{"data":{"seriesId":"finwire_credit_stress_index","generatedAt":"2026-11-07T01:47:17.371Z","params":{"metrazM2":50,"okresLat":25,"ltvPct":80,"wkladPct":20,"rynek":"wtórny"},"sources":{"barnQuarter":"Q2 2026","gusPeriod":"średnia z 12 publikacji GUS (maj 2025 - kwiecień 2026)"},"thresholds":{"dstiBelowPct":40,"dstiAbovePct":50},"national":{"avgStressPct":41.8,"medianStressPct":40.2,"mostStressed":{"slug":"malopolskie","label":"Małopolskie","stressPct":55.5},"leastStressed":{"slug":"lodzkie","label":"Łódzkie","stressPct":31.4},"countAboveKnf":8,"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":14787,"cost50m2":739350,"salaryNet":6800,"kredyt":591480,"wklad":147870,"rata":3771,"stressPct":55.5,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":1},{"slug":"mazowieckie","label":"Mazowieckie","capitalCity":"Warszawa","citySlug":"warszawa","pricePerM2":16498,"cost50m2":824900,"salaryNet":7907,"kredyt":659920,"wklad":164980,"rata":4208,"stressPct":53.2,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":2},{"slug":"pomorskie","label":"Pomorskie","capitalCity":"Gdańsk","citySlug":"gdansk","pricePerM2":13359,"cost50m2":667950,"salaryNet":6724,"kredyt":534360,"wklad":133590,"rata":3407,"stressPct":50.7,"tier":3,"tierLabel":"trudno","fill":"#fb923c","rank":3},{"slug":"wielkopolskie","label":"Wielkopolskie","capitalCity":"Poznań","citySlug":"poznan","pricePerM2":11352,"cost50m2":567600,"salaryNet":6235,"kredyt":454080,"wklad":113520,"rata":2895,"stressPct":46.4,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":4},{"slug":"dolnoslaskie","label":"Dolnośląskie","capitalCity":"Wrocław","citySlug":"wroclaw","pricePerM2":12675,"cost50m2":633750,"salaryNet":7012,"kredyt":507000,"wklad":126750,"rata":3233,"stressPct":46.1,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":5},{"slug":"lubelskie","label":"Lubelskie","capitalCity":"Lublin","citySlug":"lublin","pricePerM2":10202,"cost50m2":510100,"salaryNet":6026,"kredyt":408080,"wklad":102020,"rata":2602,"stressPct":43.2,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":6},{"slug":"podkarpackie","label":"Podkarpackie","capitalCity":"Rzeszów","citySlug":"rzeszow","pricePerM2":9834,"cost50m2":491700,"salaryNet":5875,"kredyt":393360,"wklad":98340,"rata":2508,"stressPct":42.7,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":7},{"slug":"podlaskie","label":"Podlaskie","capitalCity":"Białystok","citySlug":"bialystok","pricePerM2":9710,"cost50m2":485500,"salaryNet":6111,"kredyt":388400,"wklad":97100,"rata":2476,"stressPct":40.5,"tier":2,"tierLabel":"napięcie","fill":"#facc15","rank":8},{"slug":"zachodniopomorskie","label":"Zachodniopomorskie","capitalCity":"Szczecin","citySlug":"szczecin","pricePerM2":9624,"cost50m2":481200,"salaryNet":6166,"kredyt":384960,"wklad":96240,"rata":2454,"stressPct":39.8,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":9},{"slug":"opolskie","label":"Opolskie","capitalCity":"Opole","citySlug":"opole","pricePerM2":9377,"cost50m2":468850,"salaryNet":6107,"kredyt":375080,"wklad":93770,"rata":2391,"stressPct":39.2,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":10},{"slug":"warminsko-mazurskie","label":"Warmińsko-mazurskie","capitalCity":"Olsztyn","citySlug":"olsztyn","pricePerM2":8903,"cost50m2":445150,"salaryNet":5868,"kredyt":356120,"wklad":89030,"rata":2271,"stressPct":38.7,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":11},{"slug":"swietokrzyskie","label":"Świętokrzyskie","capitalCity":"Kielce","citySlug":"kielce","pricePerM2":8801,"cost50m2":440050,"salaryNet":5955,"kredyt":352040,"wklad":88010,"rata":2245,"stressPct":37.7,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":12},{"slug":"lubuskie","label":"Lubuskie","capitalCity":"Zielona Góra","citySlug":"zielona-gora","pricePerM2":8742,"cost50m2":437100,"salaryNet":6035,"kredyt":349680,"wklad":87420,"rata":2230,"stressPct":37,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":13},{"slug":"kujawsko_pomorskie","label":"Kujawsko-pomorskie","capitalCity":"Bydgoszcz","citySlug":"bydgoszcz","pricePerM2":8065,"cost50m2":403250,"salaryNet":5997,"kredyt":322600,"wklad":80650,"rata":2057,"stressPct":34.3,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":14},{"slug":"slaskie","label":"Śląskie","capitalCity":"Katowice","citySlug":"katowice","pricePerM2":8143,"cost50m2":407150,"salaryNet":6523,"kredyt":325720,"wklad":81430,"rata":2077,"stressPct":31.8,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":15},{"slug":"lodzkie","label":"Łódzkie","capitalCity":"Łódź","citySlug":"lodz","pricePerM2":7737,"cost50m2":386850,"salaryNet":6276,"kredyt":309480,"wklad":77370,"rata":1973,"stressPct":31.4,"tier":1,"tierLabel":"komfort","fill":"#22c55e","rank":16}]},"meta":{"datasetId":"credit-stress","source":"finwire.pl (NBP BaRN + GUS; model rate based on WIBOR 3M, not exposed)","sourceUrl":"https://finwire.pl/mapa-stresu-kredytowego","license":"finwire.pl indicator (CC BY 4.0). Source data: NBP, GUS. Benchmark rate values (WIBOR) are not included.","asOf":"2026-11-07T01:47:17.371Z","fetchedAt":"2026-11-07T01:47:17.372Z","citation":"Source: finwire.pl (finwire.pl (NBP BaRN + GUS; model rate based on WIBOR 3M, not exposed)), https://public-api.finwire.pl/datasets/credit-stress","docsUrl":"https://public-api.finwire.pl/datasets/credit-stress"}}