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mortgages advice - buying an apartment in Warsaw



Guest   Jul 24, 08, 06:02 /  #
I have been living in Warsaw for about a year and now looking to buy an apartment also, originally from London england, tho i also recalled
reading an article that i need to have a few doc before applying
for a mortgage in Warsaw/poland.
EG: karta podytu and zameldowanie od wojewody
could any one provide advices on how to obtain these doc.
if its relevant for obtaining a mortgage within any polish banks.
or other alternative doc
andy bThreads: 7
Posts: 195
Joined: Nov 26, 07 		  Jul 24, 08, 06:06 /  #
Karta Pobytu and Zameldowanie are useful, but not necessary to get a mortgage in Poland. More important will be the contract from your work in Warsaw - is it temporary or permanent? And how much you earn of course, and liabilities, etc etc
Guest   Jul 24, 08, 06:26 /  #
Are you definitely sure it isn't important.
According to banks that i have been to
they seem not very sure as to where to apply for "Karta Pobytu or Zameldowanie"
or provide me more info about it,
as these info is needed within one of the sections within the mortgage app.

also my contract is permanent with v good wage.
ParisJazzThreads: 2
Posts: 196
Joined: Oct 23, 07 		Edited by: ParisJazz   Jul 24, 08, 07:58 /  #
Seek a broker and let them do the job for u. Too much hussle otherwise that is not worth it.

There are a couple of guys on the forum who go by the names of andy and daniel mascarading as honest brokers, if there ever is such a thing ;-)


PJ
andy bThreads: 7
Posts: 195
Joined: Nov 26, 07 		  Jul 24, 08, 08:20 /  #
There are a couple of guys on the forum who go by the names of andy and daniel mascarading as honest brokers, if there ever is such a thing ;-)


Thanks for the compliment PJ, I think....
ParisJazzThreads: 2
Posts: 196
Joined: Oct 23, 07 		  Jul 24, 08, 08:24 /  #
Just good natured banter. Nothing personal.



PJ
andy bThreads: 7
Posts: 195
Joined: Nov 26, 07 		  Jul 24, 08, 08:30 /  #
Just good natured banter. Nothing personal.


No offence taken, that's cool
Guest   Jul 24, 08, 14:08 /  #
It shouldn't be necessary to have these documents to obtain a mortgage. I know several foreigners who obtained a mortgage and they are not living in Poland, so they don't have these documents.

Anyway, karta pobytu you cannot obtain, in exchange you will obtain a residence permit. To obtain this residence permite you may apply in warsaw in Długa,5, close to metro station Ratusz. In order to obtain it, you will need first to obtain zameldowania, to obtain this you may go to wojewoda of your neighbourhood (dzielnica) with documents showing that you are owner of the acommodation or go together with the owner and documents of ownership and contract for rent of the home
ukpolskaThreads: 51
Posts: 2,238
Joined: Oct 23, 06  Gold Member MEMBER 		  Jul 25, 08, 06:34 /  #
Try this site, as whether you use them or not they have a good Q&A section in order to find information. LINK
daniel.podpora   Jul 28, 08, 07:27 /  #
halo

karta pobytu is not necessary. it is the first time i have heard that it is requested by the bank to apply for a lona. what bank it is or what broker?
daniel.podpora   Jul 28, 08, 07:29 /  #
a loan :)
vndunneThreads: 72
Posts: 340
Joined: Jan 12, 07 		  Jul 29, 08, 07:34 /  #
hi. I have living in poland and have bought an apartment with a bank mortgage, and did not need any of those cards. My passport was sufficient for everything.
Guest   Jul 30, 08, 09:51 /  #
which bank?
daniel.podpora   Jul 31, 08, 03:56 /  #
which bank or broker requested from you karta pobytu?
NecramancerThreads: 7
Posts: 24
Joined: Oct 14, 08 		  Jan 17, 09, 07:49 /  #
Hello its Chris hear,

Firstly yes sometimes some banks do ask for a residence card and alot of banks also
require you to be registered on a seperate property in Poland because it gives the bank more of a sence of security.

I do work with 3 banks that dont ask for these documents.

If you contact me, I can give you further details of rates and repayments.

Sincerely

Christopher Bradbury
Tel:0048609586999
Email: ch.bradbury@kre-dom.pl
daniel.podpora   Jan 20, 09, 08:07 /  #
there is a few more banks

regards
DP
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