According to the Ministry of Development, so far under the Safe Credit 2 percent program. 24.3 thous. conclusions. A total of 1,192 contracts were concluded for a total amount of almost PLN 410 million. The Ministry estimates that if the number of applications continues at this rate, approximately 40,000 contracts will be concluded by the end of the year. contracts.
2% secure loan has been operating since July. According to the latest data provided by the Ministry of Development, the number of applications is growing exponentially. “The safe 2% loan offered since July 3, as well as the savings account Konto Mieszkaniowe, meet with great interest – over 24,000. people applied for a loan, 1,192 contracts have already been signed for a total amount of almost PLN 410 million”
Secure loan in 9 banks
2 percent loan with a state subsidy are provided by banks that have signed an agreement with Bank Gospodarstwa Krajowego. Currently, these are: Alior Bank SA, Bank BPS and Banks Spółdzielcze Zrzeszenie BPS, Bank PEKAO SA, Bank Spółdzielczy Rzemiosła in Krakow, Bank Spółdzielczy in Brodnica, Krakowski Bank Spółdzielczy in Krakow, PKO Bank Polski SA, SGB-Bank SA and Banks Spółdzielcze Zrzeszone with SGB-Bank SA and VeloBank SA
According to the Ministry of Development, one bank will soon sign an agreement with BGK, and another four institutions declare their readiness to join the program in Q3/Q4 this year.
The Ministry estimates that with the current dynamics, by the end of 2023, approx. 51,000 should be received. loan applications, of which approx. 40,000 contracts will be finalized.
2% secure loan Who is entitled to?
A subsidized loan may be applied for by persons who, as at the date of submitting the loan application, are under 45 years of age, and in the case of persons running a joint household, it is enough that one of them is under the age of 45 (provided that both parties to this loan agreement ). A person taking out a housing loan and persons forming part of his household before the date of its granting will not be able to hold the ownership right to a flat or a single-family house.
A loan with a subsidy to installments may be granted in the maximum amount of PLN 600,000. PLN in the case of borrowers running a household together with a spouse or when the borrower’s household includes at least one child, in other cases – up to PLN 500,000. zloty. A loan with a subsidized installment may be granted without the borrower’s own contribution or with an own contribution not exceeding PLN 200,000. zloty. These criteria may be increased by way of a regulation of the Council of Ministers.