On an income of 20 000 zł net a month, with the payment capped at 50% of income, you would get roughly 1 671 260–1 774 636 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 | 1 549 301–1 645 135 zł | 1 936 627–2 056 419 zł | 9 700–10 300 zł |
| 30 lat | 1 671 260–1 774 636 zł | 2 089 075–2 218 297 zł | 9 700–10 300 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 1 671 260–1 774 636 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.
