In 2025, the investment real estate market in Poland is entering a phase of stabilization. After a period of uncertainty related to high-interest rates, investors are once again gaining access to attractive forms of financing. The increasing availability of loans, falling interest rates, and greater bank flexibility make the purchase of an investment apartment a realistic and safe way to allocate capital.
For many people, however, the most important question remains: what is the best way to finance the purchase of an apartment – with a mortgage, cash, leasing, or another solution?
The guide below will help you compare the available options and choose a financing strategy tailored to your capabilities and investment goals.
Mortgage Loan – The Most Popular Solution Among Investors
The most frequently chosen form of financing for purchasing an investment apartment is a mortgage loan. In 2025, its conditions are much more favorable than just a year or two ago.
According to data from the Credit Information Bureau (BIK), the number of granted housing loans increased by over 25% compared to 2024. Banks are also increasingly willing to finance investment apartments in the mountains, especially those located in year-round resorts like Szczyrk.
Why is a Mortgage Loan Beneficial for an Investor?
- Lower Interest Rates – The cost of the loan has genuinely decreased by 2–3 percentage points compared to the 2022–2023 period, which has significantly lowered the installments.
- Better Creditworthiness – Higher salaries and a more stable labor market allow for obtaining higher financing.
- Financial Leverage Opportunity – Instead of engaging all capital, you can use a portion of your own funds and finance the rest with a loan, achieving a higher Return on Investment (ROI).
In practice, rental income often covers a significant part of the loan installment. This is why investment apartments in Szczyrk are becoming an attractive tool for building passive income – the property “pays for itself,” and the investor builds capital in the long term.
How to Choose the Best Mortgage for an Investment Apartment?
When comparing bank offers, it is worth paying attention to a few key elements that have the greatest impact on the cost and safety of the investment:
- Interest Rate and Bank Margin: In 2025, more institutions are offering fixed-rate interest for a period of 5 or 7 years. This solution is particularly beneficial for investors who want predictable installments in the longer term.
- Commissions and Additional Fees: Some banks lure with “0% commission” promotions but compensate with a higher margin. You should always compare the Total Cost of Credit (APR).
- Possibility of Fee-Free Overpayment: Flexibility in repayment is crucial. In the event of surpluses from rent or the sale of another property, it is worth having the option to repay the loan early without financial penalties.
- Down Payment and Type of Security: In the case of investments in aparthotels and holiday apartments, banks may require a higher down payment – usually from 20% to 30% of the property’s value.
- Loan Currency and Source of Income: People earning in EUR or USD can use a foreign currency loan, which allows for a better match between financing costs and foreign revenues.
Purchasing an Investment Apartment for Cash – Speed and Independence
For investors with substantial capital, buying an apartment for cash is the solution that offers the greatest simplicity and independence. No bank obligations, immediate transfer of ownership, and no risk of interest rate changes are undeniable advantages of this option.
In the context of mountain investments, this approach has an additional benefit – developers often offer discounts or bonuses (e.g., turnkey finishing included) for cash transactions.
Purchasing for cash also means higher liquidity – the apartment can be sold at any time without the need to repay a loan, which facilitates flexible management of the investment portfolio.
Property Leasing – An Alternative for Entrepreneurs
Although still less popular, property leasing is becoming increasingly accessible to companies and individuals running a business. For entrepreneurs investing in mountain investment apartments, leasing can be a favorable tax solution.
Advantages of Investment Apartment Leasing:
- Leasing installments can be included in operating expenses (cost of obtaining revenue), which reduces income tax.
- The leasing procedure is simpler than obtaining a mortgage loan.
- Property ownership can be transferred at the end of the leasing agreement for a symbolic amount.
This solution is ideal for individuals who plan an apartment investment for business purposes, e.g., as part of a company dealing with short-term rental.
Investment with a Partner or Private Fund – Shared Capital, Shared Profit
Group investment models are gaining increasing popularity. They involve combining the capital of several investors who jointly acquire a property and share the profits proportional to the contribution.
This approach allows entry into the premium segment with a smaller budget – for example, by buying a share in an apartment in a luxury aparthotel, such as Sky Resort Szczyrk.
This solution is dedicated to people who want to start investing in apartments but do not have the full capital needed for an independent purchase.
However, it is important to clearly define the terms of cooperation: who manages the property, how are revenues distributed, and what are the rules for exiting the investment.
Investor Support Programs – Preferential Loans and BGK Guarantees
In 2025, some public institutions still offer forms of support for property purchases. Although most government programs concern apartments for one’s own needs, some banks introduce investment products with preferential interest rates or a BGK (Bank Gospodarstwa Krajowego) guarantee.
This makes it possible to reduce the required down payment (even to 10%) or obtain more favorable credit terms for apartments in tourist resorts.
Such solutions work particularly well for investments in the condo hotel segment – especially if the property is managed by an experienced operator and generates predictable income.
How to Compare Offers and Choose the Best Financing?
To make the right decision, it is worth taking a few simple steps:
- Collect offers from several banks and leasing companies – compare the APR, margin, additional costs, and repayment flexibility.
- Calculate the real Return on Investment (ROI) – include not only rental income but also the appreciation of the property’s value over time.
- Consult a credit or investment advisor – professional analysis will help avoid costly mistakes.
- Check the property management model – the more transparent and efficient, the easier it is to cover financing costs from rent.
In practice, a well-chosen loan or lease can be a tool that increases the rate of return on investment instead of lowering it.
Why Act Now – Before the Winter Season
Autumn is the perfect time to start the process of financing and purchasing an investment apartment. Many banks introduce autumn credit promotions, and developers offer attractive conditions before the winter season.
In the case of locations such as Szczyrk, purchasing before December allows for full utilization of the ski season’s potential and starting to generate income almost immediately after the apartment is handed over.
Premium segment investments – such as Sky Resort Szczyrk – offer comprehensive support for investors, including assistance in obtaining financing and full rental service. This makes the purchase and management process simpler and safer, even for those taking their first steps in investing.
Summary
In 2025, there are more opportunities than ever before to finance the purchase of an investment apartment.
From classic mortgage loans, through leasing, to co-investment models – investors can match the strategy to their needs and level of involvement.
The most important thing is to choose a project that combines high quality, a transparent management model, and stable income potential.
It is precisely these features that distinguish Sky Resort Szczyrk – a premium investment in the heart of the resort that combines financial security with prestige and real profit.
