Are you planning to buy an apartment or house in Poland? through a mortgage?
Then the first thing the bank will check is yours creditworthiness (zdolność kredytowa).

It depends on her:

• will you be approved for a loan?
• what amount will the bank give
• at what percentage
• What will the monthly payment be?

In this article we will look at, How to improve your creditworthiness in Poland before applying, to get more money and better conditions.

What is creditworthiness and how does a bank calculate it?

Creditworthiness is the borrower's ability to repay a loan regularly.

The bank analyzes:

• income size (net)
• type of contract (umowa o pracę, B2B, zlecenie)
• work experience
• current loans and installments
• card limits
• history in BIK
• number of dependents
• age

It is important to understand:
Even a high income does not guarantee a large loan amount if there are errors in the financial structure.

1️⃣ Check your BIK history

BIK (Biuro Informacji Kredytowej) - this is the main factor.

The bank looks at:

• were there any delays?
• How many active loans
• How long have you been using financial products?
• your scoring

What you need to do:

✔ check the report BIK in advance
✔ close overdue payments
✔ make sure there are no errors
✔ Do not submit multiple applications at the same time

Even one delay of more than 30 days can reduce your chances.

2️⃣ Pay off any excess loans and installment plans

A very common mistake is that people do not count small obligations.

The bank takes into account:

• installment plan for a phone
• equipment loan
• credit card
• overdraft limit

Even if you don't use them - the limit still reduces your creditworthiness.

Example

A card limit of 20,000 zł can “eat up” 400–600 zł of potential mortgage.

If you close the map - The loan amount may increase by 30–70 thousand zł.

3️⃣ Increase your official income

The bank takes into account only official income.

If you:

• you receive part of it "in an envelope"“
• have you been working recently?
• changed jobs

- this may reduce the loan amount.

What helps:

✔ at least 3-6 months at the current place of work
✔ unlimited contract (umowa o pracę na czas nieokreślony)
✔ stable income without sudden fluctuations

For entrepreneurs, profit for the last 12–24 months is important.

4️⃣ Increase your down payment

The minimum contribution is usually 10-20%.

But the higher the contribution, the:

• lower bank risk
• better percentage
• higher chance of approval
• lower monthly payment

Sometimes the difference between a 10% and a 20% installment can result in savings of tens of thousands of zlotys over the loan term.

5️⃣ Don't apply to all banks yourself

This is a critical point.

Each application is reflected in BIK.
If a bank sees 5–6 requests per month, this looks like financial problems.

The right strategy:

✔ preliminary calculation
✔ selection of 1–2 optimal banks
✔ submitting an application through an expert

6️⃣ Optimize your family's financial structure

If you are applying for a loan together:

• sometimes it's more profitable to serve together
• sometimes - only for one person

It all depends on:

• obligations of the second spouse
• number of children
• forms of employment

Correct calculation can increase the loan amount by PLN 100,000 or more.

7️⃣ Choose the right moment to serve

The bank evaluates:

• stability of work
• duration of stay in Poland (for foreigners)
• age
• loan term

Sometimes it is enough to wait 2-3 months to significantly improve conditions.

Common mistakes before applying for a mortgage

❌ Take out a new furniture loan
❌ Increase the card limit
❌ Change your work before submitting
❌ Submit applications to all banks
❌ hide obligations

Any of these errors may result in failure.

How much can you increase your creditworthiness?

Real examples:

• installment plan closing → +40,000 zł
• credit card closure → +60,000 zł
• adding a co-borrower → +120,000 zł
• Increased contribution → better terms and lower payment

In total, the difference can reach 150,000–250,000 zł.

Want to know your real creditworthiness?

Before applying for a mortgage, it is important to have a professional estimate done.

You will learn:

• What amount will the bank actually approve?
• what will the payment be?
• How to increase your credit limit
• Which bank should I choose?
• what documents to prepare

The consultation is free and without obligation.

Leave a request — and get a personalized quote today.