In Polish: Pożyczka hipoteczna
This is the word you will see in bank documents.
Definition
A mortgage-secured loan (pożyczka hipoteczna) is a loan for any purpose, including consumer spending, secured by a mortgage on a flat, house or plot. The bank does not require you to account for how you spend it. The agreement is covered by the Polish Mortgage Credit Act, so you get an ESIS form and 14 days to withdraw.
What it means for you
With a property as collateral you get more, and more cheaply, than with a cash loan, but the margin is higher than on a loan to buy a home. The bank usually lends less relative to the property value, and any existing loan on the property counts. If you stop paying, the bank can enforce against the flat.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
What can a mortgage-secured loan be used for?
Any purpose, e.g. repaying other debts, a car or medical treatment. The bank does not require invoices or an account of spending.
Is it cheaper than a cash loan?
Over the same term usually yes, because the rate is lower. Spread over a longer term, though, it may cost more interest than a cash loan repaid quickly.
Can I get one on a flat that already has a mortgage?
Yes, if the property value allows. The bank counts the total debt, i.e. the current loan balance plus the new loan, relative to the flat's value.
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 types and programmes”