A 900 000 zł mortgage over 25 years at 5,70% costs about 5 466–5 804 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 | 7 227–7 674 zł | 427 703–454 159 zł | 1 300 703–1 381 159 zł |
| 20 lat | 6 104–6 482 zł | 592 031–628 651 zł | 1 465 031–1 555 651 zł |
| 25 lat | 5 466–5 804 zł | 766 726–814 152 zł | 1 639 726–1 741 152 zł |
| 30 lat | 5 067–5 381 zł | 951 082–1 009 912 zł | 1 824 082–1 936 912 zł |
With a payment of 5 466–5 804 zł, the first instalment splits into 4 147–4 403 zł of interest and 1 319–1 401 zł of principal. With every instalment the share of principal grows. The total cost of the loan is 1 639 726–1 741 152 zł, of which 766 726–814 152 zł is interest. Overpaying or refinancing can cut that cost substantially.
Over 25 years at 5,70% it is about 5 466–5 804 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.
