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2 clusters · 2 sources · 23 days · First seen about 1 month ago · Last updated 18 days ago

Swiss franc mortgage disputes in Poland

Overview

The Swiss franc (CHF) remains a significant factor in the Polish economy, particularly due to the prevalence of CHF-denominated mortgages. Following the 2008 financial crisis and subsequent shifts in reference rates, such as the transition from CHF-LIBOR to SARON, Polish borrowers have engaged in widespread legal actions against banks, resulting in various settlements.

In August 2026, new regulations were introduced to address these mortgage disputes. As of August 7, 2026, borrowers can suspend loan installments during legal proceedings simply by delivering a lawsuit or counterclaim to their bank, without needing a separate application for security. However, banks are permitted to refuse installment payments if the total amount already paid by the consumer is less than the original credit amount provided.

Entities

Polish złoty (PLN) · Poland · European Commission · Swiss National Bank · Swiss franc (CHF)

Timeline

18 days ago

[BUSINESS] 2 sources
Poland: New rules allow Swiss franc loan borrowers to suspend installments
New Polish regulations allow Swiss franc mortgage borrowers to suspend loan installments upon serving a lawsuit to the bank, provided they have already repaid a certain threshold of the credit amount.
about 1 month ago

[BUSINESS] 4 sources
Swiss franc valued at 4.61 Polish złoty per unit
The Swiss franc traded at about 4.61 złoty on 5‑6 August 2026, highlighting its role in Polish mortgage loans and the shift from CHF‑LIBOR to SARON under EU rules.

Sources

morningstar.be · razydzisiaj.pl