In terms of housing policy, the Civic Coalition proposes two solutions: “0 percent loan” and a subsidy for people who rent apartments. In turn, the Polska 2050 party, in addition to freeing the rental market, postulates that mortgage loans should be available on European terms and that saving for an apartment will be exempt from the Belka tax. What other solutions have the parties prepared for voters?
TVN24 reporter Łukasz Wójcik prepared a list of proposals in the field of housing policy of the main parties in Poland.
Two million empty apartments, 0 percent loan, new institutions established
In terms of housing policy, the Civic Coalition proposes two solutions: “0 percent loan” and a subsidy for people who rent apartments, because they would not be creditworthy.
With the “0 percent loan”, banks could still make money, because interest and margins for the borrower would be paid by the state. The borrower would repay the capital himself. According to the assumptions, creditworthiness was achieved by two people who would earn the minimum wage.
This credit would only apply primary market. Izabela Leszczyna, an MP from the Civic Coalition, explained that in this way, the household appliances, furniture, services, home finishing, renovation and painting sectors will be stimulated.
In turn, the Left would like to establish two institutions: the Ministry of Housing and the State Housing Agency, which would take full responsibility for the housing market and help municipalities in building new apartments. It would also take over the State Land Bank.
The Polska 2050 Party pointed out that there are currently two million empty apartments in Poland. Investors do not rent them out due to rental regulations. In addition to freeing the rental market, Poland 2050 proposes mortgage loans on European terms and that saving for an apartment will be exempt from the Belka tax.
PiS party from July 1, introduced the “Credit 2 percent”. The loan can be used to purchase an apartment or a single-family house on the primary and secondary market. You can receive it up to a maximum of PLN 500,000. However, if the household is run by spouses or has at least one child, the amount increases to PLN 600,000. The installment payment is valid for 10 years.
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