In Polish: Oprocentowanie kredytu
This is the word you will see in bank documents.
Definition
The interest rate is the annual rate at which the bank charges interest on the capital still to be repaid. In a Polish mortgage it is either variable, i.e. the benchmark plus the margin, or fixed for a period, usually 5 years. The nominal interest rate does not include the commission and insurance; those are included only in the APR (RRSO).
What it means for you
The interest rate determines your instalment and how much you pay the bank in total. On a PLN 450,000 loan over 30 years, the difference between 5.89% and 6.2% is about PLN 90 a month. When comparing offers, look at the interest rate, the APR and whether the instalment can change.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What is the mortgage interest rate in Poland in 2026?
In October 2026 a 5-year fixed rate is usually about 5.8–6.5%, and a variable rate roughly 5.4–6.4%, depending on the margin and benchmark. The exact rate depends on the bank and your situation.
What is the difference between the interest rate and the APR?
The interest rate is the price of the money itself. The APR (RRSO) is the total annual cost of the loan, including the commission, mandatory insurance and other fees.
What is the maximum interest rate on a loan in Poland?
It may not exceed maximum interest, i.e. twice the statutory interest. With a reference rate of 3.75% that is 14.5% a year.
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 “Interest rates and benchmarks”