RealtyTM Team

A flat rental agreement step by step: essential clauses, the parties' rights and obligations, the deposit, occasional lease and the most common pitfalls. A guide.

A deposit and an advance payment sound similar, yet their legal effects are entirely different. Learn when you get your money back and when you lose it for good.

Early mortgage repayment — when it pays off, the rules on compensation and whether to shorten the term or lower the payment. A practical guide.

How to value a property: valuation methods, the role of the property appraiser, the appraisal report, and factors affecting a flat or house's value. A guide.

Payment holidays let you suspend a mortgage instalment. See what they involve, who can use them and what consequences they carry for the borrower.

How to transfer real estate as a gift — the notarial deed form, tax, exemption for family and the option to revoke. A guide compliant with Polish law.

The secondary market tempts with location and price, but hides pitfalls. See how to verify the legal and technical status of a flat before signing at the notary.

Tax on private rental — the lump sum on revenue, two rates depending on the threshold and the deadlines for settling with the tax office on the PIT-28 form.

Service charges and the cost of maintaining a flat — what makes up the community fees, utilities and the renovation fund, and how to estimate a budget.

Selling a flat requires documents for the notarial deed. Check the list: title of acquisition, land register, certificates and what the notary provides.

Creditworthiness: learn how banks calculate it, what lowers it and how to improve your score before applying for a mortgage. Practical tips.

PCC tax of 2% when buying a flat on the secondary market. Find out who pays it, how to calculate the tax base and when an exemption applies.