How to rent an apartment in Poland as a foreigner

How to rent an apartment if you are a foreigner

Renting in Poland as a foreigner takes extra care and preparation. Although the rental market is developed, landlords can be cautious with foreign tenants due to language barriers, lack of local credit history, and the need for legal safeguards. To rent successfully, know which documents are required, what challenges may arise, and how to handle them.

What’s different for foreigners

• Guarantor requirement. Landlords often ask for a Najem Okazjonalny lease with a guarantor statement to protect against non-payment or issues with move-out.
• Language barrier. Most contracts are in Polish — use a translator or advisor.
• Trust concerns. Owners may fear a sudden departure without fulfilling obligations.
• Financial history. Foreigners usually lack a Polish credit record, making a guarantor especially important.

Documents a foreigner will need

• Passport or residence card.
• Najem Okazjonalny contract (signed at a notary).
• Guarantor statement (owner’s declaration of an alternative address).
• Proof of income (employment contract, bank letter).
• Move-in handover report.

Step-by-step: renting as a foreigner

Step 1. Find a place

Use major listing sites (OLX, Otodom, Gratka) or an agency. For foreigners, an agency is often the safer route.

Step 2. Prepare documents

Have your passport, residence card (if any), proof of income, and guarantor contacts ready.

Step 3. Sign the agreement

Prefer a Najem Okazjonalny notarized lease. It boosts landlord confidence and gives you clear, enforceable terms.

Step 4. Payment and deposit

A deposit (kaucja) of one to three months’ rent is typical. Ensure the deposit rules are written into the contract.

Step 5. Keys and move-in

After signing and payment, the landlord hands over the keys. Always sign a handover report describing the flat’s condition.

Common challenges

• Landlord reluctance to rent to foreigners — offer a proper guarantor statement.
• High deposit — negotiate installment payments.
• Language barrier — use a translator or consultant.
• Unreliable owners — verify the property documents.

Tips for foreigners

• Arrange the guarantor statement in advance — it’s your strongest argument.
• Always insist on a written contract.
• Never pay without a receipt or bank transfer record.
• Keep all originals and copies of documents.

FAQ

Conclusion

Renting in Poland as a foreigner is feasible and safe when done properly. The key elements are a written contract, a valid guarantor statement, and transparent payments. With your documents prepared and a Najem Okazjonalny signed at a notary, you’ll reduce risk and earn your landlord’s trust.