Gift tax in Poland

I want to gift my girlfriend roughly 100k PLN so that she can pay off her mortgage and save lots on interest payments.
She plans to repay me, but will there be any tax on this one off "gift" transfer?
If so what is the tax free limit?

First, if she plans to repay it, it isn't a gift, but a loan. So the taxation would be different, but I don't know what it will be in either case.

Thanks.
Obviously we want to minimise the tax payable - as the idea of the early repayment is to save on interest.
Does anybody have a link to a financial forum from Poland, or some good reading material?
Recommendations on a decent financial advisor would also be appreciated - we are based in Krakow but could of course deal with one remotely if they are suitable.

I see there is a relief of 4,902 PLN over 5 years from donors from category 3.

Is this relief per donor or receiver - ie if 10 people wanted to gift 4,900 each she could receive 49,000 tax free, without having to report it?

Per donor, but you'd almost certainly trigger an investigation as to where those 10 people got the money from, as it would look highly suspicious.

Pay the tax and get on with it.

Merged:

Tax on wedding gifts

Hello,

Are wedding gifts (money) taxable in Poland?
What does the law says in that matter?

Dziekuje,
Dawid

Theoretically yes but all depends on the amount and who gave it

Hello,
I bought my Polish girlfriend a small motorcycle as a gift, paid it from my foreign bank account.
Overall price is 21.000 Zlt including 23% VAT ( Zlt 4000 ). Now licensing it on her name seems to be difficult. Is there any other tax to consider as it is a gift to her, paid put of my fully Europe country income taxed money ?

Thanks a lot !
Philip

I am afraid the tax is due and it is your girlfriend who is expected to pay about 3000 PLN for your motorbike.

This site explains it well:
notariusz-piaseczno.pl/iheritance-and-donation-tax/

So, it she tells you she still needs 3000 zlotys to obtain your gift, believe her coz she is telling the truth, not trying to spoof you.