Mieszkanie bez wkładu własnego: szansa czy finansowa iluzja?

Is it possible to buy an apartment without a down payment in Poland, and does it actually work? In this episode of the financial magazine, we analyze the down payment guarantee program implemented by Bank Gospodarstwa Krajowego (BGK) and examine who can realistically benefit from it. At first glance, the solution seems ideal—the government guarantees the missing down payment, and you can take out a mortgage without savings. The problem is that reality quickly challenges these assumptions. Apartment price limits, price per square meter restrictions, and differences between cities often make the program practically unavailable in places like Krakow and Warsaw. We break down: – what are the program's real limits and why do they exclude most apartments, – where in Poland the program works and where it's only theoretical, – is "family repayment" actually profitable, – and for whom does this loan make sense, and for whom is it a waste of time? In the second part of the episode, we analyze the treasury bond market and answer the question: which ones make the most sense today—fixed-interest, inflation- or interest-rate-indexed? Finally, we examine ING Bank Śląski's surprising decision to waive the minimum interest rate clause for mortgage loans. Is this a gesture of kindness to customers, or a defensive move to avoid potential legal disputes related to WIBOR/WIRON? Subscribe: http://youtube.com/@MaciejSamcik?sub_... Website: http://indywidualnieofinansach.pl Contact: [email protected] Podcast: https://ffm.bio/maciejsamcik ➡️ Social Media: Instagram:   / zbytcze.o.finansach   Facebook:   / samcik.blox   Twitter:   / maciejsamcik   LinkedIn:   / samcik   ⬇️ RECOMMENDED ⬇️ Subjectively on Finance TV    • Rozmowy "Subiektywnie o Finansach"   Financial Sensations Weekly    • Podcasty "Finansowe Sensacje Tygodnia"   Webinars on investing your savings    • Webinaria o inwestowaniu oszczędności   From saving to investing    • Od oszczędzania do inwestowania   Through the lens of "Bednar"    • W obiektywie "Bednara"   #MaciejSamcik #Finance #Economics