Early repayment of a loan (wcześniejsza spłata kredytu)

Repaying the whole loan before the date in the agreement. You can do this at any time, and the bank must reduce the total cost of the loan by the interest and costs attributable to the remaining period.

The law limits fees for early repayment. With a variable rate, the bank may charge compensation only in the first years of the agreement and up to a statutory limit; with a fixed rate the rules are different — you will find them in the agreement and in the ESIS form.