Buying or Renting Housing in Poland: Which is More Advantageous for Ukrainians

For Ukrainians who have moved to Poland for an extended period, the choice of housing is one of the most pressing questions. Usually, two main options are considered: renting or buying an apartment, according to AgroReview.

Renting an apartment is easier due to the lack of significant initial investments and maintains mobility for a possible move. However, the constant increase in rental prices may lead many to consider purchasing their own housing.

The average rent for a two-room apartment in large cities, such as Warsaw, Krakow, or Wroclaw, ranges from 2500 to 4000 zlotys per month. The mortgage payment for similar housing with a down payment of 20% ranges from 2200 to 3500 zlotys per month, depending on loan conditions.

Experts advise Ukrainians who plan to stay in Poland with stable income and legal status to consider buying housing as a profitable investment. Renting often requires signing a one-year contract, which can only be renewed at the owner's discretion, leading to potential increases in cost or refusal to extend the agreement.

Advantages of Buying Housing

To purchase an apartment in Poland, one must have a down payment of 10-20% of the property's value – from 50 to 100 thousand zlotys. Additional expenses should also be taken into account, including notary fees, taxes, repairs, and other associated costs.

In the long term, the total mortgage payments often turn out to be less than the cost of rent. Additionally, purchasing housing is an investment in one's own property, which may increase in value over time. According to experts, for Ukrainians with stable income and long-term plans for living in Poland, buying housing becomes an increasingly attractive alternative to renting.

AgroReview has analyzed the real estate situation in Poland for Ukrainians and provides advice on choosing between renting and buying housing, highlighting the advantages of each option. This will help relocators make an informed decision that meets their needs and capabilities in a new country.