Resale market: buying, renting, investing
Second-hand flats, assignments of developer agreements and flats to rent. For investment flats we show the full cost breakdown, not promises.
We publish listings only under an agency agreement with the owner. We present current offers after a short conversation — tell us what you are looking for.
Selling or letting a flat? Write to us
For sale
Second-hand flats: blocks of flats, tenement houses, apartment buildings. Before the preliminary agreement (umowa przedwstępna) we will go through the land and mortgage register (księga wieczysta), a certificate of no arrears from the housing community or cooperative, and the technical condition of the flat with you, and point out what to ask the seller or a lawyer.
When buying on the resale market, the buyer pays 2% civil law transactions tax (PCC), unless they qualify for the first-home exemption.
Tell us what you are looking forFlips and assignments
Flats bought and renovated by an investor (flip), and assignments of rights and obligations under a developer agreement (cesja) for a unit under construction.
We publish an assignment only once we have the developer’s written consent or written conditions. The transfer agreement is signed before a notary. We do not publish assignments of reservation agreements — such an assignment is invalid.
Tell us what you are looking forTo rent
Flats for long-term rent, usually under an occasional lease (najem okazjonalny). We show the rent separately from charges on top of rent, the deposit and the type of agreement.
The choice of tenant depends on the terms of the agreement and documents (e.g. proof of income), not on gender, nationality or origin.
Tell us what you are looking forBuy-to-let
Flats that may interest people buying to let. Each comes with a model estimate in three scenarios, starting with the cautious one. We calculate from the total outlay: price, PCC tax, notary fee and court fees and, if needed, a refresh of the flat.
We do not guarantee income or a rise in the flat’s value.
Tell us what you are looking forRenovate and resell
Flats needing renovation, with a cost breakdown: purchase with PCC tax and notary fee, renovation, upkeep of the flat during works and sale, selling costs and tax. We take the sale price from today’s asking prices for similar renovated flats — with no assumption of rising prices.
We show two scenarios: cautious (sale price 5% lower, renovation 10% more expensive and 2 months longer) and base.
Tell us what you are looking forTell us what you are looking for
District, budget, size, timing — write what you need. If we have a matching flat under an agency agreement, we will show it to you; if not, we will say so plainly.
How we publish listings
Jawno is the site of real estate agent Vladyslav Moroz. On the resale market we only present properties covered by an agency agreement. This is not an open listings portal, and we do not show every listing on the market.
Agreement first, then the listing
We publish a listing only after signing an agency agreement with the owner — on paper or with a qualified electronic signature. The agreement expressly allows us to publish the listing and photos. For an assignment, we sign the agreement with the current buyer under the developer agreement.
Documents and viewing
Before publishing, we ask the owner for a copy of the land and mortgage register (księga wieczysta) or the cooperative’s certificate, and we view the flat. The owner confirms the price and that the listing is current. We give the indicators from the energy performance certificate.
You can see who publishes
Every listing is marked “Agent’s listing” and shows the agent’s details. We do not give the building or flat number or the land register number. Listings are ordered newest first, and we do not accept payment for a higher position.
Fee in writing
The fee, and who pays it, are set out in the agency agreement. We give the amount in writing before the first viewing.
Assignments on the developer’s terms
We publish an assignment of a developer agreement after receiving the developer’s written consent or written conditions, and we show the total cost to the buyer. We do not publish assignments of reservation agreements.
Estimates without promises
For buy-to-let and renovate-to-resell flats we show a model estimate in several scenarios, gross next to net, with all costs. Our listings do not forecast price rises.
How we calculate returns
For flats to let or resell, each listing comes with a model estimate that is not guaranteed: several scenarios, gross next to net, with all costs. We calculate it according to the rules below.
Flat to let
Model buy-to-let estimate. We calculate from the total outlay: price, 2% civil law transactions tax (PCC), notary fee and court fees (assumption) and a refresh if needed. Gross: annual rent ÷ total outlay. Net: rent minus periods without a tenant, service charge, tax, management cost and repair reserve ÷ total outlay. Rental tax: flat-rate tax (ryczałt) of 8.5% of revenue up to PLN 100,000 a year and 12.5% above that (Art. 12(1)(4)(a) of the Flat-Rate Income Tax Act — ustawa o zryczałtowanym podatku dochodowym). Scenarios: cautious — rent −10%, 2 months without a tenant, reserve 1.5% of the price; base — 1 month, 1%; favourable — rent +5%, 0.5 month, 0.5%. We do not include a mortgage, changes to tax rates or changes in the flat’s value.
Flat to resell
Model renovate-to-resell estimate. The sale price is today’s asking prices for comparable renovated flats, with no assumption of rising prices; the transaction price may be lower. Outlay: purchase, 2% PCC tax, notary and court fees (assumption), renovation and renovation supervision (assumption, not a price list). Upkeep: service charge for the time of works and sale. Selling costs (incl. advertising, documents, preparing the flat): model assumption, the amount is shown in the breakdown. Tax: we assume 19% personal income tax (PIT) on income from a sale within 5 years, counted from the end of the calendar year of purchase, outside a business activity; with frequent transactions the tax office may treat them as a business activity. The percentage result is calculated against the outlay and upkeep costs, for the whole period.
These calculations are for information only and are not an offer or tax, legal or investment advice. Investing in property involves risks, including longer periods without a tenant, lower rent, a lower sale price and unexpected repairs. For tax matters, consult a tax adviser.
Want to sell or let your flat?
Tell us about your flat. Before we publish anything, we agree on the scope of our help and sign an agency agreement — it states who pays the fee and how much.
Write to usConversation and viewing
We get to know the flat, the documents and your expectations.
Agency agreement
On paper or with a qualified electronic signature.
Listing
We publish it with your consent, using your photos or ours.