How to check your creditworthiness?

If you want a quick estimate of your creditworthiness (zdolność kredytowa), you can use our creditworthiness calculator available in the Tools section. Based on a few basic details, the calculator provides an approximate value you can expect. Please note that the result is a preliminary estimate based on limited information. Actual creditworthiness depends on many factors, may vary between banks, and can change over time.

Is it worth going directly to a bank to obtain your creditwortiness assessment? Certainly, a bank can calculate and present your creditworthiness accurately—but only within its own system. To get a precise estimate across multiple banks in one go, it’s best to consult a professional mortgage broker, which we highly recommend.

We calculate our clients’ creditworthiness across all major banks operating in Poland. When necessary, we also advise on legal and practical ways to improve it.