You earn, for example, 11,000 zł net per month and you want Buy an apartment in Poland.

Logical question:

How much mortgage can I expect?

Many expect a simple answer:

«With this income they will give approximately 600-700 thousand.».

But the latest credit report for August 2026 shows that in reality everything is much more complicated.

Depending on:

• family composition,
• number of children,
• selected bank,
• income level,
• bank policies,

difference in available amount loan may constitute hundreds of thousands of zlotys.

And in some situations one bank may say:

«"Maximum 135,000 zł.".

And another one with the same model parameters:

«"Up to 400,000 zł.".

At higher incomes, the difference becomes even more noticeable.

I have analyzed the current one Raport zdolności kredytowej ANG for August 2026, based on calculations carried out August 11–13, 2026, and collected the most interesting conclusions.

First, the important thing: what exactly was being compared?

This is not an advertising table from one bank.

The report compares creditworthiness across banks that partner with ANG Odpowiedzialne Finanse.

The same model conditions were adopted for the calculations:

• income - umowa o pracę;
• no other financial obligations;
• credit period - 300 months, that is 25 years;
• LTV — up to 80%;
• additional products required by the bank are taken into account;
• For families with children, the allowance is taken into account in the calculations 800+, if a particular bank takes it into account when calculating creditworthiness.

The report examines four types of households:

1+0

One adult, no children.

2+0

Two adults, no children.

2+1

Two adults and one child.

2+2

Two adults and two children.

And this is where the really interesting differences begin.

One person with an income of 5,000 zł: where will they give more?

Let's start with the simplest option:

One adult, no children.

With income:

5,000 zł netto

The estimated creditworthiness is as follows:

Bank	Estimated loan amount
Credit Agricole	374,000 zł
BPS	370,000 zł
Alior Bank	361,000 zł
Erste Bank Polska	355,000 zł
ING Bank Śląski	350,000 zł
PKO BP	337,000 zł
BNP Paribas	308,000 zł
Bank Millennium	306,000 zł
mBank	303,000 zł
VeloBank	302,000 zł
SBR	291,000 zł
Bank Ochrony Środowiska	290,000 zł
Pekao SA	246,000 zł

The difference between Credit Agricole и Pekao SA is:

128,000 zł.

That is, a person can only contact one bank and hear:

«"Yours maximum creditworthiness - about 246 thousand.".

And decide:

«"That means I can't buy an apartment that's more expensive.".

Although another bank with the same model parameters may show creditworthiness of about 374 thousand zł.

This is why going to just one bank isn't always the best strategy.

Net income of 7,000 zł: the difference becomes even more noticeable

For one person with income:

7,000 zł netto

The maximum values in the model look like this:

• BPS — 612,000 zł;
• ING Bank Śląski – 570,000 zł;
• VeloBank — 550,000 zł;
• Bank Ochrony Środowiska - 544,000 zł;
• SBR — 530,000 zł;
• Credit Agricole - 526,000 zł;
• Alior Bank — 506,000 zł;
• Erste Bank Polska - 497,000 zł;
• PKO BP — 489,000 zł;
• Pekao SA — 470,000 zł;
• Bank Millennium - 454,000 zł;
• mBank — 452,000 zł;
• BNP Paribas — 438,000 zł.

Difference between maximum and minimum result:

174,000 zł.

With the same income.

With the same type of employment.

In the absence of other obligations.

That's why the question is:

«"Which bank gives me the best credit?"»

in practice it is much more important than just:

«"Which bank has the lowest interest rate right now?"»

Because first you need to get the required amount.

Married couples without children: the situation is changing

Now let's consider two adults without children.

Total income:

8,000 zł netto

Results:

Bank	Maximum creditworthiness
Credit Agricole	596,000 zł
SBR	556,000 zł
Erste Bank Polska	553,000 zł
mBank	548,000 zł
ING Bank Śląski	542,000 zł
VeloBank	540,000 zł
Alior Bank	524,000 zł
BNP Paribas	502,000 zł
Bank Millennium	497,000 zł
BPS	483,000 zł
PKO BP	472,000 zł
Pekao SA	468,000 zł
Bank Ochrony Środowiska	467,000 zł.

Difference between first and last result:

129,000 zł.

That is, even for a couple without children, the choice of bank can change the available budget for purchasing real estate by more than 100 thousand zł.

What if the family income is 11,000 zł?

This is where the fun begins.

For a couple without children with a total income:

11,000 zł netto

the model shows:

• ING Bank Śląski — 895,000 zł;
• VeloBank — 860,000 zł;
• mBank — 858,000 zł;
• SBR — 832,000 zł;
• Credit Agricole - 831,000 zł;
• Alior Bank — 795,000 zł;
• Erste Bank Polska - 782,000 zł;
• PKO BP — 778,000 zł;
• Bank Millennium - 724,000 zł;
• BNP Paribas — 697,000 zł;
• BPS — 665,000 zł;
• Pekao SA — 648,000 zł;
• Bank Ochrony Środowiska — 643,000 zł.

Difference:

252,000 zł.

That is, with the same model income, a family can have a creditworthiness of about 643 thousand zł in one bank and about 895 thousand zł in another.

That's almost a quarter of a million zlotys difference.

A child is born and everything changes.

Now the most important thing for families.

Let's take the income:

8,000 zł netto

and compare the two options.

Family 2+0

Two adults without children.

For example:

• Alior Bank — 524,000 zł;
• Credit Agricole - 596,000 zł;
• ING — 542,000 zł;
• mBank — 548,000 zł.

Now we add one child.

Family 2+1

Same model income:

8,000 zł netto

The results are completely different:

• BPS — 456,000 zł;
• SBR — 453,000 zł;
• Erste — 442,000 zł;
• VeloBank — 425,000 zł;
• ING — 413,000 zł;
• Credit Agricole - 386,000 zł;
• Pekao SA — 361,000 zł;
• PKO BP — 340,000 zł;
• BNP Paribas — PLN 341,000;
• Bank Ochrony Środowiska - 332,000 zł;
• Bank Millennium - 321,000 zł;
• mBank — 315,000 zł;
• Alior Bank — 290,000 zł.

That is, the presence of a child in a model situation can reduce creditworthiness by hundreds of thousands of zlotys.

For example, at Alior Bank:

Family 2+0 with an income of 8,000 zł:

524,000 zł

Family 2+1 with the same income:

290,000 zł

Difference:

234,000 zł.

And this very well illustrates one important thing.

The bank looks not only at:

«"How much do you earn?"»

He also analyzes:

• how many people are in the household;
• how many people are supported;
• family maintenance expenses;
• internal rules of a specific bank;
• sources of income accepted by the bank;
• other financial obligations.

Second child: why is the difference between banks so huge?

Let's consider a family:

2 adults + 2 children

Total income:

8,000 zł netto

The results are particularly interesting:

• SBR — 400,000 zł;
• BPS — 391,000 zł;
• Erste Bank Polska - 380,000 zł;
• VeloBank — 356,000 zł;
• ING Bank Śląski - 340,000 zł;
• Credit Agricole - 278,000 zł;
• Pekao SA — 229,000 zł;
• BNP Paribas — 200,000 zł;
• PKO BP — 185,000 zł;
• Bank Ochrony Środowiska - 184,000 zł;
• mBank — 178,000 zł;
• Bank Millennium - 150,000 zł;
• Alior Bank - total 135,000 zł.

And here the difference between banks is:

265,000 zł.

The same model family.

Same income.

But:

one bank - 135,000 zł,

and the other one - 400,000 zł.

That is why the situation is:

«"I was rejected by one bank, which means I won't get a mortgage."»

— does not necessarily mean that it is impossible to obtain a loan.

It may just be that this particular bank is not suitable for this family structure.

The biggest mistake: looking only at the interest rate

Very often, a client begins their mortgage search with the question:

«"Where is the lowest interest rate now?"»

But the correct sequence, in my opinion, should be different.

Step 1: Check your creditworthiness

First you need to understand:

• what amount is really needed;
• In which banks can you get it?.

Step 2: Check the terms and conditions of a specific bank

For example:

• age of the borrower;
• loan term;
• type of employment contract;
• work experience;
• residence card for foreigners;
• presence of children;
• income of the second spouse;
• other loans and limits.

Step 3. Only then compare the cost of the loan

Because there's no point in choosing the lowest rate if that bank gives you:

300,000 zł,

and you need:

500,000 zł.

Income of 15,000 zł: banks are starting to give over a million

Let's look at a 2+1 family - two adults and one child.

With income:

15,000 zł netto

the calculation looks like this:

• ING Bank Śląski — 1,270,000 zł;
• VeloBank — 1,240,000 zł;
• SBR — 1,195,000 zł;
• BPS — 1,189,000 zł;
• mBank — 1,165,000 zł;
• Pekao SA — 1,153,000 zł;
• Credit Agricole - 1,136,000 zł;
• PKO BP — 1,098,000 zł;
• Bank Ochrony Środowiska - 1,166,000 zł;
• Alior Bank — 1,085,000 zł;
• Erste Bank Polska - 1,066,000 zł;
• Bank Millennium - 994,000 zł;
• BNP Paribas — PLN 956,000.

Difference between maximum and minimum result:

314,000 zł.

Even with a high income, the choice of bank remains very important.

Income 20,000 zł: up to 1.75 million loan?

Now let's take a 2+2 family.

Two adults and two children.

Total income:

20,000 zł netto

According to the August model:

• ING Bank Śląski — 1,750,000 zł;
• VeloBank — 1,700,000 zł;
• SBR — 1,634,000 zł;
• BPS — 1,624,000 zł;
• mBank — 1,559,000 zł;
• Pekao SA — 1,558,000 zł;
• Bank Ochrony Środowiska - 1,555,000 zł;
• Credit Agricole - 1,549,000 zł;
• PKO BP — 1,464,000 zł;
• Alior Bank — 1,446,000 zł;
• Erste Bank Polska - 1,365,000 zł;
• Bank Millennium — 1,331,000 zł.

Difference:

419,000 zł.

Almost half a million zlotys the difference is only due to the choice of bank.

Of course, this does not mean that ING will automatically approve 1.75 million zł for each client.

This is a model calculation based on certain conditions.

But it does illustrate the scale of the differences between banking calculation methods.

Why does one bank give 300 thousand, and another 600?

Because each bank has its own risk assessment policy.

The calculation takes into account, among other things:

Income

Not only the amount, but also:

• source of income;
• stability;
• period of work;
• form of employment.

Family composition

It is important for the bank:

• one person or a couple;
• are there children;
• how many children;
• What are the expenses for maintaining a family?.

Other financial obligations

For example:

• cash loan;
• credit card;
• account limit;
• leasing;
• alimony.

Even an unused credit card can reduce the amount of credit available.

Age

Age may affect the maximum loan term.

And the term directly affects the size of the monthly payment and, accordingly, creditworthiness.

Bank-specific policy

And that's often what makes the biggest difference.

One bank may view a particular family structure more favorably, while another may view it quite differently.

Do I need to contact all banks at once?

Not necessarily.

And I would not recommend sending applications «at random» to all banks in a row.

It makes much more sense to do a preliminary analysis first.

For example:

What loan amount is needed?

Let's assume:

550,000 zł.

If the model situation shows that the maximum creditworthiness in a particular bank can be around 300-400 thousand, there is little point in starting with it.

It is better to first identify banks that are potentially suitable for:

• amount;
• income;
• age;
• type of employment;
• family situation;
• residence status in Poland;
• the required loan term.

And then compare specific proposals.

But it is important: this table is not a guarantee of receiving a loan.

This is a very important point.

The August report is based on model calculations.

He suggests:

• umowa o pracę;
• no other financial obligations;
• a certain family structure;
• 25-year loan period;
• LTV up to 80%;
• standard calculation parameters.

In real life, factors may arise that will significantly change the result:

• credit history BIK;
• actual expenses;
• age;
• duration of the contract;
• residence card;
• probation;
• income for the last months;
• bonuses;
• 800+;
• other loans;
• the cost of the property being purchased.

Therefore, you can’t just open the table and see:

«"I'm entitled to 700,000 zł"»

and assume that the bank will definitely issue exactly this amount.

But as a tool for preliminary comparison of banks, such data is very useful.

The most interesting conclusion from August 2026

Looking at the entire report, several conclusions can be drawn.

Conclusion #1: Income isn't everything

Two families with the same income can have completely different creditworthiness.

Especially if the number of children differs.

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Conclusion #2: Family composition can change the outcome by hundreds of thousands of zlotys

For example, with a total income of 8,000 zł:

• a family without children may have a creditworthiness of more than PLN 500,000;
• a family with two children in some banks - less than 200,000 zł.

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Conclusion #3: You can't judge your capabilities based on one bank

The difference between banks can reach several hundred thousand zlotys.

Especially for families with children.

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Conclusion #4: A «refusal» or low creditworthiness at one bank is not the end

Another bank may assess your situation completely differently.

Of course, this does not mean that you should hide information or provide false data.

On the contrary, all data must correspond to the real situation.

But choose the right bank for a specific client — this is a completely legal and important part of the process of obtaining a mortgage.

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What to do if you are planning a mortgage?

I recommend starting not with searching for an apartment or choosing the most attractive advertising percentage.

It's better to make a preliminary strategy first.

1. Calculate real income

What kind of income can the bank accept?

2. Check BIK and obligations

Sometimes closing a small credit card can increase the amount of credit available.

3. Determine the composition of the household

How many people are involved in the application?

Do you have children?

What expenses are taken into account?

4. Calculate the required amount

Not:

«"What's the maximum the bank will give?"»

A:

How much does it really take to buy a specific property?

5. Select several of the most suitable banks

And then compare them:

• interest rate;
• insurance;
• commissions;
• additional conditions;
• possibility of early repayment;
• cost of credit;
• speed of the process.

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Result

Fresh calculations for August 2026 show one simple thing:

In Poland, there is no one-size-fits-all answer to the question: «What kind of mortgage will I get?»

With the same income, the result may differ by:

• 100,000 zł,
• 200,000 zł,
• 300,000 zł,
• and in some model situations - more than 400,000 zł.

This is why choosing a bank should not start with advertising or the name of the bank.

It should start with an analysis of your specific situation.

Because sometimes a person is looking for an apartment for 600 thousand zł and thinks that he lacks creditworthiness.

But the problem may not be income.

Maybe he just turned to the wrong bank.

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Are you planning to buy? an apartment or house in Poland and want to check yours creditworthiness?

I can pre-analyze your situation and check what options may be available, taking into account:

• your income;
• forms of employment;
• family composition;
• children;
• age;
• current loans;
• residence status in Poland;
• the required loan amount.

I work with mortgage loans in Poland and provide consultations in Russian, Ukrainian, and Polish.

Write to me - and first we will analyze your situation, and only then we will choose a bank and real estate.