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Mortgage payment calculator

Equal or decreasing instalments, total interest, and how the payment changes when rates go up.

Mortgage calculator

PLN
%

Banks usually ask foreigners for a 30–40% down payment.

= PLN 140,000

%

Indicative, November 2026

years
How we calculate

Equal instalments: K·r / (1 − (1 + r)^−n), where K is the loan, r the monthly rate and n the number of payments. Decreasing: K/n plus interest on the remaining principal.

Monthly payment

3,540PLN

Loan amount
PLN 560,000
Total interest
PLN 714,249
Total to repay
PLN 1,274,249

If the rate rises by 2.5 percentage points, the payment will be PLN 4,506.

An estimate, not a loan offer: excludes fees, insurance and APR. The bank sets the terms and makes the decision.

The result is saved in the page address: copy the link to share it.

How we calculate

The formulas the calculator uses. Nothing is hidden.

  1. Equal instalments: K · r / (1 − (1 + r)^−n), where K is the loan, r the monthly rate (annual / 12) and n the number of payments.
  2. Decreasing instalments: K / n of principal plus interest on the remaining principal; the first payment is the highest.
  3. Rate test: the same formula at a rate 2.5 points higher, the way banks check affordability.

Assumptions

Every number the calculator assumes for you, with the date it was checked and its source.

  • Indicative interest rate6.5%As of illustrative value

    M² Homes indicative average for a floating-rate PLN mortgage, updated monthly. Your bank's offer decides.

  • Interest-rate buffer (stress test)2.5 ppAs of sourceNeeds legal or tax review

    KNF Recommendation S / UKNF position of 7 Feb 2023: minimum 2.5 pp for floating-rate loans (KNF resolution of 19 Jun 2023); lower is allowed only for loans fixed 5+ years; banks may add more. Secondary sources only, KNF text not fetched.

  • Minimum own contribution10%As of sourceNeeds legal or tax review

    Standard is 20% (LTV 80%); 10% is possible only with insurance of the part above LTV 80% (up to LTV 90%). Bank policy and Recommendation S, secondary source from 2023.

Not advice

The calculator shows an estimate on the stated assumptions. It is not a loan offer, nor financial, legal or tax advice. The bank, the notary and the tax office set the final amounts.

What next

Take the result where it is useful.

Apartments up to PLN 700,000Check your borrowing capacityWork out the buying costsWork out the rental yieldPrices by districtBuying step by step
Questions

How to read it? Questions about this calculator

Can a foreigner get a mortgage in Poland?

Yes. With a steady income in Poland and legal residence, banks lend to foreigners. They often ask for a larger down payment, usually 20–40%, and take longer over the documents.

Equal or decreasing instalments?

Equal instalments are lower at the start; decreasing ones cost less interest overall. With decreasing instalments the bank tests affordability on the first, highest payment.

Is the calculator's payment the bank's payment?

Not exactly. It leaves out fees, insurance and a specific bank's margin. Treat the result as an order of magnitude before you talk to a bank.

A result is where the conversation starts

Tell us what you got and we will show apartments that fit, plus what a calculator cannot see.

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We reply in Polish, Ukrainian, Russian and English, usually within one working day.

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  • Know-how

    Explainers: costs, taxes, mortgages for foreigners, developer risk, buyer rights.

  • Questions & answers

    Short answers to what buyers ask most, grouped by topic.

  • Investor notes

    Renting, yield, taxes and risk: looking at a flat as an investment.

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