PKO introduces “housing books”. The bank signed the contract
Bank PKO BP signed an agreement with Bank Gospodarstwa to add a housing account to its offer. The housing account is part of the recently launched First Apartment program, which includes, among others, 2 percent mortgage with a state subsidy.
The housing account is the second after Safe Credit 2 percent. a product included in the government package First Apartment. The account allows you to save money for the purchase of an apartment and guarantees a government subsidy. – The housing account is intended for those who are preparing to buy an apartment in the medium term. This is the most attractive product on the Polish market, but also on the European market – said the Minister of Development, Waldemar Buda, at a press conference.
Housing account
According to the new regulations, a savings account under the “First Apartment” program will be open to persons between 13 and 45 years of age. The saving period is from 3 to 10 years.
The premium that the state pays when you buy a flat will be calculated on the basis of the inflation rate. – The program contains a fuse. If in a year or two it turns out that the dynamics of price growth on the real estate market will be higher, we will take into account a higher index – said Minister Buda.
“Safe 2% credit”. – basic conditions
“Safe 2% credit”. can enlist a person up to 45 years of age. If spouses apply for a loan, the age condition must be met by one of the partners. The loan can only be granted for the first apartment, so a person who already owns another property, even a small studio apartment in another region of Poland, cannot apply for the subsidy. If one of the spouses owns real estate, even if it was purchased before the wedding and constituted personal property, this excludes the spouses from the program.
The maximum loan amount with a subsidy cannot exceed PLN 500,000. PLN, if the applicant is single (single) or PLN 600,000. PLN, when the borrower runs a household together with his spouse or has at least one child – PLN 600,000. zloty. Own contribution can be up to 200,000. zloty. This means that a flat (regardless of whether it comes from the secondary or primary market) can cost a maximum of PLN 700,000 or PLN 800,000. zloty.
