{"id":493,"date":"2026-04-09T10:04:25","date_gmt":"2026-04-09T07:04:25","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=493"},"modified":"2026-04-21T14:37:54","modified_gmt":"2026-04-21T11:37:54","slug":"kak-pravilno-dosrochno-pogashat-ipoteku-v-polshe-i-ekonomit-sotni-tysyach-zlotyh","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-pravilno-dosrochno-pogashat-ipoteku-v-polshe-i-ekonomit-sotni-tysyach-zlotyh\/","title":{"rendered":"How to repay a mortgage early in Poland and save hundreds of thousands of zlotys"},"content":{"rendered":"<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Mortgage loan<\/a> \u2014 this is one of the largest financial commitments in your life. In Poland, the standard mortgage term is 25\u201330 years, and interest overpayments can reach hundreds of thousands of zlotys. But the good news is, you can significantly reduce this overpayment by making regular payments.<\/p>\n\n\n\n<p>In this article we will discuss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How does the surcharge work? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a><\/li>\n\n\n\n<li>when and how to do it<\/li>\n\n\n\n<li>How much can you really save?<\/li>\n\n\n\n<li>an example with specific numbers<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is a mortgage surcharge?<\/h2>\n\n\n\n<p>An extra payment (nadp\u0142ata kredytu) is an amount added to your monthly payment.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>your standard mortgage payment is 3000 z\u0142<\/li>\n\n\n\n<li>you pay 3500 z\u0142<br>\u2192 the additional 500 z\u0142 goes directly towards repaying the principal of the loan<\/li>\n<\/ul>\n\n\n\n<p>This is the key point: you are reducing the principal debt, which means that interest is calculated on a smaller amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it possible to make an extra payment in Poland?<\/h2>\n\n\n\n<p>Yes, and it is very convenient.<\/p>\n\n\n\n<p>In most banks in Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>an extra charge can be made <strong>at any time<\/strong><\/li>\n\n\n\n<li>it&#039;s done right in <strong>bank personal account<\/strong><\/li>\n\n\n\n<li>money is automatically debited from your account<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1 Important:<br>In approximately <strong>90% cases surcharge is free<\/strong>, But:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You should definitely check your loan agreement.<\/li>\n\n\n\n<li>Sometimes there may be a commission in the first 2-3 years (for example 1-3%)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Does the date of the surcharge matter?<\/h2>\n\n\n\n<p>By and large - <strong>no, it is not critical<\/strong>, on what day of the month do you make the extra payment.<\/p>\n\n\n\n<p>Why:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mortgage interest is accrued <strong>monthly on the remaining debt<\/strong><\/li>\n\n\n\n<li>once you&#039;ve made the extra payment - <strong>the loan principal has decreased<\/strong><\/li>\n\n\n\n<li>This means that in the next billing period the interest will be calculated from <strong>a smaller amount<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 That is, even if you don&#039;t deposit money on the &quot;ideal date,&quot; you still start saving almost immediately.<\/p>\n\n\n\n<p>Of course, if you make a payment a little earlier than the payment debit date, the effect will be a little better, but in practice <strong>Regularity is more important than the exact day<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What happens after the surcharge (in simple terms)<\/h2>\n\n\n\n<p>The mechanism is very simple, but it is important to understand.<\/p>\n\n\n\n<p>Let&#039;s assume:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have a debt of 500,000 z\u0142<\/li>\n\n\n\n<li>you made an extra payment of 10,000 z\u0142<br>\u2192 new debt = 490,000 z\u0142<\/li>\n<\/ul>\n\n\n\n<p>Now the most important thing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the bank calculates interest <strong>not from 500,000 z\u0142<\/strong>, and already from <strong>490,000 z\u0142<\/strong><\/li>\n\n\n\n<li>the next payment automatically includes <strong>a smaller amount of interest<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 That is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>part of your standard payment begins to pay off the principal of the loan faster<\/li>\n\n\n\n<li>credit &quot;accelerates&quot; on its own<\/li>\n<\/ul>\n\n\n\n<p>This is the main effect of the surcharge.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What happens after the surcharge (options from the bank)<\/h2>\n\n\n\n<p>After depositing an additional amount, the bank usually offers two options:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Reducing the loan term (the most profitable option)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the payment remains approximately the same<\/li>\n\n\n\n<li>the loan term is reduced<\/li>\n\n\n\n<li>you save maximum on interest<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Reducing the monthly payment<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the term remains the same<\/li>\n\n\n\n<li>the burden on the budget is reduced<\/li>\n\n\n\n<li>but the savings are less<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 If the goal is - <strong>save as much as possible<\/strong>, always choose <strong>reduction of term<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Example: How 500 z\u0142 per month changes a mortgage<\/h2>\n\n\n\n<p>Let&#039;s take a real situation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan amount: <strong>500,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Term: <strong>30 years (360 months)<\/strong><\/li>\n\n\n\n<li>Interest rate: <strong>6,5%<\/strong><\/li>\n\n\n\n<li>Payment: approximately <strong>3150 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">No extra charges:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total amount of payments: ~1,134,000 z\u0142<\/li>\n\n\n\n<li>Overpayment: ~634,000 z\u0142<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">With an additional 500 z\u0142 per month:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment: 3150 + 500 = <strong>3650 z\u0142<\/strong><\/li>\n\n\n\n<li>The loan term is reduced to approximately <strong>21\u201322 years old<\/strong><\/li>\n\n\n\n<li>Interest savings: <strong>about 200,000 \u2013 250,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 That is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you are closing the mortgage <strong>8\u20139 years earlier<\/strong><\/li>\n\n\n\n<li>and save a huge amount<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why does even a small surcharge have such an effect?<\/h2>\n\n\n\n<p>At the beginning of the loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>most of the payment is interest<\/li>\n\n\n\n<li>the loan principal is decreasing very slowly<\/li>\n<\/ul>\n\n\n\n<p>When you make an extra payment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the principal debt is sharply reduced<\/li>\n\n\n\n<li>interest begins to accrue on a smaller amount<\/li>\n\n\n\n<li>the snowball effect begins\u00ab<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to make surcharges correctly<\/h2>\n\n\n\n<p>Here are some practical tips:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Make additional payments regularly<\/h3>\n\n\n\n<p>Even:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>200\u2013300 z\u0142 per month already produces results<\/li>\n\n\n\n<li>the main thing is consistency<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Better more often than once a year<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>monthly surcharges are more effective<\/li>\n\n\n\n<li>you reduce the loan principal faster<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Check the terms of the contract<\/h3>\n\n\n\n<p>Please note:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is there a commission?<\/li>\n\n\n\n<li>Is there a minimum surcharge?<\/li>\n\n\n\n<li>Do I need to submit an application?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">When NOT to pay extra<\/h2>\n\n\n\n<p>Sometimes there are situations when it is better to think:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you don&#039;t have a financial safety net<\/li>\n\n\n\n<li>there are more expensive debts (for example, credit cards)<\/li>\n\n\n\n<li>you are planning major expenses (renovations, business)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Result<\/h2>\n\n\n\n<p>Surcharge <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">on mortgage<\/a> - This is one of the easiest ways to save a lot of money.<\/p>\n\n\n\n<p>\u2714 You can do it at any time through online banking<br>\u2714 In most cases, free<br>\u2714 The date of the bonus payment is not critical \u2013 regularity is more important<br>\u2714 Even 500 z\u0142 per month can reduce your loan by years<br>\u2714 Savings can reach hundreds of thousands of zlotys<\/p>\n\n\n\n<p>If you&#039;re already paying a mortgage, it&#039;s worth opening the calculator at least once and calculating how much you can save. This is often a decision that can truly change your financial future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Need help with your mortgage? I&#039;ll help you for free.<\/h2>\n\n\n\n<p>If you are just planning to take <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a> or if you want to improve the terms of an existing loan, it makes sense to contact a specialist.<\/p>\n\n\n\n<p>I cooperate <strong>with all banks in Poland<\/strong>, so I can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>find the best offer on the market for you<\/li>\n\n\n\n<li>compare real conditions, not just advertising<\/li>\n\n\n\n<li>help increase your chances of approval<\/li>\n\n\n\n<li>guide you through the entire process, from application to loan issuance<\/li>\n<\/ul>\n\n\n\n<p>\u2714 My services for you <strong>completely free<\/strong><br>(I receive payment from the bank, not from the client)<\/p>\n\n\n\n<p>This means that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you don&#039;t overpay anything<\/li>\n\n\n\n<li>while saving time, nerves and often tens of thousands of zlotys<\/li>\n<\/ul>\n\n\n\n<p>If you want:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>calculate your mortgage<\/li>\n\n\n\n<li>understand how much you will actually be approved for<\/li>\n\n\n\n<li>or compare bank offers<\/li>\n<\/ul>\n\n\n\n<p>\u2014 <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Just write to me and I will help you sort out your situation.<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>A mortgage is one of the largest financial commitments in life. In Poland, the standard mortgage term is 25\u201330 years.,<\/p>","protected":false},"author":1,"featured_media":494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=493"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/493\/revisions"}],"predecessor-version":[{"id":495,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/493\/revisions\/495"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/494"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}