Housing programmes in Poland 2026 – what applies: 2% loan, Pierwsze klucze, family mortgage
Author: Tacjana MasiukiewiczMortgages~8 min read
There is a lot of confusion around government housing programmes: the 0% loan and "First Keys" (Pierwsze klucze) were talked about for months, and the 2% Safe Loan still appears in search engines. We checked official sources – government websites, BGK (the state development bank) and the Journal of Laws (Dziennik Ustaw) – to see what really applies in September 2026 to people buying a flat.
Key points
- 2% Safe Loan (Bezpieczny Kredyt) – banks have not accepted applications since 2 January 2024; people who received it continue to receive subsidies for 120 months.
- #naStart housing loan (the "0% loan") – the draft act was withdrawn, the programme never came into force.
- "First Keys" (Pierwsze klucze) – the draft act was withdrawn from government work (in the list of legislative work it has the status "withdrawn").
- Family housing loan (rodzinny kredyt mieszkaniowy) with a BGK guarantee (a loan without a down payment) – operating; banks may grant it until 31 December 2030.
- In September 2026 no new instalment-subsidy programme for buyers is in force or being processed – government support is focused on social and municipal housing.
Housing programmes 2026 – summary
| Programme | What it involves | Status (September 2026) |
|---|---|---|
| 2% Safe Loan | subsidies to loan instalments for people without a flat | closed to new applications since 2.01.2024; subsidies for existing borrowers continue |
| #naStart housing loan | instalment subsidies (interest rate 0–1.5%) | draft withdrawn, never came into force |
| "First Keys" | instalment subsidies, a loan for participation in an SIM/TBS (social rental housing scheme), down payment guarantee | draft withdrawn, never came into force |
| Family housing loan | BGK guarantee instead of a down payment, family repayment | operating, loans until 31.12.2030 |
| Housing account | bonus on savings for a flat | operating; from 2026 without an age limit |
| Flat to Start (Mieszkanie na Start) | rent subsidies in selected flats to let | operating – only in units covered by an agreement between a municipality and BGK |
2% Safe Loan – does it still work?
Not for new borrowers. Because the statutory subsidy limits were reached, BGK announced that from 2 January 2024 banks do not accept applications. The right to subsidies was kept by applications submitted by 31 December 2023 and registered by banks by 7 January 2024. The Act of 25 July 2025 (Dz.U. 2025 item 1077) also closed the programme formally: a safe loan can be granted only on the basis of an application submitted before that Act came into force.
People who have the 2% Safe Loan still receive subsidies – for the first 120 instalments, i.e. 10 years (art. 9b of the Act on the family housing loan and the 2% safe loan).
The 0% loan and "#naStart" – what happened?
In April 2024 the Ministry of Development and Technology announced the #naStart housing loan with an interest rate of 0 to 1.5%. The draft act was not adopted, however. In the Council of Ministers' list of legislative work it has the status "withdrawn". So in 2026 there is no "0% loan" at all.
"First Keys" – did the programme come into force?
No. "First Keys" is a draft act on investments and housing credit prepared by the Ministry of Development and Technology (item UA11 in the list). It was to combine instalment subsidies, a loan for participation in an SIM or TBS and a down payment guarantee. The draft did not reach the Sejm, and in the government's list of legislative work on 2 February 2026 its status was changed to "withdrawn". The government housing strategy adopted in March 2026 does not provide for a new loan-subsidy programme for buyers.
If you come across an offer of a "loan under the First Keys programme" – that information is out of date.
Family housing loan – a loan without a down payment
This is the only programme currently operating that really helps buyers who take a loan. The conditions under the Act on the family housing loan and the 2% safe loan (consolidated text Dz.U. 2024 item 1724) and the BGK website:
- BGK guarantees repayment of the part of the loan corresponding to the missing down payment – up to 20% of the purchase costs, a maximum of PLN 100 thousand,
- the one-off fee for the guarantee is 1% of the guaranteed amount,
- the loan must be granted for at least 15 years,
- price-per-metre limits apply – BGK publishes them every quarter,
- family repayment: after the birth of a second child BGK repays PLN 20 thousand of the loan, and after a third and subsequent one – PLN 60 thousand,
- banks may grant loans with the guarantee until 31 December 2030.
Only a few banks offer a loan with the guarantee; the current list is published by BGK. We write more about the down payment in the article Down payment 2026.
Housing account
A housing account is a savings account on which the state adds a housing bonus to the funds accumulated if you use them to buy a flat. From 1 January 2026 the age limit of 45 for opening an account was abolished, the minimum payment was lowered to PLN 300 a month and a minimum bonus of 4% was introduced (changes from the act Dz.U. 2025 item 1077). It is a solution for people planning to buy in a few years.
Support for renting and social housing
In 2026 the government directs most funds to flats to let. According to the Ministry of Development and Technology, the housing budget in 2026 is a record PLN 6.7 billion, of which about PLN 4 billion goes through the Subsidy Fund at BGK to municipal and social housing (SIM, TBS, cooperatives). In May 2026 a draft of changes to the rules of operation of SIMs, TBSs and housing cooperatives entered the government's work list. For a person who wants to buy a flat to own, however, these programmes are of limited importance.
What does it mean for a buyer in 2026?
- Do not postpone your purchase waiting for a new subsidy programme – as at September 2026 no such programme is being processed.
- If you have no down payment, check the family housing loan with a BGK guarantee.
- Compare standard bank offers – after the NBP rate cuts (reference rate 3.75% since March 2026) instalments are lower than in 2024.
- Follow official sources: the gov.pl and bgk.pl websites. Information about "new programmes" on social media often concerns drafts that never came into force.
Read also:
Frequently asked questions
Is there a 2% loan programme in 2026?
Not for new applications. The 2% Safe Loan has not accepted applications since 2 January 2024. People who took it out earlier continue to receive subsidies for 120 months.
Is the "First Keys" programme in force?
No. The draft "First Keys" act was withdrawn from the government's legislative work and did not come into force.
Is there a 0% loan in 2026?
No. The announced #naStart housing loan, called the 0% loan, was not introduced – the draft act was withdrawn.
What mortgage subsidies are available in 2026?
There is no instalment-subsidy programme for new borrowers. The family housing loan with a BGK guarantee (replacing the down payment) is operating, with a family repayment of PLN 20 thousand after the second child and PLN 60 thousand after the third and subsequent one.
Where to check the current status of housing programmes?
On the websites of the Ministry of Development and Technology (gov.pl), Bank Gospodarstwa Krajowego (bgk.pl) and in the Council of Ministers' list of legislative work. We update this article when the status of programmes changes.
Summary
In September 2026 flat buyers have mainly standard mortgages and the family housing loan with a BGK guarantee at their disposal. The 2% Safe Loan is closed to new applications, and the #naStart and "First Keys" drafts have been withdrawn. We describe how to go through the loan process in the guide Mortgage step by step.
Want to check whether you qualify for a loan with a BGK guarantee, or which offer will be best for you? Book a consultation with a credit expert – we will compare the offers of several banks.
As at 26.09.2026. The article is for information only; the terms of the programmes may change – the regulations and BGK information are binding.
Sources
- BGK, information on reaching the statutory subsidy limits in the 2% Safe Loan and BGK – 2% Safe Loan.
- Act on the family housing loan and the 2% safe loan – consolidated text Dz.U. 2024 item 1724 (art. 3, 4a, 7, 9b).
- Act of 25 July 2025 amending the Act on social forms of housing development and certain other acts – Dz.U. 2025 item 1077.
- Council of Ministers' list of legislative work – draft act on the #naStart housing loan (status: withdrawn).
- Council of Ministers' list of legislative work – draft act on investments and the "First Keys" housing loan (status: withdrawn).
- BGK – Family housing loan.
- Ministry of Development and Technology – the government housing strategy (March 2026) and Ministry of Development and Technology – funds for housing investment in 2026.
- BGK – Flat to Start (rent subsidies).
