On an income of 7 000 zł net a month, with the payment capped at 50% of income, you would get roughly 584 941–621 123 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 | 542 255–575 797 zł | 677 820–719 746 zł | 3 395–3 605 zł |
| 30 lat | 584 941–621 123 zł | 731 176–776 404 zł | 3 395–3 605 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 584 941–621 123 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.
