„Mieszkanie na start" and the 0% mortgage — what happened to the subsidy programmes

As of August 2026: the 0% mortgage, known as „Mieszkanie na start” or #naStart, never came into force — the government officially abandoned the programme in December 2024. Earlier, on 2 January 2024, Bezpieczny Kredyt 2% (the state-subsidised 2% mortgage) expired, under which about 67,000 loans worth nearly PLN 30 billion were granted. The successor announced in February 2025 — the „Pierwsze klucze” pillar of the „Klucz do mieszkania” strategy — also never resulted in an enacted law: there is no application round, and the decision to abandon the subsidies was announced as early as 5 June 2025 by Deputy Prime Minister Władysław Kosiniak-Kamysz.

Three mechanisms genuinely help buyers today: the exemption from the 2% PCC (podatek od czynności cywilnoprawnych, the civil-law transaction tax) on a first apartment, the Konto Mieszkaniowe housing savings account and the Rodzinny Kredyt Mieszkaniowy with a BGK guarantee of up to PLN 100,000. The cost of money helps too: the NBP reference rate is 3.75% (after the cut of 5 March 2026) and the interest rate on new mortgages is around 5.7–5.9% — against 7–7.5% at the beginning of 2025. Below we explain what all of this means if you are planning to buy an apartment in Warszawa.

What was the #naStart loan supposed to be?

The starting point is Bezpieczny Kredyt 2%: banks accepted applications from July 2023 until 2 January 2024. According to BIK data from February 2024, about 67,000 loans worth nearly PLN 30 billion were granted (an average of about PLN 397,000) — the budget ran out after six months.

The successor was meant to be the #naStart loan. The Ministry of Development and Technology published the draft act on 16 July 2024, and applications were to be accepted from 15 January 2025. The design differed from BK2%: subsidies to the instalments for 10 years, with the resulting interest rate depending on the size of the household.

Household	Interest rate after the subsidy (per the 2024 draft)
1–2 people	1.5%
3 people	1.0%
4 people	0.5%
5 or more people	0%

The age limit of 35 was to apply to single people, while families with at least three children could join the programme even if they already owned an apartment. The draft provided for the programme to run until the end of 2027. None of these provisions, however, became binding law.

Why did the subsidy programme fall through?

The 0% mortgage was an election promise of Koalicja Obywatelska, but it split the governing coalition: Polska 2050 and Lewica opposed further demand-side subsidies from the very beginning. The main argument was the experience of BK2% — according to BIK, during the period the programme operated banks granted over 100,000 more housing loans than in the comparable earlier period, and the surge in demand coincided with double-digit price increases in the largest cities in 2023.

The matter was settled at the end of the year: the 2025 state budget set aside no funds for the subsidies, and in December 2024 the Minister of Development and Technology Krzysztof Paszyk announced that the „na Start” programme would not be implemented. The subject of the 0% mortgage was closed.

What does the lack of subsidies mean for apartment prices in Warszawa?

Subsidies act as fuel for the mass-market segment — 2023 showed as much. Their absence works the other way round: mortgage-driven demand weakened in 2024, while developers managed to expand supply, which in Warszawa grew to exceptionally high levels. The effect visible in transactions since the turn of 2024 and 2025 is a stabilisation of asking prices, corrections in places, longer selling times and real room for negotiation — also in the form of developer incentives (a parking space, a storage unit, a finishing package). We have collected detailed data on rates per square metre in our analysis of apartment prices in Warszawa.

The second factor is the cost of money — and this is where the most has changed since this text was first published. In March 2025 the NBP reference rate still stood at 5.75%, and the typical interest rate on new mortgages hovered around 7–7.5%. From May 2025 the Monetary Policy Council (RPP) ran a cycle of cuts: after the reduction of 5 March 2026 the reference rate stands at 3.75% (as of August 2026), and the interest rate on new loans has fallen to about 5.7–5.9%. Borrowing capacity is therefore gradually improving without any subsidy programme — and the market still remains more comfortable for the buyer than the one in 2023.

What about „Pierwsze klucze” and the „Klucz do mieszkania” strategy?

On 13 February 2025 the Ministry of Development and Technology presented an outline of the „Klucz do mieszkania” strategy. The emphasis shifted from subsidies to supply: the 2025 budget provided for about PLN 2.5 billion for social and municipal construction (out of some PLN 4.7 billion for housing in total), with the eventual goal of more than 40,000 social and municipal units a year.

One element of the strategy was to be the „Pierwsze klucze” pillar — subsidies to a loan for a first apartment, lowering the interest rate to about 1.5% for 10 years, but as a rule only on the secondary market; purchases from developers were to be excluded. The assumptions included planned price caps of about PLN 11,000/m² for Warszawa and four other metropolitan areas and PLN 10,000/m² for the rest of the country — none of these parameters, however, was ever enacted.

The ending turned out to be a repeat of the #naStart loan, only earlier: as soon as 5 June 2025 Deputy Prime Minister Władysław Kosiniak-Kamysz announced that work on the mortgage-subsidy component would not continue — the money is to feed the construction of housing, not demand. As of August 2026 the act does not exist, there is no application round and no bank accepts applications.

What support already works today?

Regardless of the fate of successive programmes, several real mechanisms are already in force (as of August 2026):

• Exemption from PCC on a first apartment. As standard, when buying on the secondary market you pay a 2% tax on civil-law transactions — on an apartment costing PLN 600,000 that is PLN 12,000. If you are buying your first apartment (you have not previously owned residential property), since 31 August 2023 you are exempt from PCC and pay PLN 0.
• Konto Mieszkaniowe. Introduced by the act of 26 May 2023 on state support for saving for housing purposes: regular deposits (from PLN 500 to PLN 2,000 a month) build up an entitlement to a housing bonus linked to price growth or inflation.
• Rodzinny kredyt mieszkaniowy (the BGK guarantee). If the own contribution is the barrier, BGK can guarantee up to 20% of the purchase cost (a maximum of PLN 100,000). On top of that comes the „family repayment”: PLN 20,000 when the family grows by a second child and PLN 60,000 on a third or subsequent child.

How to buy an apartment without a subsidy programme

1. Do not build your plan around a programme that does not exist. The history of #naStart and „Pierwsze klucze” shows that announcements can collapse over years. Base your decision on your own borrowing capacity and on real transaction prices.
2. Negotiate. Large supply and slower sales are arguments on your side — on the secondary market the gap between the asking price and the transaction price often reaches several percent, while when buying an apartment from a developer the negotiation is rather about the package: the finish, a parking space, the payment schedule.
3. Compare at least 3 banks. A difference of 0.3 percentage points in the margin on a PLN 500,000 loan over 25 years is about PLN 25,000–30,000 in interest over the whole repayment period. We describe the entire process in our guide on how to buy an apartment with a mortgage in Warszawa.
4. Check what you are entitled to. The PCC exemption, the Konto Mieszkaniowe or the BGK own-contribution guarantee can genuinely change your purchase budget.
5. Count scenarios, not emotions. If you are still waiting for a new subsidy programme, set the potential gain against the risk of price changes and the cost of renting while you wait.

If you want to go through this process calmly and on the numbers, at allproperty we help from choosing the apartment through to completion: on a purchase from the primary market we charge the buyer no commission (0%), while on the secondary market the commission is 2%. Write or call — we will work through the „buy now vs wait” scenario with you for the specific apartments you are interested in. That kind of calculation often happens in the evening, while comparing offers from several banks — which is why we work 24/7 and answer the phone on +48 666 866 468 or +48 692 649 839 at night and at weekends too.