How to find housing in Poland if you don’t have a guarantor

How to find housing if you don’t have a guarantor

In Poland, with a Najem Okazjonalny lease, a guarantor statement plays a key role. It indicates the address the tenant agrees to move to if the contract is terminated and serves as security for the landlord. But what if you don’t have friends or family who can act as a guarantor? Here are practical solutions and tips to help you rent even without a guarantor.

Why landlords ask for a guarantor

A guarantor is legal protection for the owner. It assures that a tenant won’t remain in the flat without a right to occupy it. For foreigners and students this requirement is common because they lack a Polish credit history.

Possible solutions when you have no guarantor

1. Guarantor from an organisation

Some companies provide paid guarantor statements. This is a reliable option because documents are prepared professionally and comply with Najem Okazjonalny requirements.

2. Notarised guarantor statement with “address later”

If you don’t have a fixed address or guarantor yet, you can choose a variant where the address will be added later. This can make signing the lease easier.

3. A standard lease instead of Najem Okazjonalny

Some landlords accept a regular lease (Umowa Najmu) that doesn’t require a guarantor. However, this gives less protection to both sides.

4. Real-estate agencies

Agencies often have listings where a guarantor is not mandatory, though you should factor in the agency fee.

5. Alternative guarantees

If you don’t have a guarantor, offer other forms of security:

• a larger deposit (e.g., 2–3 months);
• proof of income or an employment contract;
• references from your employer or previous landlord.

Tips for tenants without a guarantor

• Explain your situation honestly — many landlords are flexible.
• Prepare documents proving stable income.
• Use reputable online services that arrange guarantor statements — it’s safer than verbal promises.
• Keep all payment records and correspondence.

FAQ

Conclusion

Not having a guarantor doesn’t make renting impossible. You can use third-party guarantor services, notarised “address later” options, a higher deposit, or a standard lease. The key is to offer reasonable security to the landlord and sign only official agreements to protect yourself from potential issues.