How Much Can I Borrow in Poland?
Enter your net income, your savings and the interest rate you expect: you will see your approximate borrowing capacity, the maximum price of the flat and whether your income or your savings limit you.
General values (Poland). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your monthly net income and your available savings.
- Add the interest rate you expect and the term.
- Check the values for Poland and change them if needed.
- See the maximum price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one applies. By income: the loan whose payment is the chosen share of income, plus savings, minus costs. By savings: the price at which your savings exactly cover the part that is not financed and the costs. The percentages are guide values for Poland. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Rekomendacja S dotycząca dobrych praktyk w zakresie zarządzania ekspozycjami kredytowymi zabezpieczonymi hipotecznie — Komisja Nadzoru Finansowego
About this calculator
How it is calculated
Buying a flat has two limits at once. The first is the payment: the Polish Financial Supervision Authority (KNF) recommends particular caution when loan payments exceed 40% of income (50% for higher incomes). The second is savings: banks usually finance up to 80% of the value, so you pay the rest and the costs yourself. The calculator works out the price for each limit and takes the lower one.
What banks in Poland look at
Besides DSTI, the bank calculates your borrowing capacity with a buffer for rising interest rates, checks your history in BIK and your job stability. Government programmes for first-time buyers can lower the required own contribution.
Buying costs in Poland
On the secondary market you pay 2% PCC tax, the notary fee and court fees, usually 3–4% of the price in total. On the primary market there is no PCC, and VAT is already included in the price. The 3.5% filled in is a general value: check it with your bank or adviser.
Frequently asked questions
What limits the price I can afford?
Two things at once: your income sets the maximum payment, and your savings have to cover your own contribution and the buying costs. The calculator compares both limits and shows which one applies.
Why are the costs not included in the loan?
PCC tax, the notary and the court fees are usually paid from your own funds, together with your own contribution.
Net or gross income?
Polish banks look at net income and the DSTI ratio, the share of all loan payments in your income. If you are buying as a couple, add your incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Poland, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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