Result: Less / mo: PLN 503, Less in total: PLN 132,686, New payment: PLN 3,396
Refinancing in 30 seconds
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.
Best offer
RecommendedOffer 2, RRSO 6.60%
Monthly savings
Monthly savings: PLN 503
Savings over the whole term
Savings over the whole term: PLN 132,686
Payment after refinancing: PLN 3,396 · Now: PLN 3,898
Range: 100,000 PLN – 2,000,000 PLN
APR (RRSO) from the information sheet, including mandatory premiums.
Offer comparison
Offer Offer 2Recommended
- Monthly payment
- PLN 3,396
More details
- APR
- 6.60%
- Total cost
- PLN 896,442
- Savings
- Monthly: PLN 503Lifetime: PLN 132,686
Offer Current loan
- Monthly payment
- PLN 3,898
More details
- APR
- 8.40%
- Total cost
- PLN 1,029,128
- Savings
- No savings
Offer Offer 1
- Monthly payment
- PLN 3,533
More details
- APR
- 7.10%
- Total cost
- PLN 932,641
- Savings
- Monthly: PLN 365Lifetime: PLN 96,487
| Offer | Monthly payment | APR | Total cost | Savings |
|---|---|---|---|---|
| Offer 2Recommended | PLN 3,396 | 6.60% | PLN 896,442 | Monthly: PLN 503Lifetime: PLN 132,686 |
| Current loan | PLN 3,898 | 8.40% | PLN 1,029,128 | No savings |
| Offer 1 | PLN 3,533 | 7.10% | PLN 932,641 | Monthly: PLN 365Lifetime: PLN 96,487 |
Good to know
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.
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.
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.
About this calculator
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.
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.
Want to include fees and costs?
The full refinancing calculator lets you add commissions, notary fees, valuations and extra products.
Open the full refinancing calculator