2025-11-24 15:36
publication
2025-11-24 15:36
The Ministry of Finance is lowering the interest rates on retail bonds that will be sold in December. In most cases, the interest rate will drop by 0.25 points. percent – according to the ministry's announcement on Monday.
“In December, we again adjust the interest rates on savings bonds to market conditions. At the same time, in the case of floating-rate instruments, we keep margins unchanged in subsequent interest periods,” said Deputy Minister Jurand Drop, quoted in Monday's press release from the Ministry of Finance.
The Ministry of Finance announced that in December the interest rate on 3-month fixed-rate bonds will be 2.5%. (in November it was 2.75%). The coupon of annual floating-rate bonds based on the NBP reference rate will be 4.25%. (previously 4.5%), and two-year ones – 4.4%. in the first monthly interest period (previously it was 4.65%). The 3-year bonds sold in December will bear an interest rate of 4.65%. (in November it was 4.9%). 4-year bonds will have a coupon of 5% in the first annual saving period. (previously 5.25%), and 10-year bonds – 5.6%. (previously 5.75%).
Designated for beneficiaries of the “Rodzina 800 plus” program, 6-year bonds sold in December will have an interest rate of 5.2%. (previously 5.45%), and 12-year bonds will have a coupon of 5.85%. (previously 6%).
The Ministry of Finance reminded that the interest rates on one-year and two-year bonds change every month. It is calculated as the sum of the reference rate of the National Bank of Poland and the margin and in the case of instruments offered in December is 0%. for 1-year bonds and 0.15 percent for 2-year-olds. The interest rate on 4-year bonds changes every year and is calculated based on the sum of the inflation rate from the last 12 months and a margin of 1.5%.
The same interest rate mechanism also applies to 10-year bonds, but in this case the margin remains unchanged at 2%. The preferential margins for family bonds also remain unchanged, the interest rates of which are calculated according to the same principles as in the case of 4- and 10-year bonds and amount to 2%, respectively. for 6-year bonds and 2.5 percent for 12-year-olds.
“December is the last month in which people interested in saving for their future retirement can buy retail Treasury instruments within this year's limit on the IKE-Obligacje and IKZE-Obligacje Accounts. Within the IKE limit of PLN 26,019, you can buy 260 bonds. After meeting the statutory conditions, the so-called Belka tax is not charged on the profit earned on the IKE-Obligacje Account. The amount of payments to IKZE is PLN 10,407.60, which corresponds to 104 bonds, and in the case of persons conducting non-agricultural activities, the amount of payments is higher and amounts to PLN 15,611.40, which can be used to purchase 156 bonds,” said Deputy Minister Jurand Drop, quoted in the release. (PAP)
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