Real estate in Poland

Education system in Poland: what you need to know before moving

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Migration to Europe is becoming more conscious: families planning long-term residence abroad consider the level of school and bachelor’s education as a decisive factor. Poland is a country that combines affordability, European quality, and wide integration into international academic processes. Before moving, it is important to understand how the education system in Poland is structured, what stages of education exist, what the structure of universities looks like, and what parents, students, and investors should pay attention to.

General structure of the education system in Poland: from kindergarten to university

Education is divided into several sequential stages. It starts with preschool education, then goes through primary, secondary, and higher education. State institutions provide services for free, private ones for a fee. Each stage is regulated by the Ministry, and operates under a unified standard.

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The Polish education system implies compulsory education until the age of 18. After primary school, students move on to lyceums or technical schools. The graduation exam — Matura — gives the right to enter university.

Preschool and primary stage: stress-free start

At the age of 3 to 6, children attend przedszkole — a kindergarten equivalent. In the final year of preschool education, a child prepares for school. Parents can choose between a state or private institution.

The education system in Poland emphasizes a playful and psychological approach, fostering interest in learning from an early age. At 7 years old, a child goes to primary school, where they study for 8 years — first in junior classes, then in senior ones.

Intermediate level: specialized development and Matura

After primary school, teenagers choose to continue their education in a lyceum (academic orientation) or technikum (technical training). Education lasts for 4 or 5 years depending on the chosen direction.

The stage is completed with the Matura exam, without which it is impossible to enter university. It includes tests in Polish, mathematics, a foreign language, and additional subjects.

The features of education in Poland at this level include early career orientation, subject choice based on interests, and equal opportunities for all students.

Higher education in Poland: universities and the Bologna Process

Since 2007, the country has been fully integrated into the Bologna Process. Higher education is divided into three levels: bachelor’s (3–4 years), master’s (1.5–2 years), and doctoral (3–4 years). Universities offer education in Polish and English.

Popular fields include IT, medicine, architecture, business, and engineering. Many programs are available to foreigners on a commercial or scholarship basis. The education system in Poland includes prestigious universities such as the University of Warsaw, Jagiellonian University in Krakow, and Wroclaw University of Science and Technology.

Education system in Poland for foreigners: integration and accessibility

Every year, tens of thousands of students from Ukraine, Belarus, Kazakhstan, India, Nigeria, and Arab countries come to the country. Education in this Central European country remains one of the most accessible in the EU. There are no entrance exams — admission is based on document competition.

The internationalization of the system allows choosing programs in English, participating in exchanges, Erasmus+ projects, and obtaining a European diploma recognized throughout Europe.

Inclusivity and equal opportunities

Great attention is paid to supporting children with special educational needs. Inclusivity is implemented through access to adapted programs, educational assistants, psychologists, and speech therapists. Students with limited abilities can attend both specialized and regular schools.

The education system in Poland promotes equal rights for all participants in the process: socially vulnerable groups, migrants, children of refugees. All students have access to free knowledge regardless of family status.

Investments and housing: what parents and students should pay attention to

Many families consider investing in Polish real estate as a way to combine having a child and financial stability. Buying an apartment in a university city reduces rental expenses and can generate income from renting out. With the growing number of students, the demand for apartments near campuses remains consistently high.

To obtain permanent residency, it is important to live for a minimum of 5 years, some of which can be spent on a student visa. The educational process becomes one of the channels for legalization, and real estate becomes an asset in a stable economy.

Programs, research, and career prospects

Bachelor’s and master’s programs combine academic theory with practice. Students participate in research, internships, and projects with companies. Polish universities actively cooperate with firms from the EU, UK, and USA.

Graduates have career opportunities in Europe and beyond. With a diploma and language skills, there is a chance to work in an international company, stay on a work visa, or start a business.

Key advantages of the education system in Poland

Below are the key advantages that make studying in the country attractive:

  • affordability — state education is free, private education is inexpensive;
  • international recognition of diplomas;
  • participation in the Bologna Process;
  • emphasis on career orientation;
  • inclusivity and equality of rights;
  • admission without entrance exams;
  • wide selection of programs in English;
  • student visa — a path to legalization.

These factors make the education system in Poland a worthy alternative to other EU countries.

Important nuances to consider

Despite numerous advantages, parents and students should consider a number of points:

  • education in Polish requires preparation (years of courses);
  • limited program choices in small towns;
  • high competition in top universities;
  • some private schools and universities lack accreditation;
  • the system is still adapting to modern standards;
  • scholarships are limited — often paid education;
  • bureaucracy in visa and document processing may take time.

These points are not considered barriers, but require advance planning and a sober assessment of one’s capabilities.

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Education system in Poland: the main points

For many families, young professionals, and students, the education system in Poland is not just a step towards knowledge, but also a strategy for long-term integration into Europe. The combination of quality, affordability, and international recognition makes it a logical choice in 2025.

When choosing a school or university, it is important to consider the location, accreditation, program language, and goals — academic or immigration. With a thoughtful approach, the Polish state can become a reliable start for a child, investor, or professional!

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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.

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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

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  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;

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  • 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;

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  • 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.