APR (RRSO): the one number to compare mortgage offers
Interest rate alone doesn't tell you what the loan costs. APR includes commissions, insurance and fees – here's how to read it.
Kready · 2026-08-22
APR (Polish: RRSO – rzeczywista roczna stopa oprocentowania) shows the total annual cost of the loan as a percentage.
What's inside
- interest,
- the bank's commission,
- required insurance,
- other fees charged by the bank (e.g. valuation).
That's why two offers with the same interest rate can have a different APR.
How to use it
- Compare APR for the same amount and term – the calculation depends on both.
- A lower APR usually means a cheaper loan overall.
- Also look at the total cost in złoty – it's easier to imagine.
Watch out
- For fixed-rate loans, APR assumes current conditions also after the fixed period.
- Optional products you choose later (e.g. extra insurance) may not be included.
- Promotional terms often require an account with salary inflow – check what happens if you stop using it.
Example
Offer A: 5.9%, no commission. Offer B: 5.7% with 2% commission. On a 30-year loan offer B can still be cheaper – but if you plan to refinance in 3 years, offer A may win. APR and total cost show this directly.
Every offer in our calculator shows interest rate, APR and total cost side by side.