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:
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construction technology,
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financing method (cash, leasing, credit),
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whether you already have a plot of land,
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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)
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Price: from PLN 60,000 in villages and smaller towns
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Pay attention to access to electricity and water supply
2. 📐 House design and documentation
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Ready project: PLN 5,000 – PLN 10,000
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Adaptation, maps, surveyor: PLN 3,000 – 7,000
3. 💼 Advance payment / payment for prefabricated production
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Typically 10–30% of the contract value
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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
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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
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Minimum starting amount: PLN 100,000–120,000 (plot + project + advance payment)
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You can divide further payments into stages or use prefabricated leasing
🔹 Scenario 3: You want a 100 m² prefab turnkey house
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Minimum: PLN 150,000–200,000 to start production + foundation
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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:
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Payment in 2–3 installments adjusted to the progress of work,
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Prefabricated element leasing with monthly installments from approximately PLN 1,500 net,
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Financial consultations – we help you match the option to your capabilities.
Additionally:
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You can take out a loan only for the house, not necessarily for the entire investment ,
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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:
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buy a plot of land or prepare documentation,
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pay an advance for the prefabricated part,
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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