In Polish: Poręczenie kredytu
This is the word you will see in bank documents.
Definition
A guarantee (poręczenie) is an agreement in which the guarantor undertakes to the bank to repay the debt if the borrower does not (Article 876 of the Polish Civil Code). The guarantor’s statement must be made in writing, otherwise it is invalid. Unless the agreement says otherwise, the guarantor is liable jointly and severally, so the bank can demand payment from them when an instalment that is due is not paid.
What it means for you
If you want to help someone with a loan, a guarantee is a real risk: you are liable for the debt to the same extent as the borrower, including interest. It can also make your own loan harder, because banks ask about guaranteed liabilities in the application. For mortgages banks rarely require a guarantee, because the mortgage on the property is the security. When income is too low, they more often suggest a co-borrower.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Does a guarantor need creditworthiness?
The bank usually checks the guarantor’s income and BIK history, because a guarantee only makes sense if the guarantor is able to pay.
Can I withdraw a guarantee?
Not on your own. The bank has to agree, and it usually expects other security or repayment of part of the debt.
Is the guarantor liable after the borrower’s death?
Yes. If the debtor dies, the guarantor cannot rely on the heirs’ limited liability (Article 883 § 3 of the Civil Code).
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Details
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”