Poland Property...should I be scared

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that is right i agree


well as i said once the time has gone past we would know


of course not i am trembling already when i think about buing a house next year:)(


what funds are you talking about?years ago an average Pole could not afford even a small things like video-player or fiat 126p


that is what The people western countries do and we will have to accept it


competition is a cure for such problems-this word is ,unfortunately, still unknown by banks in poland


this affects every country,not just poland


that's not really true.the most WELL EDUCATED people who i know want come back to poland after a few years once:
they have saved enough money to buy a property
they gained some experience
they learnt english-as the level of english is not very high especially among us-people 30+
so let's the time go past:)

Thanks for your reponse rafik, can I just ask if properties continue to rise what polish worker will even be able to consider buying a property.

From my experience polish people who come here (australia) for short periods want to stay here because they get used to the easy way of living... I might add that poles here have a very good name and fit in very well.

One thing here is that we have award wages and conditions, and employers must contribute to a compulsory supperanuation scheme, it has also attractive welfare payments for the sick and unemployed... the only reason australia is a rich country is that it has rich natural resources, primary production and tourism.

In poland today (I think I am right here) wages and conditons are at the discretion of the employer and no rights of appeal.. I heard that supermarket staff are not allowed time to go to the toilet (?)

If real estate goes up, and as you say wages go up, what happens to the plight of people on welfare payments ie aged pensioners and unemployed...The polish government is currently working in the red (where will it get its money from)

The people cashing in the current real estqte are big businessess, speculators, and overseas interest, all I might add at the expensive of the pole.

or maybe they are so tight that they don't want to spend 600£ on a return ticket or after 24 hours of flight to australia they are too scared to get on the board again

it is only 2 hours flight and 50£ return ticket from the UK:) :) :)


i think it has to do with something else like lets say;good managment.russia has an awfull lot natural resources and in the past a lot of tourists went to siberia:) and it is still very bad country to live in.


it is possible-supermarkets are mostly owned by foreigners-we will try to sort them out:)
i am not saying that poland is a country like lets say norway but the conditions WILL get better and thats why i think people,companies Will continue buying properties and that's why the prices WILL continue to rise unless everyone sells their properties at the same time which is impossible unless some disaster struck.who is right i don'know,we will see.


i don't know lef. if think when the wages level everywhere in europe a mortgage will be the only option for poorer workers

I hear what you are saying, I've been to poland many times, I know there are many rich people in poland with very nice homes, but most people live on a week to week basis and cannot afford the better things of life, can I ask you a few questions,

What are the current interest rates in poland and what is the average loan taken out when purchasing a house.
Like I mentioned before, properties in the country all over the world grow very slowly.

If a person were to purchase a property for 400000zl, how much could he borrow?

3,4%


400000zl

i am not really sure.this may depend on how much you earn.my friend earned 1500zl so did his missus and they could not get any loan(mortgage).

how much do i have to earn to get a loan of 400000zl?

The amount of money you earn is one of the factors that is being calculated while judging your credit ability. For a bank it is equally important if your income is stable, if you`ve previously taken a credit and did you pay all of it on time, as well what are your assets (i.e. do you have a car). Each bank has its own 10-20 parameters based on which it calculates if it can give you a credit or not.

With an earning 1500 PLN brutto per month it is very unlikely to acquire a 400000 PLN mortgage in a bank, however 100000 PLN in case of a stable income and no previous credit problems today is likely.

To have a 400000 PLN morgage your friend would probably have to earn 5000 PLN brutto per month and his wife c.a. 3000 PLN - but for 400000 PLN you can buy a big house outside a city or some luxourious appartment in the city center.

ok thanx wujek.i am thinking about getting a loan of lets say 100000zl.i have enough money to buy a house but i don't want to spend it all at once and having nothing when something unforseen comes up.but my priority now is getting a good job so i can take a loan:)

thanx again

Let's face it most countries are expensive to buy in these days...property prices rose circa. £1500 last week, which is not really in line with infation.....my advice to Polish people living over here is save save save and buy buy buy back home!....lets face it who wants to set up home over in England anyway!

shelley it is not true a lot of people want to stay in the UK.myself and my friends want to go back to poland after a few years because:

most of us have masters degrees but our diplomas are not recognized here.
we are in our 30s-it is too late to start studying again
we stand a great chance to find a really good job back in poland (ie managment)
we don't want to be factory workers forever.
a lot of young polish people want to stay here forever or at least for a very long time especially 16-25 years old cos they have TIME to kick- start their careers

personally i love this country it is my second home,my english friens are coming to my wedding.
everything i have now is because of the ENGLISH people
i worked with pakis and indians and they gave me NOTHING

I must agree with rafik, english people (aussies even better) are very good people, loyal and ready to help, and not rip somebody off, unfortunatelly england is full of indians/pakis/ turks and they give the whole country a bad name.

Both countries have its good sides and like all things people settle down where they best feel at home.

Shelley with your attitute you are only a free loader, spitting on england and using it for a financial gain, If you don't like living there go back to Poland, sorry but that is the truth.

I am quite sure many a polish person who have worked in england and now living in poland has very good memories of time in that country, (ask any pole who has worked in germany/italy and hear there horror stories)

I'm sorry, I hope wujek is not listening, but if a country accepts you and looks after you, you don't through shit at it. the english have always had a great respect for poles, especially the polish soldier and the previous pope

As it was me who started this conversation, who asked the question…Poland Property...should I be scared…I thought it was only fair be allowed to reply openly to those who took the time to offer me advice…SO THANK YOU…

But I wanted to address some of you on an individual basis…

To rafik who wrote “i worked with pakis and indians and they gave me NOTHING” what did you expect them to give you? With your attitude you are lucky they did not give you a slap in the face you racist fucker ! Go back to poland…or better still go back in time and join your good friend Adolf hitler…

To lef who wrote” unfortunatelly england is full of indians/pakis/ turks and they give the whole country a bad name. “…well there is a bus going to Poland and your good friend rafik is in the driving seat….why don’t you jump on…the amount of time you spend online talking shit makes me think you could use the company of another racist bastard like you.

So…Poland…should I be scared….well given the amount of honest advice offered by althose who took part in this discussion I hope not….but with the number of frankly quite stupid and racist remarks that have been made perhaps I need to reconsider…Just remember the only reason you are allowed to live in this country is because we need you to do the shit jobs that people here do not want….so don’t be so bloddy arrogant and have some compasion for those who travelled from countries that are even poorer than poland….such as india and pakistan!

i am not sure if it is worth it but i am gonna answer your questions:
to respect me as i DID respect them(not any more)
to pay me money usually paid for this job
not to be discriminated on a daily basis because i am white and christian
my girlfriend got even less money cos she is a GIRL


i am talking about facts so i don't give it sh.
it what you are thinking about me


if think it would be better to send all pakis down to their shit holes or maybe to your country so you can socialize with them


i have never said to kill anyone i want to keep them out of europe
i am not against jews-i wish them good lack in lebanon


i think you should you will meet more people like us in poland


:)


by the way what job have you got?
my is an office job-no you are wrong it is not cleaning.
it is good and cushy job.
you have just shown your attitude towards all poles in the UK.you do not like me but offence everyone in the UK

Well, if you`re so oversensitive an scream "racism" where there isn`t any, and you it`s quite visable that you have some objections against the freedom of speech - then perhaps you really should make your investment elsewhere. And I`m absolutely serious about it cose in this country we only accept people who respect our rules, our country and people - if you accept our rules, respect our country and people, that`s fine - you`re welcomed here (and it dosn`t matter what kind of skincolor, religion or sexual orientation, you have) - but if you don`t our rules, you don`t respect our country and people - then there are so many places around the world where you can settle - and there will 10 other people who`d like to settle here instead of you.

What rafik says - I find is correct - it is true that many Arabs and Pakistanis in W. Europe who are living there since generations don`t assimilate, while contributing very little to those countries and nowdays according to various studies about 31% of those immigrants living in the UK wants to destroy Western culture, cose the see it as decadent - and 1% of those immigrants (16.000 people) says that they want to do it comitting acts of voilance. I`m sorry but you`d have to be ignorant to not to see the problem. Why should we feel compassion for those people - who in many cases are the real racists - racists against whites, jews, asians and christian blacks ?

You see - I, as well as most people in Poland wouldn`t want to see this situation here - to fear ourselves in our country to be stabbed in some dark corner because of our skin color and on top of that being accused of being "racist" in our own country i.e. becaouse most of our national dishes has some pig-meat inside or because someone dares to display his national symbols in his own country. If you don`t like it - then perhaps indeed you should buy property somewhere else. Trust me there are more than enough people wiling to purchase property here anyway.

To lefs defense I have to say that he isn`t Polish - he`s just some idiot Australian.. and that is self explanatory. :)

Just so you know the girl that I have been going out with for nearly a year now is Polish, I have Polish friends who came her 9 years ago, with nothing,illegally and I helped them get somewhere to live, i helped them get jobs...But then they all have travelled extensively, have seen the beauty of other countries, and have realised that a persons character is not defined by their accent, their skin colour or their race...

In relation to the comment made about the English flag during the world cup...perhaps you are unaware that england supporters were not so long ago banned from attending matches in every country in Europe because of the violence that they brought with them.The BRITISH F.A. wanted less flags because they hoped that the supporters would relate better to citizens of other countries that way...there would be less fear...But given the amount of Polish soccer holligans there are perhaps its not the english fans they need to worry abouT

i am sure it won't:)


there were many posts sent on this forum about the Polish people which contained some remarks which could be called "racist" according to you.

examples?
poles are drunkards,cheats,two-faced+things like"every house should have a pole by..." and even you indicate that Poles are too stupid to do something else than "shit jobs that nobody else want to do" even though a lot of people who come to the UK are highly skilled and well educated. you haven't mentioned any of this because we are white so obviously saying this is not racist. i think you are a big 2-faced,politicly correct as.hole who was brought in a posh family and has too much time on your hands

Tell that to all of the "youghts" who aren`t allowing whites to traspass "their" neighbourhoods in various parts of Europe or all of those mullachs who are preaching the destruction of Europe thruout our continent.


I`ve heared that the British F.A. has done that in the name of political corectness - becaouse the red cross on the flag seemd to be to "provocative" for some Muslims - but this is only one of hundreds of examples of the raging stupidity concerning political correctness in some EU15 countries.

wow....you guys really do have an over inflated sense of your own self importance !

rafik wrote that some people state on this forum that "poles are drunkards,cheats,two-faced+things like"every house should have a pole by..."...but I have never said this...I will quote myself and state again "a persons character is not defined by their accent, their skin colour or their race" mabey for those of you that have difficulty understanding what this means...it means that " drunkards,cheats,two-faced+things like" cannot be defined by a persons nationality....even if they are Polish.

You also state and even you indicate that Poles are too stupid to do something else than "shit jobs that nobody else want to do"....well I am totally aware of the education system in Poland...and that quite frankly a great number of Polish nationals are over educated given the limited possibilitys that they have in their home country.But I am also aware that the u.k. does not limit entrance to those who have a great education....so it is quite possible that a number of Polish nationals who come here are "drunkards,cheats,two-faced+things like":)

As for me being some rich guy....hmmmm

I was raised by my mum,Left school at 15 WITH NO EDUCATION ...and spent many years doing little else but getting drunk and doing drugs,living in squats and sleeping in cars....When I straightened myself out I realised that I was lucky and started working with the homeless and those with drug and alcohol problems.It was thru this that I met the Polish guy I wrote about....

Some of you say that because one has a point of view it does not mean that he should be given abuse....does that go for abu hamza as well...or just you Polish...

As for the English flag....well do your research and look into the problems that English football fans have caused thru the years...

By the way as for India and Pakistan....mabey you should examine the history of these two countries....the fact that they were one nation until the English went to visit may say something about the issues they face....and by the way....

The term "Paki" is in itself racist....

Pieprzone Polaczki

This is a complete nonsense, you have no idea about the real estate market in Warsaw/Kraków...

Rafik...I have never BEAT anyone up, wether on drugs or not...I never felt the need to impose myself on others that way. I have had a number of fights with limp dicked assholes like you...

It may be better to be better educated than over educated...but I guess its what you do with that education that counts.While many people in Poland may be over educated little of them are able to use that education in any way that benifits them or their country. Furthermore many of the educated Polish Nationals are leaving so that they can earn a more overseas, which I totally understand, but which is also a bit unfair.The Polish state pay for their education and other countrys get the benifit ! Does not seem very fair to me!I on the other hand was not lucky enough to have a free,formal education,I have no wealthy family or friends, and I am the Operations Manager for a world wide distribution company..guess being "a 2 faced drug abuser with no brain " has worked out ok for me...how are you doing ?

As for asking what soccer violence has to do with a flag...well mabey the authoritys remember how many flags were flown during the previous violence and they think nationals of other countries may be wary of large groups of males flying the same flag.I agree that flying a flag does not mean you are violent but perhaps we should ask the victaims of the previous violence what the flag means to them? Is the world cup not about bringing nations together in peace as appose to the definement of one nation?

"ye ye ye feel sorry for your nation.if not english these two peace loving countries would still be together "...CORRECT !! They lived in peace for many years before the english came along...you may want to comment on the fact that most Muslim countries were living in peace before the English arrived...The Crusades were a series of military campaigns—usually sanctioned by the Papacy—that took place during the 11th through 13th centuries. Originally, they were Roman Catholic Holy Wars to capture Jerusalem and the Holy Land from the Muslims....No doubt Rafik would be on his little pony martching into battle with his little flag flying in the wind if he lived back then :)

ok so is BRIT,SWEDE,POLE ... The terms brit,paki or pole may not be racist but how they are useed may be concrued to be so.How you say something is just as important as what you say...The term Paki is always used in an unplesant way which is not the case with brit, aussie and brit.

come on say what you mean i did not get it ....well try this...

Racism is prejudice or discrimination based on the belief that race is the primary factor determining human traits and abilities. Racism includes the belief that genetic or inherited differences produce the inherent superiority or inferiority of one race over another. In the name of protecting their race from "contamination," some racists justify the domination and destruction of races they consider to be either superior or inferior. Institutional racism is racial prejudice supported by institutional power and authority used to the advantage of one race over others.

The British WERE,and can still be, institutionaly racist...you are simply racist!

btw is it the way you greet your polish friends in the morning? ...No...but I have a feeling you know little of friendship,,

Finally you said....it is better to a fucking pollock than 2 faced drug abuser with no brain who has no respect for himself and his country ...hmmmm

I am from Belfast, Northern Ireland, Part of Britian(for now), on the island of Ireland .I have many English,Welsh and Scottish friends...none of whom are racist...unlike you,Pieprzone Polaczki

bubbleberry - do me a favour and DON`T buy any real estate here - we don`t certainly don`t need any people in Poland with your kind of atitude.

Lef,

Reading your posts I have feeling that you are l a little ?- uncomfortable, jelaus about people buying property in Poland. I think it is good investment and prices will grow especially in places like Krakow, Warsaw , Gdansk. It is again location, location..... I live in England and probbably will stay here for a while ( my husband is English) but I want to buy flat in Krakow. I can always rent it out but I don't want to.I want to come here few times a year (in summer, winter), invite here my English friends. Now it is so easy and cheap ( return flight is about Lpound 80). After few years I can always sell it and buy something different. For now demand for property is very high in Krakow.

Thanks for the compliment? I haven't come down in the last shower, I don't doubt real estate has gone up in these two cities ( I must make a point by saying that Krakow is one of the best cities in the world, Warsaw (apart from Old town and ul Nowy Swiat) is a very ugly city. Prices of homes and apartments in both these cities is becoming out of the reach of many people living in Poland today. It is as I mentioned before heading in a unknown direction (it may increase/stablise or bottom out) time will tell:

The blue chip (best properties) have been bought out by the old communist guard, and overseas interest, And it is of no comfort to say poles have been robbed by multi national companies who shareholders are cigar smoking business people who operate from New York.

Every country where the United States has commerical interest it makes a lot of money, the United States never helps amy country unless its gets something back in return, it never defends another country unless it is in there strategic interest.

IThe changes in real estate has opened the doors to the banks, and now most average home buyers will be forced to take out a loan and be at the mercy of the banks.

I might add that the same process has taken place here (where the average loan is about $A250000


I would only wish all poles could return back home and purchase a property, that is not the question, the way people are talking in this forum, I wonder why any homes are being sold in Poland (as people should wait a few months and could double there money)

Lets all be clear that sought after properties in a good location will always fetch a good price and this means not all properties have hit the jackpot.

Krakow is a beautiful place and investment in that place will bring many rewards,
You unfortuately (fortunately for You) are married to a guy from UK, its a pretty big ask for him to resettle in poland.

That is why I would like to have 2 properties: in Poland and England. I don't want to move back to Poland now because of financial reason. We both have good jobs in England but coming back.....big unempoyment.Krakow is beautiful and full of charm - but there are less and less jobs there. I don't understand this tendencies to move big head-offices to Warsaw. Higher salaries to pay to employees, higher cost of office renting. Completely oppsite than in England where lots of big companies move their offices to the north as it is quite cheaper for them.

guest-iwona
Same with me. I've been telling myself - I'll come back to Poland and buy a house "next year". It's been 6 years now and I'm getting older so it's going to be more and more difficult to start a new life in Poland now. Maybe when I'm retired.. Maybe...:).

Augustyn,

Exactly the same with me.
I just want property- to come to Krakow few times a year. For summer holiday, sometimes Christmas... Unfortunately everything is just money, money.... (and ability to find job) Money doesn't make you happy but makes you feel secure.

I think only really well-off people are able to afford to have a second home just to visit it a few times a year. But that's true in all countries -- I don't think there are many people in the UK who can afford that. I feel it's better to focus on one place/country in order to achieve your goals - in the future when you're ready to move on and settle in Poland you should have enough money to do it. Remember - having a property both in the UK and Poland is costly (you'd have to have a person in Poland to take care of the house from time to time; you would be worried about possible robbery etc.).

It's like a long-term relationship - at first it's seems to be fairly easy but as time goes by you realize you have to make up your mind; otherwise, it would be too much stress to handle.

I concluded that if I have money it is much cheaper, stress-free, and more interesting to go to Poland from time to time and live in a good hotel. That way you choose in which area you stay and you are not bored with one, the same place again. When you are elder and you still want to move back to Poland, you just sell you home in the UK and are all set. In the meantime, you buy even better property in the UK so that whatever you sell in the future is worth even more than today :).

It makes sense what you say. I still have mixed feeling about it.
I am in the stage now that or I can buy bigger house in England or flat in Poland.
I was thinking about small flat in new developments which are quite secured ( alarms, security guards). I suppose for me it is psychological reason I miss Poland our culture my friends that is why it is in my head that if I have house there it will be like part of me there.

You need to have finance in mind. IF you can afford to buy a flat for cash AND you don't have to pay morgage for the house in the UK, you may invest it in Poland. But if you still pay morgage for the house in England it wouldn't make much sense since you'd lose the money that way.

After you get married it will be easier for you :).

I have spent alot of time looking into the Polish real estate markets...both myself and my Polish girlfriend have spent days and days looking at property and I have spoken with a number of people who invest in property,both here and overseas...

My conclusion is that the best property to buy is a 2 bed apartment in the old town of a nice city...they can build lots and lots of new developments but nice,good quality old apartments with character in a good area cannot be rebuilt...there is only a certain number that exist so your investment will always be safe.

As for paying for it....well the rental market downtown in these citys will always be strong and you can get a buy to let mortage !

oh by the way.....,

Wujek,lef and rafik....

why dont you guys buy an apartment together...you will only need a studio, with a small bed...