How to rent an apartment with naj m step by step

1. Choosing a flat

First, you choose a flat that suits you.

You can tailor:

• floor area,
• number of rooms,
• location,
• flat layout,
• finish standard.

A studio? A one-bed? Or maybe a larger flat for a bigger group? Your flat adapts to you.

2. Rental affordability check

The next step is the rental affordability check. It sounds serious, but it is about one simple thing: we verify that the rental costs are in line with your financial situation.

It is good for everyone. For you too. Because living comfortably is living at its best.

We will most commonly ask for documents confirming your income, e.g.:

• an income certificate,
• a tax return,
• an employment, commission or specific-task contract,
• for self-employed individuals – documents from ZUS and the tax office.

The calculation is straightforward: household income minus fixed monthly costs. If the result is positive, we move forward.

3. Can a student or a couple rent a flat?

Yes. And without any complications.

If you are renting with a partner or spouse, we take both incomes into account.

If you are a student without a regular income yet, you can rent a flat with your parents as co-tenants.

You can also share a flat with friends. That often means lower costs and more space.

Not owned, but yours. And well calculated.

4. Credit register checks – BIG and KRD

For people named in the agreement, we also run checks against:

• BIG InfoMonitor,
• KRD.

This is standard security practice in rental. Clear terms from the outset mean fewer problems down the line.

5. Signing the tenancy agreement

After a successful verification, you sign the tenancy agreement. You can choose the tenancy period:

• 6 months,
• 12 months,
• 24 months.

Generally, a longer period means more favourable terms.

For a 24-month agreement, the rent is indexed once a year in line with the inflation rate.

6. The notarial declaration – what does it mean?

One of the documents you sign is a declaration of voluntary submission to enforcement. The name sounds alarming, but do not worry – in practice it means that:

• you are aware of the terms of the agreement,
• you commit to complying with them,
• in exceptional situations, matters can be resolved more quickly, without a lengthy court process.

Formally significant. In practice, routine. And we cover the notary fee.

7. Security deposit

After signing the agreement, you pay a security deposit. Depending on the estate, its amount is the monthly rent multiplied by 1.25 or 2.

The deposit covers any potential arrears or damages. It is a standard part of renting a flat.

At the end of the tenancy, we settle it within 30 days. If there are no arrears and no non-standard damage, we return it in full.

8. Flat handover and key collection

At the handover meeting, we sign the inspection report and document the condition of the flat. It is worth doing this carefully. That way, at the end of the tenancy you are only responsible for normal wear and tear.

Once the documents are signed, you get the keys. This is our favourite moment.

And that’s it. Your flat is waiting.

Good to know at the start

At the beginning of your tenancy it is worth reading the regulations and the residents’ information guide. You will find important rules and contact numbers there.

If something happens – you know who to call.

You know what you can and cannot do. So that everyone lives well.

Summary – how to rent a flat step by step?

The rental process at naj m is straightforward:

1. you choose a flat,
2. you go through verification,
3. you sign the agreement and declaration,
4. you pay the deposit,
5. you collect the keys.

No agent. No chaos. No unnecessary detours.

Because the best flat is a flat in peace.