In Polish: Restrukturyzacja kredytu
This is the word you will see in bank documents.
Definition
Loan restructuring (restrukturyzacja kredytu) is a change in repayment terms agreed with the bank when the borrower has trouble paying instalments. Most often it means extending the loan term, a grace period on capital or a temporary suspension of repayments. Before terminating the agreement because of arrears, the bank must inform you that you can apply for restructuring.
What it means for you
Restructuring lowers the instalment, but pays nothing for you: it only changes the repayment pattern, usually at the cost of higher interest. It helps avoid arrears in BIK and termination of the agreement. The bank does not have to accept a specific proposal, so come forward early and ask for a written calculation of the new instalment and cost.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
Must the bank agree to restructure my loan?
It does not have to accept a specific proposal. Before terminating the agreement, however, it must demand payment, inform you of the right to apply for restructuring within at least 14 business days, and consider an application you file.
Is restructuring visible in BIK?
It may be recorded. Repaying on time after restructuring, however, looks much better in your credit history than arrears.
How much does restructuring cost?
It depends on the solution and the bank. Extending the term lowers the instalment but raises total interest, often by tens of thousands or over a hundred thousand złoty. Annex fees are set by the bank's price list.
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”