There are two ways to lower the margin: negotiate an annex with your current bank, or refinance with a bank offering a lower margin. A lower margin cuts the payment for the whole remaining term. Work out the effect below.
A rough estimate. We prepare the full analysis — transfer costs and bank offers — from your actual loan agreement.
An annex with your current bank is often quicker and cheaper, but the bank does not always come down on the margin. Refinancing opens up the lowest margins on the market, but brings the cost of moving.
Sometimes, especially when you have a good repayment history and a competitive offer from another bank to point to.
On a balance of 400,000 zł it is usually several hundred zł less per month — check it on the calculator.
The Lendean team · Mortgage advisers
Sources: NBP, GPW Benchmark (WIBOR), KNF, the Mortgage Credit Act. Educational material; not investment or legal advice.
Aktualizacja danych: 2026-08-31.
