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📍 Poland · Housing & Loans Updated 2025/2026 Rules

Poland Mortgage Calculator

Estimate your Poland monthly mortgage payment and compare the effect of changing your down payment, rate, term and other costs. Confirm current terms with a lender.

Poland · PLN

Modeled for Poland: Kredyt hipoteczny (WIBOR/WIRON indexed or fixed 5-yr). KNF Recommendation S: max 80%–90% LTV with insurance, 50% DTI affordability buffer

Rule version: source-linked-2026 · Last reviewed: 2026-09-06 (Verified statutory framework) · Official reference

⚙️ Inputs 📊 Breakdown 📅 Amortization 📖 Guide

Loan Details ?

Home price ? PLN 450 000,00

$50,000 $2,000,000+

Down payment ? PLN 90 000,00

Loan Terms

Interest rate (Annual %) ? 7.2%

1.0% 15.0%

Loan term

Monthly Costs & Escrow

Property Tax (% / year)

Home insurance ($ / yr)

HOA / Fees ($ / mo)

Fees and Advanced Options ▼

Origination fees ($)

Points (%)

Reset

Monthly Payment ✓

PLN 2 590,52

Principal, Interest, Tax & Ins. PITI

Total Payments 🗓️

PLN 777 155,36

Over full loan term

Total Interest 💲

PLN 417 155,36

Cost of borrowing

Loan & APR PL

PLN 360 000,00

APR 7,20% · LTV 80,00%

Monthly Payment Breakdown

Where each monthly dollar goes

PLN 2 590,52 / mo

100.0% P&I

P&I 100.0%

PLN 2 590,52

Composite

🛡️ Every on-time payment reduces your principal balance and builds lasting equity.

Tax + Insurance + HOA Total: PLN 0,00 / mo

⚠

Rate Context unknown

No published market rates for this country and loan type yet.

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Calculation is instantly saved in this shareable URL.

Principal vs. Interest Cumulative Principal Interest

Outstanding Loan Balance Over Time

Amortization Schedule

Track how your balance decreases month by month or year by year

Year	Annual Payment	Principal Paid	Interest Paid	Ending Balance
Year 1	PLN 31 086,24	PLN 5 340,17	PLN 25 746,07	PLN 354 659,83
Year 2	PLN 31 086,24	PLN 5 737,64	PLN 25 348,60	PLN 348 922,19
Year 3	PLN 31 086,24	PLN 6 164,65	PLN 24 921,59	PLN 342 757,54
Year 4	PLN 31 086,24	PLN 6 623,43	PLN 24 462,81	PLN 336 134,11
Year 5	PLN 31 086,24	PLN 7 116,38	PLN 23 969,86	PLN 329 017,73
Year 6	PLN 31 086,24	PLN 7 646,00	PLN 23 440,24	PLN 321 371,73
Year 7	PLN 31 086,24	PLN 8 215,06	PLN 22 871,18	PLN 313 156,67
Year 8	PLN 31 086,24	PLN 8 826,46	PLN 22 259,78	PLN 304 330,21
Year 9	PLN 31 086,24	PLN 9 483,36	PLN 21 602,88	PLN 294 846,85
Year 10	PLN 31 086,24	PLN 10 189,17	PLN 20 897,07	PLN 284 657,68
Year 11	PLN 31 086,24	PLN 10 947,48	PLN 20 138,76	PLN 273 710,20
Year 12	PLN 31 086,24	PLN 11 762,23	PLN 19 324,01	PLN 261 947,97
Year 13	PLN 31 086,24	PLN 12 637,63	PLN 18 448,61	PLN 249 310,34
Year 14	PLN 31 086,24	PLN 13 578,17	PLN 17 508,07	PLN 235 732,17
Year 15	PLN 31 086,24	PLN 14 588,70	PLN 16 497,54	PLN 221 143,47
Year 16	PLN 31 086,24	PLN 15 674,47	PLN 15 411,77	PLN 205 469,00
Year 17	PLN 31 086,24	PLN 16 841,03	PLN 14 245,21	PLN 188 627,97
Year 18	PLN 31 086,24	PLN 18 094,39	PLN 12 991,85	PLN 170 533,58
Year 19	PLN 31 086,24	PLN 19 441,06	PLN 11 645,18	PLN 151 092,52
Year 20	PLN 31 086,24	PLN 20 887,93	PLN 10 198,31	PLN 130 204,59
Year 21	PLN 31 086,24	PLN 22 442,51	PLN 8 643,73	PLN 107 762,08
Year 22	PLN 31 086,24	PLN 24 112,78	PLN 6 973,46	PLN 83 649,30
Year 23	PLN 31 086,24	PLN 25 907,34	PLN 5 178,90	PLN 57 741,96
Year 24	PLN 31 086,24	PLN 27 835,48	PLN 3 250,76	PLN 29 906,48
Year 25	PLN 31 085,60	PLN 29 906,48	PLN 1 179,12	PLN 0,00

Month	Payment	Principal	Interest	Remaining Balance
Month 1	PLN 2 590,52	PLN 430,52	PLN 2 160,00	PLN 359 569,48
Month 2	PLN 2 590,52	PLN 433,10	PLN 2 157,42	PLN 359 136,38
Month 3	PLN 2 590,52	PLN 435,70	PLN 2 154,82	PLN 358 700,68
Month 4	PLN 2 590,52	PLN 438,32	PLN 2 152,20	PLN 358 262,36
Month 5	PLN 2 590,52	PLN 440,95	PLN 2 149,57	PLN 357 821,41
Month 6	PLN 2 590,52	PLN 443,59	PLN 2 146,93	PLN 357 377,82
Month 7	PLN 2 590,52	PLN 446,25	PLN 2 144,27	PLN 356 931,57
Month 8	PLN 2 590,52	PLN 448,93	PLN 2 141,59	PLN 356 482,64
Month 9	PLN 2 590,52	PLN 451,62	PLN 2 138,90	PLN 356 031,02
Month 10	PLN 2 590,52	PLN 454,33	PLN 2 136,19	PLN 355 576,69
Month 11	PLN 2 590,52	PLN 457,06	PLN 2 133,46	PLN 355 119,63
Month 12	PLN 2 590,52	PLN 459,80	PLN 2 130,72	PLN 354 659,83
Month 13	PLN 2 590,52	PLN 462,56	PLN 2 127,96	PLN 354 197,27
Month 14	PLN 2 590,52	PLN 465,34	PLN 2 125,18	PLN 353 731,93
Month 15	PLN 2 590,52	PLN 468,13	PLN 2 122,39	PLN 353 263,80
Month 16	PLN 2 590,52	PLN 470,94	PLN 2 119,58	PLN 352 792,86
Month 17	PLN 2 590,52	PLN 473,76	PLN 2 116,76	PLN 352 319,10
Month 18	PLN 2 590,52	PLN 476,61	PLN 2 113,91	PLN 351 842,49
Month 19	PLN 2 590,52	PLN 479,47	PLN 2 111,05	PLN 351 363,02
Month 20	PLN 2 590,52	PLN 482,34	PLN 2 108,18	PLN 350 880,68
Month 21	PLN 2 590,52	PLN 485,24	PLN 2 105,28	PLN 350 395,44
Month 22	PLN 2 590,52	PLN 488,15	PLN 2 102,37	PLN 349 907,29
Month 23	PLN 2 590,52	PLN 491,08	PLN 2 099,44	PLN 349 416,21
Month 24	PLN 2 590,52	PLN 494,02	PLN 2 096,50	PLN 348 922,19
Month 25	PLN 2 590,52	PLN 496,99	PLN 2 093,53	PLN 348 425,20
Month 26	PLN 2 590,52	PLN 499,97	PLN 2 090,55	PLN 347 925,23
Month 27	PLN 2 590,52	PLN 502,97	PLN 2 087,55	PLN 347 422,26
Month 28	PLN 2 590,52	PLN 505,99	PLN 2 084,53	PLN 346 916,27
Month 29	PLN 2 590,52	PLN 509,02	PLN 2 081,50	PLN 346 407,25
Month 30	PLN 2 590,52	PLN 512,08	PLN 2 078,44	PLN 345 895,17
Month 31	PLN 2 590,52	PLN 515,15	PLN 2 075,37	PLN 345 380,02
Month 32	PLN 2 590,52	PLN 518,24	PLN 2 072,28	PLN 344 861,78
Month 33	PLN 2 590,52	PLN 521,35	PLN 2 069,17	PLN 344 340,43
Month 34	PLN 2 590,52	PLN 524,48	PLN 2 066,04	PLN 343 815,95
Month 35	PLN 2 590,52	PLN 527,62	PLN 2 062,90	PLN 343 288,33
Month 36	PLN 2 590,52	PLN 530,79	PLN 2 059,73	PLN 342 757,54
Month 37	PLN 2 590,52	PLN 533,97	PLN 2 056,55	PLN 342 223,57
Month 38	PLN 2 590,52	PLN 537,18	PLN 2 053,34	PLN 341 686,39
Month 39	PLN 2 590,52	PLN 540,40	PLN 2 050,12	PLN 341 145,99
Month 40	PLN 2 590,52	PLN 543,64	PLN 2 046,88	PLN 340 602,35
Month 41	PLN 2 590,52	PLN 546,91	PLN 2 043,61	PLN 340 055,44
Month 42	PLN 2 590,52	PLN 550,19	PLN 2 040,33	PLN 339 505,25
Month 43	PLN 2 590,52	PLN 553,49	PLN 2 037,03	PLN 338 951,76
Month 44	PLN 2 590,52	PLN 556,81	PLN 2 033,71	PLN 338 394,95
Month 45	PLN 2 590,52	PLN 560,15	PLN 2 030,37	PLN 337 834,80
Month 46	PLN 2 590,52	PLN 563,51	PLN 2 027,01	PLN 337 271,29
Month 47	PLN 2 590,52	PLN 566,89	PLN 2 023,63	PLN 336 704,40
Month 48	PLN 2 590,52	PLN 570,29	PLN 2 020,23	PLN 336 134,11
Month 49	PLN 2 590,52	PLN 573,72	PLN 2 016,80	PLN 335 560,39
Month 50	PLN 2 590,52	PLN 577,16	PLN 2 013,36	PLN 334 983,23
Month 51	PLN 2 590,52	PLN 580,62	PLN 2 009,90	PLN 334 402,61
Month 52	PLN 2 590,52	PLN 584,10	PLN 2 006,42	PLN 333 818,51
Month 53	PLN 2 590,52	PLN 587,61	PLN 2 002,91	PLN 333 230,90
Month 54	PLN 2 590,52	PLN 591,13	PLN 1 999,39	PLN 332 639,77
Month 55	PLN 2 590,52	PLN 594,68	PLN 1 995,84	PLN 332 045,09
Month 56	PLN 2 590,52	PLN 598,25	PLN 1 992,27	PLN 331 446,84
Month 57	PLN 2 590,52	PLN 601,84	PLN 1 988,68	PLN 330 845,00
Month 58	PLN 2 590,52	PLN 605,45	PLN 1 985,07	PLN 330 239,55
Month 59	PLN 2 590,52	PLN 609,08	PLN 1 981,44	PLN 329 630,47
Month 60	PLN 2 590,52	PLN 612,74	PLN 1 977,78	PLN 329 017,73
Month 61	PLN 2 590,52	PLN 616,41	PLN 1 974,11	PLN 328 401,32
Month 62	PLN 2 590,52	PLN 620,11	PLN 1 970,41	PLN 327 781,21
Month 63	PLN 2 590,52	PLN 623,83	PLN 1 966,69	PLN 327 157,38
Month 64	PLN 2 590,52	PLN 627,58	PLN 1 962,94	PLN 326 529,80
Month 65	PLN 2 590,52	PLN 631,34	PLN 1 959,18	PLN 325 898,46
Month 66	PLN 2 590,52	PLN 635,13	PLN 1 955,39	PLN 325 263,33
Month 67	PLN 2 590,52	PLN 638,94	PLN 1 951,58	PLN 324 624,39
Month 68	PLN 2 590,52	PLN 642,77	PLN 1 947,75	PLN 323 981,62
Month 69	PLN 2 590,52	PLN 646,63	PLN 1 943,89	PLN 323 334,99
Month 70	PLN 2 590,52	PLN 650,51	PLN 1 940,01	PLN 322 684,48
Month 71	PLN 2 590,52	PLN 654,41	PLN 1 936,11	PLN 322 030,07
Month 72	PLN 2 590,52	PLN 658,34	PLN 1 932,18	PLN 321 371,73
Month 73	PLN 2 590,52	PLN 662,29	PLN 1 928,23	PLN 320 709,44
Month 74	PLN 2 590,52	PLN 666,26	PLN 1 924,26	PLN 320 043,18
Month 75	PLN 2 590,52	PLN 670,26	PLN 1 920,26	PLN 319 372,92
Month 76	PLN 2 590,52	PLN 674,28	PLN 1 916,24	PLN 318 698,64
Month 77	PLN 2 590,52	PLN 678,33	PLN 1 912,19	PLN 318 020,31
Month 78	PLN 2 590,52	PLN 682,40	PLN 1 908,12	PLN 317 337,91
Month 79	PLN 2 590,52	PLN 686,49	PLN 1 904,03	PLN 316 651,42
Month 80	PLN 2 590,52	PLN 690,61	PLN 1 899,91	PLN 315 960,81
Month 81	PLN 2 590,52	PLN 694,76	PLN 1 895,76	PLN 315 266,05
Month 82	PLN 2 590,52	PLN 698,92	PLN 1 891,60	PLN 314 567,13
Month 83	PLN 2 590,52	PLN 703,12	PLN 1 887,40	PLN 313 864,01
Month 84	PLN 2 590,52	PLN 707,34	PLN 1 883,18	PLN 313 156,67
Month 85	PLN 2 590,52	PLN 711,58	PLN 1 878,94	PLN 312 445,09
Month 86	PLN 2 590,52	PLN 715,85	PLN 1 874,67	PLN 311 729,24
Month 87	PLN 2 590,52	PLN 720,14	PLN 1 870,38	PLN 311 009,10
Month 88	PLN 2 590,52	PLN 724,47	PLN 1 866,05	PLN 310 284,63
Month 89	PLN 2 590,52	PLN 728,81	PLN 1 861,71	PLN 309 555,82
Month 90	PLN 2 590,52	PLN 733,19	PLN 1 857,33	PLN 308 822,63
Month 91	PLN 2 590,52	PLN 737,58	PLN 1 852,94	PLN 308 085,05
Month 92	PLN 2 590,52	PLN 742,01	PLN 1 848,51	PLN 307 343,04
Month 93	PLN 2 590,52	PLN 746,46	PLN 1 844,06	PLN 306 596,58
Month 94	PLN 2 590,52	PLN 750,94	PLN 1 839,58	PLN 305 845,64
Month 95	PLN 2 590,52	PLN 755,45	PLN 1 835,07	PLN 305 090,19
Month 96	PLN 2 590,52	PLN 759,98	PLN 1 830,54	PLN 304 330,21
Month 97	PLN 2 590,52	PLN 764,54	PLN 1 825,98	PLN 303 565,67
Month 98	PLN 2 590,52	PLN 769,13	PLN 1 821,39	PLN 302 796,54
Month 99	PLN 2 590,52	PLN 773,74	PLN 1 816,78	PLN 302 022,80
Month 100	PLN 2 590,52	PLN 778,38	PLN 1 812,14	PLN 301 244,42
Month 101	PLN 2 590,52	PLN 783,05	PLN 1 807,47	PLN 300 461,37
Month 102	PLN 2 590,52	PLN 787,75	PLN 1 802,77	PLN 299 673,62
Month 103	PLN 2 590,52	PLN 792,48	PLN 1 798,04	PLN 298 881,14
Month 104	PLN 2 590,52	PLN 797,23	PLN 1 793,29	PLN 298 083,91
Month 105	PLN 2 590,52	PLN 802,02	PLN 1 788,50	PLN 297 281,89
Month 106	PLN 2 590,52	PLN 806,83	PLN 1 783,69	PLN 296 475,06
Month 107	PLN 2 590,52	PLN 811,67	PLN 1 778,85	PLN 295 663,39
Month 108	PLN 2 590,52	PLN 816,54	PLN 1 773,98	PLN 294 846,85
Month 109	PLN 2 590,52	PLN 821,44	PLN 1 769,08	PLN 294 025,41
Month 110	PLN 2 590,52	PLN 826,37	PLN 1 764,15	PLN 293 199,04
Month 111	PLN 2 590,52	PLN 831,33	PLN 1 759,19	PLN 292 367,71
Month 112	PLN 2 590,52	PLN 836,31	PLN 1 754,21	PLN 291 531,40
Month 113	PLN 2 590,52	PLN 841,33	PLN 1 749,19	PLN 290 690,07
Month 114	PLN 2 590,52	PLN 846,38	PLN 1 744,14	PLN 289 843,69
Month 115	PLN 2 590,52	PLN 851,46	PLN 1 739,06	PLN 288 992,23
Month 116	PLN 2 590,52	PLN 856,57	PLN 1 733,95	PLN 288 135,66
Month 117	PLN 2 590,52	PLN 861,71	PLN 1 728,81	PLN 287 273,95
Month 118	PLN 2 590,52	PLN 866,88	PLN 1 723,64	PLN 286 407,07
Month 119	PLN 2 590,52	PLN 872,08	PLN 1 718,44	PLN 285 534,99
Month 120	PLN 2 590,52	PLN 877,31	PLN 1 713,21	PLN 284 657,68
Month 121	PLN 2 590,52	PLN 882,57	PLN 1 707,95	PLN 283 775,11
Month 122	PLN 2 590,52	PLN 887,87	PLN 1 702,65	PLN 282 887,24
Month 123	PLN 2 590,52	PLN 893,20	PLN 1 697,32	PLN 281 994,04
Month 124	PLN 2 590,52	PLN 898,56	PLN 1 691,96	PLN 281 095,48
Month 125	PLN 2 590,52	PLN 903,95	PLN 1 686,57	PLN 280 191,53
Month 126	PLN 2 590,52	PLN 909,37	PLN 1 681,15	PLN 279 282,16
Month 127	PLN 2 590,52	PLN 914,83	PLN 1 675,69	PLN 278 367,33
Month 128	PLN 2 590,52	PLN 920,32	PLN 1 670,20	PLN 277 447,01
Month 129	PLN 2 590,52	PLN 925,84	PLN 1 664,68	PLN 276 521,17
Month 130	PLN 2 590,52	PLN 931,39	PLN 1 659,13	PLN 275 589,78
Month 131	PLN 2 590,52	PLN 936,98	PLN 1 653,54	PLN 274 652,80
Month 132	PLN 2 590,52	PLN 942,60	PLN 1 647,92	PLN 273 710,20
Month 133	PLN 2 590,52	PLN 948,26	PLN 1 642,26	PLN 272 761,94
Month 134	PLN 2 590,52	PLN 953,95	PLN 1 636,57	PLN 271 807,99
Month 135	PLN 2 590,52	PLN 959,67	PLN 1 630,85	PLN 270 848,32
Month 136	PLN 2 590,52	PLN 965,43	PLN 1 625,09	PLN 269 882,89
Month 137	PLN 2 590,52	PLN 971,22	PLN 1 619,30	PLN 268 911,67
Month 138	PLN 2 590,52	PLN 977,05	PLN 1 613,47	PLN 267 934,62
Month 139	PLN 2 590,52	PLN 982,91	PLN 1 607,61	PLN 266 951,71
Month 140	PLN 2 590,52	PLN 988,81	PLN 1 601,71	PLN 265 962,90
Month 141	PLN 2 590,52	PLN 994,74	PLN 1 595,78	PLN 264 968,16
Month 142	PLN 2 590,52	PLN 1 000,71	PLN 1 589,81	PLN 263 967,45
Month 143	PLN 2 590,52	PLN 1 006,72	PLN 1 583,80	PLN 262 960,73
Month 144	PLN 2 590,52	PLN 1 012,76	PLN 1 577,76	PLN 261 947,97
Month 145	PLN 2 590,52	PLN 1 018,83	PLN 1 571,69	PLN 260 929,14
Month 146	PLN 2 590,52	PLN 1 024,95	PLN 1 565,57	PLN 259 904,19
Month 147	PLN 2 590,52	PLN 1 031,09	PLN 1 559,43	PLN 258 873,10
Month 148	PLN 2 590,52	PLN 1 037,28	PLN 1 553,24	PLN 257 835,82
Month 149	PLN 2 590,52	PLN 1 043,51	PLN 1 547,01	PLN 256 792,31
Month 150	PLN 2 590,52	PLN 1 049,77	PLN 1 540,75	PLN 255 742,54
Month 151	PLN 2 590,52	PLN 1 056,06	PLN 1 534,46	PLN 254 686,48
Month 152	PLN 2 590,52	PLN 1 062,40	PLN 1 528,12	PLN 253 624,08
Month 153	PLN 2 590,52	PLN 1 068,78	PLN 1 521,74	PLN 252 555,30
Month 154	PLN 2 590,52	PLN 1 075,19	PLN 1 515,33	PLN 251 480,11
Month 155	PLN 2 590,52	PLN 1 081,64	PLN 1 508,88	PLN 250 398,47
Month 156	PLN 2 590,52	PLN 1 088,13	PLN 1 502,39	PLN 249 310,34
Month 157	PLN 2 590,52	PLN 1 094,66	PLN 1 495,86	PLN 248 215,68
Month 158	PLN 2 590,52	PLN 1 101,23	PLN 1 489,29	PLN 247 114,45
Month 159	PLN 2 590,52	PLN 1 107,83	PLN 1 482,69	PLN 246 006,62
Month 160	PLN 2 590,52	PLN 1 114,48	PLN 1 476,04	PLN 244 892,14
Month 161	PLN 2 590,52	PLN 1 121,17	PLN 1 469,35	PLN 243 770,97
Month 162	PLN 2 590,52	PLN 1 127,89	PLN 1 462,63	PLN 242 643,08
Month 163	PLN 2 590,52	PLN 1 134,66	PLN 1 455,86	PLN 241 508,42
Month 164	PLN 2 590,52	PLN 1 141,47	PLN 1 449,05	PLN 240 366,95
Month 165	PLN 2 590,52	PLN 1 148,32	PLN 1 442,20	PLN 239 218,63
Month 166	PLN 2 590,52	PLN 1 155,21	PLN 1 435,31	PLN 238 063,42
Month 167	PLN 2 590,52	PLN 1 162,14	PLN 1 428,38	PLN 236 901,28
Month 168	PLN 2 590,52	PLN 1 169,11	PLN 1 421,41	PLN 235 732,17
Month 169	PLN 2 590,52	PLN 1 176,13	PLN 1 414,39	PLN 234 556,04
Month 170	PLN 2 590,52	PLN 1 183,18	PLN 1 407,34	PLN 233 372,86
Month 171	PLN 2 590,52	PLN 1 190,28	PLN 1 400,24	PLN 232 182,58
Month 172	PLN 2 590,52	PLN 1 197,42	PLN 1 393,10	PLN 230 985,16
Month 173	PLN 2 590,52	PLN 1 204,61	PLN 1 385,91	PLN 229 780,55
Month 174	PLN 2 590,52	PLN 1 211,84	PLN 1 378,68	PLN 228 568,71
Month 175	PLN 2 590,52	PLN 1 219,11	PLN 1 371,41	PLN 227 349,60
Month 176	PLN 2 590,52	PLN 1 226,42	PLN 1 364,10	PLN 226 123,18
Month 177	PLN 2 590,52	PLN 1 233,78	PLN 1 356,74	PLN 224 889,40
Month 178	PLN 2 590,52	PLN 1 241,18	PLN 1 349,34	PLN 223 648,22
Month 179	PLN 2 590,52	PLN 1 248,63	PLN 1 341,89	PLN 222 399,59
Month 180	PLN 2 590,52	PLN 1 256,12	PLN 1 334,40	PLN 221 143,47
Month 181	PLN 2 590,52	PLN 1 263,66	PLN 1 326,86	PLN 219 879,81
Month 182	PLN 2 590,52	PLN 1 271,24	PLN 1 319,28	PLN 218 608,57
Month 183	PLN 2 590,52	PLN 1 278,87	PLN 1 311,65	PLN 217 329,70
Month 184	PLN 2 590,52	PLN 1 286,54	PLN 1 303,98	PLN 216 043,16
Month 185	PLN 2 590,52	PLN 1 294,26	PLN 1 296,26	PLN 214 748,90
Month 186	PLN 2 590,52	PLN 1 302,03	PLN 1 288,49	PLN 213 446,87
Month 187	PLN 2 590,52	PLN 1 309,84	PLN 1 280,68	PLN 212 137,03
Month 188	PLN 2 590,52	PLN 1 317,70	PLN 1 272,82	PLN 210 819,33
Month 189	PLN 2 590,52	PLN 1 325,60	PLN 1 264,92	PLN 209 493,73
Month 190	PLN 2 590,52	PLN 1 333,56	PLN 1 256,96	PLN 208 160,17
Month 191	PLN 2 590,52	PLN 1 341,56	PLN 1 248,96	PLN 206 818,61
Month 192	PLN 2 590,52	PLN 1 349,61	PLN 1 240,91	PLN 205 469,00
Month 193	PLN 2 590,52	PLN 1 357,71	PLN 1 232,81	PLN 204 111,29
Month 194	PLN 2 590,52	PLN 1 365,85	PLN 1 224,67	PLN 202 745,44
Month 195	PLN 2 590,52	PLN 1 374,05	PLN 1 216,47	PLN 201 371,39
Month 196	PLN 2 590,52	PLN 1 382,29	PLN 1 208,23	PLN 199 989,10
Month 197	PLN 2 590,52	PLN 1 390,59	PLN 1 199,93	PLN 198 598,51
Month 198	PLN 2 590,52	PLN 1 398,93	PLN 1 191,59	PLN 197 199,58
Month 199	PLN 2 590,52	PLN 1 407,32	PLN 1 183,20	PLN 195 792,26
Month 200	PLN 2 590,52	PLN 1 415,77	PLN 1 174,75	PLN 194 376,49
Month 201	PLN 2 590,52	PLN 1 424,26	PLN 1 166,26	PLN 192 952,23
Month 202	PLN 2 590,52	PLN 1 432,81	PLN 1 157,71	PLN 191 519,42
Month 203	PLN 2 590,52	PLN 1 441,40	PLN 1 149,12	PLN 190 078,02
Month 204	PLN 2 590,52	PLN 1 450,05	PLN 1 140,47	PLN 188 627,97
Month 205	PLN 2 590,52	PLN 1 458,75	PLN 1 131,77	PLN 187 169,22
Month 206	PLN 2 590,52	PLN 1 467,50	PLN 1 123,02	PLN 185 701,72
Month 207	PLN 2 590,52	PLN 1 476,31	PLN 1 114,21	PLN 184 225,41
Month 208	PLN 2 590,52	PLN 1 485,17	PLN 1 105,35	PLN 182 740,24
Month 209	PLN 2 590,52	PLN 1 494,08	PLN 1 096,44	PLN 181 246,16
Month 210	PLN 2 590,52	PLN 1 503,04	PLN 1 087,48	PLN 179 743,12
Month 211	PLN 2 590,52	PLN 1 512,06	PLN 1 078,46	PLN 178 231,06
Month 212	PLN 2 590,52	PLN 1 521,13	PLN 1 069,39	PLN 176 709,93
Month 213	PLN 2 590,52	PLN 1 530,26	PLN 1 060,26	PLN 175 179,67
Month 214	PLN 2 590,52	PLN 1 539,44	PLN 1 051,08	PLN 173 640,23
Month 215	PLN 2 590,52	PLN 1 548,68	PLN 1 041,84	PLN 172 091,55
Month 216	PLN 2 590,52	PLN 1 557,97	PLN 1 032,55	PLN 170 533,58
Month 217	PLN 2 590,52	PLN 1 567,32	PLN 1 023,20	PLN 168 966,26
Month 218	PLN 2 590,52	PLN 1 576,72	PLN 1 013,80	PLN 167 389,54
Month 219	PLN 2 590,52	PLN 1 586,18	PLN 1 004,34	PLN 165 803,36
Month 220	PLN 2 590,52	PLN 1 595,70	PLN 994,82	PLN 164 207,66
Month 221	PLN 2 590,52	PLN 1 605,27	PLN 985,25	PLN 162 602,39
Month 222	PLN 2 590,52	PLN 1 614,91	PLN 975,61	PLN 160 987,48
Month 223	PLN 2 590,52	PLN 1 624,60	PLN 965,92	PLN 159 362,88
Month 224	PLN 2 590,52	PLN 1 634,34	PLN 956,18	PLN 157 728,54
Month 225	PLN 2 590,52	PLN 1 644,15	PLN 946,37	PLN 156 084,39
Month 226	PLN 2 590,52	PLN 1 654,01	PLN 936,51	PLN 154 430,38
Month 227	PLN 2 590,52	PLN 1 663,94	PLN 926,58	PLN 152 766,44
Month 228	PLN 2 590,52	PLN 1 673,92	PLN 916,60	PLN 151 092,52
Month 229	PLN 2 590,52	PLN 1 683,96	PLN 906,56	PLN 149 408,56
Month 230	PLN 2 590,52	PLN 1 694,07	PLN 896,45	PLN 147 714,49
Month 231	PLN 2 590,52	PLN 1 704,23	PLN 886,29	PLN 146 010,26
Month 232	PLN 2 590,52	PLN 1 714,46	PLN 876,06	PLN 144 295,80
Month 233	PLN 2 590,52	PLN 1 724,75	PLN 865,77	PLN 142 571,05
Month 234	PLN 2 590,52	PLN 1 735,09	PLN 855,43	PLN 140 835,96
Month 235	PLN 2 590,52	PLN 1 745,50	PLN 845,02	PLN 139 090,46
Month 236	PLN 2 590,52	PLN 1 755,98	PLN 834,54	PLN 137 334,48
Month 237	PLN 2 590,52	PLN 1 766,51	PLN 824,01	PLN 135 567,97
Month 238	PLN 2 590,52	PLN 1 777,11	PLN 813,41	PLN 133 790,86
Month 239	PLN 2 590,52	PLN 1 787,77	PLN 802,75	PLN 132 003,09
Month 240	PLN 2 590,52	PLN 1 798,50	PLN 792,02	PLN 130 204,59
Month 241	PLN 2 590,52	PLN 1 809,29	PLN 781,23	PLN 128 395,30
Month 242	PLN 2 590,52	PLN 1 820,15	PLN 770,37	PLN 126 575,15
Month 243	PLN 2 590,52	PLN 1 831,07	PLN 759,45	PLN 124 744,08
Month 244	PLN 2 590,52	PLN 1 842,06	PLN 748,46	PLN 122 902,02
Month 245	PLN 2 590,52	PLN 1 853,11	PLN 737,41	PLN 121 048,91
Month 246	PLN 2 590,52	PLN 1 864,23	PLN 726,29	PLN 119 184,68
Month 247	PLN 2 590,52	PLN 1 875,41	PLN 715,11	PLN 117 309,27
Month 248	PLN 2 590,52	PLN 1 886,66	PLN 703,86	PLN 115 422,61
Month 249	PLN 2 590,52	PLN 1 897,98	PLN 692,54	PLN 113 524,63
Month 250	PLN 2 590,52	PLN 1 909,37	PLN 681,15	PLN 111 615,26
Month 251	PLN 2 590,52	PLN 1 920,83	PLN 669,69	PLN 109 694,43
Month 252	PLN 2 590,52	PLN 1 932,35	PLN 658,17	PLN 107 762,08
Month 253	PLN 2 590,52	PLN 1 943,95	PLN 646,57	PLN 105 818,13
Month 254	PLN 2 590,52	PLN 1 955,61	PLN 634,91	PLN 103 862,52
Month 255	PLN 2 590,52	PLN 1 967,34	PLN 623,18	PLN 101 895,18
Month 256	PLN 2 590,52	PLN 1 979,15	PLN 611,37	PLN 99 916,03
Month 257	PLN 2 590,52	PLN 1 991,02	PLN 599,50	PLN 97 925,01
Month 258	PLN 2 590,52	PLN 2 002,97	PLN 587,55	PLN 95 922,04
Month 259	PLN 2 590,52	PLN 2 014,99	PLN 575,53	PLN 93 907,05
Month 260	PLN 2 590,52	PLN 2 027,08	PLN 563,44	PLN 91 879,97
Month 261	PLN 2 590,52	PLN 2 039,24	PLN 551,28	PLN 89 840,73
Month 262	PLN 2 590,52	PLN 2 051,48	PLN 539,04	PLN 87 789,25
Month 263	PLN 2 590,52	PLN 2 063,78	PLN 526,74	PLN 85 725,47
Month 264	PLN 2 590,52	PLN 2 076,17	PLN 514,35	PLN 83 649,30
Month 265	PLN 2 590,52	PLN 2 088,62	PLN 501,90	PLN 81 560,68
Month 266	PLN 2 590,52	PLN 2 101,16	PLN 489,36	PLN 79 459,52
Month 267	PLN 2 590,52	PLN 2 113,76	PLN 476,76	PLN 77 345,76
Month 268	PLN 2 590,52	PLN 2 126,45	PLN 464,07	PLN 75 219,31
Month 269	PLN 2 590,52	PLN 2 139,20	PLN 451,32	PLN 73 080,11
Month 270	PLN 2 590,52	PLN 2 152,04	PLN 438,48	PLN 70 928,07
Month 271	PLN 2 590,52	PLN 2 164,95	PLN 425,57	PLN 68 763,12
Month 272	PLN 2 590,52	PLN 2 177,94	PLN 412,58	PLN 66 585,18
Month 273	PLN 2 590,52	PLN 2 191,01	PLN 399,51	PLN 64 394,17
Month 274	PLN 2 590,52	PLN 2 204,15	PLN 386,37	PLN 62 190,02
Month 275	PLN 2 590,52	PLN 2 217,38	PLN 373,14	PLN 59 972,64
Month 276	PLN 2 590,52	PLN 2 230,68	PLN 359,84	PLN 57 741,96
Month 277	PLN 2 590,52	PLN 2 244,07	PLN 346,45	PLN 55 497,89
Month 278	PLN 2 590,52	PLN 2 257,53	PLN 332,99	PLN 53 240,36
Month 279	PLN 2 590,52	PLN 2 271,08	PLN 319,44	PLN 50 969,28
Month 280	PLN 2 590,52	PLN 2 284,70	PLN 305,82	PLN 48 684,58
Month 281	PLN 2 590,52	PLN 2 298,41	PLN 292,11	PLN 46 386,17
Month 282	PLN 2 590,52	PLN 2 312,20	PLN 278,32	PLN 44 073,97
Month 283	PLN 2 590,52	PLN 2 326,08	PLN 264,44	PLN 41 747,89
Month 284	PLN 2 590,52	PLN 2 340,03	PLN 250,49	PLN 39 407,86
Month 285	PLN 2 590,52	PLN 2 354,07	PLN 236,45	PLN 37 053,79
Month 286	PLN 2 590,52	PLN 2 368,20	PLN 222,32	PLN 34 685,59
Month 287	PLN 2 590,52	PLN 2 382,41	PLN 208,11	PLN 32 303,18
Month 288	PLN 2 590,52	PLN 2 396,70	PLN 193,82	PLN 29 906,48
Month 289	PLN 2 590,52	PLN 2 411,08	PLN 179,44	PLN 27 495,40
Month 290	PLN 2 590,52	PLN 2 425,55	PLN 164,97	PLN 25 069,85
Month 291	PLN 2 590,52	PLN 2 440,10	PLN 150,42	PLN 22 629,75
Month 292	PLN 2 590,52	PLN 2 454,74	PLN 135,78	PLN 20 175,01
Month 293	PLN 2 590,52	PLN 2 469,47	PLN 121,05	PLN 17 705,54
Month 294	PLN 2 590,52	PLN 2 484,29	PLN 106,23	PLN 15 221,25
Month 295	PLN 2 590,52	PLN 2 499,19	PLN 91,33	PLN 12 722,06
Month 296	PLN 2 590,52	PLN 2 514,19	PLN 76,33	PLN 10 207,87
Month 297	PLN 2 590,52	PLN 2 529,27	PLN 61,25	PLN 7 678,60
Month 298	PLN 2 590,52	PLN 2 544,45	PLN 46,07	PLN 5 134,15
Month 299	PLN 2 590,52	PLN 2 559,72	PLN 30,80	PLN 2 574,43
Month 300	PLN 2 589,88	PLN 2 574,43	PLN 15,45	PLN 0,00

15-Year vs. 30-Year Loan Comparison

Principal and interest comparison showing long-term interest savings

Loan Term	Monthly P&I	Total Interest Paid	Total Interest Saved
180 Months (15 Years)	PLN 3 276,17	PLN 229 710,05	Save PLN 289 997,02
360 Months (30 Years)	PLN 2 443,64	PLN 519 707,07	Baseline

Mortgage estimate

A mortgage payment depends on the loan amount, interest rate and term. Depending on the property and location, taxes, insurance, mortgage insurance, association charges and fees may also affect the overall cost. Add the costs that apply to your situation to compare scenarios.

This calculator provides an estimate from the values entered and the selected country assumptions. It does not assess a complete mortgage application or replace a lender's offer. Inputs are sent over HTTPS for calculation and are not saved to an account or calculation database.

Who Benefits Most

First-time homebuyers benefit from seeing their true total monthly housing commitment—encompassing principal, interest, tax escrows, hazard insurance, and private mortgage insurance—before making an offer on a home. Existing homeowners evaluating a refinance can accurately test whether monthly interest savings offset appraisal, origination, and title fees to establish their true breakeven date. International expatriates, cross-border professionals, and relocating families can contrast borrowing limits, mandatory deposit thresholds, and repayment mechanics across different legal jurisdictions without switching software or deciphering unfamiliar terminology.

Country-specific details

The calculators cover country-specific details such as US PMI rules, Australian Lenders Mortgage Insurance (LMI), Canadian mortgage default insurance, and German annuity structures (Annuitätendarlehen with Tilgung and Zinsbindung). Inputs are sent to our application over HTTPS to calculate results, but are not saved to an account or calculation database. Shareable links may include the values you entered.

A Practical Walk-Through of Our Financial Tool Suites

Making sound property and borrowing decisions requires looking beyond an isolated loan payment. Our platform arranges complementary financial tools into three specialized suites, allowing you to examine every dimension of your personal balance sheet.

1. Housing and Mortgage Suite

The Home Affordability Calculator estimates a price from income, debts and country assumptions. The Mortgage Calculator estimates payments from the loan amount, rate, term and costs you enter. You can also compare extra payments, refinancing costs, or rent and buy scenarios using your own assumptions.

2. Income, Tax, and Budgeting Suite

The Salary Calculator estimates take-home pay using the selected country and the details entered. The Budget Calculator helps organize income and expenses. Both can help you explore a budget, but neither decides whether a lender will approve an application.

3. Debt Elimination and Wealth Accumulation Suite

The Debt Consolidation and Loan Calculators compare payments and interest using the values you provide. The Compound Interest Calculator illustrates how contributions and assumed returns affect a future balance; returns are not guaranteed.

How to Use This Mortgage Calculator

Begin by entering your agreed Home Price, which represents the gross purchase valuation stated on your real estate purchase agreement. Next, enter your cash Down Payment (or deposit). The calculator subtracts this down payment from the property price to determine your net base loan principal, displaying your Loan-to-Value (LTV) percentage immediately. If your down payment is below conventional thresholds (such as 20% in the United States, Australia, or Canada), the system automatically incorporates statutory mortgage default insurance into your monthly projections.

Enter the annual interest rate and loan term from the offer you want to assess. A shorter term usually has higher regular payments and may reduce interest over the life of the loan. Add estimates for property taxes, insurance, mortgage insurance and HOA dues to see their effect on monthly housing costs.

Calculation Methodology & Statutory Standards

For a fixed-rate loan with regular monthly payments, the principal and interest estimate uses the standard amortization equation:

M = P × [ r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]

In this formula, M is the monthly principal and interest payment, P is the loan principal, r is the monthly interest rate, and n is the number of monthly payments.

Each payment first covers interest on the outstanding balance; the remainder reduces principal. Taxes, insurance and other costs are shown from the values entered and country assumptions. Actual lender calculations, insurance rules and escrow amounts may differ; confirm them with your lender and relevant authority.

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

The interest rate is the baseline annual cost of borrowing expressed as a percentage of your outstanding principal balance. The Annual Percentage Rate (APR) reflects the broader cost of financing, bundling the base interest rate together with origination points, discount points, processing fees, underwriting charges, and essential settlement expenses. Under Regulation Z of the Truth in Lending Act enforced by the Consumer Financial Protection Bureau (CFPB), lenders must disclose the APR so borrowers can make an apples-to-apples comparison across competing mortgage offers that feature differing upfront fee structures.

When and how can Private Mortgage Insurance (PMI) be cancelled?

Under the federal Homeowners Protection Act of 1998, you have the legal right to submit a written request to cancel PMI once your regular payments bring the principal loan balance down to 80% of the property's original value, provided your payment history is satisfactory. In addition, mortgage loan servicers are required by law to cancel PMI automatically once your amortization schedule reaches 78% of the original value, without requiring borrower intervention. Loans backed by the Federal Housing Administration (FHA) follow different statutory rules: borrowers who put down less than 10% must maintain Mortgage Insurance Premiums (MIP) for the entire duration of the loan.

How do additional principal curtailments reduce total loan cost and payoff duration?

Because mortgage interest is calculated monthly against the remaining principal balance, applying extra funds directly toward the principal lowers every subsequent monthly interest charge. For example, adding an extra $200 each month to a $400,000 30-year fixed loan at 6.75% eliminates more than five years of scheduled payments and prevents over $85,000 in interest charges from accruing. Conforming residential mortgages carry no statutory prepayment penalties, meaning borrowers can pay down principal at any cadence without penalty.

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

A fixed-rate mortgage guarantees that your principal and interest payment remains identical over the entire loan life, shielding household budgets from macroeconomic rate volatility. An adjustable-rate mortgage (ARM) or tracker loan provides an initial discounted interest rate for a fixed period (such as 3, 5, or 7 years), after which the rate adjusts periodically according to a benchmark index (such as SOFR in the United States or the Bank of England base rate in the United Kingdom) plus a lender margin. Borrowers who plan to relocate or refinance before the initial fixed period expires can save significant interest with an ARM, but they accept the risk of higher future payments if benchmark rates rise.

Explore Related Financial Planning Calculators

Affordability Calculator →

Use this tool before touring properties to calculate your maximum purchase ceiling based on your gross household income, recurring personal debt obligations, and statutory debt-to-income (DTI) caps.

Extra Payment Calculator →

Use this tool to estimate how recurring or one-off extra payments could affect payoff time and total interest.

Refinance Calculator →

Use this tool when market interest rates decline to compute your financial break-even point by comparing ongoing payment reductions against upfront loan origination and closing settlement fees.

Poland Mortgage Standards & Regulatory Limits

Mortgage underwriting in Poland follows domestic statutory frameworks governing maximum loan-to-value (LTV) limits, minimum cash deposits, and mandatory interest rate stress tests. This calculator automatically incorporates Poland standards into its assumptions so that your results reflect realistic underwriting requirements rather than generic estimates.

KNF recommendation on DSTI; mix of fixed and variable.

Poland home affordability calculator → Test extra mortgage payments → Mortgage refinance calculator → Compare renting and buying in Poland → Estimate your total home-buying budget → Check Poland net take-home salary → Explore country mortgage guides →

⚙️

Calculation Methodology & Proof

Mortgage (PITI + schedule)

The loan is amortized as above. Housing cost adds tax, insurance, HOA, and PMI. UK-style splits keep an interest-only balloon.

PITI = M + tax/12 + insurance/12 + HOA + PMI. IO payment = IO balance × r. Balloon = IO balance at term.

Loan amount = price − down payment. LTV = loan / price.
If an interest-only amount is set, only the remainder amortizes.
PMI (when enabled) is charged while scheduled LTV is above the threshold (default 80%).
Total cost sums interest, fees, and the recurring housing add-ons over the payoff period.

Important Caveats & Planning Assumptions

Tax and insurance are estimates; escrow analysis will differ.
PMI cancellation rules vary by product and country.

Read complete methodology documentation →

Frequently Asked Questions

Expert answers to common questions

What is included in the monthly total?

Principal and interest, plus estimated property tax, home insurance, HOA, and PMI when LTV is above the threshold. That PITI figure is what lenders use for affordability.

When does PMI drop off?

This calculator removes PMI once the scheduled balance reaches 80% of the original purchase price. Servicers may also need an appraisal; rules vary by country and loan type.

How does a UK split mortgage work here?

Set an interest-only amount. That slice is charged interest only and remains as a balloon; the rest amortizes over the term.

Total Monthly (PITI)

PLN 2 590,52

Breakdown ↓ Schedule

📋 Official Guide · 2026

Reviewed 2026-09-11 · Yes. EU citizens with stable income (Umowa o pracę) and a PESEL number are treated similarly to Polish citizens. Non-EU citizens usually require a permanent residence permit (Karta stałego pobytu) or a long-term temporary residence permit, and a 20% down payment is strictly enforced.

Poland Mortgage Guide 2026: WIBOR, Fixed Rates, and Government Subsidies

The Polish mortgage market (Kredyt Hipoteczny) is characterized by strict affordability calculations, a transition toward fixed-rate mortgages, and frequent government intervention via subsidized loan programs (like the "Safe Credit" or its successors). Most loans are issued in Polish Złoty (PLN) based on the WIBOR index. This guide details the 2026 Polish lending landscape.

How Much Can You Borrow in Poland? ▼

Your borrowing limit is determined by the KNF's Recommendation S, which dictates strict Loan-to-Value (LTV) limits and stringent income stress tests.

Loan-to-Value (LTV) Limits

Maximum 80% LTV	Standard rule. You need a 20% down payment (Wkład własny).

Maximum 90% LTV: Allowed if the extra 10% risk is insured (Ubezpieczenie niskiego wkładu własnego) or secured otherwise. Thus, a 10% minimum down payment is practically possible at most banks.

Debt-to-Income (DTI) and Stress Testing

KNF mandates severe stress testing. Banks must calculate your affordability assuming interest rates increase by at least 2.5 to 5.0 percentage points (depending on the fixed/variable structure).

For lower-income earners, total debt repayments cannot exceed 40% of net income.

For higher-income earners, the limit is 50%.

Banks calculate your capacity by deducting standard living costs (Koszty utrzymania) per family member from your net income. The remaining amount (Dochód dyspozycyjny) dictates your maximum monthly installment.

Use the affordability calculator to determine your maximum mortgage capacity.

Polish Mortgage Types ▼

Historically, variable rates dominated. However, KNF now requires all banks to offer 5-year fixed rates, and they have become the market standard for new loans in 2026.

Fixed Rate (Stała stopa procentowa): The interest rate is locked for 5 years (rarely 7 or 10 years). After 5 years, you must either sign a new 5-year fixed annex at prevailing market rates or switch to a variable rate.

Variable Rate (Zmienna stopa procentowa): The rate equals the 3-month or 6-month WIBOR (Warsaw Interbank Offered Rate) plus a fixed bank margin (Marża banku). Installments change every 3 or 6 months. (Note: Poland is transitioning away from WIBOR to the new WIRON index, expected to fully replace WIBOR by 2027).

Current Polish Mortgage Rates (2026) ▼

Polish interest rates are significantly higher than the Eurozone average due to NBP (National Bank of Poland) monetary policy:

5-year Fixed Rate	6.50% to 7.50%
Variable Rate (WIBOR/WIRON 3M + Margin)	6.80% to 7.80% (Margin is typically 1.5% to 2.5%)

*Rates are illustrative averages as of September 2026 in PLN.*

Closing Costs and Taxes ▼

Closing costs in Poland must be paid in cash and depend heavily on whether you are buying on the primary market (from a developer) or secondary market (resale).

Secondary Market (Rynek wtórny):

PCC Tax (Podatek od czynności cywilnoprawnych): 2% of the property value. (Note: First-time buyers purchasing their first property on the secondary market are exempt from this 2% PCC tax as of recent law changes).

Primary Market (Rynek pierwotny):

PCC Tax	0% (The developer pays VAT, which is included in the purchase price).

Other Buyer Costs:

Notary Fees (Taksa notarialna)	Regulated by brackets, roughly 0.5% to 1% of the property value + 23% VAT.
Real Estate Agent Fee (Prowizja biura)	1.5% to 3.0% + 23% VAT (often negotiable).
Bank Origination Fee (Prowizja za udzielenie kredytu)	0% to 2% of the loan amount.
Mortgage Registration Fee (Wpis hipoteki do księgi wieczystej)	200 PLN.

Use the budget calculator to estimate your exact cash required to close in Poland.

The Polish Mortgage Process ▼

1. Check Credit History (BIK). Download your Raport BIK before applying to ensure no outstanding minor debts damage your score.

2. Sign the Preliminary Contract (Umowa przedwstępna). Usually requires a 10% deposit (Zadatek). If you back out, you lose it. If the seller backs out, they return double. Ensure a clause making it contingent on loan approval if your deposit is large.

3. Submit Mortgage Applications. It is standard practice to apply to 2 or 3 banks simultaneously (via a credit intermediary / Doradca Kredytowy) to compare offers and ensure approval.

4. Property Valuation (Wycena nieruchomości). The bank commissions an appraiser (Rzeczoznawca).

5. Sign the Mortgage Agreement (Umowa kredytowa).

6. Final Notarial Deed (Akt notarialny). Signed at the notary.

7. Disbursement (Uruchomienie kredytu). The bank transfers the funds to the seller's account.

Are there early repayment penalties in Poland? ▼

By law (Ustawa o kredycie hipotecznym), for variable-rate loans, the bank can charge a maximum 3% penalty only within the first 36 months. After 3 years, early repayment is 100% free. For fixed-rate loans, banks generally allow penalty-free early repayment, but check the specific contract.

Can foreigners get a mortgage in Poland? ▼

Yes, foreign citizens legally residing in Poland can qualify for a mortgage (Kredyt Hipoteczny). EU/EEA citizens with permanent employment contracts (Umowa o pracę), a verified PESEL identification number, and standard Polish bank accounts face underwriting terms identical to Polish citizens. Non-EU nationals generally require either a permanent residence card (Karta stałego pobytu) or a valid long-term temporary residence card (Karta czasowego pobytu) with at least 12–24 months of validity remaining, along with a documented 20% down payment (Wkład własny).

Official Sources & References

Komisja Nadzoru Finansowego (KNF — Polish Financial Supervision Authority) Narodowy Bank Polski (NBP — National Bank of Poland)

Monthly Payment Breakdown

🗄️ Saved Comparison Scenarios (Side-by-Side)

⚡ Embed Calculator on Your Website

Amortization Schedule

15-Year vs. 30-Year Loan Comparison

Mortgage estimate

Who Benefits Most

Country-specific details

A Practical Walk-Through of Our Financial Tool Suites

1. Housing and Mortgage Suite

2. Income, Tax, and Budgeting Suite

3. Debt Elimination and Wealth Accumulation Suite

How to Use This Mortgage Calculator

Calculation Methodology & Statutory Standards

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

When and how can Private Mortgage Insurance (PMI) be cancelled?

How do additional principal curtailments reduce total loan cost and payoff duration?

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

Explore Related Financial Planning Calculators

Affordability Calculator →

Extra Payment Calculator →

Refinance Calculator →

Poland Mortgage Standards & Regulatory Limits

Mortgage (PITI + schedule)

Important Caveats & Planning Assumptions

Expert answers to common questions

Poland Mortgage Guide 2026: WIBOR, Fixed Rates, and Government Subsidies