Safe Loan: Just One Factor Contributing to the Rise in Housing Prices
While the “Bezpieczny Kredyt 2%” (Safe 2% Loan) is a demand-boosting programme, reasons for the increase in housing prices should also be sought in other market-impacting factors – such was the conclusion of the real estate market-focused debate held during the 2023 Krynica Economic Forum.
Forty-seven thousand six hundred and seven loan applications were filed, and 7,682 loan agreements for a total approximate amount of PLN 2.917 billion were signed in the first ten weeks of the “Safe 2% Loan” programme – as proven by data reported in the second week of September by the Ministry of Economic Development and Technology. The “Safe 2% Loan” programme and the general real estate market conditions were discussed in Krynica by participants of the panel “Between Need and Risk. Mortgage Loans, the Property Market and Consumers in New Times.”
“When it comes to the ‘Safe 2% Loan’ programme, the number of applications is less of an issue than the number of banks who joined the programme early in the day”, said Rafał Litwińczuk, deputy CEO of Alior Bank, during the debate. He further reminded those present that the scheme had originally included three banks. Now there are eleven.
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