Below, we look at different creditworthiness scenarios to help you better understand your financial options.

Why is creditworthiness worth taking care of?

  • Lower borrowing costs: Better creditworthiness translates into more favourable interest rates and lower instalments.
  • Greater availability of finance: A high creditworthiness increases your chances of obtaining a loan for larger amounts.
  • Better credit terms: Banks and financial institutions are more likely to offer better terms to customers with a good credit history.

How to improve your creditworthiness?

  • Timely repayments: Regular and timely repayments are key.
  • Avoiding over-indebtedness: Try to keep credit card balances low.
  • Monitoring your credit report: Checking your credit report regularly allows you to spot and fix mistakes and keep track of your financial situation.
  • Stable income: A steady and regular income positively affects your credit score.

Creditworthiness analysis for July 2024

Below are detailed calculations of creditworthiness for different income levels and household structures.

Creditworthiness of a Single

  • Earnings of 3500 zł – Creditworthiness is 171 083 zł.
  • Earnings of 5000 zł – Creditworthiness is 332 918 zł.
  • Earnings of 8000 zł – Creditworthiness is 572478 zł.
  • Earnings of 12 000 zł – Creditworthiness is 858 717 zł.

Creditworthiness of a Single Person with a Child

  • Earnings 7000 zł – Creditworthiness is 28 954 zł.
  • Earnings 9000 zł – Creditworthiness is 190 789 zł.
  • Earnings 12 000 zł –Creditworthiness is 514 459 zł.
  • Earnings 16 000 zł – Creditworthiness is 858 717 zł.

Couples’ Creditworthiness

  • Earnings 7000 zł – Creditworthiness is 223 266 zł.
  • Earnings 9000 zł – Creditworthiness is 439 046 zł.
  • Earnings 12 000 zł – Creditworthiness is 762 717 zł.
  • Earnings 16 000 zł – Creditworthiness is 1 144 956 zł.

Creditworthiness of a Couple with a Child

  • Earnings 7000 zł – Creditworthiness is 406 569 zł.
  • Earnings 9000 zł – Creditworthiness is 622 349 zł.
  • Earnings 12 000 zł – Creditworthiness is 858 717 zł.
  • Earnings 16 000 zł – Creditworthiness is 1 144 956 zł.

Creditworthiness of Couples with Two Children

  • Earnings 7000 zł – Creditworthiness is 223 266 zł.
  • Earnings 9000 zł – Creditworthiness is 439 046 zł.
  • Earnings 12 000 zł – Creditworthiness is 762 717 zł.
  • Earnings 16 000 zł – Creditworthiness is 1 144 956 zł.

Make an appointment for a free consultation today!

If you are planning to take out a mortgage in the near future, now is the ideal time to analyse your creditworthiness and consult a financial adviser. Contact us for a personalised analysis and optimal credit solutions tailored to your needs. With our services, you can increase your creditworthiness and fulfil your dreams of owning your own home or other important investments.

Phone: +48 12 352 12 12

Join our community to stay up-to-date on the most important news in credit, personal finance, economics and law.