Buying a flat — walk the process step by step
The biggest transaction of your life deserves order. Six steps — from upfront cash to an overpayment strategy.
Compute the upfront cash
The down payment isn't everything: PCC (unless it's your first home — then exempt), notary, court. See the full amount and how many months to save it.
Compute cash needed →Check your borrowing capacity
The bank's method (DStI, KNF buffer) — with a realistic range instead of one number, and hints to raise it.
Compute capacity →Compute the instalment and total cost
Equal or decreasing instalments, APR, rate scenarios — know the numbers before talking to a bank.
Compute the instalment →A foreigner? Check the conditions
Residence card, income, down payment and the MSWiA permit question — a guide to what banks really check.
Read the guide →Compare offers and apply
Apply to 2–3 banks in parallel and leave a realistic loan deadline in the preliminary agreement.
See loan offers →After the purchase: an overpayment strategy
Shortening the term beats cutting the instalment 2–3×. Plan overpayments from year one.
Compute overpayment →