Guides
Mortgages, transaction costs, districts and developers, step by step. Plain answers with numbers and sources, written for buyers from abroad too.
2 articles
Know-how
Buying from a developer: VAT is already in the price and there is normally no 2% PCC. Owning: an annual property tax of up to 1.25 zł per m² in 2026. Renting and selling have their own rules, explained here with the points that still need a tax adviser.
Know-how
VAT is inside the price and there is usually no PCC. You pay notary fees for two deeds (the developer agreement is split 50/50), land-register court fees, bank costs and fit-out. For a 600,000 zł flat with a mortgage, notary and court fees are about 4,750 zł at maximum rates.
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