Disbursement Guide
Your dedicated guide to post-sale logistics. Choose your financing purpose below to see a precise, step-by-step sequence of the funds transfer.
Logistics: Secondary Market
Branch Visit and Agreement Signing
After the positive credit decision is issued, your leading expert will schedule a meeting for you at the bank branch to conclude the mortgage agreement.
- Reserve approximately 1 to 1.5 hours of your time.
- Bring a valid identity document.
- Ensure you have funds on your new bank account (if the bank charges a valuation fee or an origination commission).
Notarial Deed (Transfer of Ownership)
After signing the agreement with the bank, you meet the seller at the Notary's Office. This is the moment property rights are officially transferred.
- Usually, during this meeting, you transfer the remainder of your equity contribution to the seller's account (unless the preliminary agreement stated otherwise).
- You pay the notary fee and the statutory PCC tax (2%) on the property value, which the notary collects on-site.
- The notary electronically files an application to the Court to change the property owner. Sometimes they also simultaneously file the mortgage entry application (Step 03).
Legal Security: Mortgage Entry
For the bank to release the funds, it must have hard security in the form of a mortgage entry in Section IV of the Land and Mortgage Register of the purchased property.
If the Notary did not file this application during the deed signing (ask them to confirm), you must file it yourself via the Ministry of Justice portal (e-Court).
Clients often forget this! Within 14 days of filing the mortgage entry application, you have a statutory obligation to pay the mortgage establishment tax of 19 PLN. The fastest way to file the declaration and pay is online via the e-Tax Office (e-Urząd Skarbowy) portal.
Funds Disbursement Instruction
The agreement is signed, equity is paid, the notarial deed is finalized, and the mortgage is pending. Time for the final transfer!
You must submit a Disbursement Order to the bank (either in-branch or by uploading scans via internet banking). The attachments required for disbursement typically include:
- A copy of the Notarial Deed.
- Proof of full payment of your equity contribution (e.g., a PDF bank statement).
- A copy of the submitted and paid mortgage entry application.
- Proof of payment for insurance policies (life and property).
After successful document verification, the bank will release the funds and transfer them directly to the seller's account within 1 to 3 business days.
Logistics: Primary Market (Developer)
Signing the Mortgage Agreement
You conclude the agreement at the selected bank branch. In this case, the interim security is usually the assignment of rights from the developer agreement.
Equity Contribution and Tranche Disbursement
You are obliged to pay your equity contribution (according to the payment schedule from the developer) to the developer's Housing Escrow Account (MRP).
Once your contribution is paid, you submit a disbursement order for subsequent loan tranches to the bank. The bank will disburse them directly to the developer's escrow account, adequately matching the construction progress.
Notarial Deed (Investment Completion)
When the developer completes the construction and obtains the occupancy permit, they will invite you to sign the notarial deed transferring the ownership of your apartment/house.
You do not pay the 2% PCC tax here, because the transaction is subject to VAT included in the property price.
Legal Security: Mortgage Entry
Only after signing the final deed and establishing the land and mortgage register for the premises, the mortgage is entered into Section IV in favor of the bank. Often, the Notary files this application directly during the deed.
Within 14 days from the moment the mortgage entry application is filed (e.g., by the notary during the final deed), you have an absolute obligation to file the PCC-3 declaration and pay 19 PLN to the Tax Office. The simplest way is via the e-Tax Office portal.
Logistics: House Construction / Extension
Signing the Mortgage Agreement
You conclude the agreement at the selected bank branch. Due to the lack of a purchase transaction (the plot is likely already yours), we completely bypass the visit to the Notary.
Mortgage Entry on the Plot
To release the first tranche, the bank must have security. You must independently file an application to enter the bank into the mortgage of your plot. You file the application electronically through the Ministry of Justice portal (e-Court).
Remember: after sending the mortgage entry application to the Court, within 14 days submit the PCC-3 declaration and pay the 19 PLN tax to the Tax Office (fastest online via e-Tax Office).
Tranche Mechanics and Settlement (Inspections)
A construction loan is not paid out entirely at once. The funds flow in batches (tranches) to your current account.
- First tranche: Will be disbursed after the mortgage entry and documentation of your equity contribution engagement (e.g., an entry in the Construction Logbook informing about foundation completion).
- Settlement: After spending the money from the first tranche, you must settle it with the bank. This is usually done based on a site visit by a bank employee or a "photo-inspection" done by you in the bank's mobile app.
- Subsequent tranches: Only after the proper settlement of the previous construction works (according to the attached cost estimate), the bank will release the next batch of cash to your account.
Logistics: Refinancing (Mortgage Transfer)
No Notary (Minimized Formalities)
The refinancing process is exempt from many fees. Since you are already the owner of the property, we completely bypass the visit to the Notary's Office. We limit ourselves solely to signing the new agreement with the new bank at the branch.
New Mortgage Entry (e-Court)
The security for the new loan is entering your new bank into the Land and Mortgage Register. Due to procedures, you file the application to the Court electronically. For some time, two banks (old and new) will appear in the Register – this is a natural and safe transitional stage.
Even though this is a refinancing, you are establishing a new mortgage for the Court. Submitting the application requires you to pay a one-time PCC-3 fee (19 PLN) to the Tax Office within 14 days.
Flow of Funds and Clearing the Register
After signing the agreement, you submit a disbursement order. The cash does not go to your account.
- The new bank makes a technical, closed interbank transfer directly to the repayment account in your old bank, covering 100% of the debt (according to the provided balance certificate).
- The old bank, after booking the funds and fully settling the loan, issues a Mortgage Clearance Certificate (Consent to delete the mortgage).
- With this document, you file an application to the Court to remove the old bank from the Land and Mortgage Register. This officially concludes the transition process.