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EN
: The purpose of this article is to present the main principles of Polish housing policy and to compare it with the housing policy in the European Union. Poland, as an UE member, did not hammer out successful solutions which could facilitate the process of building new low-rental dwellings. The author's aim is to find the answer to research question: is it worth concentrating on fulfilling housing needs of low-income households in Poland and if yes, why? In order to do this the following hypothesis is put forward: on account of long-standing neglect connected with the Polish social housing finance there is an urgent need of housing reform oriented to the low-income housing growth.
EN
In many countries the mortgage banking plays a basic role in the housing funding. The Polish model of the housing funding in large measure grounded on banking loans. However, more than 95% of mortgage loans come from universal banks. Mortgage banks, which have existed in the Polish economy for 10 years still play a small role in housing funding.
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