Abstract
The dynamic development in the construction industry allows and at the same time forces us to design buildings with the ability to adapt to changing needs. The article discusses the formal aspects and the method of financing a single family house constructed in stages, depending on changing needs. A comparison of costs for a building constructed in stages and traditional building in the Polish realities for different scenarios of changing needs. The paper also presents the literature investigating the issue of the possibility of adapting buildings to changing needs. The basic problem is the risk of a financial trap involving the construction of a large house once and the financial problems resulting from: limitation of user numbers, limitation of financial resources, rising energy prices, high probability of selling a large house at a loss.