It is estimated that over 2 million of our compatriots live outside the country and generate income there. Many of these people after some time have a need to take out a loan for the purchase of an apartment, or possibly a cash loan for any purpose.
The rule for mortgage loans is that they are paid in the currency in which you earn. If we generate revenues in dollars or dollars, there is no problem because we will receive financing in such currencies.
The problem begins when we are employed in countries such as:
- Czech Republic
and we earn in currencies. In Poland, we will not get a loan for an apartment in such currencies.
This problem, however, will not be with a cash loan for any purpose. In all these cases, we can apply for a loan in USD. Additionally, people with income in dollars and pounds can use it.
Financing the purchase of an apartment with a cash loan
If we are not able to obtain a mortgage for the purchase of an apartment, we can use an unsecured cash loan in some part.
Such a loan can be spread over a shorter period, i.e. within 8-10 years, although we have to take into account that it will be more expensive compared to a secured loan. In addition, the loan amount will be lower, as it will be around USD 150,000
The pros are that the mortgage will not be taken over by the bank and the property will be 100% our property.
Funds raised in this way can be used for any purpose, for example:
- buying a car
- consolidation of other loans
Institutions lending income obtained abroad
Income from: employment contracts, managerial / seafarer contracts, old-age pension / disability pension is accepted.
For an employment contract / contract, a 12-month work experience with the current employer is required.
The condition is the receipt of remuneration on the Polish account. The minimum work experience of the current employer is 3 months.
The minimum seniority is 6 months with the current employer. Required impact of remuneration on the Polish account.
The offer is dedicated to applicants with an employment contract who reside in Poland and provide work in Germany or the Czech Republic
The loan is available to bank customers who have a foreign currency account with an income of at least 3 months. In addition, a co-borrower registered in Poland is required.
An account is required from a minimum of 6 months with payment receipt
Requirements identical to those employed in Poland. Employment experience min. 3 months and 12 months ahead. However, we must realize that these are the minimum requirements and with larger amounts it will be difficult to get a loan for a longer period than the employment contract.
People who earn income in countries bordering Poland and whose income affects the Polish account are credited. If you run a business abroad, you will not receive a loan from a Polish bank.