The investment implemented by the Housing Cooperative “Wieniawa” in Leszno with the support of the “Lokator Flats” program is based on the cooperative formula. This means that it is a cooperative, not future residents, taking a loan for a construction. Tenants, on the other hand, pay the value of the apartment in monthly installments, which start from PLN 1037.
The system of tenant apartments has several key advantages. The first is no need to show creditworthinesswhich opens the door to their own apartment to people who could have difficulty obtaining a traditional mortgage. In addition The program guarantees access to ownership in accordance with the provisions of the Act on Housing Cooperativeswhich provides future tenants with full legal security.
The most important aspect is the fact that Each paid installment contributes directly to the purchase of the apartment – In this way, the tenant systematically increases his property participation. After a period not longer than 30 years, and possible to shorten up to 5 years, the apartment is fully owned by the tenant.
This makes this system a realistic alternative to classic mortgage loans, Especially for people who do not meet bank requirements or want to avoid long -term debt in a traditional form.
Financing and own contribution
A 24 % own contribution is required to join the program. The value of the apartment, which translates into amounts from 84 thousand. PLN up, depending on the place selected. This is the only major expense because Other construction costs are covered from a loan from Bank Gospodarstwa Krajowego.
Importantly, the cooperative does not add a development margin, which makes the offer even more financially attractive. Additionally The apartments are released with the basic finish in standard.
– We very much believe in the development of this form of housing in Poland, which is why we are the only ones for over seven years successfully in the direction of the construction of new tenant apartments, society education and improvements of the conditions for conducting investments for cooperatives – both in terms of available financing and corrections in the law that will improve the process of preparing such investments – says Monika Chełstowska, director of the program “tenant”.
– We know what else should be done so that tenant flats in Poland are not like sought -after raisins today, but one of the commonly available forms of housing and We operate in this direction so that the rulers, including the Ministry of Development and Mieszkinnie, pay attention to this – emphasizes.
Housing estate Grono – investment details
The estate in Leszno will cover 147 functional apartments, which will be commissioned as a standard, including finished walls and floors, doors, basic kitchen and bathroom equipment (stove, oven, shower, sink, toilet), balcony or garden at each apartment and the possibility of buying an individual garage.
There are also numerous amenities, such as bicycle, trolley, elevators and a common space, which will be able to choose the residents themselves.
Housing estate Grono in Leszno – visualization
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Tenants 'Flats / Tenants' Flats
The investment is located in a quiet, well -connected district of Leszno, just 4 km away from the city center. Nearby there are kindergarten, school, shops, restaurants and green areas.
Who are the tenant apartments for?
To be able to cover the apartment after its construction, you need to meet the statutory criteria for preferential loans. The basic condition is the lack of having another ownership apartment in a given commune. The second criterion is not exceeding specific income limits, which currently amount to:
- PLN 9,110.33 net per month for a lonely person,
- PLN 13,209.98 for a couple,
- PLN 15,943.08 for a family 2+1,
- PLN 18,676.18 for a family 2+2,
- PLN 3,188.62 per person in families larger than four.
How does a system of storage apartments work
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Tenants 'Flats / Tenants' Flats
“Tenant Flats” program
The “Tenants' Flats program is an initiative to support housing cooperatives throughout Poland in the construction of new apartments, using preferential financing from Bank Gospodarstwa Krajowego.
The idea of cooperative apartments has been known for years and secured by law. Now, in a modern edition using the latest solutions and technology, it is an effective solution to the housing problem in Poland.
A dedicated housing estate in Gdańsk as part of the Lokatorsk Flats Program
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Tenants 'Flats / Tenants' Flats
By working with housing cooperatives As low as possible, not burdensome in repayment monthly installments for tenants.
Housing projects in the “Tenant Flats” program may arise with the support of the commune, or without various forms of financing and subsidies. Depending on what financing type a given cooperative will choose, the criteria for reserving apartments and repayment terms are different.
Cheaper than the developer
Apartments available in the program are cheaper than developers, because cooperatives can use the best financing on the market – the loan is on preferential terms, i.e. 0 percent. margin and 2 percent WIBOR. They are also possible to obtain a subsidy from various funds significantly lowering installments for apartments.
Cooperatives do not add to the price of their margins – earning on their members is prohibited by law, so the price of an apartment is the sum of its construction costs. All this makes monthly installments for apartments lower than rental in a given location.
Maybe if more such investments were created, Poles' housing problems would decrease significantly. Until now, similar housing estates have been built as part of the “Tenants' Flats program, including in Wrocław, in Tychy and Gdańsk.
