In mid-March the Bank Gospodarstwa Krajowego stopped accepting applications for funding in the “House for the young” in 2016. With this year’s limit of 730 million zł have already reserved 95 percent. measures which, according to the law obliges the bank to do so. For the remaining years of the program limit of funds amounts to 746 million zł (2017). And 762 million zł (2018.). The percentage of their use is currently 12.3 percent. at 2017. and 0.12 percent. for 2018. (as of March this year.).
As reported bank in the last day of submission the conclusions of the limit for the current year (15 March) to the bank received over 3.5 thousand. application. After the first verification limit exceeded 1700, and after a few weeks, the number dropped to zero (as of April 15). There is no people on the waiting list for the refund, because people decide to negotiate the terms of the schedule of payments mortgage loan directly with the developer.
” After this conversation, it turns out that the developer depends on the client and changes the schedule for the one that corresponds to the buyer, “- explains the deputy director of the department of agency services in BGK Boguslaw Białowąs. Then the client submits an application for funding under the MdM for next year. In addition, he said Białowąs, it happens that the customer simply give up the loan or not sign the loan agreement within required by law 60 days – then the automatic cancellation of the application for payments under the MdM.
Experts and representatives of BGK under estimate that both the September amendment of the Act, as well as the announcement of the completion of the program in 2018. resulted in a significant increase in interest in the program. This led to the exhaustion of funds for co-financing from the pool of those allocated for 2016.
1 September 2015. It entered into force amendments to the Act concerning. the program “apartment for the young.” Thanks to increased subsidies for families or single parents, abolished the age limit of parents in families with many children. Relaxed have the conditions to receive loan and grant also covered the secondary market. In January this year. Deputy Minister in the Ministry of Infrastructure and construction Kazimierz Smolinski said that the government does not provide for the continuation of the program MdM – the program will be completed in accordance with the provisions of the Act, that on September 30, 2018.
Last issue raised by the press is the probability of losing the makings that have been paid by the purchaser as part of the advance payment for the developer. As for the situation in which the buyer of the apartment after a conversation with the developer pays the required his advance, but does not get a loan from a contribution from the MdM. In such a situation – unless otherwise finance the entire purchase – he loses the money paid in advance payment. “The agreement with the developer and pay the makings in no way obliges to grant aid in the framework of the program” apartment for the young “- reserves Białowąs.
cautions that you must first go to the bank and fill all the formalities associated with obtaining credit. “The most important document is a written statement of the bank crediting of the reservation fee for a given year in the program MdM – only then the buyer can be sure that receive funding,” – emphasizes Białowąs. It is estimated that if the borrower fails to fulfill the formalities in the process of submitting loan documents, must reckon with the risk of not receiving aid.
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