An annex changes the terms of an existing agreement without moving the loan — lowering the margin, switching to a fixed rate, extending the term or suspending a payment. It is quicker and cheaper than refinancing, but the bank does not always agree.
An annex carries no cost of moving, but the room to negotiate is limited to one bank. If you want the lowest margin on the market, compare it against refinancing.
Banks usually charge a fee per their price list; it tends to be lower than the cost of full refinancing.
No — changing the terms is the bank’s decision. A competitive offer from another bank is often a good argument.
Lendean editorial team · an information service, not credit advice
Sources: NBP, GPW Benchmark (WIBOR), KNF, the Mortgage Credit Act. Educational material; not investment or legal advice.
Aktualizacja danych: 2026-11-02.
