Safe Credit 2%. Almost 28 thousand were included. contracts

– Media reports about the potential suspension of the BK2% program in 2024 did not result in an increased inflow of applications. A slight slowdown in the number of t/t applications, the number of concluded contracts is accelerating – wrote Agnieszka Wachnicka, vice-president of the Polish Bank Association (ZBP), on the X platform (formerly Twitter).

Safe Credit 2%. More and more contracts

The data presented by the deputy head of the Polish Bank Association show that 27,696 contracts were signed by October 26, which means that during the week the number of contracts increased by 3,410. The number of applications amounted to 62,929, which means a weekly increase by 2,730. In turn, the number of housing accounts opened was 3,860 (up 183 week-on-week).

A week ago, the vice-president of the Polish Bank Association announced that the value of contracts concluded under the Safe Credit 2% program. is PLN 9.7 billion, and the average contract value is PLN 399.4 thousand. zloty.

November 1 will mark four months since the entry into force of the Act on State Aid in Savings for Housing Purposes. It introduced the “First Apartment” program, part of which is the 2% Safe Loan. People who are under 45 years of age on the date of submitting the loan application can apply for this loan, however, in the case of people running a household together, it is sufficient that they are of that age. one of them has not completed the loan (provided that both parties are parties to this loan agreement). The person taking out a housing loan and the persons forming part of his or her household cannot have ownership rights to a residential premises or a single-family house before the date of its granting. A loan with subsidized installments may be granted in a maximum amount of PLN 600,000 in the case of borrowers who run the farm together with their spouse or when the borrower’s household includes at least one child, in other cases – up to a maximum of PLN 500,000. A loan with subsidized installments may be granted without the borrower’s own contribution or with an own contribution not exceeding PLN 200,000. The second pillar of the program is a housing account, i.e. interest on the terms offered by the bank, as in the case of a regular savings account. However, unlike a regular account, the profit is exempt from the so-called Belka tax.