Creditworthiness Calculator
Check your indicative borrowing capacity in Poland — based on KNF Recommendation S (DSTI 50%).
Borrowing capacity is the maximum loan amount a bank may grant — calculated from your net income, other loan installments, credit card limits, dependents, plus the loan term and interest rate. Per KNF Recommendation S, the installment may not exceed 50% of disposable income (DSTI 50%). The kreddo.pl calculator returns an indicative figure — banks additionally apply BIK credit scoring, contract type and seniority.
Disposable income
PLN 6,400
Maximum installment (DSTI 50%)
PLN 3,200
Estimated borrowing capacity
PLN 433,022
* Indicative result. Banks apply their own scoring models, BIK credit history, contract type, age and other factors. KNF guideline: installment ≤ 50% of net income (DSTI).
Frequently asked questions
How do banks calculate borrowing capacity?
Banks sum your net income, subtract living costs (~PLN 1,600 per person + PLN 900 per dependent), other loan installments and 3–5% of credit card limits. They then apply DSTI 50% (KNF Recommendation S) — your installment cannot exceed half of your disposable income — and convert that into a maximum loan amount.
Does the calculator check BIK and credit history?
No — this is an indicative result based on the DSTI (Debt Service to Income) ratio. Banks additionally check BIK credit history, contract type (employment vs B2B), seniority, age and industry. The same income may produce different results in two banks.
What lowers borrowing capacity?
Credit card limits (even unused ones), overdrafts, other installments, guarantees, alimony, leasing, payday loans, weak BIK history, freelance contracts, low down payment, and loan terms over 30 years.
How can I improve borrowing capacity before applying?
Close unused credit cards and overdraft lines, repay small loans, avoid new commitments for 3–6 months before applying, gather proof of all income (bonuses, overtime), add a co-borrower, and choose a longer loan term.