Kredify
your professional credit broker in Poland

Combined experience of our team is more than 10 years on financial market of Poland
We have helped to obtain financing for over 3000 clients for a total amount of almost 1 bln polish zloty.

Nazar Melnyk
Loan Expert

Magdalena Chabros
Loan Expert
Combined experience of our team is more than 10 years on financial market of Poland
We have helped to obtain financing for over 3000 clients for a total amount of almost 1 bln polish zloty.

Dmitriy Naumenko
Loan Expert

Maciej Andrejczuk
Loan Expert
Combined experience of our team is more than 10 years on financial market of Poland
We have helped to obtain financing for over 3000 clients for a total amount of almost 1 bln polish zloty.

Joanna Kowalik
Loan Expert

Orest Hrachov
Loan Expert
We offer 8 products on
polish financial market
Our offer includes 15 mortgage banks, over 30 finacial institutions granting cash and company loans

Mortgage Loan
We help you fulfill the dream of your own apartment, we support you at every stage from the initial creditworthiness consultation to the completion of the investment and moving into your own apartment.

Cash Loan
We select the most advantageous cash loan for the client's current needs,
up to PLN 250,000

Leasing
We help finance assets for the development of your company

Company Loan
Credit for your company development without deposition up to 500 thousand PLN. As well as a secured loan (purchase of your own office/production workshop) up to 10 million PLN

EU Funding
We help finding financing/subsidies from various EU funds for the development of each legal entity in Poland

Cleaning the polish BIK database
We provide assistance in removing bad credit history in the polish databases

Insurance
We help you choose the best insurance required for financing, as well as vehicle, health and life, real estate and travel insurance policies

Factoring
We support your company's cashflow, when your contractors need a longer deadline to pay an invoice
Check your creditworthiness
Check your chances of getting a mortgage now
Creditworthiness calculator

Polish subsidy program
Mortgage 0%
When the program is going to start?
The Mieszkanie na Start program is scheduled to launch in the second half of 2024.
For whom?
Any person who did not previously have their own apartment or house. Only a share not exceeding 50%, acquired by inheritance or donation, is allowed
Program details:
– Can be used to purchase an apartment or to build a house in Poland
– Preferential loan up to a maximum amount of PLN 600,000, without limit on down payment
– Interest rate 0%-1.5% depending on the size of the household
– Age limit 35 for singles
– Income criteria (from a maximum of PLN 10,000 gross/month for a single person to PLN 33,000 gross for a family of 5)
– Families who already own an apartment and have at least three children are also eligible for the program
Frequently asked questions
How much do your services cost?
Our services are free of charge, we receive pay reward from financial institutions/insurance companies
Where to start the credit process?
From contacting the appropriate expert, calculation of creditworthiness in order to understand your purchasing power
What documents are required from a foreigner for a mortgage loan?
Almost all banks in Poland require valid residence card with a validity period of at least 1 to 12 months at the time of registration of the loan application.
In addition, the foreign passport also should be valid at the time of application
What is creditworthiness?
Is a measure of borrower’s risk to a lender. In other words, it is how much your earnings allow you to pay the loan payments.
Without proper creditworthiness, it will be impossible to take advantage of even a small financing from a polish bank
What sources of income are acceptable for Polish banks?
There are many of them, but the main ones are:
• Umowa o pracę (valid for at least 3 months)
• Umowa zlecenie (valid for at least 6 months)
• Umowa o dzieło (valid for at least 6 months)
• Działalność gospodarcza (polish soleproprietorship company)
• Kontrakt menedżerski (valid for at least 6 months)
• Najem (official income from housing rent, minimum 12 months)
• Świadczenia wychowawczego 500+ (polish social payments)
• Emerytura (pension in Poland)
• Renta (social help in Poland)
• Alimenty (alimony in Polnad)
What is an own contribution in a mortgage loan?
This is your equity (own savings) that you should have before you decide to apply for a mortgage.
As a rule, polish banks require 20% down payment, but there are some that only require only 10% down payment of the price for the property you will buy
Example:
You have found a home worth PLN 500,000.
Your minimum down payment is 10% i.e. PLN 50 000, which you must make as your own contribution when buying this home
Is it possible to consolidate/pay off a mortgage faster in Poland?
Yes, the mortgage loan can be refinanced on better terms to another bank.
In addition, in most cases, you can fully repay the mortgage for free even after the first 3 years of initial start.
Early repayment of the loan means, that we pay only the capital of the loan, and the future interest on the day of repayment of the loan is canceled
Is it possible to get a lease for a newly opened company?
Of course, you should be informed, that most leasing companies require in such cases a higher down payment when buying a car
About us
A team of experienced experts, we select best offers based on modern technologies to compare offers on the Polish financial market
15+
Banks
3000+
Clients
10+
Years
1+
BLN
Your Opinion about us
We would like to thank for help of Mr Maciej! He helped us to buy a house in Poland. Our bank rejected us, but Maciej helped us with finding another bank, which financed our newly bought property. Our installments are much lower than our rent payment was, so we are happy, because we are paying off our own apartment. 100% we recommend Maciej as an mortgage agent!

Nasir
Mortgage Loan
My husband and I dreamed about our own flat in Warsaw. We were struggling to find a mortgage agent, who will explain every detail about taking a loan mortgage in Poland. Luckily, we found Kredify and we got every single information, that we needed before looking for our own flat. Special thanks for Nazar – mortgage agent, he delivered all of the specific details and explained us on how to overpay, use and then finish earlier our mortgage loan

Stephanie
Mortgage Loan
I am living in Poland for almost 5 years, I thought that foreigners could not take any leasing or company loan without having a permanent residence card in Poland. Kredify experts explained me that I was wrong and fortunately I got my brand new Audi in lease payments for 3 years. I am very happy and definitely recommend You to check their free consultations.

Jeremy
Leasing
I was looking for a cash loan. I was in 3 banks and everybody rejected me. I was desperately searching for some information via google and found Kredify experts. Mrs Joanna explained me what I was doing wrong and helped with the loan application in different bank. Finally I got over 100 thousand PLN cash loan, thanks to Kredify !

Samantha
Cash Loan
Contact with us
RPK023570
RHA0014410
