On an income of 10 000 zł net a month, with the payment capped at 50% of income, you would get roughly 835 630–887 318 zł of credit (at 5,70%). This is indicative — the real figure depends on the bank and your situation.
| Term | Max. loan | Max. price (20% down) | Payment |
|---|---|---|---|
| 25 lat | 774 651–822 567 zł | 968 314–1 028 210 zł | 4 850–5 150 zł |
| 30 lat | 835 630–887 318 zł | 1 044 538–1 109 148 zł | 4 850–5 150 zł |
Real borrowing power depends on the size of your household, other obligations (loans, cards, limits), your form of employment and each bank’s policy.
Roughly 835 630–887 318 zł over 30 years, with the payment capped at 50% of income. The real figure depends on the bank.
Other instalments and card limits, the number of dependants, a short income history, and your form of employment.
Pay off cards and limits, take a longer term, apply jointly, put down a larger deposit.
No — banks use different models. That is why it pays to compare several offers.
Zespół Lendean · Doradcy kredytowi
Sources: NBP, GPW Benchmark (WIBOR). Indicative calculations; not an offer or advice.
Data updated: 2026-08-31.
