On an income of 12 000 zł net a month, with the payment capped at 50% of income, you would get roughly 1 002 756–1 064 782 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 | 929 581–987 081 zł | 1 161 977–1 233 851 zł | 5 820–6 180 zł |
| 30 lat | 1 002 756–1 064 782 zł | 1 253 445–1 330 977 zł | 5 820–6 180 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 1 002 756–1 064 782 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.
