Ways of immigrating to Poland in 2025: from residence permit to stay card

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The growing interest in Eastern Europe has led to increasingly diverse and legally transparent ways of immigrating to Poland. Among the main factors contributing to the country’s attractiveness are accessible education, an active labor market, flexible mechanisms for obtaining residence permits and permanent residency. For those considering life in Europe, the state provides clear and consistent tools for legalization.

How to Move to Poland: Legislative Framework and Legalization Paths

The immigration policy is based on European standards that combine openness with strict procedural frameworks. The main entry directions are considered to be work, business, education, having Polish roots, or humanitarian circumstances. All documents are processed either through consulates or at the place of residence in the country.

Immigrating to Poland through Employment

One of the most common channels is through employment. A foreign citizen can enter the country by invitation from an employer or through an agency accredited at the national level. The country actively attracts IT specialists, builders, drivers, engineers, and service industry workers.

Having an official contract allows for obtaining a residence permit, and after a few years, applying for permanent residency in Poland. The advantage is that labor immigration is accompanied by accelerated procedures for obtaining a residence permit.

Business and Freelancing as a Path to Legalization

Setting up a sole proprietorship or small business is another effective mechanism. The state incentivizes entrepreneurs by offering simplified taxation and access to investment programs. Freelancers in design, marketing, IT, and consulting have the opportunity to demonstrate financial stability and apply for a residence permit.

Education and Academic Programs

Separate channels are provided for students. Enrolling in a university, technical school, or even language courses automatically grants the right to temporary residence. After completing studies, there is time to search for employment, with the possibility of changing status to a residence permit. This path is considered one of the legal and sustainable ways of immigrating to Poland, especially for young people planning long-term adaptation in the country.

Here are the directions through which academic immigration is most commonly formalized:

enrollment in a state university;
admission to a bachelor’s or master’s program in English;
participation in international exchange programs;
completion of preparatory Polish language courses;
education in private academies with subsequent employment.

The academic path is particularly attractive for young people planning to build a career and obtain a residence permit in Poland.

Polish Card and Polish Roots

Bearers of Polish culture and their descendants can take advantage of the Polish Card program. It allows legal residence in the country, work without permits, and eligibility for permanent residency through a simplified scheme. With archival certificates or direct relatives of Polish origin, the document can be obtained through the consulate.

Immigration through Family

Family reunification is a separate direction actively used in 2025. Family members already residing in the country based on a residence permit or permanent residency can invite spouses, children, and parents. Proof of housing, income, and insurance is required. This mechanism is part of the official immigration methods to Poland and allows for a legal move based on family ties.

Simplified Mechanisms — List of Advantages

When considering the country, it is important to understand what factors make adaptation and legalization processes convenient for immigrants:

clear legal framework and regulated timelines;
simple requirements for residence permit applicants;
ability to obtain a residence permit while working remotely;
favorable conditions for business and freelancing;
active support for expatriates and adaptation courses;
wide presence of Polish and international agencies.

These conditions create a favorable environment for relocation and long-term residency.

Immigration Paths to Poland: 2025 Legal Map

Immigration strategy can be built on one of several schemes. Below are the main ones:

submitting documents for employment from a Polish employer;
registering a sole proprietorship and starting a business;
obtaining the Polish Card with confirmed roots;
enrolling in school, technical school, or university;
participating in state grants for freelancers;
obtaining refugee status with grounds;
applying for a residence permit through family;
employment through international agencies.

Each of these directions involves a separate algorithm that should be studied before starting the process.

Language Adaptation: Polish and English

Knowledge of the Polish language remains a key factor for successful integration. However, English is widely used in major cities and in the IT sector, simplifying the initial stages of stay. There are free courses for immigrants, as well as online platforms to quickly learn basic levels.

Role of Expat Communities and Mediators

Most major cities have developed expat communities that assist with documents, housing search, and adaptation. Legal consultants and licensed mediators provide training on legislation, citizenship application, and status change. Such resources significantly simplify immigration methods to Poland, especially for those encountering the country’s bureaucratic system for the first time.

Specifics of Obtaining Permanent Residency and Citizenship

After several years of residence and holding a residence permit, one can apply for permanent residency, and later, citizenship. Proof of integration, language proficiency, and absence of legal violations are required. In 2025, the procedure remains stable and predictable.

Immigration Paths to Poland: Key Points

Compared to other Eastern European countries, the immigration paths to Poland in 2025 stand out for their flexibility and transparency. The availability of multiple channels — from the Polish Card to business, from work to education — allows for choosing an individual route of legalization. The country offers quality living conditions, clear legislation, and tools to transition from temporary status to permanent residency and citizenship.

The benefits of investing in commercial property abroad: new horizons

Investing abroad offers a wide range of opportunities to strengthen the financial base and diversify assets. Investments in commercial property are of particular interest in this strategy. By acquiring such properties in Poland or other countries, investors benefit from the stability of the local economy, tax and legislative incentives. These factors are obvious advantages of investing in foreign commercial property. Let’s talk about them in more detail.

Why invest in commercial property abroad

Investing in overseas commercial property is an opportunity not only to generate income, but also to strengthen financial independence. The world’s leading markets offer a number of significant advantages for investors.

Long-term stability and favourable rates of return

The advantages of investing in commercial property abroad lie in stable and high rates of return. In developed markets, rental yields can range from 6% to 9% per annum depending on location and type of space. This is significantly higher than in most jurisdictions, where rental yields often fluctuate between 3-5%.

Poland offers attractive conditions for tenants and property owners due to the high demand for office, retail and logistics space. Due to a stable economy and high levels of foreign investment, the country’s property market continues to show strong growth, providing investors with long-term stability.

Opportunities for asset diversification

Foreign commercial property is an important tool for diversifying an investment portfolio. Such investments make it possible to minimise risks associated with economic instability, political crises and currency fluctuations in the home market. By investing in property in developed countries, an investor can strengthen assets and reduce dependence on the situation in his country.

Capital protection and high levels of liquidity

Unlike other types of assets, such as stocks or bonds, real estate has a high degree of stability. Even in times of economic turmoil or crisis, the value of commercial properties in international markets remains static or increases, providing protection for funds.

Importantly, investing in overseas commercial property markets is highly liquid. Properties can be sold or leased quickly and without significant loss of value. Poland, in particular, is actively developing its infrastructure, which in turn is fuelling demand for property, especially in major cities and business districts.

Advantages of investing in commercial property in Poland

Poland offers numerous advantages for investors. It is a strategically located country with an emerging economy, progressive politics and an active market.

Stable economy and sustainable GDP growth

Poland has shown stable economic growth in recent years. In 2021, the country’s GDP grew by 5.7% and the trend continues. A steady increase in national income and rising consumer demand are contributing to rising rental rates and commercial property prices. The high level of economic security makes the country an excellent choice for property investment. Investments in cities such as Warsaw, Krakow and Gdansk will provide stable income in the long term.

Infrastructure projects and active demand for property

Poland is actively modernising its infrastructure, which creates additional opportunities for investors. In recent years, the country has invested in building new airports, modernising railway networks and improving transport hubs. These changes lead to an increase in property values in promising areas. It is also worth noting the high demand for commercial properties, especially in major cities. Warsaw, Krakow and other economically active metropolises in Poland offer excellent opportunities for tenants.

Tax advantages and programmes for foreign investors

Poland provides tax incentives for foreign investors when investing in commercial property, which significantly increases the profitability of investments. In particular, the country’s tax system actively incentivises investments in construction and rental properties. The Investor Benefit Programme creates additional incentives for investment in real estate.

How to choose the right property for investing in overseas commercial property

Choosing the right property to invest in commercial property in Poland is the key to successful profits. A few factors to consider when making a decision:

Location. In large cities such as Warsaw, Krakow, Lodz, it is worth targeting business districts and areas where there is active development and modernisation of infrastructure.
Type of facility. Offices, hotel complexes, retail space or warehouses. For long-term stability and high income, it is worth considering office buildings in major cities
Condition of the property. Areas that require minimal investment in repairs can be particularly favourable. It is important to consider the condition of the building, the age of the structure and potential repair costs.
Rental rate and lease term. Long-term tenants with a proven track record and stable financial flows – a guarantee of regular income.

Pros of investing in commercial overseas property: the main one

Countries with highly developed markets, such as Poland, offer not only stable rental income, but also significant potential for growth in the value of properties in the long term. Investing in commercial property abroad opens new horizons for portfolio diversification and capital protection. With a stable economy, active infrastructure development and tax advantages, Poland becomes an ideal choice for those seeking certainty in their investments.

August 26, 2025

Mortgage in Poland for foreigners: everything you need to know

Mortgages in Poland for foreigners have become a key financial mechanism for buying a home in the EU. The Polish property market is showing steady growth. Demand is supported by a stable economy, favourable geographical location and a developed banking system. The country’s financial institutions willingly provide loans not only to citizens, but also to investors from other countries, especially those with transparent incomes and stable status.

When buying property with mortgage funds, foreigners gain access to a European asset with title protection, predictable repayments and the possibility of subsequent relocation. Rates remain at competitive levels from 3.5 per cent, with down payments starting at 20 per cent. The procedure is clear and the loan term is up to 35 years.

Who and how can get a mortgage in Poland: information for foreigners

Polish banks lend to citizens of the EU, CIS, Asia and the USA, provided they have a stable income, a clear source of funds and a documented legal status in the country. Mortgage in Poland for foreigners is available even without residence permit, but the requirements become stricter in the absence of residency.

Categories of foreign borrowers:

with a temporary residence permit – in the presence of a labour contract;
with long-term stay – business owners, investors;
non-residents without status in Poland – through international programmes;
EU citizens – equal to local citizens under the terms of the loan.

Legal status affects the amount of contribution, the type of documents and the bank’s interest rate surcharge. The more stable the borrower is, the more favourable the terms.

Terms and conditions of mortgage lending

Mortgages in Poland for foreigners are issued in the national currency – Polish zloty. Foreign currency lending is not available, which reduces the risks of exchange rate fluctuations and ensures predictability of repayments.

Main parameters:

The interest rate ranges from 3.5 per cent to 5.2 per cent.
Loan term – from 5 to 35 years.
The maximum loan amount is up to 80% of the object’s value.
Down payment – from 20% (for residents), from 30% (for non-residents).
Borrower’s age – from 21 to 70 years old.
Property type – new buildings, secondary market, commercial properties.

Banks in Poland will only grant a mortgage loan on condition of a full credit check. Financial history, income, stability of employment and legal clarity of the transaction play a decisive role.

Income, documents and legal details

A mortgage in Poland for foreigners requires a clear and transparent evidence base. The bank analyses the income structure for the last 6-12 months, with preference given to official salaries and contracts.

The mandatory package includes:

passport and residence permit;
income statements, tax returns;
a tenancy agreement or business registration;
credit report (if there was a previous loan);
bank statements;
preliminary sales contract;
Title documents for the object.

When buying a flat in Poland with a mortgage, a non-resident applies for a tax identification number (PESEL), registers the address of residence and confirms the existence of an account in a Polish bank.

Step-by-step scheme: how to get a mortgage in Poland for a foreigner

Consistency affects the speed of approval and minimises legal and financial risks. Stages of processing:

Preparation of financial dossier – translation of documents, certificates, statements.
Opening an account in a Polish bank.
Obtaining a PESEL tax number and registering an address.
Selection of the object and conclusion of the preliminary contract.
Property valuation and independent expertise.
Submitting a mortgage application to the selected bank.
Analysing your credit file and getting approval.
Signing of the agreement and transfer of liens.
State registration of ownership.
Transferring the money to the seller and handing over the keys.

The procedure lasts from 6 to 12 weeks, depending on the completeness of the documents and the promptness of the parties. With the support of an experienced lawyer and mortgage broker, the process is simplified and takes less time.

Banks in Poland: who lends to foreign investors

Home loans in Poland are provided by large universal banks actively working with foreign borrowers. If you have a stable income and a clean dossier, institutions are willing to open financing for the purchase of primary or secondary housing. The most active lenders:

PKO BP, the country’s largest bank, lends for up to 35 years;
mBank – loyal terms and high speed of consideration;
Santander Polska – reliability and a wide range of mortgages;
Bank Pekao – co-operation with non-residents, rate from 3.7%;
Alior Bank – active lending to IT professionals and freelancers.

Common investor mistakes

A mortgage in Poland for foreigners requires care. Mistakes increase the processing time or lead to rejection. Below are common problems:

Ignoring translation of documents – banks require official translations into Polish.
Lack of tax number – without PESEL, clearance is not possible.
Insufficient down payment – the bank rejects the application if the contribution is less than the established minimum.
Unreliable income – only official and documented income is accepted.
Incomplete package of documents – absence of even one certificate slows down approval.
Choosing the wrong bank – conditions vary, not all work with foreigners.
Buying without prior due diligence – properties with encumbrances create risks.
Misunderstanding the payment schedule – incorrect calculation leads to delinquency.
Neglecting insurance – insurance lowers the rate and protects the investment.
No escort – a professional advisor saves months and reduces risk.

Investing in Polish property: a strategic tool

Mortgage in Poland for foreigners is actively used not only for living but also as an element of property investment strategy. Warsaw, Krakow, Gdansk, Wroclaw – cities with steady growth of housing prices, high demand for rent and active development of infrastructure.

Real estate in Poland brings income from 5 to 8% per annum when rented out, with mortgage payments are often covered by income from tenants. In 5-7 years, the owner builds up capital, improves credit history and receives an asset that grows in value every year.

The mortgage is especially relevant for an investor who plans to:

to acquire studios in the city centre;
to invest in an apartment complex for daily rent;
to buy a property with the intention of selling it after the market rises.

Banks in the country take into account the investment model and provide mortgages if the conditions are met. The payback period for projects with the right structure does not exceed 10 years.

Conclusion

A mortgage in Poland for foreigners opens access to an asset in the EU with minimal risks and high predictability. With the right income, a reasonable down payment and profitability calculation, the property becomes a source of passive income and legal support. Conditions remain transparent, interest rates are competitive and the banking system protects the rights of the borrower and the seller.

Obtaining a mortgage loan requires discipline, but it provides a clear tool for creating capital, building an investment portfolio and solving the issues of living in one of the most promising countries in Central Europe.

August 26, 2025