A 500 000 zł mortgage over 25 years at 5,70% costs about 3 036–3 224 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 | 4 015–4 263 zł | 237 613–252 311 zł | 722 613–767 311 zł |
| 20 lat | 3 391–3 601 zł | 328 907–349 251 zł | 813 907–864 251 zł |
| 25 lat | 3 036–3 224 zł | 425 959–452 307 zł | 910 959–967 307 zł |
| 30 lat | 2 815–2 989 zł | 528 379–561 063 zł | 1 013 379–1 076 063 zł |
With a payment of 3 036–3 224 zł, the first instalment splits into 2 304–2 446 zł of interest and 732–778 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 910 959–967 307 zł, of which 425 959–452 307 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 3 036–3 224 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.
