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Poland · PLN

Warsawreal estate

Warsaw is Poland’s financial and corporate center — Mokotów, Śródmieście and Wola drive dynamic rental yields with notarial deed conveyance and 2% PCC tax on secondary resales.

Registry path
Title checked
3D map
2%PCC on resales, 0% on VAT primary
Akt notarialnythe notarial deed that transfers title
EEA freepermits only for non-EEA plots
Kaucjathe deposit, one to three months
What a purchase really costs

800 000 zł home in Warsaw

PCC (2% civil transaction tax) (2%)
16 000 zł
Notariusz & court fees (≈0.5%)
4000 zł
Cash needed at closing
820 000 zł

≈ +2.5% over the price. PCC is 2% on the price or market value (whichever higher), exempt on the primary market where the developer charged VAT. The notariusz drafts the akt notarialny — the only form that transfers real estate. Foreigners from the EEA buy freely; others need Ministry of Interior permit only for certain plots (the 2024 Polish diaspora rules eased most cases).

Rentals run on rules

The rent side, in three lines

  • Deposits run one to three months, held often as “kaucja” in a deposit account.
  • Leases commonly run 12 months with a 3-month notice.
  • The najem okazjonalny (occasional lease) adds tenant-termination power for landlords — know which contract you sign.

Warsaw prices off finance and IT; Kraków off tourism and students; Tricity off the Baltic boom.

Transactions complete before a Polish notariusz and are recorded in the electronic Land and Mortgage Register (Księga Wieczysta). Secondary purchases incur 2% PCC tax, while off-plan developments are protected by escrow accounts under the Developer Act.

The rental market benefits from strong domestic and international demand, with landlords frequently utilizing the occasional lease (najem okazjonalny) format with notarial execution declarations.

Buy in WarsawRent in Warsaw

FAQ

Can foreigners buy apartments in Warsaw?
Yes. Foreign nationals can freely purchase independent residential apartments in Warsaw without requiring a Ministry of Internal Affairs permit.
What is najem okazjonalny?
An occasional lease contract where the tenant signs a notarized submission to voluntary enforcement, providing structured security for private landlords.

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