A 250 000 zł mortgage over 25 years at 5,70% costs about 1 518–1 612 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 | 2 007–2 131 zł | 118 807–126 155 zł | 361 307–383 655 zł |
| 20 lat | 1 696–1 800 zł | 164 453–174 625 zł | 406 953–432 125 zł |
| 25 lat | 1 518–1 612 zł | 212 979–226 153 zł | 455 479–483 653 zł |
| 30 lat | 1 407–1 495 zł | 264 189–280 531 zł | 506 689–538 031 zł |
With a payment of 1 518–1 612 zł, the first instalment splits into 1 152–1 224 zł of interest and 366–388 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 455 479–483 653 zł, of which 212 979–226 153 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 1 518–1 612 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.
