What happens to the payment if the rate changes?

Move the slider to see the new payment, the monthly and yearly difference, and how much interest is added or saved by the end of a Polish mortgage.

Your loan today
You will find these in your banking app or your last schedule.
Outstanding balance?
zł
Rate today?
%
Payments left
years
mo
Your payment today is about 3 514 złDifferent from the bank's figure? A few złoty either way is rounding.
The new rate
If the rate becomes 4.50%−1.24 pp against today
NOW 5.74%
3%10%
New paymentESTIMATE
3 090 zł
−424 zł / mofrom the next instalment
Difference per year−5 088 zł
Interest to the end411 352 zł
Compared with today−135 254 zł
The term stays the same — only the size of the payment changes.
PAYMENT AND RATE · ESTIMATE

Every 0.5 pp is about 178 zł a month

Your payment todayNew paymentHigher than todayLower than today
4.50%Payment 3 090 złvs today −424 zł / moHover a bar to check another rate
02 tys.4 tys.6 tys.2 6153%2 7683.5%2 9274%3 090 zł−424 zł4.5%NEW3 2575%3 4305.5%3 5145.74%NOW3 6066%3 7876.5%3 9717%4 1597.5%4 3518%4 5468.5%4 7459%4 9469.5%5 15110%Today 3 514 zł
Click a bar to set the rate. The payment axis starts at 0 zł.
Scenarios side by side
Click a row to recalculate at that rate.
RATEPAYMENTDIFFERENCE / MOPER YEARINTEREST TO THE END

The results are estimates, not a forecast of interest rates and not an offer. We assume equal instalments and, after the change, the same rate to the end of the loan. Your bank may recalculate the payment on a different date.