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Funkcjonalny układ | 4 pokoje | bez PCC i prowizji

889 000 zł12 491 zł/m²Price cut by 49 194 zł

Mortgage ~4539 zł/mo at 20% downcheck →

Price dropped to 839 806 zł · August 25 · −49 194 zł

Transaction median 13 813 zł/m² · this listing is 10% cheaper

71.2 m²area
4rooms
2floor
2026built
On the market for 61 daysposted July 20, 2026
Prądnik Biały · ul. Stefana Banachaaddress

Open on Otodom·Analyzed on August 16, 2026

Compare

Agency «TEC Real Estate»

Summary

Worth considering

Location6.1

Building8.3

Worth considering

+Pros

+Transit-rich: 14 bus and 4 tram lines
+Parks nearby: 3
+Shops nearby: 8
+Schools/kindergartens nearby: 8
+Modern building (2026)

−Cons

−Parking spot is not included — sold separately
−Agency — typically +1-3% commission (≈18 000 zł) on top of price, confirm

•Neutral

•Hard to benchmark the price: too few similar transactions nearby

Match for you

Your buyer profile is empty, so there is nothing to compare this flat against yet. Four questions and this block turns into a checklist of what fits you and what does not.

Fill in the profile

The fit score is based on your profile and the facts of this analysis. This is an informational tool, not advice.

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What to do next

Why you can push the price down

Seller already cut the price 6% - willing to move, the start was high
strong argument
On the market ~2 mo. - the seller is tired of waiting

From the listing

Listing signals

Same listing on other portals
Most likely the same flat posted to several sites. Compare the price and details - they sometimes differ.
- Morizon889 000 zł
- Gratka889 000 zł

Full ownership

Standard regime - no legal restrictions for mortgage or sale.

What the apartment has

Balcony / terrace

not mentioned

not mentioned ≠ absent

Parking

garage

in the listing

Storage / cellar

not mentioned

not mentioned ≠ absent

Air conditioning

not mentioned

not mentioned ≠ absent

Kitchen

not mentioned

not mentioned ≠ absent

Windows

not mentioned

not mentioned ≠ absent

Other amenities (3)

Security

CCTV / securityintercom / video

Heating

district heating

“in the listing” - ticked by the seller in the portal form · “from description” - found by AI in the listing text · “from plan” and “in photos” - spotted by AI on the floor plan or photos · not mentioned does not mean absent · “likely none” - not drawn on the complete floor plan

Description

Na sprzedaż funkcjonalne, 4-pokojowe mieszkanie o powierzchni 72 m2, położone na parterze nowoczesnego budynku przy ul. Stefana Banacha w Krakowie. Mieszkanie charakteryzuje się praktycznym układem…

Polish original - translation failed.

Seller

agency

TEC Real Estate

at least 285 active listings across 41 cities

Statistics based on listings collected by mieszk.pl. This is not an assessment of service quality.

Listing history

DateEventPricezł/m²

Aug 25, 2026Price cut839 806 zł−49 194 zł11 800 zł/m²11 800

Jul 20, 2026Listed889 000 zł12 491 zł/m²12 491

Total: −49 194 zł

Building

8.3/ 10

Year

2026

Type

block of flats

Floor

2 / 5

Windows

plastic

Elevator

yes

What affected the score

Modern building
Security or gated estate

Cost of purchase

See how much you need now and the monthly payment if you buy with a mortgage.

You need now

190 400 zł

down payment + transaction fees

Full cost of purchase

901 600 zł

+12 600 zł (+1.4%) over listing price

Mortgage calculator

Down payment20%

zł

Term

yrs

fixed or variable — what's the difference?

What you pay now

Down payment177 800 zł
VAT includedalready in price
Notary + KW registration3200 zł
Mortgage deed at the notary1600 zł
Bank: ~1% origination + appraisal7800 zł

Total you need now190 400 zł

Bank mortgage rates

Data: Comperia

ratePayment

Bank margins are indicative - not an offer.

Estimate per KNF heuristics (DTI ≤ 40% net, LTV ≤ 80%) and the notary fee schedule. Confirm exact amounts with a notary and bank.

Indicative data as of 09/2026. Some offers require additional products (account, insurance). The actual rate depends on income, credit history (BIK) and LTV.

Price

below market

6.0/ 10

This listing

12 491 zł/m²

889 000 zł

Median of 10 similar transactions

13 813 zł/m²-10%

City median

14 900 zł/m²-16%

≈ 1 060 000 zł

⚠️ No exact building number, and the era window had to be widened (few transactions in ±10–15 yrs of the listing) - the median estimate is indicative; verify the peer building on viewing.

12 491 zł/m²

889 000 zł

11 741 zł/m²

835 611 zł

15 885 zł/m²

1 130 532 zł

Similar transactions· 10

Price/m²Addressm² · roomsFloorYearDate

13 590 zł/m²+9%16/01/2026
Papierni Prądnickich 69
72.7 m² · 4 rooms · 4 floor · 2025
13 590 zł/m²+9%Papierni Prądnickich 69883 m72.7 m²· 44202516/01/2026
15 243 zł/m²+22%16/01/2026
Papierni Prądnickich 69
72.2 m² · 4 rooms · 5 floor · 2025
15 243 zł/m²+22%Papierni Prądnickich 69883 m72.2 m²· 45202516/01/2026
13 786 zł/m²+10%12/01/2026
Papierni Prądnickich 69
72.8 m² · 4 rooms · 3 floor · 2025
13 786 zł/m²+10%Papierni Prądnickich 69883 m72.8 m²· 43202512/01/2026
14 221 zł/m²+14%14/09/2025
PAPIERNI PRĄDNICKICH 73
76.7 m² · 4 rooms · 4 floor · 2025
14 221 zł/m²+14%PAPIERNI PRĄDNICKICH 73892 m76.7 m²· 44202514/09/2025
14 482 zł/m²+16%08/09/2025
PAPIERNI PRĄDNICKICH 73
78.5 m² · 4 rooms · 5 floor · 2025
14 482 zł/m²+16%PAPIERNI PRĄDNICKICH 73892 m78.5 m²· 45202508/09/2025

Nearby transactions· 10

Price/m²Addressm² · roomsFloorYearDate

12 960 zł/m²+4%23/01/2026
Siewna 30A
59.8 m² · 3 rooms · 1 floor · 2013
12 960 zł/m²+4%Siewna 30A641 m59.8 m²· 31201323/01/2026
16 030 zł/m²+28%10/01/2026
ks. Józefa Meiera 16C
74.5 m² · 3 rooms · 3 floor
16 030 zł/m²+28%ks. Józefa Meiera 16C775 m74.5 m²· 33—10/01/2026
18 791 zł/m²+50%22/12/2025
Lublańska 13
59.9 m² · 3 rooms · 4 floor · 2023
18 791 zł/m²+50%Lublańska 13781 m59.9 m²· 34202322/12/2025
15 287 zł/m²+22%27/01/2026
Żmujdzka 23
63.8 m² · 3 rooms · 1 floor · 2019
15 287 zł/m²+22%Żmujdzka 23860 m63.8 m²· 31201927/01/2026
15 108 zł/m²+21%15/01/2026
Papierni Prądnickich 69
62.2 m² · 3 rooms · 4 floor · 2025
15 108 zł/m²+21%Papierni Prądnickich 69883 m62.2 m²· 34202515/01/2026

Price trend - Kraków

4+ rooms

Prices are trending up - roughly 4% per year.

Transaction median

13 588 zł/m²

Range p25–p75

11 772-15 692

Monthly RCN transaction median for flats with 4+ rooms in the area.

Full area price overview →

Primary market

Ceny ofertowe mieszkań dewelopera HIMAWARI INVESTMENT SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ w 2025 r.

In this development

15,896 zł/m²

median of 155 units

Nearby developments (≤1.5 km)

15,137 zł/m²+5.0%

22 developments nearby

HIMAWARI INVESTMENT SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ

Part of ARCHICOM SPÓŁKA AKCYJNA

registered since 2023share capital 5,000 złKRS 0001046613

Couldn't pin the exact unit - showing the whole development's context.

View the whole investment →

Data from the developer offer-price register (dane.gov.pl). Offer prices, not transaction prices. This is not advice.

Rental yield (estimate)

17 rental listings · in this city

Estimated rent

~4286 zł /mo3713 zł-4942 zł

Gross (asking price)

5.8%

Net

4.6%

after vacancy, tax and maintenance reserve

Payback period

17.3 yrs

Rent covers mortgage

95.2%

at 20% down, 25 yrs, rate 5.8%

Cash-on-cash

-1.2%

annual cash flow after mortgage / invested capital

How we compute net?

Annual rent (12 mo.)51 432 zł
Vacancy 1 mo.−4286 zł
Flat-rate tax 8.5%−4007 zł
Maintenance reserve−2143 zł
Net per year40 996 zł

Few similar rental listings nearby - rough estimate, treat as indicative.

Estimate based on nearby rental listings (asking rates). This is not investment advice.

Location

6.1/ 10

To the centre4.5/10

Moderate commute time to the centre.

Daily life8.5/10

Shops, pharmacies and services right nearby.

For family8.5/10

Schools and kindergartens within easy reach.

Peace & greenery4.3/10

Greenery is there, but elevated noise.

Getting around

Bociana 01416 m
18506975
416 m
Bociana 02447 m
18506975
447 m
Jabłonna 02137 m
169469
137 m
Prądnik Biały Wschód 02141 m
141 m

Commute to Kraków centre

34 min

8 min596 m

17 minTram 75

9 min648 m

Nearby infrastructure

Shops8Parks & squares3Kindergartens6Gyms & fitness clubs3

Shops8

Biedronka218 m
Lidl379 m
Żabka165 m

Parks & squares3

Ogród nad Sudołem794 m
Park Zaczarowanej Dorożki817 m
Park Rzeczny Białucha971 m

Kindergartens6

Żłobek Samorządowy nr 30509 m
Samorządowe Przedszkole nr 178598 m
Żłobek Samorządowy Nr 21 Filia697 m

Gyms & fitness clubs3

Soul Fitness577 m
Just gym821 m
Hart Pro936 m

Primary schools nearby

by 8th-grade exam

Surroundings

72 dB772 · 163 mLine 8 · 19 mIndustrial zone · 117 mAir: good

Noise map

72 dB Lden

night 66 dB

Source: Kraków SMH 2022 (MSIP)

Major street

772 · 163 m

Source: OpenStreetMap

Railway

Line 8 · 19 m

Source: OpenStreetMap

Industrial zone

117 m

RDM Śródmieście

Source: OpenStreetMap

Air

good

station “Kraków, Os. Piastów”, 4.3 km away

Source: GIOŚ

Flood risk

outside mapped hazard zones

Source: Flood hazard maps (ISOK)

Planned construction nearby

GUNB registry (RWDZ)

10 projects in the registry nearby222

Budowa budynku usługowo-mieszkalnego.
building permit · Jul 2024 · check the registry ↗
~370 m
Budowa budynku mieszkalno-usługowego.
building permit · Jul 2024 · check the registry ↗
~380 m
Budowa budynku usługowego.
building permit · Sep 2025 · check the registry ↗
~490 m
Rozbiórka 4 budynków handlowo - usługowo - biurowych.
demolition · Feb 2025 · check the registry ↗
~160 m
Rozbiórka budynku w funkcji magazynowej.
demolition · Feb 2025 · check the registry ↗
~180 m
Budowa budynku usługowego.
building permit · Jan 2026 · check the registry ↗
~510 m

3 new single-family houses permitted within 1 km

…and 4 more projects in the registry nearby

A permit does not guarantee construction will start; no records is not a guarantee nothing will be built.

Condition

Condition score, renovation state and photo findings (6 photos) — in the full AI analysis.

Similar listings nearby

cheaper than similar

This listing

12 491 zł/m²

Median of 10 similar listings

14 557 zł/m²-14%

12 491 zł/m²

889 000 zł

12 126 zł/m²

863 007 zł

16 741 zł/m²

1 191 425 zł

1 130 000 zł
84.6 m² · 13 357 zł/m²+7%
Bociana, Prądnik Biały
207 m from the listing
no longer listed
1 060 537 zł
full cost: 1 099 537 zł
84.3 m² · 12 582 zł/m²+1%
Bociana, Prądnik Biały
169 m from the listing
no longer listed
829 282 zł
full cost: 868 282 zł
63.8 m² · 12 998 zł/m²+4%
Bociana, Prądnik Biały
420 m from the listing
no longer listed
1 055 613 zł
full cost: 1 094 613 zł
67.2 m² · 15 709 zł/m²+26%
Bociana, Prądnik Biały
169 m from the listing
See allin the catalog, with the same filters

Picked from listings within 2 km with similar area and price. This is an asking price (what the seller wants), not a closed transaction - usually −3…−8% after negotiation.

Listing history in this and neighboring buildings

A listing disappearing does not mean a sale - it may have been withdrawn or relisted.

Funkcjonalny układ | 4 pokoje | bez PCC i prowizji

Summary

Match for you

What to do next

Why you can push the price down

From the listing

What the apartment has

Other amenities (3)

Description

Seller

Building

What affected the score

Cost of purchase

What you pay now

Bank mortgage rates

Price

Price trend - Kraków

Primary market

Rental yield (estimate)

Location

Nearby infrastructure

Primary schools nearby

Surroundings

Planned construction nearby

Condition

Similar listings nearby

Listing history in this and neighboring buildings

Track similar listings

Need help getting approved?

Hidden costs of buying an apartment in Poland — what you'll really pay on top of the listing price