A 450 000 zł mortgage over 25 years at 5,70% costs about 2 732–2 902 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 | 3 613–3 837 zł | 213 851–227 079 zł | 650 351–690 579 zł |
| 20 lat | 3 053–3 241 zł | 296 016–314 326 zł | 732 516–777 826 zł |
| 25 lat | 2 732–2 902 zł | 383 362–407 076 zł | 819 862–870 576 zł |
| 30 lat | 2 534–2 690 zł | 475 542–504 956 zł | 912 042–968 456 zł |
With a payment of 2 732–2 902 zł, the first instalment splits into 2 074–2 202 zł of interest and 659–699 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 819 862–870 576 zł, of which 383 362–407 076 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 2 732–2 902 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.
