How much down payment is required for a mortgage?

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.