Full definition
Origination fee is the bank's one-off charge for granting credit. In Poland it is expressed either as a percentage of loan amount (typically 0–8%) or as a flat fee (e.g. 200 PLN). It may be paid upfront (reducing disbursement) or financed (added to principal and amortized, you then pay interest on the fee for the entire term). The fee is part of RRSO. Typical range: 2–8% for cash loans, 0–2.5% for mortgages. Note: after the CJEU ruling of 11 September 2019 (C-383/18, "Lexitor"), consumers have the right to a proportional refund of the origination fee on early repayment.
Concrete numeric example
A 30,000 PLN loan with a 5% fee = 1,500 PLN. Financed at 9% interest over 4 years, the effective cost is ~1,770 PLN (fee + interest on fee). Paying upfront saves 270 PLN.
