The ministry said: “Given the exhaustion of the total legal limit for 2023 and 2024 to support the secure loan at 2%, the Ministry of Development and Technology is conducting intensive work on a new formula to support borrowers.”
What instead of “2% secure loan”?
The ministry confirms that “the government has secured funds in the 2024 draft budget to help Poles buy their first apartment or house.” He adds that “the 2% safe loan in the current form will be replaced by another offer that is “beneficial to borrowers.” “We will come up with a proposal to continue this program, and if this program continues at the beginning of the year next year, we will move to a more comprehensive program,” a program that will affect not only the demand market, but also the supply market, said the Minister of Development and Technology, Christoph Heitmann, on tvn24. .pl in mid-December.
Restrictions on high-income people
“Our goal is to make the new instrument, on the one hand, more attractive for people with low incomes and large families, and, on the other hand, to limit its abuse by people whose high incomes allow them to obtain a loan in a bank.” “Normal market supply. Also important is the assumption of reduced pressure on the housing market and the associated impact on price increases, and precisely targeted government aid,” the ministry said. The new version of the program is scheduled to be introduced in early 2024.
The statutory spending limits on secure credit support are 2%. They assumed that support in 2023 and 2024 could cover about 50,000 people. Loans. By December 21, 2023, nearly 55.8 thousand had been signed. Credit agreements. “This means that the total funds for the 2% safe loan for 2023-2024 have been exhausted and with the beginning of the new year it is necessary to stop accepting new applications by the banks participating in the program,” we read on the ministry’s website. The ministry adds that all applications submitted until the end of 2023 will be considered.
“The 2% secure credit enjoys great interest. Even the government did not expect it. The program has already exhausted the funds that were also supposed to be allocated for next year (2023-2024 budget is PLN 941 million)” – he wrote, among other things. In its December analysis of the HRE Investment Trust.
Banks finish accepting applications
13 banks are participating in the government's cheap loan programme. One of them announced in early December that it would stop accepting applications earlier. Ochrony Środowiska Bank (BOŚ) will accept applications for a secured loan at 2%. Only until December 29th.
Similar information was also provided by Gospodarstwa Krajowego Bank, which announced that it had also ended accepting applications because it had reached the limit under the “Safe 2% Credit” program. From January 2, 2024, their admission will be suspended.
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