New build or resale flat? Pros and cons for foreigners
Developer or private seller – different prices, costs, timelines and risks. A practical comparison.
Kready · 2026-08-08
Primary market (developer)
Pros
- no PCC tax (VAT included in the price),
- modern building, often with guarantees,
- payments in tranches during construction.
Cons
- you wait for completion – sometimes 1–2 years,
- flats are often sold in "developer standard" – finishing costs extra,
- risk of construction delays.
Secondary market (resale)
Pros
- you can move in quickly,
- you see exactly what you buy, including the neighbourhood,
- often better locations in city centres.
Cons
- 2% PCC (unless it's your first home),
- possible renovation needs,
- estate agent fees.
Specific for foreigners
- For both types, buying a flat usually doesn't require a permit.
- With a developer, check the residence card validity against the completion date – the bank may verify it again before the final payout.
Which is cheaper?
It depends: compare the total including PCC, finishing costs, agent and the time you'd pay rent while waiting.
Select the market in the calculator – purchase costs are adjusted automatically.