Toolbox
Four calculators, each with its assumptions, formula and rate date written out. Share any result as a link.
Monthly payment, interest and a 2.5-point rate-rise test.
PLN 3,540monthly payment on a price of PLN 700,000
What price of flat a bank will lend for on your income and commitments.
PLN 932,000flat price on PLN 12,000 net income
Notary, court, taxes and mortgage: everything on top of the price.
PLN 5,900transaction costs on top of PLN 700,000
Gross and net yield, tax, vacancy and cash flow.
4.7%net yield at PLN 4,000 rent
Articles that explain the calculators' assumptions.
Questions & answers
Short answers for foreign buyers: when a permit is needed, whether banks lend to foreigners, down payments, residence documents, non-residents, foreign-currency income, loan terms, the stress buffer, credit history, documents and state schemes.
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
Polish supervisory rules do not mention citizenship: your residence document and income currency decide. With a residence card and złoty income, expect about 20% down (10% with insurance). What banks ask of each group, late-2026 costs and currency risk.
Data
The same points as in the text, on live prices and registers.
Prices from developers' price lists, updated daily
Median price per m² and number of listings in each district
Company history and signals from public registers
Where the developer data comes from and what the score means
Tell us what you got and we will show apartments that fit, plus what a calculator cannot see.
We reply in Polish, Ukrainian, Russian and English, usually within one working day.
Procedures from reservation to handover: what to do, in what order, what to check.
Explainers: costs, taxes, mortgages for foreigners, developer risk, buyer rights.
Short answers to what buyers ask most, grouped by topic.
Renting, yield, taxes and risk: looking at a flat as an investment.