The Polish government’s housing strategy for 2025 centers on the “Key to the Flat” program launching in the second half of 2025, targeting approximately 50,000 people with PLN 500 million in allocated funding. This program offers interest rate subsidies ranging from 1.5% for single-person households to 0% for families with five or more members, with subsidies lasting 10 years for loans taken through end-2025.
Current mortgage rates average 7.57% for new PLN-denominated housing loans as of March 2025, though the National Bank of Poland’s recent rate cuts to 5.00% haven’t yet fully reflected in market rates. The NBP’s dovish stance with additional 150 basis points of cuts expected by year-end signals improving credit conditions ahead.
This monetary easing comes as analysts project rate cuts will have greater market impact than new housing programs due to restrictive eligibility criteria. The social housing investment program allocates PLN 2.5-5 billion in 2025 funding, targeting 15,000 municipal units with up to 80% subsidies for municipalities.
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