Can a foreigner buy an apartment in Poland?

Yes, an apartment can be bought without a permit. An MSWiA permit is needed for plots and houses with land, with some exceptions.

Can I get a mortgage with a temporary residence card?

Yes, at some banks. A down payment of 10–20% is usually required.

When is a permit needed to buy a plot?

When a foreigner from outside the EU buys land. We will check whether an exception applies to you.

How long does the purchase take?

With a mortgage, usually 2–3 months from choosing the property.

What are the additional costs?

PCC tax (on the secondary market), the notary, the entry in the księga wieczysta and bank fees.

Do you help with renovation?

Yes, we do turnkey renovations.

Real estate in Warsaw and Poland — safe from search to keys

Mortgage, search, due diligence, notary and renovation — one team that understands foreigners.

What we do

Our strength

Permit for foreigners to buy a plot (zezwolenie MSWiA)

We work with legalization procedures every day, so we know how to prepare an application to MSWiA that gets processed without unnecessary questions.

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Mortgages for foreigners

Offers from several banks matched to your status and income.

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Help buying a home

Search, due diligence, negotiation.

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Selling property

Valuation, buyers, documents.

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Transaction support

Checking the księga wieczysta, notary, agreement.

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Buying plots

Checking zoning, utilities and documents.

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Turnkey renovations

From design to handing over the apartment.

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Additional services

Permit for foreigners to buy land (MSWiA)3000 zł

How a purchase with DomX works

Consultation and budget

Finding a mortgage

Searching for and checking the property

Negotiation and agreement

Notary

Keys (and renovation if you wish)

Why DomX

One team handles everything

Permit, mortgage, purchase and renovation.

Legal due diligence

We check every property before signing.

Experience with foreigners

We know what the bank and the notary need from you.

Who handles your purchase

Kateryna · Legalization, loans and real estate specialist

Kateryna supports purchases, sales and mortgages from the first consultation to the notary. Renovations are carried out by trusted DomX partners.

Frequently asked questions

You may also need

PhinanceX

Home insurance

Protect your new apartment from day one.

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Permanent residence / Polish citizenship

A stable status for those who have already settled in.

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Request to DomX

Leave your contact details and a specialist will contact you within one business day.