{
  "model": "wykonczenie-v1-20261101",
  "published": "2026-11-01",
  "currency": "PLN",
  "assumptions": {
    "property_price": 600000,
    "finishing_budget": 80000,
    "own_funds_each": 136000,
    "own_funds_purchase": 120000,
    "own_funds_finishing": 16000,
    "a_mortgage": 480000,
    "a_cash_loan": 64000,
    "b_mortgage": 544000,
    "mortgage_annual_nominal_rate": 0.06,
    "cash_annual_nominal_rate": 0.1,
    "mortgage_months": 300,
    "cash_months": 60,
    "disbursement": "all_at_start",
    "payments": "end_of_month",
    "monthly_rounding": false,
    "excluded": [
      "fees",
      "insurance",
      "taxes",
      "rate_changes",
      "prepayments",
      "interest_on_retained_cash",
      "property_value_changes",
      "staged_disbursements"
    ]
  },
  "results": {
    "monthly_a_first60": 4452.457588651643,
    "monthly_b": 3504.999624081199,
    "monthly_relief_b_first60": 947.4579645704443,
    "monthly_extra_b_after60": 412.35289695072925,
    "cash_finishing_interest": 17588.65169127038,
    "mortgage_finishing_interest": 59705.86908521877,
    "extra_nominal_interest_b": 42117.21739394839,
    "interest_a_total": 465382.6698303955,
    "interest_b_total": 507499.88722434203,
    "month60": {
      "payments_a": 267147.4553190988,
      "payments_b": 210299.97744487177,
      "balance_a": 431674.0167155511,
      "balance_b": 489230.5522776245,
      "less_paid_b": 56847.477874227014,
      "extra_debt_b": 57556.535562073404,
      "interest_a": 154821.4720346486,
      "interest_b": 155530.52972249567,
      "extra_interest_b": 709.0576878470602
    },
    "same_60_months_at6_payment": 1237.2992978834095,
    "same_60_months_at6_interest": 10237.957873004576
  },
  "row_count": 301,
  "convention": "Month 0 is own funds; remaining rows show payments and balances after payment. Differences are B minus A. Model only; no promise of bank approval, LTV valuation or rates.",
  "sources": [
    "https://www.pekao.com.pl/poradnik-kredytowy/jakich-dokumentow-potrzebujesz-aby-ubiegac-sie-o-kredyt-hipoteczny.html",
    "https://www.pkobp.pl/api/default/9ebdf9f4-23cf-4c5f-bff5-46bfc5aa4f74.pdf"
  ]
}