Poland Mortgage Calculator

Summary

Enter your property value, loan amount, WIBOR rate, bank margin, and term to get the monthly payment, amortization schedule, and an RRSO representative-rate estimate for a Polish mortgage.

How it works

1. Enter the property value and the loan amount to establish the loan-to-value ratio.
2. Enter the current WIBOR reference rate and the bank margin charged on top of it.
3. Enter the loan term in years and choose equal installments or decreasing installments.
4. Optionally enter a one-time arrangement fee (commission), which is factored into the RRSO estimate.
5. The calculator builds a full monthly schedule, then aggregates it into a year-by-year interest, principal, and balance breakdown.
6. The RRSO estimate solves for the effective annual rate implied by the net amount financed after the arrangement fee, not just the nominal WIBOR-plus-margin rate.

Use cases

• Estimating the monthly cost of a WIBOR-based variable-rate mortgage before applying.
• Comparing the payment pattern of equal installments against decreasing installments on the same loan.
• Seeing how a higher or lower bank margin changes the total interest paid over the loan term.
• Checking how an arrangement fee affects the RRSO compared to the nominal interest rate.
• Planning a household budget around the first-year monthly payment and the declining balance.
• Understanding how much of an early payment goes to interest versus principal under each installment type.

Frequently Asked Questions