No, no one is forced to sell. The two available options (depending on some nuances of how your loan was actually set up) are: - Your loan is converted to PLN,

No, no one is forced to sell. The two available options (depending on some nuances of how your loan was actually set up) are: - Your loan is converted to PLN, you get a refund of all the extra costs incurred by the currency exchange rates, and you continue to pay off your loan in PLN. - Your loan is considered invalid and is abolished, which means that you have to pay back the original sum to the bank, and the bank has to repay you all the payments you made over the years. If your loan was issued a long time ago you typically will come ahead (over years your payments add up). This means you keep the property and are debt-free. If it turns out you still have a significant amount to pay off you can refinance it.