{"id":323,"date":"2025-12-27T20:27:23","date_gmt":"2025-12-27T17:27:23","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=323"},"modified":"2026-01-19T18:24:15","modified_gmt":"2026-01-19T15:24:15","slug":"kak-torgovatsya-s-hozyainom-kvartiry-v-polshe-i-kupit-nedvizhimost-vygodno","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-torgovatsya-s-hozyainom-kvartiry-v-polshe-i-kupit-nedvizhimost-vygodno\/","title":{"rendered":"How to negotiate with a Polish landlord and buy property profitably"},"content":{"rendered":"<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\">Buying real estate<\/a> \u2014 it&#039;s always a matter of negotiation. Even if the apartment is ideal in terms of price, location, and condition, <strong>the final outcome of a deal very often depends on bargaining<\/strong>.<br>Many foreigners who are planning <strong>Buy an apartment in Poland<\/strong>, underestimate this stage or skip it altogether - and end up overpaying.<\/p>\n\n\n\n<p>In this article I will tell you, <strong>How to negotiate with an apartment owner in Poland<\/strong>, what mistakes do buyers make, how does it affect <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\">mortgage in Poland<\/a><\/strong> for negotiations and why help <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"link\" data-id=\"https:\/\/rutkowskihome.pl\/kontakty\/\">professional realtor<\/a> often allows you to reduce the price further than it seems.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible to negotiate when buying an apartment in Poland?<\/h2>\n\n\n\n<p>The short answer is - <strong>Yes, it is possible and necessary.<\/strong>.<\/p>\n\n\n\n<p>Bargaining when buying an apartment in Poland is <strong>one of the most important elements of the deal<\/strong>.<br>Sometimes it&#039;s the outcome of negotiations that determines a buyer&#039;s final decision\u2014even if both the apartment and location are completely satisfactory.<\/p>\n\n\n\n<p>Luckily for buyers, <strong>The Polish mentality is conducive to bargaining<\/strong>. Poles are prone to bargaining and often do so with pleasure. The main thing is <strong>don&#039;t overdo it<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seller Emotions: What Buyers Forget<\/h2>\n\n\n\n<p>It is important to understand one key thing:<br>For many sellers, an apartment is more than just a piece of real estate.<\/p>\n\n\n\n<p>Very often people sell their apartments. <strong>once or twice in a lifetime<\/strong>, having lived their best years in it. Even if it&#039;s a grandparent&#039;s or parents&#039; apartment, most owners have <strong>strong emotional connection<\/strong> with the object.<\/p>\n\n\n\n<p>That&#039;s why <strong>an aggressive approach can completely ruin the bidding process<\/strong> and close the possibility of further negotiations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The first step to bargaining is even before viewing<\/h2>\n\n\n\n<p>My practical advice:<br>If you liked the apartment, <strong>already on the phone<\/strong> It&#039;s worth asking a calm, non-aggressive question:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u00ab&quot;Please tell me, is it possible to negotiate?&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>In most cases <strong>It&#039;s already clear from the seller&#039;s reaction<\/strong>, what can you count on.<br>There are, of course, exceptions when aggressive bargaining helps to get a better price, but this is more likely <strong>rare situations<\/strong>, not a rule.<\/p>\n\n\n\n<p>In this article we talk about <strong>standard and operational scenarios<\/strong>, which are actually used in the Polish real estate market.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"638\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/kvartira-v-polshe.jpg\" alt=\"How to bargain with a seller in Poland\" class=\"wp-image-327\" title=\"Rules for buying an apartment in Poland\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/kvartira-v-polshe.jpg 960w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/kvartira-v-polshe-300x199.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/kvartira-v-polshe-768x510.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/kvartira-v-polshe-18x12.jpg 18w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is important to find out when inspecting an apartment<\/h2>\n\n\n\n<p>The first thing you should do when inspecting an apartment is to find out:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 Reason for sale<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 The timeframe within which the seller plans to close the deal<\/h3>\n\n\n\n<p>If the reason for the sale is a situation that <strong>puts pressure on the seller<\/strong> (urgent relocation, purchase of another property, division of property) - for the buyer this is <strong>a very good sign<\/strong>.<\/p>\n\n\n\n<p>In such cases, when bargaining, it is worth emphasizing the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you are ready to quickly complete the transaction,<\/li>\n\n\n\n<li>quickly collect documents,<\/li>\n\n\n\n<li>Minimize the time to the notary.<\/li>\n<\/ul>\n\n\n\n<p>In Poland <strong>The speed of a transaction is often more important than the maximum price<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgages in Poland and Negotiating with the Seller<\/h2>\n\n\n\n<p>If the purchase takes place with<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"> use of credit<\/a>, the buyer is located <strong>in a weaker position<\/strong>.<\/p>\n\n\n\n<p>Sellers in Poland are often willing to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sell an apartment <strong>a little cheaper<\/strong>,<\/li>\n\n\n\n<li>but to the buyer <strong>no mortgage<\/strong>,<br>so that the transaction goes through faster and without banking procedures.<\/li>\n<\/ul>\n\n\n\n<p>This does not mean that negotiating a mortgage is impossible.<br>But a negotiation strategy needs to be developed <strong>especially carefully<\/strong>, emphasizing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bank readiness,<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">realtor experience,<\/a><\/li>\n\n\n\n<li>control of deadlines.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to bargain without hurting the seller&#039;s feelings<\/h2>\n\n\n\n<p>From my practice <strong>realtor in Poland<\/strong> I can say:<br>sellers most often <strong>they love their apartments very much<\/strong> and tend to exaggerate their merits.<\/p>\n\n\n\n<p>A typical situation is a renovation done 5\u201310 years ago.<br>Even if it is outdated today, for the seller it is still \u00abexpensive\u00bb and \u00abhigh quality\u00bb.<\/p>\n\n\n\n<p>Therefore, harsh phrases like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00ab&quot;bad repair&quot;\u00bb<\/li>\n\n\n\n<li>\u00ab&quot;everything old&quot;\u00bb<\/li>\n<\/ul>\n\n\n\n<p>may trigger the seller&#039;s emotions and complicate the bargaining.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to properly justify a price reduction<\/h2>\n\n\n\n<p>You need to bargain <strong>not with general phrases, but with specific facts<\/strong>.<\/p>\n\n\n\n<p>\u2714\ufe0f Point out only real flaws:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>old windows,<\/li>\n\n\n\n<li>worn out doors,<\/li>\n\n\n\n<li>technical defects,<\/li>\n\n\n\n<li>the need to replace communications.<\/li>\n<\/ul>\n\n\n\n<p>\u2714\ufe0f Support your arguments with numbers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>approximate cost of window replacement,<\/li>\n\n\n\n<li>estimated cost of repairs,<\/li>\n\n\n\n<li>actual costs after purchase.<\/li>\n<\/ul>\n\n\n\n<p>\u274c Don&#039;t devalue the apartment as a whole - this almost always works against you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Main Rule of Bargaining When Buying an Apartment in Poland<\/h2>\n\n\n\n<p>Always save <strong>calm<\/strong> and don&#039;t give in to emotions.<br>Even if you completely liked the apartment, <strong>don&#039;t show it<\/strong>.<\/p>\n\n\n\n<p>From my experience I can confidently say:<br><strong>Every price you see online is negotiable.<\/strong>,<br>even if the seller is initially skeptical.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Summary: How to buy an apartment in Poland at the best price<\/h2>\n\n\n\n<p>To sum it up:<\/p>\n\n\n\n<p>\u2714\ufe0f Bargaining is the norm in Poland<br>\u2714\ufe0f The seller&#039;s emotions are more important than pressure<br>\u2714\ufe0f The speed of the transaction is a strong argument<br>\u2714\ufe0f A mortgage requires the right strategy<br>\u2714\ufe0f A professional realtor almost always saves money<\/p>\n\n\n\n<p>If your goal is - <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying an apartment in Poland is profitable<\/a><\/strong>, <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">working with an experienced specialist<\/a> \u2014 this is not an expense, but an investment in results.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u2014 \u044d\u0442\u043e \u0432\u0441\u0435\u0433\u0434\u0430 \u043f\u0435\u0440\u0435\u0433\u043e\u0432\u043e\u0440\u044b. \u0414\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0430 \u0438\u0434\u0435\u0430\u043b\u044c\u043d\u043e \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u043f\u043e \u0446\u0435\u043d\u0435, \u043b\u043e\u043a\u0430\u0446\u0438\u0438 \u0438 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u044e, \u0444\u0438\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442 \u0441\u0434\u0435\u043b\u043a\u0438 \u043e\u0447\u0435\u043d\u044c<\/p>","protected":false},"author":1,"featured_media":324,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=323"}],"version-history":[{"count":3,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/323\/revisions"}],"predecessor-version":[{"id":329,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/323\/revisions\/329"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/324"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}