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Poland – Property Financing

Mortgages for Foreign Nationals in Poland

Poland, with its rich history and growing economy, has become an appealing destination for property investment. Whether you are a local resident or a foreign national, obtaining a mortgage can be a significant part of financing your property purchase in Poland. However, if you are a foreign national, you may have questions about whether local banks or other lenders are willing to issue mortgages to non-residents in Poland.

Fortunately, Poland has a well-developed real estate market, and many local lenders are open to providing mortgages to foreign nationals interested in buying property in the country. While there may be specific requirements and documentation needed, securing a mortgage as a non-resident is generally feasible, making it easier for international investors to participate in Poland’s real estate market.

Local Lenders Offering Mortgages in Poland

When considering a mortgage for your property purchase in Poland, there are several local lenders you can explore:

  • mBank: mBank is one of Poland’s leading banks and offers a range of mortgage products, including options for foreign nationals. They have experience working with non-resident buyers and can assist you in securing financing for your property.
  • Powszechna Kasa Oszczędności Bank Polski (PKO Bank Polski): PKO Bank Polski is one of the largest and most established banks in Poland. They provide mortgage services to foreign nationals and offer competitive interest rates and terms suitable for non-resident buyers.
  • Santander Bank Polska: Santander Bank Polska, part of the international Santander Group, also offers mortgage solutions to foreign nationals. They have a dedicated team to guide non-resident buyers through the mortgage application process and provide financial advice.

These local lenders are experienced in working with foreign nationals and can help you choose the right mortgage product for your investment in Poland.

Minimum Deposit Requirements for Property Purchase

One of the essential factors to consider when buying property in Poland, regardless of your nationality, is the minimum deposit requirement. The deposit, also known as the down payment, is a significant upfront payment that you must make to secure your property purchase. The specific amount required can vary based on several factors, including the lender’s policies, the property’s value, and your financial situation.

Typically, local banks and lenders in Poland may require a minimum deposit of around 20% to 30% of the property’s purchase price. However, deposit requirements can vary, so it’s advisable to check with your chosen lender for the most up-to-date information. The deposit serves as a commitment to the property purchase and provides security for the lender.


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Additionally, some developers and real estate agents in Poland may offer financing packages with lower deposit requirements for specific properties or developments. These packages can be appealing to both local and foreign buyers, so it’s worth exploring different options to find the best fit for your financial situation.

Responsibility for Outstanding Debts on the Property

As a property owner in Poland, whether you are a local or a foreign national, you take on certain responsibilities, including the potential obligation to address outstanding debts associated with the property. Understanding these responsibilities is essential to a smooth property transaction.

In Poland, property-related debts, such as property taxes, utility bills, or unpaid loans secured against the property, are typically attached to the property itself rather than the previous owner. When you purchase a property, you may inherit these existing financial obligations.

Before the sale is finalized, a legal process takes place to ensure that any outstanding debts related to the property are settled by the seller. The notary or legal representatives involved in the transaction will conduct thorough checks to identify and clear any existing financial liabilities. This process ensures that you take ownership of the property without the burden of unresolved debts.

It’s crucial to engage with experienced legal professionals and seek advice from your lender to ensure that all necessary steps are taken to protect your interests during the property purchase in Poland. A well-informed and diligent approach can help you avoid any unexpected financial obligations and ensure a smooth transition to property ownership.

By being well-prepared, working with reputable local lenders, understanding the deposit requirements, and knowing your responsibilities, foreign nationals can successfully navigate the process of buying property in Poland and make sound investments in this historically and culturally rich European country.


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