Mortgage

Banks analyse net income, fixed liabilities, household size, age and credit history. The creditworthiness calculator gives an indicative result — each bank applies its own scoring criteria.

Typically 20% of the property value. With a 10% down payment, low-contribution insurance is required (LTV above 80%). The mortgage calculator factors in the chosen down payment when computing the instalment.

Decreasing instalments — less total interest, but higher initial payments. Fixed instalments — stable budget burden. Over a 30-year term, the difference in total cost can reach tens of thousands of PLN.

Yes — every overpayment shortens the term or lowers the instalment. The interest saving is greater the earlier you overpay. The mortgage overpayment calculator shows the exact benefit for your loan.