Mortgage Calculator — July 2026
A PLN 480,000 mortgage at 7.5% over 25 years costs about PLN 3,546 per month with equal installments, with total interest of PLN 583k. With decreasing installments: first installment PLN 4,600, last PLN 1,610, total interest PLN 453k — PLN 130k cheaper. The kreddo.pl calculator shows LTV (loan-to-value) which determines the bank margin: LTV ≤ 80% gets the best rates.
Calculate installment, total interest and LTV. Compare equal vs decreasing installments.
First installment
PLN 3,547
- Last installment
- PLN 3,547
- Total interest
- PLN 584,147
- Total cost
- PLN 1,064,147
Repayment schedule (excerpt)
| Month | Installment | Interest | Principal | Remaining |
|---|---|---|---|---|
| 1 | PLN 3,547 | PLN 3,000 | PLN 547 | PLN 479,453 |
| 2 | PLN 3,547 | PLN 2,997 | PLN 551 | PLN 478,902 |
| 3 | PLN 3,547 | PLN 2,993 | PLN 554 | PLN 478,348 |
| 4 | PLN 3,547 | PLN 2,990 | PLN 557 | PLN 477,791 |
| 5 | PLN 3,547 | PLN 2,986 | PLN 561 | PLN 477,230 |
| 6 | PLN 3,547 | PLN 2,983 | PLN 564 | PLN 476,665 |
| 7 | PLN 3,547 | PLN 2,979 | PLN 568 | PLN 476,097 |
| 8 | PLN 3,547 | PLN 2,976 | PLN 572 | PLN 475,526 |
| 9 | PLN 3,547 | PLN 2,972 | PLN 575 | PLN 474,951 |
| 10 | PLN 3,547 | PLN 2,968 | PLN 579 | PLN 474,372 |
| 11 | PLN 3,547 | PLN 2,965 | PLN 582 | PLN 473,790 |
| 12 | PLN 3,547 | PLN 2,961 | PLN 586 | PLN 473,204 |
| … | … | … | … | … |
| 300 | PLN 3,547 | PLN 22 | PLN 3,525 | PLN 0 |
Frequently asked questions
What is the installment on a PLN 500,000 mortgage over 25 years?
At 7.5% interest with equal installments, the monthly payment is about PLN 3,693. With decreasing installments, the first is about PLN 4,792 and the last PLN 1,677. Total interest: ~PLN 608k (equal) vs ~PLN 472k (decreasing).
Equal vs decreasing installments — which is better?
Decreasing installments cost less in total interest (often PLN 100k+ savings on a mortgage), but require higher borrowing capacity because the first installment is 25–30% higher. Equal installments are easier on the budget, especially early on. Around 90% of borrowers choose equal installments.
How much down payment do you need?
The minimum is 10% of the property value, but banks require extra low-down-payment insurance for LTV above 80%. The recommended down payment is 20% — LTV ≤ 80% gets the best terms. The Rodzinny Kredyt Mieszkaniowy programme allows 0% down payment with BGK subsidy.
What is LTV and why does it matter?
LTV (Loan to Value) is the loan divided by the property value. LTV ≤ 80% = best terms. LTV 80–90% = higher margin + low-down-payment insurance. LTV > 90% = rare, usually only via BGK or extra collateral.
