Below is a standardised list of financial documents required from clients with income from abroad applying for a mortgage loan in Poland:

• certificate of income on a bank's form
• job contract
• credit report (from an equivalent of Polish Credit Information Bureau)
• latest annual tax return
• bank statement for personal account for a minimum of 3 months

As a rule, certified translation of the documents is required (with the exception of documents in English or German).
The most widely accepted source of foreign income is a job contract.

The remaining sources of income require, in many cases, an individual decision of the bank. This is largely due to differences in the tax systems of various states.