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Permit for foreigners

MSWiA permit to buy property as a foreigner

Check in 30 seconds whether you need a permit. If you do, we'll prepare the application, the seller's documents and a preliminary contract that protects your deposit while you wait.

1,570 złstamp duty
1 yearpromise validity
1–3 mo.typical decision time

Do you need an MSWiA permit?

Citizenship
Is the property in the border zone?
Permanent residence or EU resident card for 5+ years?
Spouse is a Polish citizen, card for 2+ years, buying as joint property?
Result—

Help me with the permit

The test is based on Art. 8 of the Act on the Acquisition of Real Estate by Foreigners. We confirm the result for the specific property before any deposit.

Key facts
  • The permit is issued by the Minister of the Interior and Administration — the application is filed in Warsaw in person, by post or via a representative.
  • Stamp duty: 1,570 zł (+ 17 zł for a power of attorney).
  • A promise (commitment to issue the permit) is valid for 1 year.
  • Flats outside the border zone do not require a permit.

When a permit is required

A citizen of a country outside the EU, EEA and Switzerland needs a permit to buy a house with land, a building plot or farmland, commercial premises, or a flat in the border zone. It also covers shares in companies that own property in Poland.

When it isn't

  • A separate flat (outside the border zone).
  • A garage or parking space for housing needs.
  • 5 years after receiving a permanent residence or EU long-term resident card.
  • Spouse of a Polish citizen: 2 years after the card, buying as joint property.
  • Buying from a relative whose statutory heir you are, if they owned the property for at least 5 years.

How the procedure works

  • We check the property and sign a preliminary contract conditional on the permit.
  • We compile the application: property details (land register, land registry extract), purpose of purchase, your ties to Poland (residence card, job, company, family).
  • You pay 1,570 zł stamp duty and we file the application with MSWiA.
  • MSWiA may ask other bodies, such as the Minister of Defence, for an opinion — a decision usually takes 1–3 months.
  • After the decision you sign the notarial deed.

MSWiA assesses whether the purchase threatens security or public order and whether you have ties to Poland.

HipoCenter · Our group

Buying with a mortgage? Start with your borrowing capacity

HipoCenter is our mortgage team: it compares 15 banks for foreigners, calculates your borrowing capacity and handles the application. That way we only show flats within a budget the bank will actually approve.

FAQ

Questions and answers

01How much does an MSWiA permit cost?

Stamp duty is 1,570 zł, plus 17 zł for a power of attorney. It is not refunded if the permit is refused. Add the cost of preparing documents and any translations.

02How long does a permit take?

By law a case is settled within a month, or two if complex. In practice, with opinions from other authorities, usually 1–3 months.

03What is a promise (promesa)?

A commitment to issue the permit. It is valid for a year — during that time MSWiA cannot refuse if the facts have not changed. Useful when you want certainty before signing.

04What if I buy without a required permit?

Such a contract is void by law. That's why we always check this before the deposit.

05Does a flat in a block need a permit?

No, if it is a separate flat with its own land register and is not in the border zone. Wrocław is not in it.

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