Borrowing capacity calculator

Enter net income, living costs and other debts for a rough max loan using a ~40% DSTI and +2 p.p. rate stress.

All toolsRead the October 2026 mortgage guide

How to use it

  1. Choose a bank — we load its published nominal rates, RRSO example, max LTV and term.
  2. Enter net income, living costs and other debts. We apply a simplified DSTI (~40%) and a +2 p.p. rate stress buffer.
  3. Compare banks, then verify on the bank’s site or with a doradca kredytowy — real underwriting differs by income type and history.

Bank

Promo easy-start RRSO from ~6.08% variable; fixed 5y ~6.86% RRSO.

Est. max loan
402 104 zł
Instalment at max loan
2680 zł
Max payment (DSTI)
3200 zł
Stressed rate (+2 p.p.)
8.36%

Estimates only. Not a bank offer or credit advice. Lending depends on individual credit assessment. Rates and RRSO come from public representative examples and can change.

Bank logos are trademarks of their owners, used here only for identification. Sources: Wikimedia Commons.