{"id":431,"date":"2026-02-11T11:13:09","date_gmt":"2026-02-11T08:13:09","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=431"},"modified":"2026-02-11T11:13:10","modified_gmt":"2026-02-11T08:13:10","slug":"7-oshibok-pri-pokupke-kvartiry-v-polshe-kotorye-sovershayut-90-inostranczev","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/7-oshibok-pri-pokupke-kvartiry-v-polshe-kotorye-sovershayut-90-inostranczev\/","title":{"rendered":"7 Mistakes Foreigners Make When Buying an Apartment in Poland"},"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 for foreigners<\/a> \u2014 the process is clear and safe.<br>But in practice, I regularly see the same mistakes made by buyers from the CIS countries.<\/p>\n\n\n\n<p>Some of them cost nerves, others tens of thousands of euros.<br>I&#039;ll tell you honestly and without sugar what to pay attention to.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #1: Buying an apartment without checking the documents<\/h2>\n\n\n\n<p>Many people think:<br>If the apartment is sold through an agency, everything has been checked.<\/p>\n\n\n\n<p>This is not always the case.<\/p>\n\n\n\n<p>Before purchasing, be sure to 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\">ksi\u0119ga wieczysta<\/a> (land register)<\/li>\n\n\n\n<li>presence of debts<\/li>\n\n\n\n<li>mortgage<\/li>\n\n\n\n<li>arrests<\/li>\n\n\n\n<li>registered residents<\/li>\n\n\n\n<li>land status<\/li>\n<\/ul>\n\n\n\n<p>Sometimes an apartment looks perfect, but legally it can be problematic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #2: Not factoring in all expenses when purchasing<\/h2>\n\n\n\n<p>Most people only consider the price of the apartment.<br>And then they wonder why they need a few more thousand euros.<\/p>\n\n\n\n<p><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\">Real additional costs<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>notary<\/li>\n\n\n\n<li>PCC 2% tax (secondary market)<\/li>\n\n\n\n<li>realtor services<\/li>\n\n\n\n<li>translator during a transaction<\/li>\n\n\n\n<li>paperwork<\/li>\n\n\n\n<li>sometimes repairs<\/li>\n<\/ul>\n\n\n\n<p>On average, you need to lay down <strong>+2\u20136% to the price of the apartment<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #3: Bringing money without proof of origin<\/h2>\n\n\n\n<p>A very common situation.<\/p>\n\n\n\n<p>People sell an apartment in their own country, bring cash and think that everything is simple.<br>And then the bank asks:<br><strong>\u00ab<a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/legalizacziya-sredstv-iz-za-graniczy-v-polshe-chto-nuzhno-znat-pri-pokupke-nedvizhimosti\/\" data-type=\"post\" data-id=\"428\">Where do the funds come from?<\/a>?\u00bb<\/strong><\/p>\n\n\n\n<p>If there are no documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It&#039;s difficult to deposit money into the bank<\/li>\n\n\n\n<li>it&#039;s difficult to pay for the apartment<\/li>\n\n\n\n<li>there may be questions from the bank<\/li>\n<\/ul>\n\n\n\n<p>The main rule:<br><strong>Always have documents proving the origin of funds.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #4: Transferring a deposit without verification<\/h2>\n\n\n\n<p>Sometimes the buyer gives a deposit verbally or with a simple receipt.<\/p>\n\n\n\n<p>It&#039;s risky.<\/p>\n\n\n\n<p><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\">Deposit (zadatek) <\/a>need to transfer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>under contract<\/li>\n\n\n\n<li>after checking the apartment<\/li>\n\n\n\n<li>with clear return conditions<\/li>\n<\/ul>\n\n\n\n<p>Otherwise, you may lose money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #5: Buying without understanding the area<\/h2>\n\n\n\n<p>Many people buy remotely or based on beautiful photos.<\/p>\n\n\n\n<p>And then it turns out:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>noisy street<\/li>\n\n\n\n<li>social district<\/li>\n\n\n\n<li>parking problems<\/li>\n\n\n\n<li>transport is far away<\/li>\n\n\n\n<li>bad rent<\/li>\n<\/ul>\n\n\n\n<p>The apartment may be nice, but the neighborhood is not.<\/p>\n\n\n\n<p>If you are buying it as an investment, this is critical.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #6: Opening an account at the last minute<\/h2>\n\n\n\n<p>Without a Polish bank account, the transaction is almost impossible.<\/p>\n\n\n\n<p>Errors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>do not open an account in advance<\/li>\n\n\n\n<li>fail to prepare documents for the money<\/li>\n\n\n\n<li>do not clarify bank limits<\/li>\n<\/ul>\n\n\n\n<p>It is better to open an account 2-3 weeks before the transaction and prepare the transfers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mistake #7: Trying to do everything yourself<\/h2>\n\n\n\n<p>The most expensive mistake.<\/p>\n\n\n\n<p>Buyers think:<br>\u00ab&quot;Why do I need a realtor? I&#039;ll do everything myself.&quot;.<\/p>\n\n\n\n<p>In summary:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>overpay<\/li>\n\n\n\n<li>buy problematic apartments<\/li>\n\n\n\n<li>don&#039;t know the real prices<\/li>\n\n\n\n<li>risk money<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">A good specialist <\/a>saves more than it costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Poland is a safe and understandable country for buying real estate.<br>But only if you do everything right.<\/p>\n\n\n\n<p>Main rules:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>check documents<\/li>\n\n\n\n<li>count all expenses<\/li>\n\n\n\n<li>have <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/legalizacziya-sredstv-iz-za-graniczy-v-polshe-chto-nuzhno-znat-pri-pokupke-nedvizhimosti\/\" data-type=\"post\" data-id=\"428\">confirmation of origin of funds<\/a><\/li>\n\n\n\n<li>take your time<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">consult a specialist<\/a><\/li>\n<\/ul>\n\n\n\n<p>Then buying an apartment in Poland will be smooth and without any unpleasant surprises.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u044b \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u0434\u043b\u044f \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u0435\u0432 \u2014 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u043f\u043e\u043d\u044f\u0442\u043d\u044b\u0439 \u0438 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u044b\u0439.\u041d\u043e \u043d\u0430 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435 \u044f \u0440\u0435\u0433\u0443\u043b\u044f\u0440\u043d\u043e \u0432\u0438\u0436\u0443 \u043e\u0434\u043d\u0438 \u0438 \u0442\u0435 \u0436\u0435<\/p>","protected":false},"author":1,"featured_media":432,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-431","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\/431","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=431"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/431\/revisions"}],"predecessor-version":[{"id":433,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/431\/revisions\/433"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/432"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=431"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=431"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=431"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}