- You need legal stay (usually a residence card), a PESEL, a Polish account and income in PLN.
- Standard down payment is 20%, at some banks 10%.
- The bank's decision usually takes 2–6 weeks.
- A broker's help is free — the bank pays.
Step 1. Check capacity and status
Before house-hunting, find out how much you can borrow and which banks accept your residence card. A calculator and a 15-minute call are enough.
Step 2. Save the down payment
Usually 20% of the price. With 10%, the bank adds low-down-payment insurance or a higher margin. Also budget for extra costs: notary, 2% PCC tax on resale properties, estate agent's fee.
Step 3. Choose the property
You can buy a self-contained apartment without an MSWiA permit. A house with land or a plot usually needs a permit if you're not an EEA citizen. Sign a preliminary agreement with a mortgage clause.
Step 4. Apply
We apply to several banks in parallel — it raises your chances and gives room to negotiate. Documents: passport, residence card, PESEL, income certificate, statements, property documents.
Step 5. Valuation and decision
The bank orders a valuation and reviews the application. The decision usually comes within 2–6 weeks.
Step 6. Loan agreement and notarial deed
After signing the loan agreement you sign the notarial deed. If your Polish isn't strong, a sworn interpreter must attend.
Step 7. Payout and keys
The bank pays the seller or developer. Then the mortgage is entered in the land register — and you get the keys.