In Polish: RRSO (rzeczywista roczna stopa oprocentowania)
This is the word you will see in bank documents.
Definition
RRSO (rzeczywista roczna stopa oprocentowania) is the Polish APR: the total cost of the loan expressed as an annual percentage. It includes interest, the commission and the cost of additional services, e.g. insurance, if they are needed to get the loan on the given terms. It does not include notary costs. The bank gives the RRSO in advertising with a representative example and in the information form before the agreement.
What it means for you
The APR lets you compare offers in which the bank split costs differently between margin, commission and insurance. A lower APR for the same amount and term means a cheaper loan over the whole term. If you plan to overpay or change bank after a few years, also check the cost in the first years, because the APR spreads the commission over the whole term.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
What is RRSO in a Polish mortgage?
It is the annual percentage rate (APR): the total cost of the loan as a yearly percentage. It includes interest, the commission and the cost of services required to get the loan, e.g. insurance, but not notary costs.
Does a lower APR always mean a cheaper loan?
Over the whole repayment period, yes, if you compare the same amount, term and type of rate. If you plan to repay early, an offer with a higher APR but no commission may come out cheaper.
Where do I find the APR of my offer?
In the ESIS information form the bank gives you before the agreement, and in the loan agreement itself. Banks must also give the APR in advertising, but there it is a representative example.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Loan costs and insurance”