A 350 000 zł mortgage over 25 years at 5,70% costs about 2 125–2 257 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 | 2 810–2 984 zł | 166 329–176 617 zł | 505 829–537 117 zł |
| 20 lat | 2 374–2 520 zł | 230 234–244 476 zł | 569 734–604 976 zł |
| 25 lat | 2 125–2 257 zł | 298 171–316 615 zł | 637 671–677 115 zł |
| 30 lat | 1 970–2 092 zł | 369 866–392 744 zł | 709 366–753 244 zł |
With a payment of 2 125–2 257 zł, the first instalment splits into 1 613–1 713 zł of interest and 512–544 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 637 671–677 115 zł, of which 298 171–316 615 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 2 125–2 257 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.
