In Polish: DTI
This is the word you will see in bank documents.
Definition
DTI (debt to income) is the ratio of all your debt to your income, usually annual, given as a multiple of income or a percentage. A PLN 450,000 loan with an annual net income of PLN 96,000 gives a DTI of about 4.7. In Polish texts, including older discussions of Recommendation S, the abbreviation DtI often meant the ratio of instalments to income, which is now called DSTI.
What it means for you
In Poland the loan amount is decided mainly by the instalment-to-income limit (DSTI), not by DTI. DTI does show well how large a debt you take on relative to your earnings and how long you will repay it. If a bank mentions DTI, ask whether it means instalments or the whole debt relative to income.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What does DTI mean for a mortgage?
It is the ratio of all debt to income, usually annual. In Poland the abbreviation is also used for the ratio of instalments to income, i.e. DSTI.
What DTI is safe?
There is no single limit. Polish banks mainly apply the instalment-to-income limit, usually 40–50% of net income, calculated with an interest rate buffer.
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”