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Also keep transaction costs outside the property valuation. First estimate what the apartment itself is worth; then show acquisition costs separately to reach the total cash required. Otherwise it becomes unclear whether a difference from PLN 3,930,000 reflects the apartment, its condition or...

One more document point for both examples: before paying for a valuation, inspection or other report, ask who commissions it, who receives it and whether the buyer or tenant will get a copy. People often discuss the result without clarifying access to the underlying document. That should be...