kalkulator raty kredytu
serp · 9 results · 9 measured · language pl · 2026-09-30 09:12:08 +00:00
The SERP is dominated by interactive calculator tools from financial aggregators (GOFIN, Bankier, Lendi), regulatory bodies (UOKiK), and direct bank providers (ING, PKO BP, Erste). The user intent is strictly functional: to compute specific loan costs or assess eligibility. Static content is minimal; the value proposition lies entirely in the usability and accuracy of the calculation engine provided on each page.
Same results, seven models
Only the model changes: the search results, pages and traffic are identical. You are viewing qwen/qwen3.8-flash. 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 403-4798 words. The median says little - look at the pages one by one.
- serp_does_not_want_an_article - The search query is highly transactional ('kalkulator'). Users want to perform a calculation immediately. A static article cannot satisfy this need unless it embeds a working calculator, in which case the calculator is the core value, not the text.
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 mortgage installment amount | interactive calculator tool | 100% | 70% | 63% | 1, 2, 3, 4, 5, 6, 7, 8, 9 | 1558 | Determine the exact monthly repayment cost for a specific loan amount, interest rate, and term. |
| Compare bank offers and rates | comparison table or ranking list | 33% | 15% | 19% | 2, 4, 9 | 3456 | Find which bank offers the best terms or lowest total cost after calculating the installment. |
| Assess creditworthiness capacity | creditworthiness assessment tool | 33% | 15% | 18% | 2, 5, 7 | 3456 | Check if they qualify for a loan of a certain size based on income and existing debts. |
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 mortgage installment amount | 44% | 22% | 89% | 100% | 33% | 78% | 22% | 9 |
| Compare bank offers and rates | 33% | 0% | 100% | 100% | 33% | 33% | 67% | 3 |
| Assess creditworthiness capacity | 33% | 33% | 67% | 100% | 33% | 100% | 33% | 3 |
Page types
| Page type | Results | Ranks |
|---|---|---|
| standalone financial calculator | 5 (56%) | 1, 3, 4, 6, 9 |
| bank product page with embedded calculator | 3 (33%) | 5, 7, 8 |
| financial aggregator/comparison site | 1 (11%) | 2 |
Heading themes
Topics the pages cover - what a complete answer is expected to address. Not an outline.
| Theme | Results | Ranks |
|---|---|---|
| Input parameters (amount, term, interest type) | 6 (67%) | 1, 3, 4, 5, 6, 9 |
| Creditworthiness evaluation | 3 (33%) | 2, 5, 7 |
| Total cost vs. monthly installment breakdown | 3 (33%) | 1, 4, 6 |
| Educational content about loan types (fixed/variable, annuity/decreasing) | 3 (33%) | 3, 6, 9 |
Recommended elements
- Interactive form fields - Allow users to input custom loan values (principal, years, interest rate).
- Real-time result display - Show the calculated monthly installment and total interest paid instantly.
- Toggle for installment type - Let users switch between equal (annuity) and decreasing installments.
- Creditworthiness check option - Provide a secondary calculation for maximum eligible loan amount based on income.
- Long introductory essays - Users are looking for a tool; excessive text before the calculator frustrates the task-oriented user.
- Static examples only - Pre-calculated tables for specific amounts (e.g., 'Rate for 300k') are less useful than a dynamic calculator because users rarely have those exact numbers.
Reader questions
- How do I calculate my loan installment myself? (paa)
- What is the installment for a 300,000 PLN loan over 30 years? (paa)
- What is the installment for a 200,000 PLN loan over 10 years? (paa)
- What is the installment for a 500,000 PLN loan over 35 years? (paa)
Brands and AI Overview
Brands in the results: GOFIN, mFinanse, UOKiK, Bankier.pl, Erste Bank, Notus Finanse, ING Bank Śląski, PKO BP, Lendi
AI Overview: present. The AI Overview confirms that the primary intent is functional calculation. It provides a summary of how to use a calculator (inputting amount, term, rate) and lists necessary data points, reinforcing that users expect immediate numerical answers rather than long-form articles.
All results
| # | Page | Intents | Words | Content form | Traffic | Fetch |
|---|---|---|---|---|---|---|
| 1 | Kalkulator kredytowy - Wydawnictwo Podatkowe GOFIN kalkulatory.gofin.pl | Calculate mortgage installment amount | 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 installment amount; Compare bank offers and rates; Assess creditworthiness capacity | 3456 | list 30 · images 141 · form 16 · calculator inputs 3 | 40,155 | ok |
| 3 | Kalkulator zmiany oprocentowania kredytu hipotecznego uokik.gov.pl | Calculate mortgage installment amount | 403 | list 1 · images 12 · form 1 | 27,892 | ok |
| 4 | Kalkulator kredytowy - kalkulator rat kredytu hipotecznego www.bankier.pl | Calculate mortgage installment amount; Compare bank offers and rates | 4798 | list 23 · images 130 · calculator inputs 1 | 21,434 | ok |
| 5 | Kredyt hipoteczny – mieszkaniowy, kalkulator zdolności ... www.erste.pl | Calculate mortgage installment amount; Assess creditworthiness 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 mortgage installment amount | 1524 | list 4 · images 2 · form 1 | 6,460 | ok |
| 7 | Kalkulator kredytowy ING - oblicz ratę kredytu hipotecznego www.ing.pl | Calculate mortgage installment amount; Assess creditworthiness capacity | 3987 | images 2 · form 2 | 20,608 | ok |
| 8 | Kredyt hipoteczny Własny Kąt www.pkobp.pl | Calculate mortgage installment amount | 1558 | table 1 · list 16 · images 50 · FAQ 1 · form 1 | - | ok |
| 9 | Kalkulator rat kredytu hipotecznego - ranking [2026] www.lendi.pl | Calculate mortgage installment amount; Compare bank offers and rates | 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.