In Polish: Fundusz Wsparcia Kredytobiorców (FWK)
This is the word you will see in bank documents.
Definition
The Borrower Support Fund (Fundusz Wsparcia Kredytobiorców) is a state fund run by BGK that helps people in difficulty repay a housing loan. Support is up to PLN 3,000 a month for up to 40 months and goes directly to the bank towards instalments. It is repaid interest-free, and part is written off if you repay on time.
What it means for you
If you have lost your job or the instalment exceeds 40% of household income, the Fund can pay a large part of your instalment for over 3 years. The support must be repaid, but without interest, in 200 instalments, and the last 66 are written off if you repay on time. You apply at your bank, before the bank terminates the agreement.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How much support does the Borrower Support Fund give?
Up to PLN 3,000 a month for up to 40 months, i.e. up to about PLN 120,000. BGK pays the money directly to the bank towards instalments.
Does the support have to be repaid?
Yes, but without interest. Repayment starts 2 years after the last payment and lasts 200 instalments. If you repay 134 instalments on time, the remaining 66 are written off.
Where do I apply to the Fund?
At the bank that granted the loan. The bank checks the documents and forwards the application to BGK.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Repayment, overpayment and changes”