Real Estates in Warsaw, why with us ?
Description of the best expats districts to live in Warsaw
Why us?
If you are looking for a professional assistance with homesearch and settling-in in Warsaw just e-mail:
info@cudzoziemiec.eu
We are a professional Real Estate Agency, we have a large database of ads, in addition we look for all available offers in the market, meeting the requirements of future tenants.
In our database we have offers of luxury apartments,
luxury houses in Warsaw, Wilanow , and
Konstancja compound close to the American school, also
apartments for rent Mokotow, Saska Kepa. You can find also Pentouses for rent or sell, exclusive apartments and exclusive house for rent or sell. In the absence in our database of offers meeting the requirements of the future Tenant we check the availability in the Real Estate agencies with which we cooperate on the basis of signed agreements. These are checked companies to ensure, like we do, the highest level of services.
We are also the Real Estate agency in Warsaw which is offering luxurious properties, apartments, pentouses, houses for rent in Warsaw. We deal with ,
houses for rent in Warsaw , the best
apartments for rent Warsaw, apartments for sale and rent in Warsaw. In our wide offer you'll find more than 3000 offers for rent of houses and apartments in Wilanow, Mokotow, Konstancin. In our offer only rent of prime location in Warsaw. If you will need an apartment for rent in Warsaw neighbourhood, for foreigners, for expatriates through a reliable real estate agency Warsaw please do not hesitate to get in touch with us. We specialize in Warsaw rentals, studios for rent, penthouse for rent, we will help you to find an apartment in Warsaw. Houses and apartments for foreigners in the American, British, German school neighbourhood are also in our data-base. Hundreds of houses and apartments in best neighbourhoods, rental in best locations, apartments and houses in prime locations that it is what you can expect working with us. We offer Warsaw rentals, studios for rent, penthouses for rent, we will help to find an apartment in Warsaw. We offer houses and apartments for foreigners, Expats,
Expatriates.
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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 ![](./nieruchomosci_files/est_3640_0_m.jpg) | house for rent | Warszawa, Mokotów, Niedźwiedzia, 220m2, rooms: 4 | 9000 PLN | |
House newly renovated, furnished, fully equipped kitchen and laundry facilities.
Garage and space for 2 car. House modern and unique. Close to bus ... |
![](./nieruchomosci_files/est_3639_0_m.jpg) | house for rent | Konstancin, Harmonium, 220m2, rooms: 4 | 10000 PLN | |
We offer to rent new, now-finished and still uninhabited house - half of the duplex in a gated community Harmonium Konstancin. Whole
house size is ... |
![](./nieruchomosci_files/est_3638_0_m.jpg) | house for rent | Warszawa, Wilanów, Zapłocie, 280m2, rooms: 5 | 8000 PLN | |
The house is located on the street Zapłocie Wilanow estate "Patio" with a total area of ??280 square meters.
The ground floor consists of:
... |
![](./nieruchomosci_files/est_3637_0_m.jpg) | house for rent | Konstancin, Berezowskiej, 200m2, rooms: 4 | 9000 PLN | |
The house consists of three levels:
Ground floor: very well arranged around 50m2 dining and living area with kitchen open to the... |
![](./nieruchomosci_files/est_3636_0_m.jpg) | house for rent | Warszawa, Wilanów, Lenza, 320m2, rooms: 6 | 11000 PLN | |
House in a secluded part of the Old Wilanow, ideal for families with children.
Unique in terms of the available Internet speed - up to 220 MB / s c... |
![](./nieruchomosci_files/est_3635_0_m.jpg) | apartment for rent | Warszawa, Ursynów, Pileckiego, 54m2, rooms: 2 | 2800 PLN | |
Two-bedroom apartment with an area of 54 sq.m. is situated on the estate Olimpia (Str. Pileckiego 130). Fully furnished and equipped. It consists of l... |
![](./nieruchomosci_files/est_3634_0_m.jpg) | apartment for rent | Warszawa, Ursynów, Alternatywy, 58m2, rooms: 2 | 2700 PLN | |
It consists of a kitchen, living room, bathroom, dressing room, bedroom and balcony. Kitchen with integrated fridge, dishwasher, electric oven, hob.
... |
![](./nieruchomosci_files/est_3633_0_m.jpg) | apartment for rent | Warszawa, Ursynów, Kłobucka, 57m2, rooms: 3 | 3000 PLN | |
New apartment recently finished fully furnished. Near Domaniewska, Galeria Mokotów, horse racing. Public transport, shops, schools and kindergartens ... |
![](./nieruchomosci_files/est_3632_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Grzybowska, 50m2, rooms: 2 | 4000 PLN | |
For rent a bright apartment with total area of 50 sq.m. situated on the 10.floor in the apartment building of 2008 with underground car park in the ci... |
![](./nieruchomosci_files/est_3631_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Warecka, 76m2, rooms: 3 | 4800 PLN | |
For rent a large apartment with total area of 76 sq.m. situated in the old building of 1953 in the city centre! The apartment consists of living room ... |
![](./nieruchomosci_files/est_3630_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Królewska, 58m2, rooms: 2 | 5400 PLN | |
For rent an apartment with total area of 58 sq.m. situated on the second floor in the old buiding of 1930 with its installations and interior entirely... |
![](./nieruchomosci_files/est_3629_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Ogrodowa, 44m2, rooms: 2 | 4200 PLN | |
For rent a modern and bright apartment with total area of 44 sq.m. situated on the 6.floor in the closed and secured apartment building in the city ce... |
![](./nieruchomosci_files/est_3628_0_m.jpg) | apartment for rent | Warszawa, Mokotów, Chodkiewicza, 60m2, rooms: 2 | 3500 PLN | |
For rent a modernly designed 1-bedroom apartment with total area of 60 sq.m. situated on the second floor in the low apartment building of 2011 within... |
![](./nieruchomosci_files/est_3627_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Chłodna, 60m2, rooms: 2 | 3900 PLN | |
For rent a cozy apartment with total area of 60 sq.m. situated in the apartment building of 2007 within a modern apartment building on the borderline ... |
![](./nieruchomosci_files/est_3626_0_m.jpg) | apartment for rent | Warszawa, Wola, Kolejowa, 55m2, rooms: 3 | 4200 PLN | |
For rent a 2-bedroom apartment with total area of 55 sq.m. situated on the third floor in the new apartment building of 2015 within a modern compound ... |
![](./nieruchomosci_files/est_3625_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Grzybowska, 72m2, rooms: 2 | 5500 PLN | |
For rent a luxurious apartment with total area of 72 sq.m. sitauated in a perfect apartment building in the city centre, between the Saski Garden and ... |
![](./nieruchomosci_files/est_3624_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Bonifraterska, 76m2, rooms: 2 | 6000 PLN | |
For rent a spacious apartment with total area of 76 sq.m. situated in a luxurious apartment building in the city centre, close to the Old Town. The ap... |
![](./nieruchomosci_files/est_3623_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Stawki, 74m2, rooms: 3 | 4500 PLN | |
For rent a modernly designed apartment with total area of 74 sq.m. situated on the third floor in the closed and secured apartment compound in the cit... |
![](./nieruchomosci_files/est_3622_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Książęca, 95m2, rooms: 3 | 7900 PLN | |
For rent a two-bedroom apartment with total area of 95 sq.m. situated on the first floor in the great Warsaw investment Holland Park in the city centr... |
![](./nieruchomosci_files/est_3621_0_m.jpg) | apartment for rent | Warszawa, Śródmieście, Książęca, 98m2, rooms: 3 | 9000 PLN | |
For rent a modernly designed apartment with total area of 98 sq.m. situated on the first floor in one of the best apartment buildings in Warsaw, Holla... |
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We know four foreign languages and we do a detailed interview what is an Expat looking for in Warsaw.
In our range of services you'll find:
a) Collaboration with real estate rental agencies
b) Negotiation, preparing and possible signing of immobility’s rental agreements on client behalf.
c) Preparing dismissal notices, forwarding to landlord and then to interested parts.
d) Contacting the real estate owners.
e) Choosing the adequate offers basing on foreigner requirements and preferences.
f) Organization of preview trip of proposed immobility’s transportation, escort on meetings in real estate agencies, viewing immobility, negotiation of lease agreement
Preview trips of the chosen locations, negotiation of lease agreement ( we now the prices on the market in different districts), photo session of chosen property that will accompany the lease agreement.
Firstly we agree the detail with the expat and then we are looking for the offers on the Warsaw real estate market.
Distance from schools, work place, park view, kitchen, bedrooms, bathrooms, flat style - we now that these are very important when you are moving to a new city and you''ll have to live there for some years !
We are speaking 3-4 foreign languages, the owner has been living a lot of years abroad, so he perfectly knows what does it mean to be an expat himself.
Are you looking for a modern apartment, or maybe a tenement house
furnished with style?
Do you dream of a wonderful view from your own penthouse, or maybe
a house with a beautiful garden, just minutes from the city center?
Service for business rentals seeks out clients, coming for work to Warsaw, looking for rentals suited to their individual tastes.
Regardless if you are an individual, corporate or institutional client, you can
trust us to find the right apartments for you.
How does it work ?
You specify your needs through an on-line questionnaire. We send you offers with our apartments according to your requirements. Together we
tour your choices at your convenience.
Some words about REAL ESTATES :
In the common law, real property (or realty) refers to one of the three main classes of property, the other two classes being personal property and intellectual property. Real property generally encompasses land, land improvements resulting from human effort including buildings and machinery sited on land, and various property rights over the preceding.
Estates & ownership interests defined
The law recognizes different sorts of interests, called estates, in real property. The type of estate is generally determined by the language of the deed, lease, or bill of sale through which the estate was acquired. Estates are distinguished by the varying property rights that vest in each, and that determine the duration and transferability of the various estates. A party enjoying an estate is called a "tenant."
Some important types of estates in land include:
* Fee simple: An estate of indefinite duration, that can be freely transferred. The most common and perhaps most absolute type of estate, under which the tenant enjoys the greatest discretion over the disposition of the property.
* Conditional Fee simple: An estate lasting forever as long as one or more conditions stipulated by the deed's grantor does not occur. If such a condition does occur, the property reverts to the grantor, or a remainder interest is passed on to a third party.
* Fee tail: An estate which, upon the death of the tenant, is transferred to his heirs.
* Life estate: An estate lasting for the natural life of the grantee, called a "life tenant." If a life estate can be sold, a sale does not change its duration, which is limited by the natural life of the original grantee.
o A life estate pur autre vie is held by one person for the natural life of another person. Such an estate may arise if the original life tenant sells her life estate to another, or if the life estate is originally granted pur autre vie.
* Leasehold: An estate of limited duration, as set out in a contract, called a lease, between the party granted the leasehold, called the lessee, and another party, called the lessor, having a longer lived estate in the property. For example, an apartment-dweller with a one year lease has a leasehold estate in her apartment. Lessees typically agree to pay a stated rent to the lessor.
A tenant enjoying an undivided estate in some property after the termination of some estate of limited duration, is said to have a "future interest." Two important types of future interests are:
* Reversion: A reversion arises when a tenant grants an estate of lesser maximum duration than his own. Ownership of the land returns to the original tenant when the grantee's estate expires. The original tenant's future interest is a reversion.
* Remainder: A remainder arises when a tenant with a fee simple grants someone a life estate or conditional fee simple, and specifies a third party to whom the land goes when the life estate ends or the condition occurs. The third party is said to have a remainder. The third party may have a legal right to limit the life tenant's use of the land.
Estates may be held jointly as joint tenants with rights of survivorship or as tenants in common. The difference in these two types of joint ownership of an estate in land is basically the inheritability of the estate. In joint tenancy (sometimes called tenancy of the entirety when the tenants are married to each other) the surviving tenant (or tenants) become the sole owner (or owners) of the estate. Nothing passes to the heirs of the deceased tenant. In some jurisdictions the magic words "with right of survivorship" must be used or the tenancy will assumed to be tenants in common. Tenants in common will have a heritable portion of the estate in proportion to their ownership interest which is presumed to be equal amongst tenants unless otherwise stated in the transfer deed.
Real property may be owned jointly with several tenants, through devices such as the condominium, housing cooperative, and building cooperative.
Jurisdictional peculiarities
In the law of almost every country, the state is the ultimate owner of all land under its jurisdiction, because it is the sovereign, or supreme lawmaking authority. Physical and corporate persons do not have allodial title; they do not "own" land but only enjoy estates in the land, also known as "equitable interests."
England and Wales
In the United Kingdom, the The Crown is held to be the ultimate owner of all real property in the realm. This fact is material when, for example, property has been disclaimed by its erstwhile owner, in which case the law of escheat applies. In some other jurisdictions (not including the United States), real property is held absolutely.
English law has retained the common law distinction between real property and personal property, whereas the civil law distinguishes between "movable" and "immovable" property. In English law, real property is not confined to the ownership of property and the buildings sited thereon – often referred to as "land." Real property also includes many legal relationships between individuals or owners of land that are purely conceptual. One such relationship is the easement, where the owner of one property may enjoy the right to pass over a neighboring property. Another is the various "incorporeal hereditaments," such as profits a prendre, where an individual may have the right to take crops from land that is part of another's estate.
English law retains a number of forms of property which are largely unknown in other common law jurisdictions such as the advowson, chancel repair liability and lordships of the manor. These are all classified as real property, as they would have been protected by real actions in the early common law.
USA
This section requires expansion.
Each U.S. State except Louisiana has its own laws governing real property and the estates therein, grounded in the common law. In Arizona,[citation needed], real property is generally defined as land and the things permanently attached to the land. Things that are permanently attached to the land, also can be referred to as improvements, include homes, garages, and buildings. Manufactured homes can obtain an affidavit of affixture.
Economic aspects of real property
Land use, land valuation, and the determination of the incomes of landowners, are among the oldest questions in economic theory. Land is an essential input (factor of production) for agriculture, and agriculture is by far the most important economic activity in preindustrial societies. With the advent of industrialization, important new uses for land emerge, as sites for factories, warehouses, offices, and urban agglomerations. Also, the value of real property taking the form of man-made structures and machinery increases relative to the value of land alone. The concept of real property eventually comes to encompass effectively all forms of tangible fixed capital. with the rise of extractive industries, real property comes to encompass natural capital. With the rise of tourism and leisure, real property comes to include scenic and other amenity values.
Starting in the 1960s, as part of the emerging field of law and economics, economists and legal scholars began to study the property rights enjoyed by tenants under the various estates, and the economic benefits and costs of the various estates. This resulted in a much improved understanding of the:
* Property rights enjoyed by tenants under the various estates. These include the right to:
o Decide how a piece of real property is used;
o Exclude others from enjoying the property;
o Transfer (alienate) some or all of these rights to others on mutually agreeable terms;
* Nature and consequences of transaction costs when changing and transferring estates.
For an introduction to the economic analysis of property law, see Shavell (2004), and Cooter and Ulen (2003). For a collection of related scholarly articles, see Epstein (2007). Ellickson (1993) broadens the economic analysis of real property with a variety of facts drawn from history and ethnography.
Historical background
In common law, real property was property that could be protected by some form of real action, in contrast to personal property, where a plaintiff would have to resort to another form of action. As a result of this formalist approach, some things the common law deems to be land would not be classified as such by most modern legal systems, for example an advowson (the right to present to the living of a church) was real property. By contrast the rights of a leaseholder originate in personal actions and so the common law originally treated a leasehold as part of personal property.
The law now broadly distinguishes between real property (land and anything affixed to it) and personal property (everything else, e.g., clothing, furniture, money). The conceptual difference was between immovable property, which would transfer title along with the land, and movable property, which a person would retain title to. (The word is not derived from the notion of land having historically been "royal" property.[citation needed] The word royal – and its Spanish cognate real – come from the unrelated Latin word rex, meaning king.)
In modern legal systems derived from English common law, classification of property as real or personal may vary somewhat according to jurisdiction or, even within jurisdictions, according to purpose, as in defining whether and how the property may be taxed.
Bethell (1998) contains much historical information on the historical evolution of real property and property rights.
Real estate is a legal term (in some jurisdictions, notably in the USA, United Kingdom, Canada, and Australia) that encompasses land along with anything permanently affixed to the land, such as buildings, specifically property that is fixed in location.[1] Real estate law is the body of regulations and legal codes which pertain to such matters under a particular jurisdiction. Real estate is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also sometimes called chattel or personalty under chattel law or personal property law).
However, in some situations the term "real estate" refers to the land and fixtures together, as distinguished from "real property," referring to ownership rights of the land itself.[clarification needed]
The terms real estate and real property are used primarily in common law, while civil law jurisdictions refer instead to immovable property.
In law, the word real means relating to a thing (res/rei, thing, from O.Fr. reel, from L.L. realis "actual," from Latin. res, "matter, thing"[2]), as distinguished from a person. Thus the law broadly distinguishes between "real" property (land and anything affixed to it) and "personal" property (everything else, e.g., clothing, furniture, money). The conceptual difference was between immovable property, which would transfer title along with the land, and movable property, which a person would retain title to. The oldest use of the term "Real Estate" that has been preserved in historical records was in 1666.[2]
The use of "real" to refer to land also reflects the ancient preference for land, and the ownership thereof (and the owners thereof). This, in turn reflects the values of the medieval feudal system, which is the ultimate root of the common law.
Some have claimed that the word Real is derived from "royal" (The word royal—and its Spanish cognate real—come from the related Latin word rex-regis, meaning king. For hundreds of years the Royal family / King owned the land, and the peasants paid rent or property taxes to be on the Royal's land. Today, just like hundreds of years in the past, we pay property taxes, or rent to be on the government's land or the Royal Estate). However, the "real" in "real property" is derived from the Latin for "thing".[3]
Real estate terminology and practice outside the United States (around the world)
Real estate as "real property" in the U.K.
In British usage, “real property”, often shortened to just “property”, generally refers to land and fixtures, while the term “real estate” is used mostly in the context of probate law, and means all interests in land held by a deceased person at death, excluding interests in money arising under a trust for sale of or charged on land.[4]
See Real property for a definition and Estate agent for a description of the practice in the UK.
Real estate in Mexico and Central America
The real estate business in Mexico and Central America is different from the way that it is conducted in the United States.
Some similarities include a variety of legal formalities (with professionals such as real estate agents generally employed to assist the buyer); taxes need to be paid (but typically less than those in U.S.); legal paperwork will ensure title; and a neutral party such as a title company will handle documentation and monies in order to make the smooth exchange between the parties. Increasingly, U.S. title companies are doing work for U.S. buyers in Mexico and Central America.
Prices are often much cheaper than most areas of the U.S., but in many locations, prices of houses and lots are as expensive as the U.S., one example being Mexico City. U.S. banks have begun to give home loans for properties in Mexico, but, so far, not for other Latin American countries.
One important difference from the United States is that each country has rules regarding where foreigners can buy. For example, in Mexico, foreigners cannot buy land or homes within 50 km of the coast or 100 km from a border unless they hold title in a Mexican Corporation or a Fideicomiso (a Mexican trust). In Honduras, however, they may buy beach front property directly in their name. There are also different special rules regarding certain types of property: ejidal land – communally held farm property – can only be sold after a lengthy entitlement process, but that does not prevent them from being offered for sale.
In Costa Rica, real estate agents do not need a license to operate, but the transfer of property requires a lawyer.
Business sector
With the development of private property ownership, real estate has become a major area of business. Purchasing real estate requires a significant investment, and each parcel of land has unique characteristics, so the real estate industry has evolved into several distinct fields. Specialists are often called on to valuate real estate and facilitate transactions. Some kinds of real estate businesses include:
* Appraisal: Professional valuation services
* Brokerages: A fee charged by the mediator who facilitates a real estate transaction between the two parties.
* Development: Improving land for use by adding or replacing buildings
* Property management: Managing a property for its owner(s)
* Real estate marketing: Managing the sales side of the property business
* Real estate investing: Managing the investment of real estate
* Relocation services: Relocating people or business to a different country
* Corporate Real Estate: Managing the real estate held by a corporation to support its core business—unlike managing the real estate held by an investor to generate income
Within each field, a business may specialize in a particular type of real estate, such as residential, commercial, or industrial property. In addition, almost all construction business effectively has a connection to real estate.
"Internet real estate" is a term coined by the internet investment community relating to ownership of domain names and the similarities between high quality internet domain names and real-world, prime real estate.
Residential real estate
The legal arrangement for the right to occupy a dwelling is known as the housing tenure. Types of housing tenure include owner occupancy, Tenancy, housing cooperative, condominiums (individually parceled properties in a single building), public housing, squatting, and cohousing.
Residences can be classified by, if, and how they are connected to neighboring residences and land. Different types of housing tenure can be used for the same physical type. For example, connected residents might be owned by a single entity and leased out, or owned separately with an agreement covering the relationship between units and common areas and concerns.
'Singe-family detached home'
Major physical categories in North America and Europe include:
* Attached / multi-unit dwellings
o Apartment ("flat" outside North America) - An individual unit in a multi-unit building. The boundaries of the apartment are generally defined by a perimeter of locked or lockable doors. Often seen in multi-story apartment buildings.
o Multi-family house - Often seen in multi-story detached buildings, where each floor is a separate apartment or unit.
o Terraced house (a.k.a. townhouse or rowhouse) - A number of single or multi-unit buildings in a continuous row with shared walls and no intervening space.
o Condominium - Building or complex, similar to apartments, owned by individuals. Common grounds are owned and shared jointly. There are townhouse or rowhouse style condominiums as well.
* Semi-detached dwellings
o Duplex - Two units with one shared wall.
* Single-family detached home
* Portable dwellings
o Mobile homes - Potentially a full-time residence which can be (might not in practice be) movable on wheels.
o Houseboats - A floating home
o Tents - Usually very temporary, with roof and walls consisting only of fabric-like material.
The size of an apartment or house can be described in square feet or meters. In the United States, this includes the area of "living space", excluding the garage and other non-living spaces. The "square meters" figure of a house in Europe may report the total area of the walls enclosing the home, thus including any attached garage and non-living spaces, which makes it important to inquire what kind of surface definition has been used.
It can also be described more roughly by the number of rooms. A studio apartment has a single bedroom with no living room (possibly a separate kitchen). A one-bedroom apartment has a living or dining room separate from the bedroom. Two bedroom, three bedroom, and larger units are also common. (A bedroom is defined as a room with a closet for clothes storage.)
See List of house types for a complete listing of housing types and layouts, real estate trends for shifts in the market and house or home for more general information.
Market sector value
According to The Economist, "developed economies" assets at the end of 2002 were the following[citation needed]:
* Residential property: $48 trillion;
* Commercial property: $14 trillion;
* Equities: $20 trillion;
* Government bonds: $20 trillion;
* Corporate bonds: $13 trillion;
* Total: $115 trillion.
That makes real estate assets 54% and financial assets 46% of total stocks, bonds, and real estate assets. Assets not counted here are bank deposits, insurance "reserve" assets, and human assets; also it is not clear if all debt and equity investments are counted in the categories equities and bonds.
Mortgages in real estate
In recent years, many economists have recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich or poor, a significant fraction of the total wealth is in the form of land and buildings.
In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgage loans (or other instruments). These are loans for which the real property itself constitutes collateral. Banks are willing to make such loans at favorable rates in large part because, if the borrower does not make payments, the lender can foreclose by filing a court action which allows them take back the property and sell it to get their money back. For investors, profitability can be enhanced by using an off plan or pre-construction strategy to purchase at a lower price which is often the case in the pre-construction phase of development.
But in many developing countries there is no effective means by which a lender could foreclose, so the mortgage loan industry, as such, either does not exist at all or is only available to members of privileged social classes.
Source: Wikipedia
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