How much money do you need to start building a house? – Marysia Houses Guide

How much money do you need to start building a house? – Marysia Houses Guide

Is it possible to start construction without the full amount?

This is one of the most frequently asked questions: how much startup money do you need to start building a house? The answer isn't clear-cut – it all depends on:

  • construction technology,

  • financing method (cash, leasing, credit),

  • whether you already have a plot of land,

  • and whether you decide to build in stages.

The good news? You don't have to have the full amount upfront . For prefabricated construction, you can start with around 80,000–100,000 PLN.

🔑 What do you need to start?

To start the construction process, you need funds for:

1. 📍 Purchasing a plot of land (if you don't have one yet)

  • Price: from PLN 60,000 in villages and smaller towns

  • Pay attention to access to electricity and water supply

2. 📐 House design and documentation

  • Ready project: PLN 5,000 – PLN 10,000

  • Adaptation, maps, surveyor: PLN 3,000 – 7,000

3. 💼 Advance payment / payment for prefabricated production

  • Typically 10–30% of the contract value

  • Example: for a 35 m² house for PLN 299,000 – the advance payment is PLN 30,000–90,000

💸 Scenarios: how much do you need for different stages?

🔹 Scenario 1: You have a plot of land and want a house up to 35 m²

  • Minimum required: PLN 60,000–80,000 (project + advance payment + documents)

🔹 Scenario 2: You don't have a plot of land, your budget is small

  • Minimum starting amount: PLN 100,000–120,000 (plot + project + advance payment)

  • You can divide further payments into stages or use prefabricated leasing

🔹 Scenario 3: You want a 100 m² prefab turnkey house

  • Minimum: PLN 150,000–200,000 to start production + foundation

  • The rest of the payment after installation and acceptance of the work

💡 Financing – how to get started without the full amount?

Marysia houses offer flexible models:

  • Payment in 2–3 installments adjusted to the progress of work,

  • Prefabricated element leasing with monthly installments from approximately PLN 1,500 net,

  • Financial consultations – we help you match the option to your capabilities.

Additionally:

  • You can take out a loan only for the house, not necessarily for the entire investment ,

  • It is possible to start with a smaller space and expand in the future.

Summary

You don't need the entire 300,000–400,000 PLN to get started. In many cases, 80,000–120,000 PLN is enough to:

  • buy a plot of land or prepare documentation,

  • pay an advance for the prefabricated part,

  • start the construction process and plan further stages.

Building a house doesn't have to be a one-time financial leap – it can be a sensible process in stages .

📩 Want to find out exactly how much you need in your case? Contact us: dorota@domkimarysia.com
🌐 Check out the cottage and payment options at www.domkimarysia.pl

The article was prepared by Dorota Burzec – creator of the Domki Marysia™ brand