Guides
Mortgages, transaction costs, districts and developers, step by step. Plain answers with numbers and sources, written for buyers from abroad too.
6 articles
Know-how
A risk score summarises a developer's filings, finances and track record. It is a screening tool: it cannot see a project's budget, group structure or your contract. Read it together with the escrow type, the DFG, the land register and the prospectus.
Questions & answers
Short answers on the prospectus, reservation fees, withdrawal, notary costs, open and closed escrow, payment stages, price per m², price transparency and selling your contract before completion, based on the developer act as of November 2026.
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.
Know-how
Polish law has two escrow types. Open escrow releases your payments to the developer stage by stage after bank checks; closed escrow releases them only after ownership is transferred. The developer pays a DFG contribution of 0.45% (open) or 0.1% (closed).
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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