The Parliament almost unanimously adopted on Thursday amendments to the law on state aid in the purchase of a first home for young people. It is on the basis of work for over a year the program “apartment for the young” (“MdM”), which according to the government is one of the five pillars of family policy.
Who higher surcharge
The problem is that so far from the mark for the purchase of a new apartment rarely benefited families with more than one child. The government hopes that it will use them more readily when they are able to count on greater injection of cash. Therefore, marriage and those with two children will receive a subsidy of 20 percent. price of the apartment, and having a larger number of offspring will be awarded with a 30-percent surcharge. Note that currently, in both cases it amounts to 15 percent. There is still an additional 5 percent surcharge, but it is addressed to families in which within five years of purchase apartments will be born third or subsequent child.
That’s not all. The Act, among others, increases from 50 to 65 sq. m flat surface on which the payment is calculated for individuals and families with at least three children. Moreover, in this case, cease to apply condition “first home”, which means that, thanks to budget large families surcharge will be able to swap their homes with larger ones. While their surface still could not exceed 85 sq. M, and the house – 110 sq. M (for other standard or crocheted fabrics is 10 sq m. Lower).
In practice, this means that buying in Warsaw 85-square meter apartment fulfill criteria for pricing program, the family will get from the state approx. 116.8 thousand. zł, an increase of 71.9 thousand. zł more than today.
Can not be enough money
In addition, the program will be extended to the secondary market. Initially, the government was opposed to it, but under pressure from the opposition (especially PiS) PO deputies brought the relevant amendment. It should gladden plan to buy their first apartment in localities where there is no development investments. But not everywhere thanks to this amendment will improve the availability of housing that can get subsidy budget. The problem is that the price must not exceed the statutory limit. In the case of new housing will be higher than for flats bought second-hand. Eg. In Warsaw budget mark-up you may now get a loan to buy a new apartment, whose price does not exceed zł 6,588.3 per sq m. Used and would have cost no more than approx. 5390.4 zł. The data service Domiporta.pl show that this condition has only the price is less than 2 percent. of apartments sold on the Warsaw secondary market. The situation is similar in Krakow and Wroclaw. There, developers probably will not notice much competition from sellers of used homes, if they do not opt for a radical reduction in prices.
But there are town – such. Lodz and Katowice – where most apartments will be used to get government funding. Companies that have started to invest with apartments falling within the limit, “MdM”, so they can feel the outflow of customers to the secondary market. This can be a nail in the coffin for the emerging development market in smaller cities. Note that the subsidies will also be able to benefit from cooperative housing buyers, and these often provide an apartment cheaper than developers.
Despite this, experts point to the danger of rising prices cheapest apartments. The number of applicants for payment may in fact increase rapidly and will apply the principle of “first come, first served” basis. But the pool of money for subsidies is limited. Eg. For this year is 715 million zł. Program manager of the National Economy Bank announced that after five months has yet approx. 440 million zł.
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