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Loan calculators

A mortgage or personal loan is a multi-year commitment, so before signing it is worth comparing annuity and decreasing payment schedules, benchmarking offers by APR, and assessing your creditworthiness. The variable WIBOR rate affects your monthly instalment — factor this into your budget. Loan overpayment is one of the most effective ways to cut total interest costs. Pick a calculator below.

Loans in Poland 2026

When taking a loan in Poland you face a fundamental choice between annuity (equal) and decreasing instalments. With annuity payments the monthly amount is fixed throughout the repayment period, though the split between interest and principal shifts over time in favour of principal. Decreasing instalments start higher but cost less in total because capital is repaid faster and less interest accrues. APR (Annual Percentage Rate, called RRSO in Poland) is the most reliable comparison metric — it captures the nominal interest rate, origination fee and mandatory insurance in a single annual percentage. Always compare APR across lenders rather than the nominal rate alone, since banks are legally required to disclose it. Creditworthiness depends on net income, existing debt obligations, the bank's DTI (debt-to-income) ratio, BIK credit history and employment stability. Most Polish banks cap total instalments at 40–50% of net income. WIBOR (Warsaw Interbank Offered Rate) — or its successor WIRON — is the reference rate underpinning variable-rate loans. When central-bank rates rise, WIBOR rises and so does your instalment; our WIBOR simulation calculator lets you stress-test your budget against rate changes. Loan overpayment reduces the outstanding principal on which interest is charged. Our calculators let you compare two overpayment strategies: shortening the loan term or reducing the monthly instalment. Use the tools below to make informed borrowing decisions.

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Frequently asked questions

How do I calculate a mortgage payment?

Annuity formula: R = P × r × (1+r)^n / ((1+r)^n − 1). Use the calculator above.

What is APR (RRSO)?

APR (Annual Percentage Rate) — the total cost of a loan as an annual %, including interest, fees and insurance.

What affects creditworthiness?

Net income, existing obligations, bank DTI ratio, age, BIK credit history and employment length.

Yes — overpayment reduces the interest base. Check the contract terms.

Equal (annuity) instalments are fixed; decreasing ones start higher but are cheaper in total.

A reference rate for variable-rate loans. When rates rise, the instalment rises — factor this into your budget.

Typically max instalment ≤ 40–50% of net income. Use the creditworthiness calculator.

Interest, origination fee, mandatory insurance. Excluded: late-payment fees, early-repayment penalties.

Loan-to-Value — the ratio of the loan to the property value. Banks typically require 10–20% deposit.

No — results are indicative. A bank offer requires a full application with documentation.