In Polish: Hipoteka
This is the word you will see in bank documents.
Definition
A mortgage (hipoteka) is a right that lets the bank satisfy its claim from the property if the loan is not repaid, regardless of who owns the property at the time. It is entered in section IV of the land register (księga wieczysta). For a mortgage loan it is the bank's main security.
What it means for you
Until the mortgage is entered, the bank may charge a higher margin or bridging insurance, so a quick entry means a lower cost for you at the start. The entry itself costs PLN 200 in court fees and PLN 19 PCC. The mortgage encumbers the flat, not you personally, so on a sale the loan is repaid from the price. After repayment you must apply for deletion, because the entry will not disappear by itself.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is a mortgage on a flat?
It is an entry in section IV of the land register that gives the bank the right to satisfy its claim from the flat if the loan is not repaid. It applies even if the flat already has a different owner.
How much does entering a mortgage cost?
The court fee for the entry is PLN 200, and PCC on creating it PLN 19. Add part of the notary fee for the deed in which the mortgage is created.
Does the mortgage disappear after the loan is repaid?
Legally it expires with the debt, but the entry stays in the register. You must apply to the court for deletion with the bank's consent. The fee is PLN 100.
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”