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)
Housing programmes 2026 as at September: the 2% Safe Loan is closed, "#naStart" and "First Keys" withdrawn, the family housing loan with a BGK guarantee runs until 2030.
Mortgage down payment in Poland in 2026: 10% or 20% under Recommendation S, how much that is in PLN, PPK funds, family gifts and the BGK-guaranteed loan.
How large a mortgage on 5, 7 or 10 thousand zł net? 2026 borrowing capacity tables under the rules of KNF Recommendation S, and how to increase your capacity.
Mortgage in Poland step by step: borrowing capacity, down payment, comparing banks, application, decision, agreement and tranche payouts for a new build. 2026 rules.
How to check a developer before buying a flat in Poland: the KRS register and financial statements, the information prospectus, the land and mortgage register, the building permit, the escrow account and the DFG.
Costs of buying an apartment in Poland from a developer in 2026: notary fee, land register court fees, VAT in the price and no PCC. Worked example for PLN 700,000 and PLN 1m.
Handover of a flat from a developer: what to check, how to write the report, how long the developer has to fix defects (14 and 30 days) and when you can refuse handover. A checklist.
Open and closed escrow accounts and the Developer Guarantee Fund (DFG): how they protect your payments when buying from a developer and when the DFG refunds your money.
Reservation agreement with a developer: a fee of at most 1% of the price, when it comes back (even doubled), what it must contain and what to watch for before signing. Status for 2026.
The Polish developer agreement (umowa deweloperska) in 2026: what it must contain by law, when you can withdraw, what to check in the draft and what it costs at the notary.
Stan deweloperski: what it includes, what it leaves out and how it differs from a turnkey flat. How to read the finish standard in a developer agreement.
Primary or secondary market in Poland? We compare differences in costs, taxes, legal protection, timing and risk to make it easier to choose a flat for yourself in 2026.
