Mortgage loan for foreigner on B2B

[RobertH]

Hello.

I was hoping to ask a few questions about mortgage in Poland for foreigners.

 

I am a foreigner, from Czech Republic, living in Wroclaw. Because I work in Czech Republic, I am currently unable to get a mortgage in Poland. 
However, I have been offered a chance by my company to start working "self-employed" in Poland (B2B).

 

My stable monthly gross income would be 14k PLN, I do not have any expenditures connected to self-employment. The goal would be to buy a house with garden (secondary market) near Wroclaw, for around 1 mln PLN, own contribution would be 500k PLN.

 

Is there a chance that some Polish bank would give me a mortgage, if I start working "self-employed" here?
How many months would I have to work "self-employed" before being able to get a mortgage? 

 

Some additional info about me: I have never had any loans, I am 32 years old and I work as IT engineer. My girlfriend is of Polish origin, we expect our first child in august. I do not have currently any kind of residence here (no PESEL).

 

Thank you for your help.

[RobertS]

Hi Robert

 

You are a UE citizen so you can get a loan (mortgage) in polish bank but you need certificate of registration of a UE citizen's stay 

(zaświadczenie o zarejestrowaniu pobytu obywatela UE). 

It would be better if you have contract of employment. But if you are self employed you have to have at least 12 months income. 

[RobertH]

Thank you.

 

So If I have contract of employment, how long would I have to wait in that case?

 

 

[RobertS]

In some banks three monts only.

[lzalewski]

In 2 banks 3 months, in 2-3 others 6 months.

[RobertH]

Thank you. This is very valuable information for me. 3 months does not sound that bad.

[spyypl]

Worth noticing that when you have B2B you also choose how you want to "count" your taxes (in short), if you choose "ryczałt", you'll have lower taxes but your credibility to bank will be lot lot lot lower, so best is to go with KPiR and podatek liniowy. If you'll be employed however, duration of contract is important too, for example you sign for 6 months, after 3 months you apply of rloan, bank will require a document from your employer stating he'll renew the contract.