In 2026, the mortgage market in Poland continues to change rapidly. Banks are tightening requirements, interest rates remain elevated, and the differences in creditworthiness between banks are becoming increasingly noticeable.

In this article you will learn:

• How much will banks actually offer in 2026?
• which creditworthiness with different incomes
• How banks count clients
• and how to get the maximum loan amount

What is creditworthiness?

Creditworthiness is the amount of money a bank is willing to lend you to purchase real estate.

It depends on:

• income
• number of people in the family
• forms of employment
• credit history
• current liabilities

❗ Important: the difference between banks can reach even 200,000 – 300,000 zł

Creditworthiness in 2026 – real figures

🧍‍♂️ One person (income around 5000 zł)

Average creditworthiness:

• from 269,000 zł to 375,000 zł

Best banks:

• ING: about 564,000 zł
• PKO BP: about 550,000 zł
• mBank: about 536,000 zł

👉 The difference is huge – and most customers don’t even know it.

👨‍👩 A couple without children (income around 8,000 PLN)

Average values:

• from 447,000 zł to 575,000 zł

Best deals:

• ING: about 889,000 zł
• mBank: about 853,000 zł
• Santander: about 785,000 zł

👨‍👩‍👧 Family with a child

Creditworthiness is reduced by expenses:

• fall: 50,000 – 150,000 zł

Example:

• it was about 570,000 zł
• became about 480,000 zł

👉 Some banks take into account 800+, which can partially offset the decrease.

👨‍👩‍👧‍👧 A family with two children

Here the spread is even greater:

• minimums: about 185,000 zł
• maximums: up to 950,000 zł

Examples:

• VeloBank: about 951,000 zł
• ING: about 736,000 zł

Why do banks give different amounts?

1. Different evaluation models

Each bank evaluates its clients in its own way.

2. Different living expenses

One bank deposits 1500 zł
Another one - even 3000 zł

3. Income approach

Not all banks take into account:

• awards
• bonuses
• działalność gospodarcza

How to increase creditworthiness?

✔ Close credit cards and limits
✔ Combine income
✔ Choose the right bank
✔ Prepare documents

👉 This could even give you +100,000 zł

The main mistake clients make

Contacting one bank without analysis.

Result:

• refusal
• understated amount
• worst conditions

Although you can get significantly more in another bank.

Why should you contact me?

As a loan officer:

✔ I analyze your situation
✔ I compare bank offers
✔ I select the best solution
✔ I increase creditworthiness
✔ I guide the client through the loan process

👉 You don't pay for the consultation—the bank does.

📞 Want to know your creditworthiness?

Write to me - I:

• I'll calculate the exact amount
• I will select the best bank
• I'll show you the real rate

👉 I work online throughout Poland