July 2025, you’re buying your dream apartment, pay a deposit and… turns out it’s encumbered with mortgage or there’s an inheritance dispute. Nightmare? Can be avoided in 5 simple steps!
Step 1: Land Registry online (ekw.ms.gov.pl). Check: owner (matches seller?), mortgages (are they current?), claims and warnings, easements (right of way?). Cost: PLN 0, time: 5 minutes!
Step 2: Extract from KRS/CEIDG. Company selling? Check if it exists, who can sign contracts, if there’s no bankruptcy proceedings. Developer? Check history – how many investments completed.
Step 3: Development plan. At city office check: if area isn’t designated for road, if they’re not planning metro under building, if you can expand/change function. This is key for value!
Step 4: Key certificates. From cooperative/community – if there are no debts. From tax office – tax arrears. From bailiff – if there’s no enforcement. Don’t be shy to ask!
Step 5: Property history. Ask neighbors! Flood? Fire? Loud previous tenants? Planned renovations in building? District social media is a knowledge mine.
Red flags 🚩: Price much below market, time pressure (“must decide today!”), no spouse consent, power of attorney instead of owner, reluctance to show documents, offer only “cash, quickly”.
Pro tip: Hire a lawyer! PLN 1500-3000 is nothing compared to risk of losing PLN 500,000. Good lawyer will find problems invisible to layperson.
📍 Eternel – Real Estate Agency
al. Jana Pawła II 58, unit 2.1, Kraków
📞 +48 577 707 032 (WhatsApp, Telegram)
📲 Telegram: @Eterneladmin