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About the loan

For more information about your mortgage loan:



go to Millenet

our online banking system

call (+48) 22 598 40 60

from Monday till Friday between 8:00 and 20:00

Documents for changes in the loan

The process of transferring mortgage loans

In Bank Millennium Group the Millennium Bank Hipoteczny S.A. was established, the main purpose of which is to obtain long-term funding by means of issuing covered bonds. Underlying the issue are receivables under mortgage-backed loans gradually transferred from Bank Millennium.

Please read the information on transferring mortgage loans to Millennium Bank Hipoteczny. This information is valid for Customers who received from Bank Millennium notice of the intention to transfer their loan to Millennium Bank Hipoteczny.

Current reference rates

To find out current reference rate, a constituent of your loan interest, select the date of your agreement:

Agreements signed up to February 29th, 2004

Loan currency Reference rate Value
CHF LIBOR CHF 6M -0,7576%
PLN WIBOR 3M 0,2800%
USD LIBOR USD 6M 0,3693%
EUR EURIBOR 6M -0,4480%

Agreements signed up to December 31st, 2004

Loan currency Reference rate Value
CHF LIBOR CHF 6M -0,7096%
PLN WIBOR 3M 0,2100%
USD LIBOR USD 6M 0,1595%
EUR EURIBOR 6M -0,5150%

Agreements signed after January 1st, 2005

Loan currency Reference rate Value
CHF LIBOR CHF 3M -0,7536%
PLN WIBOR 3M 0,2100%
USD LIBOR USD 3M 0,1458%
EUR EURIBOR 3M -0,5420%

PLN mortgages granted by eurobank - agreements concluded between August 2007 and 15 May 2015

Loan currency Reference rate Value
PLN WIBOR 3M 0,21%

CHF mortgages granted by eurobank

Loan currency Reference rate Value
CHF LIBOR CHF 3M -0,75%

PLN mortgages granted by eurobank – agreements concluded between 16 May 2015 and 8 November 2019

Month of first installment payment Reference rate Value
January, April, July, October WIBOR 3M 0,21%
February, May, August, November WIBOR 3M 0,21%
March, June, September, December WIBOR 3M 0,21%

Agreements signed after July 1st, 2010 in PLN *

Date of preparation agreement Reference rate Value
January, April, July, October WIBOR 3M 0,2100%
February, May, August, November WIBOR 3M 0,2100%
March, June, September, December WIBOR 3M 0,2100%

* The WIBOR 3M reference rate, on the basis of which the Bank calculates the interest rate on the loan for next 3 months of validity of the mortgage loan agreement changes in 3-month cycles on the same day of the month, on which the Agreement was signed. In which it is changed for purposes of calculation of the interest rate, valid for the next 3 months the Bank takes the value of the WIBOR 3M reference rate from the last working day of the month preceding the month.

Note: In the month, in which the loan interest rate is changed due to the end of another 3-month cycle, the interest rate is calculated as follows:

  • from the 1st day of the month until the day of change of the interest rate an interest rate applies, which is based on the WIBOR 3M rate, valid in the previous 3-month cycle;
  • from the next day of the month after the day of change of interest rate till the last day of the month an interest rate shall apply, which is based on the new WIBOR 3M rate, valid in the next 3-month cycle.

Mortgage loan insurance

Mortgage loans in CHF

Mortgage loans in CHF

Do you have a loan in francs? See how we can help you.

Bank Millennium prepared a number of solutions available for the Swiss franc borrowers.

Borrowers’ Support Fund

Borrowers’ Support Fund

Do you have a loan and are you in a difficult financial situation?

The support is granted on the grounds of the Act of 9th of October 2015 on support of mortgage borrowers in difficult financial situation (Journal of Laws Dz.U. of 2015 item 1925).

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    Monday-Friday 8:00-20:00