The falling WIBOR rates bring relief to mortgage borrowers. In May 2025, many of us will see lower installments, and this is a great time to consider overpayment of credit and get rid of liabilities faster.
Current WIBOR rates – what has changed?
In May 2025 WIBOR continues to decline, which directly translates into lower mortgage instalments. The latest rates of 2 May 2025 are as follows:
- WIBOR 1M: 5.63%
- WIBOR 3M: 5.41%
- WIBOR 6M: 5.10%
This is a clear decrease compared to the previous months, especially for WIBOR 6M, which was just over 5.8%. For many borrowers this means real savings.
How does the fall in WIBOR affect the amount of mortgage payments?
Variable interest rate mortgages shall be updated every 3 or 6 months depending on the selected indicator (WIBOR 3M or 6M). The current decrease of WIBOR 6M makes the loan payment for PLN 400 thousand for 30 years may be lower by up to PLN 140, and at the credit for PLN 700 thousand – even by PLN 245 per month.
Example of mortgage instalments (with a interest rate of about 5.95%)
| Amount of credit | 30 years | 20 years |
|---|---|---|
| PLN 300 000 | PLN 1,789 | PLN 2 141 |
| PLN 400,000 | 2 385 PLN | PLN 2,854 |
| PLN 500,000 | 2 982 PLN | PLN 3,568 |
| PLN 700,000 | PLN 4 174 | PLN 4 995 |
The larger the loan, the more the reduction in the instalment is felt.
Overpayment of mortgage credit – why is it worth it?
A reduction in payments is a great opportunity to think about overpayment. Even a small, regular overpayment allows:
- shorten the repayment period,
- significantly reduce the total interest cost,
- Get rid of your commitment faster.
It's like with an accelerated run to the finish line – the more you pay, the faster you finish the credit marathon.
Use the UOKiK calculator
To see how a change in interest rate or overpayment affects your interest rate and the total cost of credit, use the free UOKiK calculator: the interest rate and mortgage overpayment calculator. This simple tool will allow you to plan an optimal repayment strategy.
https://uokik.gov.pl/calculator-rate changes
May 2025 brings real reductions in mortgage instalments thanks to falling WIBOR rates. This is a good time to check your payment, consider overpayment and use tools that will help you get rid of your credit faster. Check how much you can gain – your finances are worth it!
