Foreigners do not need a permit to buy a standard apartment (lokal mieszkalny). A permit is usually required for a house, land, or a "townhouse" registered as a house with a plot.
With these details, I can tell you if you need a permit and what the specific financing papers are. buying property in poland
Documents proving legal residence, marriage to a Polish citizen, or business interests (e.g., residence card, marriage certificate). Key Procedures and Considerations Foreigners do not need a permit to buy
Bank statements, employment contracts, or tax returns (PIT forms). Documents proving legal residence, marriage to a Polish
Purchasing property in border areas requires a permit, regardless of nationality.
Non-EU citizens generally need a permit from the Ministry of Internal Affairs and Administration to purchase houses, plots, or agricultural land.
The 2% Tax on Civil Law Transactions is waived for the purchase of a first residential property.