Is it possible to buy an apartment in Poland without a residence permit in 2026?

One of the most frequently asked questions from clients in the CIS countries:
is it possible? Buy an apartment in Poland, if there is no residence permit or residence card?

I'll answer honestly and without myths:
Yes, you can buy an apartment in Poland without a residence permit..
But there are important nuances, especially when it comes to loans.

Let's sort everything out calmly and factually.

Is it possible to buy an apartment in Poland without a residence permit?

In short:
Yes, foreigners can buy real estate in Poland without a temporary residence permit or permanent residence permit.

This concerns citizens:

• Ukraine
• Belarus
• Kazakhstan
• and other CIS countries

Residence permit or permanent residence card are not mandatory to purchase an apartment.

You can buy real estate:

• for cash
• by bank transfer
• as an investment
• even if you live outside of Poland

The main thing is the legal origin of the funds and a passport.

Do you need permission to purchase?

In most cases, no.

If we are talking about an apartment in a multi-apartment building (blok lub apartament):

permission from the Ministry of Internal Affairs of Poland not required.

Permission is only required in certain cases, for example:

• buying a house with a plot of land
• border zone
• purchase of land
• some categories of real estate

But a standard apartment in the city you can buy without permission.

Is it possible to buy remotely?

Yes.
Many clients buy an apartment while living outside of Poland.

Can:

• come to the deal
• issue a power of attorney
• conduct a transaction remotely through a notary

This is a common practice.

The most important question is a mortgage without a residence permit.

This is where reality begins.

Get mortgage loanIt's very difficult without a residence card.

The situation in 2026 is as follows:

Ukrainians

At the moment, it's actually only Santander Bank
is actually considering mortgages for Ukrainian citizens without a residence permit.

But under the following conditions:

• stable official income
• work in Poland
• good income history
• down payment
• individual verification

Even for Ukrainians it is not easy, but possible.

Belarusians

For Belarusian citizens without a residence card:

get a mortgage in Poland almost impossible.

Most banks automatically refuse without:

• residence cards
• long work experience in Poland
• stable status

Therefore, purchases are often made with one's own funds.

If you have a residence card (temporary or permanent)

Then the situation is much better.

With a residence permit card, banks:

• more willingly give a mortgage
• more banks are considering
• better conditions
• higher chance of approval

Without a residence card, it’s almost always cash only.

Is it worth waiting for a residence permit to buy?

Not always.

Many people buy an apartment:

• immediately at your own expense
• as an investment
• for change
• for future relocation

And the residence permit is issued later.

This is normal practice.

The main conclusion

In 2026, it will be possible to buy an apartment in Poland without a residence permit.
This is legal and absolutely real.

But:

• It's almost impossible without a residence card get a mortgage
• Ukrainians sometimes have access to loans from Santander
• Belarusians without a residence card have practically no access
• purchase most often with one's own funds

Each situation is individual:
citizenship, income, purpose of purchase.

To be honest

Some of my clients buy without a residence permit.
This is a common practice.

But before buying, it is always better to understand:

• Is it possible to take out a loan?
• How to transfer money
• which object to choose
• Where is it safer to buy?

If you are planning to buy an apartment in Poland and are not sure whether you can do this without a residence permit, You can write to me.
I will give you honest advice based on your situation and tell you real options without illusions.