{"id":1680,"date":"2025-06-12T13:47:50","date_gmt":"2025-06-12T13:47:50","guid":{"rendered":"https:\/\/eternel.agency\/?p=1680"},"modified":"2025-06-12T13:56:52","modified_gmt":"2025-06-12T13:56:52","slug":"%f0%9f%93%8b-jak-kupic-mieszkanie-w-krakowie-przewodnik-krok-po-kroku","status":"publish","type":"post","link":"https:\/\/eternel.agency\/en\/%f0%9f%93%8b-jak-kupic-mieszkanie-w-krakowie-przewodnik-krok-po-kroku\/","title":{"rendered":"? HOW TO BUY AN APARTMENT IN KRAKOW? STEP BY STEP GUIDE"},"content":{"rendered":"<h2 class=\"p1\">\u201cWhere to start?\u201d That\u2019s the most common question we hear. The apartment buying process can be overwhelming, especially when you\u2019re doing it for the first time. That\u2019s why we created this guide based on thousands of transactions we\u2019ve conducted.<\/h2>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><b>STEP 1: Determine your possibilities (2-4 weeks)<\/b><\/p>\n<p class=\"p1\">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\u2019s your real budget. Remember additional costs: notary (2%), PCC tax (2%), agency commission, moving. That\u2019s another 5-7% of apartment price.<\/p>\n<p class=\"p1\"><b>STEP 2: Specify what you\u2019re looking for (1 week)<\/b><\/p>\n<p class=\"p1\">List of \u201cmust have\u201d versus \u201cnice to have\u201d. Example of our recent clients:<\/p>\n<ul>\n<li class=\"p1\">Must have: 2 rooms, balcony, up to 600k, good communication.<\/li>\n<li class=\"p1\">Nice to have: parking space, elevator, basement.<\/li>\n<\/ul>\n<p class=\"p1\">Thanks to this we focused on 30 offers instead of 300. Time savings priceless.<\/p>\n<p class=\"p1\"><b>STEP 3: Viewing apartments (2-8 weeks)<\/b><\/p>\n<p class=\"p1\">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.<\/p>\n<p class=\"p1\"><b>STEP 4: Negotiations and preliminary agreement (1-2 weeks)<\/b><\/p>\n<p class=\"p1\">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 &#8211; we know what to look for.<\/p>\n<p class=\"p1\"><b>STEP 5: Loan and valuation (3-6 weeks)<\/b><\/p>\n<p class=\"p1\">Bank will send appraiser. Pray they value apartment at transaction amount. If not &#8211; problem. You must add difference or renegotiate price. Documents for bank are separate story. Certificates, statements, tax returns\u2026 Prepare for bureaucracy.<\/p>\n<p class=\"p1\"><b>STEP 6: Final agreement (1 day)<\/b><\/p>\n<p class=\"p1\">Big day! Notary, signatures, keys in hand. Emotions like at wedding. Remember cash for notary fee &#8211; paid cash or transfer day before.<\/p>\n<p class=\"p1\"><b>STEP 7: Formalities after purchase (2-4 weeks)<\/b><\/p>\n<p class=\"p1\">PCC tax within 30 days. Meter transfers. Registration with administration. Insurance. List long but doable.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><b>Typical mistakes we avoid for our clients:<\/b><\/p>\n<p class=\"p1\">Emotional decisions. \u201cLove this view!\u201d &#8211; great, but let\u2019s check installation condition too.<\/p>\n<p class=\"p1\">No due diligence. Psycho neighbor? Planned construction under window? Can check earlier.<\/p>\n<p class=\"p1\">Time pressure. \u201cSomeone else viewing too!\u201d &#8211; maybe yes, maybe no. Don\u2019t get carried away.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\"><b>Whole process? 2-4 months average. <\/b>Record is 3 weeks (cash, express action). Longest? 8 months (complicated legal situation).<\/p>\n<p class=\"p1\">In our agency we guide client through entire process. From first meeting to keys. Because buying apartment isn\u2019t transaction, it\u2019s beginning of new chapter in life.<\/p>\n<p>&nbsp;<\/p>\n<p class=\"p1\">Eternel \u2013 Estate Agency<\/p>\n<p class=\"p1\">Address: al. Jana Paw\u0142a II 58, unit 2.1, Krak\u00f3w<\/p>\n<p class=\"p1\">Phone: +48 577 707 032 (WhatsApp, Telegram)<\/p>\n<p class=\"p4\"><span class=\"s1\">E-mail: <\/span>biuro@eternel.agency<\/p>\n<p class=\"p4\"><span class=\"s1\">Website: <\/span>https:\/\/eternel.agency<\/p>\n<p class=\"p1\">? Telegram: <span class=\"s2\">@Eterneladmin<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cWhere to start?\u201d That\u2019s the most common question we hear. The apartment buying process can be overwhelming, especially when you\u2019re doing it for the first time. That\u2019s why we created this guide based on thousands of transactions we\u2019ve conducted. &nbsp; STEP 1: Determine your possibilities (2-4 weeks) Before you start viewing apartments, you need to [&hellip;]<\/p>\n","protected":false},"author":272,"featured_media":1681,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[103],"class_list":["post-1680","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\/1680","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=1680"}],"version-history":[{"count":7,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts\/1680\/revisions"}],"predecessor-version":[{"id":1693,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/posts\/1680\/revisions\/1693"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/media\/1681"}],"wp:attachment":[{"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/media?parent=1680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eternel.agency\/en\/wp-json\/wp\/v2\/categories?post=1680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}