Can foreigners get a mortgage in Poland?

EU citizens and residents with stable PLN income can access most bank products. Non-EU buyers often face stricter LTV limits and may need additional documentation.

What down payment is typical in Poland?

Most banks expect at least 20% down on residential property. Some programs allow 10% for first-time buyers meeting specific criteria.

How is the monthly payment calculated?

This calculator uses the standard annuity formula: loan amount, annual interest rate, and term in years. It excludes insurance, notary fees, and property tax.

Mortgage Calculator for Poland

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Common questions

Can foreigners get a mortgage in Poland?: EU citizens and residents with stable PLN income can access most bank products. Non-EU buyers often face stricter LTV limits and may need additional documentation.
What down payment is typical in Poland?: Most banks expect at least 20% down on residential property. Some programs allow 10% for first-time buyers meeting specific criteria.
How is the monthly payment calculated?: This calculator uses the standard annuity formula: loan amount, annual interest rate, and term in years. It excludes insurance, notary fees, and property tax.