Credit decision (decyzja kredytowa)
The bank's response to a loan application, issued after assessing your creditworthiness, BIK history and the property. A positive decision means the bank is ready to sign an agreement with you on the stated terms.
The decision has an expiry date and may contain conditions to be met before payout, e.g. providing documents or paying in the down payment. Until you sign the agreement, you don't have the loan yet.