How to buy an apartment in Poland as a foreigner in 2026

Planning to buy an apartment in Poland? In 2026, the real estate market remains a stable tool for investment and legalization. However, the purchase procedure has its nuances that every foreigner should know.

LEGAL GROUNDS AND RESIDENCY CARD

A vital factor is your residency card (Karta Pobytu). While buying a standard apartment (lokal stanowiący odrębną własność) does not require Ministry of Interior permission, having temporary or permanent residency significantly simplifies getting a mortgage. Without legal status, many banks may refuse lending, so we recommend starting document preparation early.

PROPERTY SELECTION: PRIMARY VS SECONDARY MARKET

If your goal is a new build, it is critical that the chosen developer has an impeccable reputation. Our ByHome team audits every developer, checking the history of completed projects and financial reports before offering them to you.

On the secondary market, we pay special attention to checking the Księga Wieczysta (Land Register) to exclude hidden debts or encumbrances.

ADDITIONAL COSTS UPON PURCHASE

• PCC Tax: 2% of the value on the secondary market.
• Notary Fees: Payment according to state-established tariffs.
• Court Fees: Entries in registers and land books.

WHY BYHOME?

We offer full transaction support: from selecting properties from private databases to signing the final act at the notary. We speak your language and know all the pitfalls of Polish legislation.