Plot for PLN 1 and modular houses, ie housing policy according to political parties –

The real estate industry is slowing down and now may be the best time to consider changes to your housing strategy. Especially now that the election marathon starts next year. Here’s what each lot has to offer when it comes to housing issues.

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Young Poles still live with their parents. Does a loan without a personal contribution help?

The value of questions about home loans fell by 59.9 percent, the Credit Information Bureau said. Meanwhile, from January to May, it started at 19.5 percent. fewer new buildings, reports the Central Bureau of Statistics (GUS). Currently it is very difficult to get a loan to buy an apartment. It is significantly more expensive than a year ago and, moreover, the Polish financial regulator advised tightening credit policy. This is a good time to take stock of what the different political parties have to offer citizens in terms of housing.

All parties have a plan

Every election is won based on election promises. Parties have been rather reticent in their housing election campaigns over the past decade. Continuing the idea that started in the 90’s that the market will settle this problem on its own.

In times of economic boom, the biggest problem with housing is actually the high purchase price of a flat. However, the current international situation and the specter of the recession make renting more expensive and buying an apartment or building a house is beyond the reach of most households. There is an avalanche of housing problems.

Two decades of government housing programs show how difficult it is to meet this need. Starting with the Family in Swoim, through the Apartment for the Youth and ending with the ongoing Apartment Plus, it is clear that they do not completely solve the problems plaguing families in Poland.

After analyzing the available (current) election material, it can safely be assumed that each party has ideas for curing Polish housing in its postulates. These ideas are sometimes hidden somewhere deeper under the mass of populist promises, and are sometimes exposed as a very important social problem.

KO – Bet again on MDM

Housing ideas can be found in the official election manifesto of the Citizens’ Coalition. And they can be considered not very innovative, but safe. KO proposes to return to the Flat for the Young. The assumptions described in the postulates resemble the program that ended in 2018.

photo: mat. press releases

KO politicians propose a one-off co-financing of their own contribution. In the description of this solution, as before, young households will be rewarded. Couples up to the age of 35 (30% subsidy) and singles (10% subsidy) can benefit from the program. However, there would be no age limit for married couples with three children.

Interestingly, in the official program, the creators focus on apartments from the primary market. This is surprising, as the previously implemented MDM program only gained popularity when the secondary market was also allowed to receive state funding.

KO also places a lot of emphasis on the construction of rental apartments. Such investments would be co-financed from the budget. In addition, the intention is to transfer real estate from the Treasury to local governments and to support funds that invest in real estate for rent. It also includes the promise to establish REIT companies, i.e. companies that invest in rental apartments.

Poland 2050 – modular construction

In the case of the party led by Szymon Hołownia, it is difficult to find an official program. However, there are numerous media expressions and publications available on the main page. On the occasion of the refugee crisis, party leaders shared their ideas about restoring housing.

The postulates include state aid, so that there are 3 to 5 modular home factories in each voivodeship. Another postulate is the inventory of lands owned by the State Treasury by the National Property Resource. To determine where the segment construction of rental apartments would be available. However, these ideas are largely based on the need to shelter refugees.

Poland 2050

photo: mat. press releases

Poland 2050

The postulates include state aid, so that there are 3 to 5 modular home factories in each voivodeship.

In the context of housing, the Holownia movement also focuses on communal housing. For example, the postulates announced at the Ełk conference include a ban on the sale of new and in good condition municipal flats. This would put an end to the decline in the availability of such properties. In addition, municipal construction costs should be borne by the government, not local authorities. It is also interesting to note the problem of the disabled. If the Poland 2050 party comes to power, the disabled and people leaving foster care would be mandatorily excluded from the general rules for entering into leases. People from these groups would enter into leases on individual terms.

Links – Prohibition of eviction and state housing

The left wants to solve the problem of the housing shortage in a different way. In the official election program (from 2021), the party proposes cheap housing in installments. The assumption is as follows. A public company was to be established, which it believes would be the construction of apartments on land owned by the Treasury. The rent would not exceed 20 PLN per m2. The apartments can also be purchased in installments with a maximum interest of 3%.


photo: mat. press releases

In addition, the left would call for an end to real estate re-privatization. All claims to re-privatization would lapse. Another idea of ​​the Links is to ban eviction to the sidewalk and to uninhabitable buildings. Interestingly, the left is the only party to state in its official papers how much, according to their estimates, implementing these ideas would cost the budget. The Affordable Housing Program would cost PLN 3.8 billion. However, it is worth noting that the calculations are based on prices as of 2021, so now it would be much higher costs.

PSL – building plot for PLN 1

Housing ideas according to PSL can be found in the published program Rzeczpospolita Samorządowa. In the third act of this publication you will find a proposal for the “Land for Youth” program.

Thanks to this, people up to 35 years old can buy a building plot with state resources for a symbolic zloty. In addition, the plot must be provided with both a building permit and an energy-efficient housing plan. Is there a catch here? Yes, it is only about land outside the cities.


photo: mat. press releases

Another idea of ​​the farmers is the “Cheap flat for rent” program. Nothing is known about this program, except that it would target smaller and medium-sized cities.

Confederation – focuses on saving

It may seem that this far-right party has nothing to offer for people who want to buy an apartment or build a house. But that is not true! Housing needs can be found in the program of the party “Confederation – Polska na Nowo”.

The Confederation’s election manifesto includes postulates to halt price growth through more conservative monetary policy and increased austerity. For this, the party wants to introduce a home savings account that is exempt from tax. And the funds themselves could be deducted from the tax base with PIT.


photo: mat. press releases

The party also announces solutions that will indirectly facilitate the acquisition of an apartment and the construction of a house. For example, the deregulation of construction law and the facilitation of land-use processes in cities. The confederation also plans to abolish the capacity, transition, water and environmental tax.

PiS – further development of well-known programs

Of all the parties competing in the next election, the current PiS party has a difficult task ahead of it. On the one hand, it certainly has easier access to a lot of data, making it easier to plan real-life activities. On the other hand, it has been dealing with the housing problem for 7 years without much success.

The introduction of Mieszkanie Plus could have been a major breakthrough, but the way this program is run is untenable. There is not much left of the first assumptions. And the most important link, namely the construction of 100,000 low-cost rental apartments with the possibility of ownership in 2019, turned out to be a failed experiment. As reported by NIK in April 2022, only 15,000 units were built. such premises.

This means that in the eyes of the voters, they have not proven themselves to be a good government in terms of housing. This could drag on with them in the next election. The solutions just introduced are also received in the same way as the Mieszkanie Plus program. A loan without own contribution and the possibility to build a house without a permit. Both ideas seem like a good start for change, but were introduced too late to change the market.

Among the solutions currently announced, the PiS government proposes to extend the availability of credit without co-payment and the practical liquidation of permits for the construction of single-family homes. They are replaced by the construction notification.


photo: mat. press releases


Among the solutions currently announced, the PiS government proposes to extend the availability of credit without co-payment and the practical liquidation of permits for the construction of single-family homes. They are replaced by the construction notification.

In addition, more attention will be paid to Social Housing Initiatives, a solution comparable to TBS. Within that framework, everyone eligible for the program would contribute about 20 to 30 percent. the price of the flat, and then he could rent it for a limited time with a small rent. Then such an apartment could be bought back.

It’s a long way to the elections

2023 will be unique, because in a year’s time there will be parliamentary and local elections. The prime minister, together with the president of PiS, Jarosław Kaczyński, left for Poland and encouraged them to support their party. Opposition parties reacted similarly, announcing numerous meetings with voters during the summer break. It is clear that the election campaign has already begun.

Of course, until the elections or the start of the official campaign, individual parties can adjust and adapt their postulates to the current and future economic situation in the country. However, these should not be major changes.

Bartlomiej Baranowski,

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