Buying off-plan in Poland: what to check

Step 1: Who is selling: the company behind the project

Ask for the developer’s full legal name and registration number, not only the brand, and look the company up in the official register. The company that signs your contract should be the one that holds the land or the approvals.

In our data

21 of 22 projects we track in Poland name the developer by its legal company.

Examples

• Osiedle Wilno: developer named as Dom Development S.A.
• Apartamenty Beethovena: developer named as Dom Development S.A.
• Apartamenty Grzybowska 11: developer named as Dom Development S.A.

Step 2: The land and what you will own

Find out exactly what you are buying: freehold, leasehold or a right of use, who holds the title today and what charges sit on it. Ask for the official registry extract, not a copy prepared by the seller.

What the rules and registers say

• The land and, later, each unit have a land and mortgage register (księga wieczysta). Ask for its number and read it online in the Ministry of Justice EKW service: owner, mortgages and claims entered for buyers.Elektroniczne Księgi Wieczyste (Ministry of Justice land and mortgage registers) (opened 14 November 2026)

In our data

18 of 22 projects we track in Poland publish an address or location precise enough for a map pin.

Freehold and leasehold in off-plan property

Step 3: Permits and approvals

Ask for the permit number and date and confirm them with the authority that issued them. A company licence or a sales registration is not a building permit.

In our data

0 of 22 projects we track in Poland publish a permit or licence number.

Step 4: Where your money goes

Before each payment, know which account it goes to and what protects it if the project stops. Pay only into the account named in your contract, never into a personal account or a broker’s.

What the rules and registers say

• A developer must give you one of two protections for your payments: an open or a closed housing escrow account (mieszkaniowy rachunek powierniczy) for the project, and must pay contributions to the Developer Guarantee Fund (Article 6). It must sign the escrow account agreement before it starts selling (Article 7).Act of 20 May 2021 on the protection of the rights of buyers of a dwelling or a single-family house and the Developer Guarantee Fund, consolidated text Dz.U. 2026 item 880 (12 June 2026), Articles 6, 7 and 32 (read 14 November 2026)

In our data

0 of 22 projects we track in Poland state how buyer payments are protected (escrow, bank guarantee or insurance).

Escrow and deposit protection in off-plan property · Payment plans and deposits in off-plan property

Step 5: Recording your purchase and the contract

Check how your purchase is recorded before completion and what the contract says about delays, changes and refunds. Have an independent local lawyer or notary read it before you sign.

What the rules and registers say

• A reservation agreement may come before the developer agreement. The reservation fee may not exceed 1% of the price stated in the information prospectus, and it counts towards the price (Article 32).Act of 20 May 2021 on the protection of the rights of buyers of a dwelling or a single-family house and the Developer Guarantee Fund, consolidated text Dz.U. 2026 item 880 (12 June 2026), Articles 6, 7 and 32 (read 14 November 2026)

Step 6: Handover dates and progress on site

Compare the handover date you are promised with the record: earlier dates for this project and how the developer’s other projects went. Then check progress on site before each staged payment.

In our data

0 of 22 projects we track in Poland have a handover date on record that has passed; 0 had the date moved later.

Examples

• Korkowa 146: handover date on record Q4 2027, no change so far