Two years after the elections, however, the balance of these announcements looks much more modest. Real estate prices are rising faster than ever, the rental market is bursting at the seams, and government support programs – including rental subsidies – have still not advanced beyond the announcement and analysis phase. Credit 0 percent was perceived within the coalition itself as raising prices, and social and municipal construction did not receive the promised impulse.
The coalition that was supposed to lay the foundations for a new housing order got bogged down in inter-ministerial tenders for responsibility. After two years, it is clear that instead of a revolution, we have a makeshift solution – one in which even an additional payment of PLN 600 remains only a promise from the campaign catalog of dreams.
Which of the four points from the “100 specifics” regarding real estate have been fully implemented? There is one answer – none! And what has been done to implement them?
Postulates from Tusk's “100 specifics”.
- Specific No. 90.* In order for more apartments to be built in Poland, we will release the land of state-owned companies and the National Real Estate Resource, especially those that went to KZN for the needs of the Mieszkanie Plus program. The PiS program turned out to be a disaster.
At the end of January Ministry of Development and Technology (MRiT) submitted a draft act (number UA10) on solutions for inter-ministerial consultations increasing the availability of land for housing construction. What can you read in the project prepared by Minister Krzysztof Paszyk? The act would free land for housing construction (especially in cities), restore perpetual usufruct for housing purposes, simplify planning procedures and integrated investment plans, abolish some investor obligations (e.g. regarding parking lots, recreational areas), facilitate the division of plots, extend land purchase deadlines, take over unused land of State Treasury companies for housing purposes, speed up investment processes (limiting lengthy appeals), clarify the rules for investor participation in road construction and introduce a new template for the certificate of qualifications of property appraisers (also in the mObywatel application).
As we read on the government website, the project was to be adopted by the Council of Ministers in the second quarter of 2025.
- Concrete No. 91*. We will introduce a loan with a 0% interest rate. for the purchase of the first apartment.
The Ministry of Development and Technology submitted an application for entry into the list of legislative works of the Council of Ministers of the draft act on the “#naStart housing loan”.**
What did the Prime Minister himself say about the demand? “We are talking about a citizen's basic right to housing. If there is a family where two people work, they must afford an apartment. The 0% loan program is a realization of the statement that housing is a right, not a commodity,” we read on the website of the Civic Platform. The party's announcements include the following provisions:
- We will introduce a loan with a 0% interest rate. for the purchase of the first apartment
- The program will be available to people up to 45 years of age
- The state will pay for your interest and the bank's margin
- Instead of interest, you will repay the principal immediately
- Creditworthiness will be achieved by two people earning the minimum wage. You just need to work to get an apartment
The postulate also assumed the introduction of a 0% loan. for apartment renovation.
However, the project was highly controversial and caused conflicts even within the coalition. He was accused of, among other things, increasing real estate prices even more and serving the same developers. After the announcement of the 2025 budget Minister of Funds and Regional Policy Katarzyna Pełczyńska-Nałęcz she then wrote on social media: “Good news: the budget includes PLN 0 for a 0% loan.” The project, which was supposed to be an improved version of the Safe 2% Credit program, ultimately failed. The Ministry of Development and Technology announced work on a new idea.
- Specific No. 92*. We will introduce a PLN 600 subsidy for renting an apartment for young people.
The Civic Coalition announced the introduction of a rental subsidy program, under which it was planned to grant PLN 600 in subsidies for renting an apartment.
The proposal would cover everyone who does not have their own apartment. Differences within the ruling coalition in their approach to housing policy meant that the idea remained just an idea for now.
- Specific No. 93*. We will allocate PLN 10 billion for the revitalization and renovation of vacant buildings in the resources of Polish local governments, and we will allocate PLN 3 billion annually to co-finance new projects in the TBS model as well as the renovation and expansion of urban housing resources.
The Ministry of Development and Technology conducts intra-ministerial arrangements.**
In July 2025, it came into force amendment to the Act on social forms of housing development and certain other acts. The new regulations increase the maximum limit of state budget expenditure from which the Subsidy Fund can be supplied – both under the social and municipal housing program (BSK) and social rental housing (SBC).
According to the government's assumptions, expenditure for these purposes will increase already in 2025 from PLN 4.5 billion to PLN 7 billion. Further increases are expected in the following years: to approximately PLN 6 billion in 2026, PLN 6.86 billion in 2027, PLN 8 billion in 2028, PLN 9 billion in 2029, to reach PLN 10 billion in 2030 – in line with previous government announcements.
The government hopes that additional funds will contribute to accelerating the modernization and adaptation of municipal vacant buildings. According to estimates of the Ministry of Development and Technology, up to 75,000 could return to the housing stock by 2030. renovated premises.
In March 2025, the Council of Ministers approved the draft law regarding social forms of housing development. This initiative aims to increase financial support for local governments and investors involved in social and municipal construction. According to the plan, by the end of 2025, at least PLN 2.5 billion will be allocated to municipalities for investments in municipal apartments and premises for cheap rent.
The government's assumptions predict that thanks to these funds it will be possible to build and develop approximately 15,000. premises for rent at much lower costs than in the market sector – as part of projects implemented by municipalities, Social Housing Associations and housing cooperatives.
So it seems that two years after the elections, the housing promises of the “October 15 coalition” still remain largely only on paper. The government has not implemented any of the four key points of housing policy.
* numbering consistent with the order on the official website 100konkretow.pl
** registration from the official website 100konkretow.pl
