What documents are required for a mortgage loan?

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.