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COVID-19 EU PolicyWatch

Database of national-level responses

Eurofound's COVID-19 EU PolicyWatch collates information on the responses of government and social partners to the crisis, as well as gathering examples of company practices aimed at mitigating the social and economic impacts.

Factsheet for case PL-2020-12/834 – measures in Poland

Optional credit and mortgage freezes

Możliwość wystąpienia o "wakacje" kredytowe

Country Poland , applies nationwide
Time period Temporary, started on 16 March 2020
Type Company practices
Category Measures to prevent social hardship
– Preventing over-indebtedness
Author Jan Czarzasty (Warsaw School of Economics) and Eurofound
Case created 11 May 2020 (updated 13 May 2020)

Background information

As of May banks associated in the sectoral umbrella organisation, the Union of Polish Banks (Związek Banków POlskich, ZBP) offer their clients with open credit lines and mortgages a opportunity to file for a 'grace period' in paying installements for up to three months. This is the internal decision of the national banking association, which have nothing to do with the public policy measures under debate (as o 11 May).

Komunikat ZBP w sprawie działań pomocowych podejmowanych przez banki w związku z pandemią koronawirusa COVID-19.

Content of measure

Mortgage holders may apply to their respective creditors (banks) for a grace period of up to three months, during which period their monthly payments will be suspended (prolongated). As the measure serves only as a guidelines, each member bank may determine specific conditions of their own. In some banks the suspension/prolongation of payments applies only to capital, in others - extend it also to interest. Some banks stick to the suggested duration of three months, while others extend it to six months. The packages offered by banks are monitored by public authorities in order to prevent 'slipping in' of unfair clauses into the procedures.

Use of measure

According to the data released by ZBP, until the end of April some 800,000 applications have been submitted to the banks.

Target groups

Workers Businesses Citizens
Does not apply to workers Does not apply to businesses Applies to all citizens

Actors and funding

Actors Funding
Employers' organisations

Social partners

Social partners' role in designing the measure and form of involvement:

Trade unions Employers' organisations
Role No involvement No involvement
Form Not applicable Not applicable

Social partners' role in the implementation, monitoring and assessment phase:

  • No involvement
  • Main level of involvement: Company level



Views and reactions

ZBP is formally not employers' organisation, thus it is not a social partner.

Sectors and occupations

    • Economic area Sector (NACE level 2)
      K - Financial And Insurance Activities K64 Financial service activities, except insurance and pension funding

This case is not occupation-specific.


  • 16 March 2020: ZBP Communication regarding the assitance provided by banks in the context of the COVID 19 pandemics (


Eurofound (2020), Optional credit and mortgage freezes, case PL-2020-12/834 (measures in Poland), COVID-19 EU PolicyWatch, Dublin,

Disclaimer: This information has not been subject to the full Eurofound evaluation, editorial and publication process. All information is preliminary and subject to change.