Your Real Estate Expert

1. Determine Your Budget
   Evaluate your financial situation to understand how much you can afford, including down payment and monthly payments.
2. Get Pre-Approved for a Mortgage
   Contact a bank or mortgage provider to get pre-approved, which gives you a clear idea of your loan capacity.
3. Search for Properties
   Use real estate platforms or work with an agent to find homes that match your preferences, budget, and location requirements.
4. Visit Properties
   Schedule viewings to explore potential homes and ensure they meet your needs.
5. Make an Offer
   Once you find the right home, submit an offer to the seller through your agent. Be prepared for negotiations.
6. Sign the Preliminary Agreement (Umowa Przedwstępna)
   If your offer is accepted, you’ll sign a preliminary agreement and possibly pay a reservation deposit.
7. Secure Financing
   Finalize your mortgage approval process with the lender. This may include a property valuation.
8. Due Diligence
   Conduct legal and technical checks on the property (ownership rights, land registry, or potential encumbrances).
9. Sign the Final Purchase Agreement (Umowa Przyrzeczona)
   Sign the notarial deed in the presence of a notary public and make the final payment.
10. Register Ownership
    Submit the required documents to the Land and Mortgage Register (Księga Wieczysta) to officially transfer ownership.
11. Receive the Keys
    Once the transaction is complete, you’ll receive the keys and can move into your new home!

The process typically takes 4–8 weeks from the time you make an offer to the final transfer of ownership. However, it may vary depending on factors such as mortgage approval, property checks, and the seller’s availability.

You’ll generally need:

• A valid ID or passport.
• A tax identification number (PESEL, if applicable).
• Mortgage pre-approval documents (if taking a loan).
• Proof of funds (bank statement).
• Any required permits (for non-EU buyers).

Yes, foreigners can buy property in Poland. EU/EEA citizens don’t need special permits, while non-EU buyers may need permission from the Ministry of Interior for certain types of property, such as land.

In addition to the property price, expect the following costs:

• Notary fees (approx. 1-2% of the property price).
• Tax on civil law transactions (2% for secondary market properties).
• Real estate agent fees (usually 2-3% of the property price).
• Bank fees for mortgages (if applicable).

While not mandatory, a real estate agent can help you find the right property, negotiate with the seller, and guide you through the legal and financial processes, saving time and reducing stress.

In Poland, a notary ensures that the property transaction is legally binding. They prepare and authenticate the sale agreement, oversee the payment process, and register the property transfer with the Land and Mortgage Register.

This depends on your preferences:

• New properties often come with modern designs and warranties but may require finishing work.
• Secondary market properties are ready to move in and might be located in established neighborhoods but could need renovations.

Before making a purchase, verify:

• Ownership rights and title deed in the Land and Mortgage Register.
• Any outstanding debts or encumbrances on the property.
• The condition of the property (technical inspections).

To get a mortgage:

1. Choose a bank and apply for pre-approval.
2. Submit required documents (income proof, property details, credit history).
3. The bank evaluates the property and your financial status.
4. If approved, sign the loan agreement and proceed with the purchase.