FAQ Frequently Asked Questions

To apply for a mortgage loan (kredyt hipoteczny), you will need the following documents:

Personal documents: ID card, mortgage application, and related attachments.

Financial documents: income certificates on the bank’s form, salary transfers from the last 3/6/12 months, bank statements, tax returns (PIT), and, if applicable, accounting records (KPiR).

Property documents: excerpt from the land and mortgage register, preliminary agreement and property valuation report.

The complete list of required documents may vary depending on the bank, the type of transaction (purchase or construction), and your source of income. After selecting the best offers, we provide each client with a full list of required documents. We also assist in gathering them to ensure the process is smooth and stress-free.

The minimum down payment (wkład własny) is usually 20% of the property’s purchase or construction value. Some banks accept as little as 10%, if additional insurance is provided, often in the form of a temporarily or permanently increased margin (interest).

Importantly, the down payment is not paid to the bank. For property purchases, it is transferred directly to the seller. In the case of construction, it can be provided in the form of the plot purchased in cash or materials and construction services that you have financed yourself.

You can learn more about down payments in our dedicated article on this topic.

If you want a quick estimate of your creditworthiness (zdolność kredytowa), you can use our creditworthiness calculator available in the Tools section. Based on a few basic details, the calculator provides an approximate value you can expect. Please note that the result is a preliminary estimate based on limited information. Actual creditworthiness depends on many factors, may vary between banks, and can change over time.

Is it worth going directly to a bank to obtain your creditwortiness assessment? Certainly, a bank can calculate and present your creditworthiness accurately—but only within its own system. To get a precise estimate across multiple banks in one go, it’s best to consult a professional mortgage broker, which we highly recommend.

We calculate our clients’ creditworthiness across all major banks operating in Poland. When necessary, we also advise on legal and practical ways to improve it.

Yes. Submitting applications to multiple banks at the same time is a common practice, and we routinely do this for our clients. It can increase the chances of securing a loan and provides greater security for the transaction.

We assist our clients with the application process and, once all necessary documents are gathered, we monitor the entire procedure and provide regular progress reports.

A mortgage loan (kredyt hipoteczny) is a purpose-specific loan, which means that, unlike a general mortgage-backed loan (pożyczka hipoteczna), it can only be taken out for a specific purpose approved by the bank. The most common purposes for mortgage loans in Poland include:

• Purchase of an apartment or house (primary or secondary market)
• Purchase of land
• Construction or completion of a house
• Renovation, expansion, modernization or adaptation of a property
• Refinancing an existing mortgage loan

The average duration of the entire mortgage process—from client’s first contact with us to the disbursement of funds is about 2–3 months. Thanks to our experience and, under favorable circumstances, we can shorten this period to as little as 30 days.

Yes, being employed on a umowa zlecenie, umowa o dzieło, or working as a B2B contractor does not rule out the possibility of obtaining a mortgage. However, it can be slightly more challenging compared to the standard permanent employment contract (umowa o pracę), which banks generally prefer.

It largely depends on the bank—some are more accommodating to civil law contracts or B2B income. The key factors are the amount of income, its stability, and the duration of the contract.

We guide our clients to banks that accept various income sources, including civil law contracts and B2B contracts. We assist in preparing the appropriate documentation.

A mortgage broker provides access to a range of services that are not available elsewhere, including:

• Creditworthiness analysis across multiple banks simultaneously
• Comparison of offers from multiple banks and selecting the most affordable option tailored to the borrower’s needs
• Client education about the loan process, credit terms, and associated risks
• Assistance with gathering all necessary documents
• Submitting loan applications to banks and negotiating terms on your behalf
• Review and analysis of loan agreements
• Support in managing and servicing the loan after disbursement

Working with an expert speeds up the entire process and saves the client a significant amount of time. It can also greatly reduce stress and uncertainty, especially for first-time borrowers.

Considering that all of this is available to the client free of charge, using a professional mortgage broker is a highly efficient and secure way to obtain a loan.

A loan comes with various costs, but there are ways to reduce them. The most important is to research the market carefully and choose the most affordable offer that still meets all your needs. This is crucial because the total cost of the same loan (same amount, term, down payment) can differ by hundreds of thousands of PLN depending on the bank.

Beyond choosing a cost-effective offer, you can reduce the loan’s cost by:

• Selecting a promotional offer (so-called “cross-sell”) — though it’s important to calculate if it’s truly beneficial
• Making a larger down payment, which reduces the amount borrowed
• Shortening the loan term
• Making regular overpayments
• Refinancing the loan when needed

These strategies, combined with professional guidance, can help significantly lower the overall cost of your loan.

All mortgage broker services are completely free-of-charge for the client, with no hidden costs. Not a single PLN is transferred from your account to ours. How is this possible?

Our remuneration is paid by the bank granting the loan. From the bank’s perspective, brokers are a cost-effective sales channel. Unlike bank employees, brokers do not have fixed salaries, paid leave, or sick days — the bank pays us only “for results” (for each loan successfully granted).

You might wonder: does this create a conflict of interest? After all, the broker should act in your best interest, yet is paid by the bank. This is a valid concern. Polish law addresses it by requiring brokers to present at least three offers to the client, along with full disclosure of the broker’s remuneration for each of them (Art. 17 ust. 1 pkt 3 i 6 and Art. 27. ust 2 i 3). This helps prevent unfair practices. Furthermore, broker remuneration doesn't differ much between the banks hance there is no reason to favor one bank over another.

That being said, it’s still important to check the broker’s experience and reputation before deciding on a relationship. Transparency about the remuneration system is a good measure of professionalism and trustworthiness.

The benefits of working with a broker include:

• Access to multiple banks in one place – unlike a bank employee, a broker can compare many offers efficiently and choose the best one for you.
• Client representation – brokers act solely in your interest, helping with documentation, applications, contract analysis, and deadlines.
• No sales pressure – brokers do not push extra products, unlike some bank employees.
• Ongoing support – brokers monitor your loan, advising on refinancing opportunities to reduce costs when better offers appear.

If you decide not to proceed with a loan, you owe nothing — the service remains entirely cost-free for the client.

Mortgage loans (kredyty hipoteczne) in Poland are granted for terms ranging from 15 to 35 years.

A longer term results in a lower monthly installment, which allows for a higher maximum loan amount. However, this also leads to a higher total cost of the loan. Conversely, a shorter term means higher monthly payments, lower borrowing capacity, but lower total interest over the life of the loan.

This principle applies only up to a 25-year loan term. According to the recommendations of the Polish Financial Supervision Authority (KNF), banks calculate creditworthiness based on a 25-year term, even if the actual loan term is longer. In practice, this means that if a borrower does not have sufficient creditworthiness for a 25-year loan, extending the term will not increase their borrowing capacity.

A mortgage involves a range of non-interest costs. The most significant include:

• Loan origination fee (if applicable) (prowizja banku) – typically 1–2% of the loan amount.
• Real estate agency commission (if applicable) (prowizja biura nieruchomości)– 0–4% of the transaction value.
• Notary fees for preliminary/developer/reservation agreements.
• Notary fees for property transfer deed – for properties priced between PLN 60,000 and 1,000,000, the maximum notary fee is PLN 1,010 + 0.4% of the amount exceeding PLN 60,000 + VAT. On the secondary market, the notary may also charge a 2% civil law transaction tax (PCC) on the purchase agreement, unless exempted (e.g., first property purchase).
• Insurance premiums – including property insurance, life insurance, or unemployment insurance.
• Property valuation (appraisal) – PLN 500–1,000.
• Inspection fees (for construction projects) – PLN 150–300.
• Court fee for mortgage registration – PLN 200.
• Mortgage registration tax – PLN 19.
• Court fee for registering the bank’s mortgage – PLN 150.

These costs should be factored into the total budget, as they can significantly impact the overall expense of obtaining a mortgage.

A personal loan (kredyt gotówkowy) in Poland can typically be taken out for a period ranging from about 3 months up to a maximum of 10 years (120 months). The exact term available depends on the specific bank’s offer, the loan amount, and the borrower’s assessed creditworthiness.

There is a statutory maximum for personal loans in Poland, which is 255,550 PLN. In practice, however, most banks offer lower maximum amounts, typically between 150,000 and 200,000 PLN. The final loan amount always depends on the borrower’s creditworthiness.

To obtain a personal loan (kredyt gotówkowy), you will typically need the following documents:

• Proof of identity – ID card or passport.
• Loan application – including personal details, contact information, and financial situation.
• Proof of income – e.g., employment certificate, employment contract, or tax return (PIT).
• Bank statements – covering the last few months (usually 3–6 months).
• For self-employed individuals – accounting records (KPiR or other ledgers), annual PIT, and certificates from ZUS and the tax office (Urząd Skarbowy) confirming no outstanding payments.

These documents allow the bank to assess your ability to repay the loan and ensure a smooth application process.

Compare offers not only by APR (RRSO), but also by total cost, commissions, insurance, and any other associated charges. Although there are many personal loan comparison tools available online, most of them rely on limited data and can produce misleading results.

Because there are dozens of loan offers on the market, the best and free-of-charge way to choose the best loan offer is to consult an expert. That’s the only way to ensure your individual financial situation and needs are fully taken into account during the assessment.

Before applying for any loan, it’s important to check your credit score in the Credit Information Bureau (BIK). A negative record in BIK significantly reduces your chances of getting a loan, but it does not completely rule them out.

Some banks are more flexible with past repayment issues, and there are ways to improve your credit score over time, though this usually requires patience.

Yes, people with low income can obtain a personal loan (kredyt gotówkowy) in Poland, provided they have a stable source of income (for example, minimum wage of around 3,510 PLN net per month in 2025) and a positive credit score in BIK.

Banks do not set a strict minimum income, but they assess creditworthiness. Typically, the monthly installment should not exceed 30–40% of net income after deducting living expenses and other obligations.

A credit broker can help by checking your creditworthiness across multiple banks at once, ensuring you find a loan that matches your financial situation.

Yes, a personal loan (kredyt gotówkowy) can be repaid early—either partially (overpayment) or in full —at any time during the loan term. This right is guaranteed by the Consumer Credit Act.

When you repay early, the bank is obliged to proportionally reduce the total cost of the loan, including interest and any fees or commissions in proportion.

After a positive loan decision, the funds can reach your account within 24 hours. Typically, disbursement occurs within a few minutes to 1–2 business days, though for larger amounts or transfers to a different bank, it may take up to 2–3 business days.

If you need the money as quickly as possible, let your credit broker know. They can advise you on a bank that can process the disbursement urgently.

The key conditions for obtaining a business loan (kredyt firmowy) are:

• Complete financial and registration documents – such as PIT, KPiR, financial statements, and company registration records (CEIDG/KRS).
• Sufficient creditworthiness – demonstrated by stable, high revenues and low existing debt.
• Sufficient operating history – usually 6–24 months, although some loans are available for even younger companies.
• Positive credit history – a clean record in BIK and no outstanding obligations with ZUS or the tax office (US).

Yes, a newly established company can obtain a business loan (kredyt firmowy), although it is generally more difficult than for a company with several years of operating history. Some banks offer loans from the very first day of business.

These loans are usually smaller, as the bank evaluates only the owner’s experience and business plan rather than actual business results. In some cases, it is also possible to secure the loan with collateral, such as a mortgage, which can improve approval chances.

To obtain a business loan (kredyt firmowy), you will need documents confirming your company’s registration, financial standing, and absence of public liabilities. Typically, the bank will request:

• Certificate of registration with CEIDG or KRS
• Proof of NIP and REGON numbers
• Articles of association and company agreement
• Certificates confirming no outstanding payments to the Tax Office (US) or Social Insurance Institution (ZUS)
• Tax return for the year preceding the current year
• Profit and loss statements for the most recent fiscal year
• Tax authority decisions regarding the assessed tax for the last year
• Records from the revenue and expense ledger (KPiR)
• VAT declarations for the current year
• Business plan (for investment loans)
• Certificates of outstanding balances from other banks

These documents allow the bank to assess the company’s creditworthiness and financial stability before approving the loan.

The most common types of business loans (kredyt firmowy) offered in Poland include:

• Working Capital Loan (kredyt obrotowy) – used to finance the company’s day-to-day operations, such as paying supplier invoices, employee salaries, or covering operational costs.
• Investment Loan (kredyt inwestycyjny) – intended to fund business development projects, including research, training, equipment purchases, construction, or modernization. Due to its nature, it typically involves a longer repayment period.
• Bridge Loan (kredyt pomostowy) – a short-term financing solution for covering temporary gaps in cash flow while awaiting funds from another source. For example, it can help cover expenses at the start of an investment while waiting for grants or other financial inflows.
• Commercial Mortgage Loan (kredyt hipoteczny)– used for investing in fixed assets, such as purchasing, constructing, or modernizing commercial real estate.

Processing times vary depending on the size and type of the loan, as well as the completeness of the documentation and the complexity of the company’s financial situation. A preliminary decision can sometimes be obtained on the same day, though it usually takes up to 7 business days. The final decision is typically issued within 2 to 5 weeks from the date of submitting the application.

No, traditional banks in Poland will refuse to grant a business loan if there are outstanding debts to ZUS or the Tax Office (Urząd Skarbowy). Banks always require certificates confirming no debts as a basic condition—without them, the loan will not be approved.

Yes, it is possible to obtain a business loan without collateral. The key requirement is that the company’s financial standing demonstrates sufficient creditworthiness.

Unsecured loans are granted solely based on the company’s creditworthiness. For banks, these loans are inherently riskier than secured loans, such as those backed by real estate or other assets. As a result, unsecured loans typically carry higher interest rates compared to secured loans.

Yes, a business loan can indirectly reduce an individual's personal creditworthiness. This is especially true for sole proprietorships (JDG) or when the owner guarantees the loan with their personal assets.

Nothing – our services are completely free for the client. Our remuneration is covered by the lending bank. The borrower is informed of its amount at the stage of selecting offers. Our offer is identical to what the borrower would receive directly from the bank.

Our clients gain a comprehensive overview of the market, which helps them choose the offer best suited to their needs. We support clients at every stage of the process, ensuring a smooth, secure, and professional transaction.

Currently, there are dozens of offers available on the market for every type of business loan. Analyzing them independently could take weeks. For this reason, it is best to consult an independent credit expert. The expert will review offers from multiple banks and, using specialized tools, select the most advantageous one in terms of conditions, procedures, and processing time.