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)
An interest rate of 6,00% depends on the market situation, including interest rate levels and the bank's margin. Even a small change in the interest rate can significantly affect the payment of a 500 000,00 zł loan.
The mortgage payment for 500 000,00 zł can be lower if you: extend the loan term (e.g., beyond 20 years), increase your down payment, use a lower interest rate, make overpayments during repayment.
A shorter loan term (20 years) means the principal must be repaid in fewer installments. Although the monthly payment is higher, the total interest cost drops drastically, making the loan cheaper overall.
Yes, most mortgages can be overpaid. Overpaying a 500 000,00 zł loan allows you to reduce the total interest cost and shorten the repayment period. The effect depends on the overpayment amount and timing.
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.