{"id":5207,"date":"2025-08-11T12:50:19","date_gmt":"2025-08-11T10:50:19","guid":{"rendered":"https:\/\/progressholding.pl\/pl\/?p=5207"},"modified":"2025-08-12T13:02:36","modified_gmt":"2025-08-12T11:02:36","slug":"kredyt-hipoteczny-w-polsce-dla-cudzoziemcow-kompletny-przewodnik-2025","status":"publish","type":"post","link":"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/","title":{"rendered":"Mortgage in Poland for Foreigners: Complete Guide 2025"},"content":{"rendered":"<p><\/p>\n<nav>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#table-of-contents\" >Table of Contents<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#who-is-eligible-for-a-mortgage-in-poland\" >Who is Eligible for a&nbsp;Mortgage in Poland?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#basic-requirements-for-foreign-borrowers\" >Basic Requirements for Foreign Borrowers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#mortgage-conditions-for-foreigners-in-poland\" >Mortgage Conditions for Foreigners in Poland<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#1-legal-residence-documentation\" >1. Legal Residence Documentation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#2-proof-of-stable-income\" >2. Proof of Stable Income<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#types-of-income-verification\" >Types of Income Verification:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#3-additional-conditions-for-foreigners\" >3. Additional Conditions for Foreigners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#4-loan-amount-calculation\" >4. Loan Amount Calculation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#5-age-and-loan-currency\" >5. Age and Loan Currency<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#required-documents\" >Required Documents<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#basic-document-package\" >Basic Document Package:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#mortgage-application-process\" >Mortgage Application Process<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#step-by-step-instructions\" >Step-by-Step Instructions:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#loan-amount-and-interest-rates\" >Loan Amount and Interest Rates<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#types-of-interest-rates\" >Types of Interest Rates<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#insurance\" >Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#types-of-mortgage-insurance\" >Types of Mortgage Insurance<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#property-insurance\" >Property Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#borrowers-life-insurance\" >Borrower&#8217;s Life Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#insurance-costs\" >Insurance Costs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#costs-associated-with-mortgage-loan-in-poland\" >Costs Associated with Mortgage Loan in Poland<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#main-cost-items\" >Main Cost Items:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#property-purchase-process-in-poland-main-stages\" >Property Purchase Process in Poland: Main Stages<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#property-purchase-stages\" >Property Purchase Stages:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#who-can-help-with-property-purchase-in-poland\" >Who Can Help with Property Purchase in Poland<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#specialists-for-consultation\" >Specialists for Consultation:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/progressholding.pl\/en\/mortgage-in-poland-for-foreigners-complete-guide-2025\/#conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"table-of-contents\"><\/span>Table of Contents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><a href=\"#mortgage-eligibility\">Who is Eligible for a&nbsp;Mortgage<\/a><\/li>\n<li><a href=\"#loan-conditions\">Mortgage Loan Conditions<\/a><\/li>\n<li><a href=\"#required-documents\">Required Documents for Application<\/a><\/li>\n<li><a href=\"#application-process\">Step-by-Step Application Process<\/a><\/li>\n<li><a href=\"#loan-amount-rates\">Loan Amount and Interest Rates<\/a><\/li>\n<li><a href=\"#mortgage-insurance\">Mortgage Insurance<\/a><\/li>\n<li><a href=\"#mortgage-costs\">Costs Associated with Mortgage<\/a><\/li>\n<li><a href=\"#property-purchase\">Property Purchase Process<\/a><\/li>\n<li><a href=\"#professional-help\">Professional Help with Purchase<\/a><\/li>\n<\/ul>\n<\/nav>\n<p>Poland is becoming an increasingly popular destination for <strong>property purchases by foreigners<\/strong>. However, obtaining a&nbsp;<strong>mortgage in Poland for non-residents<\/strong> has its specific features that need to be considered. Let&#8217;s examine who among foreigners is eligible for a&nbsp;mortgage, what are the conditions for obtaining it, what documents need to be provided, and what is the procedure for getting a&nbsp;<strong>mortgage loan<\/strong>.<\/p>\n<h2 id=\"mortgage-eligibility\"><span class=\"ez-toc-section\" id=\"who-is-eligible-for-a-mortgage-in-poland\"><\/span>Who is Eligible for a&nbsp;Mortgage in Poland?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The right to obtain a&nbsp;<strong>mortgage loan in Poland<\/strong> is available not only to Polish citizens but also to <strong>foreigners<\/strong> who meet certain criteria. The key factor is proving <strong>stable and sufficient income<\/strong> to cover monthly loan payments. Banks also pay attention to:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"basic-requirements-for-foreign-borrowers\"><\/span>Basic Requirements for Foreign Borrowers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Legal residence in Poland<\/strong>. Usually, a&nbsp;<strong>residence permit (karta pobytu)<\/strong> or other legal basis for long-term residence is required. A temporary visa is typically insufficient. Residence duration requirements vary depending on the bank and lending program.<\/li>\n<li><strong>Credit history<\/strong>. While having a&nbsp;credit history in Poland is an advantage, some banks are willing to consider applications from foreigners with a&nbsp;positive credit history in their country of origin.<\/li>\n<li><strong>Purpose of the loan<\/strong>. The loan must be intended for purchasing <strong>property in Poland<\/strong>.<\/li>\n<li><strong>Down payment<\/strong>: As in most countries, banks require a&nbsp;down payment, usually ranging from <strong>10% to 30%<\/strong> of the property value.<\/li>\n<\/ul>\n<h2 id=\"loan-conditions\"><span class=\"ez-toc-section\" id=\"mortgage-conditions-for-foreigners-in-poland\"><\/span>Mortgage Conditions for Foreigners in Poland<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The conditions for obtaining a&nbsp;<strong>mortgage for foreigners<\/strong> may be stricter than for Polish citizens. Banks most often require the following from non-residents:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1-legal-residence-documentation\"><\/span>1. Legal Residence Documentation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The main requirement of virtually all banks is having a&nbsp;document confirming <strong>legal residence in Poland<\/strong>. This can be:<\/p>\n<ul>\n<li><strong>Temporary residence card (Karta czasowego pobytu)<\/strong>, issued for up to 3 years<\/li>\n<li><strong>Permanent residence card (Karta sta\u0142ego pobytu)<\/strong>, providing indefinite residence rights but requiring renewal every 10 years<\/li>\n<\/ul>\n<p>When concluding a&nbsp;mortgage, banks prefer clients with <strong>long-term residence permits<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2-proof-of-stable-income\"><\/span>2. Proof of Stable Income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The second important condition is proof of <strong>stable income for foreign citizens<\/strong>, sufficient to service the loan. This document would be an income certificate for the last 3-6 months. Income can also be confirmed through:<\/p>\n<h4><span class=\"ez-toc-section\" id=\"types-of-income-verification\"><\/span>Types of Income Verification:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li><strong>Employment contract (Umowa o&nbsp;prac\u0119)<\/strong>. In this case, banks prefer candidates with indefinite-term contracts.<\/li>\n<li><strong>Civil law contracts (Umowa zlecenie, Umowa o&nbsp;dzie\u0142o)<\/strong>. Not every bank is willing to accept them due to their temporary nature.<\/li>\n<li><strong>Own business<\/strong>. Income from business activities can also be accepted by the bank. However, the business must have been operating for at least 12-24 months and have no tax debts.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3-additional-conditions-for-foreigners\"><\/span>3. Additional Conditions for Foreigners<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Higher down payment<\/strong> &#8211; due to increased risks associated with non-residents, the bank may request a&nbsp;larger down payment.<\/li>\n<li><strong>Higher interest rate<\/strong>. The interest rate may be 0.5-1% higher than for Polish citizens.<\/li>\n<li><strong>Additional guarantees<\/strong>. The bank may require additional guarantees, such as a&nbsp;guarantee from a&nbsp;Polish resident or collateral on other property.<\/li>\n<li><strong>More thorough document verification<\/strong>. The process of verifying documents and financial status may take longer.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4-loan-amount-calculation\"><\/span>4. Loan Amount Calculation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>mortgage loan amount<\/strong> depends on two factors &#8211; your creditworthiness and the property value. The bank assesses your creditworthiness based on your monthly net income and expenses, as well as the number of dependents.<\/p>\n<p>Approximately, the bank can provide a&nbsp;loan of <strong>PLN 100,000 for every PLN 1,500<\/strong> of your net monthly income. However, each dependent (spouse, children) reduces this amount by PLN 100,000.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5-age-and-loan-currency\"><\/span>5. Age and Loan Currency<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Borrower&#8217;s age<\/strong>. Loans are available to people aged 18 to 60-65 &#8211; i.e., working age.<\/li>\n<li><strong>Loan currency<\/strong>. According to the rules of the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego), the loan currency in Poland must match the borrower&#8217;s income currency.<\/li>\n<\/ul>\n<h2 id=\"required-documents\"><span class=\"ez-toc-section\" id=\"required-documents\"><\/span>Required Documents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The list of <strong>documents for a&nbsp;mortgage<\/strong> may vary depending on the bank, but usually includes:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"basic-document-package\"><\/span>Basic Document Package:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>Loan application<\/strong> &#8211; a&nbsp;completed form with personal data, income, and expenses.<\/li>\n<li><strong>Passport or other identity document<\/strong> with a&nbsp;valid visa or residence permit.<\/li>\n<li><strong>Documents confirming legal residence in Poland<\/strong> &#8211; residence permit, work permit, etc.<\/li>\n<li><strong>Income verification documents<\/strong> &#8211; income certificates from the workplace, tax declarations.<\/li>\n<li><strong>Bank account statement<\/strong> confirming funds for the down payment.<\/li>\n<li><strong>Property purchase agreement<\/strong> or preliminary agreement.<\/li>\n<li><strong>Property valuation<\/strong>. Independent valuation of the purchased property.<\/li>\n<li><strong>Credit history<\/strong> (if available) from the country of origin or Poland.<\/li>\n<\/ol>\n<h2 id=\"application-process\"><span class=\"ez-toc-section\" id=\"mortgage-application-process\"><\/span>Mortgage Application Process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"step-by-step-instructions\"><\/span>Step-by-Step Instructions:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Choose a&nbsp;bank<\/strong>. Compare offers from different banks and choose the most suitable option.<\/li>\n<li><strong>Document preparation<\/strong>. Gather all necessary documents.<\/li>\n<li><strong>Submit application<\/strong> for a&nbsp;loan at the chosen bank.<\/li>\n<li><strong>Document verification and risk assessment<\/strong>. The bank verifies the provided documents and assesses the applicant&#8217;s creditworthiness.<\/li>\n<li><strong>Property valuation<\/strong>. An independent property valuation is conducted.<\/li>\n<li><strong>Loan approval<\/strong>. If the bank approves the application, the loan agreement is signed.<\/li>\n<li><strong>Loan disbursement<\/strong>. Loan disbursement after completion of the property purchase transaction.<\/li>\n<\/ul>\n<h2 id=\"loan-amount-rates\"><span class=\"ez-toc-section\" id=\"loan-amount-and-interest-rates\"><\/span>Loan Amount and Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The approved loan amount directly depends on the <strong>appraised property value<\/strong>, which is often lower than the market value. Therefore, don&#8217;t expect the full amount &#8211; <strong>70-80% of the market value<\/strong> declared by the bank may be significantly less than expected.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"types-of-interest-rates\"><\/span>Types of Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The choice of rate type also affects the loan amount. <strong>Fixed rate<\/strong> (usually for 5-10 years) and long-term loans increase risks for the bank, which may reduce the maximum possible loan amount. <strong>Variable rate<\/strong>, in turn, is subject to changes depending on market conditions.<\/p>\n<p>As of November 2024, average <strong>mortgage interest rates in Poland<\/strong> are:<\/p>\n<ul>\n<li><strong>5-6% annually<\/strong> for fixed rates<\/li>\n<li><strong>4-5% annually<\/strong> for variable rates<\/li>\n<li>For foreign citizens, interest rates may be <strong>0.5-1% higher<\/strong><\/li>\n<\/ul>\n<h2 id=\"mortgage-insurance\"><span class=\"ez-toc-section\" id=\"insurance\"><\/span>Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Obtaining a&nbsp;<strong>mortgage loan<\/strong> often involves mandatory insurance for both the borrower and the purchased property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"types-of-mortgage-insurance\"><\/span>Types of Mortgage Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"property-insurance\"><\/span>Property Insurance<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Property insurance<\/strong> protects against damage caused by destruction or natural disasters (fire, flood, earthquake), usually for the loan amount or market value of the property.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"borrowers-life-insurance\"><\/span>Borrower&#8217;s Life Insurance<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Borrower&#8217;s life insurance<\/strong> is especially important for long-term mortgages or large loan amounts. In case of the borrower&#8217;s death or disability, insurance guarantees either loan repayment by the bank or transfers payment responsibility to guarantors.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"insurance-costs\"><\/span>Insurance Costs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Property insurance in Poland<\/strong> costs <strong>0.03-0.1%<\/strong> of the property value per year (e.g., for an apartment worth PLN 400,000 &#8211; PLN 120-400 per year).<\/li>\n<li><strong>Life insurance<\/strong> cost depends on the borrower&#8217;s age, health, and loan amount, ranging from <strong>0.02-0.05%<\/strong> of the loan amount per month.<\/li>\n<\/ul>\n<h2 id=\"mortgage-costs\"><span class=\"ez-toc-section\" id=\"costs-associated-with-mortgage-loan-in-poland\"><\/span>Costs Associated with Mortgage Loan in Poland<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let&#8217;s examine what <strong>mortgage-related costs<\/strong> the borrower should be prepared for:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"main-cost-items\"><\/span>Main Cost Items:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>Down payment<\/strong> &#8211; banks usually require the borrower to pay <strong>10-20% of the property value<\/strong>, however, for foreigners, the percentage may be higher.<\/li>\n<li><strong>Tax on civil law transactions (PCC)<\/strong>. For secondary market purchases, the rate is <strong>2% of the property value<\/strong>.<\/li>\n<li><strong>VAT<\/strong> on the primary market. VAT rates for residential property:\n<ul>\n<li><strong>8%<\/strong> &#8211; for apartments up to 150 m\u00b2 and houses up to 300 m\u00b2<\/li>\n<li><strong>23%<\/strong> &#8211; for properties exceeding these limits<\/li>\n<\/ul>\n<\/li>\n<li><strong>Property valuation<\/strong>. Appraiser services cost approximately <strong>PLN 300-700<\/strong>.<\/li>\n<li><strong>Notarial services<\/strong>. Notarial fees can range from <strong>PLN 1,000 to 3,000<\/strong>.<\/li>\n<li><strong>Bank commission<\/strong> for mortgage processing &#8211; from <strong>0 to 2%<\/strong> of the loan amount.<\/li>\n<li><strong>Land registry registration (Ksi\u0119ga Wieczysta)<\/strong>. Mortgage registration costs <strong>PLN 200<\/strong>.<\/li>\n<li><strong>Other costs<\/strong>:\n<ul>\n<li>Legal services: <strong>PLN 200-2,000<\/strong><\/li>\n<li>Real estate agency services: <strong>2-5%<\/strong> of the property value<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2 id=\"property-purchase\"><span class=\"ez-toc-section\" id=\"property-purchase-process-in-poland-main-stages\"><\/span>Property Purchase Process in Poland: Main Stages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;ve decided to purchase <strong>property in Poland<\/strong>, let&#8217;s look at the main stages you&#8217;ll need to go through:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"property-purchase-stages\"><\/span>Property Purchase Stages:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Property selection and document verification<\/strong>. At this stage, it&#8217;s important to check all documents related to the property, including ownership rights, plans, mortgages (if any).<\/li>\n<li><strong>Signing a&nbsp;preliminary purchase agreement (umowa przedwst\u0119pna)<\/strong>. This agreement establishes the intention to buy the property and usually includes a&nbsp;deposit.<\/li>\n<li><strong>Payment<\/strong>. Payment is usually made after checking all documents and signing the preliminary agreement.<\/li>\n<li><strong>Notarial deed (akt notarialny)<\/strong>. This is the final stage where the deed is signed at the notary&#8217;s office. After signing the notarial deed, you become the legal owner of the property.<\/li>\n<li><strong>Payment of taxes and fees<\/strong>. When purchasing property, you need to pay the PCC tax (<strong>2% of the property value<\/strong>).<\/li>\n<\/ul>\n<h2 id=\"professional-help\"><span class=\"ez-toc-section\" id=\"who-can-help-with-property-purchase-in-poland\"><\/span>Who Can Help with Property Purchase in Poland<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"specialists-for-consultation\"><\/span>Specialists for Consultation:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>Notary in Poland<\/strong>. The notary is a&nbsp;key figure in the property purchase process. They will verify all documents, ensure the legality of the transaction, and prepare the ownership transfer deed.<\/li>\n<li><strong>Polish lawyer<\/strong>. A lawyer can help you understand the legal aspects of the transaction, verify documents, and protect your interests.<\/li>\n<li><strong>Real estate agencies in Poland<\/strong>. Real estate agents can help you find suitable property and guide you through the purchase process.<\/li>\n<\/ol>\n<div style=\"background-color: #f0f0f0; padding: 15px; border-left: 4px solid #ff0000; margin: 20px 0;\">\n<p><strong>IMPORTANT!<\/strong> It&#8217;s essential to know that for a&nbsp;successful transaction, it&#8217;s crucial to consult professional and verified lawyers and notaries who will help you go through all necessary stages and avoid potential problems. Independent purchase without professional help can be risky.<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Obtaining a&nbsp;<strong>mortgage in Poland for foreigners<\/strong> is possible but requires careful preparation and meeting certain conditions. It&#8217;s important to familiarize yourself with the requirements in advance. Purchasing <strong>property in Poland<\/strong> with a&nbsp;mortgage can also be an excellent investment opportunity.<\/p>\n<p>If you have any questions, please contact us at <strong><a href=\"mailto:office@progressholding.pl\">office@progressholding.pl<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Table of Contents Who is Eligible for a&nbsp;Mortgage Mortgage Loan Conditions Required Documents for Application Step-by-Step Application Process Loan Amount and Interest Rates Mortgage Insurance Costs Associated with Mortgage Property Purchase Process Professional Help with Purchase Poland is becoming an increasingly popular destination for property purchases by foreigners. However, obtaining a&nbsp;mortgage in Poland for non-residents [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":5209,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorii"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/posts\/5207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/comments?post=5207"}],"version-history":[{"count":1,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/posts\/5207\/revisions"}],"predecessor-version":[{"id":5208,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/posts\/5207\/revisions\/5208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/media\/5209"}],"wp:attachment":[{"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/media?parent=5207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/categories?post=5207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/progressholding.pl\/en\/wp-json\/wp\/v2\/tags?post=5207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}