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Guide ·

Buying property in Poland as a foreigner — the MSWiA permit

An apartment — yes, a house with land — usually with a permit. Here's when a foreigner needs MSWiA consent and how it affects a mortgage.

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In short
  • A self-contained apartment — no permit needed.
  • A house with land or a plot — usually an MSWiA permit (non-EEA citizens).
  • Exceptions include 5 years after receiving permanent or EU long-term residence.
  • EEA and Swiss citizens don't need a permit.

Apartment without a permit

Buying a self-contained apartment (with its own land register) requires no permit. This also covers a share in a garage linked to the apartment.

House and land

Buying a house with land or a plot as a non-EEA citizen usually requires a permit from the Minister of Interior and Administration (MSWiA). The procedure can take several months.

Exceptions

  • Living in Poland for at least 5 years after receiving permanent or EU long-term residence
  • Spouse of a Polish citizen — if statutory conditions are met
  • EEA and Swiss citizens

Impact on your mortgage

A bank won't pay out a loan for a house without the required permit. We plan the timeline so the permit and credit decision don't clash.

FAQ

Questions and answers

01Can a Ukrainian buy an apartment in Poland?

Yes, a self-contained apartment without a permit — with cash or a mortgage.

02How long does an MSWiA permit take?

Usually from a few weeks to a few months, depending on how complete the application is.

03Does a terraced house need a permit?

If bought with land — as a rule yes, for non-EEA citizens.

Sources

· Kostiantyn Soldatko, mortgage intermediary agent (KNF RHA0020112)

Guide

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