“Today I would like to talk to the Chairman of the Sejm, Szymon Hołownia, about the processing of the project on credit holidays; well over a million people are waiting for these decisions. Today I will urge the Marshal not to put this bill in the ‘freezer’,” said Waldemar Buda, Minister of Development and Technology at the PAP Studio. He also spoke about the future of the 2% secure loan program.
Prime Minister Mateusz Morawiecki announced yesterday that the draft amendment to the law on credit holidays for 2024, which was re-adopted by the Council of Ministers, had been sent to the Sejm. He also asked the Chairman of the Sejm to handle this matter efficiently.
Buda: I want to talk to the Marshal even today about the credit holiday project
Waldemar Buda was asked today in the PAP Studio whether the statement of the Chairman of the Sejm, Szymon Hołownia, on the “liquidation of the parliamentary freezer” is a good change.
It’s very good. (…) I care about this very much. Even today I want to talk to the Marshal, because in my ministry we have prepared a law regarding credit holidays. It must be processed in the next parliament so that it can be introduced from January 1, so that the borrowing holidays can be used from January 1.
– said the minister.
More than a million people are waiting for these decisions. Today I will convince the Marshal not to put this bill in the freezer, but to immediately submit it to the Sejm for debate.
Buda emphasized. He added that he would request a meeting with the chairman of the Sejm on Friday and ask him to put the project on loan holiday for the Sejm for debate next Tuesday.
Today he also reminded it on social media.
Is the so-called Will the freezer actually disappear?
Apparently there is no parliamentary freezer. I say: I say, I check!
– says the head of the Ministry of Energy and Technology on the X platform
Szymon Hołownia, the chairman of the Sejm, elected at the opening session of the tenth term of the Sejm on November 13, repeatedly stated that the so-called deep freeze. This concerns the practice of not submitting certain bills to the Sejm for a long period of time, months or even years, even until the end of the Sejm’s term of office. The Marshal of the Sejm, as well as politicians from the Civic Coalition, Third Way and the Left, stated that all projects submitted to the Sejm would be processed.
Changes to holiday credits
The government proposes that loan exemptions will also apply in 2024. According to the project, suspension of loan repayments next year is possible under the conditions applicable this year. However, with regard to the applicable regulations, the list of persons entitled to reimbursement suspension is limited.
This option will be available to borrowers whose capital amount of the loan granted did not exceed PLN 400,000. zloty
– submitted.
As the Ministry added: if the capital amount of the loan granted exceeds PLN 400,000, PLN, but not higher than PLN 800,000. PLN, suspension of refund is also possible. In such a case, the costs for repaying the loan (principal and interest) will have to be more than 50%. household income. When declaring that this condition has been met, the applicant must take into account the average monthly income of the three months prior to submitting the application.
What about safe 2% loans?
The Minister of Development and Technology was also asked about the current interest in a safe loan of 2%. He admitted that on the one hand there were more than 80,000. applications submitted and more than 30 thousand loans granted by banks, on the other hand, there is declining interest in this program.
However, we see a certain downward trend in the number of applications received in individual weeks. (…) This goal seems to have been achieved and now there are people who did not plan it in July or August, but only those who really wanted to apply at the end of the year
– said the minister.
When asked about the future of the program, Buda said funds have been allocated “for this program in the near future, to introduce a 0% loan.” as announced by the Citizens Coalition.
KO’s 100 specifics include a provision that this loan will be initiated within 100 days. Assuming a favorable scenario for them, that we will no longer be able to form a government and that they will succeed, these three months should be counted approximately from December, so that the 0% loan should be available approximately at the beginning of March . introduced, these funds will be sufficient until early March
– he pointed out.
Help for whom?
The Law on State Support for Savings for Housing Purposes, in force since July 1, introduced, among other things: “Secure Loan” with state subsidy for repayments and a housing account with the possibility of getting a bonus from the state budget. Until December 31, 2027, “safe loans” will be provided by banks that will enter into an agreement with BGK and introduce the product into their offer.
Under the “Secure Loan” Act, this can be granted for the first apartment. Its amount may not exceed PLN 500,000. PLN or PLN 600 thousand if the borrower leads a household together with his or her spouse or has at least one child. The personal contribution cannot exceed PLN 200,000. zloty. If there is no personal contribution or incomplete contribution, you can make use of the BGK guarantee.
The staggered subsidy is valid for 10 years. During the period of application of the subsidies, the interest on the loan, according to the explanation on the website of the Ministry of Energy and Technology, will be 2 percent for the borrower. plus margin, commission and other bank charges – if charged. If the borrower sells the apartment, rents it to someone else or buys another property during the period in which the installment subsidies are due, he or she loses the right to subsidies and the aid obtained after this period must be repaid .
READ ALSO:
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— The project on credit holidays was sent to the Marshal. Kierwiński: What this disgraced Prime Minister is doing is astonishing
– KO is already planning to limit credit holidays! Domański: They should be addressed to people who actually need such help
PAP/rdm
Source: wPolityce