In Polish: Saldo kredytu
This is the word you will see in bank documents.
Definition
The loan balance (saldo kredytu) is the amount of capital still to be repaid on a given day. The bank charges interest for the next period on the balance. For overpayment, refinancing and selling the flat, it is the balance that counts, not the original loan amount.
What it means for you
The balance tells you how much you must pay to close the loan, e.g. from the sale price of the flat. With equal instalments it falls slowly, so after 10 years you may still owe over 80% of the amount. When you repay in full, interest accrued up to the payment date is added to the balance.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is the loan balance?
The capital still to be repaid on a given day. The bank charges interest on it, and it is what you repay when selling the flat or refinancing.
How can I check my mortgage balance?
In online banking or the repayment schedule. For a sale or refinancing, ask the bank for a certificate of the debt on a specific date.
How much of the loan will remain after 10 years?
For PLN 500,000 over 30 years at 6% with equal instalments, about PLN 418,000, i.e. you will have repaid just under 17% of the capital. With decreasing instalments PLN 333,333 will remain.
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 “Repayment, overpayment and changes”