Guides
Mortgages, transaction costs, districts and developers, step by step. Plain answers with numbers and sources, written for buyers from abroad too.
2 articles
Questions & answers
Short answers on notary fees and who pays them, court fees, the November 2026 notary changes, PCC, VAT rates, mortgage costs, fit-out budgets, property tax and extra costs for foreign buyers.
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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