Nowy harmonogram płatności 20/80 w Krakowie i Katowicach
We have good news for those looking to purchase an apartment while maintaining greater financial flexibility: we have introduced a 20/80 payment schedule in two of our developments—Kraków (Kameralny Ruczaj) and Katowice (Kopalniana 7).
This solution allows you to begin the purchase with a lower initial payment and settle the remaining balance only at the final stage of the project..
What does the 20/80 payment schedule mean?
The 20/80 schedule is a straightforward model:
- 20% of the apartment price – payable upon signing the developer agreement
- 80% of the apartment price – payable upon completion of construction
This option is particularly valued by buyers who:
- want to reduce expenses at the beginning of the purchase process,
- plan to arrange mortgage financing closer to handover,
- prefer to keep funds available for other purposes until construction is completed
Kameralny Ruczaj - Kraków | 20/80 + 3-bedroom apartments with private gardens
W krakowskiej inwestycji Kameralny Ruczaj dostępny jest harmonogram płatności 20/80. Co ważne, realizacja wchodzi w In Kameralny Ruczaj in Kraków, the 20/80 payment schedule is available. Importantly, the project is entering its final stage—construction completion is planned for summer 2026.
Available offer include:
- 3-bedroom apartments with floor areas from 55 to 63 m²,
- ground-floor apartments with private gardens up to 168 m²,
- well-designed layouts that are functional, bright, and sunlit.
This is an attractive option for those who want a larger, well-planned apartment and at the same time wish to benefit from a convenient payment model.
Sales Department: +48 12 397 12 25
Apartments in Kraków – Ruczaj
Kopalniana 7 – Katowice | 20/80 next to Bogucki Park and the Silesian Museum
The second development covered by the 20/80 payment schedule is Kopalniana 7 in Katowice—an excellent location in the immediate vicinity of Park Bogucki and the Silesian Museum.
The offer includes:
- 1-, 2-, 3- and 4-bedroom apartments,
- construction progressing according to plan,
- construction completion planned for late 2027.
This is a great choice for those seeking a city apartment close to greenery and cultural landmarks, while spreading payments over time in a more comfortable way.
Sales Department: +48 32 745 31 67
Want to learn more about 20/80 and available apartments?
If you would like to see how the 20/80 payment schedule works in practice and which apartments are currently available, please contact our Sales Office. We will present the current offer, explain the payment terms, and help you choose the option best suited to your budget and expectations.
