TBS apartment. You are not the owner, but you live there for life

TBS Apartment is a solution for those who are looking for an apartment but do not have the creditworthiness to purchase real estate. How to get a TBS apartment?

What is a TBS apartment?
Conditions for obtaining a TBS apartment
What are the income criteria for a TBS apartment?
How much is the rent in a TBS apartment?
How long can you live in a TBS premises?

TBS housing is an option for working people whose income is, on the one hand, too low to get a mortgage loan and, on the other hand, too high to get a municipal or social flat. The TBS option may be ideal – you can get an apartment without having to take out a large loan for the rest of your life. What are the shortcuts and what criteria must be met to apply for a TBS apartment?

What is a TBS apartment?

A TBS apartment is an apartment that was built as part of a social program supported by the government and local governments. A person who gains the right to a TBS apartment is not its owner, but acquires the right to live in a given place for the rest of his life.

First, however, he must pay a fee of up to 30%. apartment value. The amount may seem large, but at current real estate prices it is much lower than purchasing any real estate property. For many people, TBS is a chance to get an apartment.

Conditions for obtaining a TBS apartment

To be able to apply for a TBS apartment, you must meet several conditions. The first and most important is the lack of ownership rights to any other property. The TBS system is intended for people who have no chance of finding housing. In addition, you must meet income criteria.

What are the income criteria for a TBS apartment?

The TBS program clearly defines the income criterion. People who wish to apply for such an apartment cannot earn more than 1.3 times the average monthly salary in a given voivodeship.

How much is the rent in a TBS apartment?

Article 28 of the Act of October 26, 1995 on certain forms of supporting housing construction regulates the amount of the rent for a TBS apartment. In many cities, the average rate per m2 is PLN 25. This means that you have to pay PLN 1,000 for an apartment with an area of 40 square meters.