Mortgage loans

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 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 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 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 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 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 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 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 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 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 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 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 new windowChange in the contractual conditionsApplication

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

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 1,6500%
USD LIBOR USD 6M 1,5060%
EUR EURIBOR 6M -0,1340%

Agreements signed up to December 31st, 2004

Loan currency Reference rate Value
CHF LIBOR CHF 6M -0,6488%
PLN WIBOR 3M 1,7300%
USD LIBOR USD 6M 1,5060%
EUR EURIBOR 6M -0,2730%

Agreements signed after January 1st, 2005

Loan currency Reference rate Value
CHF LIBOR CHF 3M -0,7260%
PLN WIBOR 3M 1,7300%
USD LIBOR USD 3M 1,3339%
EUR EURIBOR 3M -0,3290%

Agreements signed after July 1st, 2010 in PLN *

Date of preparation agreement Reference rate Value
January, April, July, October WIBOR 3M 1,7300%
February, May, August, November WIBOR 3M 1,7300%
March, June, September, December WIBOR 3M 1,7300%

* 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

Property insurance

For comfort and security at home, check out our insurance offer.

Learn more

Life insurance

Get security and financial stability for you and your nearest and dearest even in the most difficult situations.

Learn more

Mortgage loans in Swiss francs

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.

Learn more

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).

Learn more

Any questions or doubts? Contact us

Contact directly your selected credit expert

Expert list

Do you want to talk now?
Call:

+48 22 598 40 60

Monday–Friday 8:00–20:00