The price of the apartment is not the only number in your budget. Many buyers — especially foreigners — are surprised by the extra costs.
Here's what to plan for.● Your own depositIn most cases you need at least 10–20% of the property price from your own savings. The exact amount depends on the bank and your situation.● TaxesSecondary market: buyers usually pay a 2% tax on civil law transactions (PCC). First-time buyers may be exempt under certain conditions. [CHECK]● Primary market (from a developer): there's no PCC — VAT is already included in the price.● Notary costs● The notary charges a fee for preparing the purchase deed, plus VAT. The maximum fee is regulated by law and depends on the property price.● Court fees● There are fees for entering you as the owner and for entering the bank's mortgage in the land and mortgage register (Księga Wieczysta).● Sworn translator● If you don't speak Polish, a sworn translator must be present when you sign at the notary. This is a cost many foreigners don't expect.● Bank-related costs● • Property valuation (operat szacunkowy)● • Possible bank commission● • Required insurance — property insurance is standard; some banks also offer or require life insurance● Real estate agent● If you buy through an agency, there's usually a commission, often paid by the buyer.
Plan the full budget before you startThe extra costs can add up to a noticeable amount on top of your deposit.
I'll help you calculate the full picture — so you know exactly how much you need before you start looking.