In Polish: Zdolność kredytowa
This is the word you will see in bank documents.
Definition
Creditworthiness (zdolność kredytowa) is the highest loan amount the bank believes you can repay from your income over the whole term of the agreement. The bank deducts living costs and instalments of other debts from your net income, and calculates the new loan's instalment at a rate increased by a buffer. Each bank has its own model, so the same person gets different amounts at different banks.
What it means for you
Creditworthiness sets the upper limit of the price you can afford together with your down payment. Card limits, 0% instalment plans, the number of dependants and a short loan term lower it. A second borrower with income, a longer term and, at some banks, a rate fixed for at least 5 years raise it. Check it before signing a preliminary agreement and paying a deposit.
Full entry in Polish, with a worked example and sources
Frequently asked questions
How is creditworthiness calculated?
Deduct living costs and other instalments from your net income. What is left, capped at 40–50% of income, is the maximum instalment. The bank converts it into a loan amount at a rate higher by a buffer of at least 2.5 percentage points.
Why does every bank give a different result?
Only supervisory rules, such as the buffer and Recommendation S, are common. Living costs, how income is counted, the DSTI limit and the maximum term are set by each bank.
Does a credit card I do not use lower my creditworthiness?
Yes. The bank counts a monthly charge on the whole limit, usually a few percent, even with a zero balance. Closing an unnecessary card before applying raises your creditworthiness.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Creditworthiness and down payment”