The key objectives of the state’s housing policy are:

• increasing the availability and affordability of housing,
• improving housing conditions.

Affordable rental housing development - support measures for new housing construction

1. Social and municipal housing support program (BSK) provides non-repayable financial support from the state budget for the development of housing construction for people with lowest incomes. In particular it is dedicated to support municipalities.
2. Housing construction support program (SBC) provides preferential repayable financing for the construction of rental dwellings with limited rent, addressed to people with moderate income. Preferential credit is granted to social housing initiatives (SIM), social housing societies (TBS), municipal companies and housing cooperatives.

Support measures for purchasing first dwelling

Programs aimed to support citizens in acquiring ownership of a dwelling:

1. Family housing loan, an instrument implemented within the "Flat without own contribution" program, with the possibility of covering with a guarantee a part of a mortgage loan taken out for the purchase of a flat. This part must constitute no less than 20% and no more than 30% of the expenditure for which the credit is taken. The guarantee replaces the requirement for an own contribution. Alongside the family repayment, available if, during the repayment period of this loan, the household grows by a second or subsequent child. The amount of the family repayment will be PLN 20,000.00 in the event of the birth of a second child and PLN 60,000.00 in the event of the birth of a third or subsequent child. The program is also available to households with at least two children whose owned dwelling meets specified area limits.
2. Housing savings account, an instrument implemented within the "First Apartment" program, with a housing bonus, interest rate on the account and capital gains tax (podatek Belki) exemption granted when funds set aside are used for the purchase of a first dwelling. The individual can open a housing account from the age of 13. The person has to save on the Housing savings account regularly for 3 to 10 years. The minimum monthly payment is PLN 500.00 (PLN 6,000.00 per year), and the maximum – PLN 2,000.00 (PLN 24,000.00 annually). Payments of various amounts are possible. Also available to households with at least two children whose owned dwelling meets specified area limits.

TERMO program – support for energy efficiency improvement in multi-family residential buildings

The main measure to support housing regeneration in Poland is TERMO program which combines support from national and European funds. It is dedicated to support investments in multi-family buildings.

1. Thermo-modernization and Renovations Fund.

Support from national funds is offered under Thermo-modernization and Renovations Fund. The legal basis of the Fund is the Act of 21 November 2008 on supporting thermo-modernization and renovations and on the central emission register of buildings.

The purpose of the Fund is to provide financial assistance to investors implementing thermo-modernization and renovations projects and to pay compensation to owners of residential buildings in which residential premises have been provided. The fund offers the following  types of assistance:

• thermo-modernization bonus,
• renovation bonus,
• compensation bonus,
• MHS (municipal housing stock) bonus,
• flood bonus.

2. National Recovery and Resilience Plan (Krajowy Plan Odbudowy i Zwiększania Odporności)

Along with the possibility of using funds from the Recovery and Resilience Facility (RRF), under National Recovery and Resilience Plan, three additional support instruments for undertakings aimed at improving the energy efficiency of multi-family residential buildings were introduced:

• thermo-modernization grant (increases thermo-modernization bonus),
• RES grant (grant OZE),
• MHS (Municipal Housing Stock) grant (grant MZG) (increases MHS bonus).