{"id":11165,"date":"2026-02-03T12:46:06","date_gmt":"2026-02-03T11:46:06","guid":{"rendered":"https:\/\/novisa.pl\/news\/apartment-without-a-down-payment-everything-about-the-family-housing-loan\/"},"modified":"2026-02-05T10:03:59","modified_gmt":"2026-02-05T09:03:59","slug":"apartment-without-a-down-payment-everything-about-the-family-housing-loan","status":"publish","type":"post","link":"https:\/\/novisa.pl\/en\/tips\/apartment-without-a-down-payment-everything-about-the-family-housing-loan\/","title":{"rendered":"Apartment without a down payment \u2013 everything about the Family Housing Loan"},"content":{"rendered":"\n

The Family Housing Loan (RKM) is currently one of the most important tools supporting Poles in purchasing their first property\u2014especially those who do not have a large down payment. In this article, we explain what the housing program is about, who can benefit from it, what the current limits are, and how RKM affects real-life possibilities of buying an apartment or a house. We will also answer the most frequently asked questions about the available support scheme.<\/em><\/p>\n\n\n\n

Table of contents<\/strong><\/h2>\n\n\n\n
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  1. What is the Family Housing Loan (RKM)?<\/li>\n\n\n\n
  2. How does the Family Housing Loan work?<\/li>\n\n\n\n
  3. Who can benefit from RKM?<\/li>\n\n\n\n
  4. What can you buy with the Family Housing Loan?<\/li>\n\n\n\n
  5. What are the price limits in the Family Housing Loan for Q1 2026?<\/li>\n\n\n\n
  6. Can you use RKM if you have a down payment?<\/li>\n\n\n\n
  7. Additional benefits for families with children \u2013 family repayment<\/li>\n\n\n\n
  8. Other conditions of the Family Housing Loan<\/li>\n\n\n\n
  9. Frequently asked questions<\/li>\n<\/ol>\n\n\n\n

    <\/p>\n\n\n\n

    1. What is the Family Housing Loan (RKM)?<\/strong><\/h2>\n\n\n\n

    The Family Housing Loan, also known as \u201cHousing with no down payment,\u201d is a government support program for purchasing real estate, designed to make it easier for individuals and families with a limited or zero down payment to enter the housing market. The key mechanism is a down payment guarantee provided by Bank Gospodarstwa Krajowego (BGK)<\/strong>\u2014thanks to this, a bank can grant a loan even without a traditional down payment. Typically, with a mortgage, banks require 10\u201320% of the property value as a down payment<\/strong>, but under RKM it can be significantly reduced\u2014even to zero.<\/p>\n\n\n\n

    2. How does the Family Housing Loan work?<\/strong><\/h2>\n\n\n\n

    The program does not replace a standard mortgage\u2014you still take out a loan from a bank, just like with any other property purchase. The difference is that Bank Gospodarstwa Krajowego (BGK) provides a guarantee for part of the down payment<\/strong>. As a result, the bank does not require you to raise the full amount of your own funds, which for many people is the biggest barrier to buying their own apartment or house. It is worth emphasizing that the BGK guarantee does not give you extra money and does not reduce the loan amount<\/strong>\u2014its role is only to secure the bank against the risk of not having a full down payment. This means that the entire loan amount is still your responsibility, and you repay it in instalments.<\/p>\n\n\n\n

    3. Who can benefit from RKM?<\/strong><\/h2>\n\n\n\n

    The housing program is available to singles<\/strong>, couples<\/strong> in an informal relationship who are raising a shared child\/children<\/strong>, childless married couples<\/strong>, as well as families with children<\/strong>.<\/p>\n\n\n\n

    The most important thing is that the applicant has creditworthiness<\/strong>, i.e., a real ability to repay the entire obligation. Another condition is not owning a property previously\u2014an exception applies to families with children, who may use the program even if they already own an apartment, provided they meet specific floor-area limits.
    The limits depend on the number of children on the day the loan application is submitted. With two children, you may own an apartment of up to 50 m\u00b2; with three\u2014up to 75 m\u00b2; with four\u2014up to 90 m\u00b2; and with five or more children there is no floor-area limit.<\/p>\n\n\n\n

    There are no age limits<\/strong> or marital-status requirements in the program. The program is open to everyone<\/strong> who meets the basic financial conditions, including foreigners<\/strong>, as long as they have creditworthiness.<\/p>\n\n\n\n

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    4. What can you buy with the Family Housing Loan?<\/strong><\/h2>\n\n\n\n

    The Family Housing Loan offers truly broad possibilities\u2014the program was designed so that everyone can find a solution tailored to their needs and dreams of owning a house or an apartment. You can use it for:<\/p>\n\n\n\n