{"id":335,"date":"2025-12-31T13:59:40","date_gmt":"2025-12-31T10:59:40","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=335"},"modified":"2026-01-19T18:24:09","modified_gmt":"2026-01-19T15:24:09","slug":"skrytye-rashody-pri-pokupke-nedvizhimosti-v-polshe-skolko-nuzhno-deneg-na-samom-dele","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/skrytye-rashody-pri-pokupke-nedvizhimosti-v-polshe-skolko-nuzhno-deneg-na-samom-dele\/","title":{"rendered":"Hidden Costs of Buying Property in Poland: How Much Money Do You Really Need?"},"content":{"rendered":"<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying real estate in Poland<\/a> \u2014 it&#039;s not just the price listed in the ad. In practice, the buyer is faced with a number of <strong>additional expenses<\/strong>, which can significantly impact the final budget. Not knowing these costs often leads to unpleasant surprises at the final stage of the transaction.<\/p>\n\n\n\n<p>In this article we will examine in detail, <strong>What hidden costs are involved when buying an apartment or house in Poland?<\/strong>, how much money should you prepare in advance and what to pay special attention to.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is the price in the ad not the final one?<\/h2>\n\n\n\n<p>The price indicated in the offer reflects only the cost of the property itself. <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">The purchasing process<\/a> includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>taxes and government fees,<\/li>\n\n\n\n<li>notary services,<\/li>\n\n\n\n<li>agency commissions,<\/li>\n\n\n\n<li>additional payments <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">with a mortgage<\/a>,<\/li>\n\n\n\n<li>possible costs for repairs and additional equipment.<\/li>\n<\/ul>\n\n\n\n<p>Depending on the situation, the final amount may be <strong>2\u201315% higher<\/strong> price of the object.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">PCC 2% Tax \u2013 When it is paid and when it is not<\/h2>\n\n\n\n<p><strong>Podatek PCC (Podatek od Czynno\u015bci Cywilnoprawnych)<\/strong> \u2014 one of the main expenses when purchasing real estate on the secondary market.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When PCC is paid:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>when purchasing real estate <strong>on the secondary market<\/strong>;<\/li>\n\n\n\n<li>if the seller is a private individual;<\/li>\n\n\n\n<li>if the transaction is not subject to VAT.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">When PCC is NOT paid:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>if you buy <strong>my first property in my life<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>\u2757 Important:<br>If you have <strong>I already had real estate before<\/strong>, even <strong>outside of Poland<\/strong>, the exemption does not apply and PCC tax must be paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Amount and payment method:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2% from the cost<\/strong>, specified in the notarial deed;<\/li>\n\n\n\n<li>tax <strong>paid at the notary&#039;s office<\/strong> on the day of the transaction;<\/li>\n\n\n\n<li>more often - <strong>in cash<\/strong>, however, more and more notaries are accepting <strong>bank cards or transfers<\/strong> (it\u2019s better to check in advance).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Notary fees and transaction processing costs<\/h2>\n\n\n\n<p>Every real estate purchase in Poland must be formalized by a notary. It is the notary who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>prepares a notarial deed,<\/li>\n\n\n\n<li>accepts payment of taxes and fees,<\/li>\n\n\n\n<li>submits documents for <strong>wpis do ksi\u0119gi wieczystej<\/strong> (land registry).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What is included in notary fees:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>notarial tax,<\/li>\n\n\n\n<li>VAT 23%,<\/li>\n\n\n\n<li>court fees,<\/li>\n\n\n\n<li>wpis do ksi\u0119gi wieczystej,<\/li>\n\n\n\n<li>extracts from a notarial deed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What does the cost depend on:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>real estate price,<\/li>\n\n\n\n<li><strong>length of a notarial deed<\/strong>,<\/li>\n\n\n\n<li>complexity of the transaction,<\/li>\n\n\n\n<li>number of sides,<\/li>\n\n\n\n<li>the presence of a mortgage, powers of attorney and additional statements.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc The more voluminous and complex the act, the <strong>higher cost of notary services<\/strong>.<\/p>\n\n\n\n<p><strong>On average:<\/strong> from <strong>2,000 to 6,000 z\u0142<\/strong> and higher for complex transactions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe-1024x682.jpg\" alt=\"What are the fees when buying an apartment in Poland?\" class=\"wp-image-336\" title=\"How much should I pay a notary in Poland?\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe-1024x682.jpg 1024w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe-300x200.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe-768x512.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe-18x12.jpg 18w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/dopolnitelnye-polaty-pri-pokupke-kvartiry-v-polshe.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Real estate agency commission<\/h2>\n\n\n\n<p>Real estate agency commission in Poland is always specified in the contract and does not have a fixed rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Commission size:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>from 1% real estate value<\/strong>,<\/li>\n\n\n\n<li>more often <strong>2\u20133% + VAT<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Who pays:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>salesman,<\/li>\n\n\n\n<li>buyer,<\/li>\n\n\n\n<li>or both parties, depending on the terms of the agreement.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Before signing documents, it is important to clarify:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>exact percentage,<\/li>\n\n\n\n<li>does the amount include VAT,<\/li>\n\n\n\n<li>What services are included in the commission?.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Buying real estate<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"> with a mortgage<\/a> is associated with additional mandatory and conditionally mandatory expenses.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Real estate valuation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>price: <strong>400\u20131,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>if the application is being considered <strong>several banks<\/strong>, everyone can demand <strong>your assessment<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Life insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>often mandatory or affecting the terms of the loan;<\/li>\n\n\n\n<li>the cost depends on the age and the loan amount;<\/li>\n\n\n\n<li>usually <strong>several tens or hundreds of zlotys per month<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Apartment insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mandatory requirement of the bank;<\/li>\n\n\n\n<li><strong>200\u2013500 z\u0142 per year<\/strong>;<\/li>\n\n\n\n<li>the bank is indicated as the beneficiary.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Job loss insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>not always mandatory,<\/li>\n\n\n\n<li>increases monthly expenses,<\/li>\n\n\n\n<li>often included in a credit offer.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bank commission<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0\u20133% of the loan amount<\/strong>,<\/li>\n\n\n\n<li>can be paid immediately or included in the loan.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe-1024x682.jpg\" alt=\"Additional payments for a mortgage in Poland\" class=\"wp-image-337\" title=\"mortgage payments in Poland\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe-1024x682.jpg 1024w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe-300x200.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe-768x512.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe-18x12.jpg 18w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2025\/12\/rashody-na-ipoteku-v-polshe.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Repair and additional equipment after purchase<\/h2>\n\n\n\n<p>Even the apartment has a mark <em>\u201e&quot;po remoncie&quot;\u201d<\/em> often requires additional investments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>furniture,<\/li>\n\n\n\n<li>technique,<\/li>\n\n\n\n<li>cosmetic improvements,<\/li>\n\n\n\n<li>minor repairs.<\/li>\n<\/ul>\n\n\n\n<p>In practice, costs can amount to <strong>from several thousand to tens of thousands of zlotys<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much money do you need to prepare in addition to the property price?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">On average, a buyer should include:<\/h3>\n\n\n\n<p>\ud83d\udd39 <strong>First property (no agency commission)<\/strong><br>\u2192 about <strong>2% cost<\/strong><\/p>\n\n\n\n<p>\ud83d\udd39 <strong>Standard transaction on the secondary market<\/strong><br>\u2192 <strong>3\u20135% cost<\/strong><\/p>\n\n\n\n<p>\ud83d\udd39 <strong>Deal with agency commission and mortgage<\/strong><br>\u2192 <strong>5\u20137% cost<\/strong><\/p>\n\n\n\n<p>\ud83d\udd39 <strong>Purchase with repairs or additional equipment<\/strong><br>\u2192 even <strong>up to 15% of the property value<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusions<\/h2>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buying real estate in Poland <\/a>\u2014 it&#039;s always more than the advertised price. Taxes, notary fees, commissions, <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage costs<\/a> and repairs can significantly increase the final cost.<\/p>\n\n\n\n<p>Proper budget planning and understanding of all stages of the transaction allow you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>avoid financial surprises,<\/li>\n\n\n\n<li>maintain control over expenses,<\/li>\n\n\n\n<li>make your purchase safe and informed.<\/li>\n<\/ul>\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 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u2014 \u044d\u0442\u043e \u043d\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0446\u0435\u043d\u0430, \u0443\u043a\u0430\u0437\u0430\u043d\u043d\u0430\u044f \u0432 \u043e\u0431\u044a\u044f\u0432\u043b\u0435\u043d\u0438\u0438. \u041d\u0430 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044c \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0441 \u0440\u044f\u0434\u043e\u043c \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432,<\/p>","protected":false},"author":1,"featured_media":337,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-335","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\/335","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=335"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/335\/revisions"}],"predecessor-version":[{"id":338,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/335\/revisions\/338"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/337"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=335"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=335"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=335"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}