{"id":330,"date":"2025-12-29T17:16:46","date_gmt":"2025-12-29T14:16:46","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=330"},"modified":"2025-12-29T17:17:40","modified_gmt":"2025-12-29T14:17:40","slug":"chastye-oshibki-pri-pokupke-nedvizhimosti-v-polshe-inostranczami","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/chastye-oshibki-pri-pokupke-nedvizhimosti-v-polshe-inostranczami\/","title":{"rendered":"Common mistakes made by foreigners when buying real estate in Poland"},"content":{"rendered":"<h3 class=\"wp-block-heading\">Realtor experience and practical advice<\/h3>\n\n\n\n<p>Buying real estate in Poland is an important step, especially for foreigners. The market has become more transparent in recent years, but <strong>Mistakes when buying an apartment in Poland<\/strong> still cost a lot: lost money, drawn-out deals, legal problems.<\/p>\n\n\n\n<p>As a practicing realtor working with foreigners all over Poland, I regularly encounter the same situations. In this article, I&#039;ll discuss <strong>The most common mistakes when buying a home in Poland<\/strong> and I will explain how to avoid them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #1: Buying real estate without understanding the legal status and restrictions of the border zone<\/h2>\n\n\n\n<p>One of the biggest mistakes is to start buying, <strong>without figuring out whether MSWiA permission is required<\/strong> (Ministry of Internal Affairs and Administration).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is important for foreigners to know:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Apartments (lokal mieszkalny)<\/strong> in most cases you can buy <strong>without permission<\/strong><\/li>\n\n\n\n<li><strong>Houses with land and plots<\/strong> often require permission<\/li>\n\n\n\n<li><strong>Poland&#039;s border zone<\/strong> \u2014 a separate category with special rules<\/li>\n<\/ul>\n\n\n\n<p>\u2757 <strong>In the border zone<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/razreshenie-na-pokupku-nedvizhimosti\/\"> MSWiA resolution<\/a> required almost always<\/strong>,<br><strong>with the exception of one case<\/strong> - if acquired<br><strong>sp\u00f3\u0142dzielczo-w\u0142asno\u015bciowe prawo do lokalu<\/strong> (cooperative ownership of an apartment).<\/p>\n\n\n\n<p>In practice, many foreigners learn about this already <strong>after signing the preliminary agreement<\/strong>, When:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the deposit has been paid<\/li>\n\n\n\n<li>the terms of the transaction are limited<\/li>\n\n\n\n<li>registration is suspended due to lack of permission<\/li>\n<\/ul>\n\n\n\n<p><strong>Expert advice:<\/strong><br>Before making a deposit, you must check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>type of property right<\/li>\n\n\n\n<li>location of the object (border zone or not)<\/li>\n\n\n\n<li>need for permission <a href=\"https:\/\/www.gov.pl\/web\/mswia\" target=\"_blank\" rel=\"noopener\">MSWiA<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #2: Searching on your own without understanding the Polish market<\/h2>\n\n\n\n<p>Online portals create the illusion of simplicity, but the reality is different:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the price in the ad does not always correspond to the actual cost of the transaction<\/li>\n\n\n\n<li>some of the proposals are not relevant<\/li>\n\n\n\n<li>Some objects have legal restrictions<\/li>\n\n\n\n<li>the liquidity of the area is often overestimated<\/li>\n<\/ul>\n\n\n\n<p>Foreigners without experience:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>overpay<\/li>\n\n\n\n<li>buy properties that are difficult to resell<\/li>\n\n\n\n<li>do not take into account the real prospects of the area<\/li>\n<\/ul>\n\n\n\n<p><strong>The real estate market in Poland operates differently than in the CIS countries.<\/strong>, and without knowledge of local specifics it is easy to make a mistake.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"638\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/oshibki-pri-pokupke-kvartiry-v-polshe.jpg\" alt=\"An article about mistakes when buying an apartment in Poland\" class=\"wp-image-331\" title=\"Mistakes to make when buying an apartment in Poland\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/oshibki-pri-pokupke-kvartiry-v-polshe.jpg 960w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/oshibki-pri-pokupke-kvartiry-v-polshe-300x199.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/oshibki-pri-pokupke-kvartiry-v-polshe-768x510.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/oshibki-pri-pokupke-kvartiry-v-polshe-18x12.jpg 18w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #3: Lack of a full legal review of the property<\/h2>\n\n\n\n<p>Even a visually perfect apartment can have problems:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>encumbrances in ksi\u0119ga wieczysta<\/li>\n\n\n\n<li>debts for czynsz<\/li>\n\n\n\n<li>unauthorized redevelopment<\/li>\n\n\n\n<li>disputes between owners<\/li>\n<\/ul>\n\n\n\n<p>It is important to understand: <strong>The notary does not check the property in the interests of the buyer<\/strong>, he only formalizes the deal.<\/p>\n\n\n\n<p><strong>Conclusion:<\/strong><br>Legal due diligence is a mandatory step, especially when <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">purchasing real estate<\/a> on the secondary market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #4: Underestimating additional expenses, especially with a mortgage<\/h2>\n\n\n\n<p>Many buyers consider only the cost of the apartment, forgetting that the final budget is always higher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Standard additional costs:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PCC 2% tax (secondary market)<\/li>\n\n\n\n<li>notary services<\/li>\n\n\n\n<li>wpis do ksi\u0119gi wieczystej<\/li>\n\n\n\n<li>agency commission<\/li>\n\n\n\n<li>sworn translator<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Additional costs when <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">purchase with a mortgage<\/a>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>real estate valuation (operat szacunkowy)<\/strong><\/li>\n\n\n\n<li><strong>compulsory property insurance<\/strong><\/li>\n\n\n\n<li>life insurance (often a bank requirement)<\/li>\n\n\n\n<li>bank fees<\/li>\n<\/ul>\n\n\n\n<p><strong>Advice:<\/strong><br>Buying real estate in Poland should be viewed as a financial project, not as a price in an advert.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe-1024x682.jpg\" alt=\"mistakes\" class=\"wp-image-332\" title=\"purchase costs\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe-1024x682.jpg 1024w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe-300x200.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe-768x512.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe-18x12.jpg 18w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-pokupku-kvartiry-v-polshe.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #5: Buying an apartment &quot;on impulse&quot;\u00ab<\/h2>\n\n\n\n<p>The phrase &quot;take it before it&#039;s gone&quot; is a common accompaniment to mistakes. Without analysis:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>district<\/li>\n\n\n\n<li>infrastructure<\/li>\n\n\n\n<li>liquidity<\/li>\n\n\n\n<li>demand for rent<\/li>\n<\/ul>\n\n\n\n<p>After some time it becomes clear that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the apartment is difficult to sell<\/li>\n\n\n\n<li>the rent does not bring the expected income<\/li>\n\n\n\n<li>the object does not meet real needs<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #6: Not understanding the difference between the primary and secondary markets<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Primary market:<\/h3>\n\n\n\n<p>\u2714 Developer guarantees<br>\u2714 installment plans<br>\u2716 waiting for change<br>\u2716 additional finishing costs<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Secondary market:<\/h3>\n\n\n\n<p>\u2714 You can move in immediately<br>\u2714 often the best location<br>\u2716 PCC tax<br>\u2716 increased legal risks<\/p>\n\n\n\n<p>The choice should depend on the purpose: <strong>life, investment or rent<\/strong>, and not just on the price.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #7: Lack of a Buying Strategy<\/h2>\n\n\n\n<p>Buying a property without a clear plan is one of the most expensive mistakes you can make.<\/p>\n\n\n\n<p>Before making a deal, it is important to answer the following questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">purchase for living or investment<\/a>?<\/li>\n\n\n\n<li>Is it possible to resell after a few years?<\/li>\n\n\n\n<li>How will the property perform on the rental market?<\/li>\n<\/ul>\n\n\n\n<p><strong>Real estate in Poland is a strategy, not an impulse decision.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to avoid mistakes when buying real estate in Poland<\/h2>\n\n\n\n<p>In my experience, the best results are achieved by clients who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>work with one expert from start to finish<\/li>\n\n\n\n<li>understand the legal and financial nuances in advance<\/li>\n\n\n\n<li>make decisions based on analysis, not emotion<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why foreigners choose rutkowskihome.pl<\/h2>\n\n\n\n<p>I accompany customers <strong>at all stages of the transaction<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">selection of real estate for the purpose<\/a><\/li>\n\n\n\n<li>document verification<\/li>\n\n\n\n<li>negotiations with the seller<\/li>\n\n\n\n<li>accompaniment at the notary&#039;s office<\/li>\n\n\n\n<li>assistance after purchase<\/li>\n<\/ul>\n\n\n\n<p>My job is to explain complex Polish rules. <strong>in plain language<\/strong> and protect the client&#039;s interests.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udccc Planning to buy real estate in Poland?<\/h2>\n\n\n\n<p>If you want to avoid mistakes, unnecessary expenses and legal risks -<br><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">contact me<\/a> through the website <strong>rutkowskihome.pl<\/strong>.<\/p>\n\n\n\n<p>A competent consultation at the start saves money <strong>money, time and nerves<\/strong>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041e\u043f\u044b\u0442 \u0440\u0438\u044d\u043b\u0442\u043e\u0440\u0430 \u0438 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0441\u043e\u0432\u0435\u0442\u044b \u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u2014 \u0432\u0430\u0436\u043d\u044b\u0439 \u0448\u0430\u0433, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0434\u043b\u044f \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u0435\u0432. \u0417\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b \u0440\u044b\u043d\u043e\u043a \u0441\u0442\u0430\u043b<\/p>","protected":false},"author":1,"featured_media":334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-o-nedvizhimosti"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=330"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/330\/revisions"}],"predecessor-version":[{"id":333,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/330\/revisions\/333"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/334"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}