Mortgage without a down payment in Poland in 2026 — is it possible?

Short answer

Yes, but essentially in one way: the family housing loan (rodzinny kredyt mieszkaniowy) with a guarantee from Bank Gospodarstwa Krajowego (BGK). The programme is in force and loans can be granted until 31 December 2030.

Outside the programme banks usually lend up to 80% of the property value, and up to 90% if the part above 80% has extra security (e.g. insurance). So you normally need a 10–20% down payment.
The BGK guarantee replaces the missing down payment up to 20% of the costs, but no more than PLN 100,000. For a home costing more than PLN 500,000 you still have to cover or secure part of the down payment yourself.
Single people and people without children can apply too; the act sets no age limit. Conditions: nobody in the household owns a flat or house (with exceptions for families with at least two children) and the price per m² is within the BGK limit.
The Safe Loan 2% (Bezpieczny kredyt 2%) accepts no new applications, and the #naStart loan bill was withdrawn.

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Source: Act on the family housing loan and the Safe Loan 2% (Journal of Laws 2024 item 1724, consolidated text), in Polish; BGK — Family housing loan (conditions and list of banks), in Polish; KNF — Recommendation S (amendment of 19.06.2023, recommendations 15.5 and 15.5a), in Polish, checked on 07.11.2026

Why banks want a down payment: Recommendation S

The Polish Financial Supervision Authority (KNF) recommends that on the day of payout a home loan should not exceed 80% of the property value (the LtV ratio). Up to 90% — only if the part above 80% has extra security:

suitable insurance (so-called low down payment insurance),
funds blocked on a bank account or a pledge on PLN-denominated State Treasury or NBP bonds,
transfer of a set amount of money to the bank's ownership,
transfer of savings from an IKE or IKZE retirement account.

The exception is a loan with a BGK guarantee: it can reach 100% of the value minus your own contribution. If the guarantee plus your contribution is below 20% of the value, the missing part must also be secured in one of the ways listed above.

Each bank sets its own thresholds within these limits and may ask for more than the minimum.

Source: KNF — Recommendation S (amendment of 19.06.2023, recommendations 15.5 and 15.5a), in Polish, checked on 07.11.2026

Family housing loan with a BGK guarantee

In force. Banks can grant it until 31 December 2030.

How the guarantee works

If your down payment is below 20% of the costs, the BGK guarantee covers the gap up to 20%. You may have no down payment at all.
The guaranteed part of the loan is at most PLN 100,000, and the guarantee plus your own contribution at most PLN 200,000 and at most 20% of the costs.
The loan is in złoty, for at least 15 years — to buy a flat or house, build a house or acquire a cooperative right to a dwelling.
Your own contribution may not exceed 20% of the costs (30% with a rate fixed for at least 5 years) or PLN 200,000 — the programme is for people who lack a down payment.
The guarantee does not reduce the loan amount — you borrow the whole missing sum. The bank may not, however, offer worse terms than its standard offer with the same down payment: it counts the guaranteed part as down payment. BGK charges a one-off fee for the guarantee.
If your contribution is only an undeveloped plot, or cash together with the bonus from a Konto Mieszkaniowe housing savings account, the PLN 200,000 contribution cap does not apply — the contribution and the loan together may not exceed PLN 1,000,000.

Source: Act on the family housing loan and the Safe Loan 2% (Journal of Laws 2024 item 1724, consolidated text), in Polish; BGK — Down payment guarantee, in Polish, checked on 07.11.2026

Who qualifies

An adult running a household alone — single people included — or spouses, or parents of a shared child.
The act sets no age limit and no income threshold — you need creditworthiness, which the bank assesses.
Nobody in the household owns a flat, a house or a cooperative right to one, or has given one to close family in the last 5 years. Exception: a family with two children may own a flat of up to 50 m², with three — up to 75 m², with four — up to 90 m², with five or more — one flat or house of any size. In these cases the down payment may be at most 10%.
You are not a party to another mortgage agreement for buying a flat or house signed within 36 months before the application, and nobody in the household has had a family housing loan before.

Source: Act on the family housing loan and the Safe Loan 2% (Journal of Laws 2024 item 1724, consolidated text), in Polish; Ministry of Development and Technology — Home without a down payment (Q&A), in Polish; BGK — Family housing loan (conditions and list of banks), in Polish, checked on 07.11.2026

Price limits per m² in Q4 2026

When buying a flat, the price per 1 m² of usable floor area may not exceed the BGK limit. The higher limit applies to the first buyer purchasing from a developer; the lower one to the secondary market and other cases.

City	From a developer (coefficient 1.4)	Secondary market and other (coefficient 1.3)
Warsaw	17 497,70 zł	16 247,87 zł
Kraków	14 018,90 zł	13 017,55 zł
Wrocław	14 739,20 zł	13 686,40 zł
Poznań	14 645,40 zł	13 599,30 zł
Gdańsk	13 732,60 zł	12 751,70 zł
Lublin	11 958,97 zł	11 104,76 zł
Katowice	11 172,70 zł	10 374,65 zł
Łódź	10 062,50 zł	9 343,75 zł

Amounts in złoty per m². Municipalities neighbouring a regional capital and other municipalities have their own limits — the full table for all regions is in the BGK file. Limits change every quarter.

Source: BGK — Price limits per m² in Q4 2026 (PDF, notice of 01.10.2026), in Polish, checked on 07.11.2026

Family repayment

If a second child is born (or adopted) during the loan, BGK repays PLN 20,000 of your loan; for the third and each next child — PLN 60,000. You submit the request at your bank within a year of the birth or adoption.

Source: BGK — Family repayment, in Polish, checked on 07.11.2026

Which banks offer it

According to the BGK list:

PKO Bank Polski
Bank Pekao
Alior Bank
Erste Bank Polska

Bank BPS (since 1.03.2024) and Bank Spółdzielczy w Brodnicy (since 2.09.2024) have suspended this loan.

Source: BGK — Family housing loan (conditions and list of banks), in Polish, checked on 07.11.2026

Programmes not in force today

Safe Loan 2% (Bezpieczny kredyt 2%)

No new applications: the act allows it only on applications filed before the amendment of 25 July 2025 came into force.

Source: Act on the family housing loan and the Safe Loan 2% (Journal of Laws 2024 item 1724, consolidated text), in Polish, checked on 07.11.2026

#naStart housing loan

This was a bill, not a programme. The government withdrew it — its status on the legislative list is "withdrawn".

Source: Prime Minister's Office — #naStart housing loan bill (status: withdrawn), in Polish, checked on 07.11.2026

BGK guarantee for SIM and TBS participation

A bill of 30.07.2026 extends the BGK guarantee to loans for the participation payment in a SIM or TBS flat and for a housing cooperative contribution. It is only on the government's legislative list and is not yet in force. The ministry stresses that it does not bring back the Safe Loan 2%.

Source: Ministry of Development and Technology — Cheaper SIM and TBS participation (30.07.2026), in Polish, checked on 07.11.2026

There is no separate "no down payment for young people" programme today. The family housing loan has no age limit — young people use it on the same terms as everyone else.

Source: Ministry of Development and Technology — Home without a down payment (Q&A), in Polish, checked on 07.11.2026

If the programme does not fit: other options

The price is above the limit, you already own a home, or your bank does not offer this loan — then the down payment has to be built up or replaced with security. What to consider:

10% down payment with extra security

Recommendation S allows loans up to 90% of the value if the part above 80% is secured, most often with low down payment insurance. The insurance usually lasts until the loan falls below 80% of the value.

Source: KNF — Recommendation S (amendment of 19.06.2023, recommendations 15.5 and 15.5a), in Polish, checked on 07.11.2026

Mortgage on a second property

Some banks accept extra security on another property, e.g. your parents' — the combined value of the security then counts. The owner of that property must agree, and the property secures your loan. The bank decides.

Help from family

Money from family can be your down payment. A co-borrower or guarantor can improve creditworthiness but does not by itself replace a down payment under Recommendation S.

Source: KNF — Recommendation S (amendment of 19.06.2023, recommendations 15.5 and 15.5a), in Polish, checked on 07.11.2026

A plot as the down payment

When building a house, the plot can be the down payment. In the family housing loan an undeveloped plot as the only contribution lifts the PLN 200,000 contribution cap (contribution and loan together up to PLN 1,000,000).

Source: Act on the family housing loan and the Safe Loan 2% (Journal of Laws 2024 item 1724, consolidated text), in Polish, checked on 07.11.2026

Konto Mieszkaniowe (housing savings account)

A BGK savings account for people aged 13 and over without their own home: deposits of PLN 300 to 2,000 a month, and after at least three years of calculations the state adds a housing bonus. Offered by PKO Bank Polski, Bank Pekao and Alior Bank.

Source: BGK — Konto Mieszkaniowe, in Polish, checked on 07.11.2026

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Frequently asked questions

Can you get a mortgage without a down payment in Poland in 2026?

Yes — in the family housing loan the missing down payment up to 20% of the costs (at most PLN 100,000) is replaced by a BGK guarantee. Loans can be granted until 31 December 2030. Outside the programme banks usually require at least a 10–20% down payment.

Can a single person get the family housing loan?

Yes. Under the act a household can also be an adult running it alone. They need creditworthiness and must not own a flat or house.

Is there an age limit or a separate programme for young people?

No. The family housing loan act sets no age limit, and there is no separate no-down-payment programme for young people today.

What are the family housing loan price limits in Q4 2026?

For example Warsaw: PLN 17,497.70/m² from a developer and PLN 16,247.87/m² on the secondary market; Kraków: PLN 14,018.90 and 13,017.55/m². BGK publishes the limits for all regions every quarter.

Which banks offer loans with the BGK guarantee?

According to the BGK list as of 07.11.2026: PKO Bank Polski, Bank Pekao, Alior Bank and Erste Bank Polska. Bank BPS and Bank Spółdzielczy w Brodnicy have suspended it.

Is the Safe Loan 2% or the #naStart loan available?

No. The Safe Loan 2% accepts no new applications, and the government withdrew the #naStart bill.

Sources (checked on 07.11.2026)

This is general information, not advice or a loan offer. Programme and bank conditions change — check them at the source before deciding. The bank always makes the credit decision.