Complete Guide to Foreigners Buying Property in Poland: Rules, Process, and Tips

EU/EEA citizens can freely buy apartments, houses, and land in Poland without permits (same rights as Polish citizens), while non-EU citizens can buy apartments freely but require Ministry of Interior permits (2-month process) for houses and land. Budget 2-3% extra for notary fees, 2% property transfer tax (PCC) on secondary market properties, plus agent commissions. Warsaw prices average 12,000-20,000 PLN/m², with mortgages available but stricter requirements for foreigners.

Poland has become an increasingly popular destination for foreign property buyers, offering a blend of affordable prices, growing economy, and high quality of life. Whether you're looking for a home, investment property, or vacation retreat, understanding the Polish property market is essential for a successful purchase in Warsaw and beyond.

Can Foreigners Buy Property in Poland?

Yes, foreigners can buy property in Poland, but the rules differ based on nationality and property type:

EU/EEA Citizens

• Can purchase apartments freely without any restrictions
• Can purchase houses and land without permits (with minor exceptions)
• Same rights as Polish citizens for most property transactions
• Some restrictions may apply to agricultural land in border zones

Non-EU Citizens

• Can purchase apartments without any permit
• Require a permit from the Ministry of Interior for houses and land
• The permit process takes approximately 2 months
• Long-term residents may qualify for exemptions

Costs of Buying Property

Beyond the purchase price, budget for these additional costs:

One-Time Costs

• Notary Fees: 0.5-3% of property value (regulated by law)
• Property Transfer Tax (PCC): 2% for secondary market properties
• Land Registry Entry: 200 PLN
• Real Estate Agent Commission: 2-3% (if using an agent)
• Legal Fees: 1,500-5,000 PLN for a lawyer
• Translation Costs: If documents need translation

For New Developments

• VAT is included in the price (8% for residential under 150m²)
• No PCC tax for new properties from developers
• May include finishing costs if buying a shell apartment

Financing Your Purchase

Mortgages for Foreigners

• Polish banks offer mortgages to foreigners, but requirements are stricter
• EU citizens have easier access to financing
• Non-EU citizens may need higher down payments (30-50%)
• Income documentation from Poland is typically required
• Some banks require residence permits

Typical Mortgage Terms

• Maximum loan-to-value: 80% for Polish residents, lower for foreigners
• Interest rates: Currently around 7-9% (variable)
• Maximum term: Usually 25-30 years
• Currency: Loans in PLN only (foreign currency mortgages discontinued)

Popular Cities for Foreign Buyers

Warsaw

The capital offers the strongest job market, international community, and highest property values. Average prices range from 12,000-20,000 PLN/m² depending on location.

Krakow

Historic and cultural center with strong tourism and growing tech sector. Prices average 10,000-16,000 PLN/m².

Wroclaw

Dynamic business hub with excellent quality of life. Prices range from 9,000-14,000 PLN/m².

Gdansk

Coastal city combining history with modern development. Prices from 10,000-15,000 PLN/m².

Tips for Foreign Buyers

• Hire a Lawyer: Use an English-speaking real estate lawyer to review all documents.
• Get Translations: Have all contracts professionally translated.
• Check the Land Registry: Always verify ownership and encumbrances.
• Understand Czynsz: Learn about monthly maintenance fees before buying.
• Visit Multiple Times: View the property at different times of day.
• Consider Resale Value: Think about future marketability of the property.
• Budget for Finishing: New apartments often need additional finishing work.
• Open a Polish Bank Account: You'll need one for the transaction.

Common Pitfalls to Avoid

• Not verifying the land registry before purchase
• Underestimating additional costs and fees
• Rushing the due diligence process
• Not understanding the difference between usable and total area
• Ignoring monthly maintenance costs (czynsz)
• Buying without a lawyer
• Not checking for outstanding debts on the property

Buying property in Poland can be a rewarding experience with the right preparation and professional guidance. Take your time, do thorough research, and work with qualified professionals to ensure a smooth transaction.

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• Legal Services in Warsaw - Real estate lawyers
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