Result: Payment / mo: PLN 401, Net: PLN 90,916, Payback: 1 year 3 mo
Full refinancing calculator
Step-by-step mortgage refinancing
Enter your current mortgage and the new offer to instantly see the monthly change, break-even month and total net savings after accounting for every fee.
Offer 1 cuts the monthly cost by PLN 401 and saves PLN 90,916 net after refinancing costs.
Monthly payment change
Monthly payment change: PLN 401
Net savings
Net savings: PLN 90,916
Break-even point
1 year 3 mo
Nominal rate only, not APR.
Years left to repay the current loan.
Provide the rate, term and costs of the new mortgage.
Nominal rate of the refinanced loan.
Shorten or extend the term depending on the offer.
Current mortgage vs offer Offer 1
- Monthly outflow (payment + fees)
- Current mortgagePLN 3,152New offerPLN 2,751
- Total interest
- Current mortgagePLN 325,615New offerPLN 234,149
- Fees and commissions
- Current mortgagePLN 13,300New offerPLN 13,850
- Full loan cost
- Current mortgagePLN 758,915New offerPLN 667,999
- Annual savings
- PLN 4,813
Shows the real impact on your monthly budget.
Interest difference from a lower rate or a changed term.
One-off and monthly costs, including refinancing expenses.
Principal + interest + all fees across both loans.
Details
What next?
Key steps once the numbers show refinancing makes sense.
- 1. Request a binding offer Calculator inputs use nominal rates. Review APR and conditions in the bank's official offer.
- 2. Negotiate extra costs Commissions, appraisals and insurance are often negotiable or discounted—address them when talking to the bank.
- 3. Plan the legal paperwork Schedule the notary appointment and land register entry ahead of time.
About this calculator
- Compare multiple offers. Add up to 4 refinancing scenarios and pick the best one.
- Include every cost. Add bank fees, notary charges, appraisals and bundled products.
- Find the break-even. See how many months it takes before switching banks pays off.
This calculator provides estimates and does not replace personalised mortgage advice. Always verify bank regulations and your credit agreement to confirm the exact refinancing costs.