{"id":10082,"date":"2025-02-19T00:00:00","date_gmt":"2025-02-18T23:00:00","guid":{"rendered":"https:\/\/novisa.pl\/news\/how-does-a-mortgage-loan-for-a-property-under-construction-work\/"},"modified":"2026-02-02T03:04:11","modified_gmt":"2026-02-02T02:04:11","slug":"how-does-a-mortgage-loan-for-a-property-under-construction-work","status":"publish","type":"post","link":"https:\/\/novisa.pl\/en\/tips\/how-does-a-mortgage-loan-for-a-property-under-construction-work\/","title":{"rendered":"How does a mortgage loan for a property under construction work?"},"content":{"rendered":"\n<p><em>Buying a house at the construction stage can raise many questions. How is such a property financed? Do banks provide loans for a &#8220;hole in the ground&#8221;? The answer is: yes! A mortgage for an apartment under construction is a popular and safe solution that allows you to buy your dream home even during the development of the housing estate. How does it work in practice? Here\u2019s everything you need to know.<\/em><\/p><p>In this article, you will learn:<\/p><p>1. <span style=\"text-decoration: underline;\">How does a mortgage for an apartment under construction work?<\/span><br>2. <span style=\"text-decoration: underline;\">How to check a developer?<\/span><br>3. <span style=\"text-decoration: underline;\">What is an escrow account?<\/span><br>4. <span style=\"text-decoration: underline;\">What conditions need to be met to get a mortgage?<\/span><br>5. <span style=\"text-decoration: underline;\">Is it worth buying a &#8220;hole in the ground&#8221;?<\/span><br>6. <span style=\"text-decoration: underline;\">Is purchasing a property at the construction stage safe?<\/span><\/p><p style=\"text-align: center;\"><span style=\"font-size: 18px;\"><strong>How does a mortgage for an apartment under construction work?<\/strong><\/span><\/p><p style=\"text-align: justify;\">Banks provide loans for properties under construction, but they disburse the funds gradually. The full amount is not transferred to the developer\u2019s account immediately; instead, it is divided into installments. Each installment depends on the stage of construction and the schedule agreed upon in the contract.<br>This allows the bank to secure itself in case the construction is not completed. However, such situations are extremely rare, especially with reputable developers. Until the house is completed, the borrower only repays the interest. The repayment of the principal starts only after the construction is finished.<\/p><figure><img decoding=\"async\" src=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/osiedlewtrakciebudowy.jpg\"><\/figure><p style=\"text-align: center;\"><strong><span style=\"font-size: 12px;\"><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/miasto-ogrod-6\" target=\"_blank\">Construction of Miasto Ogr\u00f3d 6&nbsp;<\/a><\/span><\/strong><\/p><p style=\"text-align: center;\"><strong><span style=\"font-size: 18px;\">How to check the developer?<\/span><\/strong><\/p><p style=\"text-align: justify;\">Although the risk of construction being interrupted is low, it is worth thoroughly checking the developer&#8217;s experience before making a purchase. Here are some steps that will help you make an informed decision:<\/p><p>&#8211; <strong>Check previous investments<\/strong> \u2013 see what the developer has already built and delivered.<\/p><p>&#8211; <strong>Talk to residents<\/strong> \u2013 if possible, visit older developments by this developer and ask the tenants about their experiences.<\/p><p>&#8211; <strong>Read online reviews<\/strong> \u2013 however, keep in mind that people are more likely to share negative experiences than positive ones, so it&#8217;s important to approach them with some caution.<\/p><p>&#8211; <strong>Join resident groups<\/strong> \u2013 on Facebook and online forums, you can find groups where you can ask about the realities of living in a particular development.<\/p><figure><img decoding=\"async\" src=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/ludzierozmawiajaprzyplocie.jpg\"><\/figure><p style=\"text-align: center;\"><strong><span style=\"font-size: 18px;\">What is an escrow account?<\/span><\/strong><\/p><p style=\"text-align: justify;\">Developers maintain escrow accounts that further protect clients&#8217; funds. This means that the money paid by borrowers does not go directly to the developer but is controlled by the bank. The funds are transferred as the construction progresses, providing additional protection in case of financial issues with the investor.<\/p><p style=\"text-align: center;\"><span style=\"font-size: 18px;\"><strong>What conditions must be met to get a mortgage loan?<\/strong><\/span><\/p><p>To obtain a mortgage loan for a property under construction, you must meet the bank&#8217;s standard requirements:<\/p><p>&#8211; <strong>Own contribution<\/strong> (usually 20% of the property&#8217;s value, unless there are special government programs supporting, for example, families or young people \u2013 in that case, the own contribution may be lower or not required),<br>&#8211; <strong>Creditworthiness<\/strong>, meaning adequate income and no excessive debt,<br>&#8211; <strong>A positive credit history<\/strong> in BIK (Credit Information Bureau),<br>&#8211; <strong>A contract with the developer<\/strong> and a construction schedule.<\/p><figure><img decoding=\"async\" src=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/podpisywanieumowy.jpg\"><\/figure><p style=\"text-align: center;\"><span style=\"font-size: 18px;\"><strong>Is it worth buying a &#8220;hole in the ground&#8221;?<\/strong><\/span><\/p><p>By deciding to purchase in a development still under construction, you gain several key benefits:<br>&#8211; <strong>Lower price<\/strong> \u2013 homes at the early stages of construction are cheaper. It&#8217;s like booking a flight ticket in a first-minute offer \u2013 the earlier you buy, the less you pay.<br>&#8211; <strong>Greater selection<\/strong> \u2013 you have the opportunity to choose the best location for your unit, the direction it faces, or the layout. At the later stages of construction, only a few units are available.<br>&#8211; <strong>Time to prepare finances<\/strong> \u2013 before the construction is completed, you have time to gather funds for interior finishing.<\/p><figure><img decoding=\"async\" src=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/planosiedladeweloperskiego.jpg\"><\/figure><p style=\"text-align: center;\"><strong><span style=\"font-size: 18px;\"><span style=\"font-size: 12px;\"><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/osiedle-mlodych\" target=\"_blank\">Development plan &#8211; Osiedle M\u0142odych<\/a><\/span><br>Is purchasing a property under construction safe?<\/span><\/strong><\/p><p style=\"text-align: justify;\">Yes, it is a proven and safe solution. Banks carefully analyze investments and developers before granting a loan. Additionally, escrow accounts secure client payments. However, it is crucial to choose reliable developers with a good track record of completing housing projects.<\/p><figure><img decoding=\"async\" src=\"https:\/\/novisa.pl\/wp-content\/uploads\/2026\/01\/parapatrzynabudowedomu.jpg\"><\/figure><p style=\"text-align: center;\"><span style=\"font-size: 18px;\"><strong>Summary<\/strong><\/span><\/p><p style=\"text-align: justify;\">If you were concerned about buying a house in a development, we hope we&#8217;ve cleared up your doubts. Many people choose this form of purchase and financing, and the result is their dream home \u2013 new, fresh, and built just for them.<br>Looking for your place? Check out&nbsp;<strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/osiedle-sloneczne\" target=\"_blank\">new townhouse development in Sulej\u00f3w<\/a>ek<\/strong>, <strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/manufaktura-marki-2\" target=\"_blank\">apartments in Mark<\/a>i<\/strong>, <strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/miasto-ogrod-5\" target=\"_blank\">houses with gardens in O\u017car\u00f3w Mazowiecki<\/a><\/strong>, <strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/osiedle-mlodych\" target=\"_blank\">housing estates in Lesznowola<\/a><\/strong>, <strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/ogrody-przyjaciol-5\" target=\"_blank\">houses in Bia\u0142o\u0142\u0119ka<\/a><\/strong>&nbsp;and&nbsp;<strong><a href=\"https:\/\/www.novisa.pl\/en\/inwestycja\/slow-wilanow\" target=\"_blank\">small residential estates in Wilan\u00f3w<\/a><\/strong>. This is a unique opportunity to live in a peaceful, green area, yet close to Warsaw. Don&#8217;t miss the best offers \u2013&nbsp;<strong><a href=\"https:\/\/www.novisa.pl\/en\/kontakt\/\" target=\"_blank\">contact us today<\/a><\/strong>!<\/p><p style=\"text-align: center;\"><em>&nbsp;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a house at the construction stage can raise many questions. How is such a property financed? Do banks provide loans for a &#8220;hole in the ground&#8221;? The answer is: yes! A mortgage for an apartment under construction is a popular and safe solution that allows you to buy your dream home even during the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7259,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[122],"tags":[],"class_list":["post-10082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How does a mortgage loan for a property under construction work? - Novisa Development<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novisa.pl\/en\/tips\/how-does-a-mortgage-loan-for-a-property-under-construction-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How does a mortgage loan for a property under construction work?\" \/>\n<meta property=\"og:description\" content=\"Buying a house at the construction stage can raise many questions. 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