Do you want an apartment without your own contribution? We checked where it is still possible [ANALIZA]
Although the government withdrew from subsidizing installments under the “2% Safe Credit”, left the mechanism of state guarantees of own contribution. The program is intended to help people who have creditworthiness but have not collected the 10-20 percent required by banks. real estate values.
— The government has left the “Apartment without own contribution” program, which is intended to enable people without any starting savings to purchase a flat, but Meeting the statutory conditions turns out to be very difficult in practice – emphasizes Marek Wielgo, expert of the RynekPierwotny.pl portal.
Data from Bank Gospodarstwa Krajowego show that in 2025, approximately 19.4 thousand people benefited from the state guarantee of own contribution. borrowers. For comparison, banks probably granted over PLN 235,000 during that time. housing loans. This means that loans without own contribution remain a niche solution.
Loans without a deposit January 2026: price limits
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Primary Market
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The limits on the price of an apartment and square meter are the biggest barrier
The first limitation is guarantee amount. The state can guarantee a maximum of 100,000. PLN for 20 percent own contribution. If the buyer has e.g. 15 percent. apartment price, the guarantee will cover the missing 5%. If you have no savings at all, you must stay within the limit of PLN 200,000. zloty. In practice, this means that a person without home equity should look for an apartment for approximately PLN 500,000. zloty.
The second – and often even more serious – limitation is price limits per square meter, set every six months by voivodes. For the primary market, they are slightly higher than for the secondary market, but they often differ significantly from real prices in the largest cities.
Currently, the maximum rates for new apartments are:
- Warsaw – PLN 15,496 per square meter
- Wrocław – PLN 14,468 per square meter.
- Poznań – PLN 13,479 per square meter
- Gdańsk – PLN 13,255 per square meter.
- Kraków – PLN 13,124 per square meter
- Katowice – PLN 10,739 per square meter.
- Łódź – PLN 9,676 per square meter
— Meeting both criteria in practice means excluding most studios and small two-room apartments. So what if you can buy them for half a million zlotys, if only a few of them are within the price limit per square meter. In this respect, small spaces are usually the most expensive, notes Marek Wielgo.
Loans without a deposit January 2026: offer
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Primary Market
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Availability of apartments in the program: Poznań and Łódź are the leaders
The BIG DATA analysis of RynekPierwotny.pl shows huge differences between cities. In December, Krakow offered 195 apartments priced up to PLN 500,000. PLN and nearly 1.1 thousand premises priced below PLN 13.1 thousand PLN per square meter. However, only 21 apartments met both conditions.
For comparison, there were almost 1.1 thousand such premises in Poznań. In other metropolises the situation is as follows:
- Łódź – 760 apartments
- Gdańsk – 484 apartments
- Warsaw – 333 apartments
- Wrocław – 294 apartments
- Katowice – 254 apartments
Paradoxically, the price limit per square meter in Kraków and Gdańsk is lower than in Poznań, even though in practice prices in these cities are higher. This further limits the real availability of apartments under the program.
— It is definitely worth considering a loan without own contribution where the limits do not exclude most apartments. Today they are at the top of this list Poznań and Łódź – says the RynekPierwotny.pl expert.
Loans without a deposit January 2026
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Primary Market
Worth reading: Warsaw, Gdańsk, Kraków and Wrocław: comparison of apartment rental costs
Loan without own contribution: additional benefits and catches
Loans with guaranteed own contribution are currently granted by four banks: PKO Bank Polski, Bank Pekao SA, Alior Bank and Santander Bank.
The program also provides one-off family payments. If a second child is born during the loan repayment, the state repays PLN 20,000. PLN of capital. With the third and each subsequent child, this amount increases to PLN 60,000. zloty.
Experts emphasize, however, that the mere possibility of using the program should not obscure the basic issue – real ability to repay the obligation.
A loan without own contribution may be a chance for your own “M”, but only in selected cities and with high flexibility in terms of location and square footage.. In most metropolises, it remains a solution for the few who come across an offer that fits perfectly within the strict limits.
