Buying Property in Poland
Now Poland has joined the EU buying property in Poland for EU
citizens is a process that should not present too many problems.
Several points to consider
- You will need an official translator to read the contract to you.
This will cost between £35 and £80
- You will need to apply for right to buy
You can only buy a home in a completely
straightforward way if you have Polish nationality.
If you do not have Polish nationality and are buying a holiday
home you have to apply for permission from the Polish Home Office
which must be obtained before you complete. Information on how to do
this can be found (in English and Polish) at
However, if you are buying a home to move permanently to Poland
even if you do not have Polish nationality, you do not have to apply
for special permission to purchase real estate but you will have to
apply for permanent residency etc. (information on this also at
The process of buying property in Poland is relatively simple and
easy. If you use an estate agent there will be a fee but generally
they are well worth it and far, far more hardworking and helpful than
their equivalents elsewhere. For example, they can pick you up from
the airport and take you to see the property or to a meeting with the
After viewing a house you can negotiate directly with the owners or
through the estate agent if you use one. Generally, building surveys are
not carried out. You will be able to find out from the deeds when the
house was built and examine what state it is in at present. If you wish
you may ask a building company to come over and quote for any
repairs/renovations before you make an offer (they may charge for this).
Once you have negotiated a price you have to make an appointment with
a notary for the sale to be legally binding - both the buyer and vendor
use the same notary and often all meetings are with all parties present
- this makes sorting out any queries/problems much easier, faster and
cheaper than in other systems, such as the British one. It is customary
for the buyer to cover the notary's fees (which will include all taxes
that have to be paid - the fees are approximately 2% - 2.5% of the total
price). If you are not fluent in Polish (even if your co-buyer is) it is
essential for an official translator to be present - they will translate
the discussion and the documents to you and will be required to sign the
documents also. They typically charge around £30/$50 an hour and can be
found easily in a telephone book (or the notary can arrange one for
The notary will draw up an 'initial contract' which will outline the
details and any conditions that must be met before the sale completes
(e.g. repairs). A deposit will be paid by the buyer, which is
non-refundable unless it is the vendor that pulls out of the sale (it is
possible to stipulate that double the deposit will be paid by the vendor
in case of them pulling out). A date by which the 'final contract' (i.e.
completion) must take place will be stated.
After the initial contract the notary will carry out the necessary
checks/searches and the vendor must supply the appropriate documents. At
the final contract meeting the rest of the money must be exchanged and
the vendor must supply a document drawn from the "council" offices on
that day stating that there are no loans secured on the house. It is
important to note that in Poland loans secured on a property stay with
the property, not the owner, and will thus be passed onto the new owner,
which is why this document is essential.
Once the sale is completed it is customary to spend the rest of the
day with the old owner driving round the electricity/telephone/water
etc. provider offices to change billing details. Unfortunately, this can
rarely be done by telephone or letter.
NB. The team behind meetpoland.com intends the above information to
be used as an initial or supplementary insight. If you intend to
purchase property in Poland it is essential that you do further research
and contact official bodies such as the British or American Embassy in
Poland or the Polish Embassy in your country. We cannot accept any
responsibility for anything arising from this information.
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