Creditworthiness calculator

Creditworthiness is the maximum loan amount a bank is willing to lend, based on income and obligations.

Banks use the DTI (Debt-to-Income) ratio — the maximum instalment cannot exceed 40–50% of net income.

Net income, employment tenure, existing obligations, credit history (BIK), age, number of dependants.

Debt-to-Income — the ratio of total instalments to income. Most banks accept max 40–50%.

Yes, but banks often use the average income from 12–24 months. The calculator accepts any net income.

No — credit history (BIK) is key for the bank but cannot be analysed by the calculator.

Pay off existing obligations, increase income, extend the term, consider a joint mortgage.

With PLN 5,000 net, DTI 40%, 7% and 25 years, roughly PLN 280k. Check the exact result above.

No — it is an approximate estimate. Each bank has its own criteria.

Salary certificate (employment), PIT/bank statements (B2B), deed of own contribution, valuation report.