Mortgage Loans in Poland

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High amount

Kredty

Loan amount PLN 100 – PLN 150,000

Interest from 10.95%

Min. age 21 years

Duration 0–60 months

Payout Varies

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Representative example: Repayment period: 12-42 months. Minimum APR: 10.95%. Maximum APR: 24.15%. Example: PLN 1,000 for 25 months. APR: 24.51%. Total amount to be repaid: PLN 1,237.80.

High amount

Smartney grupa Oney Bank copy

Loan amount PLN 1,000 – PLN 150,000

Interest from 12.5%

Min. age 21 years

Duration 6–120 months

Payout Varies

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"Attractive" Offer The "Attractive" product offer is valid starting May 22, 2024. and applies to loans ranging from 81,000 PLN to 150,000 PLN, with terms of 98 to 120 months, applied for via the website www.smartney.pl. Representative example for the “Attractive” loan: The Annual Percentage Rate (APR) is 17.37%, the total loan amount (excluding financed costs) is 108,357.37 PLN, the total amount to be paid is 208,344.71 PLN, the variable interest rate is 15.00%, the total cost of the loan is 99,987.34 PLN (including: a commission of 4,386.08 PLN, interest of 95,601.26 PLN), 109 equal monthly installments of 1,891.68 PLN each, final adjustment installment of 2,151.59 PLN. Calculation as of July 3, 2025. I am also sending a representative example for the “Nowoczesna” offer, which has also been updated in case you plan to use it in any activities: “Nowoczesna” Offer Product Offer The “Nowoczesna” offer is valid as of October 9, 2019, and applies to loans ranging from 10,000 PLN to 80,000 PLN, taken out for a term of 72 to 96 months via the website www.smartney.pl. Representative example for the “Nowoczesna” loan: The Annual Percentage Rate (APR) is 22.51%, the total loan amount (excluding financed costs) is 29,699.83 PLN, the total amount to be paid is 55,451.86 PLN, the variable interest rate is 15.00%, the total cost of the loan is 25,752.03 PLN (including: a commission of 4,834.97 PLN, interest of 20,917.06 PLN), 81 equal monthly installments of 675.65 PLN each, and a final balancing installment of 724.21 PLN. Calculation as of July 3, 2025.

Provident

Loan amount PLN 1,000 – PLN 30,000

Interest from 29%

Min. age 18 years

Duration 12–48 months

Payout Varies

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The Self-Service Loan "naCoDzień" product offer has been available since January 14, 2026, and applies to online loans with a total loan amount ranging from PLN 1,000 to PLN 30,000, repayable in 12, 18, 24, 36, 44, or 48 monthly installments. The number of installments depends on the selected total loan amount. A positive credit assessment is required to grant the loan. The Annual Percentage Rate (APR) is 29%, total loan amount (without credited costs) PLN 9,300, total amount payable PLN 11,994.86, fixed interest rate 7%, total cost of the loan PLN 2,694.86 (including: commission PLN 1,887.88, arrangement fee PLN 40, flexible repayment plan fee PLN 0, interest PLN 766.98), 23 monthly equal installments of PLN 499.79 and the last, 24th installment of PLN 499.69. Calculation as of January 14, 2026 on a representative example loan for this loan. The amount of PLN 17 per day is a simulation resulting from dividing the total amount to be paid by the consumer by the number of days (the average number of days in a month is 30) falling within the repayment period of 24 months and rounding up to the nearest whole zloty.

Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.

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Kredty

Recommended: Kredty Borrow up to PLN 150,000 with interest rates from 10.95%.

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Securing a mortgage loan in Poland as an expat requires understanding the local market and specific lender requirements. This page outlines key considerations for obtaining a mortgage in Poland, with a comparison grid of available providers at the top of the page.

Mortgage Loan Essentials for Expats in Poland

Embarking on the homeownership path in Poland involves significant financial planning, especially for non-Polish citizens. Mortgage loans are the primary vehicle for financing property purchases. Key factors include your residency status, income stability, credit history, and the amount of down payment you can provide.

Polish banks typically assess applicants based on their ability to repay the loan. This often means demonstrating a consistent income earned in Poland, although some banks may consider foreign income under specific conditions. Your length of stay and employment contract are also crucial elements in the assessment process.

Creditworthiness and Documentation

Lenders will require documentation to verify your identity, income, and employment. Common requirements include:

• Valid passport and residence permit.
• Proof of income (e.g., employment contract, salary slips, tax returns).
• Bank statements showing financial history.
• A down payment, typically ranging from 10% to 30% of the property value.
• Information about the property you intend to purchase.

Building a strong credit history within Poland can significantly improve your chances of loan approval and potentially secure better interest rates. For those new to the country, this may take time.

Understanding Interest Rates and Loan Terms

Mortgage loans in Poland are typically offered with variable or fixed interest rates. Variable rates fluctuate with market conditions, while fixed rates offer predictability for a set period, after which they may convert to a variable rate. The Annual Percentage Rate (APR) is a critical figure to compare, as it includes all associated costs, not just the nominal interest rate.

Loan terms can vary, but common durations are between 15 and 30 years. Longer terms reduce monthly repayments but increase the total interest paid over the life of the loan. Shorter terms mean higher monthly payments but less interest overall.

The Application Process

The mortgage application process generally involves several steps:

1. Pre-approval: Obtain an initial assessment from a lender to understand how much you might be able to borrow.
2. Property Search: Find a property that meets your needs and budget.
3. Formal Application: Submit a detailed application with all required documentation to your chosen bank.
4. Property Valuation: The bank will arrange for a valuation of the property.
5. Loan Offer: If approved, you will receive a formal loan offer detailing terms and conditions.
6. Signing: Finalize the agreement and complete the purchase.

It is advisable to compare offers from multiple banks to find the most suitable mortgage. This comparison page provides a starting point for identifying potential providers.

Alternatives and Broader Context

While mortgages are specifically designed for property purchases, other loan types exist in Poland for different financial needs. Understanding the full range of credit products available can be beneficial for expats managing their finances in a new country. For a broader overview of borrowing options across various European countries, visit the countries hub.

In Poland, specific loan categories cater to diverse requirements. These include personal loans, which can be used for various purposes, and shorter-term options like payday loans or SMS loans for immediate, smaller financial needs. There are also debt consolidation loans designed to help manage existing debts.

A comprehensive view of all loan types available in Poland can help expats make informed decisions. This includes understanding the distinctions between secured and unsecured loans, personal loans, and secured property financing like mortgages. For more on mortgages in other regions, explore Mortgage Loans guides by country.

Disclaimer: This information is for educational purposes only and does not constitute financial advice. Loan approval is not guaranteed. Always consult with a qualified financial advisor and review all loan terms and conditions carefully before making any decisions.

Last updated: 22. June 2026