Mortgage calculator
Calculate installment, total loan cost and repayment schedule
How does the mortgage calculator work and how to read the result?
The calculator calculates an estimated loan installment based on the amount, repayment period, interest rate, and type of installments. The result shows the monthly installment, total amount to be repaid, interest cost, and repayment schedule. The interest rate and loan period have the greatest impact on the installment. A longer period usually lowers the monthly installment but increases the total cost of the loan. Remember that the result is illustrative — the actual installment may vary depending on the bank's offer, commissions, insurance, and additional fees.
Calculating the installment
Based on amount, period, interest rate, and type of installments.
Showing the cost
We break down the repayment into capital, interest, and remaining debt.
Comparing variants
You can check how changing the period or interest rate affects the installment.
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Frequently Asked Questions (FAQ)
To receive a 800 000,00 zł loan, banks typically require adequate creditworthiness. With a payment of about 5154,41 zł per month, household income should be significantly higher to cover not only the payment but also living costs and other obligations.
With higher loan amounts such as 800 000,00 zł, the risk associated with variable interest rates increases. It's worth considering a periodically fixed interest rate to protect yourself against an increase in the 5154,41 zł payment.
A longer repayment period, e.g., 25 years, allows you to lower the monthly payment to 5154,41 zł, which increases your current financial liquidity. However, remember that the total interest cost will be higher than with a shorter period.
Yes, a 800 000,00 zł loan can be transferred to another bank if it offers better terms (lower APR or margin). Refinancing allows you to lower the monthly payment or shorten the repayment period.
Submitting applications in many banks at once generates inquiries in BIK, which can lower your scoring. It is safest to use the help of a credit expert who, based on your parameters, will select 2-3 banks best suited to your situation, minimizing the number of inquiries and protecting your creditworthiness.