- Banks usually allow up to 40% of net income for repayments after living costs.
- On PLN 6,000 net a single person can borrow about PLN 310,000 over 30 years.
- Card limits and other loans reduce capacity.
How banks calculate borrowing capacity
The bank checks what share of income can go on repayments (DSTI — usually up to 40%, up to 50% on higher incomes), deducts living costs per person and other commitments: loans, card and overdraft limits. It also stress-tests the payment with a rate buffer.
What lowers capacity
Credit card and overdraft limits — even unused, leases and instalment purchases, short employment, a residence card with short validity, income from several short contracts. Much of this can be fixed before applying.
How to increase capacity
Extend the term, close unused limits, add a co-borrower, consider a 5-year fixed rate (often a smaller buffer), and choose the bank that best counts your type of employment. We go through this in the consultation.
Capacity for foreigners
The rules are the same as for Poles, but the bank also looks at your residence status and card validity, job stability in Poland and income in PLN. Foreign income usually isn't counted.
Representative example (simulation, October 2026): loan amount PLN 459,000, collateral value PLN 510,000, term 30 years (360 equal instalments), variable rate 6.05952% (margin 2.51% + POLSTR 1M Compounded Rate 3.54952%), APRC (RRSO) 6.54%. First instalment PLN 2,769.53, last PLN 2,765.41. Total cost of credit PLN 556,464.26, including: interest PLN 538,026.68, commission PLN 0.00, life, health and job-loss insurance PLN 13,328.18 (first premium PLN 229.50, then 0.05% of the balance monthly, for 5 years), property insurance PLN 5,090.40 (whole term), PCC tax PLN 19.00. Total amount payable PLN 1,015,464.26. Changes in the POLSTR index affect the instalment. Final terms depend on the bank and the credit assessment.