08 stycznia 2024

Apartment for START New Government Program

Apartment for START New Government Program

 

The "Starter apartment" program is to be cheaper than the "Safe loan" program, and the amount of subsidies from the state budget will depend on the number of people in the family.
 

Income Criteria

 

The program is intended for people whose earnings do not exceed:

  • PLN 10,000 gross for singles
  • PLN 18,000 gross for 2 people
  • PLN 23,000 gross for 3 people
  • PLN 28,000 gross for 4 people
  • PLN 33,000 gross for 5 people

     

Loan amount criteria

 

The maximum loan amount on preferential terms will depend on the number of people in the household:

  • The limit for 1 person is PLN 200,000
  • for 2 people, the limit is PLN 400,000
  • for 3 people, the limit is PLN 450,000
  • for 4 people, the limit is PLN 500,000
  • for 5 people, the limit is PLN 600,000

    There is no maximum property price or loan in the program: Example A single person can buy a property for PLN 800,000 and a loan for PLN 500,000. This amount of PLN 500,000 includes PLN 200,000 on preferential terms.

 

Intrest

 

The loan will depend on the number of people in the household:

  • 1.5% for 1- and 2-person households
  • 1% for 3-person households
  • 0.5% for 4-person households
  • 0% for 5-person households
     

The most important information

 

  • No price limit for real estate
  • no limitation on the amount of own contribution
  • Possibility to obtain a loan even without own contribution.
  • The maximum age for a single person is 35
  • If our household consists of 5 people, we can purchase a property larger than the one we currently have.
  • Unmarried couples can use the program together.

 

When will the program come into effect?

 

There is no specific date yet, but the information provided to us shows that the program can be launched in mid-2024.



Remember that if you have any doubts, I am happy to offer you advice and assistance. Let's meet, you will find that my help in choosing the best mortgage can be invaluable.

 

Feel free to comment. Is the topic of credit analysis interesting for you? Let me know in the comment. Will be happy to help clarify all issues. It is important to me that every topic regarding the mortgage is absolutely explained.

 

 

 

CONTACT ME >

Mortgage broker

Michal Kaplon

os.Stefana Batorego 80

60-687 Poznan

Strona www stworzona w kreatorze WebWave.