Guide for Italian citizens

Mortgage in Katowice for Italian citizens on a B2B contract

You are a Italian 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 — the decisive factors are where your income is earned and the Polish credit file you have only just started building, 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 Italian citizen on a B2B contract.

What the bank checksWhat it means for you
Residence statusAs an EU citizen no Karta Pobytu is required. An EU registration certificate and a PESEL number are quick to obtain and keep the bank's identity checks friction-free.
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 historyRecords from Italy stay in Italy. Polish banks look at your local BIK file and 3–6 months of account inflows, so route your salary through a Polish account early.
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 Italian buyers in Katowice ask us.

No. EU citizenship means you can apply for a Polish mortgage without any residence card. Banks will, however, expect an EU registration certificate and a PESEL number — both are simple formalities obtained at the city office, and having them ready shortens the identity-verification stage of your application.
Only at selected banks and after individual assessment. Polish-earned income is the standard path every bank accepts; Italian income requires the bank to review your employer or business, the currency and the documentation. If any part of your income comes from Italy, choosing the right bank first will save you a rejected application.
No — Italian credit data does not flow into the Polish BIK register. Your local file starts from scratch, so banks lean on what they can verify: inflows to your Polish account over recent months and any Polish liabilities. Regular salary inflows and no overdrafts build a convincing local profile surprisingly fast.
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.