An optimistic decision to the a credit card applicatoin is much more probably for foreigners with an appropriate and you will affirmed income source, long-term responsibilities, and you can offered documentation. And this is analytical, since if one has been traditions and working from inside the Poland for a long time, he’s so much more factors and you may possibilities to accept here. Hence, the second products mainly dictate a positive impulse:
- Long lasting a position contract – this confirms the boss trusts the employee, and therefore the bank is believe for example one. But not, apps along with other municipal-law contracts can also be accepted!
- Credit history throughout the Polish Borrowing Advice Agency (Biuro Informacji Kredytowej, BIK) – to start with, the exposure from inside the Poland, and you will secondly, the quality. If one enjoys continuously paid down installments and you may money before applying for home financing, it means the financial can be believe in them with big deals. For this reason, before you apply having a mortgage, it is worth taking into consideration building a credibility due to the fact a conscientious borrower.
- Permanent house card – this is in reality a long-title relationship. Permanent residency verifies that people has gone through brand new stage that have short-term home and that is inclined to continue residing in Poland for a long time. Specific finance companies first need the presence of a permanent house credit to convey a home loan.
- Money peak – the higher the amount of money, the higher loan amount one could qualify for.