Buying your own home is one of the most important financial decisions. One of the first questions every prospective apartment or house owner asks themselves is: on What mortgage amount can I expect??

In this article we will discuss:

• How banks assess creditworthiness;
• what amounts can be obtained with different incomes;
• Which banks offer the highest creditworthiness?;
• what influences the bank's decision.

What is creditworthiness?

Creditworthiness (Polish). zdolność kredytowa) is the maximum loan amount that the bank is willing to provide to the borrower.

The calculation takes into account:

• official income;
• number of family members;
• presence of children;
• current loans;
• monthly expenses;
• loan term;
• down payment;
• type of employment contract.

According to the report, the calculations were made for a loan with a term of 25 years (300 months) with a down payment of up to 20% (LTV up to 80%). All examples are based on the situation where borrowers are employed under an employment contract (Umowa o pracę), have no other loans, and families with children receive benefits. 800+, if a particular bank takes it into account when calculating creditworthiness.

Mortgage for one person

If the borrower lives alone, the loan amount directly depends on the level of net income.

For example:

Income 5,000 zł net

Maximum values among banks:

• Alior Bank - about 371,000 zł
• Credit Agricole - about 370,000 zł
• Erste Bank Polska - approx. 365,000 zł

Minimum offers started at around 276–309 thousand zł.

Income 7,000 zł net

With such income, many banks are already ready to provide more 500 thousand zł.

The best results were shown by:

• ING Bank Śląski — 577,000 zł
• VeloBank — 558,000 zł
• Alior Bank — 550,000 zł

Income 10,000 zł net

The maximum amounts are approaching 800 thousand zł.

Among the leaders:

• ING Bank Śląski — 825,000 zł
• VeloBank — 798,000 zł
• Bank Ochrony Środowiska — 777,000 zł

Income 13,000 zł net

Some banks are already willing to finance the purchase of real estate worth over a million zł.

Best results:

• Bank Ochrony Środowiska — 1,166,000 zł
• ING Bank Śląski — 1,072,000 zł
• VeloBank — 1,037,000 zł

Family without children (2 adults)

If two people take out a mortgage, their creditworthiness increases significantly.

With total income:

8,000 zł net

Maximum offers:

• Credit Agricole — 590,000 zł
• Erste Bank Polska — 583,000 zł
• mBank — 575,000 zł

11,000 zł net

Best deals:

• ING Bank Śląski — 908,000 zł
• VeloBank — 863,000 zł
• mBank — 858,000 zł

15,000 zł net

Some banks are already ready to issue more 1.2 million zł.

Leaders:

• ING Bank Śląski — 1,238,000 zł
• VeloBank — 1,197,000 zł
• mBank — 1,170,000 zł

Income 20,000 zł net

Maximum creditworthiness exceeds 1.6 million zł.

Best indicators:

• ING Bank Śląski — 1,650,000 zł
• VeloBank — 1,568,000 zł
• mBank — 1,559,000 zł

A family with one child

The birth of a child increases family expenses, so some banks reduce the available loan amount.

However, at high incomes the difference becomes less noticeable.

For example, with income 20,000 zł net:

• ING Bank Śląski — 1,716,000 zł
• VeloBank — 1,660,000 zł
• Pekao SA — 1,575,000 zł
• BPS — 1,564,000 zł

A family with two children

With two children, the impact of family expenses becomes even more noticeable.

However, many banks continue to offer very high credit ratings.

With income 20,000 zł net:

• ING Bank Śląski — 1,782,000 zł
• VeloBank — 1,723,000 zł
• SBR — 1,634,000 zł
• BPS — 1,621,000 zł

Why do the amounts differ in different banks?

Many people are surprised why, with the same income, one bank is willing to provide a loan of almost a million zł, while another is willing to provide significantly less.

The reasons are quite simple.

Each bank uses its own risk assessment model.

In addition, banks take into account differently:

• family maintenance expenses;
• allowance 800+;
• age of borrowers;
• type of employment contract;
• additional banking products;
• internal requirements for financial burden.

That's why it's always worth comparing offers from several banks before submitting documents.

Is it possible to find out your creditworthiness in advance?

Yes.

Professional mortgage broker can calculate in advance:

• approximate loan amount;
• probability of approval;
• banks with the highest chances;
• optimal application submission strategy.

This allows you to avoid unnecessary refusals and increase the likelihood of receiving a positive decision.

It is important to remember

All the figures given above are model calculations, performed for typical households under certain conditions. Real creditworthiness Each client's needs are determined individually and depend on many factors: income level, type of employment, credit history, age, family composition, existing obligations, and the requirements of a particular bank.

Need help with a mortgage in Poland?

If you are planning to buy an apartment or house in Poland and want to know, what loan amount can you get?, we are ready to help.

We provide mortgage lending and free assistance:

• calculate real creditworthiness;
• compare offers from different banks;
• choose the most profitable mortgage;
• prepare documents;
• accompany the transaction until the loan is received.

Contact us – we'll help you choose the best bank and get a mortgage with the most favorable terms.