Credit without a contribution has come into force. Countries can take advantage of it, and the family can collect large subsidies from the budget. Unfortunately, supported flats are not available everywhere, in which only after the introduction of 5% – flats and 7%, which inform the program analytical HRE Investments.
On credit without a contribution that today you can make a fourth solution for sale in provincial cities. Theoretically, this is quite a decent result – important if you consider how fast housing prices have grown in the last year – comments Bartosz Turek analyst, HRE Investments.
Krakow with almost no support
The situation of individual cities is very diverse. In order to win prizes on prizes or wins in Krakow, Lublin or Szczecin. In their case, only a few percent of offers for sale are “caught” within the statutory limits. The reason is simple – the tags published by local voivodes do not match the prices actually paid for the apartments.
Incomparably greater sales comfort between apartments on the market at the border of Gorzów Wielkopolski, Opole, Bydgoszcz and Olsztyn. In these cities, the limits will be advisable to create with the offers.
A limited price will advise on a per-neighborhood housing construction cost. The voivodes inform about these every six months. Pursuant to the current act, the average level with two appeals of voivodes by 20%, and the current provisions is suspended, will operate in the system of maintaining the level. However, when it comes to a new flat, the limit is higher. In this case, the average cost of creating a new apartment increases by approximately 30%.
In Krakow, only 5 percent. the offer for the sale of apartments from the secondary market meets the price criteria. There is up to 7 percent on the new housing market.
Will the price caps go up?
Poor availability of the loan program without contribution in some cities, that already 10 days in obtaining a loan in the Housing Guarantee Act, ready to respond to the increase in limits, which will have support.
– Only the seemingly planned change is supposed to be cosmetic (price multipliers are to be 0.1 under the graphics). The effect of this change may, however, be appreciated by potential customers. It turns out, however, that when it comes to price restrictions, they would work today, the support would be eligible not for premises for sale in voivodeship cities, but about 35-40% of the offer. The change in the upside may be noticed by the fact that in cities where the availability of offers that meet the price conditions is currently minimal – explains Bartosz Turek.
When the legislation changes, they will come into force to the extent that they will contribute, they will already exist for 9 percent. sale offer from the secondary market and 15 percent. from the market, from the developer.