We spoke which have a 25-year-dated Belarusian whom relocated to Poland from inside the late age altered through to request) settled inside Wroclaw immediately and you can made a decision to pick possessions around:
« I already been wanting a flat inside the later summer 2022 and you may finished the deal into the later December twenty two. I tried to find without any help right away. Once i known as number provided, 80% of time it absolutely was an enthusiastic agency’s mobile phone, maybe not the latest owner’s. Consequently, I got myself for the additional market, for the a creating from the 1970s, by using an agency.
It is necessary to your bank that there is at least half of a-year leftover into a position offer at the time of the order, if not top, permanent a position with an indefinite price
With the transaction, I needed a home credit (its prominent so it continues to have at the very least a year remaining), a work offer in the workplace (to have a minimum of one 12 months). A certificate in the employer exhibiting this new income the past 6 months is also called for (these are the requirements to own Santander Financial Polska; some finance companies will get inquire about data with other episodes), and you will an excellent passport regarding Belarus. At exactly the same time, the amount of brand new down payment is very important. For my situation, it actually was 20% of the complete value of.
« My personal property costs 240,000 zloty at the time of pick. Initial, I paid off forty eight,000 zloty into property, concurrently regarding 7,000 zloty to your notary, and another 1.5% of apartment’s worth into service you to contributed to the fresh search. If the financial approved the deal, We reduced 365 zloty into percentage (prowizja) and you may step 3,850 zloty for home insurance (ubezpieczenie) – speaking of insurance expenses. Continue reading « It is a varying-rates mortgage, you could also decide for a predetermined price for five decades initial »
