How to prepare documents for a loan application

Every bank has its own list of required documents, but most ask for a similar set. Gathering them in advance shortens the whole process and saves you from going back to the same formalities several times. The list below is indicative, and the exact scope depends on the bank, the form of employment and the type of property.

1. Financial documents

• certificates or statements of income,
• confirmation of salary payments into your account.

2. Personal documents

• the ID card of each borrower,
• a prenuptial agreement (separation of property), if applicable.

3. Property documents

• a preliminary or developer's agreement,
• a reservation agreement,
• when buying from a developer, the developer's documents, e.g. the information prospectus,
• a property valuation (by the bank or external – we will decide together).

If you are building a house or buying a property under construction

• building permit,
• cadastral map,
• extract from the land register,
• project design,
• cost estimate (we will prepare it together).

4. Additional documents for business owners and other sources of income

• Own business: tax returns (PIT) for recent years, certificates of no arrears from the Social Insurance Institution (ZUS) and the tax office, and business account statements. The scope depends on the form of taxation.
• Other sources of income: civil-law contracts, a decision granting a retirement or disability pension, and other documents confirming regular income.

How to avoid going back to the same documents

• Certificates have a limited validity period, often around 30 days, so do not arrange them too early.
• Prepare legible scans in one place and check the validity of your ID card.
• At our meeting I will select the set of documents for your scenario and the chosen bank, so that nothing is missing and you do not prepare unnecessary papers.