In Polish: Transza kredytu
This is the word you will see in bank documents.
Definition
A tranche (transza) is part of the loan amount paid out at a specific time, e.g. after a construction stage is completed or according to the developer's payment schedule. A loan for a flat under construction or for building a house is usually paid out in several tranches. You pay interest only on the part paid out.
What it means for you
Tranches lower your costs at the start, because you do not pay interest on money not yet paid out. Each further tranche, however, requires conditions to be met, e.g. a site inspection, and a delayed stage holds up the payout. Interest during construction is an extra cost, often paid alongside rent.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
What is a loan tranche?
Part of the loan amount paid out at a set time, e.g. after a construction stage. You pay interest only on the tranches paid out.
How many tranches does a house construction loan have?
Usually 3–5, depending on the bank and the schedule. The bank pays further tranches after the completion of a stage is confirmed.
When do full instalments start with a loan in tranches?
Usually after the last tranche is paid out, if the agreement provides for a grace period. Before that you pay interest on the part paid out.
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”