{"id":553,"date":"2026-08-14T16:16:09","date_gmt":"2026-08-14T13:16:09","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=553"},"modified":"2026-08-14T16:16:13","modified_gmt":"2026-08-14T13:16:13","slug":"ipoteka-v-polshe-v-2026-godu-pochemu-odin-i-tot-zhe-dohod-mozhet-dat-ot-135-000-do-1-750-000-z%c5%82-kredita-svezhie-raschyoty-bankov-za-avgust","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-v-polshe-v-2026-godu-pochemu-odin-i-tot-zhe-dohod-mozhet-dat-ot-135-000-do-1-750-000-z%c5%82-kredita-svezhie-raschyoty-bankov-za-avgust\/","title":{"rendered":"Mortgages in Poland in 2026: Why can the same income yield a loan of PLN 135,000 to PLN 1,750,000? Banks&#039; latest estimates for August"},"content":{"rendered":"<p class=\"wp-block-paragraph\">You earn, for example, <strong>11,000 z\u0142 net per month<\/strong> and you want<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\"> Buy an apartment in Poland<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Logical question:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>How much mortgage can I expect?<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Many expect a simple answer:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00abWith this income they will give approximately 600-700 thousand.\u00bb.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">But the latest credit report for <strong>August 2026<\/strong> shows that in reality everything is much more complicated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>family composition,<\/li>\n\n\n\n<li>number of children,<\/li>\n\n\n\n<li>selected bank,<\/li>\n\n\n\n<li>income level,<\/li>\n\n\n\n<li>bank policies,<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">difference in available amount <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">loan <\/a>may constitute <strong>hundreds of thousands of zlotys<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And in some situations one bank may say:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;Maximum 135,000 z\u0142.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">And another one with the same model parameters:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;Up to 400,000 z\u0142.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">At higher incomes, the difference becomes even more noticeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I have analyzed the current one <strong>Raport zdolno\u015bci kredytowej <a href=\"https:\/\/angfinanse.pl\/\" target=\"_blank\" rel=\"noopener\">ANG <\/a>for August 2026<\/strong>, based on calculations carried out <strong>August 11\u201313, 2026<\/strong>, and collected the most interesting conclusions.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">First, the important thing: what exactly was being compared?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is not an advertising table from one bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The report compares creditworthiness across banks that partner with <a href=\"https:\/\/angfinanse.pl\/\" target=\"_blank\" rel=\"noopener\">ANG Odpowiedzialne Finanse<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same model conditions were adopted for the calculations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income - <strong>umowa o prac\u0119<\/strong>;<\/li>\n\n\n\n<li>no other financial obligations;<\/li>\n\n\n\n<li>credit period - <strong>300 months, that is 25 years<\/strong>;<\/li>\n\n\n\n<li>LTV \u2014 up to <strong>80%<\/strong>;<\/li>\n\n\n\n<li>additional products required by the bank are taken into account;<\/li>\n\n\n\n<li>For families with children, the allowance is taken into account in the calculations <strong>800+<\/strong>, if a particular bank takes it into account when calculating creditworthiness.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The report examines four types of households:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1+0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One adult, no children.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2+0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Two adults, no children.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2+1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Two adults and one child.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2+2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Two adults and two children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And this is where the really interesting differences begin.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">One person with an income of 5,000 z\u0142: where will they give more?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s start with the simplest option:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">One adult, no children.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>5,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The estimated creditworthiness is as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Estimated loan amount<\/th><\/tr><\/thead><tbody><tr><td>Credit Agricole<\/td><td><strong>374,000 z\u0142<\/strong><\/td><\/tr><tr><td>BPS<\/td><td>370,000 z\u0142<\/td><\/tr><tr><td>Alior Bank<\/td><td>361,000 z\u0142<\/td><\/tr><tr><td>Erste Bank Polska<\/td><td>355,000 z\u0142<\/td><\/tr><tr><td>ING Bank \u015al\u0105ski<\/td><td>350,000 z\u0142<\/td><\/tr><tr><td>PKO BP<\/td><td>337,000 z\u0142<\/td><\/tr><tr><td>BNP Paribas<\/td><td>308,000 z\u0142<\/td><\/tr><tr><td>Bank Millennium<\/td><td>306,000 z\u0142<\/td><\/tr><tr><td>mBank<\/td><td>303,000 z\u0142<\/td><\/tr><tr><td>VeloBank<\/td><td>302,000 z\u0142<\/td><\/tr><tr><td>SBR<\/td><td>291,000 z\u0142<\/td><\/tr><tr><td>Bank Ochrony \u015arodowiska<\/td><td>290,000 z\u0142<\/td><\/tr><tr><td>Pekao SA<\/td><td><strong>246,000 z\u0142<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The difference between <a href=\"https:\/\/www.credit-agricole.pl\/klienci-indywidualni\" target=\"_blank\" rel=\"noopener\">Credit Agricole<\/a> \u0438 <a href=\"https:\/\/www.pekao.com.pl\/\" target=\"_blank\" rel=\"noopener\">Pekao SA<\/a> is:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>128,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">That is, a person can only contact one bank and hear:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;Yours <a href=\"https:\/\/rutkowskihome.pl\/en\/tag\/kreditosposobnost-v-polshe\/\" data-type=\"post_tag\" data-id=\"14\">maximum creditworthiness<\/a> - about 246 thousand.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">And decide:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;That means I can&#039;t buy an apartment that&#039;s more expensive.&quot;.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Although another bank with the same model parameters may show creditworthiness of about <strong>374 thousand z\u0142<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why going to just one bank isn&#039;t always the best strategy.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Net income of 7,000 z\u0142: the difference becomes even more noticeable<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">For one person with income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>7,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The maximum values in the model look like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BPS \u2014 <strong>612,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>ING Bank \u015al\u0105ski \u2013 570,000 z\u0142;<\/li>\n\n\n\n<li>VeloBank \u2014 550,000 z\u0142;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska - 544,000 z\u0142;<\/li>\n\n\n\n<li>SBR \u2014 530,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 526,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank \u2014 506,000 z\u0142;<\/li>\n\n\n\n<li>Erste Bank Polska - 497,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 489,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 470,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium - 454,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 452,000 z\u0142;<\/li>\n\n\n\n<li>BNP Paribas \u2014 <strong>438,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Difference between maximum and minimum result:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>174,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">With the same income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the same type of employment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the absence of other obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why the question is:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Which bank gives me the best credit?&quot;\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">in practice it is much more important than just:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Which bank has the lowest interest rate right now?&quot;\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Because first you need to get the required amount.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Married couples without children: the situation is changing<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Now let&#039;s consider two adults without children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Total income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>8,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Results:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Maximum creditworthiness<\/th><\/tr><\/thead><tbody><tr><td>Credit Agricole<\/td><td><strong>596,000 z\u0142<\/strong><\/td><\/tr><tr><td>SBR<\/td><td>556,000 z\u0142<\/td><\/tr><tr><td>Erste Bank Polska<\/td><td>553,000 z\u0142<\/td><\/tr><tr><td>mBank<\/td><td>548,000 z\u0142<\/td><\/tr><tr><td>ING Bank \u015al\u0105ski<\/td><td>542,000 z\u0142<\/td><\/tr><tr><td>VeloBank<\/td><td>540,000 z\u0142<\/td><\/tr><tr><td>Alior Bank<\/td><td>524,000 z\u0142<\/td><\/tr><tr><td>BNP Paribas<\/td><td>502,000 z\u0142<\/td><\/tr><tr><td>Bank Millennium<\/td><td>497,000 z\u0142<\/td><\/tr><tr><td>BPS<\/td><td>483,000 z\u0142<\/td><\/tr><tr><td>PKO BP<\/td><td>472,000 z\u0142<\/td><\/tr><tr><td>Pekao SA<\/td><td>468,000 z\u0142<\/td><\/tr><tr><td>Bank Ochrony \u015arodowiska<\/td><td><strong>467,000 z\u0142<\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Difference between first and last result:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>129,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">That is, even for a couple without children, the choice of bank can change the available budget for purchasing real estate by more than <strong>100 thousand z\u0142<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What if the family income is 11,000 z\u0142?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is where the fun begins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a couple without children with a total income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>11,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">the model shows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>895,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>VeloBank \u2014 860,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 858,000 z\u0142;<\/li>\n\n\n\n<li>SBR \u2014 832,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 831,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank \u2014 795,000 z\u0142;<\/li>\n\n\n\n<li>Erste Bank Polska - 782,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 778,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium - 724,000 z\u0142;<\/li>\n\n\n\n<li>BNP Paribas \u2014 697,000 z\u0142;<\/li>\n\n\n\n<li>BPS \u2014 665,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 648,000 z\u0142;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska \u2014 <strong>643,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Difference:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>252,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">That is, with the same model income, a family can have a creditworthiness of about <strong>643 thousand z\u0142<\/strong> in one bank and about <strong>895 thousand z\u0142<\/strong> in another.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s almost a quarter of a million zlotys difference.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">A child is born and everything changes.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Now the most important thing for families.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s take the income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>8,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">and compare the two options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Family 2+0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two adults without children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alior Bank \u2014 524,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 596,000 z\u0142;<\/li>\n\n\n\n<li>ING \u2014 542,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 548,000 z\u0142.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Now we add one child.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Family 2+1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Same model income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>8,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The results are completely different:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BPS \u2014 456,000 z\u0142;<\/li>\n\n\n\n<li>SBR \u2014 453,000 z\u0142;<\/li>\n\n\n\n<li>Erste \u2014 442,000 z\u0142;<\/li>\n\n\n\n<li>VeloBank \u2014 425,000 z\u0142;<\/li>\n\n\n\n<li>ING \u2014 413,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 386,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 361,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 340,000 z\u0142;<\/li>\n\n\n\n<li>BNP Paribas \u2014 PLN 341,000;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska - 332,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium - 321,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 315,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank \u2014 <strong>290,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That is, the presence of a child in a model situation can reduce creditworthiness by <strong>hundreds of thousands of zlotys<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, at Alior Bank:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Family 2+0 with an income of 8,000 z\u0142:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>524,000 z\u0142<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Family 2+1 with the same income:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>290,000 z\u0142<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Difference:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>234,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">And this very well illustrates one important thing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank looks not only at:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;How much do you earn?&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">He also analyzes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>how many people are in the household;<\/li>\n\n\n\n<li>how many people are supported;<\/li>\n\n\n\n<li>family maintenance expenses;<\/li>\n\n\n\n<li>internal rules of a specific bank;<\/li>\n\n\n\n<li>sources of income accepted by the bank;<\/li>\n\n\n\n<li>other financial obligations.<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Second child: why is the difference between banks so huge?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s consider a family:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">2 adults + 2 children<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Total income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>8,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The results are particularly interesting:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SBR \u2014 <strong>400,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>BPS \u2014 391,000 z\u0142;<\/li>\n\n\n\n<li>Erste Bank Polska - 380,000 z\u0142;<\/li>\n\n\n\n<li>VeloBank \u2014 356,000 z\u0142;<\/li>\n\n\n\n<li>ING Bank \u015al\u0105ski - 340,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 278,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 229,000 z\u0142;<\/li>\n\n\n\n<li>BNP Paribas \u2014 200,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 185,000 z\u0142;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska - 184,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 178,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium - 150,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank - total <strong>135,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">And here the difference between banks is:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>265,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">The same model family.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">one bank - 135,000 z\u0142,<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">and the other one - 400,000 z\u0142.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why the situation is:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I was rejected by one bank, which means I won&#039;t get a mortgage.&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u2014 does not necessarily mean that it is impossible to obtain a loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It may just be that this particular bank is not suitable for this family structure.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The biggest mistake: looking only at the interest rate<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Very often, a client begins their mortgage search with the question:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab&quot;Where is the lowest interest rate now?&quot;\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">But the correct sequence, in my opinion, should be different.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 1: Check your creditworthiness<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First you need to understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>what amount is really needed;<\/li>\n\n\n\n<li>In which banks can you get it?.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Step 2: Check the terms and conditions of a specific bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>age of the borrower;<\/li>\n\n\n\n<li>loan term;<\/li>\n\n\n\n<li>type of employment contract;<\/li>\n\n\n\n<li>work experience;<\/li>\n\n\n\n<li>residence card for foreigners;<\/li>\n\n\n\n<li>presence of children;<\/li>\n\n\n\n<li>income of the second spouse;<\/li>\n\n\n\n<li>other loans and limits.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Step 3. Only then compare the cost of the loan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Because there&#039;s no point in choosing the lowest rate if that bank gives you:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">300,000 z\u0142,<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">and you need:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">500,000 z\u0142.<\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\">Income of 15,000 z\u0142: banks are starting to give over a million<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s look at a 2+1 family - two adults and one child.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>15,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">the calculation looks like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,270,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>VeloBank \u2014 1,240,000 z\u0142;<\/li>\n\n\n\n<li>SBR \u2014 1,195,000 z\u0142;<\/li>\n\n\n\n<li>BPS \u2014 1,189,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 1,165,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 1,153,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 1,136,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 1,098,000 z\u0142;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska - 1,166,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank \u2014 1,085,000 z\u0142;<\/li>\n\n\n\n<li>Erste Bank Polska - 1,066,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium - 994,000 z\u0142;<\/li>\n\n\n\n<li>BNP Paribas \u2014 PLN 956,000.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Difference between maximum and minimum result:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>314,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Even with a high income, the choice of bank remains very important.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Income 20,000 z\u0142: up to 1.75 million loan?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Now let&#039;s take a 2+2 family.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two adults and two children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Total income:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>20,000 z\u0142 netto<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">According to the August model:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ING Bank \u015al\u0105ski \u2014 <strong>1,750,000 z\u0142<\/strong>;<\/li>\n\n\n\n<li>VeloBank \u2014 1,700,000 z\u0142;<\/li>\n\n\n\n<li>SBR \u2014 1,634,000 z\u0142;<\/li>\n\n\n\n<li>BPS \u2014 1,624,000 z\u0142;<\/li>\n\n\n\n<li>mBank \u2014 1,559,000 z\u0142;<\/li>\n\n\n\n<li>Pekao SA \u2014 1,558,000 z\u0142;<\/li>\n\n\n\n<li>Bank Ochrony \u015arodowiska - 1,555,000 z\u0142;<\/li>\n\n\n\n<li>Credit Agricole - 1,549,000 z\u0142;<\/li>\n\n\n\n<li>PKO BP \u2014 1,464,000 z\u0142;<\/li>\n\n\n\n<li>Alior Bank \u2014 1,446,000 z\u0142;<\/li>\n\n\n\n<li>Erste Bank Polska - 1,365,000 z\u0142;<\/li>\n\n\n\n<li>Bank Millennium \u2014 <strong>1,331,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Difference:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>419,000 z\u0142.<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Almost <strong>half a million zlotys<\/strong> the difference is only due to the choice of bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, this does not mean that<a href=\"https:\/\/www.ing.pl\/\" target=\"_blank\" rel=\"noopener\"> ING<\/a> will automatically approve 1.75 million z\u0142 for each client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is a model calculation based on certain conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it does illustrate the scale of the differences between banking calculation methods.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Why does one bank give 300 thousand, and another 600?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Because each bank has its own risk assessment policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The calculation takes into account, among other things:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Income<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not only the amount, but also:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>source of income;<\/li>\n\n\n\n<li>stability;<\/li>\n\n\n\n<li>period of work;<\/li>\n\n\n\n<li>form of employment.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Family composition<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is important for the bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>one person or a couple;<\/li>\n\n\n\n<li>are there children;<\/li>\n\n\n\n<li>how many children;<\/li>\n\n\n\n<li>What are the expenses for maintaining a family?.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Other financial obligations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cash loan;<\/li>\n\n\n\n<li>credit card;<\/li>\n\n\n\n<li>account limit;<\/li>\n\n\n\n<li>leasing;<\/li>\n\n\n\n<li>alimony.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even an unused credit card can reduce the amount of credit available.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Age<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Age may affect the maximum loan term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And the term directly affects the size of the monthly payment and, accordingly, creditworthiness.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank-specific policy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">And that&#039;s often what makes the biggest difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One bank may view a particular family structure more favorably, while another may view it quite differently.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Do I need to contact all banks at once?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And I would not recommend sending applications \u00abat random\u00bb to all banks in a row.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It makes much more sense to do a preliminary analysis first.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">What loan amount is needed?<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s assume:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">550,000 z\u0142.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is better to first identify banks that are potentially suitable for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>amount;<\/li>\n\n\n\n<li>income;<\/li>\n\n\n\n<li>age;<\/li>\n\n\n\n<li>type of employment;<\/li>\n\n\n\n<li>family situation;<\/li>\n\n\n\n<li>residence status in Poland;<\/li>\n\n\n\n<li>the required loan term.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">And then compare specific proposals.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">But it is important: this table is not a guarantee of receiving a loan.<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">This is a very important point.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The August report is based on <strong>model calculations<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He suggests:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>umowa o prac\u0119;<\/li>\n\n\n\n<li>no other financial obligations;<\/li>\n\n\n\n<li>a certain family structure;<\/li>\n\n\n\n<li>25-year loan period;<\/li>\n\n\n\n<li>LTV up to 80%;<\/li>\n\n\n\n<li>standard calculation parameters.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In real life, factors may arise that will significantly change the result:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>credit history <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a>;<\/li>\n\n\n\n<li>actual expenses;<\/li>\n\n\n\n<li>age;<\/li>\n\n\n\n<li>duration of the contract;<\/li>\n\n\n\n<li>residence card;<\/li>\n\n\n\n<li>probation;<\/li>\n\n\n\n<li>income for the last months;<\/li>\n\n\n\n<li>bonuses;<\/li>\n\n\n\n<li>800+;<\/li>\n\n\n\n<li>other loans;<\/li>\n\n\n\n<li>the cost of the property being purchased.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, you can\u2019t just open the table and see:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;I&#039;m entitled to 700,000 z\u0142&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">and assume that the bank will definitely issue exactly this amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But as a tool for preliminary comparison of banks, such data is very useful.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most interesting conclusion from August 2026<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Looking at the entire report, several conclusions can be drawn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion #1: Income isn&#039;t everything<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two families with the same income can have completely different creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Especially if the number of children differs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion #2: Family composition can change the outcome by hundreds of thousands of zlotys<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For example, with a total income of 8,000 z\u0142:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a family without children may have a creditworthiness of more than PLN 500,000;<\/li>\n\n\n\n<li>a family with two children in some banks - less than 200,000 z\u0142.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion #3: You can&#039;t judge your capabilities based on one bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The difference between banks can reach several hundred thousand zlotys.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Especially for families with children.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion #4: A \u00abrefusal\u00bb or low creditworthiness at one bank is not the end<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another bank may assess your situation completely differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, this does not mean that you should hide information or provide false data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the contrary, all data must correspond to the real situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But <strong>choose the right bank for a specific client<\/strong> \u2014 this is a completely legal and important part of the process of obtaining a mortgage.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">What to do if you are planning a mortgage?<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">I recommend starting not with searching for an apartment or choosing the most attractive advertising percentage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s better to make a preliminary strategy first.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Calculate real income<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">What kind of income can the bank accept?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Check BIK and obligations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes closing a small credit card can increase the amount of credit available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Determine the composition of the household<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">How many people are involved in the application?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you have children?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What expenses are taken into account?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Calculate the required amount<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;What&#039;s the maximum the bank will give?&quot;\u00bb<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">A:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>How much does it really take to buy a specific property?<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">5. Select several of the most suitable banks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">And then compare them:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interest rate;<\/li>\n\n\n\n<li>insurance;<\/li>\n\n\n\n<li>commissions;<\/li>\n\n\n\n<li>additional conditions;<\/li>\n\n\n\n<li>possibility of early repayment;<\/li>\n\n\n\n<li>cost of credit;<\/li>\n\n\n\n<li>speed of the process.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Result<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Fresh calculations for <strong>August 2026<\/strong> show one simple thing:<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>In Poland, there is no one-size-fits-all answer to the question: \u00abWhat kind of mortgage will I get?\u00bb<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">With the same income, the result may differ by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100,000 z\u0142,<\/li>\n\n\n\n<li>200,000 z\u0142,<\/li>\n\n\n\n<li>300,000 z\u0142,<\/li>\n\n\n\n<li>and in some model situations - more than <strong>400,000 z\u0142<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is why choosing a bank should not start with advertising or the name of the bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It should start with an analysis of your specific situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because sometimes a person is looking for an apartment for 600 thousand z\u0142 and thinks that he lacks creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the problem may not be income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maybe he just turned <strong>to the wrong bank<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Are you planning to buy?<a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\"> an apartment or house in Poland<\/a> and want to check yours <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/kreditosposobnost-v-polshe-v-1-kvartale-2026-goda-skolko-realno-dayut-banki\/\" data-type=\"post\" data-id=\"497\">creditworthiness<\/a>?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I can pre-analyze your situation and check what options may be available, taking into account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>your income;<\/li>\n\n\n\n<li>forms of employment;<\/li>\n\n\n\n<li>family composition;<\/li>\n\n\n\n<li>children;<\/li>\n\n\n\n<li>age;<\/li>\n\n\n\n<li>current loans;<\/li>\n\n\n\n<li>residence status in Poland;<\/li>\n\n\n\n<li>the required loan amount.<\/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\">I work with mortgage loans in Poland and provide consultations in Russian, Ukrainian, and Polish.<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Write to me - and first we will analyze your situation, and only then we will choose a bank and real estate.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412\u044b \u0437\u0430\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0435\u0442\u0435, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, 11 000 z\u0142 netto \u0432 \u043c\u0435\u0441\u044f\u0446 \u0438 \u0445\u043e\u0442\u0438\u0442\u0435 \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435. \u041b\u043e\u0433\u0438\u0447\u043d\u044b\u0439 \u0432\u043e\u043f\u0440\u043e\u0441: \u041d\u0430 \u043a\u0430\u043a\u0443\u044e \u0441\u0443\u043c\u043c\u0443<\/p>","protected":false},"author":1,"featured_media":554,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[23,21,17,22,20,14],"class_list":["post-553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy","tag-banki-polshi","tag-ipoteka-2026","tag-ipoteka-v-polshe","tag-ipotechnyj-kredit-v-polshe","tag-kredit-v-polshe","tag-kreditosposobnost-v-polshe"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/553","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=553"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/553\/revisions"}],"predecessor-version":[{"id":555,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/553\/revisions\/555"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/554"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}