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GuidesReal estate

Real estate

Guides on mortgages, flat rentals and buying or selling property. We cover PCC tax, notary costs, sale tax, rental deposits and tenant rights — step by step through every transaction.

Guide topics

Mortgage

How a mortgage works, what the requirements, costs and instalments are. Practical tips for property buyers.

11 Articles

All guides

PCC when buying an apartment — when it applies

PCC for apartment purchases: who pays, when it applies, rate and exemptions. Clear overview.

Mieszkanie→

Rental deposit — amount, return and rules

Learn what a rental deposit is, how much it can be, when it must be returned and when deductions are allowed.

Rent→

Mortgage with no down payment — is it possible and on what terms

Can you get a mortgage without a down payment, what are the alternatives and risks, and how to prepare.

Mortgage→

Mortgage loan — what it is and how it works

What a mortgage is, how it works, main costs and key conditions, explained clearly.

Mortgage→

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Browse legal specializations related to the most common user cases.

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FAQ

Frequently asked questions

Answers to the most common questions about using legal and financial guides — Real estate.

Mortgage, rental, buying and selling property, PCC tax, occasional tenancy, eviction and developer disputes. Each guide includes a step-by-step procedure and cost calculators.

Yes, if the bank agreed or the loan agreement does not prohibit it. Some banks require an addendum. The guide covers the rules and tax implications.

Sales after 5 years from the end of the acquisition year are tax-exempt. Earlier — the residential relief may apply (spending proceeds on own housing needs within 3 years).

In the prawopro.pl law firm directory, select Real Estate Law or Civil Law and search by location.

Property sale

Tax on property sale, housing relief, deadlines and documents required for the transaction.

2 Articles

Rent

Rights and obligations of landlord and tenant — contract, deposit, rent increases and income taxation.

6 Articles

Apartment

Costs of buying an apartment — PCC tax, notary fees, court fees. How the transaction works and what to avoid.

6 Articles

Mortgage overpayment — is it worth it and how to do it

How mortgage overpayments work, when they pay off, how to calculate savings and what to check in the contract.

Mortgage→

Mortgage interest rate — fixed vs variable and what it depends on

How mortgage rates work, fixed vs variable, and how they affect instalments and total cost.

Mortgage→

Mortgage comparison — what to check and how to choose

How to compare mortgages: margin, APRC, fees, extra costs and contract terms in practice.

Mortgage→

Mortgage instalment — how to calculate it and what it depends on

How to calculate a mortgage instalment, what affects it and how to compare repayment options.

Mortgage→

Mortgage refinancing — when it makes sense and how it works

What mortgage refinancing is, when it pays off, its costs and the step‑by‑step process.

Mortgage→

Down payment for a mortgage – how much and how to document

How much down payment is needed for a mortgage, what counts, and which documents to prepare. Practical guidance and examples.

Mortgage→

Rent or buy a home? What pays off

When renting pays, when buying. Costs, risk, flexibility. Practical guide with examples and FAQ.

Rent→

Rent or mortgage?

Compare costs. When to rent, when to buy. Practical guide with examples and FAQ. Practical guide with examples and FAQ.

Rent→

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Most popular guides in this category

Rental deposit — amount, return and rulesNotarial costs when buying an apartment — fees and chargesCost of buying an apartment — fees and extra costsMortgage with no down payment — is it possible and on what termsMortgage loan — what it is and how it worksMortgage overpayment — is it worth it and how to do it
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