{"id":1569,"date":"2025-06-11T14:46:06","date_gmt":"2025-06-11T14:46:06","guid":{"rendered":"https:\/\/eternel.agency\/uk\/?p=1569"},"modified":"2025-06-12T07:30:12","modified_gmt":"2025-06-12T07:30:12","slug":"%f0%9f%92%b0-mieszkanie-na-wynajem-w-krakowie-zlota-zyla-czy-pulapka","status":"publish","type":"post","link":"https:\/\/eternel.agency\/en\/%f0%9f%92%b0-mieszkanie-na-wynajem-w-krakowie-zlota-zyla-czy-pulapka\/","title":{"rendered":"? APARTMENT FOR RENT IN KRAKOW: GOLD MINE OR TRAP?"},"content":{"rendered":"

\u201cI\u2019ll buy an apartment and it will pay for itself from rent!\u201d We hear this sentence several times a week. We always answer: it\u2019s possible, but the devil is in the details. Time for an honest talk about investing in rental apartments. We haven\u2019t been running this agency just since yesterday. We\u2019ve seen successes, but also spectacular failures. Today we\u2019ll share what experience and hundreds of transactions have taught us.<\/p>\n

\"\"<\/p>\n

Case study #1: Success<\/b><\/p>\n

Client bought in 2019 35m\u00b2 in Grzeg\u00f3rzki 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\u2026<\/em><\/p>\n

Case study #2: Failure<\/b><\/p>\n

Another client, 2021, 50m\u00b2 in Czy\u017cyny 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.<\/em><\/p>\n

Where\u2019s the difference? Timing, location, financing. First bought cash before price boom, second at market peak with credit leverage.<\/p>\n

Krakow realities June 2025:<\/b><\/p>\n

Average rental yield is 4-5% gross. After deducting tax, management, renovations, 3-3.5% net remains. With mortgage at 6% you\u2019re in minus. Counting on appreciation? Long-term probably yes, but short-term anything can happen.<\/p>\n

Best locations for investors:<\/b><\/p>\n

University areas (AGH, UJ) guarantee constant demand. Grzeg\u00f3rzki, Krowodrza, Ruczaj are sure bets. But competition huge, owners often lower prices.<\/p>\n

Office buildings = corporate employees. Zab\u0142ocie, Quattro Business Park, around Rondo Mogilskie. Stable tenants, higher prices, less rotation.<\/p>\n

Nowa Huta and Bie\u017can\u00f3w are dark horses. Lower purchase prices, growing demand, appreciation potential. But you must hit specific location.<\/p>\n

Traps nobody talks about:<\/b><\/p>\n

Rental vacancies. Average 1-2 months yearly apartment stands empty. That\u2019s 8-15% less income. Hidden costs. Washing machine replacement, painting, minor repairs. Minimum 2,000 PLN yearly. Problematic tenants. Once every few years you\u2019ll 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\u2019ll quickly exceed threshold.<\/p>\n

Our advice?<\/b><\/p>\n

If you have cash and patience, rental apartment can be good investment.<\/p>\n

But it\u2019s NOT passive income. It\u2019s business requiring time, knowledge, nerves.<\/p>\n

Alternatives? REITs, corporate bonds, ETFs. Less hassle, similar returns. But without that satisfaction of owning \u201cyour own\u201d property.<\/p>\n

In our agency we help investors realistically assess profitability. <\/b>We don\u2019t sell illusions, only hard numbers and honest advice. Because it\u2019s better to resign before purchase than regret after.<\/p>\n

Eternel \u2013 Estate Agency<\/p>\n

Address: al. Jana Paw\u0142a II 58, unit 2.1, Krak\u00f3w<\/p>\n

Phone: +48 577 707 032 (WhatsApp, Telegram)<\/p>\n

E-mail:\u00a0<\/span>biuro@eternel.agency<\/p>\n

Website:\u00a0<\/span>https:\/\/eternel.agency<\/p>\n

? Telegram:\u00a0@Eterneladmin<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cI\u2019ll buy an apartment and it will pay for itself from rent!\u201d We hear this sentence several times a week. We always answer: it\u2019s possible, but the devil is in the details. Time for an honest talk about investing in rental apartments. We haven\u2019t been running this agency just since yesterday. We\u2019ve seen successes, but […]<\/p>\n","protected":false},"author":272,"featured_media":1570,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[103],"class_list":["post-1569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts\/1569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/users\/272"}],"replies":[{"embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/comments?post=1569"}],"version-history":[{"count":18,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts\/1569\/revisions"}],"predecessor-version":[{"id":1613,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts\/1569\/revisions\/1613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/media\/1570"}],"wp:attachment":[{"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/media?parent=1569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/categories?post=1569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}