A 700 000 zł mortgage over 25 years at 5,70% costs about 4 252–4 514 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 | 5 620–5 968 zł | 332 658–353 234 zł | 1 011 658–1 074 234 zł |
| 20 lat | 4 748–5 042 zł | 460 469–488 951 zł | 1 139 469–1 209 951 zł |
| 25 lat | 4 252–4 514 zł | 596 342–633 230 zł | 1 275 342–1 354 230 zł |
| 30 lat | 3 941–4 185 zł | 739 731–785 487 zł | 1 418 731–1 506 487 zł |
With a payment of 4 252–4 514 zł, the first instalment splits into 3 225–3 425 zł of interest and 1 026–1 090 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 1 275 342–1 354 230 zł, of which 596 342–633 230 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 4 252–4 514 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.
