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Mortgage for a single parent in Poland: how banks count alimony and 800 plus

Can a single parent get a mortgage in Poland? How Polish banks count alimony, the 800 plus child benefit and the alimony fund, with an example of how much you can borrow.

KredytPolska editorial team
Updated:

In short

A single parent gets a mortgage on the same terms as anyone else. The bank counts one income and deducts living costs for you and each child who lives with you. The amount depends mostly on what the bank accepts: in our example a parent of two with a net salary of 6,500 zł can borrow about 373,000 zł on the salary alone, about 497,000 zł when the bank also counts alimony and about 597,000 zł when it counts 800 plus as well. That is why the choice of bank matters so much.

How much a single parent can borrow

Example: a mother or father of two, net salary of 6,500 zł from an employment contract, alimony of 2 × 750 zł and 800 plus for each child. Loan for 30 years, offer at 6.5%, the bank tests the instalment at 9%.

What the bank countsIncomeLoan, DSTI 50%
Salary only6,500 złabout 373,000 zł
Salary and alimony8,000 złabout 497,000 zł
Salary, alimony and 800 plus9,600 złabout 597,000 zł

Living costs 1,500 zł for the parent and 1,000 zł per child. With a DSTI limit of 40%: about 323,000, 398,000 and 477,000 zł. Banks calculate differently.

With children, the limit is often set by income after living costs, so every złoty of accepted alimony raises the amount. The last option is the rarest, because many banks do not count 800 plus, but banks that accept documented alimony are not an exception.

Alimony

Many Polish banks count alimony you receive as income if it is based on a court judgment or a court-approved settlement and arrives regularly on your account, usually for the last 3–6 months. Some banks count it only until the child reaches a certain age or treat it as supporting income. An oral agreement is not enough. Alimony paid from abroad or in a foreign currency is assessed more cautiously, and the bank may ask for a sworn translation of the judgment. If you pay alimony, the bank always deducts it.

800 plus and the alimony fund

Many banks do not count 800 plus, and some treat it only as supporting income. For Ukrainian citizens with UKR status, since 1 February 2026 the benefit generally depends on work in Poland and on the child attending a Polish school or preschool.

If the other parent does not pay, the Polish alimony fund (fundusz alimentacyjny) may pay alimony instead: in the period from 1 October 2026 to 30 September 2027 up to 1,000 zł a month per child, if the family income is no more than 1,665 zł net per person. Whether a foreign parent qualifies depends on residence status, which the local social welfare office confirms. Banks treat this benefit more cautiously than alimony, because it is granted for one year at a time.

What helps

  • alimony paid by bank transfer, with a clear title, on the basis of a judgment or court settlement,
  • a second borrower, such as your parent, if the amount is too low,
  • life insurance: with one income the bank may require it, and it protects your children,
  • the family housing loan without a down payment is open to single people, but a foreigner can use it only together with a partner who has Polish citizenship, as described in housing programmes 2027.

The general conditions for foreigners are in our guide mortgage for foreigners. A longer version of this article, including renta and alimony you pay, is available in Polish.

Frequently asked questions

Can a single parent get a mortgage in Poland?

Yes. The bank counts one income and deducts the living costs of the children. In our example a parent of two with 6,500 zł net can borrow about 373,000 zł on the salary alone and about 497,000 zł when the bank also counts alimony.

Does 800 plus count towards mortgage capacity?

Many banks do not count it, and some treat it only as supporting income. Do not base your plan on it.

Do Polish banks count alimony from Ukraine or another country?

Some do, but more cautiously. The bank needs the judgment or settlement, often with a sworn translation, and regular payments on your account.

Sources

  1. Kodeks rodzinny i opiekuńczy, art. 133 (ISAP, Polish)
  2. Act on assistance to persons entitled to alimony (ISAP, Polish)
  3. Samorzad.gov.pl: alimony fund, period 2026/2027 (Polish, read 1 November 2026)
  4. Zielona Linia (gov.pl): 800 plus for Ukrainian citizens, changes from February 2026 (Polish)
  5. 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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