Bank loans in Poland


Finances and banking can sometimes be a headache for many expats, especially when it comes to taking out bank loans.

Is it difficult for an expat to get approved for a bank loan in Poland?

What are the types of bank loans available for expats (mortgage/bonds; business loans; car loans; personal loans; student loans)?

What are the general conditions for expats to take out bank loans (interest rates; timeframe to repay loans, etc.)?

Which bank in Poland is the most popular or accessible for expats regarding loans?

Would you normally require the services of an accounts manager at the bank in order to facilitate the process of taking out a loan? Is this service free of charge?

What would happen in the case of an unpaid loan if you have to repatriate back to your home country or move somewhere else?

Are there any other options for loans aside from the bank in Poland, such as taking out a loan from your bank in your home country, or other types of companies not affiliated with banks, that give out loans?

Thank you for sharing your experience.



I'm afraid I disagree with you, bank loans here in poland are rather straightforward if you are a decent expat.

To get a basic loan- you should be employed for no less than 3 months and i am sure most banks can provide you loan. If you work on a full time job contract then you can get a loan online as well.

You can also have a loan if you are planning to open a business but that goes with few criterias.

House loans are straight down easy- if you plan to buy a house you will have to pay anywhere around 20-30% of house and rest any bank can loan you.

I hope that help.

Please let me know if you have any specific questions.