In Polish: Ustawa o kredycie hipotecznym
This is the word you will see in bank documents.
Definition
The Mortgage Credit Act (ustawa o kredycie hipotecznym) is the Polish Act of 23 March 2017 on mortgage credit and the supervision of mortgage credit intermediaries and agents, in force since 22 July 2017. It implements EU Directive 2014/17/EU and governs agreements for loans secured by a mortgage or intended to buy a flat or house. It sets out the duties of banks, brokers and agents and the consumer's rights before signing and during repayment.
What it means for you
The Act gives you specific deadlines and rights you can use without a lawyer: time to compare offers, withdrawal from the agreement, cheaper early repayment and protection against sudden termination. It also requires brokers and agents to be entered in the KNF register. If a bank does not comply, you can file a complaint and then turn to the Financial Ombudsman (Rzecznik Finansowy).
Full entry in Polish, with a worked example and sources
Frequently asked questions
Since when has the Mortgage Credit Act applied?
Since 22 July 2017. The current consolidated text was published in the Journal of Laws of 2025, item 720.
Does the Mortgage Credit Act cover brokers?
Yes. A mortgage credit intermediary may operate only after obtaining a KNF licence and being entered in the register of credit intermediaries. An agent must also be entered in the register.
Where can I report a bank breaking the Mortgage Credit Act?
First file a complaint with the bank. If refused, you can turn to the Financial Ombudsman. Banks and intermediaries are supervised by the KNF.
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 “Loan agreement and borrower rights”