In Polish: Księga wieczysta (KW)
This is the word you will see in bank documents.
Definition
The land register (księga wieczysta, KW) is a public register kept by the district court that shows who owns a property and what rights of others encumber it. It has four sections: property description, ownership, rights and claims, and mortgages. All registers are kept electronically and can be viewed free of charge at ekw.ms.gov.pl.
What it means for you
The bank will lend only if it can enter a mortgage in the land register, and entries in sections III and IV can block the transaction. Check the register yourself before paying a deposit, because some problems take weeks to resolve. You cannot claim you did not know about the entries, so read it in full.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How can I check a land register for free?
At ekw.ms.gov.pl, enter the register number. Viewing the content is free and needs no login. You pay only for an official copy. The site is in Polish.
Can I find a land register by address?
No. The system finds registers only by number. The seller will give it to you, and it is also in the purchase deed.
Can a flat without a land register be bought with a mortgage?
A cooperative ownership right to a flat without a register, yes, but banks usually require a register to be set up so they can enter the mortgage. The notary can file the application with the deed; the fee is PLN 100.
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 “Property and security”