We spoke which have a 25-year-old Belarusian who relocated to Poland from inside the later elizabeth altered up on request) settled for the Wroclaw quickly and you may chose to get property truth be told there:
“I already been searching for a flat inside later june 2022 and you may complete the offer from inside the late December 22. I tried to browse without any help right from the start. When i called the number offered, 80% of time it absolutely was a keen agency’s cell phone, not the newest user’s. Because of this, I bought for the secondary sector, in the a building on 70s, with an agency.
It is important toward lender that there is at least 50 % of per year left with the a career contract at the time of your order, otherwise greatest, permanent a career with a long offer
On the deal, I wanted a property cards (it is trendy which continues to have at the very least a year left), a work contract throughout the company (for at least one 12 months). A certification throughout the manager demonstrating the latest income for the last 6 months is additionally expected (these represent the conditions to have Santander Financial Polska; certain finance companies get require analysis to many other symptoms), and a beneficial passport away from Belarus. At exactly the same time, the amount of brand new down-payment is essential. In my situation, it actually was 20% of your own overall value of.
“My property costs 240,000 zloty in the course of get. First, I reduced 48,000 zloty to your possessions, additionally on the seven,000 zloty for the notary, and one step 1.5% of apartment’s well worth towards the institution that contributed to the latest research. If the financial recognized bank personal loans Minnesota the deal, I paid back 365 zloty for the percentage (prowizja) and 3,850 zloty to possess homeowners insurance (ubezpieczenie) – these are insurance rates expenses.
The new Belarusian offers that their home loan is for a phrase out-of 3 decades, into the installment count revised the 90 days. 1st, Artem needed seriously to shell out step 1,700 zloty 30 days, the good news is it’s just more than 1,3 hundred zloty.
Such as for example, in the event the my wife starts functioning, we are able to to each other transfer the borrowed funds to some other, costly and better-quality flat
And this choice is most readily useful? It’s a good idea so you’re able to determine one another, compare the brand new statistics away from the past several years, and you may envision the zloty is now building, while mortgage rates are rising.
“If you choose to get assets beyond the town heart, take into account the local transportation, vehicle expenses. When you have children, check out the way to obtain schools, kindergartens, and you may infrastructure. This is very important given that commuting to the office and back are a consistent and that’s along with you day-after-day.
“The borrowed funds amounts aren’t as high as he could be produced over to become. And frequently, its even cheaper than leasing. Along with, every month I pay for personal family, never to a property manager.
I got myself my personal flat having relatively an effective furniture and you can normal house devices. Apartments are sold empty right here, however, whoever hunt, are always find!
A pleasant extra: inside the Poland, there is the possibility to import the mortgage to a different residential property. Therefore, in the event its necessary, long-title commitments (inside my situation, having thirty years) is going to be renegotiated after.
- Before you apply getting home financing, consult multiple companies, consult with monetary advisors (doradcy), who can assist estimate creditworthiness, the fresh possible loan amount, and get more advantageous standards off banking companies.
- For these that have an enthusiastic unfixed salary, get a certification into the large money, because can increase the mortgage matter.
- End to find property throughout level sales minutes: in advance of Christmas time and you will New year. On these episodes, exactly how many purchases grows on a regular basis, and you can possessions cost rise.