Hidden loan-related costs (commissions, insurances, appraiser valuations)

A loan isn't just interest; it's an iceberg of hidden margins. Initial costs can knock you off your feet: origination commissions for hundreds of thousands, mandatory life insurance, or high notary fees. With the prospect of so many expenses amounting to tens of thousands of zlotys, paying another few dozen thousand to real estate agency brokers is a pure waste of a budget that could have been your invaluable down payment.