Mortgage repayment calculator in Poland

Enter the loan amount, term and nominal annual interest rate. In property-price mode, the calculator subtracts your deposit from the price to work out the loan amount.

A property priced at 800,000 PLN with a 200,000 PLN deposit gives a calculated loan amount of 600,000 PLN. This is arithmetic, not confirmation that a lender will accept that deposit or approve the loan.

Change one input at a time to see how the term, rate or deposit affects repayments and interest. Use loan-amount mode when you already know how much you intend to borrow.

The model uses equal monthly repayments. With an unchanged interest rate, the payment stays the same while the balance between principal and interest changes. To compare scenarios, the rate is held constant throughout the chosen term.

Total repayments are the sum of the modelled payments. Total interest is that sum minus the original loan. Fees, insurance, valuation and other costs are excluded, so this is not the complete cost of a specific mortgage offer.

Intermediate values are not rounded to the displayed number of decimal places. On screen, amounts are rounded to two decimal places. A lender schedule can differ because of payment dates, interest conventions, rounding and contract terms.

Enter the nominal annual interest rate from the lender offer, not RRSO. The nominal rate is used here to calculate interest and repayments.

RRSO is the Polish annual percentage rate of charge. It includes other borrowing costs within that measure and can help compare offers. It is not the interest input used by this repayment formula.

The starting value of 6.5% is illustrative, not a current lender offer. If a rate is fixed only for an initial period, this full-term calculation does not predict the rate after that period ends.

For the same loan and a positive unchanged interest rate, a longer term lowers monthly repayments but increases total interest. Compare both figures rather than selecting the lowest monthly number alone.

The table compares 20, 25 and 30 years using your current inputs. A different selected term is included too. Choosing a row changes the term, not the loan amount or rate.

For an illustrative 600,000 PLN loan at 6.5%, the payment is about 4,473 PLN over 20 years and 3,792 PLN over 30 years. That is around 681 PLN less per month but approximately 292,000 PLN more interest over the longer term. This is not a lender offer.

Your deposit is the part of the purchase price paid from your own funds, known in Polish as wkład własny. Here it means your contribution towards the price, not a separate reservation payment. A larger deposit reduces the loan for the same property price.

Separate the money for the purchase price from the budget for transaction costs and your own reserve. Not all savings need to be committed to the deposit.

The calculator accepts low or zero deposits for modelling purposes. That does not confirm lender acceptance. Lending requirements and any relevant support programme must be checked separately.

This calculator asks what the repayment would be for a given loan, rate and term. A borrowing-capacity assessment asks what a lender might consider based on income, commitments and other circumstances.

A payment you consider affordable does not establish approval. Equally, the largest amount a lender might offer need not match the budget you are comfortable with.

A borrowing-capacity estimate provides an initial guide. The mortgage profile gathers information for an individual discussion. These are distinct steps, not interchangeable calculators.

The property price, loan amount and cash you need for the purchase are different figures. The deposit is only part of your own purchase budget.

Depending on the transaction and lender offer, costs can include taxes, notarial and registration charges, valuation, lender fees and insurance. There is no single amount that accurately applies to every purchase.

This repayment tool does not determine tax exemptions or notarial charges. Use the separate purchase-cost tool to build the wider budget and check the assumptions behind each cost.

The repayment formula is the same for an international buyer. Lender assessment is separate and may involve residence and income documents, where you live and work, and how income can be evidenced.

Citizens of the EU/EEA and Switzerland are exempt from the MSWiA acquisition-permit requirement. That exemption does not remove other rules that may affect a purchase, such as agricultural-land restrictions.

For other nationalities, a standalone residential unit outside the border area is covered by a statutory exemption. A house, land or separately acquired property rights require a transaction-specific check of the applicable rules and exemptions.

A share in common property attached to a flat must not be confused with a separately acquired share in a road or another plot. You can calculate a payment first and review these transaction questions with an adviser afterwards.