Changes in the program “MdM”. So far, few families helped – Wyborcza.biz

I passed a half years, since he started to apply “MdM”. BGK conference on Thursday reported that at that time, banks granted more than 24.2 thousand. subsidized loans.

Deputy Director of the Department of Housing in the Ministry of Infrastructure and Development Stanislaw Kudroń stressed credit growth. Eg. In the first half of last year was slightly more than 6.3 thousand. beneficiaries “MdM,” and in the first half of this year – more than 9.3 thousand. The average amount of aid amounted to approx. 23.1 thousand. zł.

Kudroń acknowledged, however, that the program not completely fulfilled the expectations placed in it. It was to be one of the five pillars of pro-family policy. The problem is that up to now have reached a surcharge mainly single people and childless marriage. Among borrowers, the bank said subsidy, are the only 843 families with two children and 60 with three or more. The government hopes that such families prefer to buy new homes, where they can count on a greater injection of cash.

You are about to be a new law and new rules

It only awaits the President’s signature amendment to the law on “MdM,” by which marriage and those with two children will receive a subsidy of 20 per cent. price of the apartment, and having a larger number of offspring will be awarded with a 30-percent surcharge. In both cases it is currently 15 percent. Dir. Kudroń pointed out that there is still additional pięcioprocentowa surcharge, but addressed to families in which within five years from the purchase of an apartment will be born third or subsequent child. In the possibilities availed to date 16 families. Zainkasowały an average of approx. 10.7 thousand. zł.

The amendment also releases large families with the criterion of age (so far, at least one of the spouses could not have exceeded 35 years of age), and “the condition of the first apartment”. This means that due to budgetary surcharge will be able to swap their homes with larger ones.

In addition, it will be increased from 50 to 65 sq. M floor space from which the payment is calculated for individuals and families with at least three children. In practice, this means that buying in Warsaw, 85-square meter apartment fulfill criteria for pricing, the family will get from the state approx. 116.8 thousand. zł, an increase of 71.9 thousand. zł more than now.

will be able to buy a used flat

Changes in the law is more. Eg. The subsidy on the loan will be able to reach buyers not only new, but also used flat. He forces them will be lower than for new housing price limit, which can not be exceeded in order to take advantage of government funding. For example, in the capital budget mark-up you may now get a loan to buy a new apartment, whose price does not exceed zł 6588.3 per sq m. Used and would have cost no more than approx. 5390.4 zł.

Although the number of applications for the refund can therefore rapidly increase. Meanwhile, the pool of money for this purpose is limited. Dir. Kudroń did not say it directly, but only suggested that the problem may occur until next year. Load subsidies this year’s budget can not exceed 715 million zł. This pool was depleted by nearly 312 million zł.