Mortgage calculator for Poland
Rates that move with the reference rate and a market historically dominated by variable pricing, alongside periodic state schemes aimed at first-time buyers.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
How this market works
| Currency | PLN zł |
|---|---|
| Typical rate (annual) | 7.4 % |
| Term | 25 years typical · up to 35 |
| Typical deposit | 20 % |
| Purchase costs | Property transfer tax 2%, Notary fees 1%, Arrangement fee 1.5%, Valuation 0.15% |
| Official sources | Narodowy Bank Polski — interest rates · UOKiK — consumer protection |
The starting figures are indicative values for this market, not an offer or a quote. Change any of them — the calculation updates as you type, and nothing you enter leaves your browser.
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