{"id":550,"date":"2026-08-13T15:45:18","date_gmt":"2026-08-13T12:45:18","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=550"},"modified":"2026-08-13T15:45:20","modified_gmt":"2026-08-13T12:45:20","slug":"bank-otkazal-v-ipoteke-hotya-zarplata-horoshaya-15-prichin-otkaza-v-kredite-v-polshe-i-chto-delat-posle-otkaza","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/bank-otkazal-v-ipoteke-hotya-zarplata-horoshaya-15-prichin-otkaza-v-kredite-v-polshe-i-chto-delat-posle-otkaza\/","title":{"rendered":"Did the bank refuse a mortgage, even though the salary is good? 15 reasons for loan refusal in Poland and what to do after the refusal"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Why can a bank say &quot;no&quot; even if you earn a good income? Is it possible? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage<\/a> at another bank after being rejected? How to increase <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-uvelichit-kreditosposobnost-v-polshe-pered-podachej-na-ipoteku\/\" data-type=\"post\" data-id=\"467\">creditworthiness<\/a> And what shouldn&#039;t you do before submitting a new application? We&#039;ll look at all the main reasons for refusal. <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage loan<\/a> in Poland.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting a mortgage in Poland is not just a matter of showing the bank a good salary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can earn money <strong>10,000, 15,000 or even 20,000 z\u0142 per month<\/strong> and still get a negative decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And vice versa: a person with a lower income sometimes gets a mortgage without problems.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the bank evaluates more than just salary. It analyzes <strong>the client&#039;s entire financial situation<\/strong>: income, expenses, existing loans, credit limits, payment history, source of income, job stability, family situation, property value, loan amount and many other factors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, <strong>One bank may refuse, while another may approve a mortgage for the same person.<\/strong>. This isn&#039;t a system error. Banks use their own rules and risk assessment models. <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK <\/a>It also explicitly states that the same client may receive different solutions from different banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, a refusal from one bank does not mean that it is impossible to buy an apartment on credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But before you submit your next application, you need to understand, <strong>Why exactly was there a refusal?<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most important thing: a bank refusal \u2260 the inability to get a mortgage<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is the first thing you need to understand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank does not say:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;You can&#039;t get a mortgage at all.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">He says:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;According to our rules and our risk assessment, we cannot provide you with this loan.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">These are two completely different things.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each bank has its own lending policy. Therefore, the same client may receive, for example:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Result<\/th><\/tr><\/thead><tbody><tr><td>Bank A<\/td><td>refusal<\/td><\/tr><tr><td>Bank B<\/td><td>400,000 z\u0142<\/td><\/tr><tr><td>Bank C<\/td><td>550,000 z\u0142<\/td><\/tr><tr><td>Bank D<\/td><td>650,000 z\u0142<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Why does this difference arise?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because banks evaluate differently:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>source of income;<\/li>\n\n\n\n<li>form of employment;<\/li>\n\n\n\n<li>work experience;<\/li>\n\n\n\n<li>income from activities;<\/li>\n\n\n\n<li>family expenses;<\/li>\n\n\n\n<li>number of children;<\/li>\n\n\n\n<li>credit cards;<\/li>\n\n\n\n<li>limits;<\/li>\n\n\n\n<li>BIK history;<\/li>\n\n\n\n<li>citizenship;<\/li>\n\n\n\n<li>residence card;<\/li>\n\n\n\n<li>age;<\/li>\n\n\n\n<li>real estate value;<\/li>\n\n\n\n<li>own contribution;<\/li>\n\n\n\n<li>the amount of the requested loan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why <strong>choice <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">the right bank<\/a> before applying it can be very important<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">1. Insufficient creditworthiness<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most obvious and at the same time most common reasons for refusal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank must assess whether you will be able to repay the loan regularly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The calculation takes into account not only income, but also expenses and existing liabilities. <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK <\/a>Key factors include the loan amount, term, income and its source, household expenses, existing loans, card limits, and credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conventionally, the bank looks at the situation like this:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>family income<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">minus<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>expenses + existing liabilities<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= the amount from which the new mortgage must be paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, a high salary in itself does not guarantee anything.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The family receives:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>15,000 z\u0142 netto<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But at the same time it has:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>car loan;<\/li>\n\n\n\n<li>consumer credit;<\/li>\n\n\n\n<li>two credit cards;<\/li>\n\n\n\n<li>three children;<\/li>\n\n\n\n<li>high maintenance costs;<\/li>\n\n\n\n<li>large limit on the account.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For one bank, such a family may have insufficient creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if you close some of your obligations or choose a different bank, the result may change significantly.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">2. Too much existing debt<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">A person can earn well, but at the same time have too many obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank analyzes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>consumer loans;<\/li>\n\n\n\n<li>car loans;<\/li>\n\n\n\n<li>installments;<\/li>\n\n\n\n<li>leasing;<\/li>\n\n\n\n<li>credit cards;<\/li>\n\n\n\n<li>debit limits;<\/li>\n\n\n\n<li>overdraft;<\/li>\n\n\n\n<li>sureties and other obligations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">BIK separately lists existing loans, cards, and guarantees among the possible reasons for a negative decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Important point: a credit card that you don\u2019t use<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is a very common mistake.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The man says:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I don&#039;t use a credit card at all.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">But the bank sees:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Available credit limit 30,000 z\u0142.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">And this limit can be taken into account when calculating creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, before taking out a mortgage, it is worth checking not only the actual payments, but also <strong>all open limits<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">3. Low or unstable wages<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Everything seems obvious here.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your income is too low for the requested loan amount, the bank will refuse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the problem may not only be the amount of income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank also analyzes:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How stable is this income?.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the man just started working;<\/li>\n\n\n\n<li>recently changed employer;<\/li>\n\n\n\n<li>the contract ends;<\/li>\n\n\n\n<li>income fluctuates greatly;<\/li>\n\n\n\n<li>most of the salary consists of variable components;<\/li>\n\n\n\n<li>The income appeared only recently.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In such a situation, the bank may recognize the income partially or not accept it for calculation at all.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">4. Inappropriate form of employment<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Phrase:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I earn 12,000 z\u0142&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">is not sufficient for the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Important:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How exactly do you get these 12,000 z\u0142?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This could be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>umowa o prac\u0119;<\/li>\n\n\n\n<li>umowa zlecenie;<\/li>\n\n\n\n<li>umowa o dzie\u0142o;<\/li>\n\n\n\n<li>dzia\u0142alno\u015b\u0107 gospodarcza;<\/li>\n\n\n\n<li>rental income;<\/li>\n\n\n\n<li>foreign income;<\/li>\n\n\n\n<li>multiple sources of income.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Different banks may treat each of these sources differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, one bank may accept an entrepreneur&#039;s income well, while another may evaluate it much more cautiously.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why <strong>the form of income generation is sometimes no less important than its size<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">5. Activities of the state subsidy and problems with the entrepreneur&#039;s income<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">For entrepreneurs, the analysis can be much more complex.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank may look at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>duration of the activity;<\/li>\n\n\n\n<li>form of taxation;<\/li>\n\n\n\n<li>PIT;<\/li>\n\n\n\n<li>turnover;<\/li>\n\n\n\n<li>income;<\/li>\n\n\n\n<li>income stability;<\/li>\n\n\n\n<li>ZUS;<\/li>\n\n\n\n<li>tax liabilities;<\/li>\n\n\n\n<li>seasonality;<\/li>\n\n\n\n<li>debts;<\/li>\n\n\n\n<li>history of activity.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is especially interesting for people on rycza\u0142t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, two entrepreneurs may have the same:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>przych\u00f3d 300,000 z\u0142 per year<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">but completely different creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the bank will not necessarily consider their income to be the same.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where the situation often arises:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00abAccording to my calculations, I earn enough, but the bank thinks that I don\u2019t.\u00bb.<\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\">6. Bad history in BIK<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK <\/a>\u2014 one of the most important elements of credit analysis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The history may contain data about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>existing loans;<\/li>\n\n\n\n<li>repaid loans;<\/li>\n\n\n\n<li>regularity of payments;<\/li>\n\n\n\n<li>overdue payments;<\/li>\n\n\n\n<li>other credit obligations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Problems with previous payments can significantly reduce your chances of getting a mortgage. The BIK specifically lists a poor credit history as one of the possible reasons for a negative decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">But there is an important nuance here.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>BIK does not make decisions on issuing mortgages.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The decision is made by the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The BIK provides information that banks use in their assessments. Furthermore, the current BIK assessment that clients see in their reports does not necessarily match the assessment used by a specific bank. The BIK specifically explains that banks use their own approaches to assessing credit risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00abI have a good BIK\u00bb \u2260 \u00abany bank is obliged to give me a mortgage.\u00bb.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">7. Late payments<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Even minor problems with previous loans can cause questions from the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A particularly unpleasant situation is if there were:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>long delays;<\/li>\n\n\n\n<li>outstanding liabilities;<\/li>\n\n\n\n<li>transfer of debt for collection;<\/li>\n\n\n\n<li>entries in BIG;<\/li>\n\n\n\n<li>regular delays in payments.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">BIK recommends checking your credit history before applying for a mortgage.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">8. Entries in BIG<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Not all problems are found only in the BIK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank may take into account information from other databases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, the presence of outstanding liabilities that have fallen into BIG could seriously worsen the situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, before taking out a mortgage, it is advisable to check not only the BIK, but also your obligations in other registries.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">9. Too high family expenses<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is especially important for families with children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s assume:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Income: 14,000 z\u0142<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At first glance, the amount looks good.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the family consists of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 adults;<\/li>\n\n\n\n<li>3 children.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The bank must take into account the costs of maintaining such a household.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, the creditworthiness will differ from the situation of a person who receives the same 14,000 z\u0142, but lives alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The KNF states that when assessing creditworthiness, the bank must take into account, among other things, the client&#039;s typical maintenance costs and all financial obligations.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">10. Too much credit<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the problem is not the client, but the loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>the client can receive 500,000 z\u0142<\/strong>,<br>but wants:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>700,000 z\u0142.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank will refuse the requested amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This does not necessarily mean giving up your mortgage completely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the solution may be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduce the value of real estate;<\/li>\n\n\n\n<li>increase your own contribution;<\/li>\n\n\n\n<li>extend the loan term;<\/li>\n\n\n\n<li>add a second borrower;<\/li>\n\n\n\n<li>close existing loans;<\/li>\n\n\n\n<li>choose another bank.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">11. Too little personal contribution<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">With a standard mortgage, the bank pays attention to the level of your own contribution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The KNF guidelines include requirements for personal contribution, while allowing the use of statutory support programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the situation is:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I don&#039;t have my own money, but I want to buy an apartment.&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">may be a problem with a standard mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, there are solutions that allow the use of government support mechanisms, for example <strong>Rodzinny Kredyt Mieszkaniowy (RKM)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to understand:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RKM resolves the issue of its own contribution, but does not cancel the credit check.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that even if it is possible to use a bank guarantee, the bank will still analyze your income, expenses, and credit history.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">12. Problems with documents<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes a client is able to obtain a mortgage, but the documents are submitted incorrectly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the income in the application does not match the certificate;<\/li>\n\n\n\n<li>incorrect income amount;<\/li>\n\n\n\n<li>document missing;<\/li>\n\n\n\n<li>different dates in documents;<\/li>\n\n\n\n<li>source of income not confirmed;<\/li>\n\n\n\n<li>obligations are stated incorrectly;<\/li>\n\n\n\n<li>the required document from the tax office was not provided;<\/li>\n\n\n\n<li>problem with foreigner&#039;s documents.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Additional questions arise especially frequently among:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>entrepreneurs and foreigners.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, it is better to check the documents. <strong>before submitting an application<\/strong>, and not after receiving a refusal.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">13. Insufficient work experience<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">A person may have a good salary but work too little time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I&#039;ve been receiving 14,000 z\u0142 for two months now.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">For a bank, this is not the same as:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I&#039;ve been earning 14,000 z\u0142 for three years now.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">The period required to recognize income depends on the specific bank and the source of income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, changing jobs immediately before a mortgage may not be the best time to apply.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">14. Foreigner and residence card<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">For foreigners, a mortgage may be more difficult not because the bank is unwilling to lend to foreigners, but because additional analysis is required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank may look at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>citizenship;<\/li>\n\n\n\n<li>legality of stay;<\/li>\n\n\n\n<li>type of residence card;<\/li>\n\n\n\n<li>card validity period;<\/li>\n\n\n\n<li>source of income;<\/li>\n\n\n\n<li>duration of work in Poland;<\/li>\n\n\n\n<li>income history;<\/li>\n\n\n\n<li>credit history in Poland;<\/li>\n\n\n\n<li>documents from the country of origin.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example, <strong>a residence permit card valid for several more months<\/strong>, and a card that has been valid for several years may be perceived by the bank in completely different ways.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, requirements from different banks may differ significantly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, it is especially important for a foreigner <strong>don&#039;t automatically apply to all banks in a row<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">15. Error in the application<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">It seems like a small thing, but sometimes this is where the problem starts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, the client indicated:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>income 8,000 z\u0142<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">and from the documents the bank sees:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6,500 z\u0142.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or the client forgot to indicate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>credit card;<\/li>\n\n\n\n<li>installment plan;<\/li>\n\n\n\n<li>surety;<\/li>\n\n\n\n<li>other loan;<\/li>\n\n\n\n<li>obligation to the bank.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Such discrepancies may raise additional questions or negatively impact the assessment.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why might a bank refuse a person who has already received approval from another bank?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Because <strong>banks assess risk differently<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most important points of the entire article.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s say the client:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>receives 11,000 z\u0142;<\/li>\n\n\n\n<li>has umowa o prac\u0119;<\/li>\n\n\n\n<li>wants 500,000 z\u0142;<\/li>\n\n\n\n<li>has one child.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bank #1 might say:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Insufficient creditworthiness.&quot;.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank No. 2:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00abApproved 500,000 z\u0142.\u00bb.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank No. 3:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00abApproved 450,000 z\u0142.\u00bb.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is possible precisely because banks use their own models and lending policies. The BIK explicitly confirms that the same client may receive different solutions from different banks.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What to do after being denied a mortgage?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is where many people commit <strong>the biggest mistake<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They get a refusal and immediately:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">send an application to 5 more banks.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">This is not always a good strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First you need to understand:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why did you refuse?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>insufficient creditworthiness<\/strong> \u2014 you need to work with income, expenses and liabilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>form of income<\/strong> \u2014 look for a bank that accepts such income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>documents<\/strong> \u2014 correct the documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>BIK<\/strong> \u2014 First, sort out your credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>residence card<\/strong> \u2014 look for a bank with suitable requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the reason is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>insufficient own contribution<\/strong> \u2014 consider RKM or another financing option.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it possible to apply to another bank after being rejected?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A refusal from one bank does not in itself mean an automatic ban on applying to another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But this must be done wisely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK <\/a>also notes that the reasons for refusal may vary and the decision of one bank does not mean that another bank will make the same decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, the correct approach is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>not &quot;we apply to all banks&quot;, but &quot;first we determine which bank is suitable&quot;.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What if there have already been several refusals?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Then it\u2019s even more important not to continue submitting applications blindly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If two, three or four banks refuse, you need to stop and conduct a proper analysis:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BIK;<\/li>\n\n\n\n<li>BIG;<\/li>\n\n\n\n<li>income;<\/li>\n\n\n\n<li>expenses;<\/li>\n\n\n\n<li>loans;<\/li>\n\n\n\n<li>cards;<\/li>\n\n\n\n<li>limits;<\/li>\n\n\n\n<li>form of employment;<\/li>\n\n\n\n<li>experience;<\/li>\n\n\n\n<li>PIT;<\/li>\n\n\n\n<li>ZUS;<\/li>\n\n\n\n<li>documents;<\/li>\n\n\n\n<li>real estate value;<\/li>\n\n\n\n<li>own contribution;<\/li>\n\n\n\n<li>citizenship;<\/li>\n\n\n\n<li>residence card.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">After this, you can determine, <strong>What exactly is stopping you? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a loan<\/a><\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How to increase creditworthiness before a mortgage?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes a few changes are enough.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Close unnecessary credit cards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the card is not needed, you can consider closing the limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Close small loans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even a small monthly payment can reduce the amount of mortgage you can afford.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reduce limits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the problem isn&#039;t the actual debt, but the available credit limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do not take out a new consumer loan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#039;re considering a mortgage, getting a new loan before applying usually won&#039;t help your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Don&#039;t change jobs unless necessary<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Especially just before a mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prepare documents in advance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Especially if you are an entrepreneur or a foreigner.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Check BIK<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Get to know the problem better <strong>before submitting an application<\/strong>, and not after refusal.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it worth taking out a consumer loan using your own deposit?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is a separate important question.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The personal contribution must comply with the bank\u2019s requirements and current regulations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The KNF states that the bank must ensure that the client&#039;s funds used as own deposit do not originate from a loan or credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the idea is:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I&#039;ll take out a consumer loan and show it as my own contribution.&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">may cause problems and negatively impact your creditworthiness.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">RKM: A guaranteed contribution does not automatically guarantee approval.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If the client is considering <strong><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\">Rodzinny Kredyt Mieszkaniowy<\/a><\/strong>, it is important to separate two questions:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Own contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0438<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Creditworthiness.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The guarantee can solve the problem of lack of own funds within the terms of the program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the bank is still obliged to assess the client\u2019s ability to repay the loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>no personal contribution \u2192 can help <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\">RKM<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>no creditworthiness \u2192 <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\">RKM <\/a>does not solve the problem.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why can&#039;t you just choose the bank with the lowest interest rate?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Because the cheapest loan on an advertising banner is not necessarily the best option. <strong>just for you<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank A<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The percentage is very attractive, but:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>does not accept your income type;<\/li>\n\n\n\n<li>requires longer experience;<\/li>\n\n\n\n<li>does not accept your type of pobytu card.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bank B<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The stakes are a little higher, but:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>accepts your income;<\/li>\n\n\n\n<li>your experience is suitable;<\/li>\n\n\n\n<li>accepts documents;<\/li>\n\n\n\n<li>allows the required amount.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As a result, it is <strong>Bank B may be a viable option<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, when taking out a mortgage, you first need to answer:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Where can I get approved for a loan?&quot;\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">and only then:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Where are the conditions better?&quot;\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\">10 Things You Shouldn&#039;t Do Before Getting a Mortgage<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 1. Take out a new consumer loan<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 2. Open new credit cards<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 3. Increase credit limits<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 4. Conceal existing obligations<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 5. Indicate unconfirmed income in the application<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 6. Changing jobs unnecessarily<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 7. Submit applications to all banks in a row<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 8. Ignore problems in the BIK<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 9. Signing a contract for an apartment without checking the availability of financing<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c 10. Calculate your creditworthiness only using an online calculator<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The last point is especially important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An online calculator can show:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;PLN 700,000 available to you.&quot;.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">But a real bank may calculate it completely differently.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why do online calculators often give incorrect expectations?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Because real analysis is much more complex.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank evaluates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>real confirmed income;<\/li>\n\n\n\n<li>income stability;<\/li>\n\n\n\n<li>expenses;<\/li>\n\n\n\n<li>obligations;<\/li>\n\n\n\n<li>credit history;<\/li>\n\n\n\n<li>limits;<\/li>\n\n\n\n<li>family situation;<\/li>\n\n\n\n<li>source of income;<\/li>\n\n\n\n<li>documents;<\/li>\n\n\n\n<li>real estate parameters;<\/li>\n\n\n\n<li>loan term.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">BIK also notes that creditworthiness assessment depends on many factors, and the bank makes a decision based on data from the application, documents, and available databases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The calculator is a preliminary estimate.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bank analysis is a real solution.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How to properly prepare for a mortgage in Poland?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The optimal order looks something like this:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 1: Determine your income<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">How much can actually be confirmed with documents?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 2. Check <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Are there any errors or problems?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 3: Check your credits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">What commitments already exist?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 4: Check limits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards, debit, overdraft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 5. Calculate the actual <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kreditosposobnost-v-polshe-v-1-kvartale-2026-goda-skolko-realno-dayut-banki\/\" data-type=\"post\" data-id=\"497\">creditworthiness<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not based on bank advertising, but based on a specific situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 6: Identify suitable banks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Taking into account all the client&#039;s characteristics.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 7. Prepare documents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To avoid delays and questions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 8. Only then submit applications<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is much more reasonable than sending applications to all banks in a row.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Particularly complex cases<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">There are categories of clients for whom choosing the right bank is especially important:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83c\uddfa\ud83c\udde6 Citizens of Ukraine<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Especially if used:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>residence card;<\/li>\n\n\n\n<li>doch\u00f3d z dzia\u0142alno\u015bci;<\/li>\n\n\n\n<li>umowa zlecenie;<\/li>\n\n\n\n<li>foreign income;<\/li>\n\n\n\n<li>RKM.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udc68\u200d\ud83d\udcbc Entrepreneurs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Especially on the rycza\u0142t or with unstable income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\ude95 People with unconventional sources of income<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taxi;<\/li>\n\n\n\n<li>Uber\/Bolt;<\/li>\n\n\n\n<li>multiple employers;<\/li>\n\n\n\n<li>rent;<\/li>\n\n\n\n<li>foreign income.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66 Families with children<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Because the number of family members directly affects the calculation of expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcb3 Customers with a large number of credit cards<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even if the cards are hardly ever used.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The main thing to remember<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If the bank refused you a mortgage, <strong>Don&#039;t start panicking and applying to all the other banks right away.<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find the cause first.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>refusal \u2260 inability to obtain a loan.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the problem can be solved by closing a small loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes - by reducing the credit card limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes - choosing another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes - correct proof of income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes - waiting for the end of the probationary period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And sometimes a client really needs to increase their income or reduce the loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main thing is to understand, <strong>What specific reason applies in your case?<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Want to know why you might be denied a mortgage?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u0412 <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Rutkowski Home<\/a><\/strong> We can pre-analyze the client&#039;s situation before submitting an application:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income;<\/li>\n\n\n\n<li>form of employment;<\/li>\n\n\n\n<li>loans;<\/li>\n\n\n\n<li>BIK;<\/li>\n\n\n\n<li>family situation;<\/li>\n\n\n\n<li>citizenship;<\/li>\n\n\n\n<li>residence card;<\/li>\n\n\n\n<li>own contribution;<\/li>\n\n\n\n<li>possibility of use <strong>RKM<\/strong>;<\/li>\n\n\n\n<li>the amount of the required loan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Based on this, we can determine, <strong>Which banks are best suited for a specific situation and where there is a real chance of a positive decision?<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the job of a good credit consultant is not just to send an application to the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The goal is to properly prepare the client for the application and select a bank that best suits their situation.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">If one bank refuses, will the others necessarily refuse?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Banks use different client assessment rules, so a refusal from one bank does not automatically mean a refusal from another.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it possible to get a mortgage with bad credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes yes, but it all depends on the nature and duration of the problems, as well as the policies of the specific bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can a foreigner get a mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. However, requirements for documents, residency, and income may vary depending on the bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it possible to get a mortgage without making a deposit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In some cases, yes, for example, when using statutory support mechanisms, including RKM, if the client meets the program&#039;s terms and conditions and the bank&#039;s requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What to do after refusal?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First, determine the reason for the refusal. Only then should a decision be made about reapplying.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do I need to close my credit card before getting a mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not always, but its limit can impact your creditworthiness. Therefore, before taking out a mortgage, it&#039;s worth checking all available limits and assessing their impact on the bank&#039;s calculations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcde Planning to buy an apartment in Poland and get a mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contact me for a preliminary analysis of your situation.<\/strong> I&#039;ll help you assess your creditworthiness, select suitable banks, and prepare for your mortgage application.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rutkowski Home \u2013 assistance with obtaining a mortgage and purchasing real estate in Poland.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Write or call me<\/a> \u2014 we will analyze your situation individually.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u0447\u0435\u043c\u0443 \u0431\u0430\u043d\u043a \u043c\u043e\u0436\u0435\u0442 \u0441\u043a\u0430\u0437\u0430\u0442\u044c \u00ab\u043d\u0435\u0442\u00bb, \u0434\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u0432\u044b \u0445\u043e\u0440\u043e\u0448\u043e \u0437\u0430\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0435\u0442\u0435? \u041c\u043e\u0436\u043d\u043e \u043b\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0434\u0440\u0443\u0433\u043e\u043c \u0431\u0430\u043d\u043a\u0435 \u043f\u043e\u0441\u043b\u0435 \u043e\u0442\u043a\u0430\u0437\u0430? \u041a\u0430\u043a<\/p>","protected":false},"author":1,"featured_media":551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[16,12,13,17,18,19,14,15],"class_list":["post-550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy","tag-rkm","tag-rodzinny-kredyt-mieszkaniowy","tag-bank-otkazal-v-kredite","tag-ipoteka-v-polshe","tag-ipoteka-dlya-inostranczev-v-polshe","tag-kredit-ipoteka-polsha","tag-kreditosposobnost-v-polshe","tag-pochemu-bank-otkazal-v-ipoteke"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/550","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=550"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/550\/revisions"}],"predecessor-version":[{"id":552,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/550\/revisions\/552"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/551"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}