Who pays notary fees when buying a flat and how much are they?

Buying a flat in Gdynia is not only the price of the property shown in the advertisement. In addition to the value of the property, you need to take into account the associated costs, i.e. notary's fee, VAT on taxation, PCC tax 2% (on the secondary market), as well as court fees for entry in the land register and the possible establishment of a mortgage with a loan. Many people only find out at the stage of finalising the transaction who actually bears the costs of the deed and how much they are. We explain this step by step.

For security and peace of mind, it is a good idea to consult the entire cost estimate before signing the contract - this will help intermediary or experienced estate agency. This will help you avoid surprises and better budget for finalising your purchase.

Who pays notary fees when purchasing a flat?

As a general rule, the costs of the notarial deed for the sale contract are borne by the buyer. It is he who finances the drafting of the transfer deed, the PCC 2% (on the secondary market) and the court fees associated with the registration of the ownership right in the land register. In practice, this means that with a transaction such as a buying a flat in Gdynia it is the buyer who pays most of the notary's fees. However, the parties can agree on a different division of the fees - it all depends on the content of the contract and the arrangements between the seller and the buyer.

Most often, notarial costs include:

• notary's fee (notary's remuneration),
• PCC tax 2% - when purchasing on the secondary market,
• court fee for entry in the land and mortgage register (PLN 200),
• the cost of copies of the notarial deed,
• Mortgage origination fee (for a loan).

With the support of an experienced intermediary the client receives a detailed breakdown of all costs even before the deed is signed. Professional estate agency It also helps to verify the contract provisions and estimate the full transaction costs to avoid unforeseen expenses.

How much are notary fees in 2024?

The amount of notary's fee for buying a flat in Gdynia depends on the value of the property and is determined by the maximum rates in the regulation of the Minister of Justice, so the notary's costs increase in proportion to the price of the property. To the costs of the notarial deed VAT has to be added, and on the secondary market also the PCC 2% and the fee for registration in the land register, which has a real impact on the total transaction costs.

What does the notary's fee depend on?

• value of the property,
• type of market (primary or secondary),
• the need for a mortgage in the case of a mortgage loan.

On the secondary market, an additional cost is the PCC tax of 2% of the flat price. When buying from a developer, PCC is not applicable as VAT is included in the price.

Examples of costs when buying a flat

Cost element	Secondary market	Primary market	Who pays?	Approximate height
Notary's fee	YES	YES	Most buyers	dependent on the value of the property (according to the Regulation)
VAT on taxis (23%)	YES	YES	Buyer	23% on notary's fee
PCC tax 2%	YES	NO	Buyer	2% property values
Registration of ownership in the land register	YES	YES	Buyer	PLN 200
Registration of a mortgage in the Land Registry (for a loan)	YES	YES	Buyer	PLN 200
Tax on the creation of a mortgage	YES	YES	Buyer	PLN 19 (capped mortgage)
Copy of the notarial deed	YES	YES	Buyer	approx. 6-20 zł per page
Fee for power of attorney (if applicable)	YES	YES	The granting party	17 zł

In practice, the total notarial and court costs when buying a Gdynia flat can amount to several to several thousand zlotys - depending on the price of the property and the method of financing.

How to mitigate risk and not overpay?

Buying a property is one of the most important financial decisions, especially when it comes to buying a flat. It is therefore worthwhile before signing the deed:

1. carefully examine the provisions of the contract the preliminary agreement and the sales contract,

2. check legal status and the contents of the land register,

3. estimate the full transaction costs, including notary's fee, PCC and court fees,

4. take advantage of support experienced real estate agent.

Professional estate agency helps not only to find the right flat, but also to verify the documentation, estimate the costs of the notarial deed and safely guide the client through the entire process - from price negotiation to transfer of ownership.

Can notarial costs be reduced when buying a flat?

The maximum notary fee is set out in a decree of the Minister of Justice, but the notary may apply a rate lower than the statutory maximum. In practice, in a transaction such as buying a flat in Gdynia it is possible to negotiate the cost of the notary, especially if the value of the property is high. It is worth remembering that the total costs of the notarial deed also include VAT, PCC (in the secondary market) and court fees, so analysis of the full transaction costs is crucial. Experienced estate agent can help you estimate all the fees when buying a flat and identify the most favourable formal solution.

FAQ - Frequently asked questions

1. who pays the notary when buying a flat?

In practice, the costs of the notarial deed, the PCC tax and the registration in the land and mortgage register are most often borne by the buyer. However, the parties may agree on a different division of costs in the contract.

2. how much does a notary cost when buying a flat?

The notary's fee depends on the value of the property and is regulated by law. VAT 23% and fees for copies of the notarial deed must be added to the cost.

3. how much is the PCC when buying a flat?

In the secondary market, the PCC tax amounts to 2% of the property value. When buying a flat from a developer, PCC tax is not applicable.

4 What are the additional costs when buying a flat?

In addition to the price of the property, the notary's fee, the PCC tax (if applicable), the registration in the land registry and - in the case of a loan - the establishment of a mortgage must be taken into account.

5. does the buyer pay for the registration in the land register?

Yes, the court fee for registration of ownership in the Land and Mortgage Register is PLN 200 and is usually covered by the buyer.