Mortgage Calculator
- Apartment price
- 800 000 zł
- Loan amount
- 640 000 zł80% of the price
- Total interest
- 585 349 zł91% of the loan
- DTI
- 34%
- LTV
- 80%
- DTI 34% - within comfort, most banks will approve
- LTV 80% - standard zone, no surcharges
This is not a binding offer.
Indicative data as of 10/2026. Some offers require additional products (account, insurance). The actual rate depends on income, credit history (BIK) and LTV.
Frequently asked questions
How is the monthly payment calculated?+
The payment uses the standard annuity formula: loan amount × monthly rate / (1 − (1 + monthly rate)^−months). The rate equals WIBOR 3M plus bank margin (usually 1.7–2.3%). We assume a fixed rate for the entire term - in reality WIBOR fluctuates, so the payment changes too.
What is DTI and why does it matter?+
DTI (Debt-to-Income) is the ratio of payment to monthly net income. KNF's Rekomendacja S sets a 40% cap for incomes up to the national average, 50% above it. Banks almost always reject applications with DTI above 50%.
What is LTV and how big should the down payment be?+
LTV (Loan-to-Value) is the loan amount divided by the property value. The standard minimum down payment is 20% (LTV 80%). You can go to 10% (LTV 90%), but the bank then requires extra low-down-payment insurance and raises the margin.
What other costs are there besides the payment?+
On signing day: PCC 2% (secondary market, unless first home), notary fee ~1–3k PLN, bank origination ~1% of loan, property appraisal ~600 PLN, mortgage deed at notary another ~500–1000 PLN. In total typically 4–7% of the apartment price.