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Mortgage when working part-time in Poland: will a bank lend and how much?

Can you get a Polish mortgage on a part-time job (pół etatu)? How banks count part-time pay, an example for full-time, 3/4 and half-time, reduced hours after parental leave and what raises the amount.

Piotr Sułkowski · mortgage expert, KNF RHA0013513
Updated:

In short

Yes. Working part-time does not rule out a mortgage in Poland. The bank does not assess your working hours, but the amount of your income, how stable it is and the type of contract. A part-time employment contract (umowa o pracę na część etatu) is, for the bank, the same kind of contract as a full-time one, just with a lower salary. In our example a single person earning 4,000 zł gross for half-time can borrow about 202,000 zł, and much more with a co-borrower working full-time.

Will a bank lend on a part-time contract

Yes. No Polish law requires full-time work for a mortgage. The Labour Code (art. 29² and art. 292) treats part-time employees the same way as full-time ones, and their pay, including the minimum wage, is calculated in proportion to their hours. For the bank it is still an employment contract, one of the best-rated forms of income. The bank checks your net income, the type of contract and how long you have worked, and whether your hours are permanent or only temporarily reduced. Banks do not publish their internal rules for part-time income, so it is worth asking several banks.

How much you can borrow: full-time, 3/4 and half-time

Example: a person who would earn 8,000 zł gross full-time, a 30-year loan, no other debts. Model of our borrowing capacity calculator, not a bank offer: 6.06% fixed for 5 years, instalment limit 40% of income.

  • Full-time: 8,000 zł gross, 5,784 zł net, about 383,000 zł
  • 3/4 time: 6,000 zł gross, 4,420 zł net, about 292,000 zł
  • Half-time: 4,000 zł gross, 3,057 zł net, about 202,000 zł

A couple where one person works half-time and the other full-time can borrow about 586,000 zł in the same model. Living costs grow more slowly than income, so every salary in the household raises the amount.

Half-time on the minimum wage

In 2026 the Polish minimum wage is 4,806 zł gross for full-time work, so half-time pays at least 2,403 zł gross, about 1,887 zł net. On its own this gives about 75,000 zł in our model, which is usually not enough for a flat, but together with a co-borrower or a second regular income it clearly raises the amount.

Reduced hours after parental leave

A parent of a child under 6 with at least 6 months of work history can ask the employer to reduce working hours, but not below half-time. From the request until the return to full hours, the employee is protected against dismissal for up to 12 months in total, which the bank sees as stable employment. The bank usually counts the lower salary you receive now. If you return to full hours soon and need every złoty of capacity, consider applying after your first full salary.

What helps

  • a co-borrower with their own income, such as a partner or a parent,
  • a contract after the probation period, ideally permanent, and a few months in your current job,
  • a second part-time contract or regular extra income, which the bank can add if it is documented, as described in two jobs or several contracts,
  • a larger down payment and paying off small loans and credit card limits before you apply.

If you plan to switch to part-time, do it after signing the loan agreement or a few months before applying. The general conditions for foreigners are in our guide mortgage for foreigners. The full description in Polish: Kredyt hipoteczny przy pracy na pół etatu.

Frequently asked questions

Can I get a mortgage in Poland working part-time?

Yes. No law requires full-time work. The bank looks at the amount of income, the type of contract and your work history, and a part-time employment contract counts like any employment contract.

How much can I borrow on a half-time job?

It depends on the salary. In our simplified example a single person earning 4,000 zł gross for half-time (3,057 zł net) can borrow about 202,000 zł over 30 years. With a co-borrower the amount is much higher.

Will the bank add two part-time jobs together?

Usually yes, if both are regular and documented. You need an income certificate from each employer.

Sources

  1. Labour Code (ISAP, Polish)
  2. Ministry of Family, Labour and Social Policy: part-time work (gov.pl, Polish)
  3. Zielona Linia (gov.pl): reduced working hours for parents (Polish)
  4. Polish Financial Supervision Authority (KNF): Recommendation S on mortgage lending
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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