Credit Capacity Calculator
Check your approximate maximum loan amount based on your income and expenses.
Your financial situation
Approximate credit capacity
How do banks assess creditworthiness?
Credit capacity is the maximum amount a bank is willing to lend you. It depends on many factors — our calculator gives an approximate result. The bank's final decision may differ.
DTI ratio
Banks use the DTI (Debt-to-Income) ratio — the ratio of all loan installments to income. KNF (Financial Supervision Authority) recommendation: the installment should not exceed 50% of net income (for income up to 10 × minimum wage) or 65% for higher incomes. Our calculator uses the conservative 50% limit.
What affects creditworthiness?
- Amount and source of income (employment vs B2B)
- Credit history in BIK (Credit Information Bureau)
- Existing obligations and credit cards
- Number of dependents
- Borrower's age (max up to 70–75 years)
- Down payment (min 10–20%)
B2B and creditworthiness
B2B entrepreneurs typically have lower creditworthiness than employed persons with the same income. Banks require a minimum of 12–24 months of business operation and calculate income as the average of the last 12–24 months, reduced by costs and taxes.