Is it better to buy or rent? With us, apartments have no secrets!

Everyone who dreams of their own place faces a key dilemma: is it more advantageous to buy an apartment, or is it better to opt for renting? This question does not have a straightforward answer. The choice depends on many factors. Before making a decision, it is worth carefully analyzing both options. Below, we present the pros and cons of both solutions.

What arguments support renting an apartment?

The decision of whether it is better to buy or rent an apartment depends on various factors that are worth analyzing in detail. Long-term renting has numerous advantages, especially for those who value flexibility and independence. If you are not sure whether you want to commit to a particular city for the long term, renting allows you to avoid long-term financial obligations. By renting an apartment, you have the option to change your place of residence without worrying about selling the property or paying off a mortgage.

Moreover, renting eliminates the need to deal with renovations, purchasing furniture, or finishing interiors. You can simply move into a ready apartment in your dream location without worrying about additional costs. Renting is also a convenient solution for those who travel frequently or plan long trips, as they do not have to think about who will take care of their property during their absence.

Does renting an apartment have any disadvantages?

One of the biggest downsides of renting is the lack of stability. Apartments available on the rental market can vary significantly in standard and finishing, despite similar prices. Additionally, renting may create the risk of suddenly having to move out, for example, if the landlord decides to sell the property, pass it on to their children, or move in themselves.

Furthermore, in a rented apartment, we have limited options for making major changes or renovations. We are dependent on the furnishings and decor left by the landlord. In contrast, choosing a new apartment in Wrocław from a reputable developer allows you to create your dream home on your own terms.

An important aspect is also the financial side. While in Western European countries like Germany, the Netherlands, Austria, or Sweden, renting is common and cost-effective, in Poland, the rental price can often equal the monthly mortgage payment. Therefore, the decision to buy or rent an apartment requires thorough consideration and analysis of your needs and financial capabilities. With us, you will discover all the secrets of the real estate market and make a decision that best fits your needs.

Advantages of buying your own apartment

Real estate is one of the most frequently recommended safe forms of capital investment, and purchasing an apartment is an investment that almost always brings profits over the years. The increase in property value over time makes it an excellent way to build wealth. You can be sure of such benefits by choosing new apartments with balconies in Wrocław, located in the Viva Jagodno estate on Kajdasza Street. This is an investment that surprises with its proximity to services and green areas.

Moreover, owning your own apartment provides a sense of security and stability. Regardless of the market situation, you do not have to worry about the termination of a lease and losing your roof over your head overnight. This is particularly important for families with children who need a stable and safe place to live. Owning an apartment also offers freedom in interior design and the ability to adapt the space to your needs.

Is purchasing property worthwhile?

Investing in real estate comes with numerous initial costs. With a mortgage, we need to consider the down payment, property insurance, bridge insurance, and bank fees, which can total several tens of thousands of zlotys. When paying in cash, we also incur notary fees, which depend on the transaction value. In the case of secondary market apartments, we also have to pay the PCC tax, which is 2% of the property value.

Considering the current inflation and subcontractor prices, the cost of finishing and furnishing an apartment can range from PLN 1,500 to even PLN 4,000 per square meter. Of course, these costs depend on the standard we want to introduce into the apartment. If the purchased apartment is in developer condition, additional costs can reach several tens of thousands of zlotys. Additionally, there are ongoing monthly expenses for rent and utilities. Therefore, the final cost of purchasing an apartment is significant, and it is worth carefully considering whether such an investment is within our financial reach. That’s why, with us, apartments hold no secrets, and the right decision can save a lot of stress and money.

In summary, the choice between buying and renting a property is one of the most important life dilemmas that each of us must consider sooner or later. Renting often represents an ideal solution—especially when life requires us to quickly change our place of residence due to personal circumstances. Owning your own apartment remains a dream for many people, associated with a sense of stability, security, and independence. Nevertheless, achieving this goal often involves a long-term financial commitment in the form of a mortgage. It is difficult to predict how our lives will unfold in 25 years, so it is important to approach the decision to buy or rent thoughtfully, considering various scenarios. If after our article you are interested in acquiring a new home, be sure to pay attention to the offerings, including new apartments with balconies in Wrocław, which impress with their quality and energy efficiency. We warmly invite you to familiarize yourself with our latest construction projects.