Questions and answers

Frequently asked questions

FAQ

General questions

About Marina Buguk
About us

  • 1. Market and property value consultations.
  • 2. Search and selection for purchase or rental.
  • 3. Organizing and conducting viewings.
  • 4. Sale services: valuation, preparation, listings.
  • 5. Document checks and legal due diligence.
  • 6. Price and terms negotiations.
  • 7. Mortgage process support.
  • 8. Document preparation and notary attendance.
  • 9. Apartment handover and protocols.
  • 10. Post-sale assistance: utilities, meldunek, contractor recommendations.

The first consultation is usually free. Detailed consultations may be paid; the price is agreed individually.

Yes, I work with clients from different countries. I speak Polish, Russian, Belarusian, Italian and English.

Popular districts: Stare Miasto (center), Jezyce, Wilda, Grunwald, Nowe Miasto. The choice depends on budget and needs.

Meldunek is a registration at the place of residence. It is needed for many services, opening a bank account and obtaining PESEL.
FAQ

Questions about buying property

  • 1. Passport or other identity document.
  • 2. PESEL number (if you have one).
  • 3. Residential address (for the contract).
  • 4. Spouse consent if the property is bought in marriage (wspolnota majatkowa).
  • 5. Mortgage documents (if buying with a loan):
    • income statements,
    • employment contract/umowa o prace or B2B,
    • bank statements,
    • credit history.
  • 6. Bank account number from which payment will be made.

Yes, a foreigner can buy property in Poland, but the rules depend on citizenship and property type.

Short and clear:
  • 1. EU citizens
    Can buy freely - apartments, houses, land, commercial. No permit required.
  • 2. Non-EU citizens (including Ukraine, Belarus, Russia, Asia, etc.)
    • Can buy without a permit:
      • apartment (lokal mieszkalny) - always;
      • garage if purchased together with an apartment.
    • A permit from the Ministry of Interior (zezwolenie MSWiA) is required if a foreigner wants to buy:
      • a house (dom jednorodzinny),
      • a land plot,
      • agricultural land,
      • commercial property.

PCC tax (Podatek od Czynnosci Cywilnoprawnych) - 2%. There are exceptions.

A notary is a mandatory participant in a property sale in Poland. The notary checks documents and certifies the contract.

Yes, many Polish banks provide mortgages to foreigners who have a residence permit and stable income.

We recommend working with a mortgage specialist from our company who works with foreigners, knows all nuances, and is focused on helping our clients obtain a loan.

Ksiega wieczysta is the land and mortgage register in Poland. It is the main document confirming ownership.

Typically from 2 weeks to 3 months: property search, document checks, mortgage process (if needed), and notary signing.

A preliminary purchase agreement that reserves the property and defines the terms of the main deal.

Property insurance is not mandatory, but recommended. Mortgage insurance is required if you take a loan.

Renovation is improving the condition of the property. Usually the buyer pays after purchase, but it can be negotiated with the seller.
4 next steps after FAQ

Buying in Poland as a foreigner

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FAQ

Questions about selling property

Valuation depends on location, condition, area, floor, balcony/loggia and year of construction. Professional valuation is recommended.

Ksiega wieczysta, ownership documents, property condition documents, and a certificate of no utility debts.

The commission is usually 2-3% of the sale price. Terms are set in the contract with the agent.

If the property was owned for more than 5 years and was the only residence, no tax is paid. In other cases, capital gains tax may apply.

The sale time depends on price, location and condition. On average 2-6 months with proper pricing and marketing.

Real estate brokerage is a service of finding a buyer and supporting the transaction.

Yes, but debts must be repaid before closing or accounted for in the sale price.

A reservation agreement is a preliminary arrangement that reserves a property for a specific buyer for a certain time.
FAQ

Questions about renting property

Utilities, heating, water, electricity, trash, internet, parking space.

A monthly fee to the management company - includes lift, cleaning, lighting, sometimes water/heating.

Yes, within 1 month after move-out if there are no damages or debts.

Landlords often choose okazjonalny for protection; tenants should understand their obligations.

Yes, a lease does not require registration. Meldunek is done separately with the owner's consent.

Usually the tenant, unless it is included in the rent.

Only with the owner's permission.

By agreement; often prohibited. Sometimes there are designated smoking areas.

The tenant. Major breakdowns are the owner's responsibility.

Yes, if the tenant does not speak Polish.

Apartment condition, furniture description, photos and meters.

Yes, if the contract includes a notice period (usually 1-3 months).

Meter readings (water/gas/electric). Usually the tenant.

Not required, but some owners require tenant liability insurance (OC najemcy).

Only with the owner's permission.

Trust and guarantees

Realtor activity is insured

Realtor activity is insured
Languages spoken:
  • English
  • Italian
  • Polish
  • Belarusian
  • Ukrainian
  • Russian

Licensed realtor (No. 31933)

Licensed realtor (No. 31933)
About Marina Buguk

00+

5+ years of experience
About the agent

About Marina Buguk

Legal safety

I work with a team of real estate lawyers and a notary. We guarantee legal safety.

Efficiency and speed

I work proactively and stay fully focused - this saves you time and delivers results without delays.

Professional support

I easily build rapport with both sellers and buyers. Negotiations are calm and effective.

Responsibility for results

I handle the entire process: from preparation to key handover. I lead the transaction to a safe and beneficial result.

Mobility and convenience

I organize viewings quickly at a time convenient for you. I can pick you up - no need to worry about routes or logistics.

What our clients say

Client reviews

Maria - Property buyer, Poznan

We couldn't find an apartment on our own. Marina is our fairy rescuer! I have never seen such efficiency. She considered all our wishes, and the communication was always pleasant. The apartment is amazing and at a great price. FOR BUYING A HOME - ONLY WITH YOU!

Maria

Property buyer, Poznan

Oksana - Property buyer, Poznan

The issue was solved quickly! Marina found an apartment exactly to my requests and criteria - just what I needed. The deal was handled correctly. The best impressions from communicating with such a charming person. I will recommend!

Oksana

Property buyer, Poznan

Maria - Property buyer, Poznan

A very pleasant, communicative specialist. She found us a good apartment with a little garden. In Poland it is very hard to find a suitable apartment now, but Marina handled this task 100%. We are very satisfied!

Maria

Property buyer, Poznan

Alexey - Property buyer, Poznan

From the first minute you can see - a professional! She is focused on the client finding the right apartment. She clarifies all details and immediately sends a full catalog to choose from. Helps with the contract, organizes the meeting and signing. I will recommend to everyone!

Alexey

Property buyer, Poznan

Elena - Tenant, Poznan

My son entered university, but there was no dorm. Thanks to Marina, we avoided a fake contract and found a great studio with IKEA furniture. Marina showed patience and integrity at every stage.

Elena

Tenant, Poznan

Vlad - Tenant, Poznan

Everything was done quickly and on schedule. Marina is a professional and a very pleasant woman. I will definitely recommend!

Vlad

Tenant, Poznan

Svetlana - Tenant, Poznan

In a short time we found and moved into a three-room apartment in a great district, with all wishes considered. All processes were transparent, and we felt constant support. We will definitely recommend to friends and family!

Svetlana

Tenant, Poznan

Dmitry - Tenant, Poznan

It was my first time renting, but thanks to Marina I quickly found the housing I needed. Quality service and full dedication. This will not be our last cooperation!

Dmitry

Tenant, Poznan

Dmitry - Tenant, Poznan

By the third day after we started searching, we already knew which apartment we would live in! Marina is always in touch, answers all questions and gives useful advice. She considered all wishes about interior and location.

Dmitry

Tenant, Poznan

Yaroslav - Property buyer, Poznan

Within 5 days after the request I already got the keys, including the notary! Everything was very fast. You dive into all nuances, help with documents and provide good offers at affordable prices. I recommend to everyone!

Yaroslav

Property buyer, Poznan

Vlad - Tenant, Poznan

Patience and attention to every question. Working with Marina, you can be sure you will find housing. A wide selection for every taste. I will recommend to friends and acquaintances!

Vlad

Tenant, Poznan

Oksana - Tenant, Poznan

High professionalism and excellent service. Everything was clear and fast. She found an apartment in a great location with good conditions. I confidently recommend!

Oksana

Tenant, Poznan

Olga - Tenant, Poznan

We found exactly what we wanted! Thank you for going with us to all apartment viewings, for the tips and professional work. Sincere thanks!

Olga

Tenant, Poznan

Anna - Tenant, Poznan

Every step was under control, as fast and easy as possible. Now my student is happy. Thanks to you, my mother's heart is calm.

Anna

Tenant, Poznan

Darina - Property buyer, Poznan

Marina is not just a realtor. She is someone who hears, understands and finds solutions where it seems like a dead end. In three months she found the perfect house: cozy, with a garden and a green light for the cat. Her work is sincere involvement.

Darina

Property buyer, Poznan

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