Monthly payment, true cost (APR (RRSO)), fixed or variable rate risk and how much you can afford, with the rules that apply in Poland.
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For a mortgage of 500,000 PLN over 25 years at 5.9%, the monthly payment is about 3,191.01 PLN. Change the amount, term and rate in the calculator above to see your own payment.
The APR (RRSO) includes fees and required costs on top of interest. In our example with typical fees the APR (RRSO) is 6.24% while the nominal rate is 5.9%. Compare loans by the APR (RRSO) and by the total amount you repay.
Variable loans in Poland follow the 3 or 6 month WIBOR, about 3.9% in October 2026, which moves with the NBP reference rate of 3.75%. From 2027 the POLSTR index gradually replaces WIBOR in new contracts. If rates rose by 2 points, the payment in our example would go up to 3,826.02 PLN. A fixed rate protects you from that risk, a variable rate can be cheaper when rates fall.
Under KNF Recommendation S banks keep total loan payments below about 40% of net income for average earners and 50% for higher earners, and lend up to 80% of the property value, or 90% with extra security. Enter your net income in the calculator to check your ratio.
In Poland the total cost of a loan is shown as the RRSO (rzeczywista roczna stopa oprocentowania). Mortgages are either variable, based on WIBOR, or with a rate fixed for 5 to 10 years, which most borrowers now choose. From 2027 the new POLSTR index will gradually replace WIBOR. Consumer loan costs are capped by law.
The nominal interest rate only covers interest. The APR (RRSO) adds the fees and costs you must pay to get the loan, such as processing fees, account fees and required insurance, and turns everything into one yearly percentage. Two loans with the same interest rate can have very different APR (RRSO). When you compare offers for the same amount and term, the lower APR (RRSO) is usually the cheaper loan.
A fixed rate keeps your payment the same for an agreed period, so you know exactly what you pay. A variable rate is a reference rate (for example Euribor) plus the bank's margin. It is often lower at the start, but your payment rises when the reference rate rises. Use the stress test above to see your payment if rates go up by 1, 2 or 3 points, and only choose variable if you could still pay that.
With equal payments (annuity) the monthly amount stays the same, and at the start most of it is interest. With equal principal the first payments are higher but fall every month, and you pay less interest in total. Switch the repayment option in the calculator to see the difference.
Look beyond the monthly payment. Add up interest, upfront fees, monthly account and insurance costs, valuation and notary costs. A longer term lowers the payment but increases the total interest a lot. The line "cost per 100 borrowed" shows how much you pay for every 100 you borrow.
Paying off part of the loan early saves interest. Many countries limit what banks may charge for it, and variable-rate loans can often be repaid without a fee. Read the early repayment clause before you sign.
Typical mortgage at today's average rate, equal monthly payments, without fees. Interest rate: 5.9%.
| Amount | Term (years) | Monthly payment | Total interest |
|---|---|---|---|
| 300,000 PLN | 25 | 1,914.61 PLN | 274,382 PLN |
| 500,000 PLN | 25 | 3,191.01 PLN | 457,304 PLN |
| 700,000 PLN | 30 | 4,151.96 PLN | 794,704 PLN |
Yes. Consumer loans can be repaid early with a fee of at most 1% (0.5% in the last year). Variable-rate mortgages are free to repay after 3 years. Fixed-rate mortgages can carry a fee for the lost interest during the fixed period.
In October 2026 Polish mortgages cost about 5.99% on average, with 5 year fixed offers around 5.5% to 6.5%. Cash loans usually have an RRSO of 10% to 15%, because of fees and insurance.
No. It is an educational calculator. Your bank sets the final rate and costs. Use the results to understand and compare offers, and ask for the official pre-contract information before signing.
This page is educational. Rates are examples based on central bank statistics and published offers in October 2026, and your bank will price your loan individually. Always compare the official offer document (ESIS or standard information form) before you sign.