{"id":467,"date":"2026-02-21T16:50:12","date_gmt":"2026-02-21T13:50:12","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=467"},"modified":"2026-02-21T16:50:14","modified_gmt":"2026-02-21T13:50:14","slug":"kak-uvelichit-kreditosposobnost-v-polshe-pered-podachej-na-ipoteku","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-uvelichit-kreditosposobnost-v-polshe-pered-podachej-na-ipoteku\/","title":{"rendered":"How to improve your creditworthiness in Poland before applying for a mortgage"},"content":{"rendered":"<p>Are you planning to buy an apartment or house in Poland? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">through a mortgage<\/a>?<br>Then the first thing the bank will check is yours <strong>creditworthiness (zdolno\u015b\u0107 kredytowa)<\/strong>.<\/p>\n\n\n\n<p>It depends on her:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>will you be approved for a loan?<\/li>\n\n\n\n<li>what amount will the bank give<\/li>\n\n\n\n<li>at what percentage<\/li>\n\n\n\n<li>What will the monthly payment be?<\/li>\n<\/ul>\n\n\n\n<p>In this article we will look at, <strong>How to improve your creditworthiness in Poland before applying<\/strong>, to get more money and better conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is creditworthiness and how does a bank calculate it?<\/h2>\n\n\n\n<p>Creditworthiness is the borrower&#039;s ability to repay a loan regularly.<\/p>\n\n\n\n<p>The bank analyzes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income size (net)<\/li>\n\n\n\n<li>type of contract (umowa o prac\u0119, B2B, zlecenie)<\/li>\n\n\n\n<li>work experience<\/li>\n\n\n\n<li>current loans and installments<\/li>\n\n\n\n<li>card limits<\/li>\n\n\n\n<li>history in BIK<\/li>\n\n\n\n<li>number of dependents<\/li>\n\n\n\n<li>age<\/li>\n<\/ul>\n\n\n\n<p>It is important to understand:<br>Even a high income does not guarantee a large loan amount if there are errors in the financial structure.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">1\ufe0f\u20e3 Check your BIK history<\/h1>\n\n\n\n<p><a href=\"https:\/\/www.bik.pl\/\" data-type=\"link\" data-id=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK (Biuro Informacji Kredytowej)<\/a> - this is the main factor.<\/p>\n\n\n\n<p>The bank looks at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>were there any delays?<\/li>\n\n\n\n<li>How many active loans<\/li>\n\n\n\n<li>How long have you been using financial products?<\/li>\n\n\n\n<li>your scoring<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What you need to do:<\/h3>\n\n\n\n<p>\u2714 check the report <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a> in advance<br>\u2714 close overdue payments<br>\u2714 make sure there are no errors<br>\u2714 Do not submit multiple applications at the same time<\/p>\n\n\n\n<p>Even one delay of more than 30 days can reduce your chances.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">2\ufe0f\u20e3 Pay off any excess loans and installment plans<\/h1>\n\n\n\n<p>A very common mistake is that people do not count small obligations.<\/p>\n\n\n\n<p>The bank takes into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>installment plan for a phone<\/li>\n\n\n\n<li>equipment loan<\/li>\n\n\n\n<li>credit card<\/li>\n\n\n\n<li>overdraft limit<\/li>\n<\/ul>\n\n\n\n<p>Even if you don&#039;t use them - <strong>the limit still reduces your creditworthiness.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<p>A card limit of 20,000 z\u0142 can \u201ceat up\u201d 400\u2013600 z\u0142 of potential mortgage.<\/p>\n\n\n\n<p>If you close the map -<strong> The loan amount may increase by 30\u201370 thousand z\u0142.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">3\ufe0f\u20e3 Increase your official income<\/h1>\n\n\n\n<p>The bank takes into account only official income.<\/p>\n\n\n\n<p>If you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you receive part of it &quot;in an envelope&quot;\u201c<\/li>\n\n\n\n<li>have you been working recently?<\/li>\n\n\n\n<li>changed jobs<\/li>\n<\/ul>\n\n\n\n<p>- this may reduce the loan amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What helps:<\/h3>\n\n\n\n<p>\u2714 at least 3-6 months at the current place of work<br>\u2714 unlimited contract (umowa o prac\u0119 na czas nieokre\u015blony)<br>\u2714 stable income without sudden fluctuations<\/p>\n\n\n\n<p>For entrepreneurs, profit for the last 12\u201324 months is important.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">4\ufe0f\u20e3 Increase your down payment<\/h1>\n\n\n\n<p>The minimum contribution is usually 10-20%.<\/p>\n\n\n\n<p>But the higher the contribution, the:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lower bank risk<\/li>\n\n\n\n<li>better percentage<\/li>\n\n\n\n<li>higher chance of approval<\/li>\n\n\n\n<li>lower monthly payment<\/li>\n<\/ul>\n\n\n\n<p>Sometimes the difference between a 10% and a 20% installment can result in savings of tens of thousands of zlotys over the loan term.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">5\ufe0f\u20e3 Don&#039;t apply to all banks yourself<\/h1>\n\n\n\n<p>This is a critical point.<\/p>\n\n\n\n<p>Each application is reflected in <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a>.<br>If a bank sees 5\u20136 requests per month, this looks like financial problems.<\/p>\n\n\n\n<p>The right strategy:<\/p>\n\n\n\n<p>\u2714 preliminary calculation<br>\u2714 selection of 1\u20132 optimal banks<br>\u2714<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"> submitting an application through an expert<\/a><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">6\ufe0f\u20e3 Optimize your family&#039;s financial structure<\/h1>\n\n\n\n<p>If you are applying for a loan together:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sometimes it&#039;s more profitable to serve together<\/li>\n\n\n\n<li>sometimes - only for one person<\/li>\n<\/ul>\n\n\n\n<p>It all depends on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>obligations of the second spouse<\/li>\n\n\n\n<li>number of children<\/li>\n\n\n\n<li>forms of employment<\/li>\n<\/ul>\n\n\n\n<p>Correct calculation can increase the loan amount by PLN 100,000 or more.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">7\ufe0f\u20e3 Choose the right moment to serve<\/h1>\n\n\n\n<p>The bank evaluates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stability of work<\/li>\n\n\n\n<li>duration of stay in Poland (for foreigners)<\/li>\n\n\n\n<li>age<\/li>\n\n\n\n<li>loan term<\/li>\n<\/ul>\n\n\n\n<p>Sometimes it is enough to wait 2-3 months to significantly improve conditions.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Common mistakes before applying for a mortgage<\/h1>\n\n\n\n<p>\u274c Take out a new furniture loan<br>\u274c Increase the card limit<br>\u274c Change your work before submitting<br>\u274c Submit applications to all banks<br>\u274c hide obligations<\/p>\n\n\n\n<p>Any of these errors may result in failure.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much can you increase your creditworthiness?<\/h1>\n\n\n\n<p>Real examples:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>installment plan closing \u2192 +40,000 z\u0142<\/li>\n\n\n\n<li>credit card closure \u2192 +60,000 z\u0142<\/li>\n\n\n\n<li>adding a co-borrower \u2192 +120,000 z\u0142<\/li>\n\n\n\n<li>Increased contribution \u2192 better terms and lower payment<\/li>\n<\/ul>\n\n\n\n<p>In total, the difference can reach 150,000\u2013250,000 z\u0142.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Want to know your real creditworthiness?<\/h1>\n\n\n\n<p>Before applying for a mortgage, it is important to have a professional estimate done.<\/p>\n\n\n\n<p>You will learn:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What amount will the bank actually approve?<\/li>\n\n\n\n<li>what will the payment be?<\/li>\n\n\n\n<li>How to increase your credit limit<\/li>\n\n\n\n<li>Which bank should I choose?<\/li>\n\n\n\n<li>what documents to prepare<\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">The consultation is free and without obligation.<\/a><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Leave a request <\/a>\u2014 and get a personalized quote today.<\/p>","protected":false},"excerpt":{"rendered":"<p>Are you planning to buy an apartment or house in Poland with a mortgage? Then the first thing the bank will check is your creditworthiness (zdolno\u015b\u0107 kredytowa).<\/p>","protected":false},"author":1,"featured_media":468,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-467","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=467"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/467\/revisions"}],"predecessor-version":[{"id":469,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/467\/revisions\/469"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/468"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}