Documents checklist for a mortgage application (for foreigners)
A complete list of documents banks usually ask for – so you can prepare everything before you apply.
Kready · 2026-08-12
Preparing documents early can save weeks. Exact requirements differ between banks, but this list covers most cases.
Identity and residence
- passport,
- residence card (temporary, permanent or CUKR) – check its validity,
- PESEL number,
- sometimes a registration of address (zameldowanie).
Income – employment contract
- employment contract,
- employer's certificate of income (form from the bank),
- bank statements showing salary payments (usually 3–6 months).
Income – own business / B2B
- business registration (CEIDG),
- tax returns (PIT) for the last year(s),
- certificates of no tax and ZUS arrears,
- contracts with key clients, bank statements.
Property
- preliminary agreement (umowa przedwstępna) or developer agreement,
- land and mortgage register number,
- floor plan, valuation documents,
- for new flats: the developer's documentation.
Other
- own contribution confirmation (bank statement),
- existing loan agreements (if any),
- marriage certificate or property regime agreement (if applicable).
Translations
Documents in foreign languages usually need a sworn translation into Polish.
Not sure what applies to you? An advisor will prepare a personalised list – start with the calculator.