How Not to Lose Money When Renting a Flat
How to avoid losing money when renting in Poland: deposit, scams, contract, guarantor statement and safety tips.
How Not to Lose Money When Renting a Flat
Renting in Poland carries risks: you might meet scammers, lose your deposit, or overpay for services. To avoid financial loss, you need to know the rules, the legal specifics, and how to protect your rights. This guide explains how to stay safe and keep your money.
Main financial risks in renting
- Losing the deposit. Some landlords keep the deposit without valid reasons.
- Advance payment to scammers. Money is sent and the flat doesn’t exist.
- Unofficial tenancy. Without a written contract you have little legal protection.
- Unclear utility charges. Inflated bills due to vague terms.
- Hidden penalties. Unfair clauses may be buried in the contract.
How to protect your deposit
- Always sign a written agreement (Najem Okazjonalny offers the strongest protection).
- Prepare a detailed check-in handover protocol with photos.
- Spell out deposit return conditions in the contract.
- Pay the deposit only by bank transfer or with a written receipt.
How to avoid scams
| Situation | Red flag | What to do |
|---|---|---|
| Online listing | Below-market price, no photos or stock images | Verify the address and insist on an in-person viewing |
| Payment before signing | Landlord pushes for a quick transfer | Never pay without a signed contract |
| Owner without documents | Cannot prove ownership | Request an extract from the land & mortgage register (księga wieczysta) |
How to review the contract properly
- Read all clauses carefully, especially penalties and termination.
- Clarify who pays utilities and on what basis.
- Check that payment amounts and due dates are specified.
- Confirm the landlord’s signature and the notary’s form (for Najem Okazjonalny).
The role of the guarantor statement
With Najem Okazjonalny, a guarantor statement with a move-out address is mandatory. It reduces risks and makes the lease legally stronger. For the tenant it’s also a safeguard against unlawful, groundless evictions.
Practical tips for tenants
- Keep all payment confirmations and correspondence with the landlord.
- Never rely on verbal agreements.
- Compare market prices to avoid overpaying.
- Use reputable portals and agencies.
FAQ
How do I get my deposit back if the landlord refuses?
With a written contract you can involve a lawyer or go to court. Without a contract, recovery is very difficult.
Should students sign a Najem Okazjonalny lease?
Yes—especially for long-term rentals. It protects against sudden eviction and monetary loss.
Can I pay in cash?
Yes, but only with a written receipt. Bank transfer is preferable for transparency.
Conclusion
To avoid losing money when renting in Poland, sign a written contract, arrange a guarantor statement, verify documents, and document every payment. Najem Okazjonalny is the most reliable form of tenancy, reducing risks and providing legal protection for both tenant and landlord.
Protect yourself from financial losses when renting — choose a reliable guarantee
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Protect yourself from financial losses when renting — choose a reliable guarantee
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