Job Discussion Forums

[dragonpiwo]

Yep, I agree with you on that.

I contribute to Poland via its private sector. Private health picked up by BUPA and fee paying schools. I mostly use public transport and use the toll roads when I drive long distance. That wasn't really fair.

I got my WIFE pregnant and that's it.

[Master Shake]

My friend ate a Polish sausage once, does that make him a tax resident in PL?

[dragonpiwo]

I'd say yes, unless your friend is Polish of course . Actually, our Polish friend/neighbour avoided most of the purchase costs/taxes when she bought her flat. I'll have to look into that. Said neighbour did get caught doing 73 in a 50 zone at the weekend too , which made her 100Zl poorer.

The irony of all this is that I'm probably at the 'really-not-very-risky' end of the risk spectrum. Once you've had a salary paid into a bank for ages, got the Zameldowania, Karta Pobytu and given them your passport copy and work contract, which is open ended and for life, I'd have thought that was enough. Getting a letter saying I pay tax in Africa is no problem. Banks use Experian etc to do credit checks. We're looking into a joint mortgage now and she requires just 3 things because she's Polish. It isn't foreigner friendly at all. No doubt I'll need to get it all done again as the dates on the docs aren't within a month of each other or something dumb.

[mitsui]

I wonder if it is easier for a Pole to get a mortgage in the UK.

[Richfilth]

One of the main issues is not how risky you are initially, but how hard it will be to make a claim against you if you do default on your mortgage. If you're not tax-resident in Poland then Urzad Skarbowy can't make any automatic deductions from your salary, and while a komornik may be involved in an unsettled debt, they'll have next to no power when it comes to reclaiming any monies not covered by the capital investment.

Poland is deeply distrustful when it comes to dishing out loans, and quite rightly so when you look at the global economy.

[dragonpiwo]

That's a good point. Fortunately we are getting there. Actually, we're going to get married, so it might just be easier to wait till after that. I don't see prices going anywhere for a while. The US deal has only kicked the can down the road and Poland had its housing bubble, which is truly done and dusted. Looking at the Polish market, houses are still good value, it's the flats that are overpriced IMHO. Poznan seems to live in a bubble all of its own but get outside 10-20KM and there are some nice places with nice gardens. For going out, Poznan has really gone down hill in the last few years, which is a shame as it's now mediocre at best.