How much money do you need to buy a flat in Poland? Experts calculated
Buying an apartment in Poland. How much singles, couples and family have to spend? Experts calculated the creditworthiness of the average Pole and indicated the prices of apartments in various cities.
A Pole buys a flat. How much does it need for this purpose? Experts from the RynekPierwotny.pl portal calculated what amount to buy an apartment can be available to average earning singles, childless couples and families with a child. The results are surprising.
How was the financial capabilities of Poles calculated?
As experts explain, analyzing the situation of a typical borrower, they assumed the assumptions that he is taking a loan for 25 years and repays it in equal installments, and that he has a 20 % covering contribution. costs of purchasing an apartment. It was also taken into account that he has an indefinite employment contract, and his creditworthiness is not reduced by other credit liabilities.
“And now the most important: every adult member of these households receives 85 % of the average monthly salary in the enterprise sector from a given city” – indicate experts in their analysis.
Based on these assumptions, analysts from the RynekPierwotny.pl portal calculated the creditworthiness of individual households, and then increased it by 20 % own contribution.
How much money is needed to buy an apartment?
The analysis brought surprising results. The maximum price of a flat can be purchased is significantly different in individual voivodship cities. A single from Bialystok will buy the cheapest apartment, and the most expensive couple from Krakow. In the first case, you need slightly above 330 thousand. PLN, and in the second – over PLN 1 million.
– Such a big difference in the maximum price of a purchase place is of course the result of a large wage discrepancy between Krakow and Bialystok. It can be explained in a similar way that Warsaw is not characterized by the highest result. The capital city in the case of remuneration in the enterprise sector has ceased to be the undisputed leader for some time – notes Andrzej Prajsnar, an expert of the RynekPierwotny.pl portal.
