
Selling a flat step by step 2026 – documents, taxes, contracts
Selling a flat step by step: 10 stages, documents, the energy certificate, who pays the notary, tax and PIT-39 and NBP prices.
Buying an apartment
Mortgage and sale
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Selling a flat step by step: 10 stages, documents, the energy certificate, who pays the notary, tax and PIT-39 and NBP prices.

8% VAT on flat finishing: when it covers materials, made-to-measure furniture and appliances, the 150 m² limit and an example – PLN 3 750 difference on a PLN 60 thousand quote.

Layout changes (zmiany lokatorskie): what can be altered, the procedure, fees from developers' price lists, deadlines, effect on price, size, mortgage and warranty.

Bathroom finishing cost 2026: an item-by-item budget for 4 and 6 m² in 3 standards, walk-in shower or bath, waterproofing and the mistakes that cost dearly.

A flat finishing cost estimate step by step: quantities, materials and labour, forgotten items, reserve. A template for a 40.8 m² flat.

How to choose a renovation crew: CEIDG and VAT white list checks, lump sum or cost estimate, advance payment, contractual penalties, handovers and statutory warranty.

How to furnish a 25–35 m² studio: choosing the layout when buying, zones, multifunctional furniture, storage and the budget for furnishing 30 m² in 3 variants.

What happens after the handover of a flat in developer standard: a checklist with deadlines — the defects report, the deed, IN-1, the owners' association, meters and finishing.

Finishing package from a developer: 2026 prices per m², pros and cons, who the contract is with, mortgage, 8% VAT and a checklist of questions before you sign.

Turnkey finishing 2026: prices per m² in Warsaw and Wrocław, what a package includes, a comparison with DIY finishing and a developer package, a budget for a studio.

Finishing a developer-standard flat step by step: the order of work, a schedule with order lead times, how long it takes, formalities and the budget.

Property tax on a flat in 2026: 1.25 zł/m² in Warsaw and Wrocław, a garage, land, the IN-1 form and instalments. An example for 2-room flats from our offer.