Guide for Italian citizens

Mortgage in Kraków for Italian citizens on an employment contract

You are a Italian 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 — the decisive factors are where your income is earned and the Polish credit file you have only just started building. 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 Italian citizen on an employment 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 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 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.
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 Italian buyers in Kraków 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.
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.