Let’s say that you’re planning to buy a flat in Wroclaw for PLN 300k and you want to take a mortgage. Unfortunately, not all expenditures associated with buying an apartment can be funded by a mortgage. You will certainly have to use your savings.

This post will give you an idea of how much cash you will need to cover all the expenses. I sum up 6 types of costs of buying an apartment – most of them you cannot avoid.