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Poland · PLN

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HomeCalc

Mortgage calculator for Poland

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Poland

HomeCalc has no data on fees, taxes or lending limits in Poland. The loan maths and PLN formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

PLN
PLN
20% of the price · Loan PLN 680,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
PLN
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

PLN 5,478.03

Poland · PLN · Basic: fees entered by you

Highest payment
PLN 5,480.04
Total interest
PLN 634,729.21
Total paidPrincipal plus interest
PLN 1,314,729.21

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Poland: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Poland. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of PLN. Lenders in Poland may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at PLN 5,478.03. Exact figures are in the schedule table.Year 1: interest PLN 50,482.72, principal PLN 15,253.64Year 2: interest PLN 49,298.56, principal PLN 16,437.80Year 3: interest PLN 48,022.45, principal PLN 17,713.91Year 4: interest PLN 46,647.28, principal PLN 19,089.08Year 5: interest PLN 45,165.34, principal PLN 20,571.02Year 6: interest PLN 43,568.36, principal PLN 22,168.00Year 7: interest PLN 41,847.39, principal PLN 23,888.97Year 8: interest PLN 39,992.82, principal PLN 25,743.54Year 9: interest PLN 37,994.29, principal PLN 27,742.07Year 10: interest PLN 35,840.60, principal PLN 29,895.76Year 11: interest PLN 33,519.73, principal PLN 32,216.63Year 12: interest PLN 31,018.65, principal PLN 34,717.71Year 13: interest PLN 28,323.42, principal PLN 37,412.94Year 14: interest PLN 25,418.94, principal PLN 40,317.42Year 15: interest PLN 22,289.02, principal PLN 43,447.34Year 16: interest PLN 18,916.09, principal PLN 46,820.27Year 17: interest PLN 15,281.31, principal PLN 50,455.05Year 18: interest PLN 11,364.34, principal PLN 54,372.02Year 19: interest PLN 7,143.31, principal PLN 58,593.05Year 20: interest PLN 2,594.59, principal PLN 63,143.78per yearper month20,00040,00060,00080,0002,0004,0006,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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