Guides
Mortgages, transaction costs, districts and developers, step by step. Plain answers with numbers and sources, written for buyers from abroad too.
4 articles
Investor notes
Gross yield divides annual rent by the price; net yield deducts empty months, tax and owner's costs and divides by everything invested, including fit-out. Mid-2026 city figures were about 4.7–6.4% gross. A worked example shows 6.0% gross falling to 3.7% net.
Investor notes
Sell before the end of the fifth calendar year after acquisition and the gain is taxed at 19% (PIT-39). For a developer flat the clock is generally counted from the transfer deed. Spending the proceeds on your own housing within three years can exempt part or all of the gain.
Investor notes
A mortgaged flat can be sold: part of the buyer's money repays your bank, the bank consents to deleting the mortgage, and the entry is removed from the land register (court fee 100 zł). The usual sequence, the costs, and what to ask your bank first.
Investor notes
For Polish tax residents, private rental is taxed only by flat-rate ryczałt: 8.5% of rent up to 100,000 zł a year, 12.5% above, no costs deducted, PIT-28. How ordinary, occasional and institutional leases differ, the short-term rental changes, and steps from handover to first tenant.
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