{"id":546,"date":"2026-07-30T11:06:33","date_gmt":"2026-07-30T08:06:33","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=546"},"modified":"2026-07-30T11:06:36","modified_gmt":"2026-07-30T08:06:36","slug":"novye-limity-czen-po-programme-rodzinny-kredyt-mieszkaniowy-rkm-na-ii-kvartal-2026-goda-polnyj-spisok-po-vsem-voevodstvam","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/novye-limity-czen-po-programme-rodzinny-kredyt-mieszkaniowy-rkm-na-ii-kvartal-2026-goda-polnyj-spisok-po-vsem-voevodstvam\/","title":{"rendered":"New price limits under the Rodzinny Kredyt Mieszkaniowy (RKM) program for the second quarter of 2026 \u2013 a complete list for all voivodeships"},"content":{"rendered":"<h2 class=\"wp-block-heading\">What has changed in the &quot;Rodzinny Kredyt Mieszkaniowy&quot; (Family Loan) program in the second quarter of 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are planning to buy an apartment or house in Poland without a down payment, you should pay attention to the government program <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\"><strong>Rodzinny Kredyt Mieszkaniowy (RKM)<\/strong>.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Came into force on April 1, 2026 <strong>new property value limits<\/strong>, which will act <strong>in the second quarter of 2026<\/strong>. These limits determine whether the selected apartment will be eligible for the program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank <a href=\"https:\/\/www.bgk.pl\/\" target=\"_blank\" rel=\"noopener\">Gospodarstwa Krajowego (BGK)<\/a> published updated housing cost indicators for all voivodeships of Poland.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article we will examine in detail:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is a program?<a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\"> Rodzinny Kredyt Mieszkaniowy<\/a>;<\/li>\n\n\n\n<li>who can get it <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">credit<\/a>;<\/li>\n\n\n\n<li>Why do cost limits exist?;<\/li>\n\n\n\n<li>What limits are in effect in the second quarter of 2026?;<\/li>\n\n\n\n<li>How to check if the chosen apartment is suitable.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">What is Rodzinny Kredyt Mieszkaniowy?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">Rodzinny Kredyt Mieszkaniowy (R\u041a\u041c)<\/a><\/strong> \u2014 is a government program to support homebuyers, allowing them to obtain a mortgage loan. <strong>without your own down payment<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the buyer does not have savings for the down payment, the state <a href=\"https:\/\/www.bgk.pl\/\" target=\"_blank\" rel=\"noopener\">BGK <\/a>provides the bank with a guarantee that replaces the borrower&#039;s own funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Detailed terms of the program have been published. <a href=\"https:\/\/www.bgk.pl\/\" target=\"_blank\" rel=\"noopener\">BGK<\/a>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Who can use the program?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The program is designed for buyers who meet the bank&#039;s and legal requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a rule, it is necessary:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>have sufficient creditworthiness;<\/li>\n\n\n\n<li>buy housing for your own housing needs;<\/li>\n\n\n\n<li>meet the program requirements in effect at the time of application.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It should be remembered that in addition to the terms of the program itself, each bank additionally evaluates the borrower&#039;s solvency.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why are there cost limits?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most important points.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is not possible to purchase any apartment under the program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For each region of Poland <a href=\"https:\/\/www.bgk.pl\/\" target=\"_blank\" rel=\"noopener\">BGK <\/a>sets <strong>the maximum cost of one square meter of housing<\/strong>, which can be financed under the program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the price of the apartment exceeds the established limit, use <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">Rodzinny Kredyt Mieszkaniowy<\/a> It&#039;s no longer possible. The limits are reviewed every quarter.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why are there two limits for one region?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The table published by BGK indicates two housing price limits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>coefficient 1.4<\/strong> - applies upon purchase <strong>apartments on the primary market<\/strong> (from the developer);<\/li>\n\n\n\n<li><strong>coefficient 1.3<\/strong> - applies upon purchase <strong>apartments on the secondary market<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, when choosing real estate, it is important to focus on the limit that corresponds to the type of housing being purchased.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Housing price caps for the second quarter of 2026<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Below are the maximum prices per 1 m\u00b2 published by BGK.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pomeranian Voivodeship (Pomorskie)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Primary market (coefficient 1.4)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gdansk<\/strong> \u2014 <strong>13,524.00 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Gda\u0144sk<\/strong> \u2014 <strong>12,178.95 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,833.90 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Secondary market (coefficient 1.3)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gdansk<\/strong> \u2014 <strong>12,558.00 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Gda\u0144sk<\/strong> \u2014 <strong>11,309.03 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,060.05 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Masovian Voivodeship (Mazowieckie)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Primary market (1.4)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Warsaw<\/strong> \u2014 <strong>16,167.42 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Suburbs of Warsaw<\/strong> \u2014 <strong>12,459.50 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,382.92 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Secondary market (1.3)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Warsaw<\/strong> \u2014 <strong>15,012.61 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Suburbs of Warsaw<\/strong> \u2014 <strong>11,569.53 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,641.28 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Lesser Poland Voivodeship (Ma\u0142opolskie)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Primary market (1.4)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Krakow<\/strong> \u2014 <strong>13,692.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Suburbs of Krakow<\/strong> \u2014 <strong>11,597.04 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,664.20 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Secondary market (1.3)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Krakow<\/strong> \u2014 <strong>12,714.65 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Suburbs of Krakow<\/strong> \u2014 <strong>10,768.68 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,973.90 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Dolno\u015bl\u0105 Voivodeship (Dolno\u015bl\u0105skie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (coefficient 1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wroclaw<\/strong> \u2014 <strong>14,438.90 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Wroclaw<\/strong> \u2014 <strong>12,642.35 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,845.80 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (coefficient 1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wroclaw<\/strong> \u2014 <strong>13,407.55 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Wroclaw<\/strong> \u2014 <strong>11,739.33 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,071.10 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Kuyavian-Pomeranian Voivodeship (Kujawsko-Pomorskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bydgoszcz<\/strong> \u2014 <strong>10,299.10 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Torun<\/strong> \u2014 <strong>9,974.30 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Bydgoszcz<\/strong> \u2014 <strong>9,427.25 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Toru\u0144<\/strong> \u2014 <strong>9,264.85 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,555.40 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bydgoszcz<\/strong> \u2014 <strong>9,563.45 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Torun<\/strong> \u2014 <strong>9,261.85 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Bydgoszcz<\/strong> \u2014 <strong>8,753.88 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Toru\u0144<\/strong> \u2014 <strong>8,603.08 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>7,944.30 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Lublin Voivodeship (Lubelskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lublin<\/strong> \u2014 <strong>11,512.56 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Lublin<\/strong> \u2014 <strong>9,985.43 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,458.31 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lublin<\/strong> \u2014 <strong>10,690.24 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Lublin<\/strong> \u2014 <strong>9,272.19 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>7,854.15 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Lubusz Voivodeship (Lubuskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gorzow Wielkopolski<\/strong> \u2014 <strong>12,131.00 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Zielona Gora<\/strong> \u2014 <strong>12,131.00 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Gorz\u00f3w Wielkopolski<\/strong> \u2014 <strong>11,515.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Zielona G\u00f3ra<\/strong> \u2014 <strong>11,515.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,900.40 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gorzow Wielkopolski<\/strong> \u2014 <strong>11,264.50 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Zielona Gora<\/strong> \u2014 <strong>11,264.50 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Gorz\u00f3w Wielkopolski<\/strong> \u2014 <strong>10,693.15 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Zielona G\u00f3ra<\/strong> \u2014 <strong>10,693.15 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,121.80 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Lodz Voivodeship (\u0141\u00f3dzkie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lodz<\/strong> \u2014 <strong>9,870.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Lodz<\/strong> \u2014 <strong>9,037.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,204.70 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lodz<\/strong> \u2014 <strong>9,165.65 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Lodz<\/strong> \u2014 <strong>8,392.15 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>7,618.65 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Opole Voivodeship (Opolskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Opole<\/strong> \u2014 <strong>9,358.12 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Opole<\/strong> \u2014 <strong>8,457.22 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>7,556.30 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Opole<\/strong> \u2014 <strong>8,689.68 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Opole<\/strong> \u2014 <strong>7,853.13 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>7,016.57 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Subcarpathian Voivodeship (Podkarpackie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rzeszow<\/strong> \u2014 <strong>11,258.10 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Rzesz\u00f3w<\/strong> \u2014 <strong>10,227.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,197.30 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rzeszow<\/strong> \u2014 <strong>10,453.95 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Rzesz\u00f3w<\/strong> \u2014 <strong>9,497.15 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,540.35 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Podlaskie Voivodeship<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bialystok<\/strong> \u2014 <strong>10,548.30 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Bia\u0142ystok<\/strong> \u2014 <strong>10,121.30 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,694.30 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bialystok<\/strong> \u2014 <strong>9,794.85 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Bia\u0142ystok<\/strong> \u2014 <strong>9,398.35 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,001.85 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Silesian Voivodeship (\u015al\u0105skie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Katowice<\/strong> \u2014 <strong>10,967.60 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Katowice<\/strong> \u2014 <strong>10,306.10 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,644.60 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Katowice<\/strong> \u2014 <strong>10,184.20 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Katowice<\/strong> \u2014 <strong>9,569.95 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,955.70 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u015awi\u0119tokrzyskie Voivodeship<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kielce<\/strong> \u2014 <strong>10,728.23 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Kielce<\/strong> \u2014 <strong>9,935.46 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,142.70 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kielce<\/strong> \u2014 <strong>9,961.93 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Kielce<\/strong> \u2014 <strong>9,225.79 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>8,489.65 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Warmian-Masurian Voivodeship (Warmi\u0144sko-Mazurskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Olsztyn<\/strong> \u2014 <strong>11,888.80 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Olsztyn<\/strong> \u2014 <strong>10,867.50 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,846.20 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Olsztyn<\/strong> \u2014 <strong>11,039.60 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Olsztyn<\/strong> \u2014 <strong>10,091.25 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,142.90 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Greater Poland Voivodeship (Wielkopolskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Poznan<\/strong> \u2014 <strong>13,802.60 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Pozna\u0144<\/strong> \u2014 <strong>11,835.95 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,869.30 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Poznan<\/strong> \u2014 <strong>12,816.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Pozna\u0144<\/strong> \u2014 <strong>10,990.53 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>9,164.35 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">West Pomeranian Voivodeship (Zachodniopomorskie)<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Primary market (1.4)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Szczecin<\/strong> \u2014 <strong>12,212.20 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Szczecin<\/strong> \u2014 <strong>11,508.70 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,805.20 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Secondary market (1.3)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Szczecin<\/strong> \u2014 <strong>11,339.90 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>Communes bordering Szczecin<\/strong> \u2014 <strong>10,686.65 z\u0142\/m\u00b2<\/strong><\/li>\n\n\n\n<li><strong>The rest of the voivodeship<\/strong> \u2014 <strong>10,033.40 z\u0142\/m\u00b2<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">All the limits indicated are in accordance with the official document of the BGK in force <strong>in the second quarter of 2026<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How to check if an apartment is suitable <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">R\u041a\u041c<\/a>?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, it is not enough to simply look at the price of an apartment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is necessary to take into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>price per square meter;<\/li>\n\n\n\n<li>location of the property;<\/li>\n\n\n\n<li>object category;<\/li>\n\n\n\n<li>applied coefficient;<\/li>\n\n\n\n<li>requirements of a specific bank.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, even if the apartment seems suitable, it is better to carry out a final inspection before signing the contract.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Should we wait until the next quarter?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Cost limits are updated every three months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In some regions they grow in line with the real estate market, while in others they may remain virtually unchanged.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#039;ve already found a suitable apartment, don&#039;t expect the limit to go up next quarter.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Results<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Program <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">Rodzinny Kredyt Mieszkaniowy<\/a><\/strong> 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the program can only be used if all conditions are met, including <strong>real estate value limits<\/strong>, which BGK updates quarterly. In Q2 2026, the highest limits apply in Warsaw, Wroclaw, Poznan, Krakow, and Gdansk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Need help with a mortgage under the program <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">R\u041a\u041c<\/a>?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">I help clients all over Poland get <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage loan<\/a>, including under the state program <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/rodzinny-kredyt-mieszkaniowy-rkm-2026-kak-kupit-kvartiru-v-polshe-bez-pervonachalnogo-vznosa\/\" data-type=\"post\" data-id=\"425\">Rodzinny Kredyt Mieszkaniowy<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By contacting me, you will receive full support at every stage of the mortgage process. I:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I&#039;ll check yours for free <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kreditosposobnost-v-polshe-v-1-kvartale-2026-goda-skolko-realno-dayut-banki\/\" data-type=\"post\" data-id=\"497\">creditworthiness<\/a>;<\/li>\n\n\n\n<li>I will determine whether the selected apartment is suitable for the RCM program;<\/li>\n\n\n\n<li>I will compare offers from different banks and help you choose the most profitable one;<\/li>\n\n\n\n<li>I will prepare all the necessary documents;<\/li>\n\n\n\n<li>I will support you until you receive a positive decision from the bank and sign the loan agreement.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Contact me, and I&#039;ll help you find the best mortgage, check your property&#039;s compliance with the RCM program, and help you navigate the entire process as quickly and stress-free as possible.<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>What has changed in the &quot;Rodzinny Kredyt Mieszkaniowy&quot; (Family Loans) program in the second quarter of 2026? If you are planning to buy an apartment or house in<\/p>","protected":false},"author":1,"featured_media":547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=546"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/546\/revisions"}],"predecessor-version":[{"id":548,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/546\/revisions\/548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/547"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}