Buying an apartment in Poland often comes up against one problem - Many have income and creditworthiness, This program was created for exactly these situations. In this article I explain in simple language:<\/p>\n\n\n\n No advertising or bank fluff.<\/p>\n\n\n\n Rodzinny Kredyt Mieszkaniowy is a state program of Poland, The deposit is guaranteed by a state bank. It is important to understand:<\/p>\n\n\n\n \ud83d\udc49 The state does NOT give cash in hand Thanks to this, the bank can issue a loan even without your savings.<\/p>\n\n\n\n The main limitation of the program:<\/p>\n\n\n\n maximum guarantee - 100,000 z\u0142<\/strong><\/p>\n\n\n\n It means:<\/p>\n\n\n\n If you buy without any down payment at all - Why? Apartment 500,000 z\u0142<\/strong> Apartment 600,000 z\u0142<\/strong> Apartment 1,000,000 z\u0142<\/strong> There is one more limit.<\/p>\n\n\n\n Sum:<\/p>\n\n\n\n cannot exceed 200,000 z\u0142<\/strong><\/p>\n\n\n\n Therefore, the maximum price of real estate is: This is a regular mortgage:<\/p>\n\n\n\n The program only replaces the fee.<\/p>\n\n\n\n They can:<\/p>\n\n\n\n If you are just a couple without children - At the time of submission:<\/p>\n\n\n\n You cannot have:<\/p>\n\n\n\n Exceptions: You can have an apartment if it is small:<\/p>\n\n\n\n Then you can buy a bigger one.<\/p>\n\n\n\n Can receive:<\/p>\n\n\n\n Income must be:<\/p>\n\n\n\n Important:<\/p>\n\n\n\n Program does not improve creditworthiness<\/strong>.<\/p>\n\n\n\n If the bank does not give regular mortgage<\/a> \u2014 Can:<\/p>\n\n\n\n It is forbidden:<\/p>\n\n\n\n Housing should be for yourself.<\/p>\n\n\n\n The apartment must have a suitable Limits:<\/p>\n\n\n\n If the apartment is above the limit - Even if it is 1 z\u0142 more expensive.<\/p>\n\n\n\n This is one of the best parts of the program.<\/p>\n\n\n\n If a child is born after the purchase:<\/p>\n\n\n\n This money: Important:<\/p>\n\n\n\n There is one direct payment for the guarantee:<\/p>\n\n\n\n 1% from the guarantee amount<\/strong><\/p>\n\n\n\n Example: If the guarantee is 60,000 z\u0142 Usually: Currently participating:<\/p>\n\n\n\n The list may change.<\/p>\n\n\n\n Honestly, as a realtor.<\/p>\n\n\n\n Not every apartment can be bought.<\/p>\n\n\n\n There is less choice.<\/p>\n\n\n\n Without a down payment the loan is larger.<\/p>\n\n\n\n The bank checks carefully.<\/p>\n\n\n\n If:<\/p>\n\n\n\n Then the program really helps you buy a home faster.<\/p>\n\n\n\n Don't start by looking for an apartment.<\/p>\n\n\n\n At first:<\/p>\n\n\n\n
no down payment.<\/a><\/strong><\/p>\n\n\n\n
but collecting 50-100 thousand zlotys can be difficult.<\/p>\n\n\n\n
Rodzinny Kredyt Mieszkaniowy (RKM)<\/strong>.<\/p>\n\n\n\n\n
\ud83c\udfe6 Who is Rodzinny Kredyt Mieszkaniowy<\/h1>\n\n\n\n
which allows you to take out a mortgage without your own down payment<\/strong>.<\/p>\n\n\n\n
BGK (Bank Gospodarstwa Krajowego).<\/strong><\/p>\n\n\n\n
\ud83d\udc49 This is a regular mortgage loan
\ud83d\udc49 The state simply guarantees your contribution to the bank.<\/p>\n\n\n\n\ud83d\udcb0 Maximum guarantee and apartment price<\/h1>\n\n\n\n
maximum cost of an apartment 500,000 z\u0142<\/strong><\/p>\n\n\n\n
20% from 500,000 = 100,000 z\u0142
This is the maximum guarantee of the state.<\/p>\n\n\n\nExamples<\/h3>\n\n\n\n
You can buy without a down payment.<\/p>\n\n\n\n
20% = 120,000 z\u0142
Guarantee is only 100,000
\u2192 you need to have 20,000 z\u0142 of your own<\/p>\n\n\n\n
20% = 200,000 z\u0142
100,000 guarantee
100,000 of my own money<\/p>\n\n\n\n\ud83c\udfe0 Maximum real estate price<\/h1>\n\n\n\n
\n
\n
about 1,000,000 z\u0142<\/strong><\/p>\n\n\n\n\ud83d\udccb Key terms of the 2026 program<\/h1>\n\n\n\n
\n
\n
\ud83d\udc64 Who can get RKM?<\/h1>\n\n\n\n
Marital status<\/h2>\n\n\n\n
\n
The program is unavailable.<\/p>\n\n\n\nReal estate in ownership<\/h2>\n\n\n\n
\n
if the share up to 50% was received by inheritance
and you don't live there.<\/p>\n\n\n\nFamilies with children are an exception<\/h3>\n\n\n\n
\n
Income and documents<\/h2>\n\n\n\n
\n
\n
Creditworthiness<\/h2>\n\n\n\n
RKM won't give it either.<\/p>\n\n\n\n\ud83c\udfd8 What can you buy with RKM?<\/h1>\n\n\n\n
\n
\n
\ud83d\udcca Price limits per m\u00b2 (very important)<\/h1>\n\n\n\n
price limit per m\u00b2.<\/p>\n\n\n\n\n
the bank will refuse.<\/p>\n\n\n\n\ud83d\udc76 Family payment is a bonus from the state<\/h1>\n\n\n\n
\n
go straight to the bank
reduce the loan<\/p>\n\n\n\n\n
after receiving additional payment<\/li>\n<\/ul>\n\n\n\n\ud83d\udcb8 How much does it cost to participate in the program?<\/h1>\n\n\n\n
guarantee of 100,000 z\u0142
payment = 1,000 z\u0142 (one-time)<\/p>\n\n\n\n
payment = 600 z\u0142<\/p>\n\n\n\nOther expenses<\/a> as with a regular mortgage<\/h2>\n\n\n\n
\n
1% \u2013 5% of the apartment price<\/strong><\/p>\n\n\n\n\ud83c\udfe6 Banks with the RKM program (2026)<\/h1>\n\n\n\n
\n
\u26a0\ufe0f Disadvantages of the program<\/h1>\n\n\n\n
Price restrictions<\/h3>\n\n\n\n
Few banks<\/h3>\n\n\n\n
Payment is higher<\/h3>\n\n\n\n
Checks are stricter<\/h3>\n\n\n\n
\ud83d\udca1 When RKM is a great solution<\/h1>\n\n\n\n
\n
\ud83e\udde0 My advice as a practitioner<\/h1>\n\n\n\n