In short
- Many banks treat the CUKR card like a temporary residence card.
- PESEL UKR alone is accepted by only a few banks.
- Income in PLN from Poland counts.
Residence card or CUKR — the best route
With a temporary (including CUKR) or permanent residence card the choice of banks is much wider than with UKR status alone. If you can apply for CUKR, do it before the mortgage.
PESEL UKR only
Temporary protection status is accepted by few banks, usually on stricter terms: a bigger down payment, shorter term or amount cap. We check current terms before applying.
Income and documents
Banks count income in PLN from Poland: employment, civil contract or business. Income from Ukraine usually doesn't count. You'll need your passport, residence document, PESEL, income certificate and bank statements.
An apartment in Ukraine
Owning an apartment in Ukraine doesn't block a mortgage in Poland. The Family Housing Loan programme, however, has rules about owned property — we'll check whether you qualify.