Buying an apartment in Poland is not just about the price in the advert.
Very often, buyers only consider the cost of the property and are then surprised by the additional costs.<\/p>\n\n\n\n
In this article we will analyze honestly and without water: Let's divide everything into 2 situations:<\/p>\n\n\n\n This will help you prepare your budget in advance and avoid unpleasant surprises.<\/p>\n\n\n\n If you buy an apartment in cash, the process is the simplest. Let's go through it point by point.<\/p>\n\n\n\n This is the main additional cost when purchasing.<\/p>\n\n\n\n PCC tax (podatek od czynno\u015bci cywilnoprawnych)<\/strong> \u2014 2% from the cost of the apartment.<\/p>\n\n\n\n But it is NOT always paid.<\/p>\n\n\n\n You pay PCC if:<\/p>\n\n\n\n You do NOT pay PCC if:<\/p>\n\n\n\n \ud83d\udccc Example: Purchase is impossible without a notary.<\/p>\n\n\n\n The cost depends on:<\/p>\n\n\n\n On average: Before choosing a notary, send the transaction details to 2-3 notaries and ask for a cost estimate.<\/p>\n\n\n\n Nobody forbids you to choose. Choose:<\/p>\n\n\n\n If you have used the services real estate agent<\/a>.<\/p>\n\n\n\n In Poland the commission is usually: But it is important to understand:<\/p>\n\n\n\n Sometimes an agent for 1% works better than one for 3%.<\/p>\n\n\n\n After the transaction, the usual expenses begin:<\/p>\n\n\n\n But these are no longer expenses for purchase, but for living.<\/p>\n\n\n\n Purchase on credit<\/a> requires more money at the start.<\/p>\n\n\n\n Let's look at the actual costs.<\/p>\n\n\n\n Minimum: But better: Why?<\/p>\n\n\n\n At 20%:<\/p>\n\n\n\n With 10% the choice of banks is very limited.<\/p>\n\n\n\n It is possible to purchase without making a down payment - But:<\/p>\n\n\n\n I wrote about the program in detail in other blog articles.<\/p>\n\n\n\n The bank always makes an appraisal of the apartment.<\/p>\n\n\n\n Price: Depends on:<\/p>\n\n\n\n Payment is usually made before the loan is issued.<\/p>\n\n\n\n A mandatory requirement for a mortgage.<\/p>\n\n\n\n Price: Depends on:<\/p>\n\n\n\n Paid once a year.<\/p>\n\n\n\n Often a mandatory requirement of the bank.<\/p>\n\n\n\n On average: It is written off automatically along with the loan payment.<\/p>\n\n\n\n It's less common now, but it does happen.<\/p>\n\n\n\n Size: Depends on the bank and the promotion.<\/p>\n\n\n\n That's why it's important to work with a credit expert<\/a> \u2014 At purchase on credit<\/a> The notary has additional records:<\/p>\n\n\n\n These are small amounts, but they exist.<\/p>\n\n\n\n Usually: It is important to distinguish: If you are buying an apartment without a loan, in addition to the price of the property, you will need to pledge:<\/p>\n\n\n\n approximately 1% \u2013 5% on top of the apartment price<\/strong><\/p>\n\n\n\n This amount includes:<\/p>\n\n\n\n \ud83d\udccc Example If it\u2019s your first apartment or a new building, the costs will be closer to the lower limit.<\/p>\n\n\n\n There are two blocks of money here.<\/p>\n\n\n\n This is not an expense - this is your money for the apartment.<\/p>\n\n\n\n \ud83d\udccc Apartment 500,000 z\u0142 The larger the deposit, the better the loan terms.<\/p>\n\n\n\n In addition to the contribution, you need to have approximately:<\/p>\n\n\n\n 1% \u2013 6% of the apartment price<\/strong><\/p>\n\n\n\n This amount may include:<\/p>\n\n\n\n \ud83d\udccc Example Expenses: The most common mistake buyers make is to consider only the price of the apartment.<\/p>\n\n\n\n The right approach: This saves:<\/p>\n\n\n\n If you are planning buying an apartment in Poland<\/a> I will help:<\/p>\n\n\n\n
How much money do you really need to Buy an apartment in Poland<\/a> in 2026<\/strong>.<\/p>\n\n\n\n\n
\ud83c\udfe0 Buying an apartment for cash in Poland<\/h1>\n\n\n\n
What expenses are there besides the price of the apartment?<\/h2>\n\n\n\n
But in addition to the cost of the property, you need to prepare additional money.<\/p>\n\n\n\n1. Tax PCC 2% - not always!<\/h2>\n\n\n\n
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The apartment costs 500,000 z\u0142
PCC = 10,000 z\u0142<\/p>\n\n\n\n2. Notary is a mandatory expense<\/h2>\n\n\n\n
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2,000 \u2013 4,000 z\u0142<\/strong><\/p>\n\n\n\nAdvice from a realtor's practice<\/h3>\n\n\n\n
Prices may differ by as much as 1000 z\u0142.<\/p>\n\n\n\n\n
3. Real estate services in Poland<\/h2>\n\n\n\n
1% \u2013 3% of the apartment price<\/strong><\/p>\n\n\n\n\n
4. After purchase: maintenance costs<\/h2>\n\n\n\n
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\ud83d\udcb3 Buying an apartment with a mortgage in Poland<\/h1>\n\n\n\n
How much money is needed in 2026?<\/h2>\n\n\n\n
1. Initial payment (wk\u0142ad w\u0142asny)<\/h2>\n\n\n\n
10% of the apartment price<\/strong><\/p>\n\n\n\n
20%<\/strong><\/p>\n\n\n\n\n
2. RKM Program (contribution guarantee)<\/h2>\n\n\n\n
through the Deposit Guarantee Program (RKM).<\/p>\n\n\n\n\n
3. Bank valuation of real estate<\/h2>\n\n\n\n
400 \u2013 800 z\u0142<\/strong><\/p>\n\n\n\n\n
4. Property insurance<\/h2>\n\n\n\n
from 300 z\u0142 per year and up<\/strong><\/p>\n\n\n\n\n
5. Life and unemployment insurance<\/h2>\n\n\n\n
100\u2013200 z\u0142 per month<\/strong><\/p>\n\n\n\n6. Bank commission (prowizja)<\/h2>\n\n\n\n
5,000 \u2013 10,000 z\u0142<\/strong>
sometimes more<\/p>\n\n\n\n
He compares all banks and finds the best offer.<\/p>\n\n\n\n7. Notary fees for mortgages<\/h2>\n\n\n\n
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+200\u2013600 PLN to the notary<\/strong><\/p>\n\n\n\n\ud83d\udcca Bottom line: how much money do you need for an apartment in Poland?<\/h1>\n\n\n\n
down payment<\/strong> \u0438 actual transaction costs<\/strong> - these are different types of money.<\/p>\n\n\n\n
\n\n\n\n\ud83c\udfe0 Cash purchase<\/h2>\n\n\n\n
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Apartment 500,000 z\u0142
Additionally, you must have:
5,000 \u2013 25,000 z\u0142<\/strong><\/p>\n\n\n\n\ud83d\udcb3 Buying an apartment with a mortgage<\/h2>\n\n\n\n
\n\n\n\n1\ufe0f\u20e3 Down payment (wk\u0142ad w\u0142asny)<\/h3>\n\n\n\n
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Contribution:<\/p>\n\n\n\n\n
2\ufe0f\u20e3 Actual costs of purchase and loan<\/h3>\n\n\n\n
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Apartment 500,000 z\u0142<\/p>\n\n\n\n
5,000 \u2013 30,000 z\u0142<\/strong><\/p>\n\n\n\n\n
\ud83d\udca1 Advice from a realtor in Poland<\/h1>\n\n\n\n
First calculate the full budget, then go look at housing.<\/strong><\/p>\n\n\n\n\n
\ud83d\udcde Need help buying an apartment in Poland?<\/h1>\n\n\n\n
(for cash or in credit<\/a>) - write to me.<\/p>\n\n\n\n