Kredyt na Start: Housing Loan Program
Kredyt na Start is a Polish government program that subsidizes mortgage installments, aimed at people buying their first home. It is the successor to the Safe Loan 2% program. The size of the subsidy depends on the number of people in the household — the larger the family, the higher the support.
A Polish government program subsidizing mortgage installments for people buying their first home. We explain who it is for, how big the subsidy is, and how to check whether you qualify.
What is Kredyt na Start?
Kredyt na Start is a Polish government program that subsidizes mortgage installments, aimed at people buying their first home. It is the successor to the Safe Loan 2% program. The size of the subsidy depends on the number of people in the household — the larger the family, the higher the support.
In short: the state pays part of the interest, lowering the installment on a first home. The scale of the subsidy grows with the number of people in the household.
Who the program is for
The terms are indicative and depend on the current act. Below are representative criteria:
- Age up to 35 for a person running a single-person household (a single applicant)
- No other flat or house owned (purchase of a first property)
- Income limits depending on the number of people in the household
- Property floor-area limits, rising with family size
How big the subsidy is
The scale of support grows with the number of people in the household. Values are indicative — dependent on the act:
Check whether you qualify
Tick the conditions you meet — this is a quick indicative test.
Tick the conditions you meet
This is an indicative test — eligibility is decided by the bank and the current act.
Źródła i podstawa prawna
- 1. Act regulating the housing-loan subsidy program (current legal status) — ISAP — Internet System of Legal Acts
- 2. Bank Gospodarstwa Krajowego — housing programs — BGK
- 3. Ministry of Development and Technology — housing policy — Ministry of Development and Technology
Stan prawny i dane liczbowe zweryfikowane przez redakcję kreddo.pl. Jeśli zauważyłeś nieaktualne źródło — daj nam znać.
How to use the program step by step
The typical path from checking the terms to a subsidized loan.
- 1
Check the program status
The terms and availability of applications depend on the current act — verify them before deciding.
- 2
Check whether you qualify
The criteria cover, among others, first home ownership, age and household income limits.
- 3
Compare the banks in the program
Subsidized loans are granted by banks taking part in the program — compare margins and commissions.
- 4
Apply at a bank
You apply for the subsidy together with your mortgage application at the bank of your choice.
Frequently Asked Questions
How does Kredyt na Start differ from the Safe Loan 2%?
It is the next iteration of housing support. Here the subsidy is tied to the number of people in the household rather than to a fixed interest rate.
How long do the subsidies last?
Support covers part of the loan repayment period — the exact duration and the rules for phasing out the subsidies are set by the act. It is worth confirming them at the bank before signing the contract.
Can a single person also benefit?
Yes — the program covers single-person households, subject to an age limit. The scale of the subsidy is then lower than for multi-person families.
Where do you apply?
You apply at a bank taking part in the program, together with your loan application. The list of banks and the availability of applications depend on the current act.
