"Mieszkanie na Start" - rozwiąże czy stworzy problemy na rynku mieszkaniowym?

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Zahamowanie rynku mieszkaniowego spowodowane w znacznym stopniu przez wzrost stóp procentowych NBP mogło być okazją do ustabilizowania ich cen. Do tego jednak nie doszło. Czy czeka nas taki sam problem mieszkaniowy jak przy "Bezpiecznym Kredycie"? Oba programy porównuje Szymon Wieczorek, redaktor POLON.pl.</h2> <div class="jeg_meta_container"><div class="jeg_post_meta jeg_post_meta_2"> <div class="meta_left"> <div class="jeg_meta_author">  <div class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-inline multiple-authors-target-shortcode box-post-id-143 box-instance-id-1 ppma_boxes_143" data-post_id="143" data-instance_id="1" data-additional_class="pp-multiple-authors-layout-inline.multiple-authors-target-shortcode" data-original_class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-143 box-instance-id-1"> <span class="ppma-layout-prefix"></span> <div class="ppma-author-category-wrap"> <span class="ppma-category-group ppma-category-group-"> <ul class="pp-multiple-authors-boxes-ul"> <li class="pp-multiple-authors-boxes-li author_index_0 author_szymonwieczorek has-avatar"> <div class="pp-author-boxes-avatar"> <img alt='Szymon Wieczorek' src='https://www.polon.pl/wp-content/uploads/2023/05/Szymon_Wieczorek.webp' srcset='https://www.polon.pl/wp-content/uploads/2023/05/Szymon_Wieczorek.webp' class='multiple_authors_guest_author_avatar avatar' height='30' width='30'/> </div> <div class="pp-author-boxes-avatar-details"> <div class="pp-author-boxes-name multiple-authors-name"> <a href="https://www.polon.pl/author/szymonwieczorek/" rel="author" title="Szymon Wieczorek" class="author url fn">Szymon Wieczorek</a> </div> </div> </li> </ul> </span> </div> <span class="ppma-layout-suffix"></span> </div>  <style> .pp-multiple-authors-boxes-wrapper.box-post-id-143.pp-multiple-authors-layout-inline.multiple-authors-target-shortcode.box-instance-id-1 .pp-author-boxes-avatar img { width: 30px !important; 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Projekt ten był jednym ze znaczących postulatów Koalicji Obywatelskiej w ostatnich wyborach parlamentarnych. Od samego początku ten projekt był prezentowany jako lepszy, ponieważ będzie oferował większą dopłatę do kredytów mieszkaniowych niż ogłoszony pod koniec drugiej kadencji rządów PiS – „Bezpieczny Kredyt 2 procent”. I pod tym względem faktycznie rząd wywiązuje się z danego zobowiązania. Ale czy taka forma wsparcia rzeczywiście generuje więcej korzyści niż problemów na rynku mieszkaniowym?</p> <p>Polski Instytut Ekonomiczny (PIE) wskazuje na obserwowany od pandemii COVID-19 spadek siły nabywczej wynagrodzeń na rynku mieszkaniowym. <a href="https://biznes.pap.pl/pl/news/pap/info/3578615,zdolnosc-sfinansowania-zakupu-mieszkania-z-przecietnego-wynagrodzenia-jest-nizsza-niz-przed-pandemia---pie">O ile w 2019 roku przeciętne wynagrodzenia pozwalało na kupno 0,98 m<sup>2</sup> mieszkania, o tyle w 2022 roku było to już tylko 0,88 m<sup>2</sup></a>. Także opinia publiczna coraz bardziej krytycznie odnosi się do dynamicznie rosnących cen. Tym bardziej, że już przy BK2% obserwowaliśmy dynamiczne wzrosty cen mieszkań. Skoro nowy program opiera się na tym samym mechanizmie, to dlaczego tym razem efekt miałby być inny?</p> <p>A skoro jesteśmy przy porównywaniu obu programów, to spójrzmy na różnice między nimi:</p> <figure class="wp-block-table"><table><tbody><tr><td><strong>Program</strong></td><td><strong>Mieszkanie na Start</strong></td><td><strong>Bezpieczny Kredyt 2%</strong></td></tr><tr><td>Budżet</td><td>30, 4 mld zł do 2032 roku – program 570 mln zł – gwarancje wkładu własnego</td><td>16,1 mld zł do 2032 roku</td></tr><tr><td>Liczba planowanych adresatów programu</td><td><a href="https://biznes.pap.pl/pl/news/search/info/48139920,w-ramach--mieszkania-na-start--bedzie-limit-15-tys--wnioskow-na-kwartal">Limit 15 tys. wniosków wsparcia na kwartał</a></td><td>180 tys.</td></tr><tr><td>Zasady wsparcia – wnioskujący</td><td>Wnioskujący nie posiada prawa własności żadnego domu lub mieszkania Wnioskujący jest singlem do 35 r.ż. lub jest częścią dwuosobowego gosp. domowego</td><td>Wnioskujący nie posiada prawa własności żadnego domu lub mieszkania Wnioskujący jest osobą do 45 r.ż.</td></tr><tr><td>Zasady wsparcia – kredyt</td><td>Dopłata do 120 pierwszych rat kredytu hipotecznego Dopłata do 60 pierwszych rat kredytu konsumenckiego, zaciągniętego na wkład własny</td><td>Dopłata do 120 pierwszych rat kredytu hipotecznego Gwarancja BGK wkładu własnego</td></tr><tr><td>Maksymalna wielkość wsparcia</td><td>200 tys. – 600 tys.,<br>w zależności od liczby osób tworzących gospodarstwo domowe Dopłaty są podwyższane, jeżeli ceny za m<sup>2</sup> istotnie przekraczają średnią krajową cenę</td><td>500 tys. dla jednej osoby 600 tys. dla małżonków albo osób wspólnie wychowujących dziecko</td></tr><tr><td>Kryterium powierzchniowe</td><td>Maks. 50 m<sup>2</sup> dla gospodarstwa jednoosobowego Dodatkowe 25 m<sup>2</sup> za każdego dodatkowego członka gospodarstwa jednoosobowego</td><td>Nie, ale sama wielkość wsparcia ogranicza</td></tr><tr><td>Uzależnienie dopłat od dochodu</td><td>Tak</td><td>Nie</td></tr><tr><td>Uzależnienie dopłat od liczby dzieci</td><td>Tak  </td><td>Nie</td></tr><tr><td>Czy program adresuje inne bariery dla rynku mieszkaniowego?</td><td>NIE</td><td>NIE</td></tr><tr><td>Czy program doprowadzi do istotnego wzrostu liczby mieszkań?</td><td>NIE</td><td>NIE</td></tr></tbody></table></figure> <p>Nowy program mieszkaniowy ma kilka istotnych obwarowań, których nie było w BK2%. Mają one na celu zapewnienie, że z programu najbardziej skorzystają osoby wielodzietne i mające relatywnie niższe dochody.</p> <p>Spójrzmy na to, jak duża część odsetek będzie płacona przez uczestników programu w zależności od liczby dzieci:</p> <ul class="wp-block-list"> <li>1,5% dla gospodarstw bezdzietnych,</li> <li>1% dla gospodarstw z jednym dzieckiem,</li> <li>0,5% dla gospodarstw z dwójką dzieci,</li> <li>0% dla gospodarstw z trójką i więcej dzieci.</li> </ul> <p>Podobnie rzecz ma się z samą wartością dopłaty do zaciąganego kredytu hipotecznego:</p> <ul class="wp-block-list"> <li>200 tys. zł dla gospodarstw jednoosobowych,</li> <li>400 tys. zł dla gospodarstw dwuosobowych,</li> <li>450 tys. zł dla gospodarstw trzyosobowych,</li> <li>500 tys. zł dla gospodarstw czteroosobowych,</li> <li>600 tys. zł dla gospodarstw pięcioosobowych i liczniejszych.</li> </ul> <p>Powyższa wartość dotyczy zarówno małżeństw, jak i samotnych rodziców. Dopłata ta jest powiększana o 10%, jeżeli średnia cena za m<sup>2</sup> przekracza średnią krajową cenę o ponad 25%, a o 20%, gdy cena przekracza średnią krajową o ponad 50%.</p> <p>Do tego dochodzi kryterium dochodowe. Powyżej:</p> <ul class="wp-block-list"> <li>7 000 zł dla gospodarstw jednoosobowych,</li> <li>13 000 zł dla gospodarstw dwuosobowych,</li> <li>16 000 zł dla gospodarstw trzyosobowych,</li> <li>19 500 zł dla gospodarstw czteroosobowych,</li> <li>23 000 zł dla gospodarstw pięcioosobowych i liczniejszych</li> </ul> <p>Wielkość dopłaty do każdej raty jest pomniejszana o 25% przekroczenia.</p> <p>Powyżej opisane warunki są najważniejszą różnicą względem BK2%. Czy sprawią one, że z programu rzeczywiście bardziej skorzystają rodziny z dziećmi oraz osoby z niższymi dochodami? Czas pokaże. Ministerstwo Rozwoju i Technologii wskazuje, że „Kredyt na start” będzie w znacznie mniejszym stopniu powodowało wzrosty cen mieszkań. O ile ograniczenie grup mogących korzystać z programu w istocie może osłabić tę tendencję, o tyle nie sprawi, że ceny mieszkań będą stać w miejscu.</p> <p>Niepokojące jest jednak to, że politycy widzą tylko jedną stronę równania w rynku mieszkaniowym. Zdaniem rządzących to brak możliwości finansowych jest głównym problemem. Oczywiście, wysokie stopy procentowe utrudniają dostęp do kredytów hipotecznych. Ale <a href="https://demagog.org.pl/wypowiedzi/ile-mieszkan-oddano-do-uzytku-w-ciagu-ostatnich-pieciu-lat/">okres dynamicznego rozwoju lat 2015 – 2019</a> nie wynikał tylko i wyłącznie z niskich stóp procentowych. W tamtym czasie zarówno samych mieszkań było relatywnie mało, a <a href="https://stat.gov.pl/obszary-tematyczne/przemysl-budownictwo-srodki-trwale/budownictwo/cena-1-m2-powierzchni-uzytkowej-budynku-mieszkalnego-oddanego-do-uzytkowania,8,1.html">budowanie mieszkań z perspektywy inwestorów prywatnych było tanie</a>. Było także dużo przestrzeni na budowę nowych mieszkań.</p> <p>O ile nadal jest tak, że <a href="https://www.statista.com/statistics/867687/total-number-dwellings-per-one-thousand-citizens-europe/">mamy relatywnie mało mieszkań w porównaniu z innymi krajami Unii Europejskiej</a>, o tyle wraz z nowymi mieszkaniami skurczyła się przestrzeń do budowy mieszkań w dużych miastach. W sytuacji, w której ta kwestia pozostaje niezaadresowana, wsparcie kupujących przesuwa równowagę rynkową w kierunku wyższych cen. Tak więc program będzie z jednej strony zwiększał możliwości zakupowe pewnych grup ludzi kosztem innych osób. Poza tym, założenie że da się za pomocą jednego środka rozwiązywać problem przez cały czas jest po prostu błędne. </p> <p>Po pierwsze, sytuacja się zmienia i nie funkcjonujemy w warunkach z drugiej połowy lat 10. Po drugie, interesariusze rynku mieszkaniowego narzekają dzisiaj nie tylko na drogi kredyt, ale także na drożyznę i nieadekwatną politykę publiczną. Po trzecie wreszcie, rynek mieszkaniowy jest skomplikowanym mechanizmem. A nie da się dobrze rozwiązać skomplikowanych problemów za pomocą jednego narzędzia, do tego relatywnie prostego. Niezależnie od tego, czy używasz go w sposób wyważony, czy próbujesz nim pomóc bardziej potrzebującym grupom ludzi.</p>  <div class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-boxed multiple-authors-target-the-content box-post-id-146 box-instance-id-1 ppma_boxes_146" data-post_id="146" data-instance_id="1" data-additional_class="pp-multiple-authors-layout-boxed.multiple-authors-target-the-content" data-original_class="pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-146 box-instance-id-1"> <span class="ppma-layout-prefix"></span> <div class="ppma-author-category-wrap"> <span class="ppma-category-group ppma-category-group-"> <ul class="pp-multiple-authors-boxes-ul"> <li class="pp-multiple-authors-boxes-li author_index_0 author_szymonwieczorek has-avatar"> <div class="pp-author-boxes-avatar"> <img alt='Szymon Wieczorek' src='https://www.polon.pl/wp-content/uploads/2023/05/Szymon_Wieczorek.webp' srcset='https://www.polon.pl/wp-content/uploads/2023/05/Szymon_Wieczorek.webp' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'/> </div> <div class="pp-author-boxes-avatar-details"> <div class="pp-author-boxes-name multiple-authors-name"> <a href="https://www.polon.pl/author/szymonwieczorek/" rel="author" title="Szymon Wieczorek" class="author url fn">Szymon Wieczorek</a> </div> <p class="pp-author-boxes-description multiple-authors-description"> Absolwent ekonomii w SGH oraz Universitat Autònoma de Barcelona. 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type='application/ld+json'>{"@context":"http:\/\/schema.org","@type":"article","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.polon.pl\/finanse\/mieszkanie-na-start-rozwiaze-czy-stworzy-problemy-na-rynku-mieszkaniowym\/"},"dateCreated":"2024-04-30 07:00:00","datePublished":"2024-04-30 07:00:00","dateModified":"2024-04-29 21:14:57","url":"https:\/\/www.polon.pl\/finanse\/mieszkanie-na-start-rozwiaze-czy-stworzy-problemy-na-rynku-mieszkaniowym\/","headline":"„Mieszkanie na Start” – rozwi\u0105\u017ce czy stworzy problemy na rynku mieszkaniowym?","name":"„Mieszkanie na Start” – rozwi\u0105\u017ce czy stworzy problemy na rynku mieszkaniowym?","articleBody":"\n<h3 class=\"wp-block-heading\">\"<strong>Mieszkanie na start\" jest potrzebne?<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.gov.pl\/web\/rozwoj-technologia\/kredyt-mieszkaniowy-nastart-na-sciezce-legislacyjnej\">8 kwietnia rz\u0105d og\u0142osi\u0142 projekt nowego programu mieszkaniowego \u2013 \u201eKredyt na start\u201d<\/a>. Projekt ten by\u0142 jednym ze znacz\u0105cych postulat\u00f3w Koalicji Obywatelskiej w ostatnich wyborach parlamentarnych. Od samego pocz\u0105tku ten projekt by\u0142 prezentowany jako lepszy, poniewa\u017c b\u0119dzie oferowa\u0142 wi\u0119ksz\u0105 dop\u0142at\u0119 do kredyt\u00f3w mieszkaniowych ni\u017c og\u0142oszony pod koniec drugiej kadencji rz\u0105d\u00f3w PiS \u2013 \u201eBezpieczny Kredyt 2 procent\u201d. I pod tym wzgl\u0119dem faktycznie rz\u0105d wywi\u0105zuje si\u0119 z danego zobowi\u0105zania. Ale czy taka forma wsparcia rzeczywi\u015bcie generuje wi\u0119cej korzy\u015bci ni\u017c problem\u00f3w na rynku mieszkaniowym?<\/p>\n\n\n\n<p>Polski Instytut Ekonomiczny (PIE) wskazuje na obserwowany od pandemii COVID-19 spadek si\u0142y nabywczej wynagrodze\u0144 na rynku mieszkaniowym. <a href=\"https:\/\/biznes.pap.pl\/pl\/news\/pap\/info\/3578615,zdolnosc-sfinansowania-zakupu-mieszkania-z-przecietnego-wynagrodzenia-jest-nizsza-niz-przed-pandemia---pie\">O ile w 2019 roku przeci\u0119tne wynagrodzenia pozwala\u0142o na kupno 0,98 m<sup>2<\/sup> mieszkania, o tyle w 2022 roku by\u0142o to ju\u017c tylko 0,88 m<sup>2<\/sup><\/a>. Tak\u017ce opinia publiczna coraz bardziej krytycznie odnosi si\u0119 do dynamicznie rosn\u0105cych cen. Tym bardziej, \u017ce ju\u017c przy BK2% obserwowali\u015bmy dynamiczne wzrosty cen mieszka\u0144. Skoro nowy program opiera si\u0119 na tym samym mechanizmie, to dlaczego tym razem efekt mia\u0142by by\u0107 inny?<\/p>\n\n\n\n<p>A skoro jeste\u015bmy przy por\u00f3wnywaniu obu program\u00f3w, to sp\u00f3jrzmy na r\u00f3\u017cnice mi\u0119dzy nimi:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Program<\/strong><\/td><td><strong>Mieszkanie na Start<\/strong><\/td><td><strong>Bezpieczny Kredyt 2%<\/strong><\/td><\/tr><tr><td>Bud\u017cet<\/td><td>30, 4 mld z\u0142 do 2032 roku \u2013 program 570 mln z\u0142 \u2013 gwarancje wk\u0142adu w\u0142asnego<\/td><td>16,1 mld z\u0142 do 2032 roku<\/td><\/tr><tr><td>Liczba planowanych adresat\u00f3w programu<\/td><td><a href=\"https:\/\/biznes.pap.pl\/pl\/news\/search\/info\/48139920,w-ramach--mieszkania-na-start--bedzie-limit-15-tys--wnioskow-na-kwartal\">Limit 15 tys. wniosk\u00f3w wsparcia na kwarta\u0142<\/a><\/td><td>180 tys.<\/td><\/tr><tr><td>Zasady wsparcia \u2013 wnioskuj\u0105cy<\/td><td>Wnioskuj\u0105cy nie posiada prawa w\u0142asno\u015bci \u017cadnego domu lub mieszkania Wnioskuj\u0105cy jest singlem do 35 r.\u017c. lub jest cz\u0119\u015bci\u0105 dwuosobowego gosp. domowego<\/td><td>Wnioskuj\u0105cy nie posiada prawa w\u0142asno\u015bci \u017cadnego domu lub mieszkania Wnioskuj\u0105cy jest osob\u0105 do 45 r.\u017c.<\/td><\/tr><tr><td>Zasady wsparcia \u2013 kredyt<\/td><td>Dop\u0142ata do 120 pierwszych rat kredytu hipotecznego Dop\u0142ata do 60 pierwszych rat kredytu konsumenckiego, zaci\u0105gni\u0119tego na wk\u0142ad w\u0142asny<\/td><td>Dop\u0142ata do 120 pierwszych rat kredytu hipotecznego Gwarancja BGK wk\u0142adu w\u0142asnego<\/td><\/tr><tr><td>Maksymalna wielko\u015b\u0107 wsparcia<\/td><td>200 tys. \u2013 600 tys.,<br>w zale\u017cno\u015bci od liczby os\u00f3b tworz\u0105cych gospodarstwo domowe Dop\u0142aty s\u0105 podwy\u017cszane, je\u017celi ceny za m<sup>2<\/sup> istotnie przekraczaj\u0105 \u015bredni\u0105 krajow\u0105 cen\u0119<\/td><td>500 tys. dla jednej osoby 600 tys. dla ma\u0142\u017conk\u00f3w albo os\u00f3b wsp\u00f3lnie wychowuj\u0105cych dziecko<\/td><\/tr><tr><td>Kryterium powierzchniowe<\/td><td>Maks. 50 m<sup>2<\/sup> dla gospodarstwa jednoosobowego Dodatkowe 25 m<sup>2<\/sup> za ka\u017cdego dodatkowego cz\u0142onka gospodarstwa jednoosobowego<\/td><td>Nie, ale sama wielko\u015b\u0107 wsparcia ogranicza<\/td><\/tr><tr><td>Uzale\u017cnienie dop\u0142at od dochodu<\/td><td>Tak<\/td><td>Nie<\/td><\/tr><tr><td>Uzale\u017cnienie dop\u0142at od liczby dzieci<\/td><td>Tak  <\/td><td>Nie<\/td><\/tr><tr><td>Czy program adresuje inne bariery dla rynku mieszkaniowego?<\/td><td>NIE<\/td><td>NIE<\/td><\/tr><tr><td>Czy program doprowadzi do istotnego wzrostu liczby mieszka\u0144?<\/td><td>NIE<\/td><td>NIE<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Nowy program mieszkaniowy ma kilka istotnych obwarowa\u0144, kt\u00f3rych nie by\u0142o w BK2%. Maj\u0105 one na celu zapewnienie, \u017ce z programu najbardziej skorzystaj\u0105 osoby wielodzietne i maj\u0105ce relatywnie ni\u017csze dochody.<\/p>\n\n\n\n<p>Sp\u00f3jrzmy na to, jak du\u017ca cz\u0119\u015b\u0107 odsetek b\u0119dzie p\u0142acona przez uczestnik\u00f3w programu w zale\u017cno\u015bci od liczby dzieci:<\/p>\n\n\n\n<ul>\n<li>1,5% dla gospodarstw bezdzietnych,<\/li>\n\n\n\n<li>1% dla gospodarstw z jednym dzieckiem,<\/li>\n\n\n\n<li>0,5% dla gospodarstw z dw\u00f3jk\u0105 dzieci,<\/li>\n\n\n\n<li>0% dla gospodarstw z tr\u00f3jk\u0105 i wi\u0119cej dzieci.<\/li>\n<\/ul>\n\n\n\n<p>Podobnie rzecz ma si\u0119 z sam\u0105 warto\u015bci\u0105 dop\u0142aty do zaci\u0105ganego kredytu hipotecznego:<\/p>\n\n\n\n<ul>\n<li>200 tys. z\u0142 dla gospodarstw jednoosobowych,<\/li>\n\n\n\n<li>400 tys. z\u0142 dla gospodarstw dwuosobowych,<\/li>\n\n\n\n<li>450 tys. z\u0142 dla gospodarstw trzyosobowych,<\/li>\n\n\n\n<li>500 tys. z\u0142 dla gospodarstw czteroosobowych,<\/li>\n\n\n\n<li>600 tys. z\u0142 dla gospodarstw pi\u0119cioosobowych i liczniejszych.<\/li>\n<\/ul>\n\n\n\n<p>Powy\u017csza warto\u015b\u0107 dotyczy zar\u00f3wno ma\u0142\u017ce\u0144stw, jak i samotnych rodzic\u00f3w. Dop\u0142ata ta jest powi\u0119kszana o 10%, je\u017celi \u015brednia cena za m<sup>2<\/sup> przekracza \u015bredni\u0105 krajow\u0105 cen\u0119 o ponad 25%, a o 20%, gdy cena przekracza \u015bredni\u0105 krajow\u0105 o ponad 50%.<\/p>\n\n\n\n<p>Do tego dochodzi kryterium dochodowe. Powy\u017cej:<\/p>\n\n\n\n<ul>\n<li>7 000 z\u0142 dla gospodarstw jednoosobowych,<\/li>\n\n\n\n<li>13 000 z\u0142 dla gospodarstw dwuosobowych,<\/li>\n\n\n\n<li>16 000 z\u0142 dla gospodarstw trzyosobowych,<\/li>\n\n\n\n<li>19 500 z\u0142 dla gospodarstw czteroosobowych,<\/li>\n\n\n\n<li>23 000 z\u0142 dla gospodarstw pi\u0119cioosobowych i liczniejszych<\/li>\n<\/ul>\n\n\n\n<p>Wielko\u015b\u0107 dop\u0142aty do ka\u017cdej raty jest pomniejszana o 25% przekroczenia.<\/p>\n\n\n\n<p>Powy\u017cej opisane warunki s\u0105 najwa\u017cniejsz\u0105 r\u00f3\u017cnic\u0105 wzgl\u0119dem BK2%. Czy sprawi\u0105 one, \u017ce z programu rzeczywi\u015bcie bardziej skorzystaj\u0105 rodziny z dzie\u0107mi oraz osoby z ni\u017cszymi dochodami? Czas poka\u017ce. Ministerstwo Rozwoju i Technologii wskazuje, \u017ce \u201eKredyt na start\u201d b\u0119dzie w znacznie mniejszym stopniu powodowa\u0142o wzrosty cen mieszka\u0144. O ile ograniczenie grup mog\u0105cych korzysta\u0107 z programu w istocie mo\u017ce os\u0142abi\u0107 t\u0119 tendencj\u0119, o tyle nie sprawi, \u017ce ceny mieszka\u0144 b\u0119d\u0105 sta\u0107 w miejscu.<\/p>\n\n\n\n<p>Niepokoj\u0105ce jest jednak to, \u017ce politycy widz\u0105 tylko jedn\u0105 stron\u0119 r\u00f3wnania w rynku mieszkaniowym. Zdaniem rz\u0105dz\u0105cych to brak mo\u017cliwo\u015bci finansowych jest g\u0142\u00f3wnym problemem. Oczywi\u015bcie, wysokie stopy procentowe utrudniaj\u0105 dost\u0119p do kredyt\u00f3w hipotecznych. Ale <a href=\"https:\/\/demagog.org.pl\/wypowiedzi\/ile-mieszkan-oddano-do-uzytku-w-ciagu-ostatnich-pieciu-lat\/\">okres dynamicznego rozwoju lat 2015 \u2013 2019<\/a> nie wynika\u0142 tylko i wy\u0142\u0105cznie z niskich st\u00f3p procentowych. W tamtym czasie zar\u00f3wno samych mieszka\u0144 by\u0142o relatywnie ma\u0142o, a <a href=\"https:\/\/stat.gov.pl\/obszary-tematyczne\/przemysl-budownictwo-srodki-trwale\/budownictwo\/cena-1-m2-powierzchni-uzytkowej-budynku-mieszkalnego-oddanego-do-uzytkowania,8,1.html\">budowanie mieszka\u0144 z perspektywy inwestor\u00f3w prywatnych by\u0142o tanie<\/a>. By\u0142o tak\u017ce du\u017co przestrzeni na budow\u0119 nowych mieszka\u0144.<\/p>\n\n\n\n<p>O ile nadal jest tak, \u017ce <a href=\"https:\/\/www.statista.com\/statistics\/867687\/total-number-dwellings-per-one-thousand-citizens-europe\/\">mamy relatywnie ma\u0142o mieszka\u0144 w por\u00f3wnaniu z innymi krajami Unii Europejskiej<\/a>, o tyle wraz z nowymi mieszkaniami skurczy\u0142a si\u0119 przestrze\u0144 do budowy mieszka\u0144 w du\u017cych miastach. W sytuacji, w kt\u00f3rej ta kwestia pozostaje niezaadresowana, wsparcie kupuj\u0105cych przesuwa r\u00f3wnowag\u0119 rynkow\u0105 w kierunku wy\u017cszych cen. Tak wi\u0119c program b\u0119dzie z jednej strony zwi\u0119ksza\u0142 mo\u017cliwo\u015bci zakupowe pewnych grup ludzi kosztem innych os\u00f3b. Poza tym, za\u0142o\u017cenie \u017ce da si\u0119 za pomoc\u0105 jednego \u015brodka rozwi\u0105zywa\u0107 problem przez ca\u0142y czas jest po prostu b\u0142\u0119dne. <\/p>\n\n\n\n<p>Po pierwsze, sytuacja si\u0119 zmienia i nie funkcjonujemy w warunkach z drugiej po\u0142owy lat 10. Po drugie, interesariusze rynku mieszkaniowego narzekaj\u0105 dzisiaj nie tylko na drogi kredyt, ale tak\u017ce na dro\u017cyzn\u0119 i nieadekwatn\u0105 polityk\u0119 publiczn\u0105. Po trzecie wreszcie, rynek mieszkaniowy jest skomplikowanym mechanizmem. A nie da si\u0119 dobrze rozwi\u0105za\u0107 skomplikowanych problem\u00f3w za pomoc\u0105 jednego narz\u0119dzia, do tego relatywnie prostego. Niezale\u017cnie od tego, czy u\u017cywasz go w spos\u00f3b wywa\u017cony, czy pr\u00f3bujesz nim pom\u00f3c bardziej potrzebuj\u0105cym grupom ludzi.<\/p>\n","author":{"@type":"Person","name":"Szymon Wieczorek","url":"https:\/\/www.polon.pl\/author\/szymonwieczorek\/"},"articleSection":["Finanse"],"image":{"@type":"ImageObject","url":"https:\/\/www.polon.pl\/wp-content\/uploads\/2024\/04\/51-_1_.webp","width":1500,"height":863},"publisher":{"@type":"Organization","name":"","url":"https:\/\/www.polon.pl","logo":{"@type":"ImageObject","url":""},"sameAs":["https:\/\/www.facebook.com\/P0L0Npl\/","https:\/\/twitter.com\/polonpl_","https:\/\/www.linkedin.com\/company\/polonpl\/"]}}</script> <script type='application/ld+json'>{"@context":"http:\/\/schema.org","@type":"hentry","entry-title":"„Mieszkanie na Start” – rozwi\u0105\u017ce czy stworzy problemy na rynku mieszkaniowym?","published":"2024-04-30 07:00:00","updated":"2024-04-29 21:14:57"}</script> <script type="text/javascript">;!function(){"use strict";window.jnews=window.jnews||{},window.jnews.first_load=window.jnews.first_load||{},window.jnews.first_load=function(){var e=this,t=jnews.library,n="object"==typeof jnews&&"object"==typeof jnews.library;e.data=null,e.run_ajax=!0,e.run_loginregister=!0,e.clear=function(){e.run_ajax=!0,e.run_loginregister=!0,e.data=null},e.init=function(){n&&(t.globalBody.querySelectorAll(".jeg_popup_account").length&&jnews.loginregister&&e.run_loginregister&&(e.run_loginregister=!1,jnews.loginregister.init(),jnews.loginregister.hook_form()),jfla.length&&e.run_ajax&&(e.run_ajax=!1,e.do_ajax({action:"jnews_first_load_action",jnews_id:jnewsoption.postid,load_action:jfla})))},e.update_counter=function(){if(n){var o={total_view:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_views_count .counts"),total_share:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_share_count .counts"),total_comment:t.globalBody.querySelectorAll(".jeg_meta_comment a span")};t.forEach(Object.entries(e.data.counter),(function([e,n]){o[e].length&&t.forEach(o[e],(function(e,o){t.setText(e,n)}))}))}},e.do_ajax=function(o){if(n){var a=new XMLHttpRequest;a.onreadystatechange=function(){XMLHttpRequest.DONE===a.readyState&&200==a.status&&(e.data=JSON.parse(a.responseText),e.data.counter&&"object"==typeof e.data.counter&&e.update_counter())},a.open("POST",jnews_ajax_url,!0),a.setRequestHeader("Content-Type","application/x-www-form-urlencoded; charset=UTF-8"),a.send(t.httpBuildQuery(o))}}},window.jnews.first_load=new window.jnews.first_load,jnews.first_load.init()}();</script>  <div id="cookie-notice" role="dialog" class="cookie-notice-hidden cookie-revoke-hidden cn-position-bottom" aria-label="Cookie Notice" style="background-color: rgba(50,50,58,1);"><div class="cookie-notice-container" style="color: #fff"><span id="cn-notice-text" class="cn-text-container">Ta strona korzysta z ciasteczek aby świadczyć usługi na najwyższym poziomie. 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"Mieszkanie na Start" - rozwiąże czy stworzy problemy na rynku mieszkaniowym? - Polon.pl