{"id":539,"date":"2026-07-13T16:17:16","date_gmt":"2026-07-13T13:17:16","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=539"},"modified":"2026-07-13T16:17:17","modified_gmt":"2026-07-13T13:17:17","slug":"ipotechnyj-kredit-dlya-ukrainczev-v-polshe-v-2026-godu-umowa-o-prac%c4%99-umowa-zlecenie-ili-rabota-cherez-agentstvo-polnoe-rukovodstvo","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipotechnyj-kredit-dlya-ukrainczev-v-polshe-v-2026-godu-umowa-o-prac%c4%99-umowa-zlecenie-ili-rabota-cherez-agentstvo-polnoe-rukovodstvo\/","title":{"rendered":"Mortgage loans for Ukrainians in Poland in 2026: Umowa o prac\u0119, Umowa zlecenie, or work through an agency? A complete guide"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying your own home in Poland<\/a> is becoming increasingly popular among Ukrainian citizens. However, one of the first questions that arises for almost every client is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Will I be able to <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage loan<\/a> with my form of employment?\u00bb<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer is simple - <strong>Yes, but a lot depends on the type of contract you work under and which bank you choose.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over the years of working as a mortgage expert, I encounter situations every day where people receive completely different credit ratings simply because they work under different contracts. Moreover, some banks don&#039;t accept certain types of employment at all.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, we will look at which work options are the most profitable for obtaining <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgages in Poland<\/a>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Mortgages for Ukrainians with Umowa o prac\u0119<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you work on <strong>Umowa o prac\u0119<\/strong>, then this is the best option for obtaining a mortgage loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For banks, this is the most stable source of income, so these clients have the highest chance of loan approval.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much work do you need?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on the specific bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In most cases, the requirements look like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>minimum <strong>3 months of work<\/strong> at the current employer;<\/li>\n\n\n\n<li>some banks require <strong>6 months<\/strong>;<\/li>\n\n\n\n<li>Some banks allow a change of employer if there was no long break between dismissal and new employment.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If your salary is officially deposited into your bank account and your job is permanent, the likelihood of receiving a positive decision is very high.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why, if you are just planning to buy an apartment, <strong>Umowa o prac\u0119 \u2014 the most profitable option.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Mortgage po Umowa zlecenie<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Get a mortgage <strong>Umowa zlecenie<\/strong> It is also possible, but it is much more difficult to do.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks are more cautious about this type of income, as it is considered less stable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most often, banks require:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>minimum <strong>6 months of continuous work<\/strong>;<\/li>\n\n\n\n<li>However, most banks prefer to see <strong>at least 12 months of stable income<\/strong>;<\/li>\n\n\n\n<li>very often it is necessary to provide additional information <strong>PIT for the previous year<\/strong>;<\/li>\n\n\n\n<li>All salary receipts and their regularity are analyzed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If there have been significant gaps in employment or significant changes in income during the year, this can significantly reduce your creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, people working under Umowa zlecenie are advised to plan their property purchases in advance and not change employers immediately before submitting documents.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Working through an agency (Agencja pracy)<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most difficult situations when applying for a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many Ukrainian citizens are officially employed through an employment agency, although they have actually been working at the same company for several years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, not all Polish banks are willing to lend to such clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Today, one of the few banks that considers such cases is <a href=\"https:\/\/www.credit-agricole.pl\/klienci-indywidualni\" target=\"_blank\" rel=\"noopener\">Credit Agricole<\/a>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, even in this bank the decision is made individually.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When considering an application, the following are taken into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>term of work;<\/li>\n\n\n\n<li>income stability;<\/li>\n\n\n\n<li>profession;<\/li>\n\n\n\n<li>history of salary receipts;<\/li>\n\n\n\n<li>form of contract;<\/li>\n\n\n\n<li>the overall creditworthiness of the client.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, the availability of work through an agency <strong>does not mean automatic refusal<\/strong>, but requires a much more detailed analysis.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Why do different banks make different decisions?<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most popular questions from customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each Polish bank has its own internal rules for assessing income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, the same family can receive completely different solutions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>one bank will calculate creditworthiness <strong>450,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>the second one is on <strong>600,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>the third one will refuse altogether.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is why it is so important to choose the right bank before signing the preliminary contract for the sale and purchase of an apartment.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>What else influences the bank&#039;s decision?<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the form of employment, banks pay attention to many other factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>validity period of the residence card;<\/li>\n\n\n\n<li>credit history;<\/li>\n\n\n\n<li>availability of existing loans;<\/li>\n\n\n\n<li>marital status;<\/li>\n\n\n\n<li>number of children;<\/li>\n\n\n\n<li>amount of the down payment;<\/li>\n\n\n\n<li>regularity of salary receipt;<\/li>\n\n\n\n<li>total work experience.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even small details can significantly influence the final decision.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>How to improve your chances of getting a mortgage?<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you are just planning to buy an apartment, it is worth preparing in advance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I recommend:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 do not change employers unless necessary;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 receive your salary officially to your bank account;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 avoid late payments on loans;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 check your creditworthiness in advance;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 Prepare all the necessary documents before searching for an apartment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Very often, proper preparation allows you to increase the maximum loan amount by several hundred thousand zlotys.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>The most common mistake buyers make<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Many people sign a preliminary agreement with the seller first and only then begin to find out whether they can get a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is a serious mistake.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First, you need to check your creditworthiness, select a suitable bank, and only then sign the contract and make a deposit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This way, you will avoid unnecessary risks and be confident that you will be able to complete the purchase of the apartment.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Need a free credit check?<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you are a Ukrainian citizen and want to buy an apartment in Poland, I can help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">calculate your creditworthiness for free;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">select a bank specifically for your situation;<\/a><\/li>\n\n\n\n<li>explain what documents will be needed;<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">accompany the transaction until the keys to the apartment are received.<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Each situation is individual, so it&#039;s best to check your options beforehand and only then make a decision about purchasing real estate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Rutkowski Home<\/a><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Mortgage loans for Ukrainians in Poland <\/a>\u2022 <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying real estate <\/a>\u2022 Full transaction support<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Buying your own home in Poland is becoming increasingly popular among Ukrainian citizens. However, one of the first questions that arises practically<\/p>","protected":false},"author":1,"featured_media":540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-539","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\/539","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=539"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/539\/revisions"}],"predecessor-version":[{"id":541,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/539\/revisions\/541"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/540"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}