Publication date: 26.03.2025
My name is Oksana Serhiivna Zahorska, I am a lawyer with experience in civil and commercial law, particularly in matters related to the buying, selling, and renting of real estate in Poland. Since October 2022, I have been working as a real estate intermediary at the Polish agency EASY-HOME. Over the past 2.5 years, my clients have always found it easy and straightforward to achieve their goals. I hold a real estate intermediary license and have experience in managing real estate in Ukraine. Personal slogan: A satisfied client — a successful result.
Buying an Apartment on Credit in Poland: How to Solve Complex Issues
In the case of my clients who wanted to buy an apartment using credit funds, several complex stages arose. To obtain a larger loan amount, they had to turn to a notary to arrange the division of property. This allowed them to increase the loan amount and implement their purchase plan. In a very short period, I found an apartment that met their requirements, and we began the process of signing the deal.
Situation
The clients needed a significant amount of credit to buy an apartment, but in order to do this, they had to arrange the division of property through a notary. This helped them increase their creditworthiness and secure a larger loan. Additionally, when searching for real estate, it was important to consider the location and convenience for future living.
Solution
- Arranging Property Division with a Notary: This allowed for an increase in the loan amount and facilitated the financing process.
- Finding and Selecting an Apartment: Within two weeks, we found an apartment that fully met the clients' requirements.
- Signing the Preliminary Purchase Agreement: A preliminary agreement was signed with a notary, which was an important step for the further procedure.
- Loan Approval Procedure: All necessary documents for obtaining the loan were gathered and submitted to the bank.
- Signing the Loan Agreement and Purchase Agreement: After receiving positive feedback from the bank, the loan agreement and final purchase agreement for the apartment were signed.
Result
- Successful Apartment Purchase: After the property division, the client secured a loan and bought a 65 m² apartment with renovation for 790,000 PLN.
- Convenient Location: The apartment is located in a modern building in a quiet area with well-developed infrastructure.
- Additional Amenities: The apartment has parking for two cars and a utility room.
- Profitable Investment: The real estate market in Poland is steadily growing, making this choice a profitable one for the client.
Questions and Answers
Question
How should property division be arranged to secure a loan for buying real estate?
Answer
Property division is arranged through a notary. You need to:
- Provide all documents confirming ownership of the property.
- Conclude an agreement between the parties for property division.
- Notarize the documents to officially recognize the agreement.
Question
What documents are needed to arrange a loan for buying property in Poland?
Answer
To arrange a loan, the following documents must be submitted:
- Passport and other documents confirming the borrower's identity.
- Documents confirming income and financial ability.
- Documents for the property to be purchased.
- Proof of property division (if needed to secure a larger loan amount).
Why Contact Us?
- Professional Assistance: Our experts will help properly arrange property division and guide you through all stages of obtaining the loan.
- Speed and Efficiency: We will find the perfect apartment in the shortest time, so you can quickly implement your plans.
- Comprehensive Support: Support at every stage, from signing the preliminary agreement to completing the transaction.
Our Work Results
- Quick and Successful Purchase: The client was able to purchase their dream apartment without delays.
- Smart Financial Decisions: With our support, the clients received the best loan terms and made the purchase under favorable conditions.
Property Division Arrangement
Financing for Property Purchase
Apartment Purchase Under Favorable Terms
With our help, the clients successfully purchased an apartment on credit, even with the need to arrange property division. We supported them at every stage of the process, allowing them to realize their plans quickly and without unnecessary difficulties.
