A 400 000 zł mortgage over 25 years at 5,70% costs about 2 429–2 579 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 | 3 212–3 410 zł | 190 090–201 848 zł | 578 090–613 848 zł |
| 20 lat | 2 713–2 881 zł | 263 125–279 401 zł | 651 125–691 401 zł |
| 25 lat | 2 429–2 579 zł | 340 767–361 845 zł | 728 767–773 845 zł |
| 30 lat | 2 252–2 392 zł | 422 704–448 850 zł | 810 704–860 850 zł |
With a payment of 2 429–2 579 zł, the first instalment splits into 1 843–1 957 zł of interest and 586–622 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 728 767–773 845 zł, of which 340 767–361 845 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 2 429–2 579 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.
