Our home market: notarial deed, PCC/VAT, mortgages, and strong rental incl. student demand.
Poland is a large, stable EU market with strong rental demand from students and professionals in Warsaw, Kraków and Wrocław. This guide covers the notary-led process, the permit rules for non-EU buyers, costs and rental dynamics.
Market overview and who it suits
Poland suits long-term landlords and relocators who want an EU base with steady city rental. Demand is anchored by a large student population and a growing services economy. EU citizens buy freely; some non-EU purchases need a permit.
The buying process, step by step
- Agree terms; engage a notary and ideally an independent lawyer.
- Sign a preliminary agreement with a deposit (zadatek).
- Run checks on the land-and-mortgage register (księga wieczysta).
- Complete with a notarial deed and register the transfer.
Documents you will need
- Passport and proof of funds.
- Preliminary agreement and notarial deed.
- MSWiA permit application where required for non-EU buyers.
Permits for non-EU buyers
EU/EEA citizens buy without a permit. Other foreigners can usually buy an apartment freely, but a permit from the Ministry of Interior (MSWiA) is often required for houses with land and for land — confirm your case before committing.
Taxes and costs of buying
- Resale: transfer tax (PCC) at 2%.
- New build from a developer: VAT is included in the price.
- Notary, court (land register) and any agency fees.
Ongoing costs of ownership
Building/management fees, perpetual-usufruct or land charges where applicable, utilities and insurance. Add management for remote letting.
Financing and mortgages
Polish banks lend to non-residents case by case, typically with a larger down payment and income proof. Arrange a decision in principle early.
Rental and yield
Warsaw, Kraków and Wrocław offer steady long-term rental from students and professionals. Verify any short-term-rental rules and building consent for holiday lets.
Risks and due diligence
- Check the land-and-mortgage register for charges and the legal status.
- Confirm whether a purchase permit is required for your case.
- Review building fees, reserves and condition.
FAQ
Do non-EU buyers need a permit? Often for houses and land, usually not for apartments — confirm your case. What is the transfer tax? 2% (PCC) on resale; VAT is in the price for new developer units. Can I complete remotely? Yes, by power of attorney.
How we help
We coordinate the notary and an independent lawyer, check the register and permit position, and shortlist to your goal. Informational only — not legal or tax advice; confirm current rules.