Poland mortgage affordability calculator 2026 (zdolność kredytowa)
Enter your net income, existing commitments and rate type to see the maximum mortgage under the KNF recommendations.
Maximum loan amount: PLN 417,325.06
Maximum monthly payment: PLN 2,494.03 · Stressed interest rate: 8.47 % · DSTI: 40 %
| Limiting factor | |
|---|---|
| DSTI (payment / income) | PLN 417,325.06 |
| Maximum loan amount | PLN 417,325.06 |
This calculation is indicative and based on the KNF Rekomendacja S recommendations in force on 18 July 2026, not a binding law. Banks have their own internal methodologies within these recommendations — the actual offer may differ.
How creditworthiness is calculated in Poland
The KNF's Rekomendacja S recommends a DSTI (payment-to-income ratio) of at most 40% if household income is at or below the average gross wage (PLN 9,600 per GUS Q1 2026 data), and 50% above that.
IMPORTANT: when calculating affordability, banks add a stress buffer to the current rate — for a rate fixed for at least 5 years this is a minimum of 2.5 percentage points, while for a variable rate banks commonly use a higher buffer (typically 5.0 percentage points). This is the opposite of what's sometimes stated incorrectly — a fixed rate has a LOWER buffer, not a higher one.
The recommended LTV is 80% of property value, exceptionally up to 90% with low-deposit insurance.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| PLN 4,500.00 | PLN 234,745.34 |
| PLN 6,000.00 | PLN 312,993.79 |
| PLN 8,000.00 | PLN 417,325.06 |
| PLN 10,000.00 | PLN 652,070.40 |
| PLN 14,000.00 | PLN 912,898.56 |
| PLN 20,000.00 | PLN 1,304,140.80 |
Frequently asked questions
Why is DSTI sometimes 40% and sometimes 50%?
40% applies when household income is at or below the average gross wage (PLN 9,600, GUS Q1 2026), 50% above it.
Why does a variable rate have a higher buffer than a fixed rate?
Since February 2023 the KNF recommends a minimum 2.5 percentage point buffer only for a rate fixed at least 5 years — for a variable rate, which can change more often, banks use a higher buffer (typically 5.0 percentage points).
What is the LTV for a Polish mortgage?
Recommended at 80% of property value, exceptionally 90% with low-deposit insurance.
How much can I borrow on PLN 8,000 income?
The exact amount is calculated based on your rate type and term — it depends mainly on whether income is above or below the average wage.
Why does the bank offer a different amount than the calculator?
Rekomendacja S is a KNF recommendation, not a strict law — individual banks may use slightly different internal parameters.
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Last updated: 18 July 2026