[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"developer-directory":3,"blog-post-mortgage-2026-is-it-worth-waiting-for-subsidies-en":6,"blog-related-123":221},{"count":4,"enough":5},0,false,{"id":7,"translationGroupId":8,"language":9,"title":10,"slug":11,"content":12,"excerpt":194,"status":195,"source":196,"authorId":197,"authorEmail":198,"authorName":199,"coverImageUrl":200,"metaTitle":201,"metaDescription":202,"publishedAt":203,"createdAt":204,"updatedAt":204,"tags":205,"translationSlug":206,"translationLanguage":207,"researchSources":208},123,"f205fe5c-0458-4752-ab4f-d4b1729c2a7c","en","Mortgage 2026: is it worth waiting for subsidies?","mortgage-2026-is-it-worth-waiting-for-subsidies",{"type":13,"content":14},"doc",[15,22,27,33,48,114,119,131,136,148,153,165,170,174,178,190],{"type":16,"attrs":17,"content":19},"heading",{"level":18},1,[20],{"text":10,"type":21},"text",{"type":23,"content":24},"paragraph",[25],{"text":26,"type":21},"In 2026, those planning to purchase real estate face a significant dilemma. The choice comes down to two main paths: utilizing a commercial offer or waiting for potential support through government programs. This decision directly impacts the long-term cost of financing and the buyer's creditworthiness.",{"type":16,"attrs":28,"content":30},{"level":29},2,[31],{"text":32,"type":21},"The current state of the mortgage market in 2026",{"type":23,"content":34},[35,37,46],{"text":36,"type":21},"Currently, the credit market is based primarily on commercial offers. The amount of mortgage installments remains closely correlated with NBP interest rates. The stability of these indicators is crucial for the predictability of debt servicing costs. When evaluating loan applications, banks rigorously check creditworthiness and the required down payment. Anyone planning a purchase should check current ",{"text":38,"type":21,"marks":39},"property prices",[40],{"type":41,"attrs":42},"link",{"rel":43,"href":44,"target":45},"noopener noreferrer","\u002Fceny-nieruchomosci","_blank",{"text":47,"type":21}," to realistically assess their financial capabilities.",{"type":49,"content":50},"table",[51,73,94],{"type":52,"content":53},"tableRow",[54,61,67],{"type":55,"content":56},"tableHeader",[57],{"type":23,"content":58},[59],{"text":60,"type":21},"Loan Type",{"type":55,"content":62},[63],{"type":23,"content":64},[65],{"text":66,"type":21},"Availability",{"type":55,"content":68},[69],{"type":23,"content":70},[71],{"text":72,"type":21},"Main Cost",{"type":52,"content":74},[75,82,88],{"type":76,"content":77},"tableCell",[78],{"type":23,"content":79},[80],{"text":81,"type":21},"Commercial",{"type":76,"content":83},[84],{"type":23,"content":85},[86],{"text":87,"type":21},"Constant",{"type":76,"content":89},[90],{"type":23,"content":91},[92],{"text":93,"type":21},"Margin + WIBOR",{"type":52,"content":95},[96,102,108],{"type":76,"content":97},[98],{"type":23,"content":99},[100],{"text":101,"type":21},"Government",{"type":76,"content":103},[104],{"type":23,"content":105},[106],{"text":107,"type":21},"Limited",{"type":76,"content":109},[110],{"type":23,"content":111},[112],{"text":113,"type":21},"Preferential interest rate",{"type":16,"attrs":115,"content":116},{"level":29},[117],{"text":118,"type":21},"Borrower support programs: status as of 2026",{"type":23,"content":120},[121,123,129],{"text":122,"type":21},"The status of government subsidy programs is dynamic. Information on housing policies published by the Ministry of Development and Technology and the Ministry of Finance indicates various eligibility criteria. These programs often offer a lower APR, which significantly reduces the monthly principal and interest installment. However, it is worth remembering that access to them depends on budget limits and meeting specific income or family requirements. Before making a decision, verify offers with trusted ",{"text":124,"type":21,"marks":125},"developers",[126],{"type":41,"attrs":127},{"rel":43,"href":128,"target":45},"\u002Fdeweloperzy",{"text":130,"type":21},", who are often knowledgeable about available forms of financing.",{"type":16,"attrs":132,"content":133},{"level":29},[134],{"text":135,"type":21},"Wait or buy now? Comparing strategies",{"type":23,"content":137},[138,140,146],{"text":139,"type":21},"Waiting for a government program carries risks. First, the supply of real estate may not keep up with the increase in demand, which often leads to rising property prices. If you find attractive ",{"text":141,"type":21,"marks":142},"apartments for sale",[143],{"type":41,"attrs":144},{"rel":43,"href":145,"target":45},"\u002Fmieszkania\u002Fna-sprzedaz",{"text":147,"type":21},", hesitating might result in the final purchase price exceeding the savings gained from subsidies. A commercial loan provides predictability and allows you to start an investment at any time. In contrast, government programs, while tempting, are often limited in time and quantity.",{"type":16,"attrs":149,"content":150},{"level":29},[151],{"text":152,"type":21},"When is it worth choosing a commercial loan?",{"type":23,"content":154},[155,157,163],{"text":156,"type":21},"The decision to take out a commercial loan is justified when you have an adequate down payment and a stable professional situation. This allows for the quick finalization of a transaction when you come across a good deal. Many people choose this solution, planning to overpay the loan in the future, which shortens the loan term and lowers the total cost of debt. If you are interested in the local market, check out available ",{"text":158,"type":21,"marks":159},"apartments for sale in Warsaw, Masovian Voivodeship",[160],{"type":41,"attrs":161},{"rel":43,"href":162,"target":45},"\u002Fmieszkania\u002Fna-sprzedaz\u002Fmazowieckie\u002Fwarszawa\u002Fwarszawa",{"text":164,"type":21},".",{"type":16,"attrs":166,"content":167},{"level":29},[168],{"text":169,"type":21},"Our recommendation",{"type":23,"content":171},[172],{"text":173,"type":21},"If you have a large down payment and have found a property at a good price: do not wait, take advantage of a commercial offer.",{"type":23,"content":175},[176],{"text":177,"type":21},"If your creditworthiness is on the edge: it is worth following government announcements and preparing to apply for available programs.",{"type":23,"content":179},[180,182,188],{"text":181,"type":21},"If you are planning a purchase in the long term: build up your down payment and monitor ",{"text":183,"type":21,"marks":184},"property prices in the Masovian Voivodeship",[185],{"type":41,"attrs":186},{"rel":43,"href":187,"target":45},"\u002Fceny-nieruchomosci\u002Fmazowieckie",{"text":189,"type":21}," so you are ready for any market opportunity.",{"type":23,"content":191},[192],{"text":193,"type":21},"- - -","We analyze the situation in the mortgage market in 2026. Check whether waiting for government subsidies is a good strategy or if it is better to act now.","published","ai",18,"editorial@dimdom.pl","Dimdom Editorial","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-56-1785729900807\u002Fog-89296a6a-4ee1-4333-a81f-a84b89dc45c6.jpg","Mortgage 2026: is it worth waiting for government programs?","Considering a mortgage in 2026? Check whether it pays to wait for government subsidies or if it is better to use a commercial offer. Read our advice.","2026-08-19T00:10:47.849Z","2026-08-19T00:10:47.853Z",[],"kredyt-hipoteczny-2026-czy-warto-czekac","pl",[209,212,215,218],{"url":210,"title":211},"https:\u002F\u002Fwww.gov.pl\u002Fweb\u002Frozwoj-technologia\u002Fmieszkalnictwo","Mieszkalnictwo - Ministerstwo Rozwoju i Technologii",{"url":213,"title":214},"https:\u002F\u002Fnbp.pl\u002Fstatystyka-i-sprawozdawczosc\u002Fdane-statystyczne\u002Fpieniezna-i-bankowa\u002Fstopy-procentowe\u002F","Stopy procentowe NBP",{"url":216,"title":217},"https:\u002F\u002Fwww.knf.gov.pl\u002Fdla_konsumenta\u002Finformacje_dla_rynku\u002Fkredyty_hipoteczne","Kredyty hipoteczne - informacje KNF",{"url":219,"title":220},"https:\u002F\u002Fwww.gov.pl\u002Fweb\u002Ffinanse\u002Fkredyt-mieszkaniowy","Informacje o kredytach mieszkaniowych - Ministerstwo Finansów",{"posts":222},[223,231,238,245,252],{"id":224,"title":225,"slug":226,"excerpt":227,"coverImageUrl":228,"cardImageUrl":229,"publishedAt":230,"language":9},126,"Preliminary Agreement 2026: 7 Steps to a Secure Transaction","preliminary-agreement-2026-7-steps-to-a-secure-transaction","A preliminary agreement is a key document securing the real estate purchase process. Learn about the essential elements, deadlines, and the differences between a deposit and an advance payment in 2026.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-60-1787198462553\u002Fog-3a693d7d-9393-4888-8ecc-e960b3ba4958.jpg",null,"2026-08-20T04:13:28.098Z",{"id":232,"title":233,"slug":234,"excerpt":235,"coverImageUrl":236,"cardImageUrl":229,"publishedAt":237,"language":9},124,"Commercial properties in Gdańsk Wrzeszcz: 2026 Guide","commercial-properties-in-gdansk-wrzeszcz-2026-guide","Gdańsk Wrzeszcz is a strategic point on the Tricity business map. Learn why it is worth investing in commercial property here and how the district supports business growth.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-58-1785902557272\u002Fog-21b318f8-f48e-49c8-ab2f-b48349f8a7a8.jpg","2026-08-19T00:10:56.709Z",{"id":239,"title":240,"slug":241,"excerpt":242,"coverImageUrl":243,"cardImageUrl":229,"publishedAt":244,"language":9},120,"Building a 100m2 timber frame house in 2026","building-a-100m2-timber-frame-house-in-2026","An analysis of the costs of building a 100m2 timber frame house in 2026. Learn about current price ranges and factors affecting your investment budget.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-57-1785816193688\u002Fog-24f321d6-4450-4dec-99c9-528e8168f444.jpg","2026-08-04T12:23:38.141Z",{"id":246,"title":247,"slug":248,"excerpt":249,"coverImageUrl":250,"cardImageUrl":229,"publishedAt":251,"language":9},117,"Land market near Łódź: 2026 Report","land-market-near-lodz-2026-report","An analysis of the land market in the Łódź metropolitan area. See how changes in spatial planning affect the prices and availability of agricultural-residential plots in 2026.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-55-1785643341153\u002Fog-b3e237fd-d5b9-44ae-a26f-2ec6ee09bf75.jpg","2026-08-02T21:22:48.296Z",{"id":253,"title":254,"slug":255,"excerpt":256,"coverImageUrl":257,"cardImageUrl":229,"publishedAt":258,"language":9},116,"Selling an apartment before 5 years: File your PIT-39","selling-an-apartment-before-5-years-file-your-pit-39","Selling an apartment before the 5-year mark involves the need to settle income tax. Learn how to use housing relief and avoid mistakes.","https:\u002F\u002Fimg.dimdom.pl\u002Fblog\u002Fkw-54-1785556934057\u002Fog-d594c027-33af-4ab9-86de-15f870130845.jpg","2026-08-02T21:21:59.104Z"]