{"data":{"generatedAt":"2026-09-22T17:07:22.179Z","params":{"metrazM2":50,"okresLat":25,"ltvPct":80,"wkladPct":20,"rynek":"wtórny"},"rates":{"wibor3m":3.84,"marginPp":2,"ratePct":5.84,"wiborAsOf":"2026-09-21","degraded":false},"sources":{"barnQuarter":"Q1 2026","gusPeriod":"średnia z 12 publikacji GUS (kwiecień 2025 - marzec 2026)"},"thresholds":{"dstiBelowPct":40,"dstiAbovePct":50},"national":{"avgStressPct":41,"medianStressPct":39.6,"mostStressed":{"slug":"malopolskie","label":"Małopolskie","stressPct":54.1},"leastStressed":{"slug":"lodzkie","label":"Łódzkie","stressPct":30.4},"countAboveKnf":3,"countComfort":8,"regionCount":16},"tiers":[{"id":1,"label":"komfort","fill":"#22c55e","upTo":40},{"id":2,"label":"napięcie","fill":"#facc15","upTo":50},{"id":3,"label":"trudno","fill":"#fb923c","upTo":65},{"id":4,"label":"bardzo trudno","fill":"#ef4444","upTo":80},{"id":5,"label":"ekstremalnie","fill":"#b91c1c","upTo":null}],"regions":[{"slug":"malopolskie","label":"Małopolskie","capitalCity":"Kraków","citySlug":"krakow","pricePerM2":14422,"cost50m2":721100,"salaryNet":6764,"kredyt":576880,"wklad":144220,"rata":3661,"stressPct":54.1,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":1},{"slug":"mazowieckie","label":"Mazowieckie","capitalCity":"Warszawa","citySlug":"warszawa","pricePerM2":16498,"cost50m2":824900,"salaryNet":7870,"kredyt":659920,"wklad":164980,"rata":4188,"stressPct":53.2,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":2},{"slug":"pomorskie","label":"Pomorskie","capitalCity":"Gdańsk","citySlug":"gdansk","pricePerM2":13376,"cost50m2":668800,"salaryNet":6694,"kredyt":535040,"wklad":133760,"rata":3395,"stressPct":50.7,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":3},{"slug":"wielkopolskie","label":"Wielkopolskie","capitalCity":"Poznań","citySlug":"poznan","pricePerM2":11212,"cost50m2":560600,"salaryNet":6206,"kredyt":448480,"wklad":112120,"rata":2846,"stressPct":45.9,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":4},{"slug":"dolnoslaskie","label":"Dolnośląskie","capitalCity":"Wrocław","citySlug":"wroclaw","pricePerM2":12256,"cost50m2":612800,"salaryNet":6976,"kredyt":490240,"wklad":122560,"rata":3111,"stressPct":44.6,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":5},{"slug":"podkarpackie","label":"Podkarpackie","capitalCity":"Rzeszów","citySlug":"rzeszow","pricePerM2":10248,"cost50m2":512400,"salaryNet":5846,"kredyt":409920,"wklad":102480,"rata":2601,"stressPct":44.5,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":6},{"slug":"lubelskie","label":"Lubelskie","capitalCity":"Lublin","citySlug":"lublin","pricePerM2":9938,"cost50m2":496900,"salaryNet":5996,"kredyt":397520,"wklad":99380,"rata":2522,"stressPct":42.1,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":7},{"slug":"podlaskie","label":"Podlaskie","capitalCity":"Białystok","citySlug":"bialystok","pricePerM2":9749,"cost50m2":487450,"salaryNet":6080,"kredyt":389960,"wklad":97490,"rata":2475,"stressPct":40.7,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":8},{"slug":"warminsko-mazurskie","label":"Warmińsko-mazurskie","capitalCity":"Olsztyn","citySlug":"olsztyn","pricePerM2":8862,"cost50m2":443100,"salaryNet":5846,"kredyt":354480,"wklad":88620,"rata":2249,"stressPct":38.5,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":9},{"slug":"zachodniopomorskie","label":"Zachodniopomorskie","capitalCity":"Szczecin","citySlug":"szczecin","pricePerM2":9285,"cost50m2":464250,"salaryNet":6140,"kredyt":371400,"wklad":92850,"rata":2357,"stressPct":38.4,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":10},{"slug":"swietokrzyskie","label":"Świętokrzyskie","capitalCity":"Kielce","citySlug":"kielce","pricePerM2":8639,"cost50m2":431950,"salaryNet":5929,"kredyt":345560,"wklad":86390,"rata":2193,"stressPct":37,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":11},{"slug":"opolskie","label":"Opolskie","capitalCity":"Opole","citySlug":"opole","pricePerM2":8819,"cost50m2":440950,"salaryNet":6085,"kredyt":352760,"wklad":88190,"rata":2238,"stressPct":36.8,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":12},{"slug":"lubuskie","label":"Lubuskie","capitalCity":"Zielona Góra","citySlug":"zielona-gora","pricePerM2":8421,"cost50m2":421050,"salaryNet":6012,"kredyt":336840,"wklad":84210,"rata":2137,"stressPct":35.5,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":13},{"slug":"kujawsko_pomorskie","label":"Kujawsko-pomorskie","capitalCity":"Bydgoszcz","citySlug":"bydgoszcz","pricePerM2":7832,"cost50m2":391600,"salaryNet":5972,"kredyt":313280,"wklad":78320,"rata":1988,"stressPct":33.3,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":14},{"slug":"slaskie","label":"Śląskie","capitalCity":"Katowice","citySlug":"katowice","pricePerM2":7921,"cost50m2":396050,"salaryNet":6503,"kredyt":316840,"wklad":79210,"rata":2011,"stressPct":30.9,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":15},{"slug":"lodzkie","label":"Łódzkie","capitalCity":"Łódź","citySlug":"lodz","pricePerM2":7477,"cost50m2":373850,"salaryNet":6245,"kredyt":299080,"wklad":74770,"rata":1898,"stressPct":30.4,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":16}]},"meta":{"datasetId":"credit-stress","source":"finwire.pl (NBP BaRN + GUS + WIBOR)","sourceUrl":"https://finwire.pl/mapa-stresu-kredytowego","license":"finwire.pl indicator (CC BY 4.0). Source data: NBP, GUS.","asOf":"2026-09-22T17:07:22.179Z","fetchedAt":"2026-09-22T17:07:22.180Z","citation":"Source: finwire.pl (finwire.pl (NBP BaRN + GUS + WIBOR)), https://public-api.finwire.pl/datasets/credit-stress","docsUrl":"https://public-api.finwire.pl/datasets/credit-stress"}}