A 300 000 zł mortgage over 25 years at 5,70% costs about 1 822–1 934 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 | 2 409–2 557 zł | 142 568–151 386 zł | 433 568–460 386 zł |
| 20 lat | 2 035–2 161 zł | 197 344–209 550 zł | 488 344–518 550 zł |
| 25 lat | 1 822–1 934 zł | 255 576–271 384 zł | 546 576–580 384 zł |
| 30 lat | 1 689–1 793 zł | 317 027–336 637 zł | 608 027–645 637 zł |
With a payment of 1 822–1 934 zł, the first instalment splits into 1 382–1 468 zł of interest and 439–467 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 546 576–580 384 zł, of which 255 576–271 384 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 1 822–1 934 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.
