Mortgage borrowing capacity calculator
Estimate how large a mortgage you can afford in Poland based on your income and obligations. The result factors in the DSTI limit, estimated household living costs and a stress test (rate + 2.5pp) in line with KNF Recommendation S.
Rough estimate. Your real capacity is set by the bank individually - it depends on employment type, BIK credit score, number of borrowers and bank policy.
Frequently asked questions
What is borrowing capacity?+
It is the maximum loan a bank can grant you given your income, obligations and living costs. The bank checks whether the instalment - calculated with a safety buffer - fits within an allowed share of your income (DSTI).
Why does the result assume a higher-than-market rate?+
KNF Recommendation S requires banks to assess capacity at the rate plus a buffer (a stress test, typically +2.5pp), so the instalment stays affordable if WIBOR rises. That is why the maximum loan is lower than at the current rate.
What lowers and what raises borrowing capacity?+
Lowers it: other loans and instalments, credit-card limits, high living costs, fixed-term contracts. Raises it: higher net income, a second borrower, a longer loan term, no other obligations and a good BIK history.
Is this a bank offer?+
No. It is an indicative calculator, not an offer or advice. Your real capacity and offer are calculated by the bank. On request we can connect you with an independent mortgage expert (partner) who will check your capacity across several banks.