In Polish: BGK (Bank Gospodarstwa Krajowego)
This is the word you will see in bank documents.
Definition
BGK (Bank Gospodarstwa Krajowego) is the Polish state development bank that runs government programmes, including housing ones. It does not grant mortgages to individuals, but works with commercial banks. It runs the guarantees in the Family Housing Loan, the Safe Loan 2% subsidies and the Borrower Support Fund.
What it means for you
You always use BGK through your own bank: that is where you apply for a loan with a guarantee or for support from the Fund. A BGK guarantee can replace up to PLN 100,000 of the down payment, and the Fund can pay part of your instalments for 40 months if you are in difficulty. BGK publishes the conditions and price limits on its website and changes them every quarter.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Does BGK grant mortgages?
Not to individuals. You get the loan at a commercial bank that works with BGK, and BGK provides a guarantee, a subsidy or support from the Fund.
How much does a BGK guarantee cost?
A one-off 1% of the guaranteed amount, i.e. at most PLN 1,000 for the maximum guarantee of PLN 100,000.
Where do I apply for a BGK programme?
At a bank that works with BGK in the given programme. The bank itself applies to BGK for the guarantee or forwards the application to the Borrower Support Fund.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Institutions and experts”