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Checklist

Mortgage documents checklist

Complete documents mean a faster decision. Tick what you already have — for employment, B2B, civil contracts and the property itself.

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In short
  • Basics: passport, residence card, PESEL, income certificate, bank statements.
  • For B2B: PIT, KPiR, ZUS and tax office certificates.
  • Certificates are usually valid for 30 days.

Identity and residence

Passport, residence card (or decision and an MOS certificate of a pending renewal), PESEL number. EU citizens — certificate of registered stay.

Income documents

Employees: income certificate on the bank's form and bank statements. Business: PIT, KPiR or revenue records, ZUS and tax office certificates. Foreign-language documents usually need a sworn translation.

Property documents

Preliminary or developer agreement, land register (KW) number, valuation report (ordered by the bank), and for new builds the developer's information prospectus.

When to submit

Income certificates and statements must be recent (usually up to 30 days old). We collect them at the right time so you don't order them twice.

Details

Most common gaps

01Outdated certificate

Banks accept certificates usually issued within the last 30 days.

02No translation

Foreign documents (e.g. marriage certificate) need a sworn translation.

03No payment history

Cash salary makes a mortgage harder — bank transfers are better.

04Data mismatches

Different spelling of your name in passport and contract — sorted before applying.

Checklist

Mortgage document checklist

Tick what you already have — the list is saved in your browser.

Indicative list; the bank may ask for more documents.

    FAQ

    Questions and answers

    01Do documents have to be in Polish?

    Yes, or with a sworn translation. Polish documents (contract, certificates) are already in Polish.

    02Do I need a marriage certificate?

    If you're married — yes, it affects co-borrowers and the marital property regime.

    03How long is an income certificate valid?

    Usually 30 days from issue.

    04Does the bank order the valuation?

    Yes, the valuation report is ordered by the bank or a valuer from its list; the borrower usually pays.

    05What documents do I need for a mortgage on an employment contract?

    Passport, residence card, PESEL, employment contract, income certificate and 3–6 months of statements.

    06Do I need to translate my passport?

    Usually not — a passport in Latin script is fine. Foreign civil-status documents need a sworn translation.

    07Who issues the income certificate for the bank?

    Your employer (HR), on the bank's form or a standard template.

    See also

    Other situations

    Foreigners in Poland

    Mortgage for foreigners

    Bank requirements for foreigners: residence card, PESEL, income in PLN.

    Learn more →    Residence card

    Mortgage on a residence card

    How much card validity banks want and what to do if your card expires soon.

    Learn more →    Ukrainian citizens

    Mortgage for Ukrainians

    CUKR card, residence card, PESEL UKR — which banks accept them.

    Learn more →
    Sources

    · Kostiantyn Soldatko, mortgage intermediary agent (KNF RHA0020112)

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