kwota wstrzymana / kwota kredytu, której wypłatę bank wstrzymał, aż do czasu spełnienia określonych warunków przez kredytobiorcę
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Zgaduję, że chodzi o mortgage retention

Mortgage retention is when a lender refuses to release the entire mortgage funds to a customer straight away. They retain some of the capital until certain works have been carried out.

A lender will only usually retain part of a mortgage because the surveyor has identified work that needs to be carried out before the property is brought up to the stated value.
https://www.onlinemortgageadvisor.co.uk/mortgage-application...
https://www.gocompare.com/mortgages/retentions/
https://exchangetrain.co.uk/blog/what-is-a-mortgage-retentio...

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Note added at 23 hrs (2021-05-05 19:27:33 GMT)
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Bank nie zatrzymuje żadnej kwoty; bank wstrzymuje warunkowo wypłatę określonej kwoty aż do czasu spełnienia przez stronę określonych warunków/wymagań.

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Note added at 1 day 1 hr (2021-05-05 20:50:58 GMT)
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Retention
An amount held back from the initial loan by a lender until certain repairs or improvements have been completed or, in some cases, to cover the cost of road building on a new housing estate.
https://www.if.com/glossary/default.aspx
https://www.astleys.net/glossary/
Retention
Amount held back by a lender until certain specified works have been completed.
https://help.smartnewhomes.com/hc/en-gb/articles/36000651965...


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Note added at 1 day 1 hr (2021-05-05 21:06:36 GMT)
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Mortgage Conditions
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If completion occurs in relation to an advance, we will charge that advance to the mortgage account at that completion. If the mortgageoffer says that we will pay the advance by instalments or that we will hold back any money, we will only pay the instalments or the amount held back if you comply with the mortgage documents and we will charge each instalment or amount held back to the mortgage account when we pay the relevant amount to you.
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If a reinspection is required, the valuer’s reinspection fee will be charged to the mortgage account, the amount of held back money will be applied to paying amounts which are then due in respect of the amount owing and only the remainder, if any, will be released to you.
https://www.fleetmortgages.co.uk/wp-content/uploads/2020/08/...