{"data":{"id":"credit-cost","seriesId":"finwire_mortgage_cost_barometer","ref":"/v1/index/credit-cost","title":"Barometr kosztu kredytu hipotecznego","value":592,"unit":"zł / mies.","valueFormat":"pln","gauge":34,"gaugeBand":"b2","gaugeLabel":"Rata prawie najniższa od lutego 2022","deltaMom":-1,"deltaMomPct":-0.17,"direction":"flat","goodWhenHigh":false,"asOf":"2026-11-06","history":{"since":"2015-01","current":592,"best":{"month":"2021-07","value":380},"worst":{"month":"2022-10","value":842},"betterThanPct":34},"pageUrl":"https://finwire.pl/barometr-kosztu-kredytu-hipotecznego","delta":{"mom":-1,"momPct":-0.17,"yoy":-22,"yoyPct":-3.58},"seriesLabel":"Miesięczna rata na każde 100 tys. zł kredytu (30 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odniesienia","definition":"100 000 zł - łatwo przeskalować na własny kredyt (rata 400 tys. zł = 4 × rata 100 tys.)"},{"term":"Okres","definition":"30 lat (360 rat równych)"},{"term":"Rata","definition":"wzór annuitetowy (raty równe) - bez bufora stresowego, czyli faktyczna rata do zapłaty"},{"term":"Suma odsetek","definition":"rata × 360 minus pożyczony kapitał 100 000 zł"},{"term":"Pozycja w historii","definition":"bieżący odczyt porównujemy z każdym miesiącem od stycznia 2015 policzonym tym samym modelem: podajemy najlepszy i najgorszy miesiąc, odsetek miesięcy z gorszym wynikiem oraz od kiedy nie było tak dobrze (albo tak źle)"},{"term":"Identyfikator","definition":"finwire_mortgage_cost_barometer (wersja metody 1)"}],"source":"finwire.pl - WIBOR 3M (GPW Benchmark)"},"meta":{"datasetId":"credit-cost","source":"finwire.pl","sourceUrl":"https://finwire.pl/barometr-kosztu-kredytu-hipotecznego","license":"finwire.pl indicator (CC BY 4.0).","asOf":"2026-11-06","fetchedAt":"2026-11-07T01:56:15.381Z","citation":"Source: finwire.pl (finwire.pl), https://public-api.finwire.pl/datasets/credit-cost","docsUrl":"https://public-api.finwire.pl/datasets/credit-cost"}}