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Eurofound's EU PolicyWatch collates information on the responses of government and social partners to the COVID-19 crisis, the war in Ukraine, rising inflation, as well as gathering examples of company practices aimed at mitigating the social and economic impacts.

Factsheet for measure PL-2022-21/2361 – measures in Poland

Help with mortgage payments

Pomoc w spłacie kredytu hipotecznego

Country Poland , applies nationwide
Time period Open ended, started on 17 May 2022
Context War in Ukraine
Type Legislations or other statutory regulations
Category Measures to prevent social hardship
– Keeping or obtaining a safe home
Author Jan Czarzasty (Warsaw School of Economics) and Eurofound
Measure added 20 May 2022 (updated 19 September 2022)

Background information

According to the Prime Minister Mateusz Morawiecki, Russia’s aggression against Ukraine and Russia’s policy lead to high oil and gas prices, thus affecting inflation. It resulted in higher interest rates and increased loan repayments. In order to support and help families with loan payments in PLN, the government has introduced a new bill, which proposes further measures to alleviate high prices for citizens.

Content of measure

The bill targets families with mortgages in PLN. It consists of four pillars.

  1. It amounts to PLN 3 billion (approx. €652 million) per year and provides four months of “payment holidays”, which means no interest on the mortgage value for the holiday period. All borrowers can apply.
  2. It provides assistance for borrowers with temporary problems. This support amounts to PLN 1.4 billion (approx. €304.3 million) in 2022 and PLN 2 billion (approx. €434.8 million) in 2023. Family can obtain up to PLN 2,000 per month for 3 years. PLN 72,000 has to be paid back and PLN 22,000 can be remitted. To be eligible, the family has to fulfil one of the conditions:

  3. one of the borrowers is unemployed;

  4. the monthly servicing fee of a mortgage exceeds 50% of the monthly income;
  5. monthly income in 2022 after deduction of the servicing fee does not exceed PLN 1,552 / person in one-person households or PLN 1,200 / person in multi-person households.

  6. It introduces a new interest rate indicator instead of WIBOR in 2023. It will cost PLN 1 billion (approx. €217.4 million) per year. The change in the interest rate decreases borrowers’ payments by PLN 1 billion per year.

  7. It introduces an Assistance Fund.

Use of measure

The government estimated that around two millions of citizens will benefit from this bill. As of 30 August 2022, 873,000 of accounts were granted the "payment holidays" status. The total value of the accounts was PLN 228,000,000,000 (€48,511,000,000). A total of 44,3% of eligible mortgages used the payment holidays.

Target groups

Workers Businesses Citizens
Does not apply to workers Does not apply to businesses Applies to all citizens

Actors and funding

Actors Funding
National government
National funds

Social partners

Social partners' role in designing the measure and form of involvement:

Trade unions Employers' organisations
Role Unknown Unknown
Form Not applicable Not applicable

Social partners' role in the implementation, monitoring and assessment phase:

  • Unknown
  • Main level of involvement: N/A



Views and reactions


Sectors and occupations

    • Economic area Sector (NACE level 2)
      K - Financial And Insurance Activities K64 Financial service activities, except insurance and pension funding

This case is not occupation-specific.


  • 25 April 2022: The government will help Polish families with mortgage payments (
  • 17 May 2022: Help for borrowers is getting closer. The government adopted the bill (
  • 10 August 2022: Złożonych zostało ok. 850 tys. wniosków w sprawie wakacji kredytowych - Pietraszkiewicz, ZBP (
  • 01 September 2022: August 2022 data on payment holidays in article (


Eurofound (2022), Help with mortgage payments, measure PL-2022-21/2361 (measures in Poland), EU PolicyWatch, Dublin,


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Disclaimer: This information has not been subject to the full Eurofound evaluation, editorial and publication process.