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+48 573 568 888Ask about an apartment

Early-stage apartments for resale — Warsaw

For investors considering buying during construction and selling later, we selected from the TM Invest catalogue in Warsaw 851 available apartments in 25 developments by 11 developers. The average floor area is 58,1 m², the average price per m² is 15 539 zł, prices range from 410 234 zł to 2 950 000 zł.

Completion in 2027: 776; in 2028: 75. On average, the price per m² is 12% below the district median (the largest gap is 34%). Districts with the most listings: Mokotów (274), Białołęka (179) and Ursynów (127).

The list is sorted by the gap to the median, largest first. New-build apartments in Poland are sold in developer standard (stan deweloperski — ready for finishing). Consultation and apartment selection at TM Invest are free, and in most cases you pay no commission — the developer usually pays our fee.

Found 776 apartments in 21 developments

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How we selected the apartments

  • available apartments with a listed price — no reservations and no houses, only developments with photos;
  • building completion according to the developer — 2027 or 2028 (no completed buildings);
  • price per m² at least 5% below the median of available apartments in the same district in our catalogue; if the district has fewer than 20 listings — below the city median; gaps above 40% are skipped as a possible data error;
  • order — largest gap to the median first, then lowest price per m² (you can change it above the list). On apartment cards a gap of 10% or more is shown as “cheaper than the district median”.

This selection is generated automatically from catalogue data and is not investment advice. Prices at an early construction stage are often lower than after completion, but price growth is not guaranteed. Risks include completion delays and market changes; selling before handover (cesja — assignment of the developer agreement) usually requires the developer’s consent and may involve a fee. Selling within 5 years from the end of the year of purchase is, as a rule, subject to income tax — see the rules at podatki.gov.pl. See what is left after costs and tax in the flip calculator.

New-home prices — market report 

Early-stage new-build apartments in Warsaw: questions and answers

Can I sell the apartment before handover (cesja)?

Usually yes — through an assignment of rights and obligations under the developer agreement (cesja umowy deweloperskiej): the agreement and the amounts paid pass to the buyer. Most developers require consent, some charge a fee or allow assignment only from a certain stage — the terms are in the agreement. Before you buy, we check the assignment terms of the specific development with you. More: Assignment of a developer agreement.

What tax applies when selling within 5 years?

As a rule, selling a property or rights to it within 5 years from the end of the year of purchase is subject to 19% tax on the income (sale price minus purchase costs); there are exemptions, e.g. the housing relief (ulga mieszkaniowa). Rules at podatki.gov.pl and in the article Tax on selling a flat within 5 years; for your own situation, ask a tax adviser.

When to sell — before or after handover?

There is no single answer, and we do not forecast prices. A sale before handover depends on the developer’s consent to the assignment and on demand; after handover and entry in the land register you sell a finished unit, but you bear running costs and often finishing costs. Completion can be delayed — plan with a margin and allow for tax when selling within 5 years. Compare both routes with your own figures in the flip calculator.

Can I get a mortgage for an apartment under construction?

Yes — banks finance purchases from developers during construction, and the loan is paid out in tranches according to the schedule. If you plan to sell before handover, check in advance how the bank and the developer handle assigning an agreement with a mortgage. More: Mortgage for a flat under construction.

Do I pay TM Invest a commission?

In most cases, no — the developer usually pays our fee. Consultation and apartment selection are free: we compare the apartments on this list, completion dates and assignment terms.

Floor plan

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