On an income of 5 000 zł net a month, with the payment capped at 50% of income, you would get roughly 417 815–443 659 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 | 387 326–411 284 zł | 484 157–514 105 zł | 2 425–2 575 zł |
| 30 lat | 417 815–443 659 zł | 522 268–554 574 zł | 2 425–2 575 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 417 815–443 659 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.
