EN
The aim of this article is to put forward the following hypothesis: during the crisis of the trust non-used potential of the social capital is a barrier to low-income housing needs financing in Poland. Author presents the role of trust crisis in theory and practice pointing out definitions of the trust. In the second part of this paper author presents the possibilities of using social capital to financing housing needs. Trust creation, as a basic attribute of the social capital can have positive influence on the social well-being. However, it needs multifaceted acts at the local, regional and national level.