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Two jobs or several contracts: how a Polish bank adds up your income

How Polish banks treat a mortgage application with two employment contracts, a job plus a civil-law contract (umowa zlecenie) or several contracts at once: each source is checked separately and only stable income is added.

KredytPolska editorial team
Updated:

In short

A Polish bank does not simply add up everything that reaches your account. It checks each source of income separately: how long it has lasted, whether payments are regular and whether the contract ends soon. Only sources that pass are added to your borrowing capacity. A second job or a civil-law contract that started a few months ago may be left out even if your main job meets every condition. In our example, a single person earning 5,000 zł net who also has a counted 2,000 zł contract can borrow about 435,000 zł instead of 311,000 zł.

Each source is assessed separately

The Polish financial supervisor’s Recommendation S tells banks to count income that is stable over the whole repayment period and to rely on verified information (recommendations 8.2 and 8.4). In practice the analyst treats each contract on its own: when it started, when it ends, what reaches your account and what documents confirm it. The requirements apply to each contract, not to your career as a whole. If your main job has lasted five years and the second one three months, the bank may count only the first. A source that fails is usually just left out: the application is not rejected, but capacity is calculated from a lower income.

Examples of bank requirements

From bank documents and websites read on 1 November 2026. mBank requires employment of at least 3 months and a job contract valid for at least 6 more months; civil-law contracts with the same client should have lasted at least 6 months before the application, so changing the client may restart the count. VeloBank wants salary payments for the last 6 months and, for fixed-term, umowa zlecenie and umowa o dzieło contracts, proof of continuous work for 12 months back (loans up to 500,000 zł) or 18 months (above). Bank BPS lists at least 3 months with the current employer for a job contract and a minimum of 24 months of income for civil-law contracts. Bank Pekao lets you show other income next to a job, and for recurring contracts expects regular payments for at least 6 months.

How much it changes

Illustrative example: single person, main job 5,000 zł net, 30-year loan, offer rate 6.5%, bank tests the instalment at 9%, debt-to-income limit 50%, living costs 1,500 zł. Main job only: about 311,000 zł. Plus a contract averaging 1,500 zł: about 404,000 zł. Plus a steady 2,000 zł contract: about 435,000 zł. Plus a second job paying 3,000 zł: about 497,000 zł. For irregular contracts banks usually take the average of the last 3, 6 or 12 months, so months without payment lower it.

Contributions on a civil-law contract next to a job

Banks count net income. According to ZUS, if your job pays at least the minimum wage (4,806 zł gross in 2026), the client does not pay social insurance contributions on your umowa zlecenie; only the health contribution remains, so more of it stays net. A contract with your own employer is treated by ZUS as part of the employment, with contributions on the combined amount. Ask the bank how it will count such income, and ask the employer to show both amounts separately on the certificate.

Before you apply

List all sources with start and end dates, calculate the net average of each from bank statements, collect documents from every employer and client (certificates, contracts, PIT-11), and check your capacity with and without the second source. Ask the bank or a mortgage expert which sources it will count before you apply.

The full description in Polish, with tables and examples: Dwa etaty albo kilka umów: jak bank sumuje dochody.

Frequently asked questions

Will a Polish bank add up income from two jobs?

Yes, if each contract meets its conditions: enough time with that employer, regular payments to your account and a contract that does not end soon. Each contract is assessed separately.

Does a bank count an umowa zlecenie next to a job?

Usually yes, if it has lasted without a break for several months and payments are regular. Banks set different thresholds, for example 6 months with the same client at mBank and 24 months of income at Bank BPS.

My second job started two months ago. What happens?

The bank will most likely count only your main job. The application is not rejected, but capacity is calculated from the lower income.

Sources

  1. Polish Financial Supervision Authority: Recommendation S (2023), recommendations 8.2 and 8.4 (Polish)
  2. ZUS: several sources of earnings, job and civil-law contract (Polish)
  3. mBank: mortgage guide, who can get a loan (Polish)
  4. VeloBank: list of mortgage documents from 27 February 2026 (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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