In short
For a flat at 600,000 zł a Polish notary can charge at most 1,950 zł including VAT for the sale agreement and 1,122 zł for the mortgage on a 480,000 zł loan. With the land register application that is 3,441 zł. These are maximum fees: the notary may charge less, and you can ask two or three offices for a price.
Maximum notary fee for a flat
The fees are capped by a regulation of the Minister of Justice. For the sale of a flat the notary can charge at most half of the standard rate, on both the resale and the new-build market, and for a mortgage securing a housing loan at most a quarter. Amounts with 23% VAT. Mortgage: 150% of a loan for 80% of the price.
| Price of the flat | Sale agreement | Mortgage | Total with application |
|---|---|---|---|
| 300,000 zł | 1,212 zł | 680 zł | 2,260 zł |
| 500,000 zł | 1,704 zł | 975 zł | 3,047 zł |
| 600,000 zł | 1,950 zł | 1,122 zł | 3,441 zł |
| 800,000 zł | 2,442 zł | 1,418 zł | 4,228 zł |
| 1,000,000 zł | 2,934 zł | 1,590 zł | 4,892 zł |
Without copies of the deed, the 2% tax (PCC) and court fees. The land register application costs at most 300 zł net (369 zł with VAT) since 5 November 2026.
Other deeds when you buy
- Preliminary agreement as a notarial deed: at most half of the rate, the same as the sale agreement. The cost is usually shared with the seller.
- Developer agreement: at most half of the rate, usually shared with the developer.
- House or building plot: at most half of the rate.
- Copies of the deed: at most 12 zł net per page for pages 1–10. The buyer, the seller, the bank and the court each get one.
If you do not speak Polish, a sworn interpreter must be present at the deed. Their fee is separate from the notary fee.
Frequently asked questions
Who pays the notary when I buy a flat in Poland?
Usually the buyer, unless the parties agree otherwise. On the day of the deed the notary also collects the PCC tax and the court fees for the land register and passes them on.
Can the notary charge less than the maximum fee?
Yes. The regulation sets maximum fees only. You agree the fee with the notary, and with a higher price it is worth asking two or three offices.
Is the notary fee different when I buy from a developer?
The fee for the sale agreement is the same. Before it you sign a developer agreement as a notarial deed, usually sharing its cost with the developer, and a new land register is set up for the flat.
Sources
- Regulation of the Minister of Justice on maximum notary fees, consolidated text Dz.U. 2024 poz. 1566 (ISAP, Polish)
- KredytPolska: notary fee calculator (Polish)
This guide describes general rules and typical bank practice as of October 2026. Details
It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.
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