Barska 8, Krakow II
Reasons to invest in the project Barska 8, Krakow II:
- The financed property is located in Kraków's prestigious Dębniki district, just over a kilometre from Wawel Castle and the city's Old Town;
- The project consists of exclusive and luxurious boutique-style apartments, each with a terrace or private garden;
- Projected profit from the sale of apartments: EUR 1,214,860;
- Monthly interest payments with an attractive annual return of 9.25% – 10.5% plus an additional fixed annual capital gains of 1.5% (payable at the end of the project);
- The maximum loan-to-value (LTV) ratio for this project is 70%;
- An independent appraiser has valued the financed property at PLN 13,421,825 = EUR 3,087,019 (1 PLN = 0.23 EUR).
The InRento team presents the second stage of new buy-to-let project – Barska 8, in Kraków II, one of Poland's oldest and most beautiful cities.
Kraków, the former capital of Poland, is now the second largest city in the country after the current capital, Warsaw. The city is located in southern Poland, on the Vistula River, and is famous for its historical and cultural heritage.
The financed property is located in the prestigious Dębniki district of Kraków, just over a kilometre from Wawel Castle and the city's Old Town. The location offers excellent transport links, green areas along the Vistula River and has growing interest among residents, students and tourists. The strategic location enhances the project's attractiveness for long-term investment.
The investment offer consists of a five-storey, 634 m² apartment building located in the prestigious Dębniki district at Barska 8, Kraków, Poland. Currently, the following work has been completed on the building: foundations have been laid, masonry and structural work on all floors has been completed, walls, ceilings, roof and windows have been installed, a passenger lift has been installed, and technical connections have been made. The following work remains to be completed: installation and facade work, installation of a car lift, installation of a staircase and landscaping of the garden and the entire project area.
Once all the installation work has been completed, the project will consist of three exclusive, luxurious boutique-style apartments, each with a terrace or private garden, underground car parking, and a passenger and a car lift.
The apartments are located near the Vistula River and have direct access to it. The project is aimed at luxury buyers who appreciate the cultural environment and a high quality of life. The building has been carefully restored, preserving its authentic historical exterior, while the interior features modern finishes and high-quality materials.
The project owner is 3N Invest Sp. z o.o. The project team consists of a professional and experienced team from Frena Sp. z o.o. SKA has been implementing luxury and exclusive real estate renovation projects since 2009, focusing on high quality and living standards. Frena Sp. z o.o. SKA's project portfolio includes 19 boutique projects in Warsaw and Kraków, 15 of which have already been successfully completed.
Investors will receive a fixed monthly interest rate of 9.25% – 10.5% per annum, depending on the amount invested.
This project also has a fixed annual capital gains of 1.5%, payable at the end of the project. This raises the total project yield from 10.75% to 12% per annum.
Please note that the mortgage for this project signed, thus the interest for this phase will start to accrue to the investors as soon as the money is actually disbursed to the project owner.
The maximum loan term for this project is 36 months.
This project has a fixed annual return on capital gains –
The capital gains are fixed and payable together with the repayment of the loan amount for the preceding instalment ("Instalment"), with the return for each successive Instalment being added to the calculation of the return. The Instalment shall be considered as per one calendar year. A fixed increment of 1.5% shall be applied to the Instalment.
Example calculation: If the Loan is repaid after one year, a fixed return of 1.5% applies. If the Loan is repaid after 24 months, a fixed return of 3% applies. If the Loan is repaid after 36 months, a fixed return of 4.5% applies.
The profit margin is payable whether or not the Loan is repaid on the sale of the property.
Read full information on pricing on this link.
2025-07-30
The mortgage agreement with the project owner has been successfully concluded and registered.
The interest for the project's first stage will start to accrue from 4 July 2025.
Due to technical issues with the registry, the document will be uploaded shortly. Once available, it can be found in the "Documents" section of the project description.
Here you can find the complete payment history for this project. The list includes all payments made by the project owner, covering interest payments, principal repayments, capital gain payments, and any late payment fees.
| Payment date | Type | Payment status | Paid |
|---|---|---|---|
| 13 March 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 17 February 2026 | Interest payment | Paid late in grace period Payment was made after the due date but within 14 days of it. Late payment interest is calculated from the first overdue day. | € 3 159.9 |
| 14 January 2026 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 12 December 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 13 November 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 13 October 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 12 September 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 3 159.9 |
| 14 August 2025 | Interest payment | Paid on time Payment was received by the due date with no delay | € 311.73 |
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Krakow Poland