The chairman of Poland 2050, Szymon Hołownia, announced on Tuesday that his group would not support the naStart housing loan program. “We will not support a 0% loan,” the Speaker of the Sejm wrote on Platform X. “This is a proposal for developers, not for people in need of housing,” he assessed. Finance Minister Andrzej Domański said earlier that if Hołownia and his group did not support the naStart loan project, the chance that it would be implemented would drop dramatically.
The new naStart housing loan is to replace the safe 2% loan and the family housing loan, combining financial support in the form of subsidies for installments. Higher assistance will be directed to multi-person households, especially families with children.
As announced at the beginning of August by the Minister of Finance Andrzej Domański, at one of the upcoming meetings of the Economic Committee of the Council of Ministers, the Minister of Development and Technology Krzysztof Paszyk will present “both this programme and other solutions in the area of increasing the availability of housing”.
Without Poland's support 2050
“We will not support 0% credit. We will not support it, because it is a proposal for developers, not for people in need of housing. And this is a proposal that will lead to one thing: an increase in housing prices. Poland 2050 does not agree to this,” Hołownia emphasized in Tuesday's entry on X.
“Do you know the effects of the 'Safe Credit 2%' program introduced by PiS before the elections? The average increase in housing prices in Poland by 13%! In Warsaw by 21%, in Krakow by 29%! And what? Are we supposed to repeat this scenario? What kind of country is this that instead of learning from its own mistakes, mindlessly repeats them?” – wrote the Marshal of the Sejm.
As he assessed, “today we need a program that will truly support Polish women and men who want to buy their own apartment”. “It must be a proposal that will include various forms of support for social housing. We need to start building apartments that not only the wealthiest of us have a chance to buy,” he explained.
At the end of May, the head of the Ministry of Finance said in a radio interview that the chances for the Zero Percent Credit decreased radically if Poland 2050 did not support it.
The Ministry of Family fears that developers will primarily benefit from the program. In its opinion on the project submitted as part of the consultation, the ministry indicated the risk of accelerating the growth of real estate prices. Numerous reservations to the draft law on the naStart loan were previously presented by the ministries of funds, climate, justice, and the National Bank of Poland.
Income criterion
As we read on the website of the Ministry of Development and Technology, the condition for obtaining subsidies under the project will be to meet income criterionwhich was based on first tax bracketi.e. annual income of PLN 120,000 gross. In the program, the criterion will be modified with the increase in the number of household members. However, exceeding the limits will not mean exclusion from the program – borrowers whose households exceed the limit will also be able to receive a new loan, but in their case the subsidy will be reduced.
Childless people will receive an additional payment for installments with an interest rate of 1.5 percent. Families with one child – 1 percent, with two children – 0.5 percent, and with three or more children – 0 percent. The naStart loan is to be granted for a period of at least 15 years, with a fixed interest rate set for a period of 60 months.
A month ago, the Government Legislation Centre reported that the draft law on the naStart loan had been submitted to the Standing Committee of the Council of Ministers. The draft states that the cost of subsidies for housing loans next year will exceed PLN 1.15 billion, and over 10 years it will total almost PLN 19.4 billion.
Main image source: TVN24