Guides
Mortgages, transaction costs, districts and developers, step by step. Plain answers with numbers and sources, written for buyers from abroad too.
3 articles
Playbook
Foreigners can get a Polish mortgage, but each bank sets its own rules. Expect to need a valid residence document, stable income in złoty, a documented own contribution of usually 20% and time to fit the reservation, developer agreement and escrow payments together.
Playbook
Read the prospectus, inspect the documents the developer must show you, check the land register and company register, search insolvency notices, confirm the escrow type and bank, and use a risk score only to decide where to dig deeper.
Playbook
Ten steps from shortlist to land register: read the prospekt informacyjny, check the developer, reserve, sign the notarial umowa deweloperska, pay into escrow by stage, inspect at handover, sign the transfer deed and register ownership.
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