Buying an apartment
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Investing in Polish Real Estate from Abroad: New-Build Flats in Warsaw and Wroclaw, Yield and Taxes (2026)
Aleja Platanowa 2, Metr Kwadrat, Piastova Osada and Juranda Residence: New Developments Compared (Wroclaw and Warsaw, 2026)
Estate Agent in Warsaw: Who Pays the Commission When Buying a New-Build Flat (2026)Practical guides to buying a flat, mortgages and paperwork — plain and to the point.
How foreigners invest in Polish real estate: no permit needed for a flat, prices in Warsaw and Wroclaw in zloty, euro and dollars, rental yield, taxes for non-residents and the steps to buy from abroad.
Aleja Platanowa 2 and Metr Kwadrat are in Wroclaw, Piastova Osada and Juranda Residence in Warsaw. Prices from, sizes, completion dates and who each suits, from the TM Invest catalogue.
Who pays the agency commission when buying a new-build flat in Warsaw, does the agent raise the price, what an agent does and how to choose one. Mostly no commission for the buyer: the developer usually pays.
Buying a flat in Poland "with cash" means buying without a mortgage, paid by bank transfer. What the notary and bank check, how to document your funds, transfers from abroad and gifts from parents.
The average rate on new residential loans in Poland is 6.07% (NBP, July 2026). What it consists of, what WIBOR and the margin are, fixed or variable, and what it means for the instalment.
Can a foreigner with a temporary residence card (karta czasowego pobytu) get a mortgage in Poland? What banks check, which documents to prepare and what the instalment looks like, with a Wroclaw example.
Rental management costs 8–12% of rent plus a tenant-finding fee; short-term lets cost 20–35%. Contract, tax and yield with a manager, worked through an example.
How to rent out a flat step by step: the lease, a deposit of up to 12× the rent, the handover protocol, 8.5% lump-sum tax, the building community and registration. A checklist and an example from Wrocław.
Commercial unit from a developer: 23% VAT, property tax of PLN 35.53/m², depreciation, a lease without tenant protection and yield compared with 2 studio flats.
Condo hotel as an investment: 23% VAT, no escrow account, taxes and a 5% "guaranteed return" calculated next to a studio flat for rent.
Rental income tax in Poland for non-residents: 8.5% and 12.5% flat rates, PIT-28, NIP-7, the competent tax office, double tax treaties and a studio example.
Transferring money from abroad to buy a flat in Poland: source-of-funds documents, AML checks, SEPA/SWIFT costs and exchange rate risk on a PLN 662k example.
