Mortgage calculator for Poland: your monthly instalment
Enter the price and your down payment, or the loan amount, plus the term and the interest rate from a bank offer. You will see the instalment, total interest, LTV and the instalment if rates go up.
Your result
Enter the interest rate from the bank offer. The price, down payment and term are already filled in. The result will appear here straight away.
Do not know the rate? Try two or three rates 1 percentage point apart and compare the instalment and interest.
Monthly instalment
–
- Loan amount
- Down payment
- LTV (loan to value)
- Arrangement fee
- Total amount to repay
- Instalment if the rate rose by 2.5 pp
Free of charge. A KNF-registered expert calls you back and shows offers for this amount.
An illustration based only on your figures, with the same interest rate for the whole term. It does not include insurance or rate changes. It is not an offer, a representative example or a lending decision. The bank sets the terms and makes the decision.
Compare loan terms
Same amount and rate, different term. A shorter term means a higher instalment but much less interest.
| Term | Instalment | Interest | Difference in interest |
|---|
Instalment at a different rate
Same amount and term. This is how the instalment changes when rates go down or up.
| Interest rate | Instalment | Change | Total interest |
|---|
Principal and interest year by year
How much of the instalments paid in a given year repays the loan and how much is interest for the bank. Interest dominates at the start.
Will a bank lend you this amount?
Repayment schedule year by year
| Year | Paid | Principal | Interest | Balance |
|---|
How to read the result
- Principal and interest. The bar under the instalment shows how much of the total you repay is the money you borrowed and how much is interest. Over 30 years, interest often exceeds half of the loan amount.
- Loan term. A longer term lowers the instalment but raises the cost. The comparison below the result shows the difference in złoty. You can also overpay the loan later to shorten it.
- LTV. The loan amount divided by the property value. Up to 80%, most banks give standard terms. Above that, they usually want extra security. If the bank's valuation comes out lower than the price, the LTV goes up.
- Instalment at +2.5 pp. Shows how the instalment changes if the interest rate rises. With a fixed rate, this applies only after the fixed period ends.
What is different for foreigners
- The loan is in złoty. Polish banks lend for homes in PLN and expect income in PLN, usually from work in Poland. If you earn in another currency, ask us first: only some banks accept it.
- Down payment. 20% is the standard. Some banks ask foreigners for more, especially with a temporary residence card, so it is worth checking the instalment for a 30% down payment too.
- Interest rate. Polish mortgages are either variable (bank margin plus a reference rate, WIBOR until its successor POLSTR takes over) or fixed for 5–10 years and then variable. Enter the rate from the offer as one number.
- Term. Polish banks lend for up to 35 years. With a residence card, some banks also look at how long the card is valid.
How we calculate
An equal instalment uses the annuity formula: loan amount × r ÷ (1 − (1 + r)−n), where r is the annual rate divided by 12 and n is the number of months. With decreasing instalments you repay 1/n of the principal each month, and interest is charged on the remaining balance. The loan amount is the price minus the down payment, or the amount you enter directly. If you enter a fee, we add it to the total amount to repay as a one-off cost.
Frequently asked questions
Is the result a bank offer?
No. It is a simulation based on the figures you enter. The bank sets the interest rate after looking at your income, residence status, down payment and the property, and insurance may be added to the instalment. We can prepare real instalments from several banks in a free review.
What interest rate should I enter?
We start with the lowest rate from current representative examples of Polish banks. If you have an offer, enter the rate from it or from the bank's information form. If you do not have an offer yet, try a few rates 1 percentage point apart.
What is the difference between equal and decreasing instalments?
An equal instalment stays the same for the whole term, only the split between principal and interest changes. A decreasing instalment is higher at the start, because you repay the same principal every month and interest is charged on a smaller and smaller balance. Decreasing instalments cost less overall but need higher income at the start.
Why does the calculator show the instalment at a rate 2.5 points higher?
Polish banks add this buffer when they check how much you can borrow, following the supervisor's recommendation (the minimum for loans with a rate fixed for at least 5 years). We show it so you know how the instalment behaves in a worse scenario and how the bank looks at it.
Can a foreigner get a mortgage in Poland?
Yes. Most Polish banks lend to foreigners with a residence card or EU registration, a PESEL number and income in złoty. The rules differ between banks, which is why choosing the right bank matters. See our guide to mortgages for foreigners.
Does using the calculator affect my credit history?
No. The calculator runs in your browser, does not send your figures anywhere and does not check any database. The bank checks BIK only after you apply.
This guide describes general rules and typical bank practice as of October 2026. It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.