How Belarusian Citizens Can Legally Buy Property in Poland: Step-by-Step Guide

Introduction to Buying Property in Poland

In recent years, more and more Belarusian citizens have been seeking to purchase property in Poland. This may be driven by various reasons, including the desire to improve living conditions, explore business opportunities, or simply find a way out of the political situation in their home country.

In this article, we’ll provide a step-by-step guide for Belarusians who want to comfortably and correctly buy an apartment or house in Poland.

The Status of Belarusian Citizens as Foreigners in the Polish Real Estate Market

First of all, it’s important to note that Belarusian citizens are considered foreigners when buying property in Poland. However, you do not need to have a long-term residence permit to purchase real estate in Poland.

A Belarusian passport is sufficient to start the buying process. This makes property ownership in Poland an accessible option for anyone interested in settling here.

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Poland has historically attracted Belarusians due to cultural and linguistic similarities, as well as better living conditions compared to Belarus. In general, Poles have a positive attitude toward Belarusians, especially compared to other foreign groups, as many people in Poland understand the challenges Belarusians face in their home country.

Main Reasons Belarusians Choose to Buy Property in Poland

Many Belarusian clients approach us with questions about buying property in Poland. One of the key motivations is to escape political repression and economic instability in Belarus.

Many people are also looking for ways to move their capital out of Belarus, and real estate in Poland is seen as a relatively secure and straightforward option.

Step-by-Step Process: How to Buy Property in Poland Correctly?

1. Define your needs and intentions:
   Before you begin searching for property in Poland, ask yourself: Do I really want to own property here? Once you’re sure of your decision, you can move forward confidently.

2. Explore the Polish real estate market:
   At this stage, study the real estate market in Poland. There are many types of properties: apartments, houses, townhouses, etc. Decide what suits your needs best and which areas or cities interest you.

3. Check the property’s legal status:
   Once you’ve found a property, it’s crucial to check its legal standing. This includes ensuring there are no debts, legal claims, or any issues that might complicate the purchase. It’s strongly recommended to consult with a real estate lawyer to ensure everything is legal and safe.

4. Financing the purchase:
   Poland offers various mortgage options for both locals and foreigners. Belarusians are eligible for loans, and interest rates are often comparable to those for Polish citizens. If you plan to buy in cash, that’s also possible. If your money is still in Belarus, you’ll need to legalize its origin and transfer it to a Polish bank account.

5. Completing the transaction:
   If you’re using a mortgage, once you have preliminary loan approval, you should sign a preliminary agreement with the seller and pay a deposit. You can also agree on a payment schedule. For secondary market properties, payment is usually made in full upfront, while for new constructions it may be done in stages.

Banking System and Financial Aspects of Buying Property in Poland

Regarding the financial aspects, it’s worth noting that Polish banks have recently tightened the requirements for opening accounts. Currently, many banks require a residence card (“karta pobytu”) to open an account.

However, some banks still allow account opening if you have a PESEL number, which is relatively easy to obtain. You will also need to provide documents proving the legal origin of your funds — such as salary slips or tax statements.

Taxes on Gifts and Money Transfers

If the money for your property purchase is a gift from your parents, it is not subject to tax in Poland. This allows Belarusians receiving funds from relatives to avoid additional complications.

However, if the money comes from someone who is not a relative, tax consequences may apply.

Conclusion: A Successful Real Estate Purchase in Poland

Buying property in Poland as a Belarusian citizen is a process that requires attention and preparation. But with the right approach and following each step carefully, buying a house or apartment can be a smooth and successful experience, ensuring stability and a better future for you and your family.

If you still have questions or would like to receive more information about buying real estate in Poland — feel free to leave a comment under this video.