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Mortgage with commission-based pay in Poland: how banks count sales commission

How Polish banks count commission (prowizja) of sales representatives and agents in a mortgage application: base salary, average commission, agency contracts and documents.

KredytPolska editorial team
Updated:

In short

Commission is income for a Polish mortgage, but banks count it differently from a fixed salary. The base salary from an employment contract is usually counted in full, and commission as an average of the last 3, 6 or 12 months, depending on the bank and on how often it is paid. With a short commission history or large swings, some banks count only the base salary. An agent on an agency contract is assessed as under a civil-law contract, and an agent with a business as self-employed.

How banks count commission

For a bank, commission is variable income: nobody knows how much it will be next month. That is why the bank looks at how long you have received it, how much it varies and which contract it comes from. The base salary on an employment contract is usually counted in full, as an average net amount from 3–6 months. Monthly commission is usually averaged over 3–12 months, and quarterly or annual commission over 12 months or from the PIT-11 tax statement for the previous year. A few very good months just before the application raise your borrowing capacity less than you might expect.

Agents on an agency contract or with a business

Under the Polish Civil Code, unless the contract says otherwise, an agent is paid a commission, that is pay that depends on the number or value of contracts concluded. Without a registered business, an agency contract is assessed like a contract of mandate (umowa zlecenie): banks usually want 6–12 months of continuity and look at the average payments. An agent who runs a business, for example in insurance or real estate, is assessed as self-employed, on the basis of the annual tax return, usually after 12 months of activity.

Documents to prepare

An employment and salary certificate from the employer with the base salary and commission shown separately; payslips or a list of payments for 6–12 months; the PIT-11 for the previous year; bank statements for 6–12 months. Agents also need the agency contract and commission statements, or, with a business, the tax return and certificates from ZUS and the tax office. A company car or other benefits in kind are not counted, because they do not reach your account. Most banks need documents in Polish.

The full description in Polish, with a borrowing capacity calculator set for commission income: Wynagrodzenie prowizyjne a kredyt hipoteczny.

Frequently asked questions

Does a Polish bank count commission as income?

Yes, if it is paid regularly and has been paid for some time. Banks usually take an average of the last 3, 6 or 12 months; with a short history or large swings some banks count only the base salary.

Over how many months do banks average commission?

It depends on the bank and on how often commission is paid: monthly commission is often averaged over 3–6 months, quarterly or annual commission usually over 12 months or from the PIT-11 for the previous year.

I changed jobs and my commission is just starting. Can I get a mortgage?

At a new employer the bank cannot see a commission history yet, so it usually counts only the base salary. Some banks also wait until the end of the probation period.

Sources

  1. Civil Code, art. 758 and 758¹: agency contract and agent’s commission (Polish)
  2. Polish Financial Supervision Authority: Recommendation S (Polish)
This guide describes general rules and typical bank practice as of October 2026. Details

It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.

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