{"data":{"asOf":"2026-Q4","quarterLabel":"IV kwartał 2026","infoDate":"2026-10-01","validFrom":"2026-10-01","previousQuarter":"2026-Q3","coefficients":{"primaryMarket":1.4,"secondaryMarket":1.3},"programEnd":"2030-12-31","updatedAt":"2026-11-13T16:26:00.269Z","dataChangedAt":"2026-11-12T22:53:24.571Z","publisher":"Bank Gospodarstwa Krajowego (BGK)","attribution":"Bank Gospodarstwa Krajowego, na podstawie obwieszczeń wojewodów","license":"dane BGK bez określonej licencji, cytowane z podaniem źródła","sourceUrl":"https://www.bgk.pl/produkty/rodzinny-kredyt-mieszkaniowy/","sourceFileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/limity_cen_-_kalkulator_RKM_01-10-2026-1.pdf","units":{"primaryMarket":"PLN per m2 of usable floor area, first buyer from the developer (primary-market coefficient x average replacement cost indicator)","secondaryMarket":"PLN per m2, flat from a previous owner or cooperative ownership right (secondary-market coefficient)","changePct":"change of the primary-market limit against the previous quarter, %","yoyPct":"change against the same quarter a year earlier, %","offerFitPct":"share of developer price-list flats in the city with the price per m2 at or below the primary-market limit, %"},"summary":{"highest":{"key":"warszawa","label":"Warszawa","primaryMarket":17497.7},"lowest":{"key":"opolskie-pozostale","label":"Pozostałe gminy woj. 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Krakowem","primaryMarket":12053.3,"secondaryMarket":11192.35,"previousPrimaryMarket":11597.04,"changePct":3.9,"yoyPct":13.2,"history":[{"quarter":"2026-Q1","primaryMarket":10647,"secondaryMarket":9886.5},{"quarter":"2026-Q2","primaryMarket":11597.04,"secondaryMarket":10768.68},{"quarter":"2026-Q3","primaryMarket":11597.04,"secondaryMarket":10768.68},{"quarter":"2026-Q4","primaryMarket":12053.3,"secondaryMarket":11192.35}]},{"key":"malopolskie-pozostale","kind":"rest","voivodeship":"małopolskie","city":null,"label":"Pozostałe gminy woj. małopolskiego","primaryMarket":10087.7,"secondaryMarket":9367.15,"previousPrimaryMarket":9664.2,"changePct":4.4,"yoyPct":13.7,"history":[{"quarter":"2026-Q1","primaryMarket":8872.5,"secondaryMarket":8238.75},{"quarter":"2026-Q2","primaryMarket":9664.2,"secondaryMarket":8973.9},{"quarter":"2026-Q3","primaryMarket":9664.2,"secondaryMarket":8973.9},{"quarter":"2026-Q4","primaryMarket":10087.7,"secondaryMarket":9367.15}]}],"offerFit":{"id":"finwire_rkm_offer_fit","name":"Mieszkania w limicie kredytu bez wkładu finwire","date":"2026-11-14","quarter":"2026-Q4","sharePct":42.1,"offers":98119,"offersWithinLimit":41304,"previous":null,"changePp":null,"minOffersPerCity":20,"cities":[{"city":"Gorzów Wielkopolski","key":"gorzow-wielkopolski","primaryMarket":12250,"offers":762,"offersWithinLimit":761,"sharePct":99.9,"medianOfferPricePerM2":8900},{"city":"Zielona Góra","key":"zielona-gora","primaryMarket":11637.15,"offers":1350,"offersWithinLimit":1219,"sharePct":90.3,"medianOfferPricePerM2":10000},{"city":"Olsztyn","key":"olsztyn","primaryMarket":13644.4,"offers":789,"offersWithinLimit":703,"sharePct":89.1,"medianOfferPricePerM2":10150},{"city":"Rzeszów","key":"rzeszow","primaryMarket":12634.3,"offers":2647,"offersWithinLimit":2002,"sharePct":75.6,"medianOfferPricePerM2":11000},{"city":"Poznań","key":"poznan","primaryMarket":14645.4,"offers":7192,"offersWithinLimit":4926,"sharePct":68.5,"medianOfferPricePerM2":13120},{"city":"Lublin","key":"lublin","primaryMarket":11958.97,"offers":5023,"offersWithinLimit":3126,"sharePct":62.2,"medianOfferPricePerM2":10950},{"city":"Szczecin","key":"szczecin","primaryMarket":12420.1,"offers":2873,"offersWithinLimit":1554,"sharePct":54.1,"medianOfferPricePerM2":12100},{"city":"Warszawa","key":"warszawa","primaryMarket":17497.7,"offers":17046,"offersWithinLimit":8953,"sharePct":52.5,"medianOfferPricePerM2":17178.99},{"city":"Białystok","key":"bialystok","primaryMarket":11369.4,"offers":3502,"offersWithinLimit":1641,"sharePct":46.9,"medianOfferPricePerM2":11550},{"city":"Wrocław","key":"wroclaw","primaryMarket":14739.2,"offers":11026,"offersWithinLimit":4946,"sharePct":44.9,"medianOfferPricePerM2":15300},{"city":"Bydgoszcz","key":"bydgoszcz","primaryMarket":10726.1,"offers":2102,"offersWithinLimit":903,"sharePct":43,"medianOfferPricePerM2":11000},{"city":"Gdańsk","key":"gdansk","primaryMarket":13732.6,"offers":6114,"offersWithinLimit":2305,"sharePct":37.7,"medianOfferPricePerM2":16236.11},{"city":"Kielce","key":"kielce","primaryMarket":10858.41,"offers":1299,"offersWithinLimit":481,"sharePct":37,"medianOfferPricePerM2":11200},{"city":"Łódź","key":"lodz","primaryMarket":10062.5,"offers":13081,"offersWithinLimit":3129,"sharePct":23.9,"medianOfferPricePerM2":11425},{"city":"Katowice","key":"katowice","primaryMarket":11172.7,"offers":6201,"offersWithinLimit":1341,"sharePct":21.6,"medianOfferPricePerM2":12750},{"city":"Kraków","key":"krakow","primaryMarket":14018.9,"offers":15011,"offersWithinLimit":3154,"sharePct":21,"medianOfferPricePerM2":15912.93},{"city":"Toruń","key":"torun","primaryMarket":9983.75,"offers":1493,"offersWithinLimit":117,"sharePct":7.8,"medianOfferPricePerM2":11900},{"city":"Opole","key":"opole","primaryMarket":9414.27,"offers":608,"offersWithinLimit":43,"sharePct":7.1,"medianOfferPricePerM2":11400}]},"quarters":[{"quarter":"2023-Q1","infoDate":"2023-02-22","validFrom":"2023-03-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/1Q2023_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2023-Q2","infoDate":"2023-04-05","validFrom":"2023-04-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/2Q2023_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2023-Q3","infoDate":"2023-06-30","validFrom":"2023-07-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/3Q2023_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2023-Q4","infoDate":"2023-10-09","validFrom":"2023-10-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/4Q2023_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2024-Q1","infoDate":"2023-12-29","validFrom":"2024-01-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/1Q2024_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2024-Q2","infoDate":"2024-04-03","validFrom":"2024-04-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/2Q2024_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2024-Q3","infoDate":"2024-06-28","validFrom":"2024-07-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/3Q2024_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2024-Q4","infoDate":"2024-10-01","validFrom":"2024-10-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/4Q2024_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2025-Q1","infoDate":"2024-12-31","validFrom":"2025-01-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/1Q2025_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2025-Q2","infoDate":"2025-04-03","validFrom":"2025-04-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/2Q2025_Zestawienie_limit%C3%B3w_cen__1_.pdf"},{"quarter":"2025-Q3","infoDate":"2025-06-30","validFrom":"2025-07-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/3Q2025_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2025-Q4","infoDate":"2025-10-01","validFrom":"2025-10-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/4Q2025_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2026-Q1","infoDate":"2025-12-31","validFrom":"2026-01-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/1Q2026_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2026-Q2","infoDate":"2026-03-31","validFrom":"2026-04-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/2Q2026_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2026-Q3","infoDate":"2026-06-30","validFrom":"2026-07-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/3Q2026_Zestawienie_limit%C3%B3w_cen.pdf"},{"quarter":"2026-Q4","infoDate":"2026-10-01","validFrom":"2026-10-01","fileUrl":"https://www.bgk.pl/files/public/Pliki/Osoby_fizyczne/Gwarancja_wkladu_wlasnego/limity_cen_-_kalkulator_RKM_01-10-2026-1.pdf"}]},"meta":{"datasetId":"rkm-price-limits","source":"Bank Gospodarstwa Krajowego, na podstawie obwieszczeń wojewodów","sourceUrl":"https://www.bgk.pl/produkty/rodzinny-kredyt-mieszkaniowy/","license":"Data published by Bank Gospodarstwa Krajowego (state development bank) without stated reuse terms, not CC BY: cite with attribution to BGK (dane BGK bez określonej licencji, cytowane z podaniem źródła). The finwire.pl compilation (quarter-on-quarter changes, finwire_rkm_offer_fit) requires attribution to finwire.pl and BGK.","asOf":"2026-Q4","fetchedAt":"2026-11-14T06:19:52.024Z","citation":"Source: finwire.pl (Bank Gospodarstwa Krajowego, na podstawie obwieszczeń wojewodów), https://public-api.finwire.pl/datasets/rkm-price-limits","docsUrl":"https://public-api.finwire.pl/datasets/rkm-price-limits"}}