In Polish: Wykreślenie hipoteki
This is the word you will see in bank documents.
Definition
Deletion of a mortgage (wykreślenie hipoteki) is the removal of the mortgage entry from section IV of the land register on the basis of the creditor's consent and an application to the court. After the loan is repaid the mortgage expires, but the entry stays in the register until someone applies. The court fee is PLN 100 for each mortgage.
What it means for you
Without deletion, selling the flat, taking a new loan on it or giving it as a gift require extra documents. You can file the application yourself for PLN 100 or through a notary, who adds a fee with VAT. File it right after repayment, because courts take from a few weeks to a few months to process applications.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How much does deleting a mortgage cost?
The court fee is PLN 100 for each mortgage. The bank may charge for its consent according to its price list, and a notary, if you use one, adds a fee with VAT.
How long does deletion take?
The bank's consent usually arrives within a few days to a few weeks of repayment. The court processes the application in a few weeks to a few months, depending on its workload.
Can the deletion application be filed online?
As of October 2026 a private person files the KW-WPIS application on paper, in person or by post. A notary can send it electronically.
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”