{"id":460,"date":"2026-02-20T11:44:29","date_gmt":"2026-02-20T08:44:29","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=460"},"modified":"2026-02-20T11:44:30","modified_gmt":"2026-02-20T08:44:30","slug":"skolko-nuzhno-zarabatyvat-chtoby-poluchit-ipoteku-v-polshe-v-2026","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/skolko-nuzhno-zarabatyvat-chtoby-poluchit-ipoteku-v-polshe-v-2026\/","title":{"rendered":"How much do you need to earn to get a mortgage in Poland in 2026?"},"content":{"rendered":"<p>One of the most frequently asked questions from those who are planning<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\"> Buy an apartment in Poland:<\/a><\/p>\n\n\n\n<p><strong>What income is needed for a mortgage and <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Will they give a loan to a foreigner?<\/a>?<\/strong><\/p>\n\n\n\n<p>In 2026, banks in Poland were still actively issuing mortgages, but income and employment stability requirements had become stricter.<br>However, it is possible to get a loan if you understand the numbers and requirements of banks.<\/p>\n\n\n\n<p>Let&#039;s take an honest look at this using real data from 2026.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Minimum income for a mortgage in Poland<\/h1>\n\n\n\n<p>According to calculations by Polish financial portals and banks:<\/p>\n\n\n\n<p>\ud83d\udc49 income about <strong>4000 z\u0142 netto<\/strong> allows you to count on approximately <strong>loan of about 300,000 z\u0142<\/strong><br>subject to stable employment, no debts and standard expenses.<\/p>\n\n\n\n<p>This is the calculation for one person over 26 years old:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>no children<\/li>\n\n\n\n<li>no loans<\/li>\n\n\n\n<li>umowa o prac\u0119<\/li>\n\n\n\n<li>stable income<\/li>\n<\/ul>\n\n\n\n<p>But this <strong>minimum level<\/strong>, but not comfortable.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Real income for a normal mortgage<\/h1>\n\n\n\n<p>To calmly buy an apartment in large cities (Gdansk, Gdynia, Warsaw),<br>Banks often expect higher returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">One person<\/h2>\n\n\n\n<p>Comfortable income:<\/p>\n\n\n\n<p><strong>7,000 \u2013 12,000 z\u0142 net<\/strong><\/p>\n\n\n\n<p>With this income you can count on:<\/p>\n\n\n\n<p>400,000 \u2013 700,000 z\u0142 loan<br>(depending on the bank and contribution)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pair<\/h2>\n\n\n\n<p>If two people buy:<\/p>\n\n\n\n<p><strong>12,000 \u2013 20,000 z\u0142 net for two<\/strong><\/p>\n\n\n\n<p>Then the banks calmly give:<\/p>\n\n\n\n<p>700,000 \u2013 1,200,000 z\u0142 loan<\/p>\n\n\n\n<p>This is already the budget for a normal apartment in Tricity.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Examples of real creditworthiness<\/h1>\n\n\n\n<p>According to bank settlements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>net income of 5,000 z\u0142 \u2192 approximately 300,000 z\u0142 in credit<\/li>\n\n\n\n<li>income 8,000 z\u0142 net \u2192 about 400\u2013450 thousand in credit<\/li>\n\n\n\n<li>Income 12-15 thousand \u2192 already 700-900 thousand+<\/li>\n<\/ul>\n\n\n\n<p>The higher the income, the easier the approval.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much should the down payment be?<\/h1>\n\n\n\n<p>In 2026, the banking standard will be:<\/p>\n\n\n\n<p><strong>20% apartment price<\/strong><\/p>\n\n\n\n<p>Sometimes it is possible:<\/p>\n\n\n\n<p><strong>10% contribution<\/strong>,<br>but with additional insurance and more stringent checks.<\/p>\n\n\n\n<p>Example:<\/p>\n\n\n\n<p>apartment 700,000 z\u0142<br>contribution:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70,000 z\u0142 (minimum)<\/li>\n\n\n\n<li>140,000 z\u0142 comfortably<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">What do banks take into account besides income?<\/h1>\n\n\n\n<p>Income is only part of the solution.<\/p>\n\n\n\n<p>The bank looks at:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Type of work<\/h3>\n\n\n\n<p>Best:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>umowa o prac\u0119<\/li>\n\n\n\n<li>stable B2B<\/li>\n\n\n\n<li>contract for more than 6-12 months<\/li>\n<\/ul>\n\n\n\n<p>Even umowa na czas okre\u015blony is allowed,<br>if the income is stable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Credit history<\/h3>\n\n\n\n<p>If in Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there are installment plans<\/li>\n\n\n\n<li>credit card<\/li>\n\n\n\n<li>payment history<\/li>\n<\/ul>\n\n\n\n<p>the chance is higher.<\/p>\n\n\n\n<p>If there is no history, that\u2019s not a problem either.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Other loans<\/h3>\n\n\n\n<p>If there is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>car loan<\/li>\n\n\n\n<li>installments<\/li>\n\n\n\n<li>card limits<\/li>\n<\/ul>\n\n\n\n<p>The bank reduces the mortgage amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Family composition<\/h3>\n\n\n\n<p>The bank takes into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>children<\/li>\n\n\n\n<li>spouse<\/li>\n\n\n\n<li>expenses<\/li>\n<\/ul>\n\n\n\n<p>The family needs more income,<br>than one person.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much will banks actually pay in 2026?<\/h1>\n\n\n\n<p>Average actual loan amounts:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Income<\/th><th>Possible loan<\/th><\/tr><\/thead><tbody><tr><td>6,000 z\u0142<\/td><td>300\u2013400 thousand z\u0142<\/td><\/tr><tr><td>10,000 z\u0142<\/td><td>500\u2013700 thousand z\u0142<\/td><\/tr><tr><td>15,000 z\u0142<\/td><td>800 thousand \u2013 1 million z\u0142<\/td><\/tr><tr><td>20,000 z\u0142+<\/td><td>from 1 million z\u0142<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>These are real market ranges.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The biggest mistake before taking out a mortgage<\/h1>\n\n\n\n<p>The most common situation:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>People are looking for an apartment<\/li>\n\n\n\n<li>They make a deposit<\/li>\n\n\n\n<li>Then they go to the bank<\/li>\n\n\n\n<li>They get rejected<\/li>\n<\/ol>\n\n\n\n<p>And they waste time.<\/p>\n\n\n\n<p>The opposite is correct:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">check creditworthiness first<\/a><br><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">then look for an apartment<\/a><\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\">The real situation in 2026<\/h1>\n\n\n\n<p>Currently, mortgages in Poland are most often taken out by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IT specialists<\/li>\n\n\n\n<li>drivers<\/li>\n\n\n\n<li>specialists with income<\/li>\n\n\n\n<li>families<\/li>\n\n\n\n<li>people planning to live in Poland<\/li>\n<\/ul>\n\n\n\n<p>Banks are ready to give loans to foreigners,<br>but only with proper preparation.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If you are planning a mortgage in Poland<\/h1>\n\n\n\n<p>If you work in Poland and are thinking about buying an apartment,<br>It&#039;s better to understand the real numbers in advance.<\/p>\n\n\n\n<p>You can easily check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>will there be enough income?<\/li>\n\n\n\n<li>what amount will the bank give<\/li>\n\n\n\n<li>what contribution is required<\/li>\n\n\n\n<li>Is it worth applying now?<\/li>\n\n\n\n<li>or better yet, prepare<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Usually one calculation is enough<\/a>,<br>to understand the real situation and not waste months on mistakes.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>One of the most frequently asked questions from those planning to buy an apartment in Poland is: what income is needed for a mortgage and will it be granted?<\/p>","protected":false},"author":1,"featured_media":461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=460"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/460\/revisions"}],"predecessor-version":[{"id":462,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/460\/revisions\/462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/461"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}