What will the monthly mortgage repayment be in 2026? Calculations and examples

My name is Rafał Radomski and, as the owner of a estate agency, I often find that it is loan instalment is one of the first things people looking to buy a flat tend to consider. This is a sensible approach, as it’s best to start your property search by setting a realistic budget rather than simply browsing listings. Especially when it comes to flat in the tri-city, where the price of the property, the size of the deposit and subsequent running costs can have a significant impact on the final decision to buy.

However, it is important to note that the calculations below are for illustrative purposes only. They do not constitute a bank offer or a credit decision. The monthly repayment depends on the interest rate, the bank’s margin, fees, insurance, the repayment term, the type of repayment and the borrower’s individual circumstances.

Later in this article, I’ll show you some examples of mortgage repayment simulations for 2026, explain what factors determine the amount of these repayments, and highlight the costs you should bear in mind before buying a property. This will make it easier for you to assess what budget you’ll need to buy a flat and how to approach planning the entire investment. I hope you enjoy reading it.

Table of contents

• What determines the monthly mortgage repayment?
  • Why can a single loan amount result in different instalments?
• Example mortgage repayments in 2026
• How does the monthly payment affect the choice of a flat in the Tri-City?
• How can you go about buying a flat with a mortgage safely?
• FAQ - Frequently asked questions

What determines the monthly mortgage repayment?

The loan amount – that is, the price of the flat minus the deposit – has the greatest impact on the monthly repayment. The higher the value of the property and the lower the deposit, the greater the debt to the bank. The repayment period is also important – a longer one reduces the monthly instalment, but usually increases the total cost of the loan.

Other factors to consider include the interest rate, the margin, fees, insurance and the type of interest rate. A loan with a fixed interest rate offers greater predictability, whereas a variable interest rate may fluctuate in line with changes in market rates. Therefore, when running any simulation, it is worth looking not only at the first instalment, but also at the potential risk of costs changing over time.

Why can a single loan amount result in different instalments?

Two loans of PLN 500,000 may have completely different instalments if they differ in terms of repayment period, interest rate, insurance or commission. In practice, the bank also assesses your income, employment status, credit history, the number of people in your household and other financial commitments.

Example mortgage repayments in 2026

The scenarios below are illustrative and are intended solely for indicative budget planning. The figures shown illustrate how the monthly repayment varies depending on the loan amount and the repayment term. Before making a decision, it is always worth comparing the current offers from several banks.

Loan amount	Repayment period	Estimated instalment	What’s worth knowing?
400,000 PLN	30 years	approx. PLN 2,660	lower exposure, but still sensitive to interest rates
PLN 500,000	35 years	approx. PLN 3,292	lower monthly repayments, but a longer repayment period
PLN 500,000	30 years	approx. PLN 3,401	higher monthly repayments, shorter loan term
PLN 600 000	30 years	proportionally higher	requires greater capacity and a safety margin
PLN 700,000	30–35 years old	depending on the bank's offer	a common level of funding for more expensive locations

In my line of work, I often see that buyers focus solely on the monthly instalment and overlook the additional costs. However, you need to add administrative fees, utilities, parking, finishing work, renovation, stamp duty on the secondary market and notary fees to your budget. It is these factors that determine whether the purchase will be hassle-free once the deed has been signed.

How does the instalment affect choosing a flat in the Tri-City?

Your mortgage repayment should be tailored to your lifestyle, not just to your maximum borrowing capacity. The bank may decide that you are eligible to borrow a certain amount, but that doesn’t mean that repayment will fit comfortably into your day-to-day budget. When buying a flat in Gdańsk, Gdynia or Sopot, it is worth setting aside a reserve for service charges, furnishings and unforeseen expenses.

If you’re looking for a flat for yourself, your priorities will be location, size, layout and quality of life. When buying as an investment, other factors come into play: rental potential, profitability, vacancy rates and maintenance costs. That’s why when choosing flat in the tri-city, ...you need to look beyond just the price quoted in the advert.

How to approach this safely buying a flat on credit?

It’s best to start by determining the maximum monthly repayment that won’t put a strain on your household budget. Only then should you consider the property’s price, your deposit and the scope for negotiation. Good preparation helps you avoid a situation where the buyer falls in love with a property that is financially on the edge of affordability.

Based on my experience in the industry, I have noticed that many customers focus primarily on their maximum borrowing capacity. However, it is far more important to determine a repayment amount that you can comfortably manage over the coming years. When buying flats in the Tri-City It is worth taking into account not only the mortgage itself, but also the costs of maintaining the property, renovations and unforeseen expenses.

Please feel free to contact our a estate agency in Gdynia or Gdańsk even before you start looking. We’ll help you assess a realistic budget for the purchase, analyse the available options and find a property that suits both your needs and your financial circumstances. This ensures that the entire buying process is smoother, safer and much more informed.

+48 783 187 968 (Gdansk)
+48 884 843 118 (Gdynia)
biuro@radomskinieruchomosci.pl

FAQ - Frequently asked questions

1. Is the example loan instalment a bank offer?

No, the example repayment is only an indicative simulation based on certain assumptions. The actual offer depends on the bank, the interest rate, the margin, fees, insurance and the borrower’s circumstances.

2. How much of a deposit will you need to buy a flat in 2026?

In most cases, banks require a deposit, the amount of which depends on the specific offer and lending policy. The higher the deposit, the lower the loan amount and, generally, the more favourable the assessment of creditworthiness.

3. Is a longer loan term always worthwhile?

A longer repayment period may reduce your monthly repayment, but it usually increases the total cost of the loan. It is worth comparing a few options to see whether the lower monthly repayment actually makes up for the longer repayment period.

4. Which has a greater impact on the monthly repayment: the price of the flat or the interest rate?

Both factors play a role, but in practice, a high property price increases the loan amount, whilst the interest rate determines the cost of the borrowed money. That is why, when buying a property, it is important to analyse both the property price and the financing terms.

5. Is it worth buying a flat in the Tri-City on a mortgage in 2026?

It depends on the price, location, stability of income and the purpose of the purchase. If the monthly repayment is manageable for your budget and the property is in a good location and has good marketability, buying may be a sensible decision despite the cost of the mortgage.