Polish Mortgage Calculator 2026
Calculate Polish mortgage payments, RRSO and total cost for 2026. Includes WIBOR + marza, bank fees and a +2% stress test.
How the Polish Mortgage Calculator works
Enter property value, down payment, WIBOR and bank margin - the calculator returns your monthly payment, RRSO (APR), full repayment cost and a +2% rate stress-test scenario.
Loan Parameters
Indicative WIBOR 3M (2026-03-19):3.83%
Total rate:5.83%
Enter loan details and click Calculate
Glossary entries worth checking before comparing offers
These quick definitions help with the terms that most often decide whether a Polish mortgage offer really looks good.
What RRSO means on a Polish mortgage offer
->Open the glossary entry for the real annual cost of credit before you compare banks.
How WIBOR changes your monthly mortgage payment
->Review the reference rate behind most variable-rate mortgages in Poland.
Bank marza explained in simple terms
->See how the fixed bank margin works and why it matters alongside WIBOR and fees.
Polish Mortgage Calculator FAQ
How much is a mortgage payment in Poland in 2026?
Polish mortgages typically use the annuity (równe raty) formula: M = P × r(1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly rate (annual rate ÷ 12), and n is the number of months. The result is a fixed monthly capital+interest payment.
What is RRSO and why does it matter?
RRSO (Rzeczywista Roczna Stopa Oprocentowania) is the APR (Annual Percentage Rate). It includes not just interest, but also mandatory costs like bank fees and insurance. By law, Polish banks must show RRSO. Use it to compare the real cost of different offers.
What is WIBOR and how does it affect my mortgage?
WIBOR (Warsaw Interbank Offered Rate) is the reference interest rate used in Poland for variable-rate mortgages. Most Polish mortgages use WIBOR 3M or 6M, which are updated quarterly or semi-annually. Your actual rate = WIBOR + bank margin (marża). When WIBOR rises, your monthly payment increases.
What is marża (bank margin)?
Marża is the fixed spread your bank adds on top of WIBOR. While WIBOR changes, marża usually stays the same for the whole loan unless the contract terms are broken. In Poland it is often around 1.5% to 2.5%. When comparing banks, look closely at marża, not just the headline rate.
How much down payment is required for a mortgage in Poland?
Polish banks typically require a minimum 20% down payment (wkład własny). A 10% down payment is allowed but requires mandatory insurance (ubezpieczenie niskiego wkładu), which increases your costs. Having 20%+ gives you better rate negotiations.
Should I choose a fixed or variable rate mortgage in Poland?
Fixed rate buys you predictability. Variable rate can start cheaper, but you carry the risk if WIBOR moves up. Many borrowers learned the hard way in 2022 that the cheaper option on day one is not always the calmer option two years later.
What is prowizja (bank commission)?
Prowizja is a one-time bank origination fee, typically 0-2% of the loan amount. Some banks offer 0% prowizja in exchange for a higher margin. Always calculate the total cost (RRSO) instead of comparing fees on their own.
How does a +2% rate increase affect my mortgage?
It is there to answer a simple question: can you still live with this loan if rates rise again? The +2% scenario is not a prediction. It is a quick way to see whether the payment stays manageable outside the optimistic case.
Does overpaying my mortgage (nadpłata) save money?
Yes. Extra payments go directly toward the principal, which reduces the remaining balance and total interest. You can usually choose between shortening the loan term (keeping the same instalment) or lowering future instalments (keeping the same term). Shortening the term saves more in total interest. Check your contract for any nadpłata fees - most Polish banks allow it free of charge after the first few years.