Braveheart16 18 | 286 17 Mar 2016 #1It would seem that further restrictions imposed by banks will now make it even more difficult for EU citizens to buy a house in Poland using foreign income. Today I returned to the bank who in February informally agreed that I could take out a mortgage given my circumstances.. We went there to discuss further details and to prepare for the purchase of the house we now intend to buy. It came as quite a shock to hear the mortgage advisor apologise and tell us that the rules have now changed concerning mortgages as follows: (I am planning to arrange a small mortgage using my monthly pension which originates from the UK.)It appears that since the 14 March this bank (and perhaps all other banks) now require me (and I presume other EU citizens in my position) to have a second income originating in Poland which must pay more than the foreign income generated by my monthly pension. So in short I need to have a job or business which pays more than my pension before this bank will consider my request for a mortgage.Whilst my pension is not that substantial I think it would be really difficult to find a job which will pay me more than my monthly pension. I just find this quite incredible.Naturally I was quite shocked with this news and asked how long the advisor knew about the changes. He said that he had only heard recently and seemed to suggest that it was other internal banking officials who changed the rules and not the government. He did say that had we provided the usual paperwork in February then we may have been able to obtain a mortgage based on my UK pension. Finally he said that his bank had a lot of other customers in my position (I presume other EU nationals)My wife and I went to another bank and following checks on income, age etc said that they could give us a mortgage providing we paid for it in UK Sterling....(at the moment I have receive my pension in Zloty's) This would require us to set up a sterling bank account so that the bank would either receive all of my pension in sterling or just the monthly payment for my mortgage) What was interesting was that when we mentioned about the 'new rules' she said that it must be internal bank rules because her bank are fine with giving us a mortgage. However this could all be quite complicated and financially difficult because of the exchange rate etc with my personal bank and transferring the funds to this new bank for our mortgage.We did however go to my own personal bank (who many months ago confirmed that someone in my position couldn't get a mortgage with them for other reasons) to see if it was possible to open a 'sterling' account (assuming we would move forward with the mortgage at the other bank) Not possible as they only have euro and zloty accounts. However on discussing our recent bad news from the original bank they did confirm that the new rules apply to all banks... The bank was however happy to give us a personal loan which unfortunately was less than we needed but nevertheless would enable me to obtain some finance. She just needed to make sure that I had permanent residency in Poland. My wife explained that we will have permanent residency when we buy our house but that a the moment we have a temporary address. I have already applied for residency and although the letter and card I received does not specifically say that I have permanent residency it does say something about residency so not sure if this will suffice.........Thought you may like to hear about this new change which at the moment is really making life difficult for us to buy a house which has taken many months to find.It would be helpful to hear your comments.