What is the official ID of this bill?

The official print number for this legislation is PROJEKT USTAWY 65.

When did the legislative process begin?

The process officially started on 2023-11-24.

What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: https://api.sejm.gov.pl/sejm/term10/prints/65/65.pdf

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-30.

What is the latest detailed status?

The latest detailed status is: Skierowano do I czytania w komisjach

Analysis and Potential Impact of PROJEKT USTAWY 65

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

Extension of Mortgage Payment Holidays with New Conditions for 2024

Q: What are the main provisions?

Key points include: The option to suspend mortgage payments (payment holidays) is extended until December 31, 2024. Borrowers with loans up to PLN 400,000 can use payment holidays without additional conditions. For loans between PLN 400,000 and PLN 800,000, payment suspension will only be possible if the monthly installment exceeds 50% of the average monthly household income. Applications for payment suspension will require a declaration of household income and the number of household members if the loan exceeds PLN 400,000.

The draft law extends the possibility of suspending mortgage payments for 2024. New rules introduce restrictions, meaning not all borrowers will be able to use this support. The changes aim to help those still struggling with loan repayments, considering the loan amount and household income.

Key points

The option to suspend mortgage payments (payment holidays) is extended until December 31, 2024.

Borrowers with loans up to PLN 400,000 can use payment holidays without additional conditions.

For loans between PLN 400,000 and PLN 800,000, payment suspension will only be possible if the monthly installment exceeds 50% of the average monthly household income.

Applications for payment suspension will require a declaration of household income and the number of household members if the loan exceeds PLN 400,000.

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Status:

Introduced

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Additional Information

Rządowy projekt ustawy o zmianie ustawy o finansowaniu społecznościowym dla przedsięwzięć gospodarczych i pomocy kredytobiorcom.

Print number: PROJEKT USTAWY 65

Process start date: 2023-11-24

System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.

Summarized by: gemini-2.5-flash-preview-05-20

Source data: api.sejm.gov.pl

AI work logs for this document launch