2025-09-24 16:10
publication
2025-09-24 16:10
The Ministry of Finance reduced by 0.25 points. percent The interest rate on most retail bonds, which it will offer on sale in October – according to retail papers published on Wednesday. Only 10- and 12-year bonds remain unchanged.
“In October, we adapted the offer of savings bonds to current market conditions by changing the interest rate on bonds with an incidence date from 3 months to 6-year He said, quoted in Wednesday's MF information, deputy finance minister Jurand Drop.
The Ministry of Finance said that in October the interest rate on 3-month bonds, which will amount to 2.75 percent. (previously there were 3 percent). The interest rate on annual bonds with a variable coupon, based on the NBP reference rate, will be 4.75 percent next month. (instead of 5 percent) and two -year papers, also associated with the NBP reference rate, will fall to 4.9 percent. (from 5.15 percent previously). Three -year bonds with a fixed coupon will give interest at 5.15 percent. (previously 5.4 percent), and the interest rate on four -year bonds – also with a variable coupon – will be 5.5 percent in the first annual period. (previously there were 5.75 percent). The interest rate on 10-year bonds with a variable coupon in the first annual interest period will continue to be 6 percent, as it was in September.
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The Ministry of Finance also changed the interest rate on one type of retail bonds intended for beneficiaries of the 800+ program. 6-year bonds with a variable interest rate in the first annual interest period will give interest in the amount of 5.70 percent. (previously 5.95 percent). The interest rate on 12 -year papers, intended for the recipients of the 800+ benefit, has not changed – it will still be 6.25 percent. in the first annual interest period.
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OTS0126 3-month |
3-month bonds are a fixed interest rate 2.75% per year. The interest rate is calculated from PLN 100, and interest is paid after saving (three months from the date of purchase). |
PLN 100 PLN 100.00 with exchange |
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ROR1026 1-year |
1-year bonds are variable interest rates. In the first month the interest rate is 4.75% per year. In subsequent monthly interest periods, the interest rate is equal to the NBP reference rate and permanent margin 0.00%. Interest is paid monthly. |
PLN 100 PLN 99.90 when swap |
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Dor1027 2-year-old |
2-year bonds are variable interest rates in the first month. The interest rate is 4.90% per year. In subsequent monthly interest periods, the interest rate is equal to the NBP reference rate and permanent margin 0.15%. Interest is paid monthly. |
PLN 100 PLN 99.90 when swap |
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Tos1028 3-year-old |
3-year bonds are bonds with a fixed interest rate 5.15% annually. In the first year, the interest rate is calculated from PLN 100, and in subsequent years from the value increased by interest for the previous year (so -called capitalization of interest). Interest is paid after saving. |
PLN 100 PLN 99.90 when swap |
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Coi1029 4-year-old |
4-year bonds are bonds whose interest is based on inflation*. The interest rate in the first year of saving is 5.50%. In subsequent years, the interest rate is equal to inflation and permanent margin 1.50%. Interest is paid after each year of saving. |
PLN 100 PLN 99.90 when swap |
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Edo1035 10-year-old |
10-year bonds are bonds whose interest is based on inflation*. The interest rate in the first year of saving is 6.00%. In subsequent years, the interest rate is equal to inflation and permanent margin 2.00%. In the first year, the interest rate is calculated from PLN 100, and in subsequent years from the value increased by interest accrued for the previous year (so -called capitalization of interest). Interest is paid after saving. |
PLN 100 PLN 99.90 when swap |
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Ros1031 6-year-old Family bonds |
Family 6-year bonds are bonds intended for beneficiaries of the Family 800+ program. Their interest rate is preferential in relation to the bonds in the standard offer and is based on inflation*. The interest rate in the first year of saving is 5.70%. In subsequent years, the interest rate is equal to inflation and permanent margin 2.00%. In the first year, the interest rate is calculated from PLN 100, and in subsequent years from the value increased by interest accrued for the previous year (so -called capitalization of interest). Interest is paid after saving. |
PLN 100 |
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ROD1037 12-year-old Family bonds |
Family 12-year bonds are bonds intended for beneficiaries of the Family 800+ program. Their interest rate is preferential in relation to the bonds in the standard offer and is based on inflation*. The interest rate in the first year of saving is 6.25%. In subsequent years, the interest rate is equal to inflation and permanent margin 2.50%. In the first year, the interest rate is calculated from PLN 100, and in subsequent years from the value increased by interest accrued for the previous year (so -called capitalization of interest). Interest is paid after saving. |
PLN 100 |
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* The rate of growing prices of consumer goods and services, accepted for 12 months and announced by the President of the Central Statistical Office in the month preceding the first month of a given interest period.
The resort added that the margins of the retail papers have not changed. The announcement reminded that the interest rate on annual and 2-year bonds changes every month. It is calculated as the sum of the NBP reference rate and the margin, which is 0 percent. for annual bonds and 0.15 percent For 2-year-olds. The interest rate on 4-year bonds changes every year and is calculated on the basis of the sum of the inflation rate from the last 12 months and a margin of 1.5 percent. The same interest rate is also valid for 10-year bonds, but in this case the unchanged margin is 2 percent. In a similar way, the interest rate on retail bonds intended for the consumers of the 800+ program – except that the margin added to the inflation rate is 2 percent. for 6-year bonds and 2.5 percent For 12-year-old papers. (PAP)
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