{"id":441,"date":"2026-02-13T14:39:08","date_gmt":"2026-02-13T11:39:08","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=441"},"modified":"2026-02-13T14:39:10","modified_gmt":"2026-02-13T11:39:10","slug":"mozhno-li-kupit-kvartiru-v-polshe-bez-vnzh-v-2026-godu","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/mozhno-li-kupit-kvartiru-v-polshe-bez-vnzh-v-2026-godu\/","title":{"rendered":"Is it possible to buy an apartment in Poland without a residence permit in 2026?"},"content":{"rendered":"<p>One of the most frequently asked questions from clients in the CIS countries:<br><strong>is it possible? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buy an apartment in Poland<\/a>, if there is no residence permit or residence card?<\/strong><\/p>\n\n\n\n<p>I&#039;ll answer honestly and without myths:<br><strong>Yes, you can buy an apartment in Poland without a residence permit.<\/strong>.<br>But there are important nuances, especially when it comes to loans.<\/p>\n\n\n\n<p>Let&#039;s sort everything out calmly and factually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible to buy an apartment in Poland without a residence permit?<\/h2>\n\n\n\n<p>In short:<br><strong>Yes, foreigners can buy real estate in Poland without a temporary residence permit or permanent residence permit.<\/strong><\/p>\n\n\n\n<p>This concerns citizens:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ukraine<\/li>\n\n\n\n<li>Belarus<\/li>\n\n\n\n<li>Kazakhstan<\/li>\n\n\n\n<li>and other CIS countries<\/li>\n<\/ul>\n\n\n\n<p>Residence permit or permanent residence card <strong>are not mandatory<\/strong> to purchase an apartment.<\/p>\n\n\n\n<p>You can buy real estate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>for cash<\/li>\n\n\n\n<li>by bank transfer<\/li>\n\n\n\n<li>as an investment<\/li>\n\n\n\n<li>even if you live outside of Poland<\/li>\n<\/ul>\n\n\n\n<p>The main thing is the legal origin of the funds and a passport.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need permission to purchase?<\/h2>\n\n\n\n<p>In most cases, no.<\/p>\n\n\n\n<p>If we are talking about an apartment in a multi-apartment building (blok lub apartament):<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/razreshenie-na-pokupku-nedvizhimosti\/\" data-type=\"page\" data-id=\"20\">permission from the Ministry of Internal Affairs of Poland<\/a> not required.<\/p>\n<\/blockquote>\n\n\n\n<p>Permission is only required in certain cases, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>buying a house with a plot of land<\/li>\n\n\n\n<li>border zone<\/li>\n\n\n\n<li>purchase of land<\/li>\n\n\n\n<li>some categories of real estate<\/li>\n<\/ul>\n\n\n\n<p>But a standard apartment in the city <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">you can buy<\/a> without permission.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible to buy remotely?<\/h2>\n\n\n\n<p>Yes.<br>Many clients buy an apartment while living outside of Poland.<\/p>\n\n\n\n<p>Can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>come to the deal<\/li>\n\n\n\n<li>issue a power of attorney<\/li>\n\n\n\n<li>conduct a transaction remotely through a notary<\/li>\n<\/ul>\n\n\n\n<p>This is a common practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The most important question is a mortgage without a residence permit.<\/h2>\n\n\n\n<p>This is where reality begins.<\/p>\n\n\n\n<p><strong>Get <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage loan<\/a>It&#039;s very difficult without a residence card.<\/strong><\/p>\n\n\n\n<p>The situation in 2026 is as follows:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ukrainians<\/h3>\n\n\n\n<p>At the moment, it&#039;s actually only <strong>Santander Bank<\/strong><br>is actually considering mortgages for Ukrainian citizens without a residence permit.<\/p>\n\n\n\n<p>But under the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable official income<\/li>\n\n\n\n<li>work in Poland<\/li>\n\n\n\n<li>good income history<\/li>\n\n\n\n<li>down payment<\/li>\n\n\n\n<li>individual verification<\/li>\n<\/ul>\n\n\n\n<p>Even for Ukrainians it is not easy, but possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Belarusians<\/h3>\n\n\n\n<p>For Belarusian citizens without a residence card:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage in Poland<\/a> almost impossible.<\/p>\n<\/blockquote>\n\n\n\n<p>Most banks automatically refuse without:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>residence cards<\/li>\n\n\n\n<li>long work experience in Poland<\/li>\n\n\n\n<li>stable status<\/li>\n<\/ul>\n\n\n\n<p>Therefore, purchases are often made with one&#039;s own funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you have a residence card (temporary or permanent)<\/h3>\n\n\n\n<p>Then the situation is much better.<\/p>\n\n\n\n<p>With a residence permit card, banks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more willingly<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"> give a mortgage<\/a><\/li>\n\n\n\n<li>more banks are considering<\/li>\n\n\n\n<li>better conditions<\/li>\n\n\n\n<li>higher chance of approval<\/li>\n<\/ul>\n\n\n\n<p>Without a residence card, it\u2019s almost always cash only.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it worth waiting for a residence permit to buy?<\/h2>\n\n\n\n<p>Not always.<\/p>\n\n\n\n<p>Many people buy an apartment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>immediately at your own expense<\/li>\n\n\n\n<li>as an investment<\/li>\n\n\n\n<li>for change<\/li>\n\n\n\n<li>for future relocation<\/li>\n<\/ul>\n\n\n\n<p>And the residence permit is issued later.<\/p>\n\n\n\n<p>This is normal practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The main conclusion<\/h2>\n\n\n\n<p><strong>In 2026, it will be possible to buy an apartment in Poland without a residence permit.<br>This is legal and absolutely real.<\/strong><\/p>\n\n\n\n<p>But:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It&#039;s almost impossible without a residence card <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage<\/a><\/li>\n\n\n\n<li>Ukrainians sometimes have access to loans from Santander<\/li>\n\n\n\n<li>Belarusians without a residence card have practically no access<\/li>\n\n\n\n<li>purchase most often with one&#039;s own funds<\/li>\n<\/ul>\n\n\n\n<p>Each situation is individual:<br>citizenship, income, purpose of purchase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">To be honest<\/h2>\n\n\n\n<p>Some of my clients buy without a residence permit.<br>This is a common practice.<\/p>\n\n\n\n<p>But before buying, it is always better to understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Is it possible to take out a loan?<\/a><\/li>\n\n\n\n<li><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\">How to transfer money<\/a><\/li>\n\n\n\n<li>which object to choose<\/li>\n\n\n\n<li>Where is it safer to buy?<\/li>\n<\/ul>\n\n\n\n<p>If you are planning to buy an apartment in Poland and are not sure whether you can do this without a residence permit, <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">You can write to me.<br>I will give you honest advice based on your situation and tell you real options without illusions.<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041e\u0434\u0438\u043d \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u0447\u0430\u0441\u0442\u044b\u0445 \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u0432 \u043e\u0442 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0438\u0437 \u0441\u0442\u0440\u0430\u043d \u0421\u041d\u0413:\u043c\u043e\u0436\u043d\u043e \u043b\u0438 \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435, \u0435\u0441\u043b\u0438 \u043d\u0435\u0442 \u0412\u041d\u0416 \u0438\u043b\u0438 \u043a\u0430\u0440\u0442\u044b<\/p>","protected":false},"author":1,"featured_media":442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-441","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\/441","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=441"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/441\/revisions"}],"predecessor-version":[{"id":443,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/441\/revisions\/443"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/442"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}