In Polish: Kredyt Na Start
This is the word you will see in bank documents.
Definition
Kredyt Na Start, officially the '#naStart housing loan', is a government instalment subsidy programme announced from 2024 that was meant to replace Safe Loan 2%. The draft act (UA4) is listed as 'withdrawn' in the Council of Ministers' legislative work list and never came into force. In October 2026 there is no announced instalment subsidy programme for buying a home.
What it means for you
Do not plan a purchase around Kredyt Na Start: the programme cannot be used and there is no date when that might change. If you do not have a full down payment, look at the Family Housing Loan with a BGK guarantee. Waiting for a new programme costs you rent and uncertainty about prices and rates.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Has Kredyt Na Start been launched?
No. The draft act on the #naStart housing loan is listed as 'withdrawn' in the Council of Ministers' work list. As of October 2026 the government has not announced a new instalment subsidy programme.
Are 'Mieszkanie na start' and 'Kredyt na start' the same?
Yes. The media used both names for the same draft. The official name was the '#naStart housing loan'.
How can I buy a flat without a down payment in 2026?
Through the Family Housing Loan, in which a BGK guarantee replaces a missing down payment of up to PLN 100,000. You must meet the programme conditions and be creditworthy for the full loan amount.
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 “Loan types and programmes”