What the bank sees in BIK and KRD
Your active CHF loan shows up in BIK as a mortgage — the bank evaluates its monthly payment at the current exchange rate. The higher the rate, the higher the payment, the lower your credit capacity. A pending lawsuit does not appear in BIK, but some banks check the National Court Register and litigation databases. It can affect the decision.
How much you can get
Real capacity for an extra cash loan: gross salary minus the CHF payment minus other obligations. The bank typically accepts a DSTI (all loan payments to income) of 40–50%. If the CHF payment already eats 35% of your income, 10–15% is left for an extra loan — that's 2 000–4 000 PLN of monthly payment, which over 60 months gives an amount of 80 000–150 000 PLN.
When it's better to wait
If you're suing the bank over the CHF loan and you expect a final ruling within 6–12 months, wait. After the court ruling your credit situation changes fundamentally — either the contract is annulled (the loan disappears) or it is „de-franked" (the payment drops by 30–50%). In both cases your capacity rises markedly.
Official sources to consult
Statements from UOKiK and KNF on CHF cases are the only official, authoritative source. Talk to a lawyer who specialises in CHF cases — the „Stop Bankowemu Bezprawiu" association and specialist firms take cases on a contingency basis.