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Housing policy in Poland

National Housing Programme

On 27 September 2016 the Council of Ministers adopted Resolution no. 115/2016 on the adoption of the National Housing Programme. The National Housing Programme (NHP) is one of the autonomous tools to implement the Responsible Development Plan. As a strategic document, it defines the assumptions of the state's housing policy in the perspective of 2030.
As a result of comprehensive evidence-based diagnosis 3 main objectives were concluded:

  1. Enhancing access to flats for persons with incomes that do not allow for the purchase or rent of a flat under commercial terms and conditions.
    Number of flats per 1,000 residents shall increase from 363 in 2014 to 435 in 2030.
  2. Enhancing the possibility to satisfy basic housing needs of persons threatened by social exclusion, due to low incomes or a particularly difficult situation.
    Municipal governments shall be able to satisfy housing needs of all households waiting to rent a flat from a municipality. In 2014 165.2 thousand households waited for renting a municipal flat.
  3. Improving living conditions for the society, the technical condition of housing resources and enhancing energy efficiency.
    The number of people living in sub-standard conditions (due to the poor technical condition of buildings, the lack of basic technical installations or overpopulation) shall decrease by 2 million persons (from approx. 5.3 million in 2011 to approx. 3.3 million in 2030).

In order to achieve these objectives a number of activities were introduced. State of implementation is monitored in yearly report on the implementation of actions under the National Housing Programme.

Materials

National Housing Programme

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.
  3. Program for the construction of dwellings for rent (with the option to acquire ownership in selected investments) on market principles, addressed to people with moderate income who have the so-called rental capacity (financial ability to pay rent on time for a dwelling of a given size), organized by PFR Nieruchomości S.A.

Support measures for purchasing first dwelling

The "First Apartment" program consists of two instruments: a safe 2% housing loan and a Housing Account. It is addressed for those who has not and does not own a dwelling.

  1. Preferential housing loan with a fixed interest rate and a 10-year state subsidy for first-time buyers under 45.
  2. Housing savings account with a subsidy (with payment at the end of the saving period). Also available to households with at least two children whose owned dwelling meet 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 four types of assistance:

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

  1. 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 within investment B1.1.2, 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).

Materials

National Housing Programme
National​_Housing​_Programme​_27-09-2016.pdf 1.88MB 
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