Calculator

How much can you borrow

We calculate the way a bank does: the interest rate gets the 2.5 pp buffer required by the regulator, and the instalment is capped as a share of income (DSTI). The result is indicative — every bank has its own thresholds.

How much you take homeMonthly, together with the person you're borrowing withHow many people in the familyChildren included — the bank deducts living costs for each personHow much of your own moneyWhat you pay for other loansMonthly: personal loan, car, instalment purchasesCredit card or account overdraftEnter the limit the bank granted you — it counts even unused, because you could spend it any dayInterest rate — 7.5%For how many years — 25 years

Indicative result

The bank can lend

533,729 zł

instalment up to 50% of income

426,983 zł with an instalment up to 40% of income

A flat costing at most

667,161 zł

instalment up to 50% of income

533,729 zł with an instalment up to 40% of income

Instalment at 7.5%: 3,944 zł

The instalment the bank calculates (10.0%): 4,850 zł

This is an estimate, not an offer or a credit decision. The bank will also weigh your credit history, type of employment, length of service and living costs.

Check it with an adviser — free of charge

The adviser compares bank offers and calculates capacity from your documents. The bank pays, not you.

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Informacja o przetwarzaniu danych (RODO)

Administratorem Twoich danych jest X·State Real Estate, kontakt: admin@xstate.pl. Dane z formularza przetwarzamy, żeby odpowiedzieć na zapytanie i przedstawić oferty (art. 6 ust. 1 lit. b i f RODO), przez czas rozmowy i trzy lata po jej zakończeniu — tyle trwa okres przedawnienia roszczeń.

Masz prawo dostępu do danych, ich sprostowania, usunięcia, ograniczenia przetwarzania, przenoszenia oraz wniesienia sprzeciwu, a także skargi do Prezesa Urzędu Ochrony Danych Osobowych. Podanie danych jest dobrowolne, ale bez numeru telefonu albo adresu e-mail nie mamy jak się odezwać. Szczegóły w Polityce prywatności.