In Polish: Opłaty sądowe przy kredycie
This is the word you will see in bank documents.
Definition
Court fees for a mortgage are fixed amounts the court charges for land register (księga wieczysta) entries related to the purchase and the loan. Most often PLN 200 for entering ownership and PLN 200 for entering the mortgage. The amounts are set by the Polish Act on court costs in civil cases.
What it means for you
When buying a flat with a mortgage you usually pay PLN 400 in court fees, and PLN 500 for a new land register from a developer. The notary collects them on the day of the deed. After repaying the loan you will still pay PLN 100 to delete the mortgage.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How much does it cost to enter a mortgage in the land register?
The court fee is PLN 200. On top of that there is PLN 19 PCC for creating the mortgage and the notary fee for creating it.
How much does it cost to delete the mortgage after repaying the loan?
PLN 100 court fee for each mortgage. The bank may charge a fee for issuing its consent according to its price list, and if the notary files the application, the notary adds a fee with VAT.
Who pays the court fees when buying a flat?
Usually the buyer, because the entries concern their ownership and their bank's mortgage. The fee for deleting the seller's mortgage is usually paid by the seller.
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 “Loan costs and insurance”