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

Change of day of month of mortgage payment

If you want to change the day on which your mortgage loan instalment will be collected, download and fill out the application below. You may file your application at any Bank Millennium branch.

link opens in a new windowChange of day of month of mortgage paymentApplication

Issuance of loan service certificate

Download and fill out your application, for a certificate or opinion about the loan at Bank Millennium. Before filing the document at the branch, specify the reason for issuance of the certificate.

link opens in a new windowIssuance of loan service certificateApplication

Earlier partial loan repayment

If you want to overpay or make an earlier repayment of your loan, you may do it online (Loans > List of loans > Details > Earlier repayment), over the phone or at the branch.

link opens in a new windowEarlier partial loan repaymentApplication

Credit holidays

You may file your application for credit holidays on your own at Millenet (in the details of your loan), over the phone at TeleMillennium or at any branch of the Bank.

link opens in a new windowCredit holidaysApplication

Shortening the grace period

You may file your application for shortening the grace period online, upon logging into Millenet (Loans > Detailed information > More), over the phone and on your own - at any branch.

link opens in a new windowShortening the grace periodApplication

Change in the contractual conditions

The Bank reviews also Clients’ applications for a number of other changes in the loan agreement, for instance, grace period, change of loan collateral, increase in the loan amount, etc.

link opens in a new windowChange in the contractual conditionsApplication

Change of day of month of mortgage payment

If you want to change the day on which your mortgage loan instalment will be collected, download and fill out the application below. You may file your application at any Bank Millennium branch.

link opens in a new windowChange of day of month of mortgage paymentApplication

Issuance of loan service certificate

Download and fill out your application, for a certificate or opinion about the loan at Bank Millennium. Before filing the document at the branch, specify the reason for issuance of the certificate.

link opens in a new windowIssuance of loan service certificateApplication

Earlier partial loan repayment

If you want to overpay or make an earlier repayment of your loan, you may do it online (Loans > List of loans > Details > Earlier repayment), over the phone or at the branch.

link opens in a new windowEarlier partial loan repaymentApplication

Credit holidays

You may file your application for credit holidays on your own at Millenet (in the details of your loan), over the phone at TeleMillennium or at any branch of the Bank.

link opens in a new windowCredit holidaysApplication

Shortening the grace period

You may file your application for shortening the grace period online, upon logging into Millenet (Loans > Detailed information > More), over the phone and on your own - at any branch.

link opens in a new windowShortening the grace periodApplication

Change in the contractual conditions

The Bank reviews also Clients’ applications for a number of other changes in the loan agreement, for instance, grace period, change of loan collateral, increase in the loan amount, etc.

link opens in a new windowChange in the contractual conditionsApplication

For more information, visit your nearest branch or call: (+48) 22 598 40 60.

Current reference rates

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 LIBOR CHF 6M -0,7576%
PLN WIBOR 3M 2,0600%
USD LIBOR USD 6M 0,3693%
EUR EURIBOR 6M -0,4480%

Agreements concluded during 01.03.2004 - 31.12.2004

Loan currency Reference rate Amount
CHF LIBOR CHF 6M -0,7028%
PLN WIBOR 3M 2,5400%
USD LIBOR USD 6M 0,3388%
EUR EURIBOR 6M -0,5460%

Agreements concluded during 01.01.2005 - 30.06.2010

Loan currency Reference rate Amount
CHF LIBOR CHF 3M -0,7530%
PLN WIBOR 3M 2,5400%
USD LIBOR USD 3M 0,2091%
EUR EURIBOR 3M -0,5720%

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 2,48%

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 LIBOR CHF 3M -0,77%

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 2,48%
February, May, August, November WIBOR 3M 0,70%
March, June, September, December WIBOR 3M 1,82%

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 2,5400%
February, May, August, November WIBOR 3M 0,7400%
March, June, September, December WIBOR 3M 2,0600%

* 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
styczeń WIBOR 6M 2,8400%

** 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.