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One stamp on a document can turn freedom into a condition. The status indicated in the residence dictates not only the format of stay in the country, but also the scale of actions. The differences between a residence permit and permanent residence lie deeper than the legal shell: they determine who is temporarily supervising and who is truly embedded in the system. A new city, language, tax system — everything is changing. But the really important difference is how much stability a person can expect in this new reality.

Differences between a residence permit and permanent residence: the choice on which stability depends

Each relocation decision is accompanied by a status. And it depends on the model whether a person will make plans for three months or lay the foundation for three generations. The differences between a residence permit and permanent residence are manifested in small things — they ultimately determine the feeling of confidence in the future.

Legal binding: Flexibility versus stability

Temporary status creates a conditional right of residence. Deadlines, goals, conditions — everything is subject to verification. An error in the declaration, a change of job, or even a change of last name can trigger a new round of bureaucracy. In Poland, for example, a residence permit under an employment contract becomes invalid if the employer stops cooperating.

Permanent residence eliminates this risk. There is no need to prove why you are in the country — it is enough to comply with the basic laws. Housing, work, change of region — everything remains under personal control. This status is suitable for those who plan long-term residence abroad without fear of being expelled due to a technical error or a change in conditions.

Flexibility in actions: employment and business

The differences between a residence permit and permanent residence are clearly visible on a professional level. A temporary permit fixes a person within a specific activity. For example, a work permit does not give you the right to open a business or transfer to another company without a new request.

Permanent status erases these boundaries. It becomes possible to launch a startup, switch between sectors, work for yourself, or combine activities. In the context of Poland, this means the opportunity to combine formal employment with freelancing, without informing the state at each change of direction.

Territorial movement: freedom within the country

Moving from Warsaw to Krakow is a logical step if your job is changing or your family is expanding. But with a residence permit, such a step requires updating the address in the registry, and sometimes a new permit, especially if it is a regional link to the voivodeship.

With permanent residence, this restriction does not exist. The location of residence does not matter, as does the change of ownership or lease. A person is free to choose a region, just like any citizen. This is crucial when looking for a job, a place to live, or a school.

Social system: different access to medicine and education

The differences between a residence permit and permanent residence relate not only to rights, but also to the level of service. Access to hospitals, educational institutions, courses, and language programs varies. A holder of a residence permit in Poland can receive assistance only in emergency cases or if they have paid insurance.

Permanent residence opens the doors to government clinics, gives the right to a waiting list for kindergarten, school, or benefits. In practice, this means equal opportunities with citizens. No extra paperwork, no extra charges, no explanations.

Terms and conditions of extension: reliability as a basis

Each extension of the temporary status requires documents. The validity period of the residence permit is from one to three years. Upon completion, there will be a new package of certificates, new checks, and new commissions. Failure is possible even with minor inconsistencies. This puts a strain on time, finances, and psychological well-being. Permanent residence fixes the status once and for all. The only obligation is not to leave the country for a long time (usually more than a year). The extension is reduced to a formal procedure without re-verification of the grounds.

Differences: where a residence permit is suitable, and where permanent residence is preferred

The differences between a residence permit and permanent residence are revealed in real situations:

1. Study: A residence permit is suitable for the period of study, but does not automatically transfer to work. Permanent residence gives you complete freedom — you can study and work without restrictions.
2. Work: Permanent residence allows you to change an employer or start a business without bureaucracy. A residence permit requires compliance with the purpose of entry.
3. Family: Reunification is possible under both statuses, but with permanent residence, family members receive more social rights and protection from expulsion.
4. Real estate: For permanent residence, it is allowed to purchase any object. A residence permit restricts ownership and requires additional approvals.
5. Immigration: Permanent residence provides a path to citizenship after a minimum number of years. A residence permit is often not fully counted during this period.

When to choose permanent residence, when to get a residence permit

Choosing a status is not a matter of formality. This is a strategic decision. A residence permit is suitable for short projects, country testing, and temporary work. For those who intend to build a future — only permanent residence. In real-world cases, the difference becomes obvious. For example, an IT specialist with a residence permit in Poland will not be able to immediately switch to freelancing. The entrepreneur will not receive state support. The parent does not guarantee the child a place in the municipal kindergarten. All this is corrected by one document — a permanent residence permit.

Obtaining a Polish passport is not just a formality. The document opens access to full freedom of movement within the EU, gives the right to employment without authorisation, and guarantees protection from deportation and permanence of status. How to obtain a Polish passport in order to turn a temporary stay into a stable legal position: this is especially important for those who run a business, work under a contract or plan studies for themselves or their children.

Grounds and routes: how to obtain a Polish passport legally

It is important to determine the pathway before starting the formalisation process. Polish law provides for several legal grounds. Each scenario requires a different approach.

Naturalisation: a journey through the years

The standard option is permanent residence followed by naturalisation. How to obtain a Polish passport in this case: it can be done after 3-10 years, depending on the circumstances. The starting point is a residence permit. The next stage is the status of permanent resident. After obtaining it, you can apply for citizenship. In practice, the procedure is completed in 6-9 months.

Pole card: basis of origin

Persons with Polish roots apply for a Pole Card. This document confirms nationality. After one year of living in Poland with a Pole Card, you can apply directly for citizenship. This is one of the fastest routes for those who have direct relatives – grandparents, parents – of Polish origin.

Marriage to a Polish citizen

If you are officially married to a Polish citizen, the path to a passport is simplified. After two years of living together and permanent residence in the country, the foreign spouse becomes eligible to apply. The key requirement is a valid residence permit, proof of marriage and common residence at the same address.

Investments and real estate

Buying a home in Poland does not automatically entitle you to citizenship, but it is an indirect advantage. Owning a property strengthens the arguments at the application stage. This is especially true if the owner has already obtained a residence permit on economic grounds.

Step-by-step algorithm: how to obtain a Polish passport in practice

Each ground involves a different sequence, but the general logic remains stable. Formalisation involves preparation, collection of documents, submission and waiting for a decision.

Algorithm of Polish citizenship:

1. Choose a base. Define: naturalisation, descent, marriage, investment or other.

2. Obtain legal status. Obtain a temporary or permanent residence permit.

3. Проверить сроки. Для подачи заявления должен пройти нужный период пребывания.

4. Gather documents. Passport, proof of residence, income, insurance, certificates, references.

5. Apply. Send the dossier to the voivodeship office.

6. Pass the language exam. Most bases require a minimum level of B1.

7. Waiting for a decision. The period of consideration is from 6 to 12 months.

8. Getting Approved. If the decision is favourable, the applicant is sworn in.

9. Issue a passport. Apply for the issuance of a citizen’s document.

Documents: basis for confirmation of entitlement

The package of documents depends on the basis. But the basic positions remain the same:

• passport;

• birth certificate;

• proof of income or employment;

• proof of residence in Poland;

• certificate of no criminal record;

• a photo of the prescribed format;

• proof of Polish language skills.

When applying for a Pole Card, the original document itself is added. In case of marriage – a copy of the certificate and proof of cohabitation.

Timing and cost: What to expect in advance

The process of obtaining a Polish passport requires time and financial discipline. Although the state does not charge a fee for the very act of granting citizenship, the procedure involves many steps, each of which requires an investment of both time and money.

The full path includes several phases: obtaining the basis for application (e.g. residence permit or Polish Card), accumulating the necessary years of residence, collecting and submitting documents, taking a language test, waiting for a decision, taking the oath, drawing up an identity card, and finally obtaining a passport. In the best case, with a Pole Card or marriage, the process takes about 12 months. With naturalisation without accelerating factors – 2 to 3 years. In special cases involving the President, the process can be completed in a few months, but only if there are truly exceptional circumstances.

Financially, the applicant spends on each element. For example, notarisation of copies will cost 30-80 PLN per document, translation – from 40 to 100 PLN per page. Language exam – from 250 to 500 PLN depending on the centre. Passport photos – about 30 PLN. Residence registration – from 17 PLN per address. Health insurance (if required) – from 600 PLN per year. On average, the whole procedure to obtain a Polish passport costs 800-1500 PLN, but the amount may increase if additional requests arise or if you need legal advice, translators or the help of intermediaries.

Special cases: how to obtain a Polish passport in unusual circumstances

In addition to the standard scenarios – naturalisation, descent, marriage – Polish law allows for exceptional cases where an applicant can obtain a passport outside the formal procedure. These mechanisms work through a presidential decision or humanitarian grounds, and are used less frequently, but allow bypassing the general requirements if there are strong arguments.

One such case is recognition of meritorious service to Poland. This category includes scientists, sportsmen, investors, diplomats, patrons of the arts, as well as persons who have contributed to the development of Polish culture, science, economy or the international prestige of the country. How to obtain a Polish passport for this reason: you need to submit a detailed package of documents: letters of support from state organisations, publications, diplomas, research results, awards. The application is sent directly to the Office of the President, where it undergoes a separate review procedure.

The second group is humanitarian and refugee programmes. Foreigners who are unable to return to their home country because of a threat to life or political persecution are entitled to temporary protection. This can later develop into permanent residence and then into citizenship. The procedure is strict, involving interrogations, analyses of evidence, and a period of observation. However, if the status is recognised, the processing is expedited, with simplified conditions for submission.

The third way is administrative adoption of minors of citizens of other countries by Polish citizens. In such cases, the child receives a passport automatically after the adoption procedure is finalised and the child is registered at the place of residence.

Conclusion

Acquiring citizenship requires a systematic approach. There is no one-size-fits-all way to obtain a Polish passport – each path requires preparation, patience and precise compliance. The law works predictably, and with the right sequence, the probability of rejection is minimal. A Polish passport gives you not only documents, but also freedom of movement, protection and full participation in the life of the European Union.

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:

1. 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.

2. 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

3. 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.

4. 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.

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:

1. The interest rate ranges from 3.5 per cent to 5.2 per cent.

2. Loan term – from 5 to 35 years.

3. The maximum loan amount is up to 80% of the object’s value.

4. Down payment – from 20% (for residents), from 30% (for non-residents).

5. Borrower’s age – from 21 to 70 years old.

6. 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:

1. Preparation of financial dossier – translation of documents, certificates, statements.

2. Opening an account in a Polish bank.

3. Obtaining a PESEL tax number and registering an address.

4. Selection of the object and conclusion of the preliminary contract.

5. Property valuation and independent expertise.

6. Submitting a mortgage application to the selected bank.

7. Analysing your credit file and getting approval.

8. Signing of the agreement and transfer of liens.

9. State registration of ownership.

10. 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:

1. Ignoring translation of documents – banks require official translations into Polish.

2. Lack of tax number – without PESEL, clearance is not possible.

3. Insufficient down payment – the bank rejects the application if the contribution is less than the established minimum.

4. Unreliable income – only official and documented income is accepted.

5. Incomplete package of documents – absence of even one certificate slows down approval.

6. Choosing the wrong bank – conditions vary, not all work with foreigners.

7. Buying without prior due diligence – properties with encumbrances create risks.

8. Misunderstanding the payment schedule – incorrect calculation leads to delinquency.

9. Neglecting insurance – insurance lowers the rate and protects the investment.

10. 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.

Poland remains one of the most attractive countries to move to due to its developed economy, low unemployment rate, affordable housing prices and well-designed infrastructure. The country offers excellent conditions for work, business, education, as well as immigration programmes that make it easier to obtain permanent residence.

Choosing the best city in Poland to live in depends on many factors: salary level, property prices, ecology, infrastructure and climate conditions.

Warsaw: a dynamic metropolis

Warsaw ranks first among the top Polish cities thanks to its developed economy, large number of jobs and comfortable infrastructure. It is the financial and technological centre of the country, offering high salaries and fast career growth.

The average income in the capital is significantly higher than in other Polish cities. Specialists in IT, finance, marketing and construction can earn between 8,000 and 15,000 PLN per month. The city offers many vacancies for expats and professionals in international companies, making a move to Poland particularly favourable for skilled personnel.

Cost of property and standard of living in Warsaw

Housing in the capital is more expensive than in other regions, but still more affordable than in Western Europe. The average cost of a flat in the centre is 15000-18000 PLN per square metre, rent from 3000 PLN for a “one-bedroom”. Despite the high pace of life, Warsaw remains a comfortable city with developed infrastructure, good ecology and the best medical care in Poland.

Krakow: cultural centre

Krakow holds an honourable place in the ranking of Poland’s best cities to live in thanks to its original architecture, high level of education and strong tourist industry. In a metropolis with a rich history and a dynamic economy, it is easy to find work and enjoy a comfortable living.

Why does Krakow attract expats and students?

One of the best educational institutions in the country, the Jagiellonian University, is located here. International companies operate in the city, which creates employment opportunities in IT, finance and marketing. The average income of professionals in Krakow is 7000-12000 PLN per month.

Housing prices

Krakow offers affordable property prices. A square metre in the centre costs 12000-15000 PLN, renting a flat from 2500 PLN per month. The city is suitable for students, young professionals and families who want to live in the cultural capital of Poland with a high level of comfort.

Gdansk: a corner by the sea

Gdansk occupies a special place among the best cities in Poland to live in, offering a comfortable atmosphere, economic stability and high quality infrastructure. It is the country’s key port hub, playing an important role in international trade, shipbuilding and logistics. In addition, Gdansk attracts tourists, IT professionals, entrepreneurs and family people, creating optimal conditions for moving to Poland for permanent residence.

Advantages of living in Gdańsk

Gdansk has a moderate climate, a large number of green areas and a convenient transport system. Families, pensioners and those who appreciate sea air and ecology can live here comfortably. The average salary in the city is 6000-11000 PLN per month, and the cost of housing is lower than in Warsaw and Krakow.

Jobs: prospects and salary levels

Gdansk remains one of Poland’s leading economic centres, offering a wide range of career opportunities in shipbuilding, logistics, IT, tourism and trade. It is home to major international companies, industrial parks and a growing start-up industry. The location is attractive for IT professionals and entrepreneurs.

Average salaries:

1. IT specialists: 9000-15000 PLN per month.
2. Logistics and transport: 6000-10000 PLN.
3. Tourism and hospitality: 5000-8000 PLN.
4. Shipbuilding and industry: 7000-12000 PLN.

Due to low competition among specialists in certain fields, moving to Gdansk can be a good solution for professional growth and stable employment.

Real estate: how much does housing cost?

Gdańsk offers affordable property prices compared to Warsaw and Krakow, making it a favourable city for long-term residence. For example:

1. Flats in the centre: 10000-14000 PLN per square metre.
2. Housing in dormitory areas: 8000-10000 PLN.
3. Renting a flat (1-bedroom): 2000-3000 PLN per month.
4. Rent a flat (2-3 rooms): 3500-5000 PLN.

The cost of the property depends on the neighbourhood, proximity to the sea and the level of infrastructure. However, long-term rentals are more affordable than in other metropolitan areas of Poland.

Poznan: developed economy and convenient infrastructure

Poznan is one of the best cities in Poland to live in thanks to its developed industry, comfortable infrastructure and low housing costs. The country’s key business centre attracts programmers, engineers and entrepreneurs. Large industrial enterprises and IT companies are located here, which creates good conditions for career and business. The average salary in Poznan is 6500-11000 PLN per month, and the level of competition on the labour market is lower than in Warsaw or Krakow.

Cost of property in Poznan

Housing prices remain among the most affordable among major cities in Poland. The average cost of a square metre is 8500-11000 PLN, renting a flat from 1800 PLN per month. The location is suitable for technology professionals, engineers and those looking for a comfortable and inexpensive city to live in.

Conclusion

Choosing the best city in Poland to live in depends on your goals. Warsaw is suitable for career development and business, Krakow for those who value cultural environment and education. Gdansk attracts with its comfortable stay by the sea, while Poznan offers prospects in industry and the IT sector. For those looking for a peaceful atmosphere, affordable property and developed infrastructure, Bielsko-Biała, Bydgoszcz and Katowice are good choices.

Immigration to Poland in 2025 remains promising, offering stability, high quality of life and favourable conditions for work and investment.

Property taxes in Poland have undergone significant changes over the last two decades. Previously, the regulatory system was less transparent, but gradual reforms in legislation have allowed for a high level of investor protection. With the adoption of the Urban Leases Act (LAU) and other regulations, the tax system has become more predictable. Historically, the steady growth of the Polish property market has been accompanied by adjustments in commission rates. Tax amounts are formed on the basis of regional indicators, which makes it possible to take into account the specifics of each municipality and the regional economy.

Property tax rates and charges in Poland

Commission amounts in the country are calculated according to strict rules established by the Ministry of Finance. They are also specified by local authorities. Thus, for different types of objects there are the following maximum rates according to 2024 data:

1. Business-related land – PLN 1.34 per square metre.
2. Land under standing or running water – PLN 6.66 per square metre.
3. Other land, including facilities of public benefit organisations – 0.71 PLN per sq. m.
4. Residential property – PLN 1.15 per square metre.
5. Business-related buildings – 33.10 PLN per square metre.

In 2025, the rates are forecast to increase by 2.7% compared to 2024, reflecting inflationary processes in the country. For example, the rate for residential properties will increase to PLN 1.18 per square metre and for commercial properties to PLN 34.00 per square metre. Property taxes in Poland play a key role in value formation and should be taken into account when planning investments.

Taxes when buying property in Poland: VAT and PCC

Two main levies apply to the purchase of a property in the country: VAT and civil transaction tax (PCC). The former is charged on the purchase of new buildings from a property developer. The standard VAT rate is 23%, but a reduced rate of 8% applies for residential properties up to 150m². Secondary purchases are subject to PCC, which is 2% of the market value of the dwelling. The percentages depend on the type of transaction and the property, which requires careful analysis of each case. The investor is advised to carefully study the taxation conditions to avoid unexpected costs and optimise the investment.

Notary services and additional costs

Property taxes in Poland are accompanied by mandatory costs associated with the registration of the transaction. Notary services play an important role, as the specialist certifies the sale and purchase agreement and submits data to the land registry. The maximum rate of remuneration of a notary in 2024 reached PLN 10,000.

Additional costs include real estate agency commissions (up to 3% of the value) and, in some cases, fees when applying for a mortgage loan. It should be borne in mind that property taxes in Poland, together with notary and agency fees, can be a significant expense, which should be factored into the financial plan.

Taxes on income on the sale of real estate

When selling a property in Poland, the profit is subject to income tax (PIT) at the rate of 19% on the difference. But if the property is sold after 5 years from the date of purchase, no interest is charged. An additional condition is that the investor must use the proceeds for their own housing purposes within 3 years after the transaction. This system of property taxes in Poland stimulates long-term investments and reduces the commission burden for those who plan to live in the acquired area or use it for permanent rent.

Inheritance and gift taxes

Property taxes in Poland also apply to inheritance and donation of properties. Depending on the degree of kinship between the parties, the system divides the beneficiaries into three groups:

1. For close relatives (group one), there is a fee waiver for filing SD-Z2 declaration within 6 months.
2. The other groups have progressive rates: for the first – from 3% to 7%, for the second – from 7% to 12%, for the third – from 12% to 20% of the value of property exceeding certain limits.

Taxes on rental property

Income from rental property in Poland is taxed under a special system. Individuals are subject to a lump sum tax (ryczałt) of 8.5% on income over PLN 100,000 and 12.5% for smaller amounts. At the same time, self-employed persons can choose between the rate of 17% or a linear tax of 19% depending on their profits. Renting commissions are calculated on total income without taking into account expenses, which requires precise planning and optimisation of payments. Timely filing of the PIT-28 return allows you to avoid penalties and ensure a refund of overpaid amounts if the tax burden was overstated.

Recommendations for investors

Property taxes in Poland play an important role when buying properties and require careful consideration. Recommended:

1. Thoroughly research current legislation, including the Law on Urban Leases (LAU) and current tax rates.
2. Use the services of experienced real estate agents specialising in the Polish market to obtain accurate information on additional costs.
3. Plan transactions taking into account all tax obligations – from VAT to PCC, as well as the costs of notary services and agent commissions.
4. When selling, take into account the possibility of exemption from income tax when owning the property for more than 5 years and use the proceeds for housing purposes.
5. Evaluate tax reliefs and special conditions for inheriting or gifting real estate to optimise financial losses.

These recommendations will help to minimise tax costs and ensure the sustainability of investments in the property market in Poland.

Conclusion

An analysis of Poland’s tax system shows that property commissions are considered an important element in the process of buying and owning property here. Transparency of legislation, specific interest rates and clear regulations set by the Ministry of Finance create conditions for safe transactions.

Combining data on tax rates, legal regulations and additional costs allows you to form an objective idea of what property taxes in Poland an investor needs to consider. Recommendations on property selection, strategies to optimise fees and use of incentives will help you make an informed decision and create a sustainable investment portfolio.

Poland has attracted the attention of emigrants in recent years due to its favourable geographical location, stable economy and affordable living conditions. This country offers not only comfortable accommodation and quality infrastructure, but also a high level of security. In this article we will tell you how much it really costs to live in Poland, and whether moving there is justified.

Why is Poland attracting new residents?

Economic stability, growing employment opportunities and proximity to other European countries make the Republic attractive for emigration. Poland combines a moderate cost of living, tradition and modernity, providing access to all the benefits of civilisation and preserving cultural diversity.

Geographical location and climate

The country occupies a central position in Europe, which makes it convenient for international travellers. Regular flights, well-developed railways and convenient buses make travelling between neighbouring countries quick and inexpensive. The southern regions are known for the Tatra Mountains, ideal for winter sports, while the northern regions, such as Gdansk, offer holidays by the Baltic Sea.

The climate is temperate: summers are warm, with average temperatures around +22°C, and winters are mild, with temperatures around -2°C. These conditions are favourable for a comfortable life both in large cities and in rural areas.

Social policy

The Republic offers access to free education and quality medical care. Public schools and universities provide a high level of education, while medical centres guarantee modern equipment and professional staff.

The transport system includes high-speed trains, buses and subways in major cities. Tickets for public transport cost from PLN 3.5, a monthly season ticket costs about 150. These factors make the cost of living in Poland balanced – residents receive a wide range of services for reasonable money.

How much does it cost to live in Poland?

The total cost of living in Poland includes the cost of rent, food, utilities and transport. The level of costs depends on the region: Warsaw and Krakow are considered the most expensive cities, while provincial regions offer more affordable conditions.

Renting accommodation in Poland

Housing is one of the key cost items. The cost of rent depends on the location, area and condition of the property:

1. Warsaw: renting a studio in the centre – about 2500 PLN, on the outskirts – 1800 PLN.
2. Krakow: a one-bedroom flat in the heart of the city costs 2200 PLN, outside – 1600 PLN.
3. Gdańsk: studio rent starts from PLN 2000 in the centre and PLN 1500 on the outskirts.

To reduce costs, many people choose to live in the provinces, where a one-bedroom flat can be rented for 1200-1500 PLN. Renting together with neighbours is another popular way to save money.

Food prices in Poland

Food remains affordable even for families on a tight budget. Biedronka, Lidl and Carrefour supermarkets regularly offer discounts, while farmers’ markets offer fresh fruit and vegetables at low prices:

1. A litre of milk is 4 zlotys.
2. A loaf of bread – 3 zlotys.
3. A kilo of chicken fillet – 20 zlotys.
4. A kilo of potatoes – 3 zlotys.
5. A dozen eggs – 8 zlotys.

Wages and expenses: average cost of living in Poland

The average wage in the country provides a sufficient standard of living to cover basic expenses and even allows to form a financial cushion. The amounts vary depending on the city, region and field of activity:

1. Warsaw: about 6,000 PLN before taxes. International companies offering competitive salaries are concentrated in the capital, especially in IT, finance and marketing.
2. Krakow: 5500 zloty. The city is known for its tourist infrastructure, which creates opportunities for work in the hotel and restaurant business.
3. Wroclaw: 5000 zlotys. The subject is actively developing as a centre for start-ups and innovations.

After taxes, about 70 per cent of this amount remains. This is enough to cover key expenses, including housing, food, transport and utilities. For additional income, many people consider the logistics or service industries.

Average Costs:

1. Utilities for a one-bedroom flat: 400-600 PLN per month. This includes heating, electricity, water and internet. In winter, heating bills may increase by 20-30%.
2. Transport: a monthly bus pass costs about 150 PLN.
3. Other expenses: entertainment, gyms, hobbies and trips to cafes usually cost 200-500 PLN per month.

Cost calculations confirm that life in Poland is balanced, especially for families and young professionals seeking financial stability.

Total costs: is it worth moving to Poland from Russia?

Moving provides a range of opportunities to improve the quality of life. Affordable housing, a stable economy and a European level of infrastructure make the country an optimal choice for emigration.

Benefits:

1. Affordable cost of living in Poland. Prices for housing, groceries and transport remain significantly lower than in most Western European countries.
2. High level of security. Poland is among the safest European countries, which is especially important for families with children.
3. Convenient Location. The state borders with Germany, Czech Republic, Slovakia, Ukraine and Lithuania, which allows travelling around Europe with minimum expenses.
4. Developed economy. A stable labour market, low unemployment and opportunities for professional growth make the Republic attractive to expats.

Disadvantages of living in Poland for Russians:

1. The need to learn Polish. Despite the availability of English-speaking vacancies, knowledge of the local language will be required for integration into society.
2. Higher costs in larger cities. Warsaw and Krakow have noticeably higher prices for rent and services than provincial subjects.

Conclusion

Poland offers an optimal combination of quality and cost of living. Regional differences allow you to choose the right rhythm – from the dynamism of metropolises to the quietness of the provinces. For a successful move, it is important to take into account the costs of housing, food and transport, as well as to adapt to local conditions. The cost of living in Poland justifies the choice for those seeking stability and comfort.

Poland attracts investors from all over the world by offering favourable conditions for obtaining permanent residence and citizenship. In recent years, this process has become more accessible and understandable thanks to a variety of programmes and support from the Polish authorities. It is possible to move to Poland for permanent residence through several types of investments, starting with the purchase of property and ending with the registration of a business. It is important to learn all the steps, requirements and conditions to make this process as easy and profitable as possible. В

Advantages of moving to Poland for permanent residence for investors

Moving to Poland for permanent residence through investment is a chance to gain stability, confidence in the future and access to huge business opportunities in the EU. The country is located in the very centre of Europe, which makes it an ideal place for those who want to scale up and enter international markets. The state also offers low taxes for businessmen and investors, as well as a high quality of life.

One of the main advantages is the open route to the European Union, which offers visa-free access to 27 countries, including Germany, France, the UK and other major economic centres. By taking advantage of programmes to move to Poland for permanent residence, an investor receives not only economic benefits, but also a large number of rights and freedoms available to EU citizens.

The tax system here attracts entrepreneurs with moderate rates. For example, the profit tax rate for small and medium-sized companies is 19%, which is significantly lower than in some other EU countries. For some types of activities, tax incentives and subsidies from the Polish government may be applied. Poland actively supports startups and innovative companies, providing grants and subsidies for those who create new jobs and develop the country’s economy.

It is also a country with high quality health care, excellent living conditions, high security and cleanliness. Salaries are growing here, and the convenient location and extensive transport network make the territory convenient for permanent residence. Taking into account the totality of factors – moving to Poland for permanent residence is attractive for foreign investors.

Investment programmes for obtaining residence permit and permanent residence in Poland

One of the most popular ways to move to Poland for permanent residence is to participate in an investment programme. Depending on the amount and type of investment, various options for obtaining residency status are possible. It can be buying property, starting a business, buying government bonds or other forms of investment activity. All programmes have clear criteria and deadlines within which the required conditions must be met:

1. Buying a property: the investment amount starts from 300,000 euros, depending on the region and type of property. This investment can provide not only a residence permit, but also a stable rental income.
2. Business registration: starting a company in the country requires an investment of between 100,000 and 500,000 euros, depending on the field of activity. Entrepreneurs can obtain a residence permit for up to 2 years with the possibility of extension.
3. Buying government bonds: this method involves purchasing at least 1 million euros worth of Polish government bonds, which guarantees a residence permit for up to 5 years.

Depending on the option chosen, the investor must provide a certain package of documents, including a business plan (if starting a company), information on income and sources of funds, and proof of investment. All this is done to show that the person intends to contribute to the country’s economy and will contribute to its development.

What documents you need to move to Poland for permanent residence

What documents do I need to move to Poland for permanent residence? The answer to this question depends on the chosen investment programme and specific conditions. In order to start the process of obtaining a residence permit, it is necessary to prepare a package of documentation including several mandatory elements:

1. Passport valid at the time of application, with copies of all pages, and photographs for identification.
2. Copies of bank accounts, tax returns or other documents proving the availability of funds for investment. This may be a bank statement or income document.
3. The investor must provide evidence that the funds for the investment are legitimate and not related to criminal activity. This can be, for example, a contract with a partner or a property transaction document.
4. To apply for a residence permit through the establishment of a business, it is necessary to submit a business plan, which will be evaluated by the Polish authorities.
5. Health insurance, which should cover all possible costs of medical treatment in Poland for the duration of the visa.
6. Documents proving residence in the country: rented accommodation, signed contract or proof of real estate.

It is important that all documents are translated into Polish and fulfil the requirements set out in the visa application instructions.

Step-by-step instructions: how to apply for permanent residence in Poland

The application process to move to Poland for permanent residence includes several stages, each of which has its own peculiarities and requirements:

1. Choosing the type of investment. First you need to choose which investment programme to use to obtain a residence permit. This can be buying property, setting up a business or other options.
2. Document preparation. All necessary materials, including proof of financial solvency, health insurance and proof of source of income, must be gathered in advance.
3. Submission of the application to the consulate or immigration authorities. The application for a residence permit is submitted to the Polish consulate in the country of residence. In some cases, an interview will be required.
4. Waiting for a decision. After submitting the documents, it remains to wait for a decision from the Polish authorities. This may take several months, depending on the programme.
5. Obtaining a residence permit and starting to live in Poland. After the application is approved, the investor will receive a visa to reside in Poland for up to 2 years with the possibility of extension.
6. Transition to PML. After several years of permanent residence, it is possible to apply for permanent residence by providing evidence that all conditions for permanent status have been met.

These steps can vary slightly depending on the type of investment, so it is important to consult with immigration experts beforehand.

How to obtain citizenship in Poland through investments

One of the main conditions for citizenship is to have a stable source of income, as well as active participation in the economic life of the country. For example, for those who have established a successful business, it is important to prove that the company generates income and provides jobs.

Testimonials from real investors: is it worth moving to Poland for permanent residence?

Testimonials from real investors who have already gone through the process of obtaining a residence permit often emphasise several key factors that influenced their choice. In most cases, people are pleased with the low taxes, high-quality infrastructure and business development opportunities.

Many note that the move gave them access to European markets and allowed them to scale their firms into new territories. Investors who have purchased property also emphasise that the housing market in Poland continues to grow, providing additional profit opportunities.

Conclusion

Moving to Poland for permanent residence means a better quality of life and a chance to develop your business in a stable and economically favourable environment. The country, thanks to its location in the centre of Europe, dynamically developing economy and favourable tax system, is an attractive option for investors wishing to enter European markets and secure a better future for themselves.

The current property market in Poland offers a wealth of investment opportunities, and Krakow is one of the most attractive destinations. The Polish city combines a rich history, developed infrastructure and prospects for growth. Property in Krakow is becoming a popular choice among foreigners due to its stable economy, quality of housing and convenient location. In this article we will take a detailed look at how to choose, purchase and design a flat in this unique city.

Why choose Krakow to buy a property

Krakow is not just the cultural capital of Poland, but a city with a unique balance of tradition and modernity. It is home to the best universities, museums, theatres and attractions that attract millions of tourists. Buying property in Krakow gives you access to life in one of Poland’s most dynamic cities.

The city offers residents a high level of security, developed infrastructure and opportunities to work in international companies. Tourism, IT and education remain the key sectors supporting the stable growth of the economy here. Investors appreciate Krakow for its constant rental demand and favourable conditions for starting a business.

Benefits:

1. Rich history and cultural heritage: Wawel Castle, Market Square.
2. Economic stability and low unemployment.
3. Developed transport infrastructure: international airport, railway and bus routes.
4. Attractive conditions for foreign investors, including the ease of obtaining a residence permit.

Buying property in Poland, especially in Krakow, is becoming a popular decision due to the combination of quality and affordability.

How to prepare for buying a property in Krakow

Before buying, it is necessary to determine what type of housing and neighbourhood suits your needs. The properties range from apartments in the historic centre to new buildings on the outskirts. Each neighbourhood has its own characteristics:

1. Old Town (Stare Miasto) is a prestigious neighbourhood with historical buildings, where the cost of housing is the highest. Ideal for renting out to tourists.
2. Kazimierz is a place with a bohemian atmosphere, popular among young people. The neighbourhood is famous for restaurants, bars and unique architecture.
3. Podgórze is an area that is actively developing due to new residential complexes and business centres.
4. Nova Huta is an industrial neighbourhood with affordable flats and large green areas.

Criteria for choosing a property in Krakow:

1. Type of housing: flat in the centre, house in the suburbs or apartments in a new building.
2. Infrastructure: schools, hospitals, shops and transport stops.
3. Potential for investment: rental costs and price growth forecasts.

Legal review of documents

Each transaction requires a thorough review of documentation to eliminate possible risks. Buying property in Krakow is subject to the strict norms of Polish law, and compliance with all stages of checks guarantees a successful transaction.

Key Documents:

1. Księga Wieczysta (real estate register): verification of ownership, absence of debts and encumbrances.
2. Umowa Przedwstępna (preliminary agreement): fixes the terms of the transaction and the amount of the deposit (usually 10%).
3. Certificate of absence of debts: includes utility bills and taxes.
4. Notarisation: the final stage that confirms the legality of the transaction.

How to get a mortgage in Poland for foreigners

For foreign nationals, Polish banks offer mortgages on standard terms, but with some peculiarities. Financing the purchase of property in Krakow is possible with documents proving income and creditworthiness.

Key milestones:

1. Preparation of documents: income certificates, tax returns, proof of residence address.
2. Choosing a bank: analysing offers based on interest rates and loan terms.
3. Signing a loan agreement: includes fixed or floating rate, repayment term up to 30 years.

Key Points:

1. Minimum down payment: 20-30% of the property value.
2. Credit history: in Poland or another country.
3. Housing valuation: independent expertise to confirm the market value of the property.

Banks assess the financial stability of the client and offer flexible terms for those who plan to live or rent out the property for a long time.

Step-by-step instructions for buying a property in Krakow

The process involves several mandatory steps. Correctly following the procedure helps to avoid mistakes and unnecessary costs:

1. Selecting a property: determining budget, neighbourhood and type of property.
2. Search for options: through agencies or online platforms such as Otodom, OLX.
3. Home inspection: checking the condition of the flat, infrastructure and accessibility to transport.
4. Conclusion of a preliminary agreement: fixes the main terms of the deal and the amount of the deposit (10%).
5. Legal clearance check: request for all necessary documents.
6. Signing of the final contract: notarisation and transfer of ownership.

Prices and investment attractiveness of property in Krakow

Flat prices in Krakow continue to rise due to high demand. In central areas the price per square metre reaches 7000-8000 euros, while in remote areas it starts from 3000 euros. Price growth of 5-7% annually makes property in Krakow an attractive asset.

Rental investments are especially favourable for foreigners. The average cost of a flat in the centre is 600 euros per month, which provides a stable income. Krakow remains popular among students and tourists, which guarantees constant demand….

Conclusion

Buying a property in Krakow requires preparation, but offers the prospect of a better quality of life and a stable income. Choosing the right neighbourhood, thoroughly checking the documents and following all stages of the transaction will help to make the process comfortable and safe.

Poland has become one of the most popular destinations for Russians looking for stability and opportunities in Europe. The proximity of cultures, an understandable language and economic attractiveness make this country convenient for life. However, not everything is so simple: the pluses are combined with objective minuses. Let’s look at life in Poland for Russians in detail in order to understand whether it is worth moving to this country.

Moving to Poland for Russians: where to start a new stage of life?

Moving abroad requires careful preparation and knowledge of all legal intricacies. Poland offers several options for emigration and understanding these paths simplifies the process. Visa, documents, housing and finances – each of these steps requires attention.

Documents and visas for relocation

The most popular option for Russians is the D-type work visa, which allows you to work and stay in the country for up to 180 days a year. For longer stays, a residence permit is required.

List of required documents for a visa:

1. A passport with a validity of at least six months.
2. A work contract or an official invitation from a Polish employer.
3. Health insurance of at least 30,000 €.
4. Completed visa application form with up-to-date details.
5. A receipt for the consular fee – about 60 €.
6. Photographs of the prescribed format (3.5 × 4.5 cm).

Filing of documents takes place at consulates or visa centres. It takes up to 15 working days to process an application, but during the season it can take up to a month.

Alternative options for moving to Poland:

1. Study visa for admission to Polish universities.
2. Business visa for entrepreneurs planning to open or develop a business in Poland.
3. Family reunification visa if relatives already reside in the country.

The country also attracts highly skilled professionals through the EU Blue Card, which provides residence permits for professionals.

Timing and nuances of obtaining a residence permit

Obtaining a residence permit takes from 3 to 6 months. The process requires the preparation of additional documents such as proof of financial solvency and residence. The application is submitted at the Office for Foreigners. Successfully obtaining a residence permit allows you to legally work and live in the country, and gives you the right to move freely within the Schengen area.

The benefits of living in Poland for Russians start already at this stage due to transparent rules and relatively simple emigration procedure.

Pros and cons of living in Poland for Russians

Emigrating to another country always comes with expectations and realities. The advantages and disadvantages of living in Poland will help to form an objective view of the new reality for Russians.

Benefits:

1. Economic stability: the average salary in the country is around 1200-1500 € per month. For specialists in IT or medicine, incomes can reach 2500-3000 €. Poland is actively developing and the labour market offers many opportunities for career growth.
2. Low cost of living: Compared to other EU countries, Poland enjoys affordable prices for food, housing and transport. Living in major cities requires less financial outlay than in Germany or France. For example, a basic food basket costs about 200 € per month.
3. Cultural proximity: the Polish language is quite similar to Russian, which makes adaptation easier. The mentality of Poles is also close to Russians, which helps to find a common language faster.
4. Convenient geographical location: Poland borders Germany, the Czech Republic, Slovakia and the Baltic States. Convenient location allows you to travel all over Europe without spending a lot of time and money.
5. Quality medicine and education: Polish universities offer a high level of education and medical centres are equipped with modern equipment.

Disadvantages:

1. Bureaucracy: the paperwork process can be time-consuming and require extra effort. The staff of state agencies strictly observe formalities.
2. Language barrier: despite the similarity of languages, professional and legal vocabulary requires additional learning. To get a prestigious job, it is necessary to be fluent in Polish.
3. Climatic conditions: Polish winters are cold and windy. Temperatures often drop to -10 °C, and spring and autumn can be rainy and grey.
4. Sceptical attitudes towards migrants: although attitudes are more loyal in large cities, in smaller communities there is distrust of foreigners.

Жизнь в Польше для русских сочетает экономические преимущества и бытовые вызовы. Тщательная подготовка помогает минимизировать негативные аспекты.

Cost of living in Poland: monthly budget

The cost remains one of the most affordable among EU countries. Spending depends on the city, lifestyle and needs. On average, a family of four spends about 2000-2200 € per month, while one person only needs 800-1000 € for a comfortable stay.

Housing and utilities:

1. Rent a flat in Warsaw: 800-1000 € per month.
2. Renting a flat in Krakow or Gdansk: 600-700 €.
3. Rent in small towns: 400-500 €.
4. Utility bills: 150-200 € per month.

Groceries and transport:

1. Food basket: 200-300 € per month per person.
2. Bread: 1 €.
3. Milk: 0.90 €.
4. Meat: 7-10 € per kilo.
5. Monthly pass: 40 €.

Work in Poland for Russians: opportunities and prospects for a better life

Working in the country offers many prospects for those who are ready to adapt and develop. Poland actively attracts foreign specialists, especially in such fields as IT, construction, medicine, logistics and service. The average salary varies depending on qualifications and city.

Popular occupations and salaries:

1. IT specialists: developers, testers and analysts receive between 2000 and 4000 € per month. Polish companies are actively developing in the technological sphere and offer both office and remote work.
2. Builders and working professions: the salary of bricklayers, welders and electricians is 1200-1800 €. The construction industry in Poland is experiencing a constant shortage of skilled labour.
3. Health workers: doctors and nurses receive between 1500 and 3000 € depending on experience and specialisation. In order to work in the medical field, you need to prove your diploma and pass a Polish language test.
4. Logistics and transport: truck drivers earn about 1800-2200 €, which makes this profession one of the most demanded among Russian migrants.

How to find a job in Poland?

1. Labour exchanges: public and private labour exchanges offer vacancies for foreigners.
2. Job search sites: popularne resources – Pracuj.pl, OLX.pl, LinkedIn.
3. Employment agencies: companies help with job search, paperwork and adaptation.

Poland actively supports labour migration, and life for Russians in Poland is becoming easier due to the demand for workers.

Property in Poland: renting and buying a home

Property in the country attracts with affordable prices and transparent rules of registration. For Russian emigrants, buying a home becomes a good investment and a way to ensure stability:

1. Flats in Warsaw: 3000-4000 € per square metre.
2. Krakow and Wroclaw: 2500-3500 € per square metre.
3. Small towns: 1500-2000 € per square metre.

Conclusion

Life in Poland for Russians offers many advantages – from economic stability to cultural proximity. However, adaptation requires effort and readiness for new challenges. With the right preparation, moving to this country will be a successful and comfortable step towards a new life.

Poland has long ago ceased to be only a country for tourism and business. Today, more and more foreigners decide to buy a flat in Poland to start a new life or to invest profitably in the local property market. The country offers not only affordable prices and high quality of life, but also an abundance of cultural attractions and cosy places to live.

Peculiarities of buying property in Poland for Russians

The Polish property market is attracting more and more foreigners, but there are important nuances to consider. Firstly, a purchase permit is required in some cases, especially when it comes to buying a plot of land or a house outside cities. For example, to buy a country house with a plot of land, you need to apply to the Ministry of Interior and Administration, which can take about 3-4 months.

The average cost of flats in Poland varies from 2,000 to 4,000 euros per square metre, depending on the city. Each offers its own advantages:

1. Warsaw: a metropolitan city with a developed infrastructure, cultural centres and numerous business districts. Important business centres such as the Warsaw Financial Centre are located here.
2. Krakow: the cultural heart of the country, famous for its castles and universities. Life here is close to attractions such as Wawel Castle and Market Square, as well as many museums and theatres.
3. Poznan: popular with families due to its quality infrastructure and lower housing prices. It is home to excellent schools and parks such as Citadel Park.

Step-by-step guide: how to buy a flat in Poland

Buying can seem like a complicated procedure, especially if you are dealing with foreign bureaucracy for the first time. However, by following certain steps and having the right information at hand, you will be able to go through all the steps with ease and confidence. In this section, we will discuss in detail how to choose the right property, what documents to collect, and what to look out for when working with real estate agencies.

1. determining the budget and choosing the type of accommodation

The first step in buying a flat in Poland is to determine your budget. Prices vary depending on the city and type of housing. For example, you can buy a studio in Poland in Warsaw for 120,000 to 150,000 euros, while in smaller cities such as Lodz or Bydgoszcz, prices start from 70,000 euros.

In addition to the cost of the flat, you need to consider the cost of taxes and commissions:

1. Civil Action Tax (PCC) – 2% of the value of the flat.
2. Real estate agency commission – 2-3%.
3. Notary costs are about 2 per cent.

2. Obtaining authorisation to purchase

Foreigners need a permit to buy property in Poland. This document is issued by the Ministry of Interior and Administration. To obtain it you will need:

1. Passport.
2. Proof of financial means (income certificate).
3. Documents on your stay in Poland (if you are already in the country).
4. A statement justifying the reason for the purchase of the property.

The process can take anywhere from 1 to 3 months, so it is important to start early.

3. Finding a flat and working with an agency

Once you have received authorisation, start looking for a flat. At this stage, it is best to use the services of a real estate agency, which will help with the legal verification of the object and the conclusion of the transaction. The agency’s commission is usually 2-3% of the transaction value. This will give you confidence that all the documents are in order and the purchase will go smoothly. It is important to check for a current extract from the land register (Księga Wieczysta) to make sure there are no debts or restrictions on the property.

4. Preliminary agreement

When an object is found, a preliminary contract is concluded – Umowa przedwstępna, where the key terms of the transaction are fixed. The deposit is 10-20% of the value of the object. This contract protects the buyer from possible risks on the part of the seller. The agreement should spell out all the terms and conditions of the purchase, including the value of the object, the terms of transfer and the responsibility of the parties.

5. Finalisation of the transaction

The contract is formalised by a notary. A lawyer records the transaction and after that the property is registered in the land register (Księga Wieczysta). The services of a notary cost about 2% of the value of the property, and a civil action tax (PCC) of 2% is also charged.

New or second-hand housing in Poland: where to buy a flat?

New buildings offer modern living conditions. The cost of such properties in Warsaw and Krakow starts from 3,000 euros per square metre. They are often located in gated residential complexes, which adds a level of security and comfort. Buyers of new buildings can count on quality guarantees from the developer, as well as lower maintenance costs, as modern buildings are built with energy efficiency in mind.

Secondary housing is most often located in central city districts and can offer a unique atmosphere associated with the history of the building. But it is worth considering that such properties may require remodelling. The cost of renovation ranges from 500 to 800 euros per square metre depending on the scope of work. Buying secondary housing can be more cost-effective, but requires additional effort to renovate and adapt to modern standards.

Mortgage for foreigners: how to get financing in Poland

Foreign buyers can easily apply for a mortgage to buy a flat in Poland. A down payment of 20-30% of the value of the flat is required. Interest rates are 3-4% per annum, which makes the conditions quite attractive compared to other EU countries. PKO Bank Polski and Santander Bank Polska actively co-operate with foreigners, offering different mortgage products.

The stages of obtaining a mortgage:

1. Pre–approval. To start the process, get pre-approved for a mortgage to see what kind of budget you can expect.
2. Filing Documents. Bank statements, proof of income, and NIP (Taxpayer Identification Number) are required. Often banks also require life or property insurance.
3. Signing of the mortgage agreement. The bank and the borrower sign the contract, after which the bank transfers funds to the seller. It is also necessary to register the mortgage at the land registry.

Conclusion

The country offers a wide range of opportunities for those who want to live in the heart of Europe, invest in a stable economy and enjoy a high standard of living. Buying a flat in Poland is a good investment, especially as prices continue to rise and rental demand also remains stable. The ease of obtaining a mortgage, quality infrastructure and security make the country an ideal place for both investment and permanent residence.

Invest in your future today and enjoy all the benefits of living in Europe, from high levels of education to a quality medical system and a stable economic climate.

Warsaw is experiencing a real building boom – neighbourhoods are growing like mushrooms after rain. But the question is not about quantity, but quality: where is it really worth buying to enjoy life and not just to pay a mortgage? This overview will help you choose the best Warsaw neighbourhood for property investment.

Mokotów district: elegance and cosiness

Mokotów is the heart of Warsaw, where luxury real estate neighbours cosy parks and historic buildings. This area is perfect for those who prefer comfort and proximity to the centre of the capital, but also appreciate a quiet atmosphere and greenery. There are many parks in Mokotów, such as the Mokotów Field, where you can spend your weekends relaxing from the hustle and bustle of the city.

The area is also famous for its developed infrastructure. The best educational institutions are located here, including the University of Warsaw and several international schools, making it attractive for families. Public transport is well-developed: metro lines, trams and buses provide easy access to the city, making the area one of the most convenient places to buy a home in Warsaw.

Benefits for property buyers

Buying a flat in Warsaw’s Mokotów neighbourhood brings many advantages. The location combines the convenience of living within the city and proximity to green areas. The safety of the neighbourhood also attracts many families with children. The location offers a wide range of properties, from modern new buildings to historic Warsaw mansions.

For those looking for access to good infrastructure, this neighbourhood becomes the best option. Shopping centres, restaurants and cultural institutions are at every step. For example, Galeria Mokotów offers a rich selection of shops and restaurants for every taste.

Property values and trends in the Mokotuwa property market

At the moment, flat prices in Warsaw, especially in the Mokotów area, range from 12,000 to 16,000 PLN per square metre, depending on the location and condition of the property. Over the past three years, the price of metres here has steadily increased by 5-7% per year due to strong demand from buyers.

Viljanuv: life amidst greenery and luxury

Wilanów is an oasis of peace and quiet. It is home to Warsaw’s prestigious apartments, which are neighboured by luxurious private properties and modern residential complexes. The neighbourhood is famous for its historical sites, such as the Wilanów Palace, and vast green areas suitable for walking and sports.

The area also has a well-developed educational infrastructure, including international schools, making it attractive to families with children, especially expats. Viljanuv provides a high level of comfort, offering residents plenty of opportunities for outdoor activities, including cycle paths and sports facilities.

Advantages of living in Wilanów

For those looking for luxury property to buy in Warsaw, Wilanów becomes an obvious choice. In contrast to the city centre, the area is quiet, with low building density and an exceptional level of comfort. Wilanów is ideal for those who appreciate high quality of life and are willing to invest in it.

Features:

1. Clean air and absence of industrial enterprises.
2. Low density development, which means less noise and more space for each resident.
3. High level of security, thanks to gated apartment complexes and security patrols.
4. Lots of green areas, such as Viljanów Palace Park, where you can enjoy walks and outdoor activities.
5. Developed infrastructure, including international schools, making the area particularly attractive for families with children.
6. Great facilities for active lifestyles: bike paths, sports fields and fitness centres.
7. High class restaurants and gourmet cafes for a pleasant stay.

Prices and investment opportunities

Investments in property in Warsaw’s Wilanów district are attractive due to the steady increase in the value of properties. The average price of flats is around 14,000-18,000 PLN per square metre, which is above the city average. This is due to the prestige of the neighbourhood and the high demand for elite housing.

Investors often choose Wilanów for renting out flats, as the area is popular among foreign professionals and families with high incomes. The predicted rise in property prices makes this part of Warsaw attractive for long-term investments.

Ursus: cosiness and accessibility for families

Ursus is one of the most actively developing districts of the capital. New buildings are actively appearing here, offering modern and affordable flats in Warsaw for those looking for reasonably priced accommodation. Ursus attracts attention due to its good transport connections with the rest of the city and excellent infrastructure. The neighbourhood is suitable for young families thanks to numerous kindergartens, schools and green areas for walking.

Benefits for families

For those looking for where to buy a flat in Warsaw cheaply, Ursus is an excellent choice. This neighbourhood provides excellent living conditions for young families, including affordable flats and well-developed infrastructure. The average cost per square metre of housing in Ursus is around 9,000-11,000 PLN.

In addition, this part of the capital has many parks and public spaces, such as Achilles Park, where you can spend time outdoors. Ursus also boasts sports complexes and playgrounds, making it an attractive place for families.

Prices and dynamics of the secondary housing market

Secondary housing in Warsaw’s Ursus neighbourhood remains one of the most affordable options. The average cost is around 10,000 PLN per square metre. Prices in the area are rising moderately, which makes it a good option for those who want to buy a flat for personal use or to rent out. Ursus also attracts investors due to its good liquidity and affordable Warsaw property values.

Conclusion

Choosing a Warsaw neighbourhood to buy a property is an important step that will affect your quality of life. Mokotów, Wilanów and Ursus are three different but equally attractive locations, each offering its own advantages and opportunities for future owners. Mokotów will suit those looking for prestige and convenience in the city centre, Viljanów for lovers of luxury and tranquillity, and Ursus for young families seeking cosiness and affordability. Regardless of the chosen neighbourhood, Warsaw real estate remains a profitable investment in the future.