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.<\/p>\n\n\n\n
In this article you will learn:<\/p>\n\n\n\n
Creditworthiness is the amount of money a bank is willing to lend you to purchase real estate.<\/p>\n\n\n\n
It depends on:<\/p>\n\n\n\n
\u2757 Important: the difference between banks can reach even 200,000 \u2013 300,000 z\u0142<\/strong><\/p>\n\n\n\n Average creditworthiness:<\/p>\n\n\n\n Best banks:<\/p>\n\n\n\n \ud83d\udc49 The difference is huge \u2013 and most customers don\u2019t even know it.<\/p>\n\n\n\n Average values:<\/p>\n\n\n\n Best deals:<\/p>\n\n\n\n Creditworthiness is reduced by expenses:<\/p>\n\n\n\n Example:<\/p>\n\n\n\n \ud83d\udc49 Some banks take into account 800+, which can partially offset the decrease.<\/p>\n\n\n\n Here the spread is even greater:<\/p>\n\n\n\n Examples:<\/p>\n\n\n\n Each bank evaluates its clients in its own way.<\/p>\n\n\n\n One bank deposits 1500 z\u0142 Not all banks take into account:<\/p>\n\n\n\n \u2714 Close credit cards and limits \ud83d\udc49 This could even give you +100,000 z\u0142<\/p>\n\n\n\n Contacting one bank without analysis.<\/p>\n\n\n\n Result:<\/p>\n\n\n\n Although you can get significantly more in another bank.<\/p>\n\n\n\n As a loan officer:<\/p>\n\n\n\n \u2714 I analyze your situationCreditworthiness in 2026 \u2013 real figures<\/h1>\n\n\n\n
\ud83e\uddcd\u200d\u2642\ufe0f One person (income around 5000 z\u0142)<\/h2>\n\n\n\n
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\ud83d\udc68\u200d\ud83d\udc69 A couple without children (income around 8,000 PLN)<\/h2>\n\n\n\n
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\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 Family with a child<\/h2>\n\n\n\n
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\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc67 A family with two children<\/h2>\n\n\n\n
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Why do banks give different amounts?<\/h1>\n\n\n\n
1. Different evaluation models<\/h3>\n\n\n\n
2. Different living expenses<\/h3>\n\n\n\n
Another one - even 3000 z\u0142<\/p>\n\n\n\n3. Income approach<\/h3>\n\n\n\n
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How to increase creditworthiness?<\/h1>\n\n\n\n
\u2714 Combine income
\u2714 Choose the right bank
\u2714 Prepare documents<\/p>\n\n\n\nThe main mistake clients make<\/h1>\n\n\n\n
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Why should you contact me?<\/h1>\n\n\n\n
\u2714 I compare bank offers
\u2714 I select the best solution
\u2714 I increase creditworthiness
\u2714 I guide the client through the loan process<\/p>\n\n\n\n