{"id":500,"date":"2026-04-21T14:36:03","date_gmt":"2026-04-21T11:36:03","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=500"},"modified":"2026-04-21T14:36:05","modified_gmt":"2026-04-21T11:36:05","slug":"ipoteka-v-polshe-dlya-ukrainczev-v-2026-godu-usloviya-banki-i-realnye-shansy-poluchit-kredit","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-v-polshe-dlya-ukrainczev-v-2026-godu-usloviya-banki-i-realnye-shansy-poluchit-kredit\/","title":{"rendered":"Mortgages in Poland for Ukrainians in 2026: Terms, banks, and real chances of getting a loan"},"content":{"rendered":"<p>In 2026, more and more Ukrainian citizens are thinking about <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">buying real estate in Poland<\/a>. One of the main questions: <strong>is it possible to get <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage in Poland for a Ukrainian<\/a>?<\/strong><\/p>\n\n\n\n<p>The short answer is - <strong>Yes, you can<\/strong>.<br>And in some cases, the conditions may be very close to those received by Polish citizens.<\/p>\n\n\n\n<p>But there are nuances that are important to understand in advance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can a Ukrainian get a mortgage in Poland?<\/h2>\n\n\n\n<p>Ukrainian citizenship <strong>is not an obstacle<\/strong> to obtain a mortgage loan in Poland.<\/p>\n\n\n\n<p>Banks consider such applications individually, but the very fact that you are a citizen of Ukraine, <strong>does not exclude you from the list of potential borrowers<\/strong>.<\/p>\n\n\n\n<p>\ud83d\udc49 This means you can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy an apartment or house in Poland<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage loan<\/a><\/li>\n\n\n\n<li>take advantage of banking programs (including those without a down payment)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Are the conditions for Ukrainians different from those for Poles?<\/h2>\n\n\n\n<p>Yes, <strong>in some cases the conditions may differ slightly<\/strong>, but this is not critical.<\/p>\n\n\n\n<p>What may differ:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more thorough customer verification<\/li>\n\n\n\n<li>more attention to income stability<\/li>\n\n\n\n<li>requirements for legal residence<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 It is important to understand:<br><strong>Ukrainians are not in a &quot;worse position by default&quot; \u2013 everything depends on the specific situation.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Banks that most often issue mortgages to Ukrainians<\/h2>\n\n\n\n<p>In practice, the following banks are the most loyal to foreigners (including Ukrainians):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.aliorbank.pl\/\" target=\"_blank\" rel=\"noopener\">Alior Bank<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.santander.pl\/klient-indywidualny\" target=\"_blank\" rel=\"noopener\">Santander Bank Polska<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.credit-agricole.pl\/klienci-indywidualni\" target=\"_blank\" rel=\"noopener\">Credit Agricole<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mbank.pl\/indywidualny\/\" target=\"_blank\" rel=\"noopener\">mBank<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.pekao.com.pl\/\" target=\"_blank\" rel=\"noopener\">Bank Pekao<\/a><\/li>\n<\/ul>\n\n\n\n<p>Each bank has its own policies and requirements, so choosing the right bank is one of the key factors for success.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgages with no down payment \u2013 are they affordable for Ukrainians?<\/h2>\n\n\n\n<p>Yes \ud83d\udc4d<\/p>\n\n\n\n<p>In real estate purchase programs <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\"><strong>without your own contribution<\/strong> <\/a>participating:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alior Bank<\/li>\n\n\n\n<li>Santander Bank Polska<\/li>\n\n\n\n<li>Bank Pekao<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 Important:<br><strong>There are no additional restrictions for Ukrainians<\/strong> \u2014 the conditions of participation are the same as for Polish citizens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need a residence card?<\/h2>\n\n\n\n<p>This is one of the most frequently asked and important questions.<\/p>\n\n\n\n<p>\ud83d\udc49 The reality is this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Each bank evaluates the presence of a residence card differently<\/li>\n\n\n\n<li>For some banks it is mandatory<\/li>\n\n\n\n<li>for others, the expiration date is important<\/li>\n\n\n\n<li>There are banks that consider clients even without a card.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc Moreover:<br>In some cases it is possible to obtain a loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>without a life map<\/strong><\/li>\n\n\n\n<li>or even <strong>with an expired card<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 It all depends on the bank and a well-designed application strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Income and creditworthiness are the main factors<\/h2>\n\n\n\n<p>The most important thing for a bank is not citizenship, but <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/bez-rubriki\/kreditosposobnost-v-polshe-v-1-kvartale-2026-goda-skolko-realno-dayut-banki\/\" data-type=\"post\" data-id=\"497\">client&#039;s creditworthiness<\/a><\/strong>.<\/p>\n\n\n\n<p>The bank analyzes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income level<\/li>\n\n\n\n<li>type of contract (umowa o prac\u0119, B2B, zlecenie)<\/li>\n\n\n\n<li>stability of work<\/li>\n\n\n\n<li>credit history<\/li>\n\n\n\n<li>number of family members<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 This is what influences:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>loan amount<\/li>\n\n\n\n<li>probability of approval<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">History from Ukraine (UBKI) - an important change<\/h2>\n\n\n\n<p>Recently, Santander Bank Polska started requesting credit history from <a href=\"https:\/\/www.ubki.ua\/\" target=\"_blank\" rel=\"noopener\">Ukraine (UBKI)<\/a>.<\/p>\n\n\n\n<p>\ud83d\udc49 Important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>for now <strong>only this bank requires <a href=\"https:\/\/www.ubki.ua\/\" target=\"_blank\" rel=\"noopener\">UBKI<\/a><\/strong><\/li>\n\n\n\n<li>other banks mainly focus on the Polish BIK<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common problems and solutions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c No residence card<\/h3>\n\n\n\n<p>\u2714\ufe0f A bank that works without it is selected<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c Insufficient income<\/h3>\n\n\n\n<p>\u2714\ufe0f Possible adjustment of the form of employment (for example, B2B)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c No credit history in Poland<\/h3>\n\n\n\n<p>\u2714\ufe0f It can be formed gradually<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c Unstable operation<\/h3>\n\n\n\n<p>\u2714\ufe0f Preparation before submitting an application<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line: real chances in 2026<\/h2>\n\n\n\n<p>\ud83d\udc49 Get it <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage in Poland for a Ukrainian <\/a>\u2014 <strong>really<\/strong><br>\ud83d\udc49 Even without a map of life - <strong>in some cases it is possible<\/strong><br>\ud83d\udc49 <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">Even without a down payment <\/a>\u2014 <strong>available<\/strong><\/p>\n\n\n\n<p>Main:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>assess your situation correctly<\/li>\n\n\n\n<li>choose a suitable bank<\/li>\n\n\n\n<li>prepare an application correctly<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Check your creditworthiness for free<\/h2>\n\n\n\n<p>If you&#039;re unsure whether you can get a mortgage in Poland, it&#039;s best to check in advance.<\/p>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Write to me<\/a> - I:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I will assess your creditworthiness<\/li>\n\n\n\n<li>I will select a bank to suit your situation<\/li>\n\n\n\n<li>I&#039;ll tell you how much you can realistically expect<\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Consultation is free.<\/a><\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412 2026 \u0433\u043e\u0434\u0443 \u0432\u0441\u0451 \u0431\u043e\u043b\u044c\u0448\u0435 \u0433\u0440\u0430\u0436\u0434\u0430\u043d \u0423\u043a\u0440\u0430\u0438\u043d\u044b \u0437\u0430\u0434\u0443\u043c\u044b\u0432\u0430\u044e\u0442\u0441\u044f \u043e \u043f\u043e\u043a\u0443\u043f\u043a\u0435 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435. \u041e\u0434\u0438\u043d \u0438\u0437 \u0433\u043b\u0430\u0432\u043d\u044b\u0445 \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u0432: \u043c\u043e\u0436\u043d\u043e \u043b\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c<\/p>","protected":false},"author":1,"featured_media":501,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-500","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\/500","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=500"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/500\/revisions"}],"predecessor-version":[{"id":502,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/500\/revisions\/502"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/501"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}