The housing allowance
Not everyone knows that people with the lowest dochodać entitled to the. housing allowance. This is the allowance that you can apply in your local city office after meeting the relevant criteria. He is entitled to those in respect of which the income per household member reached by the three MIAC preceding the date of application does not exceed 175% of the minimum pension in one-person household and 125% of that amount on the farm dormitory. Since January of this year. minimum pension is PLN 882.56.
The addition of energy
applicant who is entitled to housing allowance and has signed a contract with the current, as well as zmieszkuje in place, which current is supplied, you can also apply for an energy supplement. Unfortunately, after the entry into force of the fee autiowizualnej, it is not enough even to cover the obligation.
Social housing Another
and for families with the lowest dochodać in Poland is leasing from municipality or city social housing. Also in this case, you need to demonstrate very low income, and prove that you can not live on the premises immediate family – eg. The father or mother. In a multi-page application for social housing should be given such details as the exact yardage of all the chambers comprising the occupied premises and the addresses of apartments close relatives with metrażami titles and ownership of accomodations. In addition, the social worker can come unannounced to the place of residence of the applicant to verify that the information given in the application are true.
Persons applying for social housing must meet strict criteria. The most severe of these is the requirement of a low income – the so-called. remain in poverty. The income of the three months preceding the date of submission of the application should not exceed 150% of the lowest pensions in the single farm (now 1323.84 zł) and the equivalent of the lowest pensions in the case of single-person households (currently 882.56 PLN).
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People living in extreme poverty can apply for renting an apartment for renovation. You have to reckon with the fact that such property is often premises of a very low standard. In the pool, which are available to the community, there are houses without toilets inside the house without central heating, wielekrotnie of efflorescence on walls. These types of properties are varied, and their number is dependent on the municipality. In addition, social housing are often located in blocks for repair and districts where there is a higher proportion of social pathologies. Their number does not allow to satisfy all the needs of local residents.
HDB apartment
Polish citizens who have a slightly higher income, but still are not able to purchase residential property they have yet another option – rent from the municipality so. council flat. The advantage of this system is the fact that in some locations long-time tenants can apply for the right to buy the apartment.
To the office admitted communal apartment, you need to show better earnings. For example, in Wroclaw limits for those seeking rent so. apartment to repair 300% of the lowest pensions in the single farm (now 2647.68 zł) and 250% of the lowest retirement farms multiplayer (now 2206.40 PLN). You should also reckon with the high rent, of up to approx. 500 zł per month.
However, the demand for public housing far exceeds the supply. This leads to a situation so peculiar that some applicants waiting for granting premises after ten – ten years. In addition, not all public housing have the option to purchase.
apartment plus
situation in the real estate market rent may be changed due to the implementation of the government program “apartment plus.” June 3rd . Prime Minister of Law and Justice deputy and minister of infrastructure and construction Andrzej Adamczyk zaprezentwali main objectives of this long-term przedsięwzcięcia. As announced head of the Council of Ministers, the project may take up to 10 – 15 years. the government does not want to reveal how many properties hit the market within the “Houses +” .
“flat +” will cover construction in the average standard on the outskirts of cities. it has to increase the supply of homes for rent. All beneficiaries of the program is to include the same rate of the lease. on the basis of rented flats will be carried out gainful activity.
the Council of ministers is planning to set up a unit operating on the rights market and similar to the bank – the National Housing Fund. it will have new investment in premises rent. Designed for rental residential properties will be built mainly on land belonging to the Treasury – both on the outskirts of major cities and in smaller communities.
The investments will be responsible for Infrastructure and Construction. Currently, the Ministry is preparing a bill that will enable the efficient implementation of the program. The Government declares that every Pole will be able to benefit from the project. The award “Apartment +” has to decide the system punk, referring to salary and number of children, but the program should not exclude the single people. Top will be scored this range of income, which does not allow to take out a loan at the bank.
as part of the government project will also arise estate on the land of communal and even – on the grounds of the individual. Some municipalities themselves report to the Ministry of infrastructure with the information that they want to implement the construction on their land. the Government will ensure that wants to give an injection gotówky local governments, which will decide on the implementation of social housing on their own. they may seek to cover 35 – 55% of the cost of social budownictwta dwellings as well as apply for a loan on preferential terms at the Bank Gospodarstwa Krajowego. in addition, the law firm Minister plans to restore the bonuses for saving for different purposes meszkaniowe, eg. for the repair or own contribution.
the so-called. TBS-y
under the Act of 1995. certain forms of support construction mieszkanioweg construction of rental housing for medium-sized incomes deal with Towarzyswa Social Housing (TBS). In contrast to public housing, which mostly come from the secondary market, this form of real estate is created specially for future tenants.
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TBS-y take various legal forms – cooperatives, limited liability companies law, joint stock companies and cooperatives corporation. Typically, the future tenant must participate in the costs of building and participatory agreement be signed before the end of the investment. The Act specifies the minimum and maximum amount of rent in the premises and the maximum amount of participative, which may not exceed 30% of the construction costs. The annual rent is less than 4% of the replacement value of the apartment.
Apartment TBS can be purchased, but it is not always profitable. Many tenants are choosing to withdraw from the contract participatory and purchase another property on the primary market. Poorer tenants decide to stay with the rental agreement. They can be signed only after the completion of construction. In addition, you must pay a deposit, which usually is dwuktotność monthly rent. Because n low rental costs, willing to participate in the construction of TBS are many. The market lacks a housing that arise due to the commitment of Social Housing Societies.
apartment for Young
last alternative for people looking for their own home is the “House for Youth” within któgo the state can cover up to 15% the cost of housing in the primary market. in order to get funding for a loan hipotycznego, you need to take it to one of the banks that have joined the program. one of the criteria to restrict access to MdM is the age of the person asking for the loan – in on request, it can not be finished 35 years of age. the government program, formerly known as the “Family on its own”, will expire in 2018. Moreover, it happens that the pool of funds allocated for the calendar year in the region (and in any different) ends after a few months.
The loan program MdM can afford only those people who have a contribution own and have a credit score, which allows for the purchase of residential property. You also need to find a locale, the price for 1 square meter does not exceed the minimum rate applicable in a given region. It is not a simple task, especially for people looking for studios. In practice, the government program are eligible mainly three rooms apartment and domwy suburbs. In addition, developers often hide the actual size of the property cost. Buyers place in the “House for Youth” also require the purchase of expensive garage for 20 – 30 thousand. Zł, parking space or other payments, which will compensate for the undervaluation of the market price of the property.
Sources: bip.krakow. pl, bip.um.wroc.pl, mib.gov.pl, bankier.pl
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