Polish real property marketplace in 2025 it has been on the verge of 1 of the biggest reforms in a decade. Announced by Ministry of improvement and Technology changes in presentation housing prices means the end of existing practices, which over the years mislead customers and gave developers a negotiating advantage. This. fundamental transformation can permanently change the rules of the game on the primary marketplace and lead to more fair and transparent transactions.
For years, developers have been tempted by the price “from” per square metre – frequently without taking into account the costs of parking space, accommodation unit, share in common parts or finishing standard. In practice, it appeared that the real cost of purchasing the flat was up to 10-20% higher than presented in marketing material. Now it's gonna stop. The fresh rules will oblige sellers to indicate the full final price of the property – including all mandatory costs.
The change will be mandatory and applies not only to online announcements, but besides to printed materials, developer websites and offers presented by sales offices. It will no longer be possible to hide the "additional costs" as supposedly optional additives – if something is required to usage the premises, it must be clearly included in the price.
Hidden War on the Client: Who loses, who gains?
For buyers, it's a breakthrough that can save thousands of gold. Consumers will yet see how much the flat truly costs. This besides means No more dubious promotional offersIn which an apparent chance proved to be a financial trap.
For developers, it's a violent collision with reality. Especially for those who built their marketing advantage at low start prices. From now on, will gotta compete with quality, location and functionality – not manipulation.
But that's not all. The improvement besides requires a clear definition of the finishing standard. kind formulations ‘development position plus’ is ‘turnkey’ they will should be defined in writing – with an accurate description of what they contain and what is excluded. This will destruct misunderstandings which have led to litigation, complaints and disappointments of buyers so far.
Importantly, this change has broad political support – both the ruling coalition and the opposition, which guarantees its fast implementation. In the background, there is another possible catalyst for change – NBP announced interest rate reductions.
New reality: little manipulation, more credit?
Interest rates in Poland The housing marketplace has been effectively hampered since 2022. advanced credit instalments have made the creditworthiness of the average household fall even by 30-40%which led to a stagnation of sales and a halt to investment.
Now NBP president Adam Glapiński signals readiness to mitigate monetary policy. According to marketplace analyses, a simplification of the mention rate of 1 percent point can increase household credit capacity by up to 10–15%. This is simply a immense chance for the marketplace – but besides a challenge.
Increased access to credit means more buyers. But with the fresh price regulation, you're going to have quite a few buyers. more aware and little prone to marketing manipulation. Developers will no longer be able to juggle additional costs or soap their eyes with “promotions” without cover. The marketplace will become more transparent, but besides more competitive.
Price stability: eldorado end signal
Data from the real property marketplace clearly show: prices of apartments in Poland in 2025 slowed down. In the major cities, the situation is as follows:
- Warsaw – average price: 15,000 PLN/m2
- Kraków and Wrocław – about 13,000 PLN/m2
- Gdansk, Poznań, Łódź – between 11,000 and 12,000 PLN/m2
It's an effect. reaching the limits of price acceptability by purchasers. The dwellings ceased to be a good easy accessible, even for the mediate class. Now that a legislative wave is coming to force developers to be honest and at the same time it is possible to improve society's creditworthiness, we can anticipate a more sustainable market.
However, this does not mean returning to dynamic price increases. On the contrary – economists foretell greater force to keep or even adjust rates downwards, especially in the investment housing section and on the outskirts of large agglomerations.
Developers who neglect to adapt to the fresh reality may fall out of the market. Those who already invest in quality, energy efficiency, flexible housing systems and modern technologies will gain value. The real currency will be consumer confidence – not a catchy slogan.
Transparency can revolutionise the secondary market
Although legislative changes include the primary market, their effect may become wider – on the secondary market. If customers have a full image of the prices and costs of buying fresh apartments, they can start comparing offers more consciously from the secondary market, which in turn will make the valuation of older properties more rational.
It can halt speculative price bubbles, which we observed from 2021 to 1923, erstwhile second-hand housing prices increased even by 30-40% in any locations, without justification in their real useful value.
It is besides crucial that the macroeconomic context: stable labour marketplace situation, gradual decline in inflation and average wage growth make solid foundations for the healthy improvement of the housing market. But only if it is based on fair, transparent and sustainable sales policy.
The fresh era of the real property marketplace is coming
Changes in law, which will come into force in the coming months, are not cosmetic – this fundamental improvement of the relation between the developer and the buyer. Developers must prepare for a fresh reality in which not adequate good visualization and low price “from metro”to sale the investment. Customers will request specifics, full cost estimates, clear contractual records and real value.
This is the beginning of an era of price manipulation and marketing grips. The marketplace is professional and those who do not comply will be brutally verified by consumers. Changes are inevitable – and good. Because only a transparent, honest marketplace gives a chance to make – not just the industry, but the full society.
Continued here:
House prices are down. fresh law takes on developers
