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Official info
Official info
Official info
Government housing programs
State support that can lower your entry cost or monthly payment. Check what you may qualify for.
Family Housing Loan (Rodzinny Kredyt Mieszkaniowy)
ActiveA state-guaranteed mortgage that can replace your own contribution, with repayment top-ups when your family grows.
Buy with little or no down payment + a “family bonus” paid down on the loan after a new child.
Who it’s for
- No own home (some exceptions for larger families)
- You have or plan to take a mortgage with a partner bank
- Property price within the program’s per-m² limits
Housing Account (Konto Mieszkaniowe)
ActiveA regular-savings account where the state adds an annual bonus if you save consistently towards a first home.
A government top-up on top of bank interest — tax-free if used for housing.
Who it’s for
- Aged 13–45 and without an own flat/house
- Save monthly for at least 3 years
- Funds used for a qualifying housing purpose
Municipal & regional programs
ActiveMany cities and gminas run their own schemes — subsidised rentals, “flat for graduates”, land at reduced prices.
Local discounts or rent-to-own paths not available nationally.
Who it’s for
- Depends on the municipality (residence, income, ties to the area)
- Often aimed at families or key workers
- Ask your agent about programs in your target city
Subsidised Mortgage (Kredyt #naStart)
UpcomingA planned scheme to subsidise mortgage instalments for first-home buyers, with support scaled by household size.
Lower effective interest rate for the first years of the loan.
Who it’s for
- First-home buyers / households without property
- Income and price limits expected to apply
- Subject to legislation — terms not yet final
Safe Loan 2% (Bezpieczny Kredyt 2%)
EndedThe 2023–24 subsidised-rate program for first homes. Closed to new applications — listed here for context.
Was a fixed ~2% effective rate; succeeded by newer proposals.
Who it’s for
- No longer accepting applications
- Ask about the current successor program instead
Programs and their terms change frequently and depend on current legislation and available funding. Always confirm details with your adviser and the official source before relying on a program.