Poland mortgage calculator 2026
A PLN 700,000 mortgage in Poland over 30 years at 5.97% works out to a monthly payment of PLN 4,183.36, with PLN 806,011.91 paid in total interest. Enter the loan amount, interest rate and term to see the monthly payment under the Polish mortgage market.
Not sure how much the bank will lend you? Mortgage affordability – Poland
Monthly payment: PLN 2,988.12
Total paid: PLN 1,075,718.85 · Total interest: PLN 575,718.85
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | PLN 29,682.85 | PLN 6,174.59 | PLN 493,825.41 |
| 2 | PLN 29,303.98 | PLN 6,553.46 | PLN 487,271.95 |
| 3 | PLN 28,901.86 | PLN 6,955.58 | PLN 480,316.37 |
| 4 | PLN 28,475.05 | PLN 7,382.39 | PLN 472,933.98 |
| 5 | PLN 28,022.08 | PLN 7,835.36 | PLN 465,098.62 |
| 6 | PLN 27,541.30 | PLN 8,316.14 | PLN 456,782.48 |
| 7 | PLN 27,030.99 | PLN 8,826.45 | PLN 447,956.03 |
| 8 | PLN 26,489.41 | PLN 9,368.03 | PLN 438,588.00 |
| 9 | PLN 25,914.56 | PLN 9,942.88 | PLN 428,645.12 |
| 10 | PLN 25,304.46 | PLN 10,552.98 | PLN 418,092.14 |
| … | |||
| 30 | PLN 1,132.86 | PLN 34,720.23 | PLN 0.00 |
Bank rate comparison — Market average: 5.97 % (2026-Q1)
| Bank | Interest rate | Fixed period | Monthly payment |
|---|---|---|---|
| Pekao | 5.57 % | 5 years | PLN 2,860.94 |
| VeloBank | 5.85 % | 5 years | PLN 2,949.70 |
| Erste Bank | 6.15 % | 5 years | PLN 3,046.14 |
| PKO BP | 6.31 % | 5 years | PLN 3,098.12 |
This calculation is indicative only. Bank rates are a snapshot as of the date shown. It does not replace a binding bank offer.
How a Polish mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the fixed-rate period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
The calculator also compares current offers from Polish banks.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| PLN 300,000.00 | PLN 1,792.87 |
| PLN 500,000.00 | PLN 2,988.12 |
| PLN 700,000.00 | PLN 4,183.36 |
| PLN 900,000.00 | PLN 5,378.61 |
| PLN 1,200,000.00 | PLN 7,171.48 |
| PLN 1,800,000.00 | PLN 10,757.22 |
Frequently asked questions
What is the monthly payment on a PLN 500,000 mortgage in Poland over 30 years?
At a rate of 5.97% over 30 years, the monthly payment is PLN 2,988.12.
What is the monthly payment on a PLN 900,000 mortgage in Poland over 30 years?
At a rate of 5.97% over 30 years, the monthly payment is PLN 5,378.61.
What is the monthly payment on a PLN 1,200,000 mortgage in Poland over 30 years?
At a rate of 5.97% over 30 years, the monthly payment is PLN 7,171.48.
How much total interest do I pay on a PLN 700,000 mortgage in Poland?
On a PLN 700,000 mortgage over 30 years at 5.97%, you'll pay PLN 806,011.91 in total interest.
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why do bank rates (RRSO) differ from the calculator?
The rates are a snapshot as of the date shown. The actual offer depends on creditworthiness.
What does a periodically-fixed rate mean?
A rate typically fixed for 5 years. After that, the bank offers a new rate.
How much can I borrow on my income?
That's answered by the separate creditworthiness calculator, applying the KNF Rekomendacja S recommendations (DSTI, LTV).
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Last updated: 18 July 2026