Kredyt hipoteczny dla osób pracujących za granicą

Po wejściu naszego kraju w struktury Unii Europejskiej, bardzo duża część naszych rodaków postanowiła poszukać pracy w innych krajach. Jednakże ich część chce po jakimś czasie wrócić do Polski, więc chcieli by oni kupić jakąś nieruchomość, aby mieć „do czego wrócić”. Zwykle nieodzowny w takim przypadku staje się kredyt hipoteczny, dzięki któremu taką nieruchomość można nabyć szybciej.

Jednakże banki podchodzą do takich klientów z większą ostrożnością niż w stosunku do klientów pracujących w Polsce. Nie oznacza to, że uzyskanie przez nich kredytu jest niemożliwe. Po prostu mają oni nieco więcej formalności, a poza tym, zazwyczaj banki wymagają od nich nieco większego wkładu własnego. Dokumenty jakie muszą składać wraz z wnioskiem są prawie że takie same, jak w przypadku zatrudnionych w Polsce. Czyli należy pokazać dokumenty potwierdzające źródło uzyskiwania przychodów, wyciąg z banku za ostatnie kilka miesięcy, Czasami wymagane jest też na piśmie potwierdzenie historii kredytowej z instytucji, która jest odpowiednikiem polskiego Biura Informacji Kredytowej. Niektóre banki wymagają, aby dokumenty te były przetłumaczone na język polski. Ponadto wnioskodawca musi złożyć odpis księgi wieczystej i inne dokumenty jak każda inna osoba.

Jak więc widać, uzyskanie kredytu hipotecznego dla osób które zarabiają w innym kraju jest możliwe, jednak wymaga nieco większej ilości dokumentów i zwykle większej wpłaty własnej.

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