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osoby dorosłe, bez dzieci"},{"term":"Dochód netto","definition":"11 600 zł / mies. - stały parametr modelu: nie zmienia się z miesiąca na miesiąc, więc barometr pokazuje wpływ stóp procentowych i marż, a nie wzrostu płac"},{"term":"Koszty utrzymania","definition":"2000 zł / mies. - benchmark KNF dla gospodarstwa 2-osobowego"},{"term":"Limit DSTI","definition":"50 proc. dochodu (Rekomendacja S KNF dla dochodu powyżej średniej krajowej)"},{"term":"Maksymalna rata","definition":"5800 zł = niższa z kwot 11 600 × 50% i 11 600 - 2000"},{"term":"Okres kredytu","definition":"30 lat (360 rat równych); zdolność liczona dla 25 lat, bo przy dłuższym okresie tak każe Rekomendacja S (rek. 7.2)"},{"term":"Pozycja w historii","definition":"bieżący odczyt porównujemy z każdym miesiącem od stycznia 2015 policzonym tym samym modelem: podajemy najlepszy i najgorszy miesiąc, odsetek miesięcy z gorszym wynikiem oraz od kiedy nie było tak dobrze (albo tak źle)"},{"term":"Identyfikator","definition":"finwire_borrowing_power_barometer (wersja metody 1)"}],"source":"finwire.pl - WIBOR 3M (GPW Benchmark) + Rekomendacja S KNF"},"meta":{"datasetId":"borrowing-power","source":"finwire.pl","sourceUrl":"https://finwire.pl/barometr-zdolnosci-kredytowej","license":"finwire.pl indicator (CC BY 4.0).","asOf":"2026-11-06","fetchedAt":"2026-11-07T01:56:15.402Z","citation":"Source: finwire.pl (finwire.pl), https://public-api.finwire.pl/datasets/borrowing-power","docsUrl":"https://public-api.finwire.pl/datasets/borrowing-power"}}