Polish housing savings books and state guarantee premiums, 2000-2025 (Książeczki mieszkaniowe i premie gwarancyjne 2000-2025)

PL. Roczne serie 2000-2025 o książeczkach mieszkaniowych i premiach gwarancyjnych: wydatki budżetu państwa na refundację premii (plan z ustawy budżetowej, plan po zmianach i wykonanie), premie wypłacone właścicielom przez banki, książeczki zlikwidowane z premią i bez premii, średnia premia, książeczki z prawem do premii na 31 grudnia i wkłady na nich. 280 wartości z 64 publicznych dokumentów, przy każdej dokument i miejsce w nim. Zbiór opisuje wydatki publiczne i oficjalne statystyki, nie mówi nic o konkretnej książeczce i nie jest poradą finansową ani prawną. Strona zbioru: https://obrotomierz.pl/dane/ksiazeczki-mieszkaniowe/

Annual series 2000-2025 on Polish housing savings books (książeczki mieszkaniowe) and the guarantee premiums (premie gwarancyjne) under the Act of 30 November 1995 on state aid in repaying certain housing loans, granting guarantee premiums and refunding paid guarantee premiums to banks (Dz.U. 1996 nr 5 poz. 32; consolidated text Dz.U. 2024 poz. 1774). Housing savings books are savings accounts for housing opened in the communist era; according to 2008 data, the accounts still active were opened in 1965-1990. When an owner closes a book and meets the conditions of the Act, the bank pays a guarantee premium and the state budget refunds its cost to the bank on the bank's request (art. 3c of the Act). According to the Ministry of Development and Technology (MRiT), PKO Bank Polski holds more than 99% of the accounts with the right to a premium.

The dataset compiles numbers scattered across 64 public documents: state budget execution reports of the Ministry of Finance (2000-2014 from the ministry's archive, 2015-2025 from eleven yearly resources of dataset 163 on dane.gov.pl), audit reports of the Supreme Audit Office (NIK) on budget part 18, government bills and their impact assessments printed by the Sejm, answers of MRiT to parliamentary interpellations, correspondence published by the Commissioner for Human Rights (RPO), and data of PKO Bank Polski. Every value names its document and the place in it; 187 of the 280 values also carry a PDF page and a quote. The remaining 93 come from spreadsheets (table rows written down by us), from two DOC files without page numbers, and from a web article with two charts.

Files

• seria-roczna.csv: one row per year 2000-2025. Budget classification; the budget law plan, the amended plan and the execution of spending on the refund of guarantee premiums, in thousand PLN; premiums for systematic saving (a separate chapter until 2006); premiums paid out to owners by banks; books closed with a premium, without a premium and in total; the average premium; books with the right to a premium on 31 December and the deposits on them; closures for the housing purposes added in 2021. Each value group has a source column. Two columns are computed by us and marked as such: wyliczona_srednia_premia_zl (premiums paid divided by closures with a premium, only where one document gives both numbers) and rozbiezne_miary (measures where another document reports a different number).
• wartosci.csv: one row per reported value (long format): year, measure, unit, value, period, role, document id, PDF page, location, quote and notes. Roles: seria (the value shown in the series), zgodne (another document gives the same number within its rounding), rozbiezne (another document gives a different number; the notes explain the choice) and kontekst (a value outside the series columns). The series file is generated from the seria rows, so the two cannot drift apart.
• zrodla.csv: the 64 documents with id, title, publisher, date, URL (checked on 7 November 2026) and the number of values taken from each. For dane.gov.pl, each year has its own id with the resource number and the file name.
• README.md: field-by-field description in English.

Files are UTF-8 with a byte order mark, comma-separated, dot as decimal separator. Amounts are in current (nominal) PLN.

Rule for conflicting sources. Budget plan and execution always come from the Ministry of Finance tables. For counts and stocks, an exact number wins over a rounded one, and of two rounded numbers the finer one. The average premium is taken as the source gives it; between the bank and a ministry the bank's value wins, between an exact number and a chart reading the exact number. Stocks go into the series only for 31 December; other dates go to kontekst. The other value is always kept in wartosci.csv.

Documented conflicts (both values published): average premium 2014-2016 (the Minister of Infrastructure and Construction gives about 9 490, 8 522 and 8 104.5 PLN, PKO BP 9 873.18, 8 970.80 and 8 828.87 PLN; the series uses PKO BP); average premium 2009 (the NIK value of 7 271.6 PLN corresponds to dividing by all closures rather than closures with a premium; this is our calculation, NIK does not say so; computed per book with a premium: 8 891.0 PLN); average premium 2019 (Sejm print 534: 10 213.9 PLN, PKO BP chart: 10.3 thousand PLN); average premium 2020-2023 (the PKO BP chart differs from the MRiT ratio by more than its rounding); spending 2007 (Sejm print 1392: 288.7 million PLN, execution table: 290 840 thousand PLN); spending 2018 (the draft act UD548 calls 164.7 million PLN the actual amount; this equals the amended plan, and the draft does not say which figure it gives; execution: 163 328.4 thousand PLN). Refunds from the budget and premiums paid by banks are different measures and differ by 0.2-3.5% in the years where both are known.

Gaps. 1996-1999 are not covered: the Act applies from 1 January 1996, but the public Ministry of Finance archive of execution reports starts in 2000. Within 2000-2025 several measures have missing years (listed in README.md and on the dataset page). NIK reports on part 18 for 2011, 2012, 2014, 2020, 2022 and 2024 are not yet among the sources. There is no year-end stock for 2025. No breakdown by bank or by housing purpose. Estimates of total future refunds and the sum of computed premiums for registered books are deliberately left out.

What this dataset is not. It describes public spending and official statistics. It says nothing about whether any particular book qualifies for a premium or how large it would be; the conditions are set by the Act. It does not sum years and does not estimate future payouts. It is not financial or legal advice.

Licence. The compilation (selection and arrangement of values, roles, notes and the two computed columns) is licensed under CC BY 4.0. The numbers are facts from documents. The cytat column quotes fragments of documents: official documents are not protected by copyright (art. 4 of the Polish Act on copyright and related rights), and short fragments of the PKO BP letter and of the BANK.pl / RynekPierwotny.pl article are quoted under the right of quotation (art. 29 of that Act). These fragments are not covered by the CC BY 4.0 licence. The source documents are not part of the deposit; zrodla.csv gives the title, publisher and URL of each.

Dataset page: https://obrotomierz.pl/dane/ksiazeczki-mieszkaniowe/ (method, chart, table and versions).