Is it a good idea to buy a Property in Poland -- with debt?

Hi guys

I need to know what is the pit falls on buying property with debt
I went a viewed a apartment what looks like a good deal but the estate agent informed me the property has debt on it.
about 50% of the value of the property is in debt.

The seller tells us we has a place to move too but I have concerns.
From what I understand there is no deed created but the debt is on the notary.
The estate agent tells us when we go to sign the register will be cleared as no one lives there and the bailiffs will be present to accept the cash.

How do i know there is no other debt 50% is a large amount too keep on your property and how do I know someone is not going to make a claim later or if the guy will even move out?

It seems risky so what can be done to ensure its a clean deal? Also the seller tells us he inherited the property with the debt and now wants out but looks like he has been living there for allot of years.

What do you think?

Thank you in advance

This seems very suspect to me. Be very wary.

I would be wary too however my ex once said that 'hipoteczny' (if that's what he means) is a good way to buy. A local wouldn't necessarily pay off the debt in one go. For myself, I wouldn't like it at all.

The OP should check this out very carefully with a lawyer (not one recommended by the vendor or estate agent) just in case there's something fishy.

My spider senses are tingling.

The notary is responsible for making sure that the debts are cleared. Discuss it with your chosen notary.

Making a claim later is irrelevant, as they need to lodge the claim against the property while it's still in his possession. If they come later, there's a simple legal device that states that he doesn't live there.

As for him moving out, simply require him to deregister himself from the address register before you visit the notary and make sure that the keys to the property are in the hands of the notary before signing the contract.

If the debt is attached to the property rather than the owner, then... don't get involved.

How on earth does debt get attached to property instead of a person?

For example a mortgage.

Or a charge on a property placed there through, for example, unpaid ZUS.