Author: Editor Eternel

The Nowak family faced classic dilemma. 60m² apartment for major renovation in Kazimierz for 500 thousand or new 50m² in Czyżyny for 700 thousand? They sat with us for calculations. Result was surprising.

 

Apartment for renovation seems like opportunity. 500 thousand is fair price. But let’s add costs. “Turnkey” renovation is minimum 2000 PLN/m². At 60m² comes out 120 thousand. But that’s optimistic variant.

In practice? You tear up floors – turns out installations need replacement. You plan 120, spend 180. Plus 6 months living in dust or renting elsewhere. Stress, decisions, crew control. We know this from hundreds of cases.

Clients from last year bought 70m² for renovation in Podgórze. Budget: 150 thousand. Final: 230 thousand and 9 months of nerves. “If we knew, we’d buy new” – they admit today.

But there are pluses. You renovate for yourself. Every detail to your taste. Apartments in old construction often have better proportions, higher ceilings, thicker walls. That counts.

New apartment is peace. You enter, unpack boxes, live. Zero surprises. Developer warranty, everything works. But you pay for this comfort. And often get lower quality materials than you’d choose yourself.

The Nowaks? After week of analysis chose… for renovation. Why? “We always dreamed of apartment in tenement. New block doesn’t excite us”. We helped find proven crew, realistic budget set at 180 thousand.

Our advice? If you like control, have time and nerves of steel – renovation can be adventure with happy ending. If you value peace and predictability – pay extra for new.

Key rule: to renovation budget add 50%. If you still can afford and still want – act. If not – keep looking.

 

Eternel – Estate Agency

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

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

What revolutionary trends in residential architecture are shaping the future of construction worldwide? We analyze the most interesting innovations from different continents.

SCANDINAVIA – SUSTAINABILITY PIONEER

Stockholm introduces mandatory passive buildings from 2025. New Hammarby Sjöstad 2.0 district produces 120% of needed energy through solar panels and heat pumps. Cost: 15% higher than standard, but 8-year payback.

Copenhagen tests “living buildings” – clay and straw constructions that purify air. BioCity project uses moss facades reducing CO2 by 40%.

ASIA – VERTICAL CITIES OF THE FUTURE

Singapore revolutionizes vertical living. Sky Habitat is a 38-story complex with hanging gardens on every level. Residents have access to 2,000 sqm of greenery on the 15th floor.

Hong Kong introduces micro-living: 18 sqm apartments with multifunctional furniture. Price: $8,000 per sqm, but full equipment and concierge services.

NETHERLANDS – FLOATING COMMUNITIES

Amsterdam tests Waterplein – floating district for 750 families. Buildings rise 3 meters during floods. Construction cost 30% higher, but zero flood risk.

Rotterdam builds floating pavilions from recycled ocean plastic. One pavilion = 500,000 PET bottles.

POLAND IN THE VANGUARD

Warsaw: Mennica Legacy uses photovoltaic facades generating 40% of building energy

Kraków: Fuzja is Poland’s first building with BREEAM Outstanding certification

Gdansk: Young City introduces smart apartments with IoT and voice control

THE FUTURE IS NOW

Trends for 2025-2030:

– 3D printed apartments (60% lower cost)

– Smart glass changing transparency

– Air purification systems in walls

– Modular apartments expandable vertically

 

Eternel – Estate Agency

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

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

“Why do I need an agency when there’s OLX and Otodom?” – we hear this question regularly. And we understand it. In the internet age, it seems everyone can buy or sell an apartment themselves. But can they really? Let us share a few stories from our 10 years of practice.

Story one: Negotiations that changed everything

The Kowalski family found their dream apartment in Salwator. Price? 1.2 million PLN. “Too expensive, but we fell in love” – they said. We took over. After market analysis and conversation with the owner, we discovered he was selling due to urgent cash needs. We negotiated 1.05 million PLN. Our commission? 25,000 PLN. Saved for client? 150,000 PLN. Simple math.

Story two: Disaster avoided

A young couple wanted to buy a “bargain” apartment in Czyżyny. Price 20% below market. Red flag immediately lit up for us. We checked documents – the apartment had an unpaid loan secured against it, which the seller “forgot” to mention. If they’d bought alone, they’d have a legal nightmare for years.

Story three: Time is money

A businessman from Warsaw needed to quickly sell an apartment in Kazimierz. He listed it himself. After 3 months – zero serious offers. We took over. Professional photos, targeted marketing, our client base. Sold in 3 weeks for 95% of asking price. Sometimes speed is more important than maximum price.

What do we actually do?

Market analysis – We know prices of every street, every building. We know what affects value. Recently a client wanted to overpay 80,000 PLN for an apartment “with a view”. We showed him identical one floor lower costs exactly that much less.

Network of contacts – We have clients who don’t yet know they want to buy. Owners thinking about selling. 30% of our transactions are offers that never hit the portals.

Negotiations – It’s art, not science. We know when to push, when to let go. We know psychology of both sides. On average we get 5-7% discount for buyers.

Legal protection – We work with lawyers, know the traps. Check land registries, debts, zoning plans. Boring? Yes. Crucial? Absolutely.

Time savings – Client views 5-6 selected apartments instead of 30 random ones. Doesn’t waste weekends on fruitless visits.

Emotional support – Sounds trivial? Buying an apartment is the second most stressful life moment (after wedding). We’re guides, advisors, sometimes psychologists.

What about costs?

Yes, we charge commission. Usually 2-3% of transaction value. But in 90% of cases client still comes out ahead thanks to:

– Better negotiated price

– Avoided mistakes

– Saved time

– Peace of mind

When DON’T you need an agency?

Let’s be honest. If you’re buying from family, know the market like your pocket, have time and nerves of steel – handle it yourself. We respect that.

But if you value your time, want to avoid costly mistakes and have certainty you got the best possible deal – we’re here for you.

Best compliment we’ve heard? “I thought agencies were unnecessary middlemen. Now I know it’s an investment that pays back.”

In our agency we don’t sell apartments. We help people find homes.

That’s a difference you feel in every transaction.

 

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 we showed two identical apartments in the same tenement on Dietla street. Identical size, same layout, same condition. The difference? One on second floor for 650 thousand, another on fourth for 750 thousand. That 100 thousand is the price of Wawel view.

The client stood long by the window, looking at the castle in setting sun. “It’s beautiful, but is it worth 100 thousand?” he asked. We hear this question regularly. And the answer isn’t simple.

From purely financial perspective, view is luxury. For that 100 thousand you could renovate entire apartment, buy parking space or… have 100 thousand in pocket. But market shows apartments with views sell faster and won’t get cheaper.

We checked our data from last 5 years. Apartments with “wow view” (Wawel, Vistula, city panorama) gain value on average 2-3% yearly more than those without view. After 10 years this difference might pay off.

But there’s something else. Client who bought apartment with view of Planty two years ago told us recently: “Every morning when I drink coffee looking at greenery, I know it was worth it. You can’t price this”.

On other hand, young couple chose apartment without view but 15m² larger for same price. “I prefer extra room for child than view” – husband argued. And they were right too.

Our advice? If you plan to live long, view might be worth extra payment. Daily communion with beauty has its value. If it’s investment for 3-5 years, better bet on size and location.

And yesterday’s client? Chose the view. “All my life I dreamed of apartment with Wawel view. Now or never”. Sometimes dreams are more important than calculations.

 

Eternel – Agencja Nieruchomości

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

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

une is the time when thousands of parents face the same dilemma. Their child got into university in Krakow. What now? Dormitory, rental or maybe buying a small apartment?

In our agency we help hundreds of families make this decision every year. And we know there’s no one right answer. Every family is different, every situation unique.

Dormitory seems the obvious choice. Cheap, close to university, child will meet peers. But we know the reality. Places are scarce, conditions often leave much to be desired. And prices aren’t that low anymore. In Krakow we’ll pay 600-800 PLN monthly for a double room.

Rental is a popular option. Room in student apartment costs 800-1200 PLN plus bills. Studio apartment is an expense of 1800-2500 PLN. Over 5 years of studies that’s 100-150 thousand zlotys. Money that disappears forever.

More and more parents consider a third option. Buying a small apartment. Sounds crazy? Not necessarily. Let’s do simple math. 25m² studio in Ruczaj or Czyżyny costs about 400,000 PLN. Loan payment with 20% down payment is about 2500 PLN. Same as rent.

But here’s where magic begins. After 5 years of studies the apartment remains. You can sell it, rent it out, leave it for child’s start in adulthood. Instead of 150 thousand spent on rent, we have valuable asset.

Recently we helped a family from Rzeszów. They bought 28m² in Grzegórzki. Daughter lives there, has her own place, doesn’t worry about roommates. She rents out space in second room to a friend. 800 PLN monthly covers part of payment. Parents pay less than they would for rent.

Of course, it’s not option for everyone. You need down payment, creditworthiness, trust in child. But worth considering. Especially if you plan financial support throughout studies.

Most important advice? Don’t make decision in rush. Come, let’s talk, analyze options. We’ll help find solution that fits your situation. Because nothing is more important than peace of mind about child’s safety and future.

 

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 we stood with a client on a balcony of an apartment on Dietla street. He looked at the city panorama and said something that made us think. “Ten years ago I couldn’t imagine Krakow would look so modern while preserving its character.”

He’s right. We’ve been working in this industry for a decade and observe the city’s metamorphosis every day. Zabłocie transformed from an industrial district into an innovation center. Nowa Huta attracts young artists and entrepreneurs. Bronowice expanded so much that the boundary between city and suburbs completely blurred.

But some things don’t change. Tenement houses in the center still have their unique charm. Planty remains the green heart of the city. Main Square still pulses with life in every season.

What fascinates us most is how buyer expectations change. Once only square meters and location mattered. Today they ask about energy efficiency, remote work possibilities, common spaces in the building. Young people no longer want “show” apartments. They want living space.

Prices? Yes, they’re rising. But standards and possibilities are rising too. Today for the price of an apartment from 10 years ago we get a modern apartment with underground parking, gym and roof terrace. It’s not the same quality of life.

Our work has changed too. We’re no longer just intermediaries. We’re advisors, market analysts, sometimes psychologists. We help people not just find an apartment, but understand what they’re really looking for.

Krakow 2025 is a city of possibilities. For young professionals, families, seniors, investors. Everyone finds their place here. You just need to know where and how to look. We help with this every day.

 

Eternel – Estate Agency

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

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

Warsaw, Berlin or Prague? Where does real estate investment make the most sense in 2025? We conducted a detailed analysis of three hottest markets in Central Europe.

WARSAW – DYNAMIC LEADER

• Average price per sqm: €2,700 (8% year-over-year growth)
• Mokotów and Żoliborz breaking records with prices above €3,200/sqm
• Rental yield: 4.2% annually
• New developments: over 15,000 apartments under construction
• Most expensive districts: City Center (€4,000/sqm), Mokotów (€3,500/sqm)

BERLIN – STABLE GIANT

• Average price: €6,800 per sqm (stabilization after years of growth)
• Mitte and Prenzlauer Berg – above €9,000 per sqm
• Rent regulations limit increases but guarantee stability
• Rental market: very high demand, low supply
• Foreign investors constitute 35% of buyers

PRAGUE – RISING PHENOMENON

• Average price: €4,200 per sqm (12% year-over-year growth)
• Vinohrady and Nové Město exceed €6,000 per sqm
• Highest growth potential in the region
• Rental yield: 5.1% annually
• Tech boom attracts young professionals

CONCLUSIONS

Warsaw offers highest market liquidity and financing availability. Berlin guarantees long-term investment stability. Prague has the greatest value appreciation potential but comes with higher risk.

Eternel – Estate Agency

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

📞 +48 577 707 032 (WhatsApp, Telegram)

📧 [email protected]

🌐 eternel.agency

📲 Telegram: @Eterneladmin

Walking through Krakow, it’s impossible not to notice how our city is changing.

 

Tenement houses neighbor modern office buildings, industrial lofts emerge in former factory halls, and on the outskirts estates grow that look like from Danish catalogs. What drives these changes?

Trend #1: Return to nature in the city

Latest investments in Czyżyny and Prądnik Biały are true vertical gardens. Developers compete in greening facades. River Park in Zabłocie? It’s no longer a building, it’s a living installation. Prices rise 5-10% for “green” apartments, but buyers pay willingly.

Trend #2: Scandinavian minimalism Krakow style

Bright interiors, large windows, simple lines. But with Krakow twist – reclaimed brick, recycled elements. Recently showed apartment in Dębniki where architect combined IKEA with furniture from Plac Nowy. Effect? Delightful.

Trend #3: Micro apartments with macro ideas

20m² for 300,000 PLN? In Krakow it’s reality. But it’s not a cage, it’s thoughtful space. Bed hidden in wall, kitchen in closet, office on… balcony.

Young professionals love this efficiency.

Trend #4: Revitalization with respect

Old Printing House in Podgórze, Schindler’s Factory, now Miraculum in Zabłocie. Developers understood – history sells. Preserved brick walls, cast iron columns, industrial elements. These aren’t apartments, they’re pieces of history.

Trend #5: Smart home for everyone

Heating control through app? Standard. Smart locks? Increasingly common. Even in older tenements they install smart systems. Cost? 10-15,000 PLN, but raises apartment value by 3-5%.

What surprised us in 2025?

😄 XXL balconies. After pandemic everyone wants piece of outdoor space. Apartments with 20m²+ terraces sell like hot cakes.

😊 Shared spaces. Coworkings in residential buildings, rooftop gardens, yoga rooms. Community living isn’t a dream, it’s reality.

🙂 Acoustics above all. Buyers ask about soundproofing more often than view. Developers respond – triple glazing, soundproofed walls, quiet zones.

Where are these trends most visible?

Zabłocie is laboratory of modern architecture. Every new building is experiment.

Grzegórzki combine tradition with modernity. Tenements with elevators, lofts with smart home.

Bronowice focus on space and greenery. Estates like parks, houses like in Scandinavia.

Our forecast?

In 5 years Krakow will be unrecognizable. More greenery, less concrete. More technology, but with respect for history. More small apartments, but better designed.

What does this mean for buyers?

Invest in quality, not quantity of meters. Better 40m² in energy-efficient building than 60m² in concrete monster. Look for unique projects – in 10 years they’ll be worth fortune.

In our agency we track these trends constantly. We help clients find not just apartment, but future investment. Because architecture isn’t just walls – it’s lifestyle.

 

Eternel – Estate Agency

Adres: al. Jana Pawła II 58, lok 2.1, Kraków​

Telefon: +48 577 707 032 (WhatsApp, Telegram)

E-mail: [email protected]

Strona: https://eternel.agency

📲 Telegram: @Eterneladmin

Through years of work we’ve seen everything. Transactions that ended in success, but also those that became nightmares. Today we’ll share stories of mistakes buyers most often make. Learn from others’ mistakes!

 

Mistake #1: Buying without checking neighbors

Client fell in love with apartment in Dębniki. Beautiful view of Wawel, great price. Didn’t check neighbors. After moving discovered rock band practicing until 11 PM lives above. Sold after year with 50,000 PLN loss.

Mistake #2: Ignoring zoning plan

Family bought apartment with “beautiful green view” near Ruczaj. Nobody checked zoning plan. Year later construction of 10-story block began under window. Apartment value dropped 15%.

Mistake #3: Emotional decisions

“This must be THE apartment!” – we often hear. Couple so fell in love with loft in Zabłocie, they made offer without negotiation. Overpaid 80,000 PLN. Emotions are worst advisor in real estate.

Mistake #4: Saving on experts

Client didn’t want to pay lawyer for document check. “I’ll manage myself”. Turned out seller had debts, unpaid mortgage on apartment. Legal battle lasted 2 years.

Mistake #5: No technical inspection

Young couple bought “apartment for renovation” in Krowodrza. Didn’t do inspection. After removing wallpaper discovered mold on half the wall. Removal cost: 40,000 PLN.

Mistake #6: Not reading developer agreement

Buyers didn’t read that price doesn’t include parking space. “We thought it was included”. Additional cost: 45,000 PLN. Always read fine print!

Mistake #7: Bad transaction timing

Sold their apartment before finding new one. Time pressure made them buy first available. Overpaid and regret to this day. Planning is fundamental.

Mistake #8: Underestimating renovation costs

“30 thousand will be enough” – they said. Final renovation cost of 50m² in Grzegórzki? 85,000 PLN. Always add 50% buffer to planned budget.

Mistake #9: Buying “investment” apartment without analysis

Businessman bought 3 studios in Czyżyny counting on easy profit. Didn’t analyze local rental market. Apartments stand empty 3-4 months yearly. ROI instead of 6% comes out 2%.

Mistake #10: Believing in “deal of lifetime”

“Only today this price!” – classic. Client fell for pressure. Bought apartment 20% below market. Reason? Stench from restaurant on ground floor he “didn’t notice” during viewing. No free lunches.

In our agency we protect clients from these mistakes. We have checklists, procedures, experience. Because every mistake you avoid is money saved and nerves preserved.

Worst mistake? Thinking “it’ll work out somehow”. In real estate doesn’t work that way. Here preparation, analysis and cool head count.

 

Eternel – Estate Agency

Adres: al. Jana Pawła II 58, lok 2.1, Kraków​

Telefon: +48 577 707 032 (WhatsApp, Telegram)

E-mail: [email protected]

Strona: https://eternel.agency

📲 Telegram: @Eterneladmin

“Where to start?” That’s the most common question we hear. The apartment buying process can be overwhelming, especially when you’re doing it for the first time. That’s why we created this guide based on thousands of transactions we’ve conducted.

 

STEP 1: Determine your possibilities (2-4 weeks)

Before you start viewing apartments, you need to know what you can afford. Recently we helped a family that spent 3 months viewing apartments for 800,000 PLN, only to discover the bank would give them maximum 500,000 PLN loan. Frustration and wasted time. Go to a bank or credit advisor. Check creditworthiness. Add savings. That’s your real budget. Remember additional costs: notary (2%), PCC tax (2%), agency commission, moving. That’s another 5-7% of apartment price.

STEP 2: Specify what you’re looking for (1 week)

List of “must have” versus “nice to have”. Example of our recent clients:

• Must have: 2 rooms, balcony, up to 600k, good communication.
• Nice to have: parking space, elevator, basement.

Thanks to this we focused on 30 offers instead of 300. Time savings priceless.

STEP 3: Viewing apartments (2-8 weeks)

On average our clients view 8-12 apartments before decision. Advice: take photos, note impressions. After 5th apartment everything blurs together. Look not just at apartment but area. Visit at different times. That charming place near Kazimierz might be nightmare on Friday night.

STEP 4: Negotiations and preliminary agreement (1-2 weeks)

Found dream apartment? Time to negotiate. In June 2025 market favors buyers. On average we get clients 3-5% discount. Record? 12% on apartment that was on market 8 months. Preliminary agreement is security. You pay usually 10% of price. Check legal status, land registry, utility arrears. Here our help invaluable – we know what to look for.

STEP 5: Loan and valuation (3-6 weeks)

Bank will send appraiser. Pray they value apartment at transaction amount. If not – problem. You must add difference or renegotiate price. Documents for bank are separate story. Certificates, statements, tax returns… Prepare for bureaucracy.

STEP 6: Final agreement (1 day)

Big day! Notary, signatures, keys in hand. Emotions like at wedding. Remember cash for notary fee – paid cash or transfer day before.

STEP 7: Formalities after purchase (2-4 weeks)

PCC tax within 30 days. Meter transfers. Registration with administration. Insurance. List long but doable.

 

Typical mistakes we avoid for our clients:

Emotional decisions. “Love this view!” – great, but let’s check installation condition too.

No due diligence. Psycho neighbor? Planned construction under window? Can check earlier.

Time pressure. “Someone else viewing too!” – maybe yes, maybe no. Don’t get carried away.

 

Whole process? 2-4 months average. Record is 3 weeks (cash, express action). Longest? 8 months (complicated legal situation).

In our agency we guide client through entire process. From first meeting to keys. Because buying apartment isn’t transaction, it’s beginning of new chapter in life.

 

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

“I’ll buy an apartment and it will pay for itself from rent!” We hear this sentence several times a week. We always answer: it’s possible, but the devil is in the details. Time for an honest talk about investing in rental apartments. We haven’t been running this agency just since yesterday. We’ve seen successes, but also spectacular failures. Today we’ll share what experience and hundreds of transactions have taught us.

Case study #1: Success

Client bought in 2019 35m² in Grzegórzki for 380,000 PLN. Rent: 1,800 PLN. After 5 years apartment worth 520,000 PLN, rent 2,200 PLN. ROI from appreciation and rent? Over 15% annually. But…

Case study #2: Failure

Another client, 2021, 50m² in Czyżyny for 650,000 PLN on credit. Planned rent: 2,800 PLN. Reality? Searched for tenants for 6 months, lowered to 2,200 PLN. Loan payment: 3,200 PLN. Monthly top-up: 1,000 PLN.

Where’s the difference? Timing, location, financing. First bought cash before price boom, second at market peak with credit leverage.

Krakow realities June 2025:

Average rental yield is 4-5% gross. After deducting tax, management, renovations, 3-3.5% net remains. With mortgage at 6% you’re in minus. Counting on appreciation? Long-term probably yes, but short-term anything can happen.

Best locations for investors:

University areas (AGH, UJ) guarantee constant demand. Grzegórzki, Krowodrza, Ruczaj are sure bets. But competition huge, owners often lower prices.

Office buildings = corporate employees. Zabłocie, Quattro Business Park, around Rondo Mogilskie. Stable tenants, higher prices, less rotation.

Nowa Huta and Bieżanów are dark horses. Lower purchase prices, growing demand, appreciation potential. But you must hit specific location.

Traps nobody talks about:

Rental vacancies. Average 1-2 months yearly apartment stands empty. That’s 8-15% less income. Hidden costs. Washing machine replacement, painting, minor repairs. Minimum 2,000 PLN yearly. Problematic tenants. Once every few years you’ll hit a nightmare. Damage, unpaid bills, eviction. Stress priceless. Taxes growing. Flat tax 8.5% for income up to 100k, then 12.5%. With several apartments you’ll quickly exceed threshold.

Our advice?

If you have cash and patience, rental apartment can be good investment.

But it’s NOT passive income. It’s business requiring time, knowledge, nerves.

Alternatives? REITs, corporate bonds, ETFs. Less hassle, similar returns. But without that satisfaction of owning “your own” property.

In our agency we help investors realistically assess profitability. We don’t sell illusions, only hard numbers and honest advice. Because it’s better to resign before purchase than regret after.

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

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