Check your credit capacity in Poland
Find out how much mortgage you can get. Analysis based on your income and obligations.
Capacity calculator
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Your estimated creditworthiness
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Frequently asked questions about creditworthiness in Poland
How is creditworthiness calculated in Poland?
Enter your net monthly income and fixed obligations (loan installments, card limits, alimony). The calculator follows the methodology used by Polish banks and shows an estimated mortgage amount you could obtain.
What affects my creditworthiness?
The key factors are: the amount and source of income, household size, current obligations, your history in BIK (the Polish credit bureau), the loan period and your down payment. Each bank calculates it differently, so comparing several banks pays off.
Can a foreigner get a mortgage in Poland?
Yes. The key requirements are legal residence (residence card or permit), stable income in Poland and a credit history. Bank requirements for foreigners vary a lot - I know which banks are the most open and will help you choose. Book a free consultation.
How can I increase my creditworthiness?
Pay off or consolidate obligations, extend the loan period, add a co-borrower or increase your down payment. Banks value stable income from an employment contract (umowa o pracę) the most.
How accurate is this calculator?
It gives a reliable estimate based on banking standards, but the final decision is always made by the bank after a full analysis. To see real offers from a dozen banks, book a free consultation - my help is free for you.
How long does a credit decision take?
From submitting a complete application to the decision it usually takes from a few to over ten working days, depending on the bank. You can compare bank terms on the mortgage comparator page.