{"data":{"generatedAt":"2026-06-24T05:46:01.704Z","params":{"metrazM2":50,"okresLat":25,"ltvPct":80,"wkladPct":20,"rynek":"wtórny"},"rates":{"wibor3m":3.84,"marginPp":2,"ratePct":5.84,"wiborAsOf":"2026-06-23","degraded":false},"sources":{"barnQuarter":"Q1 2026","gusPeriod":"Q4 2025"},"thresholds":{"dstiBelowPct":40,"dstiAbovePct":50},"national":{"avgStressPct":47.1,"medianStressPct":43.7,"mostStressed":{"slug":"malopolskie","label":"Małopolskie","stressPct":64.6},"leastStressed":{"slug":"slaskie","label":"Śląskie","stressPct":35.1},"countAboveKnf":6,"countComfort":4,"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":15110,"cost50m2":755500,"salaryNet":5940,"kredyt":604400,"wklad":151100,"rata":3835,"stressPct":64.6,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":1},{"slug":"mazowieckie","label":"Mazowieckie","capitalCity":"Warszawa","citySlug":"warszawa","pricePerM2":16393,"cost50m2":819650,"salaryNet":6622,"kredyt":655720,"wklad":163930,"rata":4161,"stressPct":62.8,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":2},{"slug":"pomorskie","label":"Pomorskie","capitalCity":"Gdańsk","citySlug":"gdansk","pricePerM2":13870,"cost50m2":693500,"salaryNet":5808,"kredyt":554800,"wklad":138700,"rata":3521,"stressPct":60.6,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":3},{"slug":"podkarpackie","label":"Podkarpackie","capitalCity":"Rzeszów","citySlug":"rzeszow","pricePerM2":10881,"cost50m2":544050,"salaryNet":5220,"kredyt":435240,"wklad":108810,"rata":2762,"stressPct":52.9,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":4},{"slug":"dolnoslaskie","label":"Dolnośląskie","capitalCity":"Wrocław","citySlug":"wroclaw","pricePerM2":12632,"cost50m2":631600,"salaryNet":6120,"kredyt":505280,"wklad":126320,"rata":3206,"stressPct":52.4,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":5},{"slug":"wielkopolskie","label":"Wielkopolskie","capitalCity":"Poznań","citySlug":"poznan","pricePerM2":10677,"cost50m2":533850,"salaryNet":5348,"kredyt":427080,"wklad":106770,"rata":2710,"stressPct":50.7,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":6},{"slug":"lubelskie","label":"Lubelskie","capitalCity":"Lublin","citySlug":"lublin","pricePerM2":9879,"cost50m2":493950,"salaryNet":5256,"kredyt":395160,"wklad":98790,"rata":2508,"stressPct":47.7,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":7},{"slug":"zachodniopomorskie","label":"Zachodniopomorskie","capitalCity":"Szczecin","citySlug":"szczecin","pricePerM2":9378,"cost50m2":468900,"salaryNet":5409,"kredyt":375120,"wklad":93780,"rata":2380,"stressPct":44,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":8},{"slug":"podlaskie","label":"Podlaskie","capitalCity":"Białystok","citySlug":"bialystok","pricePerM2":9164,"cost50m2":458200,"salaryNet":5361,"kredyt":366560,"wklad":91640,"rata":2326,"stressPct":43.4,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":9},{"slug":"opolskie","label":"Opolskie","capitalCity":"Opole","citySlug":"opole","pricePerM2":9118,"cost50m2":455900,"salaryNet":5426,"kredyt":364720,"wklad":91180,"rata":2314,"stressPct":42.6,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":10},{"slug":"warminsko-mazurskie","label":"Warmińsko-mazurskie","capitalCity":"Olsztyn","citySlug":"olsztyn","pricePerM2":8666,"cost50m2":433300,"salaryNet":5256,"kredyt":346640,"wklad":86660,"rata":2200,"stressPct":41.9,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":11},{"slug":"lubuskie","label":"Lubuskie","capitalCity":"Zielona Góra","citySlug":"zielona-gora","pricePerM2":8528,"cost50m2":426400,"salaryNet":5346,"kredyt":341120,"wklad":85280,"rata":2165,"stressPct":40.5,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":12},{"slug":"swietokrzyskie","label":"Świętokrzyskie","capitalCity":"Kielce","citySlug":"kielce","pricePerM2":8125,"cost50m2":406250,"salaryNet":5184,"kredyt":325000,"wklad":81250,"rata":2062,"stressPct":39.8,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":13},{"slug":"kujawsko_pomorskie","label":"Kujawsko-pomorskie","capitalCity":"Bydgoszcz","citySlug":"bydgoszcz","pricePerM2":8033,"cost50m2":401650,"salaryNet":5292,"kredyt":321320,"wklad":80330,"rata":2039,"stressPct":38.5,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":14},{"slug":"lodzkie","label":"Łódzkie","capitalCity":"Łódź","citySlug":"lodz","pricePerM2":7971,"cost50m2":398550,"salaryNet":5506,"kredyt":318840,"wklad":79710,"rata":2023,"stressPct":36.7,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":15},{"slug":"slaskie","label":"Śląskie","capitalCity":"Katowice","citySlug":"katowice","pricePerM2":8054,"cost50m2":402700,"salaryNet":5829,"kredyt":322160,"wklad":80540,"rata":2044,"stressPct":35.1,"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":"2026-06-24T05:46:01.704Z","fetchedAt":"2026-06-24T05:46:01.706Z","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"}}