How much can I borrow? Mortgage affordability calculator for Poland
Enter your net income, the instalments you already pay and the loan term. You will see the amount Polish banks may lend you, the instalment, what each bank’s published terms change, and what would raise the amount. No phone call, no credit check.
Your result
You could borrow about
Check how much 14 banks will lend youFree of charge, with no credit bureau check. A KNF-registered expert compares how much each bank will lend you.
| Instalments up to | Instalment | Loan |
|---|
Together or alone
- Net income used
- Current commitments
- Living costs
- Left after the new instalment and expenses
- Property with a 20% down paymentloan + down payment
An illustration. Details
Every bank uses its own affordability model, and results can differ by several tens of per cent. It is not an offer, a representative example or a lending decision. The bank makes the decision.
How much each bank may lend
Your figures, calculated separately for each bank. Details
The differences come only from terms the banks publish: the longest loan term, the age at the last instalment and the interest rate in the representative example for the rate type you chose. What a bank does not publish we calculate the same for all and mark as an assumption.
| Bank | Loan | Instalment | Term | Interest rate |
|---|
Assumptions and sources. Details
The same for all banks (banks do not publish these): instalments up to 40% of income (the 50% variant below the amount), living costs as in the result above, a 2.5 pp rate buffer (for a rate fixed for 5+ years only in the living-costs test). Terms from bank documents checked on 26 October 2026; quotes and sources are on the bank calculator pages (in Polish). An estimate, not an offer or a lending decision. Every bank has its own model and decides after you apply.
Why applying together helps
The same figures, calculated for you together and for each of you alone. Details
Alone means as if each of you were buying alone: only their income and commitments, in a household without the other person.
| Item | Person 1 alone | Person 2 alone | Together |
|---|
What would raise the amount
What the bank will look at
Representative example (in Polish):
Przykład reprezentatywny: 520 000 zł na 30 lat, rata 3021 zł, RRSO 5,97%, całkowity koszt 579 096 zł, do zapłaty 1 099 096 zł. Szczegóły
Przykład reprezentatywny na 6 listopada 2026: całkowita kwota kredytu 520 000 zł, okres 30 lat (360 równych rat po 3021 zł), oprocentowanie zmienne 5,71% (WIBOR 3M 3,89% (fixing 6.11.2026) + średnia marża rynku 1,82% (AMRON-SARFiN, II kw. 2026)), RRSO 5,97%, całkowity koszt kredytu 579 096 zł (odsetki 567 696 zł, wycena nieruchomości 600 zł, ubezpieczenie nieruchomości 30 zł miesięcznie: 10 800 zł, prowizja 0 zł), całkowita kwota do zapłaty 1 099 096 zł. Zabezpieczenie: hipoteka na nieruchomości o wartości 650 000 zł, wkład własny 20%.
Ryzyko zmiany stopy. Przy oprocentowaniu zmiennym rata zmienia się razem ze wskaźnikiem (WIBOR, od 2027 r. w nowych umowach POLSTR). Gdy wskaźnik wzrośnie o 3 p.p., rata z przykładu wyniesie 4076 zł, czyli o 1055 zł więcej.
Kalkulator jest szacunkiem poglądowym, nie ofertą w rozumieniu Kodeksu cywilnego ani decyzją kredytową. Oprocentowanie, marżę, prowizję, ubezpieczenia i RRSO ustala bank po ocenie zdolności kredytowej.
How much can I borrow on my salary in Poland?
Indicative loan amount for the net income of the whole household (for a couple, both salaries together), with no other instalments or card limits. Interest rate 6.06% fixed for 5 years (the lowest in our comparison of banks), 30 years, equal instalments. The lower amount is at the 40% instalment-to-income limit, the higher at 50%.
| Net income | 1 person | 3 people | 4 people |
|---|---|---|---|
| PLN 3,000 net | PLN 185,000–PLN 210,000 | PLN 12,000 | PLN 0 |
| PLN 4,000 net | PLN 246,000–PLN 308,000 | PLN 135,000 | PLN 37,000 |
| PLN 5,000 net | PLN 308,000–PLN 385,000 | PLN 259,000 | PLN 160,000 |
| PLN 6,000 net | PLN 370,000–PLN 462,000 | PLN 370,000–PLN 383,000 | PLN 284,000 |
| PLN 6,500 net | PLN 401,000–PLN 501,000 | PLN 401,000–PLN 444,000 | PLN 345,000 |
| PLN 7,000 net | PLN 432,000–PLN 540,000 | PLN 432,000–PLN 506,000 | PLN 407,000 |
| PLN 7,500 net | PLN 462,000–PLN 578,000 | PLN 462,000–PLN 568,000 | PLN 462,000–PLN 469,000 |
| PLN 8,000 net | PLN 493,000–PLN 617,000 | PLN 493,000–PLN 617,000 | PLN 493,000–PLN 531,000 |
| PLN 8,500 net | PLN 524,000–PLN 655,000 | PLN 524,000–PLN 655,000 | PLN 524,000–PLN 593,000 |
| PLN 9,000 net | PLN 555,000–PLN 694,000 | PLN 555,000–PLN 694,000 | PLN 555,000–PLN 654,000 |
| PLN 10,000 net | PLN 617,000–PLN 771,000 | PLN 617,000–PLN 771,000 | PLN 617,000–PLN 771,000 |
| PLN 12,000 net | PLN 740,000–PLN 925,000 | PLN 740,000–PLN 925,000 | PLN 740,000–PLN 925,000 |
| PLN 15,000 net | PLN 925,000–PLN 1,157,000 | PLN 925,000–PLN 1,157,000 | PLN 925,000–PLN 1,157,000 |
| PLN 20,000 net | PLN 1,234,000–PLN 1,543,000 | PLN 1,234,000–PLN 1,543,000 | PLN 1,234,000–PLN 1,543,000 |
People means the whole household, including children. Details
From average incomes upwards the amount follows the 40–50% instalment limit. With a low income and a larger family, the living costs the bank deducts decide, so the amount falls or both limits give the same figure.
How Polish banks decide how much you can borrow
- Instalments up to 40% or 50% of net income. The supervisor’s Recommendation S sets 40% for income up to the regional average and 50% above it. This covers all your instalments, including car loans and card limits.
- A buffer for rising rates. With a variable rate the bank checks the instalment at a rate at least 2.5 percentage points higher. With a rate fixed for 5 years or more, the buffer applies to the living-costs test.
- Living costs. After the new instalment there must be enough left to live on. Each bank uses its own amounts per person, so the same income gives different results.
- Age and term. Most banks want the loan repaid by the age of 70–80. Above a 25-year term the amount no longer grows: the bank assesses you as if the loan were for 25 years.
What is different for foreigners
- Income in złoty. Banks count income in PLN, usually from work in Poland. Income in another currency is accepted only by some banks, often reduced. Choose “Income from abroad” to see what the bank will look at.
- Residence status. With a temporary residence card some banks shorten the term to the card’s validity or ask for a higher down payment. EU citizens show the certificate of registration of residence instead of a residence card.
- Time in your job. Banks look at how long you have had your current income. Self-employment usually needs at least 12 months of history; for B2B some banks accept a few months with one client, others want 12.
How we calculate
From net income we deduct your instalments, maintenance and 3% of card and overdraft limits. All instalments together must fit within 40% of income (50% above the regional average), and after the new instalment, tested at a higher rate, enough must remain for living costs. We round the amount down to PLN 1,000. The model does not include your BIK history, fees, insurance or how a particular bank treats self-employed income.
Frequently asked questions
How much can I borrow for a mortgage in Poland?
It depends on your net income, the instalments you already pay, the number of people in your household, the term and the interest rate. As a rule of thumb, all your instalments together may take 40% of net income (50% above the regional average), and enough must be left to live on. The calculator shows a range for both limits.
Can a foreigner get a mortgage in Poland?
Yes. Most Polish banks lend to foreigners with a residence card or EU registration, a PESEL number and income in złoty. The rules differ between banks, which is why choosing the right bank matters. See our guide to mortgages for foreigners.
Does a Polish bank count income from abroad?
Only some banks do, usually with a higher down payment and sometimes at a reduced value. Income from a Polish employer or a Polish business is counted by all banks. If part of your income is from abroad, enter only the part in złoty first, then ask an expert which banks will count the rest.
Why does each bank give a different amount?
Banks estimate living costs differently, treat self-employed, B2B and foreign income differently, and set different maximum ages at the end of repayment. The same figures can give amounts that differ by several tens of per cent between two banks.
Does an unused credit card lower how much I can borrow?
Yes. The bank treats the limit as a commitment, usually 3–5% of the limit a month, even with a zero balance. Closing unused cards and overdrafts before you apply often raises the amount by tens of thousands of złoty.
Does a 35-year term let me borrow more than 30 years?
No. For terms longer than 25 years, Polish banks assess you as if the loan were for 25 years (Recommendation S, point 7.2). A 30 or 35-year term lowers the instalment, not the loan amount, and the total interest goes up.
Does using the calculator affect my credit history?
No. The calculator runs in your browser, does not send your figures anywhere and does not check any database. The bank checks BIK only after you apply.
This guide describes general rules and typical bank practice as of October 2026. Details
It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.