The government is keen for as many Poles as possible to have a stable housing situation. Currently, many families can afford to take out a loan for a flat or build a house, but the obstacle is own contribution. Therefore, one of the main topics discussed during the last meeting of the Council of Policy Advisers were the draft laws already adopted by the Council of Ministers: on guaranteed housing loan and on repayments of such a loan made in connection with the enlargement of households and on amendments to the Construction Law and the Law on Planning and Spatial Development, submitted by the Minister of Economic Development and Technology. These are key projects that implement the assumptions of the Polish Deal.

• A flat without own contribution

The Polish Deal addresses the difficulties and increases the availability of financing for one’s own flat. This solution will cover three groups of people:

• those who want to buy their first flat at the primary housing market,
• those who are looking for a flat on the secondary social market,
• those who want to build their own home.

Through the Bank Gospodarstwa Krajowego, the state will guarantee an own contribution of up to 20 per cent up to PLN 100,000 for at least 15 years. The solution will be addressed to the young, i.e. persons between 24 and 40.

Notably, after the birth of the second child, a family with a guaranteed loan could obtain up to PLN 20,000 of non-repayable co-funding; after the birth of the third child, it would be up to PLN 60,000; and the fourth and subsequent child – up to PLN 20,000 (in proportion to the guarantee granted earlier).

• A house of up to 70 m2 without formalities

Saving time and money – it will guarantee the reduction of formalities in the construction of houses up to 70 m2. After the changes, construction will be possible without a permit, manager and construction logbook. The construction process will be shortened even by several weeks. In this way, we will eliminate redundant formalities. What is important, it also means savings for the investor – at least several thousand zlotys.

The Council of Policy Advisers is an advisory body to the Prime Minister. Twenty-one persons were appointed to the Council in March 2021. They are specialists in various fields, experienced in both parliamentary and local government work.

The main tasks of the Council of Political Advisers include assessing the political and economic situation of the country, particularly in crises. In addition, members of the Council are involved in presenting proposals, assessments and opinions on political and strategic objectives for the development of the country and the directions of domestic and foreign policy to ensure the growth of the international position of Poland and the prosperity of its citizens.