Currently in Poland there is one mortgage program backed by Polish government:
- 0% Deposit Mortgage Guarantee Scheme (“Rodzinny Kredyt Mieszkaniowy”)
Read on: The 100% no-deposit mortgage in Poland
You need zero deposit in this scheme – there is an option to borrow up to 100% of the purchase price. If you have a deposit lower than 10% this program can be also suitable for you.
If you buy an apartment there is a limit of the price per squere meter. If the purchase price per square meter is higher than the limit you don’t qualify for a mortgage in this program. The price limits are different for different cities and different areas in Poland. Bank Gospodarstwa Krajowego announces the limits for every quarter.
These are the limits in the fourth quarter of 2024 for the biggest cities in Poland and surrounding areas:
The price limits per squere meters concern apartments. There are no price limits per squere meter if you buy or build a house.
Here you will find the limits for the all cities and regions in Poland: https://www.bgk.pl/osoby-prywatne/mieszkalnictwo/rodzinny-kredyt-mieszkaniowy/#c26573