# Swiss franc mortgage disputes in Poland

> Live situation record from CLSTR: https://clstr.news/situations/swiss-franc-mortgage-disputes-in-poland
> Updated: 2026-08-28T08:22:00.000Z. Sources: 2. Developments: 2.

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.

## Timeline

### 2026-08-28: 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.

2 sources. https://clstr.news/cluster/poland-new-rules-allow-swiss-franc-loan-borrowers-to-suspend-installments

### 2026-08-05: 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.

4 sources. https://clstr.news/cluster/swiss-franc-valued-at-461-polish-zoty-per-unit

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Cite as: Swiss franc mortgage disputes in Poland. CLSTR, https://clstr.news/situations/swiss-franc-mortgage-disputes-in-poland