Real estate calculators — mortgage, rent, PCC and purchase costs

Banks consider net income, fixed liabilities (other loans, alimony), down payment, age and household size. The credit capacity calculator gives an estimate — each bank applies its own scoring criteria.

For secondary market: 2% of property value. Developer purchases (primary market) are exempt from PCC but subject to VAT (5% or 8%). Exception: first-home buyers on the secondary market may be exempt from PCC if they own no other property.

Under an occasional tenancy agreement, the deposit is max. 6× monthly rent; for a standard agreement — max. 3×. The deposit calculator shows the amount and compares it with alternative security forms.

19% income tax applies to sales within 5 years from the end of the acquisition year. However, the residential relief applies — spending the proceeds on your own housing needs within 3 years exempts you from tax. The sales tax calculator computes the amount.

It depends on property prices, rent, mortgage rate and time horizon. The rent vs. buy calculator compares total costs for both options and shows the break-even point — when buying becomes more beneficial.

The notary fee depends on property value and is legally capped (max. PLN 10,000 + VAT). Add land registry entries (PLN 200) and any PCC. The notary cost calculator shows the full breakdown.