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About the loan

For more information about your mortgage loan:

our online banking system

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

The Bank shall update the information below on a monthly basis, by 9:30 a.m. of the first working day of the month.
In order to find out what the reference rate is, which underlies the interest rate on your loan, select the date when your loan agreement was concluded:

Agreements concluded up to 29.02.2004

Loan currency Reference rate Amount
CHF SAR3MC + correction (previously LIBOR CHF 6M)* -0,3798%
PLN WIBOR 3M 7,1100%
USD LIBOR USD 6M 3,6606%
EUR EURIBOR 6M 1,2030%

Agreements concluded during 01.03.2004 - 31.12.2004

Loan currency Reference rate Amount
CHF SAR3MC + correction (previously LIBOR CHF 6M)* -0,2172%
PLN WIBOR 3M 7,1100%
USD LIBOR USD 6M 3,6606%
EUR EURIBOR 6M 1,2030%

Agreements concluded during 01.01.2005 - 30.06.2010

Loan currency Reference rate Amount
CHF SAR3MC + correction (previously LIBOR CHF 3M)* -0,6240%
PLN WIBOR 3M 7,0500%
USD LIBOR USD 3M 2,2851%
EUR EURIBOR 3M -0,1950%

Loans granted in PLN - agreements concluded by Euro Bank S.A. (whose legal successor is Bank Millennium S.A.) during 11.08.2007 - 15.05.2015

Loan currency Reference rate Amount
PLN WIBOR 3M 7,00%

Loans granted in CHF - agreements concluded by Euro Bank S.A. (whose legal successor is Bank Millennium S.A.)

Loan currency Reference rate Amount
CHF SAR3MC + correction (previously LIBOR CHF 3M)* -0,64%

Loans granted in PLN - agreements concluded by Euro Bank S.A. (whose legal successor is Bank Millennium S.A.) during 16.05.2015 - 08.11.2019

Month of payment of first loan instalment Reference rate Amount
January, April, July, October WIBOR 3M 7,00%
February, May, August, November WIBOR 3M 7,00%
March, June, September, December WIBOR 3M 7,06%

Loans granted in PLN – agreements concluded from 01.07.2010 as well as annexes regarding change of loan currency to PLN*

Month of concluding the loan agreement Reference rate Amount
January, April, July, October WIBOR 3M 7,0500%
February, May, August, November WIBOR 3M 7,0100%
March, June, September, December WIBOR 3M 7,1100%

* From 1 January 2022 in place of to-date LIBOR CHF 3M and LIBOR CHF 6M reference rates SAR3MC (ISIN CH0477123902) shall be applied plus a fixed adjustment spread as stated in the Regulation, i.e.:

  • LIBOR CHF 3M – the replacement is SAR3MC plus a fixed spread adjustment of 0,0031%
  • LIBOR CHF 6M – the replacement is SAR3MC plus a fixed spread adjustment of 0,0741%

Legal basis: Commission Implementing Regulation (EU) 2021/1847 of 14 October 2021 on the designation of a statutory replacement for certain settings of CHF LIBOR

** 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. 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, in which its change takes place.

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 for 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.

Loans granted in PLN – agreements concluded from 01/01/2022***

Month of concluding the loan agreement Reference rate Amount
January, July WIBOR 6M 7,3500%
February, August WIBOR 6M 7,3000%
March, September WIBOR 6M 7,3100%
April WIBOR 6M 5,0500%
May WIBOR 6M 6,2500%
June WIBOR 6M 6,7900%

***The WIBOR 6M reference rate, on the basis of which the Bank calculates the interest rate on the loan for next 6 months of validity of the mortgage loan agreement changes in 6-month cycles on the same day of the month, on which the Agreement was signed. For purposes of calculation of the interest rate, valid for the next 6 months, the Bank takes the value of the WIBOR 6M reference rate from the last working day of the month preceding the month, in which its change takes place.

Note: In the month, in which the loan interest rate is changed due to the end of another 6-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 6M rate, valid for the previous 6-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 6M rate, valid in the next 6-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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