Nothing disappears on the internet. An echo follows the X platform where observers recall the bold claims of Andrzej Domański, suggesting that the Civic Coalition government could, with a nod and a wink, cut home loan payments so that even households on the national minimum wage could apply for their own apartment.
Social media circles remember the Finance Minister’s assertion that a 0% loan could make this possible. The message implied that a loan for a mid-sized apartment could be secured, with monthly payments potentially as low as PLN 1,330.
Interestingly, Domański asserted that the concept of a 0% loan existed, while bank presidents reportedly resisted the idea. Economists and real estate experts mulled over whether banks and developers would gain from such a program, sparking debate about its real impact.
Bank chiefs have voiced opposition. You may wonder what this means for ordinary people. A hypothetical loan of PLN 400,000 on a 0% plan could drop monthly costs from about PLN 3,350 to PLN 1,330. The takeaway many share is that dual-income households at the minimum wage might finally afford an apartment. Some described the proposition as straightforward and appealing.
– said Andrzej Domański.
Months turned into years, and the housing loan landscape remained largely unchanged under Donald Tusk’s governance. Officials frequently announced new and revised programs, yet tangible changes remained elusive.
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Reactions from outraged internet users
Given Domański’s emphatic statements and the realities of Poland’s housing market, it is unsurprising that recalling the finance minister’s remarks triggered discontent and a flood of critical comments online.
People wondered aloud why bank presidents might resist this idea.
One commenter asked which bank would offer such a 0% loan, noting it as a common question among peers.
Many argued that bankers could benefit from more lending with reduced risk, potentially shifting costs onto the state and, by extension, the public. Developers, they said, already rode a wave of optimism that had persisted for months.
Public sentiment swung between skepticism and caution. A number of voices accused the political players of misrepresentation, while others pointed to ongoing price increases in electricity, gas, and everyday goods as proof that promises were not translating into relief. The conversation reflected broader tensions about coalition dynamics and the feasibility of the proposal.
As talks continued, it became clear that the issue was not as simple as it appeared. First, there had been little concrete progress, and second, even coalition partners from the Third Way and the Left remained openly doubtful about the plan.
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-Who would benefit? The Ministry of Energy and Technology announced a new housing program called naStart. Deregulation proposals were anticipated after the holidays
— The December 13 Coalition grew louder. Hołownia stated that he did not support a 0% loan, arguing it favored developers
– Coalition tensions surfaced as Zandberg urged Tusk to withdraw the 0% loan plan, warning it could harm the interests of younger generations.
– A dispute within the government saw Pełczyńska-Nałęcz clash with the 0% loan proposal, labeling it a bad solution
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Source: wPolityce