What does the program involve?
- Subsidy lowering interest rates to 3–4%.
- BGK guarantee for the missing down payment – max 20% of the price, not more than PLN 100,000.
- Income limits (e.g., single person PLN 6,500, couple PLN 9,500 net) and loan amount limits depending on household size.
Who can benefit?
The program is aimed at individuals who have not previously owned a home, are buying their first property (primary or secondary market), and meet income and size criteria.
Comparison with Safe Loan 2%
| Feature | Safe Loan 2% (2023/24) | First Keys (plan 2025) |
|---|---|---|
| Subsidy | Difference above 2% | Difference above 3–4% |
| Down payment | up to PLN 200,000 guarantee | up to PLN 100,000 guarantee |
| Price limits | no square meter limit | PLN 10,000/m² (larger cities +1,000) |
How to prepare an application?
- Check if you meet the income and price limits – if in doubt, use the Wro Finanse calculator.
- Reserve the property and sign a preliminary agreement.
- Gather the required documents (income certificate, bank statements, property land registry).
- Submit the application with an advisor – we will monitor the limit of 10,000 applications quarterly.
Are you planning to apply for First Keys? Our experts will prepare a complete application and help you meet all criteria before the subsidy pool runs out.
