B2B Mortgage in Poland: Rates, Requirements and Step‑by‑Step Guide

A B2B mortgage in Poland for a sole‑proprietorship (Jednoosobowa Działalność Gospodarcza – JDG) is available from most major banks, with a typical interest rate of 6 % APR (NBP reference 3.75 % + average bank margin 2.25 %). The usual down‑payment is 20 % of the property value, meaning a buyer of a median‑priced flat in Wola (₤1,030,000) would need about ₤206,000 upfront and could finance the remaining ₤824,000 over 25 years for a monthly instalment of roughly ₤5,309.

1. Who Can Apply for a B2B Mortgage?

Legal entities vs. JDG

Polish law allows both limited‑liability companies (sp. z o.o.) and sole‑proprietorships (JDG) to borrow on a mortgage basis. For foreign entrepreneurs, the KNF Recommendation S states that banks normally require a minimum 20 % down‑payment, but they may accept 10 % if the missing part is additionally secured (e.g., by a guarantee or insurance)【"KNF Recommendation S"】.

Residency requirements

Non‑EU citizens must hold a valid residence permit or a long‑term visa. The Ustawa o cudzoziemcach confirms that a foreigner can own real estate and obtain a mortgage provided the necessary permits are in place【"Ustawa o cudzoziemcach"】.

2. Current Mortgage Market Data (October 2026)

Data source: mortgage section of NAWROCKI facts, updated 15 Oct 2026; statutory fees from NAWROCKI statutory list.

3. Example Calculation for a Typical Warsaw Flat

Using the median primary‑market price in Wola (₤1,030,000) – the most actively traded district in our RCN data – the standard loan parameters produce the following numbers (rounded):

• Purchase price: 1,030,000 PLN
• Down‑payment (20 %): 206,000 PLN
• Mortgage amount (80 %): 824,000 PLN
• Loan term: 25 years
• Monthly instalment (equal principal & interest): 5,309 PLN

These figures illustrate the cost structure; actual offers may vary depending on the bank’s risk assessment and the borrower’s credit history.

4. Practical Steps to Secure a B2B Mortgage

1. Prepare your JDG documentation – extract of the business register (KRS), recent tax returns (PIT‑CIT), and a profit‑and‑loss statement for the last 12 months.
2. Check your credit profile – obtain a credit report from BIG Poland or a similar agency; banks typically require a clean record.
3. Choose the property – use our transaction price overview or the new‑development catalogue to find a flat that fits your budget.
4. Calculate affordability – run the numbers in our mortgage calculator to confirm the monthly payment fits your cash flow.
5. Select a bank – compare offers from major lenders; look for the APR, early‑repayment penalties, and whether they accept a 10 % down‑payment with additional security.
6. Submit the mortgage application – provide the property appraisal (usually ordered by the bank), JDG documents, and proof of down‑payment.
7. Sign the mortgage contract (umowa kredytowa) – a notary will certify the deed; the court fee for entering the mortgage is 200 PLN and the PCC is 19 PLN.
8. Register the mortgage – the notary submits the deed to the land‑register (księga wieczysta). Registration takes 1‑2 weeks.
9. Disbursement – after registration, the bank releases the loan to the seller’s account.

5. Costs Beyond the Interest Rate

• Notary fees: typically 1‑2 % of the property price, but capped at around 5,000 PLN for flats under 150 m².
• Valuation fee: 500‑800 PLN, paid to the bank’s appraiser.
• Legal advisory: 1,000‑2,000 PLN if you engage a lawyer to review the contract.

All these costs should be added to the initial cash outlay before the first instalment.

6. Risks and Mitigation

• Rate fluctuations: although most mortgages are fixed for the first 2‑5 years, the remaining period may be tied to WIBOR. Consider a rate‑cap clause if you prefer certainty.
• Business cash‑flow changes: a JDG’s income can be volatile. Banks may require a cash‑reserve buffer equal to 3‑6 months of instalments.
• Currency risk for foreign investors: loans are denominated in PLN; if your revenue is in another currency, hedge the exposure with a forward contract.

For any legal doubts, especially regarding the mortgage deed (umowa hipoteczna) and land‑register entry, consult a notary or a real‑estate lawyer.

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If you need personalized assistance, contact us at NAWROCKI Real Estate – we can help you prepare the documents, choose the right bank and negotiate the best terms. Get in touch.

This article is general information, not legal, tax or financial advice. Consult a notary, lawyer, tax adviser or mortgage broker before making a decision.

Sources

• Ustawa z 12 grudnia 2013 r. o cudzoziemcach (ISAP)
• Komisja Nadzoru Finansowego (Rekomendacja S)