A 1 000 000 zł mortgage over 25 years at 5,70% costs about 6 073–6 449 zł a month. The full table of payments across terms, and the total cost, is below.
| Term | Monthly payment | Total interest | Total cost |
|---|---|---|---|
| 15 lat | 8 029–8 525 zł | 475 225–504 621 zł | 1 445 225–1 534 621 zł |
| 20 lat | 6 782–7 202 zł | 657 812–698 502 zł | 1 627 812–1 728 502 zł |
| 25 lat | 6 073–6 449 zł | 851 917–904 613 zł | 1 821 917–1 934 613 zł |
| 30 lat | 5 630–5 978 zł | 1 056 759–1 122 125 zł | 2 026 759–2 152 125 zł |
With a payment of 6 073–6 449 zł, the first instalment splits into 4 608–4 893 zł of interest and 1 466–1 556 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 1 821 917–1 934 613 zł, of which 851 917–904 613 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 6 073–6 449 zł a month. The payment depends on the term, the rate and the type of instalments.
The loan amount, the interest rate (the benchmark — WIBOR or POLSTR — plus the bank’s margin), the term, and the type of instalments (equal or decreasing).
A longer term, overpaying the principal, or refinancing with a bank offering a lower margin. Use our calculators.
That depends on your creditworthiness. Check it free of charge on the Lendean platform.
Zespół Lendean · Doradcy kredytowi
Sources: GPW Benchmark (WIBOR) · NBP. Indicative calculations; not an offer or advice.
Data updated: 2026-08-31.
