I would like to ask anyone in this forum that has managed to take a loan and buy a property in Poland to share his/her experience.
As stated in other threads, me together with my fiancé live in a foreign country. I am currently attending school while he is working and earning around 4000zł gross. We want to buy an apartment costing between 380-420 thousand zł. I would like to know if it is possible to buy the apartment and take a loan from abroad and what the process entails.
We haven't chosen the property yet, however we have drawn up a list of possibilities and we plan to go to Poland for a week to see the properties. Would we need to contact the bank previously and find a bank that is willing to lend to us so that we can send the required documentation by e-mail and then just go to the bank while we are in Poland to sign the papers? Or would we need to go to Poland another time? Do we actually need to be physically in the bank to take the loan or everything can be arranged through internet?
Also, as I am not Polish (however my country is in the EU), would the bank find a problem to lend money to both me and my fiancé? We are ready to marry civilly before we apply for the loan if it would reduce problems in obtaining a loan, and then get married in a church later on.
Thanks for any help!
As stated in other threads, me together with my fiancé live in a foreign country. I am currently attending school while he is working and earning around 4000zł gross. We want to buy an apartment costing between 380-420 thousand zł. I would like to know if it is possible to buy the apartment and take a loan from abroad and what the process entails.
We haven't chosen the property yet, however we have drawn up a list of possibilities and we plan to go to Poland for a week to see the properties. Would we need to contact the bank previously and find a bank that is willing to lend to us so that we can send the required documentation by e-mail and then just go to the bank while we are in Poland to sign the papers? Or would we need to go to Poland another time? Do we actually need to be physically in the bank to take the loan or everything can be arranged through internet?
Also, as I am not Polish (however my country is in the EU), would the bank find a problem to lend money to both me and my fiancé? We are ready to marry civilly before we apply for the loan if it would reduce problems in obtaining a loan, and then get married in a church later on.
Thanks for any help!