Przejdź do treści
Liczbnik

Real Estate Calculators

Plan a property purchase, rental or investment with a clear picture of every cost. The calculators below work out the full cost of buying a flat (PCC tax, notary and court fees, agent commission), your borrowing capacity, the price per square metre, finishing costs, the deposit and rent, and the rental yield (ROI) so you can judge whether letting pays off. They are for buyers, investors, tenants and landlords alike. Results are indicative and do not replace advice from a mortgage adviser.

Real estate costs in Poland

Buying property in Poland is one of the largest financial decisions in life — and one of the most expensive beyond the purchase price itself. Understanding all cost components helps avoid unpleasant surprises and plan your budget precisely. PCC tax (civil-law transaction tax) is 2% of the property value when purchasing on the secondary market. For a flat worth PLN 500,000 that is a one-off cost of PLN 10,000. When buying from a developer (primary market), PCC does not apply — instead, the developer charges VAT: 8% for flats up to 150 m² or 23% for larger or commercial properties. Notary fees are mandatory in every real estate sale. The notarial tariff is regulated by ministerial decree and depends on the contract value — for a PLN 500,000 property it amounts to approximately PLN 3,185 net (excl. VAT) plus the cost of deed copies and land-register entries. Total notary and court costs can reach PLN 4,000–6,000. Creditworthiness is the key parameter when buying on a mortgage. Banks assess net income, existing obligations, the DTI (debt-to-income) ratio, BIK credit history and employment stability. The minimum down payment required is 20% of the property value (or 10% with low-equity insurance). For a PLN 500,000 flat that means at least PLN 100,000 of own funds. Price per square metre in Poland varies sharply by location. In Warsaw the median is approximately PLN 14,000–17,000/m², in Kraków around PLN 12,000–15,000/m², and in smaller cities PLN 5,000–8,000/m². Finishing a developer-standard flat adds another PLN 1,500–3,500/m² — factor this into the budget from the start. The rent-vs-buy decision requires comparing the monthly rent with the mortgage instalment plus running costs and the opportunity cost of the down payment. The rent-vs-buy calculator lets you model this balance across different property-price and interest-rate scenarios. Calculator results are indicative and do not replace personalised advice from a mortgage adviser.

See also: Salary and payroll calculators · VAT calculators · Loan calculators

Frequently asked questions about real estate

What is the PCC tax on property purchase?

PCC tax on secondary market purchases is 2% of the property value.

Is a developer purchase exempt from PCC?

Yes — buying from a developer is subject to VAT (8% or 23%), not PCC.

What is creditworthiness?

Creditworthiness is the maximum loan amount a bank will lend based on your income and liabilities.

The installment depends on loan amount, interest rate (WIBOR + margin), loan term and installment type.

The minimum down payment is 20% of property value (10% with low-equity insurance).

APR (RRSO) includes interest, commission and all fees — it shows the true annual cost of the loan.

Notary fees depend on property value — typically a few thousand PLN including deeds and excerpts.

It depends on location, purchase price and rental rate. Use the ROI calculator to evaluate profitability.

Equal (annuity) installments are constant. Declining installments decrease over time but start higher.

No — the calculator provides estimates. A bank sets actual loan conditions individually.