Czy najniższa rata oznacza najlepszą ofertę?

Nie zawsze — liczy się koszt całkowity, prowizje, ubezpieczenia i warunki umowy.

Jak porównywać oferty o różnych okresach?

Ustal te same założenia (kwota, okres, typ rat) i porównuj koszt całkowity.

Czy kalkulator pokazuje RRSO?

Tak, ale orientacyjnie — końcowe RRSO zależy od wszystkich opłat i zasad banku.

Co daje rata malejąca?

Rata malejąca ma wyższą ratę startową, ale zwykle niższy koszt całkowity.

Prawopro

Mortgage comparison calculator — instalment and total cost

Compare 2–3 mortgage variants under identical assumptions.

How does the calculator work?

Compare 2–3 mortgage scenarios with identical assumptions: amount, term, base rate, margin, commission and insurance. The calculator estimates instalment (fixed or decreasing), total cost and APRC. It does not reflect individual bank conditions.

Conditions and limits

• Results depend on assumptions — use values from actual offers.
• APRC is estimated and does not replace a bank offer.
• Decreasing instalments start higher but usually reduce total cost.

Examples

• Offer A: 500,000 PLN, 25 years, base rate 5.5%, margin 1.9%, commission 1.5% → instalment about 3,400 PLN. • Offer B: 500,000 PLN, 25 years, base rate 5.5%, margin 2.2%, commission 0% → higher instalment but lower fees.

FAQ

Does the lowest instalment mean the best offer?: Not always. Total cost, commissions, insurance and contract terms matter.
How to compare offers with different terms?: Use the same assumptions (amount, term, instalment type) and compare total cost.
Does the calculator show APRC?: Yes, but only as an estimate — final APRC depends on all fees and bank rules.
What does a decreasing instalment change?: It starts higher but usually lowers the total cost.

Legal basis

As of: 2026-02-01.

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

This calculator is indicative only and not financial advice. Final terms are set by the bank.