A 800 000 zł mortgage over 25 years at 5,70% costs about 4 859–5 159 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 | 6 423–6 821 zł | 380 181–403 697 zł | 1 156 181–1 227 697 zł |
| 20 lat | 5 426–5 762 zł | 526 250–558 802 zł | 1 302 250–1 382 802 zł |
| 25 lat | 4 859–5 159 zł | 681 534–723 690 zł | 1 457 534–1 547 690 zł |
| 30 lat | 4 504–4 782 zł | 845 406–897 700 zł | 1 621 406–1 721 700 zł |
With a payment of 4 859–5 159 zł, the first instalment splits into 3 686–3 914 zł of interest and 1 173–1 245 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 1 457 534–1 547 690 zł, of which 681 534–723 690 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 4 859–5 159 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.
