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Poland · PLN

Buyin Warsaw

Property conveyancing in Warsaw is executed as a notarial deed (akt notarialny) before a Polish notariusz and registered in the electronic Land and Mortgage Register (Księga Wieczysta).

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.

Secondary market transactions incur 2% Civil Law Transactions Tax (PCC), exempt for qualifying first-time buyers. Primary developer purchases are subject to 8% VAT (included in price) and 0% PCC.

Under the Polish Developer Act (Ustawa Deweloperska), off-plan purchases are safeguarded by mandatory closed or open escrow accounts (rachunek powierniczy) and the Developer Guarantee Fund (DFGW).

FAQ

Can foreigners buy apartments in Warsaw?
Yes. Foreign nationals can freely purchase independent residential apartments in Warsaw without Ministry of Interior permits.
What is a Księga Wieczysta?
The official electronic land register confirming ownership, property description, mortgage encumbrances, and third-party rights with statutory public credibility.

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