Mortgage Calculator in Poland

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High amount

Kredty

Loan amount PLN 100 – PLN 150,000

Interest from 10.95%

Min. age 21 years

Duration 0–60 months

Payout Varies

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Representative example: Repayment period: 12-42 months. Minimum APR: 10.95%. Maximum APR: 24.15%. Example: PLN 1,000 for 25 months. APR: 24.51%. Total amount to be repaid: PLN 1,237.80.

High amount

Smartney grupa Oney Bank copy

Loan amount PLN 1,000 – PLN 150,000

Interest from 12.5%

Min. age 21 years

Duration 6–120 months

Payout Varies

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"Attractive" Offer The "Attractive" product offer is valid starting May 22, 2024. and applies to loans ranging from 81,000 PLN to 150,000 PLN, with terms of 98 to 120 months, applied for via the website www.smartney.pl. Representative example for the “Attractive” loan: The Annual Percentage Rate (APR) is 17.37%, the total loan amount (excluding financed costs) is 108,357.37 PLN, the total amount to be paid is 208,344.71 PLN, the variable interest rate is 15.00%, the total cost of the loan is 99,987.34 PLN (including: a commission of 4,386.08 PLN, interest of 95,601.26 PLN), 109 equal monthly installments of 1,891.68 PLN each, final adjustment installment of 2,151.59 PLN. Calculation as of July 3, 2025. I am also sending a representative example for the “Nowoczesna” offer, which has also been updated in case you plan to use it in any activities: “Nowoczesna” Offer Product Offer The “Nowoczesna” offer is valid as of October 9, 2019, and applies to loans ranging from 10,000 PLN to 80,000 PLN, taken out for a term of 72 to 96 months via the website www.smartney.pl. Representative example for the “Nowoczesna” loan: The Annual Percentage Rate (APR) is 22.51%, the total loan amount (excluding financed costs) is 29,699.83 PLN, the total amount to be paid is 55,451.86 PLN, the variable interest rate is 15.00%, the total cost of the loan is 25,752.03 PLN (including: a commission of 4,834.97 PLN, interest of 20,917.06 PLN), 81 equal monthly installments of 675.65 PLN each, and a final balancing installment of 724.21 PLN. Calculation as of July 3, 2025.

Provident

Loan amount PLN 1,000 – PLN 30,000

Interest from 29%

Min. age 18 years

Duration 12–48 months

Payout Varies

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The Self-Service Loan "naCoDzień" product offer has been available since January 14, 2026, and applies to online loans with a total loan amount ranging from PLN 1,000 to PLN 30,000, repayable in 12, 18, 24, 36, 44, or 48 monthly installments. The number of installments depends on the selected total loan amount. A positive credit assessment is required to grant the loan. The Annual Percentage Rate (APR) is 29%, total loan amount (without credited costs) PLN 9,300, total amount payable PLN 11,994.86, fixed interest rate 7%, total cost of the loan PLN 2,694.86 (including: commission PLN 1,887.88, arrangement fee PLN 40, flexible repayment plan fee PLN 0, interest PLN 766.98), 23 monthly equal installments of PLN 499.79 and the last, 24th installment of PLN 499.69. Calculation as of January 14, 2026 on a representative example loan for this loan. The amount of PLN 17 per day is a simulation resulting from dividing the total amount to be paid by the consumer by the number of days (the average number of days in a month is 30) falling within the repayment period of 24 months and rounding up to the nearest whole zloty.

Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.

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Kredty

Recommended: Kredty Borrow up to PLN 150,000 with interest rates from 10.95%.

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Securing a mortgage in Poland requires understanding the current market. For English-speaking expats, this involves comparing available financial products and understanding their terms. This page provides a tool and information to help you compare mortgage options in Poland.

When considering a mortgage, pay close attention to the Annual Percentage Rate (APR), which includes all costs associated with the loan, not just the interest rate. Also, evaluate the total repayment amount, the loan term, and any potential fees. Different lenders offer varying conditions, and a detailed comparison is essential for making an informed decision.

The Polish mortgage market has specific requirements for foreign nationals. Generally, lenders will assess your residency status, income sources, employment stability, and credit history. Some banks may require a larger down payment from non-Polish citizens compared to residents.

Key Factors in Polish Mortgages for Expats:

• Residency Status: Whether you have a permanent residency permit or a temporary one can influence loan eligibility and terms.
• Income Verification: Proof of stable income, often from a Polish employer or a verifiable international source, is crucial. Documentation requirements may vary.
• Credit History: Lenders will check your credit history, both in Poland and potentially internationally if records are available. A lack of Polish credit history may require a larger deposit.
• Down Payment: Expect to contribute a significant down payment, often 20-30% or more, especially if you are a new resident or do not have a strong Polish credit record.
• Currency: Mortgages in Poland are typically denominated in PLN. Expats need to consider currency exchange rate fluctuations if their income is in a different currency.
• Loan-to-Value (LTV) Ratio: This is the ratio of the loan amount to the property’s appraised value. Lenders set maximum LTVs, which affects the minimum down payment required.

Understanding Loan Terms:

Mortgage terms can vary significantly. Look for details on:

• Interest Rates: Understand if the rate is fixed for a period, variable, or based on an index like WIBOR (Warsaw Interbank Offered Rate). Variable rates mean your monthly payment can change.
• Loan Duration: Polish mortgages can extend from 15 to 30 years or more. Shorter terms mean higher monthly payments but less interest paid overall.
• Fees: Be aware of potential fees, including arrangement fees, appraisal fees, early repayment penalties, and insurance costs.
• Early Repayment: Check the conditions and potential charges for paying off your mortgage ahead of schedule. Polish law offers provisions for reducing or waiving early repayment fees under certain conditions, particularly after several years of the loan term.

The Mortgage Application Process:

The process generally involves:

1. Initial Consultation and Pre-approval: Discuss your needs with a bank or mortgage broker. Getting pre-approval helps you understand your borrowing capacity.
2. Property Search: Once pre-approved, you can search for a property within your budget.
3. Formal Loan Application: Submit a detailed application with all required documentation, including proof of income, identification, and the purchase agreement for the property.
4. Property Valuation: The bank will arrange a valuation of the property to confirm its value.
5. Final Approval and Signing: Upon final approval, you will sign the loan agreement and the notarial deed for the property purchase.

For expats, working with a mortgage broker who specializes in foreign clients can be highly beneficial. They can help navigate the complexities of the Polish banking system and identify lenders most likely to approve your application. This mortgage calculator provides a starting point for comparing terms from various providers available in Poland.

This information is for guidance only and does not constitute financial advice. Individuals should consult with qualified financial professionals before making any decisions. LoanExpat.com does not guarantee loan approval.

Explore all countries or learn more about different loan types. You can find more specific information on Poland Mortgage Loans.

Last updated: 22. June 2026