Mortgage in Poland

Mortgage in Poland is a limited property right on immovable property (real estate) and on selected rights (proprietary cooperative rights to premises, mortgage secured receivable), securing debts resulting from a determined legal relationship where the creditor can claim property, with a priority over personal creditors of the real estate owner. This means that the disposal of real estate by the debtor does not violate the rights of the mortgagee - he may claim property from anyone who will become the owner of the property.

The mortgagee in Poland is a mortgage creditor, while the owner of the mortgaged property is referred to as the mortgage debtor.

A mortgage secures one or more claims arising or likely to arise from a particular legal relationship. Exceptionally, it can secure receivables resulting from more than one relationship when it serves to secure one venture's financing by several creditors.