At the beginning of January, the 2% safe credit was discontinued because it caused very serious side effects in the form of price increases. Then an even more generous housing program was prepared, which would not lead to an increase in prices. I see.
Imagine a social policy program whose counterparts have failed in the past and are full of side effects. Let's imagine that this program is criticized by almost everyone except its authors – left, right, free marketeers and social democrats, some coalition partners and some opposition, liberal housing market experts and urban movements.
It is quite likely that such a program will be implemented in Poland. contains 100 specs in 100 days Statement of the civil coalition on 0% loan. AKA Starter Apartments turned out not to A threat thrown to the wind, but the actual declaration. They really want to do it.
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We remind you that the PiS program was launched in the second half of last year Safe credit 2%., which provided for abundant state interest subsidies. One borrower can receive several hundred thousand zlotys during the entire loan period. No wonder people attacked him. PiS predicted it would secure 10,000. Such loans until the end of the year. Meanwhile, it was already presented in the first quarter almost 70 thousand conclusions. It took several weeks to review each one. No one who did not have an apartment wanted to miss such an opportunity. People put their families in debt to pay their share or finish the building.
as a result – according to expander – During 2023, the average price of apartments increased by 13%, and in big cities twice as much. For example, 29 percent in Krakow, 21 percent in Warsaw and 19 percent in Katowice. It got to the point that the 2% secured credit implemented by Morawiecki's second government was fundamentally criticized by the Prime Minister Morawiecki's third government.
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Morawiecki at one of the conferences where he presented the program Polish Affairs Coalition, noted that demand-supporting housing programs are not working. Meanwhile, he was dismantling his government's most generous bailout program in history. It seems that this is when we reached the extremes of absurdity.
However, at the beginning of January, the situation became even more strange. First, the 2% secured credit was phased out because it caused very serious side effects in the form of price increases. Then an even more generous housing program was prepared, which would not lead to an increase in prices. I see.
The Mieszkanie na start program, prepared by Minister of Development and Technology Krzysztof Hetman of the PSL, will be launched in the middle of the year, just like its infamous predecessor. However, in many cases it provides even better conditions. The interest rate of the loan will be from 0 to 1.5 percent, depending on the number of people living in the household. A family of five, that is, for example, a couple with three children, will not pay interest. Four-seater only 0.5 percent
There will be no restrictions on the value of the loan, but the amount covered by subsidies will be limited – here the range is from PLN 200,000 to PLN 600,000. zloty. In other words, if a single woman wants to buy an apartment for PLN 300,000. PLN, he will pay PLN 100,000 on market terms. However, he will not need to contribute himself.
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This program really treats singles the worst. It not only gives them the smallest subsidy but also puts an age limit of up to 35 years. One person will receive support up to PLN 200,000. Loans, however, studio apartments in major cities start at around PLN 350,000. zloty. Meanwhile, in the case of a childless couple, the subsidized loan amount will be a maximum of PLN 400,000. zloty. Pretty conservative, but it's PSL after all.
Fortunately, the program will also be available to couples in informal relationships, including same-sex couples. This does not change the fact that it is aimed at larger apartments and larger families.
Unlike the PiS program, Mieszkanie na start provides an income criterion, which should be considered a plus. Unfortunately, it is quite high. In the case of a single woman, it is about 10,000. PLN total. how He noticed Dr. Adam Cherniak of SGH, the income criterion excludes less than 5% from the program. Households and 90 percent of this group already has an apartment.
The program will work until the end of next year, that is, only 18 months. During this time, it will generate a total value of PLN 12-13 billion. 50,000 to be disbursed only in the second half of 2024. Loans from an apartment for beginners. You can imagine how much this will cost. In ten months, people will rush to take home loans. Everyone who meets the conditions wants to get something for themselves. The apartments will be sold to developers. It can be assumed that in such market conditions they are unlikely to want to maintain their prices.
“Together we will not support subsidies for banks and developers. Subsidizing the loan will not solve the housing problem, it will only deepen it. he said Adrian Zandberg. The problem is that the new coalition does not need Razem's votes to overcome anything. It is enough to support the remaining leftists. “Voices of the Third Way” already has a sign in the bank, because the author of the program is the minister of the “Third Way”.
It turns out that the starter apartment will come mainly because it was included in the election program of the civil coalition. However, a reasonable government should be able to withdraw from its unreasonable proposals or statements. In the case of the budget project KO has already presented this – First he worried about PiS's public debt and when push came to shove, he even increased the deficit.
Couldn't something similar be done in this case? Maybe let's assume that with this loan 0 percent. were you talking nonsense It is happening, as you know, the election campaign has heated up. There is no need to apologize, let's forget, there was no topic. However, under-promising is slightly better than under-delivering.
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