How is a Polish mortgage interest rate set?

Most Polish mortgages are variable: the rate equals a reference index (WIBOR 3M or 6M, or increasingly the WIRON index) plus a fixed bank margin of around 1.5 to 2.5 percentage points. Fixed-rate periods of 5 years are also available. Total rates have recently sat around 5.5 to 7.5%.

What deposit do I need for a mortgage in Poland?

The KNF (Polish financial regulator) recommends a maximum loan-to-value of 80%, meaning a 20% deposit, though banks may accept 10% if you take low-deposit insurance on the extra 10%. This tool shows your LTV so you can check you meet the requirement.

What is the maximum mortgage term in Poland?

Polish banks typically lend for up to 35 years, though the KNF advises assessing affordability as if the term were no longer than 25 years. A longer term lowers the monthly instalment but increases the total interest paid substantially.

What is the difference between equal and decreasing instalments?

Equal instalments (raty równe) keep the monthly payment constant, with interest front-loaded — this is what the calculator models. Decreasing instalments (raty malejące) pay a fixed principal each month so payments start higher and fall over time, reducing total interest paid.

Does this calculator stress-test my application?

It shows the contractual payment at the rate you enter. Polish banks additionally stress-test affordability by adding a buffer (commonly 2.5 percentage points) to the rate when checking your credit capacity. Try a higher rate to see how your application would be assessed.

Poland Mortgage Calculator

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The Poland Mortgage Calculator models a Polish home loan (kredyt hipoteczny) using local conventions: a WIBOR-plus-margin variable rate, a deposit of 10–20% to satisfy KNF loan-to-value rules, and terms up to 35 years. It returns your monthly equal instalment (rata), the total interest, your loan-to-value ratio, and a full amortisation schedule.

How it works

The loan amount is price − deposit. With equal instalments (raty równe) the monthly payment is fixed and found with the annuity formula:

rata = L x r / (1 - (1 + r)^-n)

where L is the loan, r is the monthly rate (annualRate / 12 / 100) and n is the number of months (years x 12). Each month interest is charged on the outstanding balance and the remainder of the instalment repays principal, so early payments are interest-heavy and later ones repay more capital.

Your loan-to-value (LTV) is loan / price x 100. The KNF guideline caps this at 80% (90% with insurance), and the tool flags an LTV above 80%.

LTV = loan / price. Rata = loan x r / (1 − (1+r)^-n), r = annual rate / 12.

Worked example

A PLN 600,000 flat with a PLN 120,000 deposit (20%), borrowing PLN 480,000 over 30 years at 7%:

LTV = 480,000 / 600,000 = 80% — within the KNF guideline.
Monthly rate r ≈ 0.583%, monthly rata ≈ PLN 3,193.
Total interest over 30 years ≈ PLN 669,000.

Change any input and the rata, interest, LTV and schedule update instantly. All maths runs in your browser — nothing is uploaded. Banks add a stress buffer when assessing affordability, so enter a higher rate to preview that.