Financial basics

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

The full list of flat purchase costs: notarial fee, PCC or VAT tax, court fees, commissions and mortgage costs. How much to add to the price?

Court fees when buying a flat — the entry of ownership and mortgage in the land and mortgage register. Find out what you pay for and who collects them.

The notary fee when buying property — how it is set, what determines its amount and which additional charges the notary will add to it at signing.

Tax on the sale of property before five years have passed — how to count the period, what the housing relief involves and how to settle the income on PIT-39.

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.