{"id":406,"date":"2026-02-03T17:30:19","date_gmt":"2026-02-03T14:30:19","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=406"},"modified":"2026-02-03T17:30:21","modified_gmt":"2026-02-03T14:30:21","slug":"kak-kupit-kvartiru-v-polshe-poshagovaya-instrukcziya-dlya-pokupatelej","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/kak-kupit-kvartiru-v-polshe-poshagovaya-instrukcziya-dlya-pokupatelej\/","title":{"rendered":"How to Buy an Apartment in Poland: A Step-by-Step Guide for Buyers"},"content":{"rendered":"<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying an apartment in Poland<\/a> \u2014 it&#039;s a clear and transparent process if you know all the steps in advance. In this article, you&#039;ll find <strong>detailed step-by-step instructions<\/strong>, you will learn about <strong>real expenses<\/strong>, documents, typical mistakes and important nuances, especially if you <strong>foreigner<\/strong>.<\/p>\n\n\n\n<p>This article will be useful for those who are buying a home. <strong>for living, investment or rental<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 1. Who can buy an apartment in Poland?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Citizens of Poland and the EU<\/h3>\n\n\n\n<p>Citizens of Poland and EU countries can freely purchase apartments and houses without additional permits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Foreigners (non-EU)<\/h3>\n\n\n\n<p>Foreigners <strong>can buy apartments in Poland<\/strong>, but there are important exceptions.<\/p>\n\n\n\n<p>\u2757 <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/razreshenie-na-pokupku-nedvizhimosti\/\" data-type=\"page\" data-id=\"20\">Permission is required<\/a><\/strong>, If:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the property is located in <strong>border zone<\/strong> (pas graniczny);<\/li>\n\n\n\n<li>is bought <strong>house with a plot of land<\/strong>;<\/li>\n\n\n\n<li>is bought <strong>land plot<\/strong>;<\/li>\n\n\n\n<li>\ud83d\udccc <strong>border zone<\/strong> \u2014 this is the territory up to ~15 km from the border (Germany, Russia, Belarus, Ukraine, Czech Republic, Slovakia, Lithuania).<\/li>\n<\/ul>\n\n\n\n<p>Permission is issued <strong>Ministry of Internal Affairs of Poland<\/strong>, the review period is from 3 to 12 months (sometimes longer)<\/p>\n\n\n\n<p>Read more about the resolution in <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/kogda-inostranczu-nuzhno-razreshenie-na-pokupku-nedvizhimosti-v-polshe\/\" data-type=\"post\" data-id=\"381\">this article.<\/a><\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Apartments (mieszkania)<\/strong> in most cities <strong>DO NOT require permission<\/strong>, if the transaction does not include land.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 2: Determine the purchase budget<\/h2>\n\n\n\n<p>It is important to take into account <strong>not only the price of the apartment<\/strong>, but also <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/skrytye-rashody-pri-pokupke-nedvizhimosti-v-polshe-skolko-nuzhno-deneg-na-samom-dele\/\" data-type=\"post\" data-id=\"335\">additional expenses<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Main expenses of the buyer:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>price of the apartment<\/li>\n\n\n\n<li>PCC tax 2% (secondary market only)<\/li>\n\n\n\n<li>notary services<\/li>\n\n\n\n<li>entry in <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/ksiega-wieczysta-chto-eto-takoe-i-pochemu-bez-neyo-nelzya-pokupat-nedvizhimost-v-polshe\/\" data-type=\"post\" data-id=\"352\">ksi\u0119ga wieczysta<\/a><\/li>\n\n\n\n<li>agency commission (if any)<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1 <strong>New building<\/strong> Usually not subject to PCC, as the tax is included in the price (VAT).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 3. Primary or secondary market - <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/panelnye-doma-v-polshe-stoit-li-boyatsya-staroj-zastrojki\/\" data-type=\"post\" data-id=\"361\">what to choose<\/a><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">New building (rynek pierwotny)<\/h3>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>new apartment<\/li>\n\n\n\n<li>no PCC tax<\/li>\n\n\n\n<li>modern standards<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>waiting for change<\/li>\n\n\n\n<li>often without finishing<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Secondary market (rynek wt\u00f3rny)<\/h3>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can move in right away<\/li>\n\n\n\n<li>developed infrastructure<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tax 2%<\/li>\n\n\n\n<li>hidden defects are possible<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Step 4. Checking the apartment and documents<\/h2>\n\n\n\n<p>Before signing any contracts, you must check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/ksiega-wieczysta-chto-eto-takoe-i-pochemu-bez-neyo-nelzya-pokupat-nedvizhimost-v-polshe\/\" data-type=\"post\" data-id=\"352\"><strong>ksi\u0119ga wieczysta<\/strong> <\/a>(real estate registry):\n<ul class=\"wp-block-list\">\n<li>who is the owner<\/li>\n\n\n\n<li>are there any encumbrances?<\/li>\n\n\n\n<li>mortgage<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>absence of debts on czynsz<\/li>\n\n\n\n<li>compliance of footage and layout<\/li>\n<\/ul>\n\n\n\n<p>\u26a0\ufe0f This is one of the most important stages where buyers make mistakes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 5. Umowa przedwst\u0119pna \u2013 preliminary agreement<\/h2>\n\n\n\n<p>The preliminary agreement sets out the terms of the transaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>price<\/li>\n\n\n\n<li>deadlines<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/zadatek-i-zaliczka-pri-pokupke-nedvizhimosti-v-polshe-v-chem-raznicza-i-chto-nuzhno-znat-pokupatelyu\/\" data-type=\"post\" data-id=\"340\">amount of the deposit<\/a><\/li>\n\n\n\n<li>obligations of the parties<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Deposit (zadatek) or advance payment (zaliczka)?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zadatek<\/strong> - If the buyer refuses, the money is lost<\/li>\n\n\n\n<li><strong>Zaliczka<\/strong> \u2014 is coming back<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc 90% transactions are used <strong>zadatek<\/strong> (5\u201310%).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 6. Notary and the main contract (akt notarialny)<\/h2>\n\n\n\n<p>Buying an apartment in Poland <strong>always takes place at a notary&#039;s office<\/strong>.<\/p>\n\n\n\n<p>Notary:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>checks documents<\/li>\n\n\n\n<li>reads out the contract<\/li>\n\n\n\n<li>registers a new owner<\/li>\n<\/ul>\n\n\n\n<p>After signing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the apartment is officially yours<\/li>\n\n\n\n<li>the data is submitted to the court for updating <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/ksiega-wieczysta-chto-eto-takoe-i-pochemu-bez-neyo-nelzya-pokupat-nedvizhimost-v-polshe\/\" data-type=\"post\" data-id=\"352\">ksi\u0119ga wieczysta<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Step 7. Transfer of the apartment<\/h2>\n\n\n\n<p>Compiled <strong>transmission protocol<\/strong> (protok\u00f3\u0142 zdawczo-odbiorczy), where the following are indicated:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>meter readings<\/li>\n\n\n\n<li>condition of the apartment<\/li>\n\n\n\n<li>transferred keys<\/li>\n<\/ul>\n\n\n\n<p>From this moment on, the buyer pays for utilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 9. Common mistakes buyers make<\/h2>\n\n\n\n<p>\u274c Purchase without verification <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/ksiega-wieczysta-chto-eto-takoe-i-pochemu-bez-neyo-nelzya-pokupat-nedvizhimost-v-polshe\/\" data-type=\"post\" data-id=\"352\">ksi\u0119ga wieczysta<\/a><br>\u274c incorrect <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/zadatek-i-zaliczka-pri-pokupke-nedvizhimosti-v-polshe-v-chem-raznicza-i-chto-nuzhno-znat-pokupatelyu\/\" data-type=\"post\" data-id=\"340\">type of deposit<\/a><br>\u274c ignoring the border zone<br>\u274c Lack of translation of the contract for foreigners<br>\u274c an attempt to &quot;save&quot; on specialists<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 10. Do you need a realtor when buying an apartment?<\/h2>\n\n\n\n<p>Good agent:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>checks documents<\/li>\n\n\n\n<li>is negotiating<\/li>\n\n\n\n<li>protects the interests of the buyer<\/li>\n\n\n\n<li>often <strong>saves more than its commission costs<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Especially important when purchasing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>foreigners<\/li>\n\n\n\n<li>for investment purposes<\/li>\n\n\n\n<li>in border regions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Need help buying an apartment in Poland?<\/h2>\n\n\n\n<p>If you don&#039;t want to figure out all the nuances yourself, risk money and waste time -<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\"> <strong>It&#039;s better to go through the purchasing process with professional support<\/strong><\/a>.<\/p>\n\n\n\n<p>I help customers in Poland:<\/p>\n\n\n\n<p>\u2714 find an apartment that suits your needs (for living or investment)<br>\u2714 check documents and <a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/ksiega-wieczysta-chto-eto-takoe-i-pochemu-bez-neyo-nelzya-pokupat-nedvizhimost-v-polshe\/\" data-type=\"post\" data-id=\"352\">ksi\u0119ga wieczysta<\/a><br>\u2714 Assess risks, including <strong>border zones and permits for foreigners<\/strong><br>\u2714 Complete the transaction safely with a notary<br>\u2714 Avoid overpayments and typical buyer mistakes<\/p>\n\n\n\n<p>Working <strong>in the interests of the buyer<\/strong>, I explain all the steps in simple language and support the transaction from the first viewing to receiving the keys.<\/p>\n\n\n\n<p>\ud83d\udce9 <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Contact me<\/a><\/strong>, If you are planning to buy an apartment in Poland or would like to receive advice before starting the process.<br>Even one correct tip at the start can save you thousands of zlotys.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Buying an apartment in Poland is a straightforward and transparent process if you know all the steps in advance. In this article, you&#039;ll find<\/p>","protected":false},"author":1,"featured_media":407,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-406","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\/406","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=406"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/406\/revisions"}],"predecessor-version":[{"id":408,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/406\/revisions\/408"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/407"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}