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Creditworthiness calculator
Enter your net income, existing obligations and loan parameters — the calculator estimates the maximum instalment and approximate credit capacity.
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How we calculate creditworthiness
Max instalment = income × DTI% − obligations. From the instalment we derive the max amount: P = instalment × ((1+r)^n − 1) / (r × (1+r)^n).
Example: PLN 5,000 net, no obligations
With PLN 5,000 net, DTI 40%, 7% and 25 years: max instalment ≈ PLN 2,000, estimated capacity ≈ PLN 280,000.
Frequently asked questions
What is creditworthiness?
Creditworthiness is the maximum loan amount a bank is willing to lend, based on income and obligations.
How do banks calculate creditworthiness?
Banks use the DTI (Debt-to-Income) ratio — the maximum instalment cannot exceed 40–50% of net income.
What affects creditworthiness?
Net income, employment tenure, existing obligations, credit history (BIK), age, number of dependants.
What is the DTI ratio?
Debt-to-Income — the ratio of total instalments to income. Most banks accept max 40–50%.
Is B2B income counted?
Yes, but banks often use the average income from 12–24 months. The calculator accepts any net income.
Does the calculator check BIK?
No — credit history (BIK) is key for the bank but cannot be analysed by the calculator.
How do I increase creditworthiness?
Pay off existing obligations, increase income, extend the term, consider a joint mortgage.
How much credit with PLN 5,000 net?
With PLN 5,000 net, DTI 40%, 7% and 25 years, roughly PLN 280k. Check the exact result above.
Is the calculator result a bank offer?
No — it is an approximate estimate. Each bank has its own criteria.
What documents does the bank require?
Salary certificate (employment), PIT/bank statements (B2B), deed of own contribution, valuation report.
The result is indicative and is not a bank credit assessment. Each bank has its own criteria and may offer a different amount.
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