In our agency we daily meet young people with a spark in their eyes and a dream of their own four walls. “Is it even possible?” they ask, looking at prices. Our answer always is: YES, but you need to be smart.
Recently we helped a couple, both 27 years old, first year after wedding. Combined earnings: 12,000 PLN net. Savings: 80,000 PLN. Dream: own apartment before thirty. Challenge accepted!
First lesson: forget about the center. Old Town, Kazimierz, Krowodrza are beautiful districts, but with a budget of 500,000 PLN you’ll find maximum 30m² there. Do you really want to start adult life in a studio for half a million?
We showed them an apartment in Czyżyny. 52m², two rooms, balcony, parking space. Price: 520,000 PLN. “But it’s far!” they said initially. We went together by tram to center. 18 minutes. Is that really so much?
Nowa Huta still raises controversy, but young people increasingly see its potential. 60m² apartment for 490,000 PLN? That’s reality. Add planned metro, revitalization, growing number of cafes and pubs. In 5 years those who bought today will be laughing.
Bronowice Małe and Wielkie are the golden mean. Good communication, new estates, infrastructure. 50m² costs about 550,000 PLN. More expensive than Nowa Huta, cheaper than Ruczaj.
What about the loan? With earnings of 12,000 PLN and down payment of 100,000 PLN, you can count on about 492,000 PLN loan. Payment? About 3,000 PLN. That’s 25% of your income, so safe.
Our golden rules for first apartment:
Location is important, but size more important. Better 50m² in Bieżanów than 30m² in Salwator.
Don’t fear older construction. An 80s block after thermal modernization can be better than new developer with thin walls.
First apartment doesn’t have to be last. It’s a springboard, not final destination.
Negotiate! In June 2025 market favors buyers. Owners are more flexible than a year ago.
The couple we mentioned? Bought 55m² in Mistrzejowice for 492,000 PLN. Owner agreed to 15,000 PLN discount. Moving in August. “Not perfect” they say “but ours!”.
In our agency we specialize in helping young people. We remember how it is to start. That’s why we patiently search, negotiate, advise. Because everyone deserves their place on earth.
Looking for first apartment?
Eternel – Estate Agency
Address: al. Jana Pawła II 58, unit 2.1, Kraków
Phone: +48 577 707 032 (WhatsApp, Telegram)
E-mail: [email protected]
Website: https://eternel.agency
📲 Telegram: @Eterneladmin