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Kredyt Wrocław

Mortgage for a foreigner Wrocław, Poland

Thanks to a growing market more and more foreigners are interested in purchasing a flat in Poland. Experienced financial experts from can make your dream come true.

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Conditions for obtaining a loan for a foreigner in Wroclaw, Poland

In most cases, a bank or a lending company requires people from outside the European Union to have a permanent residence card and a visa. These are the basic documents thanks to which this type of institution can confirm the fact that a given person stays legally in our country. Another, equally important issue is also a stable and of course legal source of income, which should be properly documented. The amount of such an income must, of course, also allow the borrower to repay the loan installments on a monthly basis. For a financial institution, which services we want to use, it is also very important what type of contract binds the client with the employer. 

As you can guess, mainly contracts for an indefinite period are welcomed, although a fixed-term contract is also given preferential treatment. However, this is not the rule, because in recent years banks have started to look favorably on other types of contracts. Therefore, most of them do not dismiss those working on a mandate contract, a specific task contract, or self-employed clients.

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History and creditworthiness of a foreigner in Poland

For each financial institution that grants cash loans, it is extremely important to verify the credit history of each client, but also their creditworthiness. A person from outside our country, who does not have Polish citizenship, should try to build his credit history from the very beginning of their stay, which is not particularly difficult. The easiest and at the same time the best way to do this is to set up an account with a Polish bank.

Our salary should be regularly sent to such an account, which is a signal for banks that we are accumulating some funds. Of course, depending on our needs, we should also use such an account when making transfers or withdrawing cash from it using an ATM card.

All this makes us more reliable as potential borrowers for the bank. The only thing we must absolutely remember is the timely repayment of all debts arising, for example, on a credit card. Of course, one could say that such credit history is very modest, but it matters. Especially if the account has regular incomes from work performed in our country.

Mortgage for a foreigner in Wroclaw, Poland - documents

As you can guess, each bank and other financial institutions set their own terms for granting cash loans. They may also have different requirements as to the documents that the borrower must provide to them. In most cases, however, these include:

  • employment contract or employment confirmation certificate;
  • permanent or temporary residence card for foreigners, who do not yet have a permanent residence card;
  • registration of residence in Poland;
  • valid passport;
  • PESEL number;
  • Credit report from country of origin.

In addition, financial institutions require a foreigner applying for a loan to have an active account number in a Polish bank. Although, if such a person has been legally working in our country for some time, and has build their creditworthiness, this requirement is usually already met.


The good news, though, is that our experts provide services that are free of charge. Every client needs to be considered individually. Do not hesitate to contact our mortgage brokers, who will be happy to walk you through the details of cooperation, and will assess your credit capacity for free!


Mortgage for a foreigner

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