Accommodation for clever. In March run out of money for “Apartment for the young” – Politics

History of the “House for the young” is a proof that our country has absolutely no long-term strategy to solve the basic problem of the real estate market. As people setting families have the Polish salary to live on her?

first tried for several years to subsidize mortgage installments under the “Family on its own”. When this proved too expensive for the budget, “Family” has replaced “Apartment for the young,” or one-time grant, paid when taking out a loan.

To the modest program budget too quickly exhausted, the previous government first restricted it only to new housing. When it turned out that the applicants is missing, because in many places Polish developers have nothing at all build and expensive apartments in Warsaw or Krakow for payments do not qualify, made another volte-face.

Just before last year’s elections to the program included in the secondary market, or premises used. As a result, “Apartment for the young” has a completely different issue – the money in the program suddenly is not too much, but too little. Banks already longer accept applications for subsidies for this year, he was allocated the majority of the 730 million zł, which Booked in this year’s budget for MdM.

This is the policy for young buyers apartment. Enjoy smart, who know when to apply, and not those who really need help. Officially, the public money had to be supported mainly families with children. Meanwhile, statistics show that in 2015. From 27 thousand. those who received payments under the MdM, more than 20 thousand. No children are not enough.

Let us add to the list of absurdities have price limits, set in a marvelous way. In some cities of the payment qualifies the vast majority of housing, and in others only those located on the periphery. In this way, the government is supported by a policy of uncontrolled sprawl of agglomeration, and then not interested in him, after all, where governments find money for new roads and kindergartens.

Maybe, well, that PiS does not intend to extend MdM program in this form. Who wants to buy a new house next year, this should no longer communicate with the developer and sign a contract to guarantee a pot of money in 2017. An alternative to such chaotic subsidies is a true social housing in Poland virtually non-existent, which the new government promises.

Except that the effects of such a program will have to wait at least a few years. Assumptions sound beautifully – local governments, and perhaps even PKP give cheap land, build housing companies selected in tenders, and tenants will pay a relatively low cost in rent for many years. The problem will disappear borrowing, and therefore subsidies to them.

These are ambitious plans, but what will be their implementation? A decade ago, PiS promised three million affordable housing, now any numbers not given. Then the party in the field of housing has not recorded any success. You are now will be better? May, because the current subsidies benefit mainly banks and developers, and not those who want to start their adult life with a gigantic debt and luggage without paying rent more than the amount of their earnings.