kalkulator raty kredytu
serp · 9 results · 9 measured · language pl · 2026-09-30 09:12:08 +00:00
The SERP is dominated by interactive calculators, primarily focusing on mortgage loans (hipoteczny). Results range from neutral third-party tools and comparison sites to direct bank offering pages, all emphasizing the ability to calculate both monthly installments and overall credit capacity.
Same results, seven models
Only the model changes: the search results, pages and traffic are identical. You are viewing google/gemma-4-31b-it. Original run.
| Model | Intents | Dominant intent | Form | Share | Unplaced |
|---|---|---|---|---|---|
| openai/gpt-6-luna | 3 | Symulacja raty kredytu hipotecznego | kalkulator hipoteczny połączony z informacją o ofertach lub konsultacją | 78% | - |
| deepseek/deepseek-v4.1-flash | 6 | Policzyć ratę kredytu w kalkulatorze | interaktywny kalkulator online z formularzem i wynikiem | 48% | - |
| nvidia/nemotron-3.5-lightning | 3 | Oblicz wysokość raty kredytu | online calculator tool | 76% | - |
| google/gemma-4-26b-a4b-it | 3 | calculate monthly loan repayments | interactive calculator | 67% | - |
| google/gemma-4-31b-it | 3 | calculate mortgage installments and capacity | mortgage calculator with credit capacity tool | 67% | - |
| qwen/qwen3.8-flash | 3 | Calculate mortgage installment amount | interactive calculator tool | 70% | - |
| xiaomi/mimo-v2.6-flash | 6 | Obliczenie wysokości raty kredytu | interaktywny kalkulator online z polami danych i wynikiem symulacji | 28% | - |
Warnings
- wide_length_band - p10-p90 spans 619-4798 words. The median says little - look at the pages one by one.
- serp_does_not_want_an_article - Users are looking for an interactive tool to perform calculations, not a prose explanation of how credit works, although guides can accompany the tool.
Search demand
DataForSEO Labs. Seasonality index = best calendar month / worst, averaged over the last three years; above 2 is clearly seasonal.
Share of results per intent
Share: a result serving two intents counts half to each, so shares add up to 100%. Coverage (in the table below) counts every page that addresses the intent.
Share of traffic per intent
Estimated traffic (etv) of the results; 8 of 9 results have a known estimate, the rest are left out, not counted as zero.
Which result serves which intent
Length of pages per intent
Dots are pages, the dark tick is the median. Thin and unfetched pages are left out.
Intents
| Intent | Form | Coverage | Share | Traffic | Ranks | Median words | Searcher goal |
|---|---|---|---|---|---|---|---|
| calculate generic loan installments | interactive calculator | 22% | 22% | 18% | 1, 6 | 447 | The user wants a tool to estimate the monthly cost of a loan based on amount, interest, and term. |
| calculate mortgage installments and capacity | mortgage calculator with credit capacity tool | 67% | 67% | 67% | 2, 4, 5, 7, 8, 9 | 2001 | The user specifically wants to estimate mortgage payments and check how much they can borrow (credit capacity). |
| calculate impact of interest rate changes | interest rate change calculator | 11% | 11% | 14% | 3 | 403 | The user already has a loan and wants to see how a change in interest rates will affect their current payment. |
Content form on the pages
Share of measured pages per intent that contain each element, counted from HTML.
| Intent | table | numbered list | list | images | FAQ | form | calculator inputs | pages |
|---|---|---|---|---|---|---|---|---|
| calculate generic loan installments | 50% | 50% | 100% | 100% | 0% | 100% | 0% | 2 |
| calculate mortgage installments and capacity | 50% | 17% | 83% | 100% | 50% | 67% | 33% | 6 |
| calculate impact of interest rate changes | 0% | 0% | 100% | 100% | 0% | 100% | 0% | 1 |
Page types
| Page type | Results | Ranks |
|---|---|---|
| financial services landing page with calculator | 3 (33%) | 2, 4, 9 |
| bank product page with calculator | 3 (33%) | 5, 7, 8 |
| standalone calculator tool | 2 (22%) | 1, 3 |
| informational guide with calculator | 1 (11%) | 6 |
Heading themes
Topics the pages cover - what a complete answer is expected to address. Not an outline.
| Theme | Results | Ranks |
|---|---|---|
| Credit capacity (zdolność kredytowa) | 5 (56%) | 2, 4, 5, 7, 9 |
| Repayment types (equal vs decreasing installments) | 3 (33%) | 1, 3, 5 |
| Comparing bank offers | 3 (33%) | 2, 4, 9 |
| Down payment (wkład własny) | 2 (22%) | 6, 9 |
Recommended elements
- input fields for loan amount and term - allows user to define the basic loan parameters
- toggle for equal/decreasing installments - shows the difference in payment schedules
- result summary (monthly installment and total cost) - provides the immediate answer the user is searching for
- long theoretical articles without a tool - The search intent is transactional/calculative; users want a result, not a reading experience.
Reader questions
- Jak samemu obliczyć ratę kredytu? (paa)
- Ile wynosi rata kredytu 300.000 zł na 30 lat? (paa)
- Ile wynosi rata kredytu 200 tys. na 10 lat? (paa)
- Ile wynosi rata kredytu 500 tys. na 35 lat? (paa)
Brands and AI Overview
Brands in the results: mFinanse, Bankier.pl, Lendi, GOFIN
AI Overview: present. The AI overview identifies the primary intent as calculating mortgage rates, explaining the required inputs (amount, term, interest) and the two main types of installments (annuity vs capital).
All results
| # | Page | Intents | Words | Content form | Traffic | Fetch |
|---|---|---|---|---|---|---|
| 1 | Kalkulator kredytowy - Wydawnictwo Podatkowe GOFIN kalkulatory.gofin.pl | calculate generic loan installments | 447 | table 1 · numbered list 1 · list 25 · images 4 · form 2 | 29,219 | ok |
| 2 | Kredyt hipoteczny - kalkulator rat kredytu hipotecznego mfinanse.pl | calculate mortgage installments and capacity | 3456 | list 30 · images 141 · form 16 · calculator inputs 3 | 40,155 | ok |
| 3 | Kalkulator zmiany oprocentowania kredytu hipotecznego uokik.gov.pl | calculate impact of interest rate changes | 403 | list 1 · images 12 · form 1 | 27,892 | ok |
| 4 | Kalkulator kredytowy - kalkulator rat kredytu hipotecznego www.bankier.pl | calculate mortgage installments and capacity | 4798 | list 23 · images 130 · calculator inputs 1 | 21,434 | ok |
| 5 | Kredyt hipoteczny – mieszkaniowy, kalkulator zdolności ... www.erste.pl | calculate mortgage installments and capacity | 2001 | table 2 · numbered list 10 · list 35 · images 20 · FAQ 1 · form 6 | 23,686 | ok |
| 6 | Kalkulator kredytu hipotecznego - oblicz ratę kredytu notus.pl | calculate generic loan installments | 1524 | list 4 · images 2 · form 1 | 6,460 | ok |
| 7 | Kalkulator kredytowy ING - oblicz ratę kredytu hipotecznego www.ing.pl | calculate mortgage installments and capacity | 3987 | images 2 · form 2 | 20,608 | ok |
| 8 | Kredyt hipoteczny Własny Kąt www.pkobp.pl | calculate mortgage installments and capacity | 1558 | table 1 · list 16 · images 50 · FAQ 1 · form 1 | - | ok |
| 9 | Kalkulator rat kredytu hipotecznego - ranking [2026] www.lendi.pl | calculate mortgage installments and capacity | 619 | table 1 · list 19 · images 32 · FAQ 1 | 23,410 | ok |
Generated by intent-labeler. The model only groups results; every number is computed by code.