Dziś, 22 kwietnia 2026, opublikowane zostały nowe stawkiWIBOR– i jak zawsze warto wiedzieć, co dokładnie wynoszą. WIBOR 3M aktualne notowanie to dziś 3,86%. Jeśli maszcredit-hypothetical/" title="Holiday Credit">mortgage Creditz oprocentowaniem zmiennym, ta liczba ma bezpośredni wpływ na wysokość Twojej miesięcznej raty. Zostań z nami – poniżej znajdziesz wszystko, co musisz wiedzieć, w kilka minut i bez żadnych trudnych słów.
RatesWIBORdziś – 22 kwietnia 2026
Today's WIBOR rates
WIBOR ON
Rate: 3.64% | Fixing date: 2026-04-22
This is a stake for literally one day – banks use it for very short settlements among themselves.
WIBOR 1M
Rate: 3.75% | Fixing date: 2026-04-22
Rate per month – less commonly used in loans to individual customers, more often used in corporate accounts.
WIBOR 3M
Rate: 3.86% | Fixing date: 2026-04-22
To właśnie WIBOR 3M aktualne notowanie interesuje najbardziej wszystkich, którzy spłacającredit-hypothetical/" title="Holiday Credit">mortgage Credit. Większość banków w Polsce oparła oprocentowanie zmiennych kredytów właśnie na tej stawce – co trzy miesiące bank sprawdza aktualny WIBOR 3M i przelicza Twoją ratę. Innymi słowy: ta liczba to jeden z dwóch składników oprocentowania Twojego kredytu.
WIBOR 6M
Rate: 3.88% | Fixing date: 2026-04-22
Rates per six months – some banks offer mortgage loans just based on WIBOR 6M, meaning that the instalment changes less often because only every six months.
WIBOR 1Y
Rate: 3.89% | Fixing date: 2026-04-22
Annual rate – the least used in retail loans, but worth knowing for a full picture of the market.
WIBOR rates are published by WPW Benchmark S.A. Fixing takes place at 11:00 on working days, publication at 11:00.
How does today's WIBOR 3M affect the mortgage payment?
The interest rate on your mortgage is the sum of two things: the current WIBOR 3M and the margin established by the bank in the contract – usually between 2 and 2.5%. With today's WIBOR 3M of 3.86%, the total interest rate on variable mortgage credit is approximately 5.86% to 6.36%, depending on your bank's margin.
Below you will find a table with estimated instalments for different loan amounts. We accepted a repayment period of 25 years and an interest rate of 6.11% (WIBOR 3M 3.86% + margin of 2.25%).
| Amount of credit | Monthly instalment | Total cost of interest |
|---|---|---|
| PLN 200,000 | 1 302 PLN | PLN 190 600 |
| PLN 300 000 | PLN 1,953 | PLN 285 900 |
| PLN 400,000 | 2 604 PLN | 381 200 PLN |
| PLN 500,000 | PLN 3 255 | PLN 476 500 |
| PLN 700,000 | 4 557 PLN | PLN 667 100 |
These are estimates. — the actual instalments depend on your bank margin and repayment schedule.
WIBOR and car and company leasing
Not only is mortgage credit linked to WIBOR – leasing companies also consider it when they set the amount of instalments. If the company takes a car or machine into leasing, changing WIBOR rates can make the instalment slightly higher or lower. It's not complicated – it's just worth having it in the back of your head, planning the company's budget.
The following are examples of estimated lease payments with the assumption of a 10% own payment and interest rate based on WIBOR 3M plus a leasing margin.
| Item value | Lease period | Estimated monthly instalment |
|---|---|---|
| PLN 50,000 | 48 months | PLN 1 080 |
| PLN 100,000 | 48 months | 2 160 PLN |
| PLN 150 000 | 60 months | PLN 2,790 |
| PLN 300 000 | 60 months | PLN 5,580 |
Estimates — the actual instalments determined individually by the leasing firm.
What is WIBOR? Short explanation
WIBOR to po prostu stawka, po której banki pożyczają sobie nawzajemmoney– coś jak cena pieniądza na rynku między bankami. Jeśli masz kredyt hipoteczny ze zmiennym oprocentowaniem, Twój bank co jakiś czas sprawdza aktualny WIBOR i na jego podstawie przelicza wysokość Twojej raty. Możesz to sobie wyobrazić tak: kiedy WIBOR rośnie, rata rośnie, kiedy WIBOR spada, rata spada.
Every day look at digitalnexus.pl – we publish current WIBOR rates each working day so that you always know what's going on with your credit. Thanks for reading and I'll see you tomorrow!
