Guide for Indian citizens

Mortgage in Katowice for Indian citizens on a B2B contract

You are a Indian citizen working in Katowice on a B2B contract, and you want to know whether a Polish bank will finance your flat. The honest answer: yes, but not every bank — most banks will first ask about your residence permit and your Polish credit footprint, and B2B income is recalculated from your tax records, not your invoices. Katowice is the most affordable of Poland's big job hubs — roughly half the price of Kraków or Warszawa per square metre, so the numbers matter too. Matching your exact profile to the right two or three banks — before any application is filed — is what we do, in English, at no client fee.

Check what banks accept my profile

Bank requirements

What Polish banks check in your exact situation.

Requirements differ by citizenship, income type and bank. This is what matters for a Indian citizen on a B2B contract.

What the bank checksWhat it means for you
Residence statusAs a non-EU citizen you will need a valid Karta Pobytu or EU Blue Card; permits valid for 12 months or longer open noticeably more banks.
Income typeOn B2B, banks recalculate your income from KPiR or lump-sum records; most want at least 12 months of activity, some 24. High business costs lower your assessed income.
Credit historyYour record from India does not transfer. Banks read your Polish BIK file and 3–6 months of inflows to a Polish account, so keep that account clean and active.
DocumentsPrepare PIT-36/36L or PIT-28, a current-year revenue summary and ZUS/US non-arrears certificates — missing tax paperwork is the most common reason B2B files stall.
Own contributionIn Katowice a typical 50 m² flat costs about 500,000 zł, so a 20% deposit is roughly 100,000 zł — the lowest entry threshold among Poland's major job hubs.

Katowice market

Buying in Katowice: the numbers.

12 600 zł/m²average new-build price, mid-2026
100 000 zł20% deposit for a 50 m² flat
~50%of Kraków or Warszawa prices

Process

Three steps, English all the way.

01Free eligibility check

Send your details below. We verify residence status, income and contribution before any bank sees your file.

02Bank strategy

We select 2–3 banks that realistically accept your profile, instead of sending documents everywhere.

03Application to keys

We guide documents, valuation and signing. Client fee: 0 PLN — our remuneration is settled with the bank.

FAQ

Questions Indian buyers in Katowice ask us.

Yes. Most banks lend to non-EU citizens holding a valid Karta Pobytu or EU Blue Card. The remaining validity matters: permits with 12 months or more left open noticeably more banks and better pricing. We match your permit type and its expiry date against current bank policies before any application is filed.
No — records from India do not transfer to the Polish BIK register. Banks assess the history you build locally: your Polish bank account inflows over the last 3–6 months and any Polish liabilities. Keeping one active Polish account with regular salary inflows and no overdrafts is the fastest way to look credible.
In practice yes. While the law does not always require it, banks use PESEL to identify you in registers, and applications without it stall or get rejected. If you are registered as a resident you likely have one already; if not, obtaining it at the city office is straightforward and we guide clients through it.
Most banks require at least 12 full months of business activity, and several want 24. A handful will consider shorter track records when you continue the same work for the same client you previously served on an employment contract. Which rule applies to you depends on the bank — this is exactly where selection matters.
Not from your invoices, but from your tax records: KPiR net income or, for lump-sum taxpayers, revenue converted with bank-specific coefficients. High business costs directly reduce your assessed capacity, and ZUS or tax arrears disqualify the file. We recalculate your numbers the way each bank will before choosing where to apply.
Yes. New-build prices average about 12,600 zł per square metre and the secondary-market transactional median is near 8,100 zł, roughly half of what Kraków or Warszawa cost. A 50 m² flat at around 10,000 zł per square metre costs 500,000 zł, so a 20% deposit is about 100,000 zł — the lowest entry point of the three cities.

Free check

Check your mortgage options.

Send your details — an English-speaking advisor calls you back with banks matched to your profile.