Compare APRs and pick the cheapest payment
Enter the outstanding balance and APRs of three offers (including your current loan). The calculator instantly shows payment gaps, total cost and savings – perfect before meeting a bank or broker.
Have insurance and add-on requirements ready – banks often tie lower APRs to bundled products. The results remind you to include those premiums before committing.
- Lowest payment
- 3396 zł
- Lowest total cost
- 896 442 zł
- Monthly savings
- 503 zł
- Lifetime savings
- 132 686 zł
Oferta 2 delivers the lowest instalment assuming the full term.
Includes instalments plus APR-based fees (commissions, charges, insurance).
Difference versus your current mortgage payment.
How much less you pay over the entire term with the leading offer.
How to use the calculator
A simple three-step process: enter the loan balance, choose the term and add APRs for the current loan plus two refinancing offers. We translate APR into an effective monthly rate to estimate payments and total cost.
- Gather the remaining balance and years left on the mortgage.
- Note the APR from disclosure documents for the current loan and new offers.
- Include mandatory insurance – enter APR after adding premiums and fees.
Lightning mode focuses on a quick comparison of payments and total cost across three APR inputs. Export the results to build a negotiation sheet or share with an advisor.
Offer 2 with APR 6,60% looks strongest. Estimated monthly savings are about 503 zł and lifetime savings around 132 686 zł.
We compare instalments, total cost and savings across three refinancing APR inputs. Treat the outcome as guidance and double-check bundled fees before signing anything.
APR
8,40%
Payment
3898 zł
Total cost
1 029 128 zł
Savings
No savings
APR
7,10%
Payment
3533 zł
Total cost
932 641 zł
Savings
Monthly: 365 zł
Lifetime: 96 487 zł
APR
6,60%
Payment
3396 zł
Total cost
896 442 zł
Savings
Monthly: 503 zł
Lifetime: 132 686 zł
| Offer | APR | Monthly payment | Total cost | Savings |
|---|---|---|---|---|
| Current loan | 8,40% | 3898 zł | 1 029 128 zł | No savings |
| Offer 1 | 7,10% | 3533 zł | 932 641 zł | Monthly: 365 zł Lifetime: 96 487 zł |
| Offer 2Recommended | 6,60% | 3396 zł | 896 442 zł | Monthly: 503 zł Lifetime: 132 686 zł |
Watch bundled insurance and add-ons
Banks often lower APR only if you buy extra insurance or premium bundles – add those costs before making the call.
Sum mandatory premiums for life, property and card insurance. Ignoring them in APR makes the comparison overly optimistic.
Why compare APR?
APR bundles all credit costs – nominal interest, commissions, insurance and extras. Looking only at rates can hide expensive premiums or premium accounts. We therefore rely on APR and convert it to a monthly payment.
If the bank requires life, accident or property insurance, ask for monthly premiums. Add them to avoid surprises after signing the contract.
What to do after the quick check?
- Negotiate insurance: ask whether you can move an existing policy or bring your own – it often cuts APR more than the margin itself.
- Verify upfront costs: a lower payment can still cost more when commissions and notary fees are high. Save the result and compare it during talks with your advisor.
- Track WIBOR/WIRON: base rate changes move future APRs – rerun the analysis whenever banks update their tables.
Ready for deeper analysis?
Export the snapshot and store it in a spreadsheet to compare offers later. Add notary, commission and land register fees to see the full profitability picture.
Need extra detail? Use the full APR calculator to monitor how insurance or commission negotiations impact the real cost.