Guide for Indian citizens

Mortgage in Kraków for Indian citizens on an employment contract

You are a Indian citizen working in Kraków on an employment 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. Kraków is Poland's second most expensive market, with offers averaging about 16,000 zł 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 an employment 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 typeAn employment contract is the income banks like most. Indefinite-term contracts score best; fixed-term ones usually must run 6–12 months beyond the application date.
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.
DocumentsExpect an income certificate on the bank's own form, 3–6 months of salary inflows, and questions about probation — probation-period income is usually not counted.
Own contributionIn Kraków a typical 50 m² flat costs about 750,000 zł, so plan roughly 150,000 zł for a 20% deposit — or ask us which banks currently accept 10% with insurance.

Kraków market

Buying in Kraków: the numbers.

16 000 zł/m²average offer price, Jul 2026
150 000 zł20% deposit for a 50 m² flat
No. 2most expensive city in Poland

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 Kraków 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.
Usually yes, with a condition: most banks want the contract to extend at least 6–12 months beyond the application date, and a renewal history helps. Indefinite-term contracts are scored best. If your contract is close to expiry, the order of operations — renewal first, application second — can decide the outcome.
The core document is an income certificate issued on the bank's own template, confirming your position, contract type and average salary. Banks pair it with 3–6 months of salary inflows visible on your account. Probation-period income is usually excluded, so timing the application after probation ends is often the smarter move.
Offer prices average about 16,000 zł per square metre; transactional medians are closer to 14,600 zł. Districts popular with expats, such as Grzegórzki, Podgórze and Zabłocie, sit above that level, while Nowa Huta offers entry points near 12,700 zł. A typical 50 m² flat costs roughly 750,000 zł, so a 20% deposit means about 150,000 zł.

Free check

Check your mortgage options.

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