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Mortgage refused in Poland – what next? Reasons and 5 steps
Foreign-currency or foreign income and a mortgage in PolandCatalogue data as of 11/07/2026
In Wrocław, the TM Invest catalogue currently lists 156 available apartments with 4 or more rooms priced up to PLN 1M in 19 developments by 11 developers. The average floor area is 73.1 m², the average price per m² is 12 134 zł, prices range from 734 436 zł to 999 000 zł.
Districts with the most such listings: Fabryczna (76), Krzyki (50) and Psie Pole (26). Developers offering the most apartments: Dom Development (57), Develia (52) and Lokum Deweloper (14).
Four rooms for up to PLN 1M is usually a family choice: separate bedrooms, a room for working from home and a larger living room. In this budget, districts further from the centre come up more often — so we compare floor area, price per m² and completion date in one place.
New-build apartments in Poland are sold in developer standard (stan deweloperski — ready for finishing). Dla kupującego mieszkania z rynku pierwotnego — zwykle bez prowizji: nasze wynagrodzenie płaci deweloper. Za usługi dodatkowe (np. rynek wtórny) wynagrodzenie uzgadniamy z klientem z góry.

Osiedle Międzyleska etap IV
Osiedle Międzyleska etap III
Lokum la Vida
Podhalańska Vita
Pilczycka Vita
Osiedle Międzyleska etap IV
Lokum la Vida
Podhalańska Vita
Pilczycka Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IV
Podhalańska Vita
Osiedle Międzyleska etap IVLoading the map…
Data as of 07.11.2026: available apartments in the TM Invest catalogue — developer data and official price lists (dane.gov.pl). 156 available apartments in 19 developments, prices from 734 436 zł, median price per m² 12 300 zł/m², median size 74.7 m², in completed buildings: 18.
| Development | Location | Available | From | Median per m² | Completion |
|---|---|---|---|---|---|
| Podhalańska Vita | Fabryczna, Wrocław | 28 | 748 305 zł | 11 099 zł/m² | IV kw. 2027 |
| Osiedle Międzyleska etap IV | Krzyki, Wrocław | 24 | 798 576 zł | 12 800 zł/m² | IV kw. 2027 |
| Pilczycka Vita | Fabryczna, Wrocław | 13 | 824 969 zł | 12 099 zł/m² | IV kw. 2027 |
| Lokum la Vida | Psie Pole, Wrocław | 12 | 869 000 zł | 12 889 zł/m² | Completed |
| Osiedle Międzyleska etap III | Krzyki, Wrocław | 11 | 834 876 zł | 12 300 zł/m² | III kw. 2027 |
| Osiedle Metr Kwadrat etap II | Fabryczna, Wrocław | 10 | 734 436 zł | 14 000 zł/m² | IV kw. 2026 |
| Osiedle Park Świetlików | Fabryczna, Wrocław | 10 | 841 434 zł | 12 300 zł/m² | IV kw. 2027 |
| Villa Viva | Krzyki, Wrocław | 9 | 840 510 zł | 11 000 zł/m² | I kw. 2028 |
| Osiedle Arkadia etap II | Psie Pole, Wrocław | 7 | 809 952 zł | 12 200 zł/m² | III kw. 2027 |
| WUWA Vita etap III | Fabryczna, Wrocław | 5 | 931 278 zł | 12 099 zł/m² | IV kw. 2027 |
The TM Invest catalogue currently lists 156 available apartments with 4 or more rooms priced up to PLN 1M. The average floor area is 73.1 m² and the average price per m² is 12 134 zł.
With a 20% down payment (190 000 zł) the loan is about 760 000 zł; with 10% down (95 000 zł) — about 855 000 zł. The monthly instalment depends on the interest rate, loan term and your creditworthiness — we will calculate it during a free consultation.
Banks usually require at least 20% of the price, or 10% with low-down-payment insurance. At 950 000 zł that is 190 000 zł or 95 000 zł. Add notary and court fees and a possible bank fee; buying from a developer, you pay no PCC tax (VAT is included in the price).
The most: Fabryczna (76), Krzyki (50), Psie Pole (26) and Stare Miasto (4). The full list with prices and floor plans is above.
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.