In short
- A PLN 3,000 payment over 30 years at 5.08% means a loan of about PLN 553k.
- PLN 2,000 a month over 30 years means about PLN 369k.
- Savings must cover at least a 10% down payment plus buying costs.
Why start from the payment
Most people know what they can pay each month — often what they pay in rent today. This calculator reverses the usual maths: from the payment and term it works out the loan, and from your savings the maximum property price.
The role of savings
Banks require at least 10% down (often 20% for the best rate), and you also need to cover buying costs — notary, taxes, fees. If savings fall short, the down payment, not the instalment, is your limit.
Will the bank lend that much?
The payment you want is one thing; borrowing capacity is another. The bank checks income, household size and other debts. After this calculator, check your capacity or get a mortgage passport.