On an income of 4 000 zł net a month, with the payment capped at 50% of income, you would get roughly 334 252–354 928 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 | 309 861–329 027 zł | 387 326–411 284 zł | 1 940–2 060 zł |
| 30 lat | 334 252–354 928 zł | 417 815–443 659 zł | 1 940–2 060 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 334 252–354 928 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.
