What has changed in the "Rodzinny Kredyt Mieszkaniowy" (Family Loan) program in the second quarter of 2026?

If you are planning to buy an apartment or house in Poland without a down payment, you should pay attention to the government program Rodzinny Kredyt Mieszkaniowy (RKM).

Came into force on April 1, 2026 new property value limits, which will act in the second quarter of 2026. These limits determine whether the selected apartment will be eligible for the program.

Bank Gospodarstwa Krajowego (BGK) published updated housing cost indicators for all voivodeships of Poland.

In this article we will examine in detail:

• What is a program? Rodzinny Kredyt Mieszkaniowy;
• who can get it credit;
• Why do cost limits exist?;
• What limits are in effect in the second quarter of 2026?;
• How to check if the chosen apartment is suitable.

What is Rodzinny Kredyt Mieszkaniowy?

Rodzinny Kredyt Mieszkaniowy (RКМ) — is a government program to support homebuyers, allowing them to obtain a mortgage loan. without your own down payment.

If the buyer does not have savings for the down payment, the state BGK provides the bank with a guarantee that replaces the borrower's own funds.

This allows even families and single individuals who have sufficient income to repay a loan but have not yet accumulated the necessary capital to purchase real estate.

Detailed terms of the program have been published. BGK.

Who can use the program?

The program is designed for buyers who meet the bank's and legal requirements.

As a rule, it is necessary:

• have sufficient creditworthiness;
• buy housing for your own housing needs;
• meet the program requirements in effect at the time of application.

It should be remembered that in addition to the terms of the program itself, each bank additionally evaluates the borrower's solvency.

Why are there cost limits?

This is one of the most important points.

It is not possible to purchase any apartment under the program.

For each region of Poland BGK sets the maximum cost of one square meter of housing, which can be financed under the program.

If the price of the apartment exceeds the established limit, use Rodzinny Kredyt Mieszkaniowy It's no longer possible. The limits are reviewed every quarter.

Why are there two limits for one region?

The table published by BGK indicates two housing price limits:

• coefficient 1.4 - applies upon purchase apartments on the primary market (from the developer);
• coefficient 1.3 - applies upon purchase apartments on the secondary market.

Therefore, when choosing real estate, it is important to focus on the limit that corresponds to the type of housing being purchased.

Housing price caps for the second quarter of 2026

Below are the maximum prices per 1 m² published by BGK.

Pomeranian Voivodeship (Pomorskie)

Primary market (coefficient 1.4)

• Gdansk — 13,524.00 zł/m²
• Communes bordering Gdańsk — 12,178.95 zł/m²
• The rest of the voivodeship — 10,833.90 zł/m²

Secondary market (coefficient 1.3)

• Gdansk — 12,558.00 zł/m²
• Communes bordering Gdańsk — 11,309.03 zł/m²
• The rest of the voivodeship — 10,060.05 zł/m²

Masovian Voivodeship (Mazowieckie)

Primary market (1.4)

• Warsaw — 16,167.42 zł/m²
• Suburbs of Warsaw — 12,459.50 zł/m²
• The rest of the voivodeship — 10,382.92 zł/m²

Secondary market (1.3)

• Warsaw — 15,012.61 zł/m²
• Suburbs of Warsaw — 11,569.53 zł/m²
• The rest of the voivodeship — 9,641.28 zł/m²

Lesser Poland Voivodeship (Małopolskie)

Primary market (1.4)

• Krakow — 13,692.70 zł/m²
• Suburbs of Krakow — 11,597.04 zł/m²
• The rest of the voivodeship — 9,664.20 zł/m²

Secondary market (1.3)

• Krakow — 12,714.65 zł/m²
• Suburbs of Krakow — 10,768.68 zł/m²
• The rest of the voivodeship — 8,973.90 zł/m²

Dolnoślą Voivodeship (Dolnośląskie)

Primary market (coefficient 1.4)

• Wroclaw — 14,438.90 zł/m²
• Communes bordering Wroclaw — 12,642.35 zł/m²
• The rest of the voivodeship — 10,845.80 zł/m²

Secondary market (coefficient 1.3)

• Wroclaw — 13,407.55 zł/m²
• Communes bordering Wroclaw — 11,739.33 zł/m²
• The rest of the voivodeship — 10,071.10 zł/m²

Kuyavian-Pomeranian Voivodeship (Kujawsko-Pomorskie)

Primary market (1.4)

• Bydgoszcz — 10,299.10 zł/m²
• Torun — 9,974.30 zł/m²
• Communes bordering Bydgoszcz — 9,427.25 zł/m²
• Communes bordering Toruń — 9,264.85 zł/m²
• The rest of the voivodeship — 8,555.40 zł/m²

Secondary market (1.3)

• Bydgoszcz — 9,563.45 zł/m²
• Torun — 9,261.85 zł/m²
• Communes bordering Bydgoszcz — 8,753.88 zł/m²
• Communes bordering Toruń — 8,603.08 zł/m²
• The rest of the voivodeship — 7,944.30 zł/m²

Lublin Voivodeship (Lubelskie)

Primary market (1.4)

• Lublin — 11,512.56 zł/m²
• Communes bordering Lublin — 9,985.43 zł/m²
• The rest of the voivodeship — 8,458.31 zł/m²

Secondary market (1.3)

• Lublin — 10,690.24 zł/m²
• Communes bordering Lublin — 9,272.19 zł/m²
• The rest of the voivodeship — 7,854.15 zł/m²

Lubusz Voivodeship (Lubuskie)

Primary market (1.4)

• Gorzow Wielkopolski — 12,131.00 zł/m²
• Zielona Gora — 12,131.00 zł/m²
• Communes bordering Gorzów Wielkopolski — 11,515.70 zł/m²
• Communes bordering Zielona Góra — 11,515.70 zł/m²
• The rest of the voivodeship — 10,900.40 zł/m²

Secondary market (1.3)

• Gorzow Wielkopolski — 11,264.50 zł/m²
• Zielona Gora — 11,264.50 zł/m²
• Communes bordering Gorzów Wielkopolski — 10,693.15 zł/m²
• Communes bordering Zielona Góra — 10,693.15 zł/m²
• The rest of the voivodeship — 10,121.80 zł/m²

Lodz Voivodeship (Łódzkie)

Primary market (1.4)

• Lodz — 9,870.70 zł/m²
• Communes bordering Lodz — 9,037.70 zł/m²
• The rest of the voivodeship — 8,204.70 zł/m²

Secondary market (1.3)

• Lodz — 9,165.65 zł/m²
• Communes bordering Lodz — 8,392.15 zł/m²
• The rest of the voivodeship — 7,618.65 zł/m²

Opole Voivodeship (Opolskie)

Primary market (1.4)

• Opole — 9,358.12 zł/m²
• Communes bordering Opole — 8,457.22 zł/m²
• The rest of the voivodeship — 7,556.30 zł/m²

Secondary market (1.3)

• Opole — 8,689.68 zł/m²
• Communes bordering Opole — 7,853.13 zł/m²
• The rest of the voivodeship — 7,016.57 zł/m²

Subcarpathian Voivodeship (Podkarpackie)

Primary market (1.4)

• Rzeszow — 11,258.10 zł/m²
• Communes bordering Rzeszów — 10,227.70 zł/m²
• The rest of the voivodeship — 9,197.30 zł/m²

Secondary market (1.3)

• Rzeszow — 10,453.95 zł/m²
• Communes bordering Rzeszów — 9,497.15 zł/m²
• The rest of the voivodeship — 8,540.35 zł/m²

Podlaskie Voivodeship

Primary market (1.4)

• Bialystok — 10,548.30 zł/m²
• Communes bordering Białystok — 10,121.30 zł/m²
• The rest of the voivodeship — 9,694.30 zł/m²

Secondary market (1.3)

• Bialystok — 9,794.85 zł/m²
• Communes bordering Białystok — 9,398.35 zł/m²
• The rest of the voivodeship — 9,001.85 zł/m²

Silesian Voivodeship (Śląskie)

Primary market (1.4)

• Katowice — 10,967.60 zł/m²
• Communes bordering Katowice — 10,306.10 zł/m²
• The rest of the voivodeship — 9,644.60 zł/m²

Secondary market (1.3)

• Katowice — 10,184.20 zł/m²
• Communes bordering Katowice — 9,569.95 zł/m²
• The rest of the voivodeship — 8,955.70 zł/m²

Świętokrzyskie Voivodeship

Primary market (1.4)

• Kielce — 10,728.23 zł/m²
• Communes bordering Kielce — 9,935.46 zł/m²
• The rest of the voivodeship — 9,142.70 zł/m²

Secondary market (1.3)

• Kielce — 9,961.93 zł/m²
• Communes bordering Kielce — 9,225.79 zł/m²
• The rest of the voivodeship — 8,489.65 zł/m²

Warmian-Masurian Voivodeship (Warmińsko-Mazurskie)

Primary market (1.4)

• Olsztyn — 11,888.80 zł/m²
• Communes bordering Olsztyn — 10,867.50 zł/m²
• The rest of the voivodeship — 9,846.20 zł/m²

Secondary market (1.3)

• Olsztyn — 11,039.60 zł/m²
• Communes bordering Olsztyn — 10,091.25 zł/m²
• The rest of the voivodeship — 9,142.90 zł/m²

Greater Poland Voivodeship (Wielkopolskie)

Primary market (1.4)

• Poznan — 13,802.60 zł/m²
• Communes bordering Poznań — 11,835.95 zł/m²
• The rest of the voivodeship — 9,869.30 zł/m²

Secondary market (1.3)

• Poznan — 12,816.70 zł/m²
• Communes bordering Poznań — 10,990.53 zł/m²
• The rest of the voivodeship — 9,164.35 zł/m²

West Pomeranian Voivodeship (Zachodniopomorskie)

Primary market (1.4)

• Szczecin — 12,212.20 zł/m²
• Communes bordering Szczecin — 11,508.70 zł/m²
• The rest of the voivodeship — 10,805.20 zł/m²

Secondary market (1.3)

• Szczecin — 11,339.90 zł/m²
• Communes bordering Szczecin — 10,686.65 zł/m²
• The rest of the voivodeship — 10,033.40 zł/m²

All the limits indicated are in accordance with the official document of the BGK in force in the second quarter of 2026.

How to check if an apartment is suitable RКМ?

In practice, it is not enough to simply look at the price of an apartment.

It is necessary to take into account:

• price per square meter;
• location of the property;
• object category;
• applied coefficient;
• requirements of a specific bank.

Therefore, even if the apartment seems suitable, it is better to carry out a final inspection before signing the contract.

Should we wait until the next quarter?

Cost limits are updated every three months.

In some regions they grow in line with the real estate market, while in others they may remain virtually unchanged.

If you've already found a suitable apartment, don't expect the limit to go up next quarter.

Results

Program Rodzinny Kredyt Mieszkaniowy remains one of the most interesting tools for purchasing housing in Poland for those who have not yet managed to save up a down payment.

However, the program can only be used if all conditions are met, including real estate value limits, which BGK updates quarterly. In Q2 2026, the highest limits apply in Warsaw, Wroclaw, Poznan, Krakow, and Gdansk.

Need help with a mortgage under the program RКМ?

I help clients all over Poland get mortgage loan, including under the state program Rodzinny Kredyt Mieszkaniowy.

By contacting me, you will receive full support at every stage of the mortgage process. I:

• I'll check yours for free creditworthiness;
• I will determine whether the selected apartment is suitable for the RCM program;
• I will compare offers from different banks and help you choose the most profitable one;
• I will prepare all the necessary documents;
• I will support you until you receive a positive decision from the bank and sign the loan agreement.

Contact me, and I'll help you find the best mortgage, check your property's compliance with the RCM program, and help you navigate the entire process as quickly and stress-free as possible.