Blog
Creditworthiness in June 2026: How much mortgage can you get from Polish banks?
Introduction
Are you planning to pbuying an apartment or house in Poland? Then one of the first questions to find out is how much mortgage loan you can count on it.
Many buyers believe that all banks evaluate clients equally. In practice, this isn't the case. Even with the same income, the difference in creditworthiness can reach several hundred thousand zlotys. That's why it's important to check your financing options before choosing a property.
According to the latest credit report for June 2026, some banks are willing to provide significantly larger loan amounts than their competitors.
Why does creditworthiness differ between banks?
Each bank uses its own system for assessing borrowers.
The calculation takes into account:
- income amount;
- type of employment contract;
- number of family members;
- presence of children;
- current loans;
- credit history;
- amount of the down payment;
- loan term.
Therefore, a client who has been refused or given a low loan amount by one bank can often receive a much more advantageous offer from another.
Single borrower without children: how much can you expect?
For one person with a net income of PLN 7,000, the maximum creditworthiness in June 2026 was over PLN 620,000.
The best results were shown by:
BPS
About 624,000 zlotys.
ING Bank Śląski
About 543,000 zlotys.
mBank
About 541,000 zlotys.
This clearly shows how important it is to compare offers from several banks before applying.
PLN 10,000 Income: The Path to Owning an Apartment Is Getting Easier
With a net income of PLN 10,000, many banks are willing to finance the purchase of real estate worth around PLN 800,000–900,000.
BPS Bank took the lead, demonstrating a creditworthiness of almost PLN 900,000. ING, mBank, and BOŚ Bank also achieved high results.
For property buyers, this means a significantly greater choice of apartments and houses on the market.
A married couple without children
When two people take out a mortgage, creditworthiness increases significantly.
For a family income of PLN 20,000 net, the best banks offer over PLN 1.5 million in financing.
Leaders of June 2026
- mBank - about 1.56 million zlotys;
- ING Bank Śląski - about 1.55 million zlotys;
- Credit Agricole – about 1.51 million zlotys;
- BOŚ Bank - about 1.51 million zlotys.
A family with one child
The birth of a child increases family expenses, which are taken into account by the bank when calculating creditworthiness.
However, families with a net income of PLN 15,000 can still count on funding in excess of PLN 1 million.
Best deals
ING Bank Śląski
About 1.226 million zlotys.
VeloBank
About 1.195 million zlotys.
SBR
About 1.195 million zlotys.
A family with two children: who offers the highest prices?
In this category, the differences between banks become particularly noticeable.
With a net income of PLN 20,000, the maximum creditworthiness was:
ING Bank Śląski
About 1.676 million zlotys.
SBR
About 1.634 million zlotys.
VeloBank
About 1.634 million zlotys.
Pekao SA.
About 1.614 million zlotys.
The difference between the best and worst offers can reach several hundred thousand zlotys.
What can reduce your creditworthiness?
Even a good income does not guarantee receiving the maximum loan amount.
The most common reasons for a decrease in creditworthiness:
Credit cards
Even an unused limit reduces the available mortgage amount.
Consumer loans
Each commitment reduces the available limit.
Purchases on installment plan
Banks take into account all current financial obligations.
Delays in BIK
Even minor payment delays can negatively impact the bank's decision.
How to increase your chances of getting a mortgage?
Before contacting the bank, it is recommended:
- close unnecessary credit cards;
- pay off small loans and installments;
- prepare proof of income;
- save up a larger down payment;
- check your credit history.
Such actions often allow you to increase your creditworthiness by tens or even hundreds of thousands of zlotys.
Why is it important to check your credit before looking for an apartment?
One of the most common mistakes buyers make is choosing an apartment first and only then finding out how much the bank is willing to approve.
A preliminary credit check allows you to:
✔ determine a realistic purchase budget;
✔ choose the best bank;
✔ avoid rejections;
✔ get a loan decision faster;
✔ negotiate with the real estate seller more confidently.
Results
The June 2026 report shows that borrowers' options remain high. In many cases, clients can expect a mortgage loan in excess of 1 million zlotys, but the final amount varies greatly depending on the bank they choose.
If you're planning to purchase an apartment or house in Poland, Rutkowski Home specialists can help you check your creditworthiness for free, compare offers from leading banks, and find the optimal financing for your situation.
Needed free credit check? Contact me and find out, what loan amount you can get today.