We help you choose suitable financing options and go through the application process, from analysing your situation to the bank's decision.
Want to buy a flat, a house or a car? Need money for renovation, personal goals or to grow your business? Instead, you have to work through the requirements of different banks, collect documents, compare offers and try to work out where your chances are highest.
You don't have to do all of this yourself.
Especially if you are a foreigner in Poland, there may be even more questions:
It is better to understand your situation first and only then submit an application.
There is no need to approach dozens of banks at once. First we will find out your goal and assess your income, expenses, obligations and other important circumstances.
Based on that information, we help determine which financing options are worth considering.
We help you look for financing to:
Whether a foreigner can get a mortgage depends on their status in Poland, income, documents and the requirements of the particular bank.
Even if you are not sure you meet the bank's requirements, your situation can be checked first.
A loan for personal purposes:
The bank analyses income, expenses, existing obligations and credit history.
No credit history does not always mean a refusal, but it may affect the bank's decision and the amount available.
If you already have several loans or financial obligations, you can consider merging them or changing their terms.
The key is to look not only at the monthly payment but also at the total cost of the loan and the terms of the new financing.
For sole traders (JDG) and companies (spółka) we can look for suitable financing taking into account:
For entrepreneurs and companies — for example, for a car and other assets needed for business.
In some cases leasing is available even to a new company.
It all depends on the specific company, the leased asset and the client's financial situation.
To get a loan on your own, you have to study offers, call banks, find out the requirements, collect documents and submit applications. We help bring this process together in one place.
The specialist:
The bank usually takes into account:
That is why the maximum amount depends on more than just your salary.
Having existing loans does not mean an automatic refusal. The bank will assess whether you can afford an additional payment given your current obligations.
In some situations it makes sense to consider consolidation or another financing option.
One refusal does not always mean you cannot get a loan at all. It is important to understand the reason for the refusal first.
Depending on the situation, you can check other options, other banks' requirements, or first improve your finances and documents. The main thing is not to apply blindly to every bank in a row.
Yes. And in many cases it is a sensible approach. If you plan to take a mortgage, a preliminary analysis of your borrowing capacity helps you understand your approximate budget even before choosing a property.
That way you don't waste time on properties you may not be able to finance.
For the client, the specialist's help is free. The specialist receives a fee from the bank for a successfully completed loan process.
You do not pay any additional commission for the specialist's help.
Approximately:
The actual time depends on the bank, the type of financing, the amount, how complete the documents are and the client's individual situation.
It depends on the type of loan and your situation. For example, the bank may ask for:
You don't have to guess what to prepare. The specialist will explain which documents you need in your case.
You work, look after your family and take care of your own affairs. You don't want to spend days studying bank offers, making calls, handling documents and comparing terms. And you don't need to.
Leave the loan part to a specialist. We will help you understand the available options, prepare the process and go through the application as clearly and conveniently as possible.
Want to know which options are available to you? Leave a request and tell us what you want to finance: a flat, a house, a car, renovation or a business. The specialist will analyse your situation and explain which financing options can be considered and what to do next.
Every case is individual. First we analyse the client's income, expenses, obligations and credit history to assess their options.
It depends primarily on income, expenses, other obligations, the number of people in the family and the rules of the particular bank.
The payment depends on the loan amount, the repayment term, the interest rate and the type of loan. We can prepare a specific calculation for the client.
The size of the down payment depends on the bank and the specific transaction.
Yes, it is possible. The bank takes into account the length of employment, the size and regularity of income, and the rules of the particular bank.
Yes. A bank can lend to an entrepreneur, but it analyses their income, business history, obligations and financial documents in detail.
Yes. Having other obligations does not mean an automatic refusal. The bank will check whether the client can repay one more loan alongside existing obligations.
In some situations there are solutions that reduce the need for your own funds. It depends on the programmes currently available, the banks' rules and the client's situation.
A refusal from one bank does not always mean the client cannot get a loan from another. First it is worth finding out the reason for the refusal and checking whether the situation can be improved or another solution found.
In some cases consolidation helps to organise obligations and reduce the monthly burden. However, you need to consider the total cost of the loan, not just the monthly payment.
In many cases early repayment is possible. The rules and possible costs depend on the type of loan and the terms of the contract.
No. We can help prepare the documents, choose an offer and go through all stages of the process with the client.
Yes. Moreover, it is advisable to check your borrowing capacity first, so you know your available budget before you start looking for a flat.
It depends on the type of loan and how complete the documents are. The better the documents are prepared, the faster you can move on to the next stage.
Yes. Comparing several offers lets you see the differences in interest rate, payment size, fees and other loan terms.
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