{"id":395,"date":"2026-01-30T12:19:31","date_gmt":"2026-01-30T09:19:31","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=395"},"modified":"2026-01-30T12:19:32","modified_gmt":"2026-01-30T09:19:32","slug":"%f0%9f%94%a5-refinansirovanie-ipoteki-v-polshe-kak-snizit-platyozh-ili-sokratit-srok-kredita-na-gody","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/%f0%9f%94%a5-refinansirovanie-ipoteki-v-polshe-kak-snizit-platyozh-ili-sokratit-srok-kredita-na-gody\/","title":{"rendered":"\ud83d\udd25 Mortgage refinancing in Poland: how to lower your payment or shorten your loan term by years"},"content":{"rendered":"<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Mortgage loan in Poland<\/a><\/strong> - this is a commitment for 20-30 years, but <strong>this does not mean that the conditions remain unchanged<\/strong>. Interest rates, bank offers, and the borrower&#039;s financial situation change\u2014and this is where a powerful savings tool comes in: <strong>loan refinancing<\/strong>.<\/p>\n\n\n\n<p>Let&#039;s go through it step by step:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is refinancing?,<\/li>\n\n\n\n<li>Why is it being done more and more often in Poland?,<\/li>\n\n\n\n<li>what does the process look like,<\/li>\n\n\n\n<li>\u0438 <strong>a real example of saving on numbers<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udccc What is loan refinancing?<\/h2>\n\n\n\n<p><strong>Mortgage refinancing<\/strong> - this is the registration of a new mortgage loan (usually in another bank) to fully repay the current loan, but <strong>on more favorable terms<\/strong>.<\/p>\n\n\n\n<p>To put it simply:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>You are exchanging your old loan for a new one - with a lower interest rate, a smaller payment, or a shorter term.<\/p>\n<\/blockquote>\n\n\n\n<p>In Poland they are refinancing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>loans for an apartment or house,<\/li>\n\n\n\n<li>loans for primary and secondary housing,<\/li>\n\n\n\n<li>loans for both Polish citizens and foreigners with a residence permit.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udca1 Why is refinancing beneficial?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 In most cases <strong>no early repayment fee<\/strong><\/h3>\n\n\n\n<p>This is an important point.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Most mortgage agreements in Poland do not include a fee for early repayment.<\/strong>, or only the first ones are valid <strong>36 months<\/strong> from the moment of signing the contract.<\/p>\n\n\n\n<p>If the loan is more than 3 years old -<br><strong>Refinancing can almost always be done without penalties<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 Lower interest rates = real savings<\/h3>\n\n\n\n<p>Even the difference is <strong>1% at the rate<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduces the monthly rat\u0119,<\/li>\n\n\n\n<li>or allows you to reduce the loan term by several years,<\/li>\n\n\n\n<li>provides savings of tens, and sometimes hundreds of thousands of zlotys.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3\ufe0f\u20e3 Flexibility: change the payment or term<\/h3>\n\n\n\n<p>When refinancing, you can choose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 a smaller monthly rat\u0119 (more money &quot;here and now&quot;),<\/li>\n\n\n\n<li>\u2705 or leave the payment approximately the same, but <strong>significantly shorten the loan term<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4\ufe0f\u20e3 Refinancing is possible <strong>as many times as you like<\/strong><\/h3>\n\n\n\n<p>\u2757 In Poland <strong>no restrictions<\/strong> by the number of refinancings.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you can do it at least once a year,<\/li>\n\n\n\n<li>at least every month,<\/li>\n\n\n\n<li>as soon as it becomes financially profitable.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1 <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">A smart person with a mortgage refinances the loan.<\/a> as soon as the market allows it.<\/strong><br>A mortgage is not something you just pick up and forget about, but an asset that needs to be managed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udc65 Who is refinancing suitable for?<\/h2>\n\n\n\n<p>Refinancing is usually possible if:<\/p>\n\n\n\n<p>\u2705 have a stable income<br>\u2705 the loan is repaid over at least several months<br>\u2705 no serious delays<br>\u2705 The property has not lost value<br>\u2705 Credit history in BIK is normal<\/p>\n\n\n\n<p>\ud83d\udccc Foreigners with a byty card also successfully refinance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udee0\ufe0f The refinancing process \u2013 step by step<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Step 1. Analyze your current loan<\/h3>\n\n\n\n<p>Let&#039;s look:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>current rate,<\/li>\n\n\n\n<li>margin,<\/li>\n\n\n\n<li>the remaining debt,<\/li>\n\n\n\n<li>possible fees (if the loan is less than 3 years old).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Step 2. Selecting a new bank<\/h3>\n\n\n\n<p>Compared:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interest rates,<\/li>\n\n\n\n<li>rate type (fixed\/variable),<\/li>\n\n\n\n<li>RRSO,<\/li>\n\n\n\n<li>additional expenses.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc It&#039;s important to count here <strong>real benefit<\/strong>, and not \u00abbeautiful advertising\u00bb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Step 3. Preparing documents<\/h3>\n\n\n\n<p>\ud83d\udc49 <strong>The procedure is almost the same as when applying for a new mortgage.<\/strong>, plus documents on the current loan.<\/p>\n\n\n\n<p>Usually needed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income documents,<\/li>\n\n\n\n<li>real estate data,<\/li>\n\n\n\n<li>ksi\u0119ga wieczysta,<\/li>\n\n\n\n<li><strong>documents from the current bank<\/strong>:\n<ul class=\"wp-block-list\">\n<li>certificate of loan balance,<\/li>\n\n\n\n<li>account number for repayment,<\/li>\n\n\n\n<li>a copy of the loan agreement.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step 4. Bank decision<\/h3>\n\n\n\n<p>Bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>checks income,<\/li>\n\n\n\n<li>evaluates real estate,<\/li>\n\n\n\n<li>makes a credit decision.<\/li>\n<\/ul>\n\n\n\n<p>\u23f1\ufe0f Usually from 2 to 6 weeks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Step 5. Closing the old loan<\/h3>\n\n\n\n<p>New bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>transfers money to the old bank,<\/li>\n\n\n\n<li>closes the old mortgage,<\/li>\n\n\n\n<li>registers a new one.<\/li>\n<\/ul>\n\n\n\n<p>\ud83c\udf89 From now on, you pay according to the new terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcca Refinancing example: real numbers<\/h2>\n\n\n\n<p><strong>Loan details:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sum: <strong>500,000 z\u0142<\/strong><\/li>\n\n\n\n<li>term: <strong>30 years old<\/strong><\/li>\n\n\n\n<li>old rate: <strong>7,5%<\/strong><\/li>\n\n\n\n<li>new rate: <strong>6,5%<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd3b Option 1: Reduce your monthly payment<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>rata at 7.5%: <strong>\u2248 3,490 z\u0142<\/strong><\/li>\n\n\n\n<li>rata at 6.5%: <strong>\u2248 3,160 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u2705 <strong>saving ~330 z\u0142 per month<\/strong><br>\u2705 <strong>~4,000 z\u0142 per year<\/strong><br>\u2705 <strong>~120,000 PLN for the entire loan term<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u23f1\ufe0f Option 2: Reduce the loan term<\/h3>\n\n\n\n<p>If you leave the payment at approximately <strong>3,490 z\u0142<\/strong>, but reduce the rate to 6.5%:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the loan term will be reduced by approximately <strong>4\u20135 years<\/strong><\/li>\n\n\n\n<li>you will pay off your mortgage earlier<\/li>\n\n\n\n<li>and pay the bank significantly less interest<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc This is a strategy often chosen by investors and financially savvy clients.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u26a0\ufe0f What is important to remember<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refinancing is about calculations, not emotions.<\/li>\n\n\n\n<li>always taken into account:\n<ul class=\"wp-block-list\">\n<li>insurance,<\/li>\n\n\n\n<li>real estate appraisal,<\/li>\n\n\n\n<li>notary fees<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 But in most cases the benefit <strong>significantly exceeds costs<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfc1 Conclusion<\/h2>\n\n\n\n<p>\u2714 Mortgage refinancing is a normal and legal tool for loan optimization<br>\u2714 It can be done <strong>unlimited number of times<\/strong>, as soon as it becomes profitable<br>\u2714 Smart property owner <strong>manages his mortgage<\/strong>, and not just pay it over the years<\/p>\n\n\n\n<p>\ud83d\udd39 <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">We provide mortgage refinancing support in Poland.<\/a><\/strong> \u2014 from analyzing the current loan to choosing a bank and final closure of the old mortgage.<br>\ud83d\udd39 We help both Polish citizens and foreigners who already have a mortgage.<br>\ud83d\udd39 Our goal is not to &quot;sell the bank,&quot; but to find a solution that is truly beneficial for you.<\/p>\n\n\n\n<p>If you are paying off a mortgage and want to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reduce the monthly payment,<\/li>\n\n\n\n<li>reduce the loan term,<\/li>\n\n\n\n<li>or just check if you can pay less now -<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\"><strong>Contact us for a consultation<\/strong>.<\/a> Often, one calculation shows that refinancing is worth doing. <strong>right now<\/strong>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u2014 \u044d\u0442\u043e \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e \u043d\u0430 20\u201330 \u043b\u0435\u0442, \u043d\u043e \u044d\u0442\u043e \u043d\u0435 \u0437\u043d\u0430\u0447\u0438\u0442, \u0447\u0442\u043e \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u043e\u0441\u0442\u0430\u044e\u0442\u0441\u044f \u043d\u0435\u0438\u0437\u043c\u0435\u043d\u043d\u044b\u043c\u0438. \u041f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438,<\/p>","protected":false},"author":1,"featured_media":396,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=395"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/395\/revisions"}],"predecessor-version":[{"id":397,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/395\/revisions\/397"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/396"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}