In Polish: Konto Mieszkaniowe
This is the word you will see in bank documents.
Definition
Konto Mieszkaniowe is a savings account at a bank cooperating with BGK where you save for 3 to 10 years for your first flat or house. On top of the bank's interest, the state adds a housing bonus. It has operated since 2023 under the act on state aid in saving for housing purposes.
What it means for you
If you plan to buy in a few years and are saving for a down payment, the bonus can add several thousand złoty to your savings. The money must be spent on a purpose listed in the act, for example buying a first flat, also as the down payment for a mortgage. Withdrawing it for another purpose means losing the bonus.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How much is the bonus on Konto Mieszkaniowe?
From 4% to 15% a year: the higher of inflation and the growth of the price of 1 m² according to GUS (Statistics Poland). For 2025 the rate was 6.8%.
How much do I have to pay into Konto Mieszkaniowe?
From 300 to 2,000 zł a month, for at least 3 and at most 10 years.
Can savings from Konto Mieszkaniowe be my down payment?
Yes. Buying a first flat, also with a mortgage, is one of the purposes in the act for which you can spend the money together with the bonus.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Details
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 “Loan types and programmes”