In Polish: Współkredytobiorca
This is the word you will see in bank documents.
Definition
A co-borrower is a person who signs the loan agreement with you and is liable for repaying the whole debt. Co-borrowers are jointly and severally liable (Article 366 of the Polish Civil Code), so the bank may demand the whole instalment from any of them. The bank decides whom it accepts as a co-borrower.
What it means for you
A co-borrower's income raises creditworthiness, but their instalments and BIK history also enter the assessment. The loan counts against the creditworthiness and BIK report of everyone in the agreement. You cannot leave the loan without the bank's consent, so agree on a plan for the future before signing.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Is a co-borrower liable for half the loan?
No. Co-borrowers are jointly and severally liable, so the bank may demand the whole debt from each of them, regardless of any family arrangements.
How can a co-borrower be removed from the loan?
By an annex with the bank releasing that person from the debt, after checking that the remaining borrower is creditworthy alone, or by refinancing the loan at another bank in one person's name.
Can a parent be a co-borrower without being a co-owner?
At many banks, yes. The parent is then liable for the whole debt but has no share in the flat. The rules depend on the bank.
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 “Creditworthiness and down payment”