A 600 000 zł mortgage over 25 years at 5,70% costs about 3 644–3 870 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 | 4 817–5 115 zł | 285 135–302 773 zł | 867 135–920 773 zł |
| 20 lat | 4 069–4 321 zł | 394 687–419 101 zł | 976 687–1 037 101 zł |
| 25 lat | 3 644–3 870 zł | 511 150–542 768 zł | 1 093 150–1 160 768 zł |
| 30 lat | 3 378–3 586 zł | 634 055–673 275 zł | 1 216 055–1 291 275 zł |
With a payment of 3 644–3 870 zł, the first instalment splits into 2 765–2 936 zł of interest and 880–934 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 1 093 150–1 160 768 zł, of which 511 150–542 768 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 3 644–3 870 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.
