{"id":419,"date":"2026-02-06T11:05:27","date_gmt":"2026-02-06T08:05:27","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=419"},"modified":"2026-02-06T11:05:28","modified_gmt":"2026-02-06T08:05:28","slug":"artykul-777-pri-pokupke-nedvizhimosti-v-polshe-chto-eto-i-zachem-on-nuzhen-v-notarialnom-dogovore","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/artykul-777-pri-pokupke-nedvizhimosti-v-polshe-chto-eto-i-zachem-on-nuzhen-v-notarialnom-dogovore\/","title":{"rendered":"Article 777 when buying real estate in Poland: what it is and why it is needed in a notarial deed"},"content":{"rendered":"<p>When buying an apartment or house in Poland from a notary, you will always hear the phrase:<br><strong>\u201epoddanie si\u0119 egzekucji na podstawie art. 777 kpc\u201d<\/strong><\/p>\n\n\n\n<p>For many buyers, this is an unclear legal term.<br>But exactly <strong>artyku\u0142 777<\/strong> \u2014 one of the main protection mechanisms in real estate transactions.<\/p>\n\n\n\n<p>Let&#039;s look at it in detail:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is Article 777?<\/li>\n\n\n\n<li>how does it work<\/li>\n\n\n\n<li>how to protect buyers and sellers<\/li>\n\n\n\n<li>Does 100% always provide protection?<\/li>\n\n\n\n<li>when applied<\/li>\n\n\n\n<li>when she&#039;s not there<\/li>\n\n\n\n<li>What kind of scams were there before?<\/li>\n\n\n\n<li>Why do notaries include it in contracts?<\/li>\n<\/ul>\n\n\n\n<p>A complete guide for property buyers in Poland.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What is artyku\u0142 777 in Poland?<\/h1>\n\n\n\n<p><strong>Artyku\u0142 777 Kodeksu post\u0119powania cywilnego<\/strong> \u2014 this is a section of the law that allows for immediate enforcement of debt collection through the courts without a lengthy legal process.<\/p>\n\n\n\n<p>In simple terms:<\/p>\n\n\n\n<p>\ud83d\udc49 the party voluntarily agrees to possible forced collection<br>\ud83d\udc49 The notarial deed becomes an enforceable document<br>\ud83d\udc49 You can quickly collect money or evict<\/p>\n\n\n\n<p>This is a powerful legal defense tool.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Where is article 777 used in real estate?<\/h1>\n\n\n\n<p>Most often in a notarized purchase and sale agreement (akt notarialny).<\/p>\n\n\n\n<p>Applies if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there is a payment deferment<\/li>\n\n\n\n<li>payment in installments<\/li>\n\n\n\n<li>The seller is waiting for money from the bank<\/li>\n\n\n\n<li>the buyer has already received the keys<\/li>\n\n\n\n<li>the seller remains alive after the sale<\/li>\n\n\n\n<li>installment plan<\/li>\n\n\n\n<li>investment transactions<\/li>\n<\/ul>\n\n\n\n<p>The notary always suggests including this clause.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How Article 777 Works \u2013 in Plain English<\/h1>\n\n\n\n<p>The article allows a party to a transaction to:<\/p>\n\n\n\n<p><strong>don&#039;t file a lengthy lawsuit<\/strong>,<br>and go straight to the bailiff (komornik).<\/p>\n\n\n\n<p>But first you need to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Obtain from the court klauzula wykonalno\u015bci<\/li>\n\n\n\n<li>Hand the matter over to the chamberlain<\/li>\n<\/ol>\n\n\n\n<p>It takes weeks, not years.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How article 777 protects the seller<\/h1>\n\n\n\n<p>The most common situation is seller protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<p>The apartment has been sold.<br>The buyer must pay the rest after some time from the loan.<\/p>\n\n\n\n<p>If he doesn&#039;t pay:<\/p>\n\n\n\n<p>\u2714 The seller goes to court<br>\u2714 gets klauzula wykonalno\u015bci<br>\u2714 goes to the keeper<br>\u2714 collects money<\/p>\n\n\n\n<p>Without a long trial for years.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How to protect the buyer<\/h1>\n\n\n\n<p>Used less frequently, but also important.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For example<\/h3>\n\n\n\n<p>The seller received the money<br>but does not move out of the apartment.<\/p>\n\n\n\n<p>If the contract contains art. 777:<\/p>\n\n\n\n<p>\u2714 You can evict quickly<br>\u2714 without a long trial<br>\u2714 via komornika<\/p>\n\n\n\n<p>Also applies if the seller does not transfer the property.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it always artyku\u0142 777 = 100% protection<\/h1>\n\n\n\n<p>No. It&#039;s a strong defense, but not absolute.<\/p>\n\n\n\n<p>What it gives:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>accelerated collection<\/li>\n\n\n\n<li>legal pressure<\/li>\n\n\n\n<li>the possibility of a chambermaid<\/li>\n<\/ul>\n\n\n\n<p>But if the debtor has no money or property,<br>there is nothing to collect.<\/p>\n\n\n\n<p>Also:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there may be appeals<\/li>\n\n\n\n<li>the procedures still take time<\/li>\n\n\n\n<li>does not protect the party from bankruptcy<\/li>\n<\/ul>\n\n\n\n<p>It&#039;s a speed-up tool, not magic.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When is it necessary to make artyku\u0142 777<\/h1>\n\n\n\n<p>Almost always if:<\/p>\n\n\n\n<p>\u2714 payment after the transaction<br>\u2714 <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a><br>\u2714 installment plan<br>\u2714 Keys will be handed over before payment<br>\u2714 The seller remains alive<br>\u2714 investment transactions<br>\u2714 flip deals<\/p>\n\n\n\n<p>Without it, such transactions are risky.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When they may not do it<\/h1>\n\n\n\n<p>Sometimes not needed if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% payment at the notary immediately<\/li>\n\n\n\n<li>immediate key transfer<\/li>\n\n\n\n<li>empty apartment<\/li>\n\n\n\n<li>cash<\/li>\n<\/ul>\n\n\n\n<p>But even then they often add.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When did artyku\u0142 777 appear?<\/h1>\n\n\n\n<p>The mechanism itself has long existed in Polish law.<br>But it began to be actively used in real estate around:<\/p>\n\n\n\n<p>\ud83d\udc49 since the 2000s<br>\ud83d\udc49 massively \u2014 the last 10\u201315 years<\/p>\n\n\n\n<p>Today this is the market standard.<\/p>\n\n\n\n<p>Almost every mortgage transaction contains this clause.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What was there before active use?<\/h1>\n\n\n\n<p>Previously, if the buyer did not pay:<\/p>\n\n\n\n<p>\u274c years of courts<br>\u274c separate process<br>\u274c then a writ of execution<br>\u274c then the chamberlain<\/p>\n\n\n\n<p>This could take 2-4 years.<\/p>\n\n\n\n<p>Frauds were more common:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bought without full payment<\/li>\n\n\n\n<li>were tightening<\/li>\n\n\n\n<li>the seller waited for years<\/li>\n<\/ul>\n\n\n\n<p>Today, art. 777 has significantly reduced the risks.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Real fraud schemes of the past<\/h1>\n\n\n\n<p>Before mass use of the article:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scheme 1<\/h3>\n\n\n\n<p>The buyer signed the deed<br>paid part<br>I promised the rest<\/p>\n\n\n\n<p>Then he disappeared.<br>Court 3 years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scheme 2<\/h3>\n\n\n\n<p>The seller was selling<br>received money<br>didn&#039;t move out<\/p>\n\n\n\n<p>Eviction through court for 2 years.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What does the clause in the contract look like?<\/h1>\n\n\n\n<p>A notarial deed usually contains:<\/p>\n\n\n\n<p><strong>\u201eKupuj\u0105cy poddaje si\u0119 egzekucji na podstawie art. 777 kpc...\u201d<\/strong><\/p>\n\n\n\n<p>or<br><strong>\u201eSprzedaj\u0105cy poddaje si\u0119 egzekucji...\u201d<\/strong><\/p>\n\n\n\n<p>The notary explains upon signing.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Should I agree?<\/h1>\n\n\n\n<p>In 95% cases - yes.<\/p>\n\n\n\n<p>This is standard practice.<br>Refusal may raise questions from the other party.<\/p>\n\n\n\n<p>The only important thing is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>read the sum<\/li>\n\n\n\n<li>deadlines<\/li>\n\n\n\n<li>conditions<\/li>\n\n\n\n<li>limits of liability<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">What to look out for<\/h1>\n\n\n\n<p>Check:<\/p>\n\n\n\n<p>\u2714 What is the amount of subordination?<br>\u2714 Until what date?<br>\u2714 What are the launch conditions?<br>\u2714 who obeys<br>\u2714 Is there a limit?<\/p>\n\n\n\n<p>Sometimes they make it with a reserve (for example, 150% amounts).<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Result<\/h1>\n\n\n\n<p><strong>Artyku\u0142 777<\/strong> \u2014 one of the most important points in a notarial agreement <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">purchase and sale of real estate in Poland.<\/a><\/p>\n\n\n\n<p>He:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>speeds up collection<\/li>\n\n\n\n<li>protects both sides<\/li>\n\n\n\n<li>reduces fraud<\/li>\n\n\n\n<li>has become the market standard<\/li>\n<\/ul>\n\n\n\n<p>But this is not an absolute guarantee.<br>This is a tool for quick legal protection.<\/p>\n\n\n\n<p>Before signing, it is always worth reading this clause carefully and understanding its consequences.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Looking for a safe way to buy property in Poland?<\/h1>\n\n\n\n<p>We support transactions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>document verification<\/li>\n\n\n\n<li>negotiation<\/li>\n\n\n\n<li>protection in the contract<\/li>\n\n\n\n<li>investments<\/li>\n\n\n\n<li>purchase for foreigners<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Write to us and we&#039;ll handle the transaction safely, from viewing to delivery.<\/a>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>When buying an apartment or house in Poland from a notary, you will always hear the phrase: \u201epoddanie si\u0119 egzekucji na podstawie art. 777 kpc\u201d<\/p>","protected":false},"author":1,"featured_media":420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-419","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\/419","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=419"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/419\/revisions"}],"predecessor-version":[{"id":421,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/419\/revisions\/421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/420"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}