In July 2023, Poland introduced the Safe Credit 2% program, a mortgage subsidy initiative aimed at boosting homeownership among young people and families. This program has significantly influenced the real estate market, with property prices experiencing notable fluctuations. Real estate, a cornerstone of modern economies, impacts consumer sentiment and financial stability. The program’s effects were analyzed using a synthetic control group method, which helps in understanding the causal impact of such policies. This analysis is crucial for policymakers, investors, and homeowners to gauge the effectiveness of government interventions in housing affordability. The Safe Credit 2% program not only highlights the government’s role in shaping market dynamics but also underscores the importance of real estate in economic policy discussions.
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