Author: Szymon Starnawski/Grupa Murator Which banks offer Safe Loan 2 percent today? See the list of banks.
The number of people willing to take out a 2 percent Safe Loan is constantly growing. At the same time, the list of banks offering new housing loans with subsidies is expanding. Check the current list of banks participating in the First Apartment 2023 program.
Contents
Safe Loan 2 percent – which banks will grant it? Here is the list of banksWhen will other banks introduce the 2 percent Safe Loan?First Apartment Program – main principles of the new loan for young people
Safe Loan 2 percent – which banks will grant it? Here is the list of banks
Many people planning to buy real estate have their eyes on the First Apartment program, which was launched on July 3, 2023. Under the program, you can obtain an attractive, low-interest 2% Safe Loan for housing purposes. The loan is offered by banks that have signed an appropriate cooperation agreement with Bank Gospodarstwa Krajowego.
However, it should be remembered that only some banks offer the new product at the launch of First Apartment – many of them will join later. Which banks grant 2 percent loans now? According to the information on the BGK website, the list of banks is as follows:
Alior Bank SA, Bank BPS and Cooperative Banks of the BPS Association, Bank Ochrony Środowiska, Bank PEKAO SA, Bank Spółdzielczy Rzemiosła in Kraków, Bank Spółdzielczy in Brodnica, Krakowski Bank Spółdzielczy in Kraków, mBank, PKO Bank Polski SA, SGB-Bank SA, VeloBank ARE
In these financial institutions, customers can easily apply for a Safe Loan. It’s worth mentioning that from July 2023, generally only the loan is available – the second part of the First Apartment program, i.e. an account used to save for the purchase of M, is a product that most banks plan to introduce at a later date.
Recommendation S has been changed for the Safe Loan by the Polish Financial Supervision Authority, which should make it easier to obtain than a regular housing loan.
When will other banks introduce the 2 percent Safe Loan?
Generally at the moment exact dates are unknown other banks joining the First Apartment program. All we know is that it will happen at a later date. The exception is mBank, which will join in mid-September.
However, some banks have already declared their willingness to participate in the program and want to offer a new housing loan for young people. Which banks have confirmed their participation in the First Apartment? According to PAP and BusinessInsider, these are:
Bank PKO BP, Bank Pekao SA, Alior Bank, Santander Bank, Bank Ochrony Środowiska (BOŚ), Bank Polskiej Spółdzielczości, VeloBank, SGB Bank SA, Bank BPS, mBank.
It can be expected that more will join this list – there are more banks interested in the program, but not all of them have taken a final position so far.
– We assume that most commercial banks will join the program – he says Ministry of Development and Technology.
First Apartment Program – main principles of the new loan for young people
The First Apartment program provides assistance in purchasing real estate for people up to 45 years of age. Apart from the age criterion, the most important is the requirement not to have (now or in the past) any apartment or house. However, some exceptions are provided for in this matter. A person who wants to get a 2% loan must also have an appropriate own contribution. The program includes two tools:
Safe Loan 2 percent facilitating the purchase of an apartment or building a house, Housing Account facilitating saving for the purchase.
Under the Loan, the maximum you can get is 2 percent 500-600 thousand zloty. The state subsidizes the loan for 10 years, so the borrower can count on low installments. The property purchased under the program may come from both the primary and secondary markets and have any price.
In turn, the Housing Account is used to save for housing purposes. People who make at least 11 payments of a certain amount during the year will receive a savings subsidy from the state. Funds can be deposited in the account for a maximum of 10 years. After this period ends, the accumulated amount must be spent within 5 years.
Was this article interesting? Share it!
2023-09-23 09:40:34
#banks #receive #percent #Safe #Loan
