RealtyTM Team

What documents do you need for a mortgage application? A guide to income documents and to documents concerning the property and the down payment.

How to take over an inherited apartment — acquiring the estate, confirmation of inheritance, tax and the land register entry. A guide under Polish law.

Short-term rental differs from an ordinary lease legally and fiscally. Learn the owner's obligations, community issues and settlements for nightly rental.

A handover protocol documents the condition of the flat at handover. See what it should contain, how to record meters and why it protects both parties.

The bank margin is a fixed part of a mortgage interest rate. See what affects it and how to negotiate a lower margin effectively when signing the contract.

How to dissolve co-ownership of real estate — ways of division, the contractual and court routes, and buyouts and additional payments. A Polish-law guide.

The APRC is the key indicator of the total cost of a loan. Learn what it covers, how it differs from the interest rate and how to compare offers with it.

Down payment for a mortgage: how much you really need, what the bank counts as a down payment, how it affects the loan terms and where to find the missing funds.

Life insurance with a mortgage — whether it is compulsory, how the assignment to the bank works and what affects the amount of the premium of such a policy.

An occasional lease is a contract with a notarised tenant declaration that eases eviction. See how to conclude one and what conditions the landlord must meet.

Shell condition or turnkey? We compare both options in terms of cost, time and control over the result, to help you choose the solution that suits you.

Property insurance — what the policy covers, how the structure differs from contents and liability, and what to check when choosing the scope.