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Mortgage for a self-employed foreigner in Poland (JDG and B2B) – track record, ryczałt, income (2026)Concept Ćwiklińska (Victoria Dom), Białołęka, Warsaw: 56 available apartments (of 130 in the development), prices from 504 180 zł, average price per m²: 14 735 zł, completion: Q4 2027.
| Rooms | Size, m²m² | Price from | Price per m² from | Available |
|---|---|---|---|---|
| 1 room | 31,6 | 504 180 zł | 15 950 zł | 1 |
| 2 rooms | 37,1–46,6 | 561 914 zł | 14 850 zł | 31 |
| 3 rooms | 55–64,1 | 808 563 zł | 13 882 zł | 16 |
| 4+ rooms | 77,7–83,5 | 1 154 410 zł | 13 970 zł | 4 |
| Other | 36,9–81,6 | 565 350 zł | 14 088 zł | 4 |
Available units only, developer prices.
Instalment for an apartment from 504 180 zł with a 20% down payment, 30 years
from 2 460 zł / month
See how much home you could afford →
An estimate, not a bank offer: equal instalments, 6.15% interest. Mortgage help — free of charge.
| Unit no. | Status | PDF sheet | |||||
|---|---|---|---|---|---|---|---|
| 1 Available | Available | 2 | 39,93 m² | 1 | 606 936 zł | 15 200 zł | |
| 4 Available | Available | 2 | 41,34 m² | 1 | 613 899 zł | 14 850 zł | |
| 5 Available | Available | 2 | 38,82 m² | 1 | 586 182 zł | 15 100 zł | |
| 6 Available | Available | 3 | 58,24 m² | 1 | 808 563 zł | 13 882 zł | |
| 11 Available | Available | — | 81,64 m² | ground floor | 1 150 133 zł | 14 088 zł | |
| 14 Available | Available | 2 | 39,95 m² | 2 | 607 240 zł | 15 200 zł | |
| 16 Available | Available | 4 | 83,54 m² | 2 | 1 167 001 zł | 13 970 zł | |
| 17 Available | Available | 3 | 64,05 m² | 2 | 896 967 zł | 14 005 zł | |
| 18 Available | Available | 2 | 39,67 m² | 2 | 606 951 zł | 15 300 zł | |
| 20 Available | Available | — | 81,64 m² | ground floor | 1 158 319 zł | 14 188 zł | |
| 22 Available | Available | 2 | 41,34 m² | 3 | 622 167 zł | 15 050 zł | |
| 25 Available | Available | 4 | 83,54 m² | 3 | 1 175 427 zł | 14 070 zł | |
| 32 Available | Available | 2 | 39,95 m² | 4 | 615 230 zł | 15 400 zł | |
| 35 Available | Available | 3 | 64,00 m² | 4 | 903 420 zł | 14 115 zł | |
| 36 Available | Available | 2 | 39,67 m² | 4 | 614 885 zł | 15 500 zł | |
| 42 Available | Available | 3 | 61,66 m² | 5 | 886 686 zł | 14 380 zł | |
| 47 Available | Available | 4 | 77,70 m² | 6 | 1 162 310 zł | 14 959 zł | |
| 50 Available | Available | 2 | 39,95 m² | 6 | 623 220 zł | 15 600 zł | |
| 53 Available | Available | 3 | 64,01 m² | 6 | 922 779 zł | 14 415 zł | |
| 54 Available | Available | 2 | 39,67 m² | 6 | 622 819 zł | 15 700 zł | |
| 55 Available | Available | 2 | 39,83 m² | 7 | 629 788 zł | 15 812 zł | |
| 57 Available | Available | 3 | 55,10 m² | 7 | 812 725 zł | 14 750 zł | |
| 58 Available | Available | 2 | 41,34 m² | 7 | 638 703 zł | 15 450 zł | |
| 60 Available | Available | 3 | 61,63 m² | 7 | 899 044 zł | 14 588 zł | |
| 63 Available | Available | 2 | 39,56 m² | 7 | 625 048 zł | 15 800 zł | |
| 66 Available | Available | 3 | 60,70 m² | ground floor | 852 638 zł | 14 046 zł | |
| 67 Available | Available | — | 36,92 m² | ground floor | 565 350 zł | 15 312 zł | |
| 71 Available | Available | 3 | 55,03 m² | ground floor | 812 784 zł | 14 770 zł | |
| 73 Available | Available | 2 | 37,48 m² | 1 | 565 948 zł | 15 100 zł | |
| 74 Available | Available | 2 | 38,87 m² | 1 | 586 937 zł | 15 100 zł | |
| 79 Available | Available | 3 | 63,06 m² | 1 | 876 534 zł | 13 900 zł | |
| 83 Available | Available | 2 | 38,87 m² | 2 | 590 824 zł | 15 200 zł | |
| 84 Available | Available | 3 | 62,05 m² | 2 | 865 598 zł | 13 950 zł | |
| 85 Available | Available | 2 | 37,76 m² | 2 | 573 952 zł | 15 200 zł | |
| 87 Available | Available | 2 | 37,09 m² | 2 | 561 914 zł | 15 150 zł | |
| 89 Available | Available | 3 | 56,72 m² | 2 | 825 276 zł | 14 550 zł | |
| 90 Available | Available | 3 | 58,42 m² | 2 | 814 820 zł | 13 948 zł | |
| 94 Available | Available | 2 | 37,76 m² | 3 | 577 728 zł | 15 300 zł | |
| 95 Available | Available | 2 | 38,75 m² | 3 | 592 875 zł | 15 300 zł | |
| 97 Available | Available | 3 | 63,06 m² | 3 | 889 146 zł | 14 100 zł | |
| 100 Available | Available | 2 | 38,57 m² | ground floor | 592 170 zł | 15 354 zł | |
| 101 Available | Available | 3 | 57,93 m² | ground floor | 843 278 zł | 14 558 zł | |
| 104 Available | Available | 2 | 38,35 m² | ground floor | 587 850 zł | 15 328 zł | |
| 105 Available | Available | 2 | 37,17 m² | ground floor | 569 100 zł | 15 309 zł | |
| 106 Available | Available | 3 | 57,63 m² | ground floor | 814 688 zł | 14 136 zł | |
| 107 Available | Available | 2 | 39,76 m² | 1 | 600 376 zł | 15 100 zł | |
| 110 Available | Available | 2 | 40,80 m² | 1 | 616 080 zł | 15 100 zł | |
| 114 Available | Available | 1 | 31,61 m² | 1 | 504 180 zł | 15 950 zł | |
| 117 Available | Available | 4 | 79,89 m² | 2 | 1 154 410 zł | 14 450 zł | |
| 118 Available | Available | 2 | 40,80 m² | 2 | 620 160 zł | 15 200 zł | |
| 119 Available | Available | 2 | 39,33 m² | 2 | 597 816 zł | 15 200 zł | |
| 120 Available | Available | 2 | 38,03 m² | 2 | 578 056 zł | 15 200 zł | |
| 123 Available | Available | 2 | 39,76 m² | 3 | 608 328 zł | 15 300 zł | |
| 124 Available | Available | — | 60,52 m² | ground floor | 862 410 zł | 14 250 zł | |
| 126 Available | Available | 2 | 40,80 m² | 3 | 624 240 zł | 15 300 zł | |
| 129 Available | Available | 2 | 46,56 m² | 3 | 691 416 zł | 14 850 zł |
Monthly payment — estimate: 20% down payment, 30 years, interest rate 6,15%.
No apartments match these filters.
| Amenities: | modern architecture, plenty of greenery, attractive location, close to public transport, easy access to city amenities, easy access to recreational areas outside the city, peaceful neighbourhood |
|---|---|
| Private outdoor space and extras: | terrace, private garden, balcony |
| Security: | intercom, anti-burglary doors, CCTV, fenced estate |
| Project size: | 130 apartments |
| Parking: | An underground garage with parking spaces will be built within the development |
| Transport: | There are bus and tram stops near the development |
| Distance from the centre: | 17 km |
Step 1: Choosing
We compare developments from our catalogue against your budget, location and key handover date. We help you check the developer and the information prospectus (prospekt informacyjny).
How to check a developerStep 2: Reservation
We talk to the developer about the price and terms of purchase. Before you sign, we review the reservation agreement (umowa rezerwacyjna).
Reservation agreement with a developerStep 3: Developer agreement
Before the notary appointment, we go through the developer agreement (umowa deweloperska) and the payment schedule. If you buy with a mortgage, our expert compares bank offers.
Developer agreement – what to watch out forStep 4: Handover
Once construction is finished, you inspect the apartment and report any defects (odbiór), then sign the transfer of ownership agreement (umowa przeniesienia własności).
Handover inspection with the developerUsually no commission — the developer pays. The whole process step by step
ul. E. Barszczewskiej, Białołęka, Warsaw
Warsaw city centre — 16 km · approx. 40 min by car
Straight-line distance; walking time is approximate. Data: © OpenStreetMap.
Prices from 504 180 zł; 56 available apartments for sale. Average price per m²: 14 735 zł.
Available units: 1 room — 31,6 m², from 504 180 zł; 2 rooms — 37,1–46,6 m², from 561 914 zł; 3 rooms — 55–64,1 m², from 808 563 zł; 4+ rooms — 77,7–83,5 m², from 1 154 410 zł; Other — 36,9–81,6 m², from 565 350 zł.
Planned completion: Q4 2027. Units are sold in the developer standard (stan deweloperski), ready for your own finishing.
The developer of Concept Ćwiklińska is Victoria Dom.
Address of Concept Ćwiklińska: ul. E. Barszczewskiej, Białołęka, Warsaw.
For buyers of new-build apartments — usually no commission: the developer pays our fee. For additional services (e.g. resale properties), we agree the fee with the client in advance. The consultation and apartment search are free: we will send the current price list of Concept Ćwiklińska and compare it with other developments.

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