July 2025, you’re buying your dream apartment, pay a deposit and… turns out it’s encumbered with mortgage or there’s an inheritance dispute. Nightmare? Can be avoided in 5 simple steps!<\/p>\n
Step 1: Land Registry online<\/strong> (ekw.ms.gov.pl). Check: owner (matches seller?), mortgages (are they current?), claims and warnings, easements (right of way?). Cost: PLN 0, time: 5 minutes!<\/p>\n Step 2: Extract from KRS\/CEIDG<\/strong>. Company selling? Check if it exists, who can sign contracts, if there’s no bankruptcy proceedings. Developer? Check history – how many investments completed.<\/p>\n Step 3: Development plan<\/strong>. At city office check: if area isn’t designated for road, if they’re not planning metro under building, if you can expand\/change function. This is key for value!<\/p>\n Step 4: Key certificates<\/strong>. From cooperative\/community – if there are no debts. From tax office – tax arrears. From bailiff – if there’s no enforcement. Don’t be shy to ask!<\/p>\n Step 5: Property history<\/strong>. Ask neighbors! Flood? Fire? Loud previous tenants? Planned renovations in building? District social media is a knowledge mine.<\/p>\n Red flags ?<\/strong>: Price much below market, time pressure (“must decide today!”), no spouse consent, power of attorney instead of owner, reluctance to show documents, offer only “cash, quickly”.<\/p>\n Pro tip<\/strong>: Hire a lawyer! PLN 1500-3000 is nothing compared to risk of losing PLN 500,000. Good lawyer will find problems invisible to layperson.<\/p>\n <\/p>\n ? Eternel \u2013 Real Estate Agency<\/p>\n al. Jana Paw\u0142a II 58, unit 2.1, Krak\u00f3w<\/p>\n ? +48 577 707 032 (WhatsApp, Telegram)<\/p>\n