Creditworthiness (zdolność kredytowa)
The bank's assessment of how large a loan you can safely repay given your income, expenses and commitments. It determines whether you get a loan and for what amount.
The bank takes into account, among other things, the amount and source of your income, job stability, the number of people in your household, living costs, other instalments and your BIK history. Each bank calculates creditworthiness using its own method, so results at different banks can differ significantly.