Buying in Poland? Ask us any question you have.

EU buyers free, flats exempt, and the border-zone exception

• “Every two months, they asked us for new information.”

  You'll see how a house purchase near Wrocław dragged on for eight months of MSWiA document requests.

  dev.by · 20+ repliesRead the post ↗

• “We bought the plot, then the office refused our transfer”

  You'll learn why a non-EU buyer should confirm MSWiA permission before paying and signing.

  SpecPrawnik.plRead the post ↗

• “We signed for land 8 km from Belarus, then waited for MSWiA.”

  Interesting because a plot near the Belarus border needed MSWiA approval after the prelim was signed.

  MOST MediaRead the post ↗

• “My permit took just under three months for the house”

  You’ll learn what documents made up a real MSWiA application and how long it actually took.

  Reddit · 50+ repliesRead the post ↗

• “I bought a plot and house with temporary residency only”

  You’ll see that temporary residency did not remove the permit issue, but the purchase still closed.

  Reddit · 50+ repliesRead the post ↗

• “We got permission in three months while arranging a loan”

  Worth reading because it shows how the bank and MSWiA documents depend on each other.

  Reddit · 50+ repliesRead the post ↗

• “We bought the house, but the shared land needed a permit”

  Interesting because a Canadian buyer explains how shared land changed the ownership structure.

  Polish ForumsRead the post ↗

• “My Warsaw flat also included land that needs approval”

  Useful thread because it shows how shared roads or green areas can trigger MSWiA approval.

  RedditRead the post ↗

• “I'm foreign, but I bought a twin house deeded as flats.”

  You'll learn how a deed's wording on a twin house can decide whether a foreigner needs MSWiA approval.

  Reddit · 50+ repliesRead the post ↗

• “I'm non-EU, so my house with land needed an MSWiA permit first.”

  Worth reading because a non-EU buyer without permanent residency got the permit before closing.

  Reddit · 50+ repliesRead the post ↗

• “Many sellers would not wait for my MSWiA permit to come through.”

  You'll learn why MSWiA timing can change which property type a foreign buyer can realistically pursue.

  Onet PodróżeRead the post ↗

Separate ownership, a co-op right, and the land conversion fee

• “My agent said new wiring, but aluminium was still there”

  Worth reading because the buyer contrasts the agent’s claim with the wiring found after purchase.

  SpecPrawnik.plRead the post ↗

• “My deed said 62 m², but three square metres were missing”

  The replies explain which measurement standards can create a gap between the deed and reality.

  ForumPrawne.orgRead the post ↗

• “We were told we could live here, now walls must come down.”

  Interesting because the buyer learned that a marketed flat was legally inside a single-family house.

  Uwaga! TVNRead the post ↗

• “A month after I bought it, the roof window started leaking”

  You’ll learn which post-purchase defects were invisible at viewing and how the buyer documented them.

  SpecPrawnik.plPLN 2,500 repair quotedRead the post ↗

• “I paid nearly a million, and now the block may collapse”

  You’ll see why checking a building’s structural history matters even when the flat itself looks fine.

  Uwaga! TVNRead the post ↗

• “After removing the floor, I found no concrete screed”

  You'll learn why buyers keep listings, contracts and expert evidence when hidden defects emerge.

  SpecPrawnik.plPLN 18,000Read the post ↗

• “I paid PLN 270,000, then damp and mould spread inside”

  You’ll see how a buyer describes hidden moisture, mould and suspected insulation failure after sale.

  SpecPrawnik.plRead the post ↗

• “We bought a 1980s house, then records pointed to 1910”

  You’ll learn which records can contradict a seller’s stated build year after the purchase.

  SpecPrawnik.plRead the post ↗

• “We were promised rekuperacja, but the house has none”

  Useful thread because the buyers list which promised systems and defects emerged after moving in.

  SpecPrawnik.plRead the post ↗

• “I bought online, then found no water, power or heating”

  Worth reading because the buyer lists what a remote purchase failed to verify before completion.

  SpecPrawnik.plRead the post ↗

• “The developer sold this exact place to us as our parking”

  You'll see why parking shown during a sale should be matched to the parcel rights in the documents.

  Interwencja PolsatRead the post ↗

• “We bought debt-free, then wspólnota billed the old loan”

  You’ll learn why a debt-free sale statement may not settle what the wspólnota later charges.

  SpecPrawnik.plRead the post ↗

• “I bought in 2023, unaware this sewage dispute even existed”

  You'll see why utilities on another plot can create rights your flat does not actually include.

  Interwencja PolsatRead the post ↗

• “I bought the flat, then hidden damp appeared on the walls”

  Useful discussion because it shows what evidence matters when a defect was invisible at viewing.

  SpecPrawnik.plRead the post ↗

• “My bathroom outlets only work when the light is switched on”

  The replies explain why a small electrical symptom can support a hidden-defect claim after purchase.

  SpecPrawnik.plRead the post ↗

• “We bought the house, then an audit found fire-risk wiring”

  You’ll see which post-purchase audit findings exposed electrical, insulation and window defects.

  SpecPrawnik.plRead the post ↗

• “I was told 1960, then the certificate showed the year 1930”

  You'll learn which documents contradicted the seller's stated construction year before the dispute.

  ForumPrawne.orgRead the post ↗

• “My deed says one room, but the flat actually has four”

  Useful thread because it shows when the deed and KW description can diverge from the layout.

  SpecPrawnik.plRead the post ↗

• “A reservation agreement is still the only document I have.”

  You’ll see why paying and moving in without final ownership documents can leave buyers exposed for years.

  Uwaga! TVNRead the post ↗

• “My sewage pipes cross downstairs, and the new owner objects”

  You'll learn why shared-building alterations should be documented before ownership changes hands.

  SpecPrawnik.plRead the post ↗

Sections I to IV, pending notes and warnings in the register

• “After buying, the survey showed my neighbour 10 cm onto my plot.”

  You'll see why a boundary survey can reveal an encroachment that the KW and the maps never showed.

  Wykop.pl · 20+ repliesRead the post ↗

• “I misread it and thought the mortgage debt was only 60,000 PLN.”

  You'll learn how misreading the mortgages in Section IV of the KW cost this buyer a 40,000 PLN advance.

  mamNewsa.pl40,000 PLN advanceRead the post ↗

• “I bought a clean-KW plot, then an adverse claim appeared”

  You’ll see why a clean KW at purchase is not the end of due diligence when possession is disputed.

  ForumPrawne.orgRead the post ↗

• “Section III shows a State claim before my preliminary deal”

  The replies explain which Section III entry made this buyer pause before signing the umowa przedwstępna.

  SpecPrawnik.plRead the post ↗

• “I signed my deed with the developer's mortgage still on it”

  You'll learn why a cash purchase still needs a clear mortgage-release path before ownership transfers.

  Interwencja PolsatRead the post ↗

• “My flat's KW looks fine, but the building's Section II is blank.”

  Useful thread because it shows what a blank Section II in the building's master KW means for a buyer.

  Morizon BlogRead the post ↗

• “After the prelim, I found the only easement in the KW was wrong.”

  You'll see what a buyer can do when road access was never regulated and the KW easement is wrong.

  Morizon BlogRead the post ↗

• “I bought land with a służebność, but no road ever existed”

  Useful thread because it shows what a registered służebność can mean even when unused for years.

  SpecPrawnik.plRead the post ↗

• “Three power poles stand on my plot, but no easement in the KW.”

  The replies explain what obligations power lines can carry on a plot even when no easement is in the KW.

  Wykop.plRead the post ↗

• “My house KW had a bailiff plus two mortgages recorded on it”

  You’ll learn which KW encumbrances the buyers wanted cleared before using their zadatek.

  SpecPrawnik.plRead the post ↗

• “I paid the KW creditor, then another debt hit my house”

  You'll see why paying one creditor shown around a KW does not prove every enforcement risk is cleared.

  Interwencja PolsatRead the post ↗

• “I paid for the plot, but the seller has no akt notarialny”

  Worth reading because the first post shows how missing title documents can block ownership after payment.

  SpecPrawnik.plRead the post ↗

• “I could not sign, the building had a PLN 6m forced mortgage”

  You'll see why Section IV should be rechecked before the final deed, not only when the deal begins.

  Interwencja PolsatRead the post ↗

• “When I came to sell, my bathroom wasn't in the land register.”

  Useful thread because a room you use daily can be missing from the flat's registered description.

  SpecPrawnik.plRead the post ↗

• “A 0.03 m² KW mismatch still blocks my ownership deed”

  Interesting because a tiny area mismatch between records was enough to stop every notary from signing.

  Państwo w PaństwieRead the post ↗

• “I'm buying a property with a warning in section III of its KW.”

  Useful discussion because it shows why a section III warning must be resolved before completion.

  SpecPrawnik.plRead the post ↗

• “Several owners had debts, so we checked our exact parcel”

  Useful thread because it shows why each parcel and its KW must be checked separately.

  SpecPrawnik.plRead the post ↗

• “A developer bought the plot served by my służebność road”

  You’ll see how broad wording in an akt notarialny changed traffic and damage on a private road.

  Wykop.plRead the post ↗

The local plan, the 2016 farmland act and KOWR pre-emption

• “The communal bin shelter was built on the plot I bought”

  Worth reading because the MPZP and site plan differed from what was actually built on handover.

  Wykop.pl · 100+ repliesRead the post ↗

• “Two hours before notary, I learned the plot was farmland”

  You’ll see why the land classification should be verified before the notary appointment is fixed.

  SpecPrawnik.plRead the post ↗

• “I pay the mortgage now, but I still have nowhere to live.”

  Worth reading because officials annulled the WZ decision for a finished block after buyers moved in.

  TVN24Read the post ↗

• “After I transferred the money, the seller said he wanted out.”

  You'll see what a sale conditional on KOWR means when the seller wants out after a 130,000 PLN advance.

  Morizon Blog130,000 PLN advanceRead the post ↗

• “I bought extra land to split, then the new general plan hit it.”

  You'll learn why a new general plan can override an old WZ and change what you can build on land you own.

  Wykop.plRead the post ↗

• “I was told year-round use was fine, then starostwo disagreed”

  Useful thread because it shows why verbal planning guidance is not enough for a recreation plot.

  SpecPrawnik.plRead the post ↗

• “They built six floors where the local plan allowed only five.”

  You’ll learn why checking the MPZP against the actual design can matter even after sales begin.

  Uwaga! TVNRead the post ↗

• “I signed the akt, then learned I cannot build on the plot”

  You'll see why a building-line check matters even when the municipality calls a plot residential.

  SpecPrawnik.plRead the post ↗

• “Our deeds hang on a road deal with no deadline to finish it.”

  Interesting because the municipal road agreement had no completion deadline, leaving deeds in limbo.

  Interwencja PolsatRead the post ↗

• “I bought the plot, but there is no legal droga dojazdowa”

  The replies explain what can happen when practical road access exists but no legal access does.

  SpecPrawnik.plRead the post ↗

• “I paid 270,000 zł, then learned there was no building permit”

  You'll see why the permit and MPZP must be verified independently even when a notarial deed is offered.

  Państwo w PaństwieRead the post ↗

• “We paid 220,000 zł, now we cannot even put a shovel in”

  Worth reading because the buyers found both illegal fill and a gas pipeline after buying the plot.

  Interwencja PolsatRead the post ↗

• “We bought a segment, then access meant paid służebność”

  Useful thread because it shows how a private access road can create costs after the purchase.

  SpecPrawnik.plRead the post ↗

• “After buying my MPZP plot, I found the house must sit 0.5 m up.”

  Useful discussion because it shows the MPZP rules on site level and roof direction to read first.

  Wykop.plRead the post ↗

• “I bought a lakeside plot, then learned Natura 2000 blocks me”

  You’ll see which planning and Natura 2000 checks matter before buying a recreational plot.

  SpecPrawnik.plRead the post ↗

20% down, a PESEL, translations and no state subsidy left

• “The bank cut my loan and raised my own cash to PLN 145k”

  Useful discussion because it shows how final bank approval can change the required down payment.

  Wykop.plRead the post ↗

• “I applied in September, but the bank still has not decided.”

  You'll learn what happens to a preliminary deadline when the bank still hasn't decided on the mortgage.

  Morizon BlogRead the post ↗

• “Only one bank approved me, for less than I could afford”

  You'll see why a foreign buyer should test several banks before relying on a Polish mortgage amount.

  Onet PodróżeRead the post ↗

• “The operat valued my flat PLN 15–20k below our price”

  You’ll learn when an operat szacunkowy can force extra cash even after price is agreed.

  Wykop.plRead the post ↗

• “After eight months, my mortgage was declined as high risk.”

  Worth reading because the bank's high-risk refusal came just before closing, after months of waiting.

  RedditRead the post ↗

• “The delay forced the bank to recheck my final loan tranche”

  Useful thread because developer delay triggered a fresh bank review before the final disbursement.

  Wykop.plRead the post ↗

• “I put PLN 150,000 down, then my mortgage file hit 500 pages.”

  Interesting because a foreign buyer lists the broker, sworn translator and paperwork his loan took.

  RedditPLN 150,000 deposit at riskRead the post ↗

• “The build ran early, so my payment fell due before my mortgage.”

  You'll see why a build running ahead of schedule can pull your mortgage deadline forward.

  Wykop.plRead the post ↗

• “The bank refused us, apparently for no credit history.”

  Interesting because a buyer who repaid a Polish mortgage was refused the next one for no credit history.

  MOST MediaRead the post ↗

• “Agents told me not to come, the seller would choose cash.”

  Useful thread because a 26-year-old Warsaw buyer explains how mortgage buyers were pushed aside for cash.

  Onet WiadomościRead the post ↗

• “My developer delay pushed me past the bank drawdown year”

  You’ll see how a delayed occupancy permit can force a mortgage annex and fresh bank checks.

  Wykop.plRead the post ↗

• “I'm a self-employed single mother, and one bank refused my loan.”

  Worth reading because one bank refused a self-employed single mother and another approved her mortgage.

  Business Insider PolskaRead the post ↗

• “I was surprised he never asked which interest rate we wanted.”

  You'll see why you should state fixed or variable rate first, before an adviser models only one.

  Onet KobietaRead the post ↗

• “My first mortgage payment was PLN 100 above the schedule”

  The replies explain which loan conditions and bank timing caused the first-payment mismatch.

  Wykop.plRead the post ↗

Zadatek or zaliczka, notarial form and the conditions to include

• “My bank refusal came after my contract's refund deadline.”

  You’ll see why a mortgage-refusal condition is only useful if its evidence deadline is realistic.

  SpecPrawnik.plRead the post ↗

• “That house was being built for us, exactly as we wanted it”

  Worth reading because a 130,000 zł zadatek did not stop the same house being sold to someone else.

  Business Insider Polska130,000 zł unrecoveredRead the post ↗

• “I didn't know the woman selling me the house wasn't the owner.”

  You'll see why a private preliminary agreement should follow a KW ownership check before full payment.

  Uwaga! TVNRead the post ↗

• “I paid PLN 10k to reserve, but no loan safety was added”

  You’ll learn which loan-refusal protection this buyer tried to add before paying a larger zadatek.

  Reddit · 50+ repliesPLN 10,000 reservation feeRead the post ↗

• “I walked away when the seller refused a loan-refusal clause”

  Owners show why refusing an unsafe zadatek clause can be cheaper than gambling on bank approval.

  Reddit · 50+ repliesRead the post ↗

• “We paid PLN 10k zadatek plus PLN 4,400 to the agency”

  You’ll see what happens when personal circumstances stop a purchase after the zadatek is paid.

  SpecPrawnik.plPLN 14,400 at riskRead the post ↗

• “My bank froze the payment, so I lost my 1% deposit and the flat.”

  You'll learn how a bank freeze on a large transfer can collapse a purchase, and what the agency claimed.

  MOST Media1% depositRead the post ↗

• “I paid 11,000 PLN to reserve a flat and never got it back.”

  Worth reading because buyers explain how a middleman took reservation money that never reached the owner.

  Trojmiasto.pl11,000 PLNRead the post ↗

• “I got PLN 5k back, not the PLN 10k promised in my contract”

  You’ll learn why the exact refund promise in an umowa rezerwacyjna matters when deadlines slip.

  SpecPrawnik.plPLN 5,000 unpaidRead the post ↗

• “We paid zadatek, then the seller listed the flat again”

  The replies explain why a seller’s breach can change a simple refund into a double-zadatek claim.

  SpecPrawnik.plRead the post ↗

• “The seller’s demolition left us without the bank documents”

  Useful discussion because it shows how missing building papers can derail financing after zadatek.

  SpecPrawnik.plRead the post ↗

• “We signed for a house, then KW showed only arable land”

  You’ll see why the KW and MPZP descriptions should match the property promised before payment.

  SpecPrawnik.plRead the post ↗

• “I have no house, no project, no permit, and no zaliczka”

  Interesting because another buyer shows what can remain after paying before permits and project delivery.

  Państwo w PaństwieRead the post ↗

• “My buyer failed to get the mortgage after paying zadatek”

  You’ll see why a seller’s case still teaches buyers to tie zadatek to a clear loan condition.

  SpecPrawnik.plRead the post ↗

• “My prelim had no firm date, and seven months on I have no deed.”

  You'll learn why a zadatek with no fixed date, tied to an inheritance, can lock your deposit for months.

  Morizon BlogRead the post ↗

• “Two days before notary, I learned radiators were ordered”

  Useful thread because it shows why building/co-op notices should be checked before zadatek is paid.

  SpecPrawnik.plRead the post ↗

• “We paid zadatek before learning of the illegal demolition”

  You’ll learn which planning and access documents the buyers discovered only after paying zadatek.

  SpecPrawnik.plRead the post ↗

• “I paid PLN 30,000 zadatek, then the seller missed deadline”

  The replies explain what a buyer can claim when the seller misses the final-sale deadline.

  SpecPrawnik.plRead the post ↗

• “We paid a large zaliczka, now there is only a pile of rubble”

  You'll learn why reservation money should be tied to verifiable milestones before major site work starts.

  Państwo w PaństwieRead the post ↗

• “My bank had not decided, but the reservation was expiring”

  You’ll see why the reservation deadline and loan-refusal wording should be aligned before signing.

  SpecPrawnik.plRead the post ↗

• “I wanted to reserve, but the agent said we might auction”

  Useful discussion because it shows what can happen when multiple buyers are invited to pay zadatek.

  Wykop.plRead the post ↗

• “I signed, but the seller’s proxy details are missing”

  Worth reading because it shows which proxy details a bank may need from the preliminary contract.

  SpecPrawnik.plRead the post ↗

The deed read in Polish, the interpreter and the handover date

• “I bought the flat, but the former owner will not leave”

  You’ll see why the handover deadline needs to be explicit even after the akt notarialny is signed.

  SpecPrawnik.plRead the post ↗

• “At key handover, I found our new house in a tragic state.”

  You'll learn why the handover protocol should record condition, fixtures and damage before acceptance.

  Interwencja PolsatRead the post ↗

• “My akt notarialny and KW both show the wrong flat area”

  Useful discussion because it shows which records to compare before a wrong area reaches the akt and KW.

  Wykop.plRead the post ↗

• “My handover meter reading produced a PLN 1,800 water bill”

  You’ll see why the utility meter history should be reconciled at handover, not only recorded.

  SpecPrawnik.plPLN 1,800 billRead the post ↗

• “I'm the owner now, but the old owners stay on for a few weeks.”

  You'll learn why a Kraków buyer got ownership at closing but no keys while the old owners stayed on.

  RedditRead the post ↗

• “The tenants are supposed to move out after I sign the deed.”

  Useful thread because a buyer must sign the deed next day while the seller's tenants still live there.

  Morizon BlogRead the post ↗

• “I do not want to send the money just on someone's word.”

  You'll learn how a notarial deposit works, and why a buyer refused to wire funds days before signing.

  Morizon BlogRead the post ↗

• “We fear the house may not be handed over without occupants.”

  The replies explain how to protect full payment at the deed when occupants stay in the house for months.

  Morizon BlogRead the post ↗

• “My deed said floor nine, but they handed me floor six”

  Worth reading because the floor, unit plan and numbering conflicted across the akt and attachments.

  SpecPrawnik.plRead the post ↗

• “After the deed, the sellers wanted to keep the keys until paid.”

  The replies explain why ownership, bank payout and key handover can fall on three different days.

  Wykop.plRead the post ↗

• “My seller moved key handover until after the bank payment”

  Interesting because the seller moved key release until after the bank payment, despite earlier terms.

  SpecPrawnik.plRead the post ↗

• “We bought the house, yet trying to enter brought charges”

  You'll learn why possession and occupant status matter when buying a property through an auction sale.

  Państwo w PaństwieRead the post ↗

• “I have no guarantee that the tenants will actually leave.”

  You'll see why a first-time buyer postponed the final deed until the sitting tenants had moved out.

  Onet KobietaRead the post ↗

• “My deed said I was unmarried, though I had married abroad”

  The replies explain how a false civil-status statement in an akt can resurface years later on resale.

  SpecPrawnik.plRead the post ↗

• “We bought the flat, then the seller asked to stay two months”

  You’ll learn why the handover date and any compensation should be fixed in the final deed.

  SpecPrawnik.plRead the post ↗

• “I handed over keys without a meter handover protocol”

  Useful thread because it shows why meter readings belong in the handover protocol on key day.

  SpecPrawnik.plRead the post ↗

• “My deed said PLN 120k paid, but I was still owed PLN 200k”

  Worth reading because it shows the risk of signing an akt that states a false price or payment.

  SpecPrawnik.plRead the post ↗

2% PCC, the first-home exemption and the notary's capped fee

• “My agent revealed a 2% buyer fee only after my offer won”

  You’ll see why buyer-side commission must be confirmed before an offer is accepted, not after.

  SpecPrawnik.plRead the post ↗

• “I didn't know the notary needed 12,000 PLN in cash that day.”

  Interesting because a Warsaw buyer reached signing day not knowing the notary needed 12,000 PLN in cash.

  dev.by · 20+ repliesRead the post ↗

• “I bought the flat and forgot to report it for property tax.”

  Useful thread because owners explain the property-tax filing after a purchase and what happens if late.

  Wykop.plRead the post ↗

• “We bought our first home in 2023 and still paid the PCC”

  You’ll learn why the purchase date matters when checking whether first-home PCC was due.

  SpecPrawnik.plRead the post ↗

• “My cheap plot purchase triggered two tax-office checks”

  You’ll see why a low purchase price can trigger a tax-office review even when the price was genuine.

  Wykop.plRead the post ↗

• “My land cost PLN 4,000, the notary bill was almost PLN 1,800.”

  You'll learn which notary charges and deed copies add up on a small purchase, beyond the capped base fee.

  Wykop.plPLN 1,800 notary billRead the post ↗

• “The developer promised notary costs, then my draft said me”

  Useful thread because it shows why every fee promise should appear in the umowa przedwstępna.

  Wykop.plRead the post ↗

• “Our notary charged PCC, then said the tax was not due”

  You'll learn what to do when a notary charges PCC despite the first-home exemption applying to the deal.

  Business Insider PolskaRead the post ↗

• “I bought my first new-build and thought I was tax exempt”

  The replies explain the difference between first-home PCC relief and the annual municipal property tax.

  Wykop.plRead the post ↗

• “I bought my flat five years ago and never filed property tax.”

  Owners show how the municipal property-tax filing works after a purchase, and what happens years later.

  Wykop.plRead the post ↗

• “I filed IN-1 on ePUAP, but months later no tax was calculated.”

  You'll see how long Warsaw took to issue the property-tax decision after the IN-1 filing for a new flat.

  Wykop.plRead the post ↗

The notary's filing, and checking the seller's mortgage is gone

• “I bought the flat, but the seller's mortgage loan stayed in KW”

  The replies explain why paying the bailiff may not clear every loan secured in section IV of the KW.

  Wykop.plRead the post ↗

• “They asked us for another 68,000 zł before transfer.”

  Interesting because buyers were asked for extra money while the ownership transfer was still blocked.

  Uwaga! TVN68,000 zł requestedRead the post ↗

• “I bought the flat, but the seller’s repaid mortgage stayed”

  You’ll see which bank document is needed when a repaid seller mortgage still remains in the KW.

  SpecPrawnik.plRead the post ↗

• “We still wait for flats we paid for, while courts move slowly.”

  Worth reading because it shows how title-transfer disputes can lock paid buyers into years of litigation.

  Zero.plRead the post ↗

• “I bought with a cleared mortgage, but court refused removal”

  The replies explain how mismatched bank powers of attorney can block mortgage deletion from KW.

  Wykop.plRead the post ↗

• “I bought in Oct 2024, the court letter came only last month”

  You’ll see why a delayed KW entry can surface long after purchase and which court notice confirms it.

  Wykop.plRead the post ↗

• “I bought at auction, but old claims remained in Section III”

  Useful thread because paid creditor claims still remained in the KW after the auction purchase.

  SpecPrawnik.plRead the post ↗

• “My seller repaid the loan, but the KW still shows mortgage”

  Worth reading because the bank’s deletion consent had not arrived before this planned purchase.

  Wykop.plRead the post ↗

The developer escrow account, the DFG fund, 8% VAT and defects

• “They want another 1,000 zł per m² after we already paid.”

  You’ll see why fixed-price wording matters when a developer asks for a late construction-cost top-up.

  Trojmiasto.pl · 100+ replies1,000 zł/m² requestedRead the post ↗

• “I paid over 200,000 zł, the whole flat was 540,000 zł.”

  Worth reading because the buyer states exactly how much was paid before the project stalled.

  Interwencja Polsatover 200,000 zł paidRead the post ↗

• “My odbiór found bad windows, floors, walls and balcony glass”

  The replies explain which defects another buyer recorded during a detailed new-build odbiór.

  BudujeSie.plRead the post ↗

• “I bought in 2021, but my apartment still was not finished”

  Useful thread because buyers compare developer delays, escrow exposure and recovery options.

  Reddit · 50+ repliesRead the post ↗

• “Final measurement made my flat bigger, so I owed extra”

  You’ll see why buyers ask for the actual measurement basis when final area triggers a top-up.

  Wykop.plRead the post ↗

• “After two years of delay, my developer demanded more money”

  Interesting because a two-year delay ended with a price increase demand under the developer deal.

  Reddit · 100+ repliesRead the post ↗

• “My deweloper delayed the odbiór after I bought the flat”

  Worth reading because the buyer asks what compensation may follow a developer-caused odbiór delay.

  SpecPrawnik.plRead the post ↗

• “We bought before the first shovel, 660,000 zł mostly on credit”

  You'll see why paying before visible works makes escrow and progress checks especially important.

  Interwencja PolsatRead the post ↗

• “I thought a new flat after odbiór could not be built this badly”

  You'll learn why drainage and common areas need inspection even when the flat passes odbiór.

  Interwencja PolsatRead the post ↗

• “The developer told me all utilities were there. They weren't.”

  Worth reading because visible utility hardware did not mean water and power were connected.

  Interwencja PolsatRead the post ↗

• “My developer wants full payment before deed, without escrow”

  You'll learn why a developer may ask for payment outside escrow, and what the bank's promesa covers.

  Wykop.pl · 20+ repliesRead the post ↗

• “Our developer contract capped delay penalties extremely low”

  The replies explain why the daily penalty rate and cap matter when handover runs months late.

  RedditRead the post ↗

• “I hear every step upstairs despite promised floor insulation”

  You’ll see why buyers compare the specification with what is visible at joints after moving in.

  Wykop.plRead the post ↗

• “He told us to renegotiate the price or return the flat.”

  You'll learn why clauses on price and withdrawal matter when delivery delays outlast the original deal.

  Uwaga! TVNRead the post ↗

• “My 2024 new-build flat has unbearable sound insulation”

  Owners show which noises exposed an acoustic problem that was not obvious before moving in.

  Wykop.pl · 20+ repliesRead the post ↗

• “We paid the last transze, and they still did not finish it.”

  You’ll see why the rachunek powierniczy and release of each transza deserve close attention.

  Interwencja PolsatRead the post ↗

• “I hear my neighbour’s shower louder than my own shower”

  You'll learn the concrete noises that made this buyer question the wall construction after purchase.

  Wykop.pl · 20+ repliesRead the post ↗

• “We came for the keys, but I sank into mud at the building”

  You'll see why the promised key date should be compared with visible site progress before final payments.

  Uwaga! TVNRead the post ↗

• “My key handover passed, but occupancy approval was late”

  You'll learn how an occupancy-permit delay can push key delivery beyond the contractual date.

  ForumPrawne.orgRead the post ↗

• “We bought a new flat, then every parking space was sold”

  Useful thread because it shows why common parking promises need to be written into purchase papers.

  SpecPrawnik.plRead the post ↗

• “My developer was seven months late, then asked for a waiver”

  You’ll see why claim waivers sent just before the akt deserve separate review before signing.

  Wykop.plRead the post ↗

• “My measured new-build flat is smaller than the documents”

  Useful thread because measuring the finished flat against the documents can reveal an overpayment.

  ForumBudowlane.plRead the post ↗

• “I lost everything when the new-build walls and floors failed”

  You'll learn why serious cracks after handover should trigger an independent structural check.

  Uwaga! TVNRead the post ↗

• “I moved in, then Orange had no service in the building”

  Useful thread because it shows why promised telecom availability should be verified before closing.

  Wykop.plPLN 1,800 exit fee quotedRead the post ↗

The coming short-let register and draft community consent rules

• “My tenants blocked the sale I needed for my house deposit”

  Owners show why a fixed-term lease can delay a sale even when you give tenants months of notice.

  Wykop.plRead the post ↗

• “They paid four months, now they owe me 42,000 zł in rent”

  You'll see why tenant checks cannot replace a plan for notice and eviction when payments suddenly stop.

  Interwencja Polsat42,000 zł rent arrearsRead the post ↗

• “I bought a flat with a tenant and changed the lease terms”

  The replies explain when a new notarial enforcement statement is needed after ownership changes.

  SpecPrawnik.plRead the post ↗

• “I came back for my flat, but she says my notice is invalid”

  Interesting because written termination still left the owner fighting to recover her flat.

  Uwaga! TVNRead the post ↗

• “My tenant moved out, but the lease still ran for two months”

  You’ll learn what a surrender agreement should settle before you take back keys and re-let the flat.

  SpecPrawnik.plRead the post ↗

• “They stopped paying, while I still owe 3,000 zł each month”

  You'll see why signed termination papers do not guarantee that possession is actually returned.

  Uwaga! TVN7,000 zł rent arrearsRead the post ↗

• “My tenant quit two months before our fixed term ended”

  Useful discussion because a fixed-term lease still left the owner disputing two months of rent.

  SpecPrawnik.plRead the post ↗

• “My tenant ended the lease immediately over alleged mold”

  Worth reading because the dispute turns on prior mold reports, messages, and the date keys are returned.

  SpecPrawnik.plRead the post ↗

• “My tenant pays late every month, split into two payments”

  The replies explain when repeated late payment is still not enough to terminate a fixed-term lease.

  SpecPrawnik.plRead the post ↗

• “They stopped paying rent and then cut off my power too”

  Worth reading because the owner shows how quickly a normal lease can become a possession dispute.

  Uwaga! TVNRead the post ↗

• “My tenant underpaid rent and threw away my furniture”

  Interesting because it shows how unauthorized renovations and missing furnishings create a rent dispute.

  SpecPrawnik.plRead the post ↗

• “My tenant is seventeen rent payments behind and stays”

  You’ll see what happened after the owner terminated the lease and the tenant changed the locks.

  Uwaga! TVNPLN 50,000Read the post ↗

• “My tenant stopped paying, and I feared they would not leave”

  You'll learn why cutting utilities is risky and what to document before a lease expires with arrears.

  SpecPrawnik.plRead the post ↗

• “My tenant cut the rent by 80% and refused to move out”

  Useful thread because it shows how unilateral rent deductions and blocked repairs complicate termination.

  SpecPrawnik.plRead the post ↗

• “My new tenants paid neither the full deposit nor October's rent.”

  Owners show why an instant-termination clause may not let you simply recover keys from non-payers.

  SpecPrawnik.plRead the post ↗

• “My lease says I can move in if tenants pay utilities late”

  You’ll learn why a signed clause still cannot let an owner move in after late utility payments.

  SpecPrawnik.plRead the post ↗

• “My tenants left only after I removed the apartment door”

  You’ll see why an eviction judgment still may not recover a flat quickly from non-paying tenants.

  Uwaga! TVNRead the post ↗

• “My tenant wanted out after one month because of bedbugs”

  You'll learn why a claimed health hazard can change fixed-term exit rights and deposit handling.

  SpecPrawnik.plRead the post ↗

• “The occupant stayed after my written lease had already expired”

  The replies explain how consent can create an implied lease and why eviction may still be required.

  SpecPrawnik.plRead the post ↗