Ukrainians can buy apartments in Poland without a residence card: main nuances.

The interest of Ukrainians in purchasing real estate in Poland is increasing. This is due to migration and the desire to invest in a stable EU market. One of the questions that arises is the necessity of having a residence card to buy an apartment.

Ukrainians can buy housing in Poland without restrictions according to local legislation. A residence card is not required for the purchase, only a passport and tax identification number. The apartment buying process involves an agreement, contract signing, and registration of the relevant documents.

Documents for buying an apartment in Poland

To finalize the agreement, Ukrainians need the following documents: a foreign passport, a PESEL or NIP tax identification number, a preliminary agreement, and a notary-certified purchase agreement. The purchase of a new building may include a preliminary agreement that guarantees ownership rights.

Risks and conditions for obtaining a mortgage

The presence of a residence card may affect the ability to obtain a mortgage. Banks in Poland prioritize lending to foreigners with a higher residency status. The absence of a card may lead to stricter lending conditions. Some banks offer loans with tougher conditions, such as a large down payment or a shorter loan term.