How to get mortgage in Poland - NOTUS Finanse

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Below is a standardised list of financial documents required from clients with income from abroad applying for a mortgage loan in Poland:

 

  • certificate of income on a bank's form
  • job contract
  • credit report (from an equivalent of Polish Credit Information Bureau)
  • latest annual tax return
  • bank statement for personal account for a minimum of 3 months


As a rule, certified translation of the documents is required (with the exception of documents in English or German). 
The most widely accepted source of foreign income is a job contract.

 

The remaining sources of income require, in many cases, an individual decision of the bank. This is largely due to differences in the tax systems of various states.