Showing Poland because that’s where you are.
Poland 💰 PLN Last updated2026-05-28 Kredyt hipoteczny Calculator
Poland
A PLN 500,000 kredyt hipoteczny at 7.2% over a 25-year term works out to a monthly payment of about 3598 zł, with total interest of 579 383 zł over the full term.
Mortgage Calculator
CFP® with 12+ years in mortgage & retirement planning.
Local context Kredyt hipotecznys in Poland
Market overview
Poland's mortgage market is led by PKO BP, Bank Pekao, mBank, Santander Bank Polska, and ING Bank Śląski. Most new mortgages are variable WIBOR/WIRON-linked, although the Komisja Nadzoru Finansowego is pushing for more 5-year fixed-rate originations. The 2023-launched Bezpieczny Kredyt 2% program subsidized first-time buyer rates and was credited with adding 12-15% to apartment prices in major cities.
Why 7.2% is the typical rate
7.2% reflects a typical 5-year fixed mortgage rate at 80% LTV in early 2026, after NBP cut its reference rate from 5.75% to 4.75% during 2025. Variable WIBOR-linked rates trade ~30 bps below this for prime borrowers.
Tax & regulatory notes
Poland has no mortgage interest tax deduction for new loans (the program was closed in 2007 and grandfathered loans phased out by 2027). PCC (tax on civil law transactions) of 2% applies to resale homes; new-build purchases from a developer pay 8% or 23% VAT (depending on property type). Property tax (podatek od nieruchomości) is modest — typically PLN 800-1,500/year per apartment.
A PLN 500,000 kredyt hipoteczny at 7.2% over a 25-year term
500 000 zł 7.2% 25 years (300 months) 3598 zł 579 383 zł 1 079 383 zł 
