Salary (UoP), B2B Ryczałt, Linear Tax or Zlecenie – How All 11 Polish Banks Score Your Income
On the exact same 20,000 PLN monthly B2B Ryczałt invoice, one Polish bank will approve you for 980,000 PLN while another caps you at 610,000 PLN. Test your invoice in the live 11-bank simulator below.
1. Why B2B Ryczałt Borrowing Capacity Differs by 300,000+ PLN Across Polish Banks
If you work on a Polish employment contract (Umowa o pracę – UoP), every bank sees your exact net take-home salary. But if you are self-employed on a B2B lump-sum tax (JDG Ryczałt ewidencjonowany – e.g. 12% IT or 8.5% services), your tax return (PIT-28) only shows your gross invoice revenue – not your costs.
Because each bank uses its own internal algorithm to estimate your "net income" from that gross invoice, Alior Bank and Bank Pekao S.A. recognize 70%–75% of your invoice as net income, whereas conservative banks recognize only 45%–50%!
2. Interactive 11-Bank B2B Ryczałt Capacity Simulator
Enter your average monthly B2B invoice revenue (net of VAT) to see how much each of the 11 Polish banks recognizes as net income and your estimated maximum loan (25 years, no other debts):
| Bank | Min. Tenure (UoP / B2B) | Ryczałt Recognition | Recognized Net / Mo | Est. Max Mortgage |
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3. Minimum Contract Tenure Rules: Switching from UoP to B2B for the Same Client
Normally, Polish banks require 12 to 24 months of active business history in CEIDG for a B2B (JDG) applicant. However, if you transitioned from an employment contract (UoP) to B2B in the same industry or for the same employer/client, mBank, Alior Bank, VeloBank, and Bank Millennium can accept your B2B income after just 3 to 6 months on an individual waiver.
Frequently Asked Questions (FAQ)
Which Polish banks give the highest mortgage capacity on B2B Ryczałt (12% IT / 8.5%)?
Alior Bank (~75% of invoice recognized), Bank Pekao S.A. (~70%), VeloBank (~68%), Erste Bank Polska / ex-Santander (~65%), and Bank Millennium (~62%) provide the highest borrowing capacity for B2B Ryczałt contractors in Poland.
How many months do I need on a Polish employment contract (Umowa o pracę) to apply for a mortgage?
On an indefinite employment contract (Umowa o pracę na czas nieokreślony), almost all 11 Polish banks require just 3 months of completed employment. On a fixed-term contract (na czas określony), banks typically require 6 months worked and at least 6–12 months remaining forward.
Check real numbers for your apartment across all Polish banks
No hidden mandatory insurance surprises and no phone number required – compare your true monthly payment and maximum borrowing limit in 3 seconds.