Why you shouldn’t rent without a contract

Why you shouldn’t rent without a contract

Many tenants — especially students and foreigners — are tempted to rent a flat or room without a contract. It seems faster and easier: no paperwork, no notary, no guarantor. In reality, renting without an official agreement is a major risk that can lead to serious problems for both tenant and landlord.

Key risks of renting without a contract

• No proof of occupancy. Without a contract it’s hard to prove you legally live there.
• Risk of sudden eviction. The owner can ask you to leave at any time without explanation.
• Deposit issues. Without documents you’ll struggle to get your money back if it’s withheld.
• Hidden charges. Extra costs may appear with nothing in writing.
• No legal protection. In a dispute you can’t effectively defend your rights in court.

Risks for landlords

• Unpaid rent. It’s hard to recover debts without a written agreement.
• Damage to the property. Proving losses and getting compensation is difficult.
• Legal/tax exposure. “Off the books” letting can trigger tax and legal consequences.

Benefits of renting with a contract

• Clear, transparent terms.
• Deposit return is regulated.
• Legal protection if a dispute arises.
• Fixed rent and defined tenancy term.
• Option to use Najem Okazjonalny for extra safety.

What makes Najem Okazjonalny different

In Poland, Najem Okazjonalny is a popular form notarized by a notary and supported by a guarantor statement. It protects both sides: the landlord from non-payers and the tenant from sudden eviction. If you want a safer arrangement, choose this option.

Common trouble spots without a contract

• The landlord refuses to return the deposit.
• The owner suddenly demands you move out because “family needs the flat”.
• The tenant stops paying and eviction becomes very difficult.
• Hidden defects appear and the owner refuses to fix them.

Tips for tenants

• Never rely on verbal agreements.
• Always insist on a written contract signed by both parties.
• Check the property documents before signing.
• Keep a copy of the contract and all payment confirmations.

FAQ

Conclusion

Renting without a contract only looks cheaper at first glance. In practice it brings big risks: loss of money, sudden eviction, and no legal protection. To avoid problems, always sign a written contract and — where possible — use the Najem Okazjonalny form. It ensures transparency, safety, and peace of mind for both sides.