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Be strict about neighbourhood boundaries when collecting comparables. Two nearby mixed-use buildings may serve different commercial footfall and tenant markets, so citywide figures—and sometimes even broad suburb labels—can mislead. Put completed sales in one column, genuine new listings in...

I wouldn’t allocate the whole PLN 169,800. First ring-fence an emergency amount that remains untouched, then reserve money for the first mortgage payment, moving and any confirmed charges. Put inspection items in a separate pot once you know what they are. Furniture comes last: the house can...