Blog - buying an apartment in Poland
Practical guides on buying an apartment in Poland: prices, districts, mortgage, paperwork. Based on real transactions from the RCN registry.
8 min readFixed or floating mortgage rate in Poland — how each one works
How a periodically fixed rate differs from a floating one, what exactly happens when the fixed period ends, and why the early-repayment fee works the opposite way to what most borrowers assume. Rates as of August 2026.
interest ratemortgage in PolandWIBORPOLSTR
9 min readThe end of the double agent commission — what Poland's draft law means for buyers
Poland's government wants to ban real estate agents from taking commission from both sides of a deal. Here's what exactly changes, how much commission really costs, and why independent price verification matters more than ever.
agent commissiondouble commissionlaw changesbuying costs
11 min readTransaction vs asking prices — what apartments in Warsaw actually sell for
Warsaw's median asking price is 15% above the median transaction price — but that doesn't mean you can negotiate 15% off. Real RCN data for 18 districts, June 2026.
transaction pricesRCNnegotiationWarsaw
12 min readHidden costs of buying an apartment in Poland — what you'll really pay on top of the listing price
PCC, notary, commissions, insurance, finishing — a real bill for an 800,000 zł apartment. Concrete numbers, no fluff.
purchase costsPCCnotarymortgage
14 min readBest Warsaw Districts to Buy an Apartment in 2026 — Ranked by Buyer Profile
There's no single top 5 — there are different buyers. Price per m², transit, honest pros and cons for each district. Plus a list of areas to avoid.
Warsaw districtsapartment priceswhere to buy- 14 min read
Mortgage in 2026 — WIBOR, POLSTR, Fixed Rates, RKM, and 6 Tactics for a Better Offer
August 2026 rates, the end of WIBOR and the switch to POLSTR, creditworthiness, RKM, margin negotiation, and what to avoid. Specific numbers for a 600,000 zł loan.
mortgageWIBORPOLSTRcreditworthiness 
13 min readHow to Check an Apartment Before Buying — 40-Point Checklist
Legal, technical, and financial verification before signing. 40 concrete points, 5 red flags that end the deal, proven in practice.
checklisthidden defectsland and mortgage registerapartment purchase
10 min read5 Steps to Buying an Apartment in Warsaw in 2026
Step by step — from choosing a district to the notarial deed. Real costs, legal pitfalls, and how not to overpay in 2026.
buying an apartmentWarsawguide2026