What costs, besides interest, are associated with a mortgage?

A mortgage involves a range of non-interest costs. The most significant include:

• Loan origination fee (if applicable) (prowizja banku) – typically 1–2% of the loan amount.
• Real estate agency commission (if applicable) (prowizja biura nieruchomości)– 0–4% of the transaction value.
• Notary fees for preliminary/developer/reservation agreements.
• Notary fees for property transfer deed – for properties priced between PLN 60,000 and 1,000,000, the maximum notary fee is PLN 1,010 + 0.4% of the amount exceeding PLN 60,000 + VAT. On the secondary market, the notary may also charge a 2% civil law transaction tax (PCC) on the purchase agreement, unless exempted (e.g., first property purchase).
• Insurance premiums – including property insurance, life insurance, or unemployment insurance.
• Property valuation (appraisal) – PLN 500–1,000.
• Inspection fees (for construction projects) – PLN 150–300.
• Court fee for mortgage registration – PLN 200.
• Mortgage registration tax – PLN 19.
• Court fee for registering the bank’s mortgage – PLN 150.

These costs should be factored into the total budget, as they can significantly impact the overall expense of obtaining a mortgage.