{"id":543,"date":"2026-07-28T15:14:54","date_gmt":"2026-07-28T12:14:54","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=543"},"modified":"2026-07-28T15:14:56","modified_gmt":"2026-07-28T12:14:56","slug":"ipoteka-v-polshe-iyul-2026-god-kakuyu-summu-kredita-mozhno-poluchit-v-raznyh-bankah","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-v-polshe-iyul-2026-god-kakuyu-summu-kredita-mozhno-poluchit-v-raznyh-bankah\/","title":{"rendered":"Mortgages in Poland July 2026: What loan amounts are available from different banks?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">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: <strong>on <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">What mortgage amount can I expect?<\/a>?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article we will discuss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How banks assess creditworthiness;<\/li>\n\n\n\n<li>what amounts can be obtained with different incomes;<\/li>\n\n\n\n<li>Which banks offer the highest creditworthiness?;<\/li>\n\n\n\n<li>what influences the bank&#039;s decision.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">What is creditworthiness?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-uvelichit-kreditosposobnost-v-polshe-pered-podachej-na-ipoteku\/\" data-type=\"post\" data-id=\"467\">Creditworthiness<\/a> (Polish). <strong>zdolno\u015b\u0107 kredytowa<\/strong>) is the maximum loan amount that the bank is willing to provide to the borrower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The calculation takes into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>official income;<\/li>\n\n\n\n<li>number of family members;<\/li>\n\n\n\n<li>presence of children;<\/li>\n\n\n\n<li>current loans;<\/li>\n\n\n\n<li>monthly expenses;<\/li>\n\n\n\n<li>loan term;<\/li>\n\n\n\n<li>down payment;<\/li>\n\n\n\n<li>type of employment contract.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">According to the report, the calculations were made for a loan with a term of <strong>25 years (300 months)<\/strong> with a down payment of up to <strong>20% (LTV up to 80%)<\/strong>. All examples are based on the situation where borrowers are employed under an employment contract (Umowa o prac\u0119), have no other loans, and families with children receive benefits. <strong>800+<\/strong>, if a particular bank takes it into account when calculating creditworthiness.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mortgage for one person<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If the borrower lives alone, the loan amount directly depends on the level of net income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Income 5,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maximum values among banks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alior Bank - about <strong>371,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Credit Agricole - about <strong>370,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Erste Bank Polska - approx. <strong>365,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Minimum offers started at around <strong>276\u2013309 thousand z\u0142<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Income 7,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With such income, many banks are already ready to provide more <strong>500 thousand z\u0142<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best results were shown by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>577,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>558,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Alior Bank \u2014 <strong>550,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Income 10,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The maximum amounts are approaching <strong>800 thousand z\u0142<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Among the leaders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>825,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>798,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska \u2014 <strong>777,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Income 13,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some banks are already willing to finance the purchase of real estate worth over a million z\u0142.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Best results:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank Ochrony \u015arodowiska \u2014 <strong>1,166,000 z\u0142<\/strong><\/li>\n\n\n\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,072,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>1,037,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Family without children (2 adults)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If two people take out a mortgage, their creditworthiness increases significantly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With total income:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maximum offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit Agricole \u2014 <strong>590,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Erste Bank Polska \u2014 <strong>583,000 z\u0142<\/strong><\/li>\n\n\n\n<li>mBank \u2014 <strong>575,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">11,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Best deals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>908,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>863,000 z\u0142<\/strong><\/li>\n\n\n\n<li>mBank \u2014 <strong>858,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">15,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some banks are already ready to issue more <strong>1.2 million z\u0142<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leaders:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,238,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>1,197,000 z\u0142<\/strong><\/li>\n\n\n\n<li>mBank \u2014 <strong>1,170,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Income 20,000 z\u0142 net<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maximum creditworthiness exceeds <strong>1.6 million z\u0142<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Best indicators:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,650,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>1,568,000 z\u0142<\/strong><\/li>\n\n\n\n<li>mBank \u2014 <strong>1,559,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">A family with one child<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The birth of a child increases family expenses, so some banks reduce the available loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, at high incomes the difference becomes less noticeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, with income <strong>20,000 z\u0142 net<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,716,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>1,660,000 z\u0142<\/strong><\/li>\n\n\n\n<li>Pekao SA \u2014 <strong>1,575,000 z\u0142<\/strong><\/li>\n\n\n\n<li>BPS \u2014 <strong>1,564,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">A family with two children<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">With two children, the impact of family expenses becomes even more noticeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, many banks continue to offer very high credit ratings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With income <strong>20,000 z\u0142 net<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,782,000 z\u0142<\/strong><\/li>\n\n\n\n<li>VeloBank \u2014 <strong>1,723,000 z\u0142<\/strong><\/li>\n\n\n\n<li>SBR \u2014 <strong>1,634,000 z\u0142<\/strong><\/li>\n\n\n\n<li>BPS \u2014 <strong>1,621,000 z\u0142<\/strong><\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Why do the amounts differ in different banks?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Many people are surprised why, with the same income, one bank is willing to provide a loan of almost a million z\u0142, while another is willing to provide significantly less.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reasons are quite simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each bank uses its own risk assessment model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, banks take into account differently:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>family maintenance expenses;<\/li>\n\n\n\n<li>allowance 800+;<\/li>\n\n\n\n<li>age of borrowers;<\/li>\n\n\n\n<li>type of employment contract;<\/li>\n\n\n\n<li>additional banking products;<\/li>\n\n\n\n<li>internal requirements for financial burden.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why it&#039;s always worth comparing offers from several banks before submitting documents.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it possible to find out your creditworthiness in advance?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Yes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Professional mortgage broker <\/a>can calculate in advance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>approximate loan amount;<\/li>\n\n\n\n<li>probability of approval;<\/li>\n\n\n\n<li>banks with the highest chances;<\/li>\n\n\n\n<li>optimal application submission strategy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This allows you to avoid unnecessary refusals and increase the likelihood of receiving a positive decision.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">It is important to remember<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">All the figures given above are <strong>model calculations<\/strong>, performed for typical households under certain conditions. Real <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kak-uvelichit-kreditosposobnost-v-polshe-pered-podachej-na-ipoteku\/\" data-type=\"post\" data-id=\"467\">creditworthiness <\/a>Each client&#039;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.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Need help with a mortgage in Poland?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">If you are planning to buy an apartment or house in Poland and want to know, <strong>what loan amount can you get?<\/strong>, <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">we are ready to help<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We provide mortgage lending and free assistance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>calculate real creditworthiness;<\/li>\n\n\n\n<li>compare offers from different banks;<\/li>\n\n\n\n<li>choose the most profitable mortgage;<\/li>\n\n\n\n<li>prepare documents;<\/li>\n\n\n\n<li>accompany the transaction until the loan is received.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Contact us \u2013 we&#039;ll help you choose the best bank and get a mortgage with the most favorable terms.<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Buying your own home is one of the most important financial decisions. One of the first questions every prospective homeowner asks themselves is:<\/p>","protected":false},"author":1,"featured_media":544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-543","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\/543","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=543"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/543\/revisions"}],"predecessor-version":[{"id":545,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/543\/revisions\/545"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/544"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}