Mortgages harder to get

Getting a mortgage in Poland is becoming tougher as banks tighten lending standards and households face weaker finances, says Filip Prokop, co-founder of Prorento. He says both higher living costs and stricter risk models are reducing borrowers’ creditworthiness, even among people with stable incomes.

The biggest obstacle is income quality and how banks assess it. Lenders favour predictable salaries, while…