In Polish: Zabezpieczenie kredytu
This is the word you will see in bank documents.
Definition
Loan security (zabezpieczenie kredytu) is a right that lets the bank recover its money if the borrower stops paying. For a mortgage the basis is the mortgage on the property, together with the assignment of rights under the property insurance policy. Until the mortgage is entered, the bank applies temporary security.
What it means for you
Security affects your cost: each type means a policy, a fee or a higher margin for some time. The bank describes it in the loan decision and the agreement, so compare it between offers as you compare the margin. With a down payment below 20%, the bank will require extra security for the part of the loan above 80% of the property value.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What secures a mortgage loan?
Above all the mortgage on the property and the assignment of rights under its insurance policy. Until the mortgage is entered, the bank applies temporary security, and with a low down payment, extra security for part of the loan.
Can another flat be used as security?
Some banks accept a mortgage on a second property, e.g. the parents' flat, as extra security or instead of part of the down payment. The owner of that property must agree, and the bank values it.
Is the cost of temporary security refunded?
Since 17 September 2022 the cost charged until the mortgage is entered is returned to you or credited towards repayment after the entry, on the terms of the agreement.
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”