Buying an apartment
Mortgage and sale
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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.
Rental income tax in Poland 2026: 8,5% and 12,5% ryczałt rates, payment deadlines, PIT-28, utility charges, married couples and an example for a studio in Wrocław.
Selling an inherited or gifted flat: when to start counting 5 years, which costs you can deduct, the SD-Z2 form and housing relief. A table of situations and calculations.
Selling a flat within 5 years: 19% on income, how to count the deadline, what to deduct (invoices, indexation), PIT-39 and an example of a studio in Wrocław.
The housing relief in 2026: conditions, formula, the 3-year deadline, repaying a loan and PIT-39. An example: selling for 700 thousand zł and buying 3 rooms from a developer.
How much finishing a flat costs in Poland 2026: prices per m² in three standards, the cost of individual jobs, a 50 m² example, a budget table and 8% or 23% VAT.
Court fees when buying a flat in Poland 2026: entering ownership and a mortgage, opening a land and mortgage register, 4 costed scenarios and extract prices since 31 March 2026.
VAT on a flat from a developer in Poland 2026: 8% up to 150 m², 23% on the excess, parking spaces and storage rooms, and a worked example on a real 173,71 m² apartment.
PCC tax on buying property in Poland: when you pay 2%, when your first flat is exempt, who the 6% rate applies to and why there is no PCC when you buy from a developer.
How much a notary costs when buying a flat for 500,000 zł: 1,704 zł (secondary market) or about 2,555 zł (from a developer) incl. VAT. Fees 2026.
How much does a new flat cost in Wrocław? Prices of studios and 2-, 3- and 4-room flats by district, from developers' offers in the TM Invest catalogue as of 26 September 2026.
Will flat prices fall in 2026 and 2027? We compare NBP, GUS and BIK data: asking and transaction prices, interest rates, mortgage demand and the supply of flats.
A mortgage adviser: what they do, how a broker differs from an adviser, how to check them in the KNF register, what it costs and who pays for their work.
