When purchasing a building plot, we can use a mortgage loan. However, it is worth remembering that we take out a loan for a plot from the same bank where we plan to take out a loan to build a house. This makes the procedure much easier. In the event of changes, it is faster to implement, which affects costs. We choose a bank that is flexible when it comes to paying out tranches. If this is your first time, it is worth contacting a trusted credit advisor who will help you dispel any doubts about the entire process.

Is it worth taking a specialist with you, e.g. a property appraiser, building inspector, construction worker with many years of experience?

Once we have negotiated with the seller, it is time to verify the documents and determine whether we are buying for cash or on credit. It is worth preparing some kind of document/minute of agreement. You can imagine a simple list of things to accomplish, which are intended to facilitate the entire process of signing a preliminary agreement and then a final agreement (act). The principle "prevention is better than cure" should be applied here.

Buying an apartment is a big challenge for someone who is doing it for the first time. It doesn't matter whether you are buying for yourself, for rent or as an investment. It is worth making an informed choice.

You must be wondering how to do all this? A good piece of advice is to try to do things that require a lot of time in stages and divide them into easier-to-implement processes. Clearing a plot of land is a common procedure nowadays. In the regulations, and more precisely on the basis of the Act on the Protection of Agricultural and Forest Land, it is defined as a change in the intended use of agricultural or forest land for other purposes by changing the Local Development Plan or adopting a plan for this area. Taking into account that plots outside urban areas are often forest plots, you should consider whether the peel is worth the layette... If we have a local spatial development plan (MPZP) in a given area, this plan clearly defines the area and its purpose.

I think most of us have heard about municipal premises, TBS or condominiums. As you probably guessed, you cannot buy this type of premises from the person living in it, because this person does not have the ownership rights to the premises.

Have you ever wondered what necessary documents are required to sell real estate? After reading this article, you will surely know. In Poland, the sale of real estate is a legal act carried out by a person of public trust, such as a notary. Conducting a real estate sale transaction requires the seller to submit documents to the buyer and then submit them to a notary proving that the seller is the owner of the property he wants to sell.

The land and mortgage register is a publicly available document describing the condition of real estate. Before signing the preliminary contract, it is mandatory to check the Land and Mortgage Register. Ask the owner for the book number, then enter the abbreviation EUKW - Electronic Land and Mortgage Registers in the search engine and open this page in your browser, then enter the number provided by the property owner.

If you want to negotiate the price of a property, you need to know its advantages and disadvantages.

Do you realize what costs you incur in connection with... operation of your apartment? Do you know what actions you can take to reduce your bills? In this article, we will try to tell you several ways to reduce the costs of maintaining your property.