How to avoid problems when renting from a private owner

How to avoid problems when renting from a private owner

Renting an apartment from a private owner in Poland can be convenient and affordable, but it also carries certain risks. Unlike real-estate agencies with formal procedures, direct rentals leave more room for unfair terms or even fraud. To keep your rental safe and smooth, know what to look out for in advance.

Main risks when renting from a private owner

• No written contract. Some owners propose verbal arrangements, leaving the tenant unprotected.
• Hidden charges. Extra payments for utilities or repairs may not be disclosed upfront.
• Mismatched listing. The flat may differ from the photos in the ad.
• Violations of tenant rights. Early move-out demands or intrusion on privacy.
• Fraud. Cases where someone who is not the owner rents out the property.

How to rent properly from a private owner

1. Verify the owner

Before signing, confirm the landlord is the actual owner. Ask for a printout from the land and mortgage register (księga wieczysta).

2. Sign a written contract

Always sign a written agreement, even if you trust the owner. The best option is a Najem Okazjonalny contract notarized by a notary — it protects both parties and defines the eviction procedure.

3. Deposit

The deposit (kaucja) must be stated in the contract. Never hand over cash without a receipt or payment confirmation.

4. Inspect the apartment

Carefully check the premises before moving in. Prepare a move-in handover report with photos; it helps avoid disputes at move-out.

5. Check utilities

Clarify which costs are included in the rent and which are separate. Ask for recent bills for water, gas, and electricity.

Tips for tenants

• Keep all payment confirmations.
• Never rely on verbal agreements — use a written contract.
• Save all communications with the landlord (email or messengers).
• Use official services to obtain the guarantor statement (owner’s declaration).

FAQ

Conclusion

Renting from a private owner can be safe if you approach it carefully and formally. Verify the owner, sign a written contract, document the flat’s condition, and keep all receipts. The best route is using Najem Okazjonalny: it protects both tenant and landlord and reduces the risk of disputes.