Real Estate / What's your opinion on cooperative ownership (spoldzielcze wlasnosciowe prawo) when buying a flat? [2]

Hello!

I am interested in buying a flat -- so I've been searching. I found one that's interesting for me. However, I found out that it's not a typical ownership (at least to me) -- the owner/seller told me the flat is "cooperative ownership (spoldzielcze wlasnosciowe prawo)". I've read about this (see two articles below), although I had to use Google translate. Essentially, it sounds legal and legit, however this comes without a land register, thus I do not own any portion of a land that this building sits on.

bankier.pl/smart/spoldzielcze-wlasnosciowe-prawo-do-lokalu-czym-jest
studiaiuridica.pl/resources/html/article/details?id=188843&language=pl

What is a practical implication of this?
From a theoretical perspective, a typical ownership (which comes with a land register) seems better and worth more than cooperative ownership (spoldzielcze wlasnosciowe prawo). However, is that true in practice? Should not owning a land result in this type of flats being priced much cheaper -- then by what margin? Will it be harder to sell it in the distant future? Perhaps, polish people do not consider these different types of ownership to be significant? And should I walk away from this type of deals (which is by far a minority of all flats in a secondary market)?

I would like to hear opinions of those who have lived and purchased flats in Poland.

Real Estate / Buying a residential flat/apt in Poland as a foreigner [24]

Hello,

I'm American, having worked and lived full-time in Poland for a few years. I am interested in buying a flat/apartment in Wroclaw. I know it's possible without any permit, but have some questions.

Do you think it's a good idea, generally? If I get a bank loan, what would be interest rates (rough approximation is fine)? Can I get benefits from the Polish government (please tell me what current benefits/tax breaks are)? Should I utilize a real estate agent or a lawyer (i'm imaging most Polish people just sign contract without those special people)?

Thanks!

Law / Not having a car insurance for a little while in Poland [13]

Hello,

I have a car that has been registered and insured for the last 1 year. Now, the insurance renewal must be done now, but I'm going to be out of Poland for several months. I'm wondering if I can just postpone paying for a insurance renewal. So, I will have an uninsured car under my name for 6 months. Of course, when I come back and want to use the car, I will pay for an insurance. Is there any legal problem with this?

Thanks for info.