How long does it take to get a mortgage in Poland?
From the first calculation to the keys usually takes 1–3 months. Here's a realistic timeline and what can slow it down.
Kready · 2026-08-10
Typical timeline
| Stage | Time |
|---|---|
| Checking options and choosing a bank | 1–7 days |
| Collecting documents | 1–2 weeks |
| Credit assessment and valuation | 2–4 weeks |
| Mortgage decision and agreement | 1–2 weeks |
| Notary deed and payout | a few days to 2 weeks |
In total: usually 4–10 weeks, depending on the bank and your preparation.
What slows things down
- missing documents or translations,
- a residence card that expires during the process,
- a valuation lower than the price,
- changes of job during the process,
- holiday periods.
How to speed things up
- get a pre-assessment of creditworthiness before choosing the property,
- prepare documents in advance (see our checklist),
- agree a realistic date in the preliminary agreement – allow at least 6–8 weeks.
Primary market
With a developer, payments are usually made in tranches as construction progresses, and the final deed is signed after completion.
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