Is it better to buy or rent in Warsaw in 2025?

With mortgage rates hovering around 7-8% (WIBOR + Margin) and property prices at record highs, renting is mathematically superior. You save ~54,000 PLN/year in pure interest payments by renting.

What is the 'WIBOR Trap' in Polish mortgages?

Most Polish mortgages are variable rate, tied to WIBOR. Currently at ~5.8% + bank margin (~2%), this means you pay ~8% interest, doubling the cost of the flat over the loan term.

What are the hidden costs of buying property in Warsaw?

Buyers pay a 2% PCC tax (on secondary market), notary fees (~1%), and often a 2-3% broker commission. Total sunk costs are ~6% of the purchase price immediately.

🇵🇱 Warsaw Edition

Warsaw 2025: Why "Smart Money" Rents

⚠️ Warning: Buying in Warsaw means fighting 8% Mortgage Rates. See why the 'WIBOR Trap' makes renting the only mathematical choice for wealth building in 2025.