Czy konsolidacja zawsze obniża koszt kredytu?

Nie. Często obniża ratę, ale koszt całkowity może wzrosnąć przez dłuższy okres.

Czy mogę skonsolidować różne typy zobowiązań?

Zależy od oferty banku i rodzaju zobowiązań.

Na co uważać przy konsolidacji?

Zwróć uwagę na RRSO, prowizje i długość okresu spłaty.

Prawopro

Consolidation loan calculator — instalment after consolidation

Check instalment and cost after consolidation. Compare payments before and after.

How does the calculator work?

The calculator compares current debt burden with a consolidation scenario and estimates new payment, total post-consolidation cost and monthly change.

Assumptions

Indicative model with annuity payment. The result does not include all potential bank-specific fees and contractual conditions.

Examples

• Debt: 120,000 PLN, current payments: 3,200 PLN, remaining period: 48 months. • New offer: 9.0% annual, 72 months, fee 2.0%, one-off costs 1,500 PLN. • Compare lower monthly payment vs full-term total cost.

FAQ

Does lower monthly payment always mean cheaper loan?: No. Lower payment often comes with longer period and higher total cost.
Why include fee and one-off costs?: They materially affect total post-consolidation cost and decision quality.
Is this a binding offer?: No, it is an estimate for scenario planning and comparison.

Legal basis

As of: 2026-02-19

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

Informational tool only. Final consolidation terms are defined by lender contract and underwriting.