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Poland Published Loan Rates
KNF recommendation on DSTI; mix of fixed and variable.
PLN Active Currency
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Lowest Published APR
7.20%
Best rate benchmark currently on record
Market Average APR
9.35%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
Kredyt hipoteczny (WIBOR/WIRON indexed or fixed 5-yr)
Verified statutory framework
Poland Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Poland Kredyt Hipoteczny 5Y Stałe Oprocentowanie
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🏠 Mortgage | 25 Years (300 mo) | 7.20% | fixed | Active Benchmark | Calculate → |
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Poland Pożyczka Gotówkowa Średnia
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👤 Personal Loan | 5 Years (60 mo) | 11.50% | fixed | Active Benchmark | Calculate → |
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Poland Underwriting Guidelines
Statutory Borrowing Rule
KNF Recommendation S: max 80%–90% LTV with insurance, 50% DTI affordability buffer
Mortgage System
Kredyt hipoteczny (WIBOR/WIRON indexed or fixed 5-yr)
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference