Author: Editor Eternel

The capital of Lesser Poland recorded an impressive 27.7% year-on-year price increase – the highest among all Polish cities. The average transaction price has already reached PLN 14,600/m², outpacing the dynamics of other metropolises.

What’s driving this boom? Primarily the strong technology sector, which attracts young professionals from around the world. Over 150,000 students studying in Kraków create constant rental demand. Additionally, a record 12.18 million tourists in 2023 makes short-term rental investments highly profitable.

Ukrainian investors purchased 380,000 m² of real estate in Kraków in 2024, becoming the largest group of foreign buyers. This demonstrates international confidence in the Kraków market.

For comparison – commercial properties offer even higher returns: offices around 6%, and warehouses even 6.5-7% annually. Kraków leverages its strategic location, becoming a logistics hub for Central Europe.

📍 Eternel – Real Estate Agency

al. Jana Pawła II 58, unit 2.1, Kraków

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 https://eternel.agency/

📲 Telegram: @Eterneladmin

The Wiśniewskis bought dream house by Vistula in 2019. View took breath away. In 2024 water reached garage. Insurer refused payout – “flood zone”. House lost 40% value in year.

Not isolated case. Climate change stopped being abstraction. Is concrete factor in property valuation. Banks already know. We agents learn as we go.

GERMANY introduces “climate passport” for buildings. Risk assessment: floods, droughts, heat waves. Building in risk zone? Loan more expensive by 0.5-1%. Or not at all. In Bavaria 20% of properties lost value.

MIAMI is epicenter of changes. Luxury beach villas? Unsellable. Rich move inland. “Climate gentrification” – poor neighborhoods on hills become attractive. Prices rise 300% in 5 years.

In AUSTRALIA after bushfires insurers flee. Whole towns without insurance possibility. House without insurance? Bank won’t give loan. Death spiral for local markets.

NORWAY plans. Every new investment must consider climate in 50 years. Foundations deeper (permafrost melting), roofs stronger (more snow), cooling systems (heat waves). Construction cost +15%, but long-term value grows.

AND POLAND? Thousand-year flood every 10 years. Drought in Podlasie. Tornadoes(!) in Silesia. Government announces risk maps for every municipality. Developers already react – new estates advertise “climate resilience”.

In Krakow concrete changes. New estate in Ruczaj has retention tanks, green roofs, passive cooling systems. Price higher by 8%, but sells like hot cakes. People pay for safety.

INSURANCE is delayed time bomb. Policy for house in Krakow 2020: 800 PLN/year. 2025: 2,200 PLN/year. Some districts insurers don’t want at all. Without insurance no loan.

WHAT GAINS? Everything connected with “green” energy. House with heat pump, solar panels, own water retention? +15% to value. Energy certificate A? Another +10%. Passive? Can name price.

FORECASTS are brutal. By 2030, 15% of properties in Europe will lose significantly in value due to climate. But 15% will gain – those prepared. It’s biggest wealth redistribution in history.

In our agency introduced “climate audit”. Check not just legal status but climate risk. Clients initially laughed. Now thank.

Most important advice? Buying on 30-year loan, think how it’ll be in 30 years. Not how it is today. Because climate certainly won’t wait.

Eternel – Estate Agency

📍 al. Jana Pawła II 58, unit 2.1, Kraków

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

Yesterday client asked us most absurd question in our career: “Do you help with purchasing real estate in metaverse?”. Instead of laughing, we decided to research topic. What we discovered surprised us.

Republic Realm paid 4.3 million dollars for land in Sandbox (virtual world). That’s more than real villa costs in Krakow. Snoop Dogg sells virtual plots next to his virtual estate. Someone paid 450,000 USD to be his “neighbor”.

Absurd? Maybe. But JP Morgan opened branch in Decentraland. Nike, Adidas, Gucci buy virtual spaces. Facebook changed name to Meta and invests billions. Something’s happening.

In South Korea young meet in virtual apartments. Real ones too expensive, so they buy pixels. Furnish them, invite friends, organize parties. For them it’s real social space.

China went further. In Beijing can view real apartment through VR. But not about virtual tour. You buy real apartment, get its “digital twin” in metaverse. Can furnish virtually before buying real furniture.

Dubai tests “meta-transactions”. Sign purchase agreement in VR, using blockchain. Legally binding. Zero paper, zero notary. Transaction in 10 minutes instead of 10 weeks.

And investments? Data shocking. Some virtual plots gained 500% in year. But others lost 90%. Like cryptocurrencies – lottery. MetaMetric company predicts by 2030, 25% of business meetings will be in metaverse.

Skepticism understandable. We were also skeptical about internet in 90s. “Why website for real estate agency?” – they asked. Today? Without it you don’t exist.

Biggest risk? Platforms can disappear. Second Life was hot in 2006. Today? Desert. Your “property” vanishes with server. In real world land remains.

But there are real applications. Architect from Krakow designs in VR. Client “enters” apartment before construction. Changes layout, chooses materials. Savings? 30% fewer changes during construction.

In our agency testing “meta-office”. Clients from abroad can “come” to meeting. Sit in London, we in Krakow, meet in virtual office. Strange? Yes. Convenient? Very.

Will we sell virtual plots? Not yet. But can’t ignore this trend either. Maybe in 10 years client’s question about metaverse won’t be absurd?

World changing. Question is, are we keeping up.

Housing crisis affects the whole world. But each country copes differently. We collected most interesting solutions – some genius, others… controversial.

VIENNA – city where 60% of residents live in municipal apartments. And what apartments! New district Seestadt Aspern is 10,000 social apartments that look like luxury apartments. Rent? 3-7 EUR/m². How possible? City buys land, builds, manages. Profit? Zero. Goal? Housing for people.

Polish delegation was shocked. “Here municipal apartments are last resort. There it’s normality” – says official from Warsaw. In Vienna 17,000 people waiting on list. In Krakow? 3,000. Difference? Prestige and quality.

SINGAPORE went different route. 80% of residents own apartments… but not quite. HDB system is 99-year lease from state. Prices? 30-50% of market value. Catch? Must live, can’t speculate. Selling? Part of profit returns to state.

Effect? Young buy apartments at age 25. Homelessness practically doesn’t exist. Problem? Zero diversity. All blocks look identical.

BERLIN tried to freeze rents. Total chaos. Owners withdrew apartments from market. In 2020 there were 20,000 rental offers. In 2023? 5,000. Black market prices skyrocketed. Experiment ended in failure.

TOKYO surprises. City of 37 million people, and prices falling. How? Build like crazy. 150,000 new apartments yearly. Zero height restrictions, zero protection of “district character”. Effect? Studio in center for 1000 EUR/month. In London? 3000 EUR.

BARCELONA fights Airbnb. From 2028 total ban on tourist rentals. 10,000 apartments should return to market. Owners furious, residents happy. First effects? Rental prices dropped 5%.

AND HERE? New program “Mieszkanie na Start” is drop in ocean of needs. 60,000 apartments in 10 years. Singapore builds that in half year. But there are local successes. Gdynia sells plots to developers on condition: 30% apartments for city rental for 15 years.

Wrocław tests cooperatives. Group of people buys land, builds together. 30% cheaper than developer. Problem? Polish law doesn’t provide for such form. They operate in gray zone.

STRANGEST SOLUTION? Amsterdam – apartments on water. 15,000 floating homes. When land lacking, build on water. Price similar to “land” ones, but zero property tax. Legal loophole.

Every solution has pros and cons. Vienna shows state can build beautifully and cheaply. Singapore that ownership isn’t everything. Tokyo that you just need to build more.

And we? Copy bit from each, not fully understanding context. Maybe time for own, Polish way?

Yesterday’s fire in Ząbki was a real shock 😔 The entire residential complex on Powstańców street completely destroyed – roof, attic and two top floors simply ceased to exist.

Picture this: over 300 firefighters, 77 emergency vehicles and an operation lasting all night. The fire was so intense it even reached the underground garage.

This reminds us how important it is to choose property wisely. We check not just price and location, but also fire protection systems, evacuation routes and safety measures.

Safety isn’t luxury – it’s necessity. At our agency we always pay attention to this at every opportunity.

From July 1, 2025, new regulations come into force that will change real estate market. Some will make life easier, others… complicate. We prepared complete guide.

MOST IMPORTANT CHANGE: Mandatory energy certificate for EVERY transaction. No certificate? No sale. Penalty? Up to 30,000 PLN. But attention – certificate must be “new type”, including CO2 emissions. Old ones valid until end of 2025.

The Nowaks are selling apartment from 1970. Certificate showed class G (worst). Had to lower price by 50 thousand. “If we knew earlier, would have replaced windows” – they regret.

SECOND BOMB: New tax on “flipping”. Selling apartment before 2 years? You’ll pay 15% on profit. End of quick investments. Exception: first apartment, inheritance, divorce.

In Warsaw effects already visible. Investors holding sales. “I’ll wait these 2 years” – says client who bought 3 apartments in 2024. Prices short-term might drop.

GOOD NEWS: Land registry digitalization starts full speed. From July in 5 cities (Warsaw, Krakow, Wrocław, Gdańsk, Poznań) online extract in 24h. Cost? 50 PLN instead of 200 PLN. Time? 1 day instead of 2 weeks.

CONTROVERSIES: “Right of first purchase” for municipalities expanded. City can buy any apartment listed for sale at advertisement price. Has 30 days for decision. In Berlin similar regulation paralyzed market.

Here still calm. Krakow announces will use only for “bargains”. But uncertainty already affects market. Some sell privately, bypassing advertisements.

FOR LANDLORDS: End of black market contracts. New rental registration system. Every contract to office within 7 days. Don’t report? Fine up to 10,000 PLN. Plus automatic info to tax office.

POSITIVE FOR BUYERS: Extended developer warranty. From 5 to 7 years for hidden defects. Plus new guarantee fund – if developer bankrupt, state will finish construction.

WHAT ABOUT LOANS? New KNF guidelines: max 35% income for payment (was 40%). Young from Krakow already feeling. “Instead of 500 thousand we’ll get 450” – Młynarski couple complains.

CURIOSITY: From September mandatory “housing CV”. Seller must disclose EVERYTHING: flooding, renovations, neighbor problems, even past deaths in property. In France works for years, here raises controversies.

New regulations are mix of good intentions and bureaucratic complications. In our agency we help navigate this thicket. Because regulations are regulations, but people still need apartments.

Yesterday at the biggest real estate fair in London we saw the future. AI that scans apartment with smartphone and in 30 seconds gives valuation accurate to 3%. Sounds like science fiction? In Tokyo it’s already standard.

Japanese PropTech company showed system analyzing 10,000 factors. Not just size and location. AI “sees” installation condition through thermal imaging, evaluates noise through microphone, checks light quality throughout day. Accuracy? 97% agreement with traditional valuation.

In United States Zillow introduced “Instant Offers”. Algorithm values house and immediately makes purchase offer. No viewing, no negotiations. You sell in 48 hours. Price? 5-7% below market, but zero stress.

China went even further. In Shenzhen entire estate is “managed” by AI. Predicts failures, optimizes energy use, even suggests when to sell apartment for maximum profit. Residents save 30% on maintenance costs.

And Europe? Germany tests blockchain in land registries. Buying apartment in 24 hours instead of 3 months. Estonia already has it – entire process online, zero paper. Scandinavia experiments with building “digital twins” – virtual copy of every apartment with full history.

What does this mean for Poland? New regulations on land registry digitalization coming in 2026. Ministry announces “Mieszkanie+” in digital version – app will show all available social housing in real time.

In our agency we also go with the times. Virtual tours are already standard. We test AI for matching clients with apartments. System analyzes preferences and shows only what might really interest.

But will AI replace agents? We doubt it. Technology handles data great. But understanding that client says “too small” but thinks “too expensive”? That still requires human.

Biggest threat? Cybersecurity. Imagine hack of system managing thousands of apartments. In Singapore such attack paralyzed estate for week. Residents couldn’t enter own homes.

Revolution coming faster than we think. In 5 years buying apartment might look completely different. Question – are we ready?

“We viewed apartment via FaceTime at 6 AM to catch good light” – laughs Mr. Michał. With his wife they bought 65m² in Grzegórzki without being in Poland once during entire process. Madness? Maybe. But increasingly common.

In our agency 30% of clients are Poles from abroad. London, Dublin, Chicago. Returning or investing. Pandemic taught us to work remotely. Also in real estate purchase.

The Kowalskis from Berlin searched for retirement apartment. Plan: return to Krakow in 5 years. “Wait? Prices rising, euro strong. We buy now” – they decided.`

Process took 3 months. They came only for finalization.

How does it work? Technology plus trust. Virtual tours are standard. But we go further. 360-degree camera, live streaming, even drone for showing area. Client sees more than at normal viewing.

Mrs. Anna from New York: “I viewed 5 apartments virtually. At third I knew – this is it”. We measured walls at her request, checked water pressure, recorded sounds at different times. “I felt like I was there”.

Key: detailed documentation. Photos of every corner, video with sound, plans with dimensions. Mr. Tomasz from Oslo asked for film how long walk to tram stop is. We recorded with commentary.

Technical inspection? No compromises here. We hire independent inspector. 30-page report, photos of every defect. Clients from Dublin resigned from apartment after report. “Better lose deposit than buy problem”.

Negotiations? Easier than in person. Lack of emotions during virtual viewing is advantage. The Szulcs from London negotiated 40 thousand discount. “Seller didn’t see our excitement” – they admit.

Documents? Notarial power of attorney. Polish consulates handle this. Or arrival only for finalization. Weekend in Krakow, signature at notary, keys in hand.

Biggest challenge? Trust. That’s why references crucial. 80% of our foreign clients are referrals. “I bought apartment through you, didn’t see you in person, but felt safer than with agency in London” – client wrote.

Is it worth it? The Wiśniewskis bought 2 years ago from Ireland. Just moved in. “Best decision. Apartment increased 20% in value, we have our place”.

“Never again” – these were Mrs. Agnieszka’s first words after moving with 3-year-old and 6-month-old baby. But after month in new apartment in Ruczaj admits: “It was worth it. Only next time I’ll do it differently”.

In our agency we often hear: “We’ll wait with moving until children grow up”. We understand. But sometimes life doesn’t wait. End of rental agreement, job in different district, growing family in too small apartment.

The Młynarskis were moving from studio in Grzegórzki to 70m² in Prądnik. With one-year-old Hania. Their strategy? Military operation.

Week 1: Hania went to grandma. Packing things child doesn’t need daily. 70% of apartment packed before little one realized something’s happening.

Week 2: Gradual familiarization. Daily trips to new apartment “for excursion”. Showed Hania her future room. Played there. Built positive associations.

Moving day: Dad with Hania at zoo, mom with crew in apartment. Evening Hania returned to partially furnished new home. Her room 100% ready.

Key: familiar objects immediately in place. Favorite teddy, night lamp, same blanket. In sea of changes – islands of stability.

Kowalski family with two children (4 and 6 years) chose different tactic. Involved children in process. Boxes painted as “spaceships carrying treasures”. Each child responsible for their toys. Chaos? Yes. But children felt control.

Biggest challenge? Sleep. New place, new sounds. The Zielińskis slept whole family in one room for week. “Camping in new home” – that’s what they called it. Children delighted.

Pro tip from mother of three: “Unpack kitchen first. Hungry child is unhappy child. Pizza third day in row isn’t end of world”.

Our advice? Prepare “first day box”. Diapers, wet wipes, favorite food, medicines, toys. What you’ll 100% need when rest is in boxes.

And remember – children are more flexible than you think. It’s us adults who make drama from moving. For them it’s adventure. If you’re calm, they will be too.

Eternel – Estate Agency

📍 al. Jana Pawła II 58, unit 2.1, Kraków

📞 +48 577 707 032 (WhatsApp / Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

The Malinowskis lived happily in 45m² in Dębniki. Until second son appeared. “Changing baby on washing machine because nowhere to put changing table” – recalls Mrs. Ola. That was moment they understood – they need more space.

In our agency we often help families who “outgrew” their apartments. But equally often we show that problem isn’t always in square meters.

Signal 1: Lack of privacy. Clients from Krowodrza: “I work remotely from kitchen, wife from bedroom, child studies in living room. Everyone hears everyone”. 50m² for three is too little when everyone’s home all day.

Signal 2: Tetris with furniture. “To get vacuum cleaner, must move bike that blocks closet” – story from Bronowice. When life is constant rearranging, time for change.

Signal 3: Guests are logistical nightmare. The Zielińskis stopped inviting friends. In 40m² dinner for 6 is Olympic challenge. Folding table blocks passage to bathroom.

Signal 4: Things everywhere. Shoes in hallway that’s also wardrobe and pantry. Toys in bedroom because children’s room is also office. Chaos despite constant cleaning.

Signal 5: Conflicts about space. “You left books on my desk again!” – when every centimeter is someone’s, arguments guaranteed.

But attention! Sometimes problem isn’t in size but organization. We showed Nowaks project reorganizing their 60m². Multifunctional furniture, clever storage, zones instead of rooms. “It’s like new apartment” – they said after month.

Client from Kazimierz wanted to move from 55m². Came to us frustrated. Turned out 30% of space was taken by things she hadn’t used in years. After decluttering: “I have too much space!”.

When really time for bigger? When reorganization doesn’t help. When children need own rooms. When work from home is necessity, not whim. When quality of life drops despite optimization attempts.

Our advice? Before deciding to move, do audit. What really bothers? Size or organization? Sometimes home organizer for 2 thousand solves problem that seemed to require move for 100 thousand.

And if it’s time for bigger – we help find not just more meters but better quality of life.

The Wiśniewskis lived 25 years in house in Bronowice. 150m², garden, 4 bedrooms. Perfect for family with three children. Today? “We feel like museum custodians” – says Mrs. Maria. Youngest son moved out year ago.

It’s story we hear increasingly often. Parents over fifty, empty house, heating bills disproportionate to needs. And dilemma – stay or change?

In our agency we call it “rightsizing” – adjusting home to current life stage. Not downgrade, not defeat. Smart decision.

The Nowackis from Wola Justowska made it 2 years ago. Sold 180m² house for 2.5 million. Bought 90m² apartment in center for 1.3 million. The difference? “We travel, help children, live” – they say.

But it’s not just about money. It’s quality of life. Mrs. Anna from Przegorzały: “Cleaning 150m² is half of Saturday. Garden is another day. Now I have 70m² and time for myself”.

Biggest barrier? Emotions. “Here children took first steps” – we hear. We understand. That’s why we help find apartment that will be new chapter, not end of story.

Optimal size for 50+ couple? Our experience says: 70-90m². Bedroom, office/guest room, spacious living room. In center or near transport. Elevator mandatory.

Clients from Krowodrza exchanged house for apartment near Planty. “Cinema, theater, restaurants at hand. We feel like students” – they laugh. They’re 58.

Finances? Selling large house often leaves surplus 500 thousand – million. That’s capital for retirement, travels, passions. Or support for children buying first apartments.

Timing is crucial. Don’t wait until house maintenance becomes burden. Plan ahead. Market for single-family homes is good but not eternal.

Hardest moment? First weekend in new apartment. “What have we done?” – some think. Month later? “Why didn’t we do this earlier?”.

If your children flew the nest, maybe time to think about new one? Smaller, more comfortable, more “yours”?

Eternel – Estate Agency

📍 al. Jana Pawła II 58, unit 2.1, Kraków

📞 +48 577 707 032 (WhatsApp / Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

Through a few years of operation we’ve seen hundreds of moves. Chaotic, stressful, but also perfectly organized ones. What differentiates them? Plan and preparation.

Mrs. Katarzyna was moving from 90m² house in Wola Justowska to 50m² apartment in center. “I thought I’d go crazy” – she said after. But survived thanks to our checklist, which we’ll share today.

Start 8 weeks before moving out. Sounds absurd? The Kowalskis started 2 weeks before. Effect? Night packing, lost documents, damaged devices. Overpaid moving company by 3 thousand for express mode.

Week 8-6: Selection. This is hardest stage. From 90m² to 50m² you won’t move everything. Rule of three piles: keep, sell, throw away. Clients from Bronowice earned 15 thousand selling furniture they didn’t need.

Week 5-4: Moving company. Not first from OLX. Check reviews, insurance, experience. Good company costs 2-4 thousand for 50m². But worth it. Professionals pack delicate items better than you.

Week 3-2: Systematic packing. Room by room. Labeled boxes. “Kitchen – glasses” will save hours when unpacking. Photos of box contents on phone – brilliant patent from Kazimierz client.

Last week: Formalities. Registration, electricity, gas, internet. Long list but manageable. Pro tip: Do it Thursday. Friday offices are besieged.

Moving day: Survival backpack. Documents, medicines, chargers, change of clothes, toilet paper. Sounds funny? The Wiśniewskis searched for toilet paper in 50 boxes at 11 PM.

First 24 hours in new: Don’t unpack everything. Bed, bathroom, kitchen. Rest can wait. Order pizza. You deserved it.

Biggest mistake? “It’ll work out somehow”. It won’t. Chaos breeds chaos. Plan breeds calm.

In our agency we give clients complete moving checklist. 47 points that guide through process. Because selling or buying apartment is just beginning of adventure.

Eternel – Estate Agency

📍 al. Jana Pawła II 58, unit 2.1, Kraków

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin