Mortgage rates in Poland
WIBOR 6M is the interbank rate most variable mortgages track. Banks add their own margin on top.
Current indicative rate
7.05%
WIBOR 6M 5.05% (2026-06-17) + 2.0pp bank margin
Source: ENV · fetched 17 Jun 08:00
Recent WIBOR 6M history
| Date | WIBOR 6M |
|---|---|
| 2026-06-17 | 5.05% |
| 2026-06-16 | 5.05% |
| 2026-06-15 | 5.05% |
| 2026-06-14 | 5.05% |
| 2026-06-12 | 5.05% |
| 2025-07-01 | 5.05% |
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.