A 200 000 zł mortgage over 25 years at 5,70% costs about 1 214–1 290 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 | 1 605–1 705 zł | 95 045–100 925 zł | 289 045–306 925 zł |
| 20 lat | 1 356–1 440 zł | 131 562–139 700 zł | 325 562–345 700 zł |
| 25 lat | 1 214–1 290 zł | 170 383–180 923 zł | 364 383–386 923 zł |
| 30 lat | 1 126–1 196 zł | 211 351–224 425 zł | 405 351–430 425 zł |
With a payment of 1 214–1 290 zł, the first instalment splits into 922–979 zł of interest and 293–311 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 364 383–386 923 zł, of which 170 383–180 923 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 1 214–1 290 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.
