Many people keep papers and items from the times of the Polish People's Republic in their drawers, which can be of considerable value today. 1 specified treasure is Residential bookwhich can inactive bring the owner a large amount. What is simply a housing book, how it can be used, and how to check whether it can even be valued 16 1000 PLN? Find out what your options are and what it is worth to know about this Polish PRL "treche".
What was the housing book in PRL?
In the times of PRL housing books were 1 of the most crucial austerity tools. Poles utilized them to rise funds for purchase of an apartment or building a house. It was a strategy that allowed for a systematic deposit of money, and the state was to supply additional support in the form of a bonus to aid realise the dream of its own apartment.
After the end of the Polish People's Republic and economical change, the savings strategy ceased to function and the value of the funds collected decreased significantly. In consequence to this situation, the authorities introduced Guarantee premiumTo compensate for the lost savings.
Guarantee premium – what is it and how does it work?
Guarantee premium are additional measures that can be obtained, provided that they are allocated to housing. This premium shall be calculated on the basis of the contributions made on the housing book and the time by which they were collected. Banks, specified as PKO BP, they shall calculate its amount, taking into account inflation and the value of money over a given period.
The warrant premium may be from respective to respective 1000 PLNand the maximum amount to be obtained is 16 1000 PLN. However, it is worth noting that this appropriation can only be utilized for housing targets – specified as buying an apartment, building a house, renovation or repayment of a mortgage.
How do I get a warrant bonus?
To see if you have a warrant bonus, you must study to the bank that ran your housing book. In Poland this is the most common PKO BPwhich manages this programme. In order to receive the premium, an appropriate application should be submitted and papers should be submitted to show that the funds have been earmarked for housing purposes.
Also worth utilizing online premium calculator, available on the PKO BP website, which allows an first assessment of the amount of the premium. The calculator shall take into account the savings accumulated and the period during which they were postponed.
Premium value – how much can you get?
The value of the warrant premium depends on many factors. In 2024, at the gatherings PLN 25 thousand for a period 5 yearsthe estimated amount of the premium shall be 7.5 1000 PLN. But it can carry even 16 1000 PLNif the savings accumulated is higher. Interestingly, people who have books from the 1970s and 1980s can number on a very favourable calculation of bonuses, which can be much higher than today.
PRL - treasures in your home – what else could be worth?
Apart from housing books, in Poland there are inactive items from the times of the Polish People's Republic, which are of large value. It is amazing that not only furniture, but besides tiny everyday items can be valued by collectors. Among PRL of the treasures exchange, among others, old furniture – specified as Chierowski seats, toys from the 1970s and 1980s, and board games.
But the most valuable are resoraki – tiny metallic cars that were popular among children in PRL. Resoraks in the first package can scope even several 100 zlotysAnd those most sought after by collectors can cost even several 1000 zlotys.
How to check the value of your PRL treasures?
If you fishy that you have valuable items at home from the times of the Polish People's Republic, usage the services specialists or auction houseswhich specializes in the valuation of antiques. With specified experts, you can find out if your old items are of real value in the collector's market.
The times of the Polish People's Republic left behind many valuable objects that inactive have their value. Housing books This is just 1 example that can bring the owners a large warrant bonus, reaching even 16 1000 PLN. It is worth checking for specified papers in your drawer – possibly you have a real treasure in your hands!
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Check the drawers at home. This paper is worth 16 1000 PLN!
