Mortgage rates in Poland
WIBOR 6M is the interbank rate most variable mortgages track. Banks add their own margin on top.
Current indicative rate
5.89%
WIBOR 6M 3.89% (2026-09-14) + 2.0pp bank margin
Source: Bankier.pl · fetched 17 Sep 04:45
Recent WIBOR 6M history
| Date | WIBOR 6M |
|---|---|
| 2026-09-14 | 3.89% |
| 2026-09-13 | 3.87% |
| 2026-09-10 | 3.87% |
| 2026-09-09 | 3.86% |
| 2026-09-08 | 3.86% |
| 2026-09-07 | 3.86% |
| 2026-09-06 | 3.86% |
| 2026-09-03 | 3.86% |
| 2026-09-02 | 3.86% |
| 2026-09-01 | 3.86% |
| 2026-08-31 | 3.85% |
| 2026-08-30 | 3.85% |
| 2026-08-27 | 3.85% |
| 2026-08-26 | 3.85% |
| 2026-08-25 | 3.85% |
| 2026-08-24 | 3.85% |
| 2026-08-23 | 3.85% |
| 2026-08-20 | 3.84% |
| 2026-08-19 | 3.84% |
| 2026-08-18 | 3.84% |
| 2026-08-17 | 3.84% |
| 2026-08-16 | 3.84% |
| 2026-08-13 | 3.84% |
| 2026-08-12 | 3.84% |
Polish banks quote variable rates as WIBOR + margin. The margin is set per bank and borrower — we use 2.0pp as a site-wide estimate for calculators unless you override it.
WIBOR is fetched live from GPW Benchmark on weekdays. See data sources for methodology.