What do you pay in rent/mortgage in Poland?

I bought the property myself and paid the mortgage off in full with no help from any other person.

The problem is that you appear to be judging everybody else here based on your own experiences: not everybody who comes to Poland is a miserable failure.

why would you say that? how am I judging anyone? I'm asking straight forward questions with light moderating to keep things on topic.


who suggested otherwise?

we live in a house that has a mortgage that we pay- no gift money for down payment. we own an income property that we bought on our own with cash. we did have partial ownership in a house in Gdynia that was gifted to us but we gave this back to my husbands parents so that there will be one owner.

Im english and my boyfriend is Polish.. we will be moving to Kalisz on July 16th .. we have been given a house - so we will pay council tax - 40zl,water 80zl,electricity 150zl,gas 100zl, we will be living in a village,our new house has enough land to be classified as a farm so our council tax is very low. In england we have per month we pay £500 rent,£20 gas,£30 electric,£30 water,£10 TV license and £100 council tax.

We will have a better life in Poland, we don't enjoy living in the UK anymore and want to live somewhere well,better,to start a family :) We have been saving up our money for years and are going to renovate our house which will believe will cost around £35,000 or zl160,000.

see now that sounds fun.

mortgage free, cash to renovate the place how you see fit, you don't have to teach frickin' English.....good deal.

what rent/mortgage did you pay fuzzy?

interesting that the self appointed leader has neglected to give us that information.

nobody asked.

my first apartment in wroclaw, about a 10-12 minute walk south from the rynek, was 1280zl and I think that included everything. small place, maybe 35 sq. meters. my landlords were OK by Polish standards but still tried like hell to cover up the money I was giving them to avoid paying taxes.

after about a year, I moved in with my now wife, she had her own apartment that she had bought maybe 18 months earlier (no help from her family). i don't remember what the mortgage/czynsz came to exactly, but I think we were paying around 1600zl/month total. it was 50 sq. meters and in a rough neighborhood. it had improved over the years, but it was still a rough neighborhood.

then we left Poland.

Haha, that's funny. My home is a cute 4 bedroom Victorian.


Still some good deals in the $200k+ range in parts of Riverside County.

My mortgage amount of $450.00 per month is basically atypical. Many homeowners are experiencing foreclosure or remain underwater payment & home value wise. This situation tends to happen a lot, when people get 2nd & 3rd mortgages.

You couldn't have chosen a better place (that's why I came), but bear in mind that many things in Poland are not as easy as in, e.g. the UK.


You must have been very good in a previous life. Good luck to you both.


Go easy with your hard-earned. And choose your builders carefully. Explore the threads here; you'll find some good advice.

Im very lucky that I have been offered 2 jobs in Kalisz already :) and my boyfriend will also get a good job I am sure - hes fluent in english which helps...and kalisz doesn't have an expat community (that I know of) - I have been there 10 time and have only ever met 1 other native english speaker and he was a canadian :) If we earn 5000zl a month then thats a very good wage for us :) Im super happy to be moving.

My boyfriend has a very close family and some of them have built there own houses so we use there advice also....I just can't wait to start our new life!! sorry if this is off topic.

very very off topic.

How can a mortgage be so low?
What % of the average monthly wage do people usually pay in the US?


What's wrong with the UK ? Its health system is superior to Poland and wages are several times higher;in what way do you think Poland is more suitable for bringing up a family?

I wouldnt be so sure if i were you, Poland has a habit of grinding that mentailty out of you. There is a VERY good reason as to why millions of them emmigrate.

If your boyfriends family have influence and power, its a totally different story.


What knd of jobs were you offered if you dont mind me asking, do you speak Polish?

an impossible question to answer, that all depends on how much house you buy, where you buy it, etc.

Simple, it isn't for the current valuation of the property. Hourse is probably worth $650k, outstanding loan $100k. so costing $5k per year for mortgage.

I wonder about property taxes (wealth or land tax), they can be up to 7% of valuation per year in the USA. Which is as Communistic as it comes.

How much does she pay in local taxes on top of the $450/month?


Poland has been called the Italy of the north. The fact is you need support from family to survive, I don't have any in the UK thanks to my murdering father but the family in Poland stick together. The people in their village are a mutual support system, food is bartered and favours swapped. I dunno if its power and influence, because favours have to be repaid.


Its a collected statistic. Milky should be able to find it himself.

Around 20-40% is normal in the western countries. US is lower end of the scale about 20% i think in the current market.

and in Poland??

Vastly distorted by the fact that so much of the housing stock is mortgage free. No mortgage=low cost of housing. This from 2008, its about 5kpln per person, so maybe 20k per household?

ceeconstruction.com/67961/Poland-8217-s-total-mortgage-debt-rises-to-PLN-189bn-at-the-end-of-October.shtml

europarl.europa.eu/document/activities/cont/201103/20110324ATT16330/20110324ATT16330EN.pdf

right.

it is VERY uncommon to meet someone in the USA, under the age of 50, without a mortgage/rent payment.

we aren't given homes here.

Utter bollocks, as most of the people here prove.

Actually you will be shocked how much property is owned in the US mortgage free, its something like 40%. I can't find the exact numbers, but the number of mortgages in most countries is far below the number of households.


Not everybody is brilliant like you and mortgage free. As WB and Fuzzywickets point out, surviving in Poland when you have to pay market rates and earn a normal wage is difficult. Having family help, or being a rich foreigner like yourself is a big advantage.

Your genius of being present in a country before property prices tripled is also a big advantage.

I wonder if that is grouped in with Section 8 housing. And yes, I am a bit surprised at that figure.

I also wonder what the percentage is of people under 60 years old, meaning people of working age, still raising kids, etc.

As for the average working day slob here though, amongst the middle class and a lot of middle upper class, the vast majority have mortgages.

Look here. Shows % of population overburdened by housing cost(paying 40 % or more of their equivalised disposable income on housingwhether it be rent, mortgage).

8.2% of Polish population is paying more than 40% of disposable income on rent. EU average is 12.1%. UK is 16.3%, Ireland 4% and Greece 22.1%. Poles are paying much less of their disposable income on accommodation costs than the EU average of 12.1%

Glossary:Housing cost overburden rate

The housing cost overburden rate is the percentage of the population living in households where the total housing costs ('net' of housing allowances) represent more than 40 % of disposable income ('net' of housing allowances).

Look here. Statistics on everything....

epp.eurostat.ec.europa.eu/statistics_explained/index.php/Housing_statistics

On one statistic - noise, pollution and crime - the Uk is far worse than Poland..
epp.eurostat.ec.europa.eu/statistics_explained/index.php/Housing_statistics


Page 9. 64% of Polish households are owner occupied with no mortgage or loan. Uk figure is 25%. Ireland is 41%

Less that 4% are paying market rent in PL. F*** me.

Only 6% of Poles have a mortgage and live in the property,

[quote=peterweg]Page 9. 64% of Polish households are owner occupied with no mortgage or loan. Uk figure is 25%. Ireland is 41%

Less that 4% are paying market rent in PL. F*** me.

Only 6% of Poles have a mortgage and live in the property,
[/quote

There you are Milky: "Peterweg is correct to point this out."

Your words, not mine.

What these figures suggest:

1. There is not a huge number of people overburdened with large mortgage payments or rent.
2. A Crash is not very likely (although prices are still falling ?)
3. The positive growth potential (due to the large assets available to 2/3rd of the population) is large
4. There is a large pent-up demand for better housing from Poles who are living in overcrowded accommodation.

Peter.... Please come to see REAL POLISH PEOPLE in REAL POLISH TOWNS before spouting of your rubbish.


64%... and a fair percentage of these live in 35sq/m 1 bedrooms apartments in crumbling ex-communist blocks that will be condemned in the next 20 years or in houses in villages that should also be condemned...it's not the amount of owner occupiers you need to look at but the overall state of the housing stock. The Polsih government don't build anywhere near the amount of social housing needed.

4%... paying market rent.... but ever increasing price rises and wages (inflation) mean that the other 32% will soon be paying this as well or be faced to live 3 generations of a family in a 3 bedroom house.

only 6% of Poles could ever afford to get a mortgage with a minimum wage of 1500zl a month.... wonder how many beidronka workers or factory workers have mortgages?

Come to Poland and see block after block of empty apartments....and block after block of crumbling apartments.

One would rather suspect that the figure who are paying market rent but whose landlords do not declare that rent is quite a bit higher than 4%. Let's all just ask ourselves one question: roughly what percentage of landlords in Poland give receipts for rent paid to them?


So the sky is not falling? Milky will be disappointed.

greed, I have been trying to point this out for the past 4 years.

Its not a survey of landlords, but of tenants so your point is invalid.


Milky's more extreme predictions are, quite simply, impossible. I'd say in the next year prices will start rising, and move towards the m2 level of say a country like Belgium over the next decade.


This link was missing, Page 9

94% of the population live in either mortgage free owner occupied property or in subsidized social housing.

I'd make a guess that all of them are ex-social housing. 30% are currently living in social housing at reduced or free rent, 64% mortgage free probably ex-social housing.

Realistically, how much demand do you think there will be to move into more social housing, against the desire to live in a self owned, modern, apartments/houses?

As far as I know - after the system changed, the housing cooperatives sold off their stock at ridiculously low prices. That would certainly explain much of the mortgage-free figure.

This form of privatization was an utter disaster in terms of screwing up this generation.