{"id":524,"date":"2026-05-17T12:17:58","date_gmt":"2026-05-17T09:17:58","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=524"},"modified":"2026-05-17T12:17:59","modified_gmt":"2026-05-17T09:17:59","slug":"skolko-realno-nuzhno-deneg-na-pokupku-kvartiry-v-polshe-v-2026-godu","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/skolko-realno-nuzhno-deneg-na-pokupku-kvartiry-v-polshe-v-2026-godu\/","title":{"rendered":"How much money do you really need to buy an apartment in Poland in 2026?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Many people planning<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\"> buying real estate in Poland<\/a>, they think only about <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">down payment<\/a> and monthly <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage payment<\/a>. But in practice, the costs are much higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers often find themselves in a situation where the bank has already approved the mortgage, the apartment has been chosen, but there simply isn&#039;t enough money for additional expenses. That&#039;s why it&#039;s important to understand the full cost picture before purchasing a home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, we&#039;ll take a detailed look at how much money is actually needed to buy an apartment in Poland in 2026, what hidden costs exist, and what you should definitely leave a financial cushion for.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The biggest mistake buyers make<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most common mistakes is to think that if the bank gives <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a>, then you can buy an apartment with almost no money of your own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, in addition to the initial payment, the following arise:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>notary fees,<\/li>\n\n\n\n<li>taxes,<\/li>\n\n\n\n<li>bank commission,<\/li>\n\n\n\n<li>insurance,<\/li>\n\n\n\n<li>repair,<\/li>\n\n\n\n<li>furniture,<\/li>\n\n\n\n<li>technique,<\/li>\n\n\n\n<li>reserve for unforeseen expenses.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It is the additional expenses that often become the biggest surprise after purchasing an apartment.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Down payment (wk\u0142ad w\u0142asny)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, most banks in Poland will still require a down payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most often it is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% real estate value,<\/li>\n\n\n\n<li>or 20% for better credit terms.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the apartment costs 600,000 z\u0142:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% = 60,000 z\u0142,<\/li>\n\n\n\n<li>20% = 120,000 z\u0142.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Some banks allow you to buy an apartment with a minimum down payment. <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">state programs<\/a> or with additional insurance, but the conditions depend on the specific situation.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Notary is a mandatory expense<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">When purchasing real estate in Poland, the transaction takes place through a notary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The buyer pays:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>notarial deed,<\/li>\n\n\n\n<li>extracts,<\/li>\n\n\n\n<li>entry in ksi\u0119ga wieczysta,<\/li>\n\n\n\n<li>court fees.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The amount depends on the value of the property, but usually you need to prepare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>from 2,000 to 6,000 z\u0142.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The more expensive the apartment, the higher the costs.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">PCC tax when purchasing a used car<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you buy an apartment on the secondary market (rynek wt\u00f3rny), you usually pay PCC tax \u2013 2% on the value of the property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The apartment costs 500,000 z\u0142:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PCC = 10,000 z\u0142.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is a very important point that many people forget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When purchasing a new build from a developer, you typically don&#039;t pay PCC because the tax is already included in the price through VAT. You&#039;re also exempt from PCC when purchasing your first property.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Real estate agency commission<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If an apartment is purchased through a real estate agency, there may be a commission.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically it is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1%\u20133% real estate value,<\/li>\n\n\n\n<li>or a fixed amount.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For an apartment worth PLN 700,000, the commission could even be PLN 14,000\u201321,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not all apartments are sold with a buyer&#039;s commission, but this should be clarified in advance.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mortgage insurance<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Almost every bank requires insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most often it is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>property insurance,<\/li>\n\n\n\n<li>life insurance,<\/li>\n\n\n\n<li>sometimes insurance temporarily low wk\u0142ad w\u0142asny.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This may cost:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>from several hundred to several thousand z\u0142 per year.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the bank adds insurance to the monthly payment.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Repair costs are something that almost everyone underestimates.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Even if an apartment looks &quot;ready to live in,&quot; there are almost always additional costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>painting the walls,<\/li>\n\n\n\n<li>floors,<\/li>\n\n\n\n<li>kitchen,<\/li>\n\n\n\n<li>technique,<\/li>\n\n\n\n<li>lighting,<\/li>\n\n\n\n<li>furniture,<\/li>\n\n\n\n<li>plumbing,<\/li>\n\n\n\n<li>doors.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, the cost of repairs in Poland remains high.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The average basic apartment renovation may cost:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>from 1,500 to 3,500 z\u0142 per m\u00b2,<\/li>\n\n\n\n<li>and a good repair is even more expensive.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Many people realize after purchasing an apartment that a turnkey apartment listed online and the actual completion of the home are two different things.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Furniture and appliances are a huge hidden expense.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">After purchasing an apartment, a stage begins that very quickly \u00abeats up\u00bb the budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even the basic kit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>fridge,<\/li>\n\n\n\n<li>washing machine,<\/li>\n\n\n\n<li>sofa,<\/li>\n\n\n\n<li>bed,<\/li>\n\n\n\n<li>closet,<\/li>\n\n\n\n<li>table,<\/li>\n\n\n\n<li>kitchen,<\/li>\n\n\n\n<li>lighting,<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">can easily cost tens of thousands of z\u0142.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Especially if the apartment is being purchased from scratch.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Monthly expenses after purchase<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to consider more than just the mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After purchase the following appears:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/czynsz-v-polshe-chto-eto-iz-chego-sostoit-i-pochemu-on-takoj-raznyj\/\" data-type=\"post\" data-id=\"388\">czynsz<\/a>,<\/li>\n\n\n\n<li>electricity,<\/li>\n\n\n\n<li>Internet,<\/li>\n\n\n\n<li>heating,<\/li>\n\n\n\n<li>parking,<\/li>\n\n\n\n<li>home repair fund,<\/li>\n\n\n\n<li>insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes people get mortgage approval just in time, only to realize the overall burden is too high.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Should you leave a financial cushion?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Definitely yes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is very dangerous to invest absolutely all your money into buying an apartment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After the transaction the following may appear:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>unexpected expenses,<\/li>\n\n\n\n<li>problems with repairs,<\/li>\n\n\n\n<li>job loss,<\/li>\n\n\n\n<li>rising rates,<\/li>\n\n\n\n<li>household breakdowns.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s ideal to have at least a few months&#039; worth of savings to cover your living expenses and mortgage payments.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much money do you really need?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">It all depends on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cities,<\/li>\n\n\n\n<li>cost of the apartment,<\/li>\n\n\n\n<li>type of market,<\/li>\n\n\n\n<li>repairs,<\/li>\n\n\n\n<li>the amount of the down payment.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">But realistically, in addition to wk\u0142ad w\u0142asny, many buyers also spend:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>from 20,000 to 80,000 z\u0142 and more.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">And when renovating and furnishing, the cost can be significantly higher.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why is it important to calculate all expenses in advance?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Because <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a> \u2014 it\u2019s not just about \u00abgetting bank approval.\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Very often people focus only on <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">purchasing the apartment itself <\/a>and forget about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>life after purchase,<\/li>\n\n\n\n<li>repair,<\/li>\n\n\n\n<li>additional payments,<\/li>\n\n\n\n<li>money reserve.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because of this, financial stress arises already in the first months after the transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s much safer to understand your entire budget in advance and buy property that&#039;s comfortable for you, rather than &quot;at the limit of your means.&quot;.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What is especially important in 2026?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rutkowskihome.pl\/en\/o-nedvizhimosti\/%f0%9f%93%8a-rynok-nedvizhimosti-v-polshe-v-2025-godu-kvartalnaya-dinamika-czeny-spros-i-prognozy\/\" data-type=\"post\" data-id=\"399\">The real estate market in Poland<\/a> continues to change:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>apartment prices remain high,<\/li>\n\n\n\n<li>the cost of repairs has increased,<\/li>\n\n\n\n<li>banks check carefully <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kreditosposobnost-v-polshe-v-1-kvartale-2026-goda-skolko-realno-dayut-banki\/\" data-type=\"post\" data-id=\"497\">creditworthiness<\/a>,<\/li>\n\n\n\n<li>monthly expenses have become higher.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Proper preparation for buying an apartment<\/a> is especially important now.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Results<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Buying an apartment in Poland involves much more than just a down payment and a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before purchasing, it is important to consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>all additional costs,<\/li>\n\n\n\n<li>future payments,<\/li>\n\n\n\n<li>repair,<\/li>\n\n\n\n<li>furniture,<\/li>\n\n\n\n<li>taxes,<\/li>\n\n\n\n<li>reserve money for living.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The better prepared the buyer is, the smoother the entire real estate purchase process will be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need help with <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage in Poland<\/a>, creditworthiness calculation, bank selection or <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">real estate search <\/a>\u2014 <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">You can contact us<\/a>. I help you through the entire process of buying an apartment in Poland: from analyzing your options to receiving the keys to your home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More information on the website: <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/rutkowskihome.pl\/en\/?utm_source=chatgpt.com\">Rutkowski Home<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041c\u043d\u043e\u0433\u0438\u0435 \u043b\u044e\u0434\u0438, \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u044e\u0449\u0438\u0435 \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435, \u0434\u0443\u043c\u0430\u044e\u0442 \u0442\u043e\u043b\u044c\u043a\u043e \u043e \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0437\u043d\u043e\u0441\u0435 \u0438 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u0435 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435. \u041d\u043e \u043d\u0430 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435<\/p>","protected":false},"author":1,"featured_media":525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-o-nedvizhimosti"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/524","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=524"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/524\/revisions"}],"predecessor-version":[{"id":526,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/524\/revisions\/526"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/525"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}