In Polish: ESIS (formularz informacyjny)
This is the word you will see in bank documents.
Definition
ESIS (formularz informacyjny) is the document in which a bank, broker or agent presents a personalised mortgage offer on the uniform template annexed to the Polish Mortgage Credit Act. You receive it before submitting the application at the latest, and its information is valid for at least 14 days. The name comes from EU Directive 2014/17/EU.
What it means for you
The form lets you compare offers from several banks point by point, because the same information is always in the same place. If you apply within the validity period, the terms in the form bind the bank. Compare the APR and the total cost, not just the instalment. In Poland the form is issued in Polish, so ask your expert to go through it with you.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is ESIS for a mortgage?
The information sheet required by the Mortgage Credit Act: a personalised loan offer on a uniform template, given to you before you apply.
How long is an ESIS valid?
At least 14 days. If you apply within this time, the terms in the form bind the bank. The bank may give a longer period.
Must a mortgage broker give me an ESIS?
Yes. The obligation applies to the lender, the mortgage broker and the agent.
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 “Application, decision and documents”