In short
- For a PLN 400,000 loan a single person needs about PLN 7,000 net, a couple about PLN 8,700 combined (30 years).
- Banks usually allow up to 40% of income for repayments after living costs.
- Card limits and other loans reduce capacity.
- Results vary by bank — by tens of thousands of zloty.
Table: income vs loan amount (30 years)
- PLN 300,000 — single approx. PLN 5,800, couple approx. PLN 7,500 net
- PLN 400,000 — single approx. PLN 7,000, couple approx. PLN 8,700 net
- PLN 500,000 — single approx. PLN 8,200, couple approx. PLN 10,000 net
- PLN 600,000 — single approx. PLN 9,450, couple approx. PLN 11,200 net
Estimates from our capacity model, with no other commitments. Check your own result in the calculator.
How banks calculate capacity
From net income the bank deducts living costs (per person) and other repayments. From what remains it calculates the maximum instalment — usually no more than 40% of income (up to 50% for higher earners), stress-tested with a rate buffer.
If your capacity falls short
- Extend the term to 30–35 years
- Close unused cards and limits
- Add a co-borrower
- Consider a 5-year fixed rate
- Choose a bank that better counts your income type
Specifics for foreigners
Income in PLN from Poland counts. Short employment or a soon-to-expire card may narrow the choice of banks but doesn't rule out a mortgage.