In Polish: Prolongata
This is the word you will see in bank documents.
Definition
A payment extension (prolongata) is a postponement of the due date of one or more instalments or of the whole loan, agreed with the bank at the borrower’s request. For mortgages it is a form of restructuring: the bank changes the repayment dates by an annex to the agreement. The Polish Banking Law (Article 75c) requires the bank to allow restructuring if it is justified by its assessment of your financial situation.
What it means for you
An extension gives you time but does not cancel the debt. Interest on the principal usually keeps accruing, and postponed instalments are repaid later, in higher instalments or over a longer period. Apply before arrears appear, because late payments are reported to BIK and make the next loan harder.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Does the bank have to agree to an extension?
Not always. The bank should allow restructuring if it is justified by its assessment of your finances, but you agree the terms together. The bank must justify a refusal in writing.
Does an extension cost anything?
Interest usually keeps accruing, and the bank may charge an annex fee according to its tariff. Ask about the full cost before signing.
Does an extension make the loan longer?
It may. The bank spreads postponed instalments over the remaining term or extends the loan period. Check the new repayment schedule in the annex.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Details
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”