Guide for Spanish citizens

Mortgage in Kraków for Spanish citizens on a B2B contract

You are a Spanish citizen working in Kraków 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 main questions are where your income is earned and the fact that your Spanish credit record does not follow you, and B2B income is recalculated from your tax records, not your invoices. 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 Spanish citizen on a B2B contract.

What the bank checksWhat it means for you
Residence statusAs an EU citizen you do not need a residence card. Registering your stay and obtaining a PESEL are quick formalities that make the bank process smoother.
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 Spanish record does not transfer to Poland. Banks read your local BIK file and recent account inflows, so an active Polish account works strongly in your favour.
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 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 Spanish buyers in Kraków ask us.

No. EU citizens can get a Polish mortgage without a Karta Pobytu. What helps is registering your residence (the EU registration certificate) and obtaining a PESEL number — both are quick formalities that banks expect to see and that remove friction from identity checks during the application.
Income earned in Poland is the standard, universally accepted path. Income earned in Spain or elsewhere in the EU is accepted only by selected banks and always after an individual assessment of the employer, currency and documentation. If part of your income is Spanish, bank selection is the single most important decision in your case.
No. Polish banks read the local BIK register, which starts empty when you arrive. They compensate by analysing 3–6 months of inflows to your Polish bank account and any local liabilities. A clean, active Polish account with regular salary inflows is usually enough to establish credibility for a first application.
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.
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.