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Polish Real Estate Market

How to buy apartment in Warsaw Poland

Whether you're looking to settle down, secure a rental income, or invest in a growing market, this guide will help you navigate the process of how to buy an apartment in Warsaw Poland seamlessly.

Whether you're looking to settle down, secure a rental income, or invest in a growing market, this guide will help you navigate the process of how to buy an apartment in Warsaw Poland seamlessly.

Warsaw, the capital of Poland, is a vibrant city that blends historical charm with modern conveniences, making it one of the most attractive destinations for real estate investment in Europe.

Why Buying an Apartment in Warsaw Poland?

1. Strong Investment Potential

Warsaw’s real estate market continues to thrive, offering:

  • High Rental Demand: The city's status as an economic and cultural hub ensures a steady stream of tenants.
  • Property Appreciation: Real estate in Warsaw appreciates steadily, providing excellent long-term returns.

2. Affordable Prices Compared to Western Europe

Despite being a capital city, Warsaw’s apartment prices remain competitive, especially compared to cities like Berlin, Paris, or London.

3. Urban Amenities and Connectivity

Warsaw boasts excellent infrastructure, green spaces, and public transportation, making it an ideal location for both residents and investors.

Can Foreigners Buy an Apartment in Warsaw Poland?

Yes, foreigners can easily buy apartments in Warsaw Poland, especially urban apartments and commercial properties.

  • No Permit Needed: For apartments in cities like Warsaw, foreign buyers do not need a special permit.
  • Restricted Properties: Land purchases or agricultural plots may require permits, but this does not apply to most residential apartments.

Step-by-Step Guide to Buy Apartment in Warsaw Poland

Apartment in Warsaw

1. Research the Market

Start by exploring Warsaw’s real estate market:

  • Popular Districts: Śródmieście (city center), Mokotów, Wilanów, and Żoliborz are highly sought-after areas.
  • Pricing Trends: Average apartment prices in Warsaw are ~16 021 PLN/m² as of 2024.

2. Secure Financing

If you’re not paying in cash, securing financing is essential:

  • Polish Mortgages: Many local banks offer mortgages to foreigners with a 20–30% down payment.
  • Foreign Currency Loans: Some banks provide loans in EUR or USD for non-residents.
  • Documents Needed: Proof of income, credit history, and identification are required.

3. Engage a Real Estate Agent

Hiring a professional agent is highly recommended for foreign buyers:

  • Expertise in Local Market: Agents know the best areas and properties in Warsaw.
  • Language Barrier Solutions: They assist with translations and legal terms.
  • Negotiation Assistance: Helps secure favorable terms for your purchase.

4. Conduct Legal Due Diligence

Ensure the property is free from legal complications:

  • Title Verification: Confirm the seller’s ownership and absence of liens.
  • Zoning Compliance: Ensure the apartment adheres to local regulations.

5. Sign a Preliminary Agreement

Once you’ve chosen a property:

  • Sign a Preliminary Sale Agreement (umowa przedwstępna) to reserve the property.
  • This agreement outlines the price, terms, and penalties for withdrawal.

6. Finalize the Purchase

The final agreement is notarized by a Polish notary, who ensures the sale complies with Polish law.

  • You’ll pay the remaining purchase price and transfer ownership.

7. Register the Property

After purchase, register the apartment in Poland’s Land and Mortgage Register (księga wieczysta) to formalize ownership.

Costs Associated with Buying an Apartment in Warsaw Poland

1. Purchase Price

Apartment prices vary by location and size. Prime areas like Śródmieście have higher prices than suburban districts.

2. Taxes and Fees

  • PCC Tax: 2% of the purchase price (for secondary market properties).
  • VAT: Included in the price for new builds (8% or 23%).
  • Notary Fees: Typically 0.25–2% of the property’s value.
Notary fees in Warsaw table
Notary fees in Warsaw
  • Real Estate Agent Fee: Usually 2–3% of the purchase price.

3. Ongoing Costs

  • Property Management Fees: Cover communal services like security and maintenance.
  • Property Tax: Based on the apartment’s size and location.

Best Districts to Buy Apartment in Warsaw Poland

1. Śródmieście (City Center)

  • Why Invest? Close to business hubs, cultural landmarks, and nightlife.
  • Ideal For: Professionals, tourists, and luxury rental properties.

2. Mokotów

  • Why Invest? Family-friendly with parks and excellent schools.
  • Ideal For: Families and long-term rental properties.

3. Wilanów

  • Why Invest? Known for its modern housing developments and green spaces.
  • Ideal For: Expats and high-income tenants.

4. Żoliborz

  • Why Invest? Quiet and charming with boutique shops and cafes.
  • Ideal For: Young professionals and retirees.

FAQs About Buying Apartments in Warsaw Poland

1. Do foreigners need a permit to buy an apartment in Warsaw?

No, foreigners do not need a permit to buy residential apartments in Warsaw.

2. Can I get a mortgage in Poland as a foreigner?

Yes, many Polish banks offer mortgages to foreigners, but you’ll typically need a 20–30% down payment.

3. Are there additional costs besides the purchase price?

Yes, additional costs include taxes (PCC or VAT), notary fees, and real estate agent commissions.

4. How long does it take to buy an apartment in Warsaw?

The process usually takes 1–3 months, depending on financing and legal requirements.

5. Is buying an apartment in Warsaw a good investment?

Yes, with high rental demand, stable property appreciation, and affordable prices compared to Western Europe, Warsaw offers excellent investment potential.

Investing in an apartment in Warsaw isn't just about owning property; it's about securing a stake in one of Europe's fastest-growing and most dynamic cities.

Conclusion

Buying an apartment in Warsaw Poland is an exciting opportunity to own property in one of Europe’s most dynamic capitals. Whether you’re looking for a home or an investment, understanding the process, costs, and market trends is crucial. By partnering with experienced professionals and conducting thorough research, you can confidently navigate the process and secure your dream apartment in Warsaw.

Ready to start your property journey? Contact us today to explore available apartments in Warsaw and make your investment goals a reality!

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