{"id":1529,"date":"2020-11-05T13:04:29","date_gmt":"2020-11-05T12:04:29","guid":{"rendered":"http:\/\/twojportfel.eu\/?page_id=1529"},"modified":"2026-03-24T12:35:54","modified_gmt":"2026-03-24T11:35:54","slug":"kredyty","status":"publish","type":"page","link":"https:\/\/twojportfel.eu\/?page_id=1529","title":{"rendered":"Kredyty Got\u00f3wkowe"},"content":{"rendered":"\t\t
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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tKredyty got\u00f3wkowe 2026 r.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Oblicz rat\u0119 kalkulatorem<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    I wnioskuj przez internet<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    \n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Premium kalkulator kredyt\u00f3w got\u00f3wkowych<\/title>\r\n <style>\r\n :root {\r\n --bg: #f4f8ff;\r\n --panel: rgba(255,255,255,0.88);\r\n --panel-strong: #ffffff;\r\n --text: #0f172a;\r\n --muted: #5b6b85;\r\n --line: #dbe7ff;\r\n --primary: #2563eb;\r\n --primary-2: #1d4ed8;\r\n --primary-soft: #eaf2ff;\r\n --success: #0f9f6e;\r\n --warning: #f59e0b;\r\n --shadow: 0 18px 50px rgba(37, 99, 235, 0.10);\r\n --shadow-soft: 0 10px 30px rgba(15, 23, 42, 0.08);\r\n --radius-xl: 24px;\r\n --radius-lg: 18px;\r\n --radius-md: 14px;\r\n --max: 1180px;\r\n }\r\n\r\n * { box-sizing: border-box; }\r\n html { scroll-behavior: smooth; }\r\n body {\r\n margin: 0;\r\n font-family: Inter, Arial, Helvetica, sans-serif;\r\n color: var(--text);\r\n background:\r\n radial-gradient(circle at top left, rgba(37, 99, 235, 0.11), transparent 26%),\r\n radial-gradient(circle at top right, rgba(59, 130, 246, 0.08), transparent 18%),\r\n linear-gradient(180deg, #f8fbff 0%, #eef5ff 100%);\r\n }\r\n\r\n .loan-ranking {\r\n max-width: var(--max);\r\n margin: 0 auto;\r\n padding: 28px 16px 52px;\r\n }\r\n\r\n .hero {\r\n background: linear-gradient(135deg, #0f3da8 0%, #2563eb 55%, #4f8cff 100%);\r\n color: #fff;\r\n border-radius: 30px;\r\n padding: 28px;\r\n box-shadow: var(--shadow);\r\n position: relative;\r\n overflow: hidden;\r\n margin-bottom: 22px;\r\n }\r\n\r\n .hero::after {\r\n content: \"\";\r\n position: absolute;\r\n inset: auto -60px -90px auto;\r\n width: 240px;\r\n height: 240px;\r\n background: radial-gradient(circle, rgba(255,255,255,0.18) 0%, rgba(255,255,255,0) 70%);\r\n pointer-events: none;\r\n }\r\n\r\n .hero h2 {\r\n margin: 0 0 8px;\r\n font-size: clamp(1.7rem, 2vw + 1rem, 2.35rem);\r\n line-height: 1.08;\r\n letter-spacing: -0.02em;\r\n }\r\n\r\n .hero p {\r\n margin: 0;\r\n max-width: 760px;\r\n color: rgba(255,255,255,0.92);\r\n font-size: 1rem;\r\n line-height: 1.6;\r\n }\r\n\r\n .toolbar {\r\n margin-top: 18px;\r\n display: flex;\r\n flex-wrap: wrap;\r\n gap: 10px;\r\n }\r\n\r\n .chip {\r\n background: rgba(255,255,255,0.14);\r\n color: #fff;\r\n border: 1px solid rgba(255,255,255,0.18);\r\n border-radius: 999px;\r\n padding: 9px 12px;\r\n font-size: 0.88rem;\r\n backdrop-filter: blur(8px);\r\n }\r\n\r\n .controls {\r\n background: var(--panel);\r\n backdrop-filter: blur(12px);\r\n border: 1px solid rgba(255,255,255,0.65);\r\n border-radius: var(--radius-xl);\r\n padding: 22px;\r\n box-shadow: var(--shadow-soft);\r\n margin-bottom: 18px;\r\n }\r\n\r\n .controls-grid {\r\n display: grid;\r\n grid-template-columns: 1.4fr 1.4fr 0.9fr;\r\n gap: 16px;\r\n align-items: end;\r\n }\r\n\r\n .field {\r\n background: var(--panel-strong);\r\n border: 1px solid var(--line);\r\n border-radius: var(--radius-lg);\r\n padding: 16px;\r\n min-height: 118px;\r\n }\r\n\r\n .field-top {\r\n display: flex;\r\n justify-content: space-between;\r\n gap: 12px;\r\n align-items: baseline;\r\n margin-bottom: 8px;\r\n }\r\n\r\n .field label {\r\n display: block;\r\n font-size: 0.9rem;\r\n color: var(--muted);\r\n font-weight: 700;\r\n margin-bottom: 6px;\r\n }\r\n\r\n .field .value {\r\n font-weight: 800;\r\n font-size: 1.4rem;\r\n color: var(--text);\r\n letter-spacing: -0.02em;\r\n }\r\n\r\n .field .hint {\r\n display: block;\r\n margin-top: 8px;\r\n color: var(--muted);\r\n font-size: 0.82rem;\r\n }\r\n\r\n .range-wrap {\r\n padding-top: 8px;\r\n }\r\n\r\n input[type=\"range\"] {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 100%;\r\n height: 8px;\r\n background: linear-gradient(90deg, var(--primary) 0%, #8ab4ff 100%);\r\n border-radius: 999px;\r\n outline: none;\r\n }\r\n\r\n input[type=\"range\"]::-webkit-slider-thumb {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 22px;\r\n height: 22px;\r\n border-radius: 50%;\r\n background: #fff;\r\n border: 4px solid var(--primary);\r\n box-shadow: 0 6px 18px rgba(37, 99, 235, 0.28);\r\n cursor: pointer;\r\n }\r\n\r\n input[type=\"range\"]::-moz-range-thumb {\r\n width: 22px;\r\n height: 22px;\r\n border-radius: 50%;\r\n background: #fff;\r\n border: 4px solid var(--primary);\r\n box-shadow: 0 6px 18px rgba(37, 99, 235, 0.28);\r\n cursor: pointer;\r\n }\r\n\r\n .sort-box {\r\n display: flex;\r\n flex-direction: column;\r\n justify-content: space-between;\r\n min-height: 118px;\r\n }\r\n\r\n .select {\r\n width: 100%;\r\n border: 1px solid var(--line);\r\n border-radius: 12px;\r\n padding: 12px 14px;\r\n font-size: 0.95rem;\r\n color: var(--text);\r\n background: #fff;\r\n outline: none;\r\n font-weight: 600;\r\n }\r\n\r\n .summary-bar {\r\n display: grid;\r\n grid-template-columns: repeat(4, minmax(0,1fr));\r\n gap: 12px;\r\n margin-bottom: 16px;\r\n }\r\n\r\n .summary-card {\r\n background: rgba(255,255,255,0.78);\r\n border: 1px solid rgba(219, 231, 255, 0.95);\r\n border-radius: 18px;\r\n padding: 15px 16px;\r\n box-shadow: var(--shadow-soft);\r\n }\r\n\r\n .summary-card .label {\r\n color: var(--muted);\r\n font-size: 0.82rem;\r\n margin-bottom: 6px;\r\n display: block;\r\n font-weight: 700;\r\n }\r\n\r\n .summary-card strong {\r\n font-size: 1.15rem;\r\n letter-spacing: -0.02em;\r\n }\r\n\r\n .results {\r\n display: grid;\r\n gap: 16px;\r\n }\r\n\r\n .offer {\r\n position: relative;\r\n background: rgba(255,255,255,0.92);\r\n border: 1px solid #bfd4ff;\r\n border-radius: 24px;\r\n box-shadow: var(--shadow-soft);\r\n overflow: hidden;\r\n transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;\r\n }\r\n\r\n .offer:hover {\r\n transform: translateY(-2px);\r\n box-shadow: 0 20px 44px rgba(15, 23, 42, 0.12);\r\n border-color: #8fb6ff;\r\n }\r\n\r\n .offer.featured {\r\n border: 1px solid rgba(37, 99, 235, 0.35);\r\n box-shadow: 0 22px 60px rgba(37, 99, 235, 0.16);\r\n }\r\n\r\n .offer.featured::before {\r\n content: \"\";\r\n position: absolute;\r\n inset: 0 auto 0 0;\r\n width: 6px;\r\n background: linear-gradient(180deg, #2563eb 0%, #60a5fa 100%);\r\n }\r\n\r\n .badge-row {\r\n display: flex;\r\n flex-wrap: wrap;\r\n gap: 8px;\r\n margin: 0 0 14px;\r\n }\r\n\r\n .offer-title-bar {\r\n display: inline-flex;\r\n align-items: center;\r\n gap: 8px;\r\n flex-wrap: wrap;\r\n margin: 0 0 14px;\r\n padding: 10px 14px;\r\n border-radius: 999px;\r\n background: #f4f8ff;\r\n border: 1px solid #d7e5ff;\r\n color: #1e3a8a;\r\n font-size: 0.9rem;\r\n font-weight: 800;\r\n line-height: 1.4;\r\n }\r\n\r\n .offer-title-bar .mode {\r\n color: #52637f;\r\n font-weight: 700;\r\n }\r\n\r\n .badge {\r\n display: inline-flex;\r\n align-items: center;\r\n gap: 6px;\r\n border-radius: 999px;\r\n padding: 7px 11px;\r\n font-size: 0.77rem;\r\n font-weight: 800;\r\n letter-spacing: 0.01em;\r\n text-transform: uppercase;\r\n }\r\n\r\n .badge.best { background: #e9f2ff; color: var(--primary-2); }\r\n .badge.online { background: #effdf6; color: var(--success); }\r\n .badge.zero { background: #fff8e8; color: #a16207; }\r\n .badge.note { background: #f5f7fb; color: #4a5a77; }\r\n\r\n .offer-inner {\r\n padding: 22px;\r\n }\r\n\r\n .offer-top {\r\n display: grid;\r\n grid-template-columns: minmax(220px, 0.95fr) minmax(420px, 1.8fr) minmax(210px, 0.9fr);\r\n gap: 18px;\r\n align-items: center;\r\n }\r\n\r\n .brand {\r\n display: flex;\r\n align-items: center;\r\n gap: 14px;\r\n min-width: 0;\r\n }\r\n\r\n .brand-logo {\r\n width: 84px;\r\n height: 84px;\r\n background: #fff;\r\n border: 1px solid var(--line);\r\n border-radius: 18px;\r\n padding: 10px;\r\n display: grid;\r\n place-items: center;\r\n flex-shrink: 0;\r\n box-shadow: inset 0 1px 0 rgba(255,255,255,0.75);\r\n }\r\n\r\n .brand-logo img {\r\n max-width: 100%;\r\n max-height: 100%;\r\n object-fit: contain;\r\n display: block;\r\n }\r\n\r\n .brand h3 {\r\n margin: 0;\r\n font-size: 1.1rem;\r\n line-height: 1.3;\r\n letter-spacing: -0.02em;\r\n }\r\n\r\n .brand p {\r\n margin: 6px 0 0;\r\n color: var(--muted);\r\n font-size: 0.92rem;\r\n line-height: 1.55;\r\n }\r\n\r\n .metrics {\r\n display: grid;\r\n grid-template-columns: repeat(3, minmax(0,1fr));\r\n gap: 14px;\r\n }\r\n\r\n .metric {\r\n background: linear-gradient(180deg, #ffffff 0%, #f7faff 100%);\r\n border: 1px solid var(--line);\r\n border-radius: 18px;\r\n padding: 16px 16px 15px;\r\n min-height: 102px;\r\n display: flex;\r\n flex-direction: column;\r\n justify-content: space-between;\r\n }\r\n\r\n .metric .label {\r\n color: var(--muted);\r\n font-size: 0.8rem;\r\n font-weight: 700;\r\n margin-bottom: 8px;\r\n display: block;\r\n }\r\n\r\n .metric .main {\r\n font-size: 1.34rem;\r\n font-weight: 800;\r\n line-height: 1.1;\r\n letter-spacing: -0.02em;\r\n }\r\n\r\n .metric .sub {\r\n color: var(--muted);\r\n font-size: 0.84rem;\r\n margin-top: 4px;\r\n }\r\n\r\n .cta-panel {\r\n background: linear-gradient(180deg, #f6f9ff 0%, #eef4ff 100%);\r\n border: 1px solid var(--line);\r\n border-radius: 20px;\r\n padding: 16px;\r\n display: flex;\r\n flex-direction: column;\r\n align-items: stretch;\r\n gap: 10px;\r\n }\r\n\r\n .cta-link {\r\n display: inline-flex;\r\n align-items: center;\r\n justify-content: center;\r\n gap: 8px;\r\n border: none;\r\n border-radius: 14px;\r\n padding: 14px 16px;\r\n background: linear-gradient(135deg, var(--primary) 0%, var(--primary-2) 100%);\r\n color: #fff;\r\n font-weight: 800;\r\n text-decoration: none;\r\n box-shadow: 0 14px 24px rgba(37, 99, 235, 0.22);\r\n transition: transform .2s ease, box-shadow .2s ease, filter .2s ease;\r\n }\r\n\r\n .cta-link:hover {\r\n transform: translateY(-1px);\r\n filter: brightness(1.02);\r\n box-shadow: 0 18px 30px rgba(37, 99, 235, 0.28);\r\n }\r\n\r\n .cta-sub {\r\n text-align: center;\r\n color: var(--muted);\r\n font-size: 0.75rem;\r\n line-height: 1.45;\r\n }\r\n\r\n .offer-bottom {\r\n display: flex;\r\n flex-wrap: wrap;\r\n justify-content: space-between;\r\n gap: 12px;\r\n border-top: 1px solid #edf2ff;\r\n margin-top: 18px;\r\n padding-top: 16px;\r\n align-items: center;\r\n }\r\n\r\n .meta-inline {\r\n display: flex;\r\n flex-wrap: wrap;\r\n gap: 18px;\r\n color: var(--muted);\r\n font-size: 0.86rem;\r\n }\r\n\r\n .meta-inline strong { color: var(--text); }\r\n\r\n .details-toggle {\r\n appearance: none;\r\n border: 1px solid var(--line);\r\n background: #fff;\r\n color: var(--primary-2);\r\n font-weight: 800;\r\n padding: 10px 14px;\r\n border-radius: 12px;\r\n cursor: pointer;\r\n transition: all .2s ease;\r\n }\r\n\r\n .details-toggle:hover {\r\n background: var(--primary-soft);\r\n border-color: #bdd2ff;\r\n }\r\n\r\n .details {\r\n display: none;\r\n padding: 0 22px 22px;\r\n }\r\n\r\n .details.is-open { display: block; }\r\n\r\n .details-card {\r\n border-top: 1px solid #edf2ff;\r\n padding-top: 18px;\r\n }\r\n\r\n .details-grid {\r\n display: grid;\r\n grid-template-columns: 1.15fr 1fr;\r\n gap: 16px;\r\n }\r\n\r\n .panel {\r\n background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);\r\n border: 1px solid var(--line);\r\n border-radius: 18px;\r\n padding: 16px;\r\n }\r\n\r\n .panel h4 {\r\n margin: 0 0 12px;\r\n font-size: 0.98rem;\r\n letter-spacing: -0.01em;\r\n }\r\n\r\n .feature-list, .detail-list {\r\n list-style: none;\r\n padding: 0;\r\n margin: 0;\r\n display: grid;\r\n gap: 10px;\r\n }\r\n\r\n .feature-list li,\r\n .detail-list li {\r\n display: flex;\r\n gap: 10px;\r\n align-items: flex-start;\r\n color: var(--text);\r\n font-size: 0.92rem;\r\n line-height: 1.55;\r\n }\r\n\r\n .feature-list li::before {\r\n content: \"\u2713\";\r\n color: var(--success);\r\n font-weight: 900;\r\n margin-top: 1px;\r\n }\r\n\r\n .detail-list li span:first-child {\r\n min-width: 170px;\r\n color: var(--muted);\r\n font-weight: 700;\r\n }\r\n\r\n .repr {\r\n margin-top: 14px;\r\n padding: 13px 14px;\r\n border-radius: 16px;\r\n background: #f7faff;\r\n border: 1px dashed #c8dafd;\r\n color: #334155;\r\n font-size: 0.84rem;\r\n line-height: 1.6;\r\n }\r\n\r\n .empty {\r\n background: rgba(255,255,255,0.92);\r\n border: 1px solid var(--line);\r\n border-radius: 18px;\r\n padding: 22px;\r\n color: var(--muted);\r\n text-align: center;\r\n box-shadow: var(--shadow-soft);\r\n }\r\n\r\n .footnote {\r\n margin-top: 18px;\r\n color: var(--muted);\r\n font-size: 0.8rem;\r\n line-height: 1.6;\r\n background: rgba(255,255,255,0.7);\r\n border: 1px solid var(--line);\r\n border-radius: 16px;\r\n padding: 14px 16px;\r\n }\r\n\r\n @media (max-width: 1060px) {\r\n .controls-grid,\r\n .offer-top,\r\n .details-grid,\r\n .summary-bar {\r\n grid-template-columns: 1fr;\r\n }\r\n\r\n .metrics {\r\n grid-template-columns: repeat(2, minmax(0,1fr));\r\n }\r\n }\r\n\r\n @media (max-width: 720px) {\r\n .loan-ranking { padding: 16px 12px 38px; }\r\n .hero, .controls, .offer-inner, .details { padding-left: 16px; padding-right: 16px; }\r\n .hero { border-radius: 24px; }\r\n .controls, .offer, .summary-card { border-radius: 20px; }\r\n .metrics { grid-template-columns: 1fr; }\r\n .brand { align-items: center; }\r\n .brand-logo { width: 68px; height: 68px; border-radius: 16px; }\r\n .detail-list li { flex-direction: column; gap: 4px; }\r\n .detail-list li span:first-child { min-width: 0; }\r\n .offer-bottom { align-items: stretch; }\r\n .details-toggle { width: 100%; }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <section class=\"loan-ranking\" id=\"loan-ranking\">\r\n <div class=\"hero\">\r\n \r\n <p>Por\u00f3wnaj miesi\u0119czn\u0105 rat\u0119, ca\u0142kowit\u0105 kwot\u0119 do sp\u0142aty, oprocentowanie, prowizj\u0119 i RRSO. Po wybraniu parametr\u00f3w zobaczysz oferty posortowane od najni\u017cszej raty lub najni\u017cszego kosztu ca\u0142kowitego.<\/p>\r\n <div class=\"toolbar\">\r\n <span class=\"chip\">Szacunkowa wysoko\u015b\u0107 raty<\/span>\r\n <span class=\"chip\">Sortowanie wynik\u00f3w<\/span>\r\n <span class=\"chip\">Rozwijane szczeg\u00f3\u0142y oferty<\/span>\r\n <span class=\"chip\">Przej\u015bcie na stron\u0119 banku<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"controls\">\r\n <div class=\"controls-grid\">\r\n <div class=\"field\">\r\n <div class=\"field-top\">\r\n <label for=\"loan-amount\">Kwota kredytu<\/label>\r\n <span class=\"value\" id=\"amountValue\">30 000 z\u0142<\/span>\r\n <\/div>\r\n <div class=\"range-wrap\">\r\n <input id=\"loan-amount\" type=\"range\" min=\"1000\" max=\"200000\" step=\"1000\" value=\"30000\" \/>\r\n <\/div>\r\n <span class=\"hint\">Zakres kalkulatora: 1 000\u2013200 000 z\u0142<\/span>\r\n <\/div>\r\n\r\n <div class=\"field\">\r\n <div class=\"field-top\">\r\n <label for=\"loan-term\">Okres sp\u0142aty<\/label>\r\n <span class=\"value\" id=\"termValue\">24 mies.<\/span>\r\n <\/div>\r\n <div class=\"range-wrap\">\r\n <input id=\"loan-term\" type=\"range\" min=\"3\" max=\"120\" step=\"1\" value=\"24\" \/>\r\n <\/div>\r\n <span class=\"hint\">Przesu\u0144 suwak, aby dopasowa\u0107 liczb\u0119 rat<\/span>\r\n <\/div>\r\n\r\n <div class=\"field sort-box\">\r\n <div>\r\n <label for=\"sortMode\">Sortowanie ofert<\/label>\r\n <select class=\"select\" id=\"sortMode\">\r\n <option value=\"installment\">Najni\u017csza rata<\/option>\r\n <option value=\"total\">Najni\u017csza kwota do sp\u0142aty<\/option>\r\n <option value=\"apr\">Najni\u017csze RRSO<\/option>\r\n <\/select>\r\n <\/div>\r\n <span class=\"hint\">Najta\u0144sza oferta jest automatycznie wyr\u00f3\u017cniana<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"summary-bar\" id=\"summaryBar\"><\/div>\r\n <div class=\"results\" id=\"results\"><\/div>\r\n\r\n <div class=\"footnote\">\r\n Kalkulator pokazuje warto\u015bci szacunkowe dla wskazanej kwoty i okresu na podstawie parametr\u00f3w oferty oraz danych z przyk\u0142ad\u00f3w reprezentatywnych. Ostateczne warunki kredytu zale\u017c\u0105 od oceny zdolno\u015bci kredytowej, polityki banku i ewentualnych warunk\u00f3w promocyjnych.\r\n <\/div>\r\n <\/section>\r\n\r\n <script>\r\n const offers = [\r\n {\r\n id: 'pekao',\r\n bank: 'Bank Pekao S.A.',\r\n product: 'Po\u017cyczka got\u00f3wkowa Bank Pekao S.A.',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/bankpekao.png',\r\n url: 'https:\/\/twojportfel.eu\/kredyt_gotowkowy_pekao',\r\n amountMin: 1000,\r\n amountMax: 250000,\r\n termMin: 12,\r\n termMax: 120,\r\n interestRate: 8.01,\r\n apr: 8.29,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online i w oddziale',\r\n audience: 'nowi klienci lub osoby maj\u0105ce wy\u0142\u0105cznie kredyt ratalny w Pekao',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'atrakcyjne oprocentowanie',\r\n 'brak prowizji',\r\n 'wysoka dost\u0119pna kwota',\r\n 'd\u0142ugi okres sp\u0142aty'\r\n ],\r\n notes: 'Mo\u017cliwo\u015b\u0107 zawarcia umowy online dotyczy kwot do 8 000 z\u0142.',\r\n representative: 'RRSO 8,29%; ca\u0142kowita kwota po\u017cyczki 6 848 z\u0142; okres 28 miesi\u0119cy; ca\u0142kowity koszt 682,63 z\u0142; ca\u0142kowita kwota do zap\u0142aty 7 530,63 z\u0142; 27 rat po 268,95 z\u0142 i ostatnia 268,98 z\u0142.',\r\n repAmount: 6848,\r\n repTerm: 28,\r\n repTotal: 7530.63,\r\n repInstallment: null,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'velobank',\r\n bank: 'VeloBank',\r\n product: 'VeloBank \u2013 Kredyt Got\u00f3wkowy',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/velobank.png',\r\n url: 'https:\/\/twojportfel.eu\/velobank_kredyt_gotowkowy',\r\n amountMin: 1000,\r\n amountMax: 200000,\r\n termMin: 3,\r\n termMax: 120,\r\n interestRate: 8.10,\r\n apr: 8.40,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'zgodnie z ocen\u0105 zdolno\u015bci kredytowej banku',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'pe\u0142ny proces online',\r\n 'brak prowizji',\r\n 'szybka decyzja kredytowa',\r\n 'd\u0142ugi okres sp\u0142aty'\r\n ],\r\n notes: 'Warunki promocyjne zale\u017c\u0105 od aktualnej oferty banku i oceny klienta.',\r\n representative: 'Na kalkulatorze oferty widoczne s\u0105 przyk\u0142adowe parametry: rata 452,73 z\u0142, kwota do sp\u0142aty 10 865,50 z\u0142, oprocentowanie 8,10%, prowizja 0%, RRSO 8,40% dla scenariusza 10 000 z\u0142 i 24 miesi\u0105ce.',\r\n repAmount: 10000,\r\n repTerm: 24,\r\n repTotal: 10865.50,\r\n repInstallment: 452.73,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'bnp',\r\n bank: 'BNP Paribas',\r\n product: 'BNP Paribas \u2013 Pierwsza Po\u017cyczka',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/bnpparibas.png',\r\n url: 'https:\/\/twojportfel.eu\/bnp_paribas_kredyt_gotowkowy',\r\n amountMin: 1000,\r\n amountMax: 100000,\r\n termMin: 6,\r\n termMax: 120,\r\n interestRate: 8.59,\r\n apr: 8.95,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'g\u0142\u00f3wnie nowi klienci',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'brak prowizji',\r\n 'd\u0142ugi okres kredytowania',\r\n 'obs\u0142uga online',\r\n 'prosta konstrukcja koszt\u00f3w'\r\n ],\r\n notes: 'Promocyjny wariant dla pierwszej po\u017cyczki, z warunkami zale\u017cnymi od polityki banku.',\r\n representative: 'RRSO 8,95%; ca\u0142kowita kwota kredytu 29 456 z\u0142; ca\u0142kowita kwota do zap\u0142aty 36 457,32 z\u0142; oprocentowanie sta\u0142e 8,59%; 61 rat, w tym 60 po 597,66 z\u0142 i ostatnia 597,72 z\u0142.',\r\n repAmount: 29456,\r\n repTerm: 61,\r\n repTotal: 36457.32,\r\n repInstallment: 597.66,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'raiffeisen',\r\n bank: 'Raiffeisen Digital Bank',\r\n product: 'Po\u017cyczka got\u00f3wkowa Raiffeisen Digital Bank',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/raiffeisen.png',\r\n url: 'https:\/\/twojportfel.eu\/raiffeisen_kredyt',\r\n amountMin: 1000,\r\n amountMax: 150000,\r\n termMin: 12,\r\n termMax: 120,\r\n interestRate: 7.99,\r\n apr: 8.29,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: '100% online',\r\n audience: 'klienci akceptowani przez bank w procesie cyfrowym',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'bank w pe\u0142ni cyfrowy',\r\n 'brak prowizji',\r\n 'bez wizyty w oddziale',\r\n 'd\u0142ugi okres sp\u0142aty'\r\n ],\r\n notes: 'Brak plac\u00f3wek stacjonarnych; ca\u0142y proces odbywa si\u0119 zdalnie.',\r\n representative: 'RRSO 8,29%; ca\u0142kowita kwota po\u017cyczki 67 432 z\u0142; ca\u0142kowita kwota do zap\u0142aty 91 985,91 z\u0142; oprocentowanie sta\u0142e 7,99%; 97 rat po 940,00 z\u0142 i ostatnia 805,91 z\u0142.',\r\n repAmount: 67432,\r\n repTerm: 98,\r\n repTotal: 91985.91,\r\n repInstallment: 940.00,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'millennium',\r\n bank: 'Bank Millennium',\r\n product: 'Po\u017cyczka got\u00f3wkowa online Bank Millennium',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/millennium.gif',\r\n url: 'https:\/\/twojportfel.eu\/millennium_kredyt_gotowkowy',\r\n amountMin: 1000,\r\n amountMax: 200000,\r\n termMin: 6,\r\n termMax: 70,\r\n interestRate: 7.99,\r\n apr: 8.30,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: true,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'nowi klienci lub osoby maj\u0105ce tylko kredyt ratalny w Millennium',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'atrakcyjne oprocentowanie',\r\n 'brak prowizji',\r\n 'obs\u0142uga online',\r\n 'czytelny koszt ca\u0142kowity'\r\n ],\r\n notes: 'Promocyjna oferta wymaga spe\u0142nienia dodatkowych warunk\u00f3w banku.',\r\n representative: 'RRSO 8,30%; ca\u0142kowita kwota kredytu 14 896,49 z\u0142; ca\u0142kowita kwota do zap\u0142aty 17 503,04 z\u0142; oprocentowanie sta\u0142e 7,99%; 50 r\u00f3wnych rat po 351,25 z\u0142.',\r\n repAmount: 14896.49,\r\n repTerm: 50,\r\n repTotal: 17503.04,\r\n repInstallment: 351.25,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'pko',\r\n bank: 'PKO Bank Polski',\r\n product: 'PKO Bank Polski \u2013 Po\u017cyczka Got\u00f3wkowa',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/pko.png',\r\n url: 'https:\/\/twojportfel.eu\/pkobp_kredyt_gotowkowy',\r\n amountMin: 1000,\r\n amountMax: 300000,\r\n termMin: 13,\r\n termMax: 60,\r\n interestRate: 13.95,\r\n apr: 14.88,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online i w oddziale',\r\n audience: 'zgodnie z decyzj\u0105 kredytow\u0105 banku',\r\n badges: ['note'],\r\n bullets: [\r\n 'bardzo wysoka maksymalna kwota',\r\n 'silna rozpoznawalno\u015b\u0107 marki',\r\n 'mo\u017cliwo\u015b\u0107 z\u0142o\u017cenia wniosku r\u00f3\u017cnymi kana\u0142ami',\r\n '0% prowizji w pokazanym wariancie'\r\n ],\r\n notes: 'W tej wersji bazujemy na parametrach z przekazanego \u017ar\u00f3d\u0142a Bankier dla 40 000 z\u0142 na 60 miesi\u0119cy.',\r\n representative: 'W przekazanym \u017ar\u00f3dle: kwota 40 000 z\u0142, okres 60 mies., rata 929,69 z\u0142, RRSO 14,88%, oprocentowanie 13,95%, prowizja 0%, do sp\u0142aty 55 781,61 z\u0142.',\r\n repAmount: 40000,\r\n repTerm: 60,\r\n repTotal: 55781.61,\r\n repInstallment: 929.69,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'alior',\r\n bank: 'Alior Bank',\r\n product: 'Alior Bank \u2013 Po\u017cyczka Internetowa',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/aliorbank.gif',\r\n url: 'https:\/\/twojportfel.eu\/aliorbank_kredyt_gotowkowy',\r\n amountMin: 1000,\r\n amountMax: 200000,\r\n termMin: 3,\r\n termMax: 120,\r\n interestRate: 8.79,\r\n apr: 9.15,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'klienci spe\u0142niaj\u0105cy warunki promocji',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'po\u017cyczka internetowa',\r\n 'brak prowizji',\r\n 'szybki proces wnioskowania',\r\n 'wysoka maksymalna kwota'\r\n ],\r\n notes: 'Promocyjne warunki mog\u0105 by\u0107 czasowe.',\r\n representative: 'Na kalkulatorze oferty: rata 455,88 z\u0142, kwota do sp\u0142aty 10 941,23 z\u0142, oprocentowanie 8,79%, prowizja 0%, RRSO 9,15% dla 10 000 z\u0142 i 24 miesi\u0119cy.',\r\n repAmount: 10000,\r\n repTerm: 24,\r\n repTotal: 10941.23,\r\n repInstallment: 455.88,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'santander-consumer',\r\n bank: 'Santander Consumer Bank',\r\n product: 'Kredyt got\u00f3wkowy online Santander Consumer Bank',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/santanderbank.png',\r\n url: 'https:\/\/twojportfel.eu\/scb_kredyt_online',\r\n amountMin: 10000,\r\n amountMax: 150000,\r\n termMin: 10,\r\n termMax: 60,\r\n interestRate: 8.23,\r\n apr: 8.55,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'zgodnie z ocen\u0105 zdolno\u015bci kredytowej banku',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'pe\u0142ny proces online',\r\n '0% prowizji w pokazanej kalkulacji',\r\n 'czytelny koszt ca\u0142kowity',\r\n 'stabilne oprocentowanie w scenariuszu \u017ar\u00f3d\u0142owym'\r\n ],\r\n notes: '\u0179r\u00f3d\u0142o pokazuje kalkulacj\u0119 dla kwoty 20 000 z\u0142.',\r\n representative: 'Wyliczenia na podstawie przyk\u0142adu reprezentatywnego: ca\u0142kowita kwota kredytu 20 000 z\u0142, sta\u0142a stopa 8,23%, ca\u0142kowity koszt 4 464,01 z\u0142, RRSO 8,55%, 24 raty po 1 586,63 z\u0142?',\r\n repAmount: 20000,\r\n repTerm: 24,\r\n repTotal: 38079.10,\r\n repInstallment: 1586.63,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n },\r\n {\r\n id: 'citi',\r\n bank: 'Citi Handlowy',\r\n product: 'Po\u017cyczka got\u00f3wkowa online Citi Handlowy',\r\n logo: 'https:\/\/twojportfel.eu\/wp-content\/uploads\/2026\/03\/citi.png',\r\n url: 'https:\/\/twojportfel.eu\/citihandlowy_pozyczka_gotowkowa',\r\n amountMin: 1000,\r\n amountMax: 150000,\r\n termMin: 9,\r\n termMax: 120,\r\n interestRate: 9.49,\r\n apr: 9.90,\r\n feePercent: 0,\r\n feeFixed: 0,\r\n monthlyInsurance: 0,\r\n requiresAccount: false,\r\n requiresInsurance: false,\r\n channel: 'online',\r\n audience: 'zgodnie z ocen\u0105 zdolno\u015bci i warunkami banku',\r\n badges: ['online', 'zero'],\r\n bullets: [\r\n 'wniosek online',\r\n 'brak prowizji',\r\n 'atrakcyjne RRSO w scenariuszu \u017ar\u00f3d\u0142owym',\r\n 'czytelny koszt ca\u0142kowity'\r\n ],\r\n notes: 'Warunki zale\u017c\u0105 od profilu klienta i aktualnej oferty.',\r\n representative: 'RRSO 9,90%; ca\u0142kowita kwota po\u017cyczki 23 000 z\u0142; ca\u0142kowita kwota do zap\u0142aty 28 556,27 z\u0142; oprocentowanie zmienne 9,49%; ca\u0142kowity koszt 5 556,27 z\u0142.',\r\n repAmount: 23000,\r\n repTerm: 60,\r\n repTotal: 28556.27,\r\n repInstallment: null,\r\n ctaLabel: 'Z\u0142\u00f3\u017c wniosek',\r\n ctaNote: 'Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.'\r\n }\r\n ];\r\n\r\n const amountInput = document.getElementById('loan-amount');\r\n const termInput = document.getElementById('loan-term');\r\n const sortInput = document.getElementById('sortMode');\r\n const amountValue = document.getElementById('amountValue');\r\n const termValue = document.getElementById('termValue');\r\n const results = document.getElementById('results');\r\n const summaryBar = document.getElementById('summaryBar');\r\n\r\n function formatCurrency(value) {\r\n return new Intl.NumberFormat('pl-PL', {\r\n style: 'currency',\r\n currency: 'PLN',\r\n maximumFractionDigits: 2\r\n }).format(value);\r\n }\r\n\r\n function formatPercent(value) {\r\n return new Intl.NumberFormat('pl-PL', { minimumFractionDigits: 2, maximumFractionDigits: 2 }).format(value) + '%';\r\n }\r\n\r\n function annuity(principal, annualRate, months) {\r\n if (!months || principal <= 0) return 0;\r\n const monthlyRate = annualRate \/ 100 \/ 12;\r\n if (monthlyRate === 0) return principal \/ months;\r\n return principal * monthlyRate \/ (1 - Math.pow(1 + monthlyRate, -months));\r\n }\r\n\r\n function calibrationFactor(offer) {\r\n if (!offer.repAmount || !offer.repTerm || !offer.repTotal) return 1;\r\n const modeled = calculateOffer(offer, offer.repAmount, offer.repTerm, true);\r\n if (!modeled.total) return 1;\r\n const factor = offer.repTotal \/ modeled.total;\r\n if (!Number.isFinite(factor) || factor <= 0) return 1;\r\n return Math.max(0.92, Math.min(1.08, factor));\r\n }\r\n\r\n function calculateOffer(offer, amount, term, raw = false) {\r\n const principal = amount;\r\n const fee = principal * (offer.feePercent || 0) \/ 100 + (offer.feeFixed || 0);\r\n const financedPrincipal = principal + fee;\r\n const installmentBase = annuity(financedPrincipal, offer.interestRate, term);\r\n const monthlyInsurance = offer.monthlyInsurance || 0;\r\n const installment = installmentBase + monthlyInsurance;\r\n const total = installment * term;\r\n const rawResult = { installment, total, principal, financedPrincipal, fee, insuranceTotal: monthlyInsurance * term };\r\n if (raw) return rawResult;\r\n\r\n const factor = calibrationFactor(offer);\r\n return {\r\n installment: rawResult.installment * factor,\r\n total: rawResult.total * factor,\r\n principal,\r\n financedPrincipal,\r\n fee,\r\n insuranceTotal: rawResult.insuranceTotal,\r\n factor\r\n };\r\n }\r\n\r\n function offerFits(offer, amount, term) {\r\n return amount >= offer.amountMin && amount <= offer.amountMax && term >= offer.termMin && term <= offer.termMax;\r\n }\r\n\r\n function buildBadgeMarkup(offer, featured) {\r\n const items = [];\r\n if (featured) items.push('<span class=\"badge best\">Najni\u017csza rata<\/span>');\r\n return `<div class=\"badge-row\">${items.join('')}<\/div>`;\r\n }\r\n\r\n function getOfferModeLabel(offer) {\r\n return offer.channel || 'online';\r\n }\r\n\r\n function renderSummary(list) {\r\n if (!list.length) {\r\n summaryBar.innerHTML = '';\r\n return;\r\n }\r\n const best = list[0];\r\n const cheapestTotal = [...list].sort((a, b) => a.calculation.total - b.calculation.total)[0];\r\n const lowestApr = [...list].sort((a, b) => a.apr - b.apr)[0];\r\n summaryBar.innerHTML = `\r\n <div class=\"summary-card\">\r\n <span class=\"label\">Najni\u017csza rata<\/span>\r\n <strong>${formatCurrency(best.calculation.installment)}<\/strong>\r\n <\/div>\r\n <div class=\"summary-card\">\r\n <span class=\"label\">Najni\u017csza kwota do sp\u0142aty<\/span>\r\n <strong>${formatCurrency(cheapestTotal.calculation.total)}<\/strong>\r\n <\/div>\r\n <div class=\"summary-card\">\r\n <span class=\"label\">Najni\u017csze RRSO<\/span>\r\n <strong>${formatPercent(lowestApr.apr)}<\/strong>\r\n <\/div>\r\n <div class=\"summary-card\">\r\n <span class=\"label\">Liczba dopasowanych ofert<\/span>\r\n <strong>${list.length}<\/strong>\r\n <\/div>\r\n `;\r\n }\r\n\r\n function render() {\r\n const amount = Number(amountInput.value);\r\n const term = Number(termInput.value);\r\n const sortMode = sortInput.value;\r\n amountValue.textContent = formatCurrency(amount).replace(',00', '');\r\n termValue.textContent = `${term} mies.`;\r\n\r\n let list = offers\r\n .filter(offer => offerFits(offer, amount, term))\r\n .map(offer => ({ ...offer, calculation: calculateOffer(offer, amount, term) }));\r\n\r\n if (sortMode === 'installment') {\r\n list.sort((a, b) => a.calculation.installment - b.calculation.installment);\r\n } else if (sortMode === 'total') {\r\n list.sort((a, b) => a.calculation.total - b.calculation.total);\r\n } else if (sortMode === 'apr') {\r\n list.sort((a, b) => a.apr - b.apr);\r\n }\r\n\r\n renderSummary(list);\r\n\r\n if (!list.length) {\r\n results.innerHTML = '<div class=\"empty\">Brak ofert spe\u0142niaj\u0105cych wybran\u0105 kwot\u0119 i okres sp\u0142aty. Zmie\u0144 parametry kalkulatora, aby zobaczy\u0107 wi\u0119cej wynik\u00f3w.<\/div>';\r\n return;\r\n }\r\n\r\n results.innerHTML = list.map((offer, index) => {\r\n const featured = index === 0;\r\n const id = `details-${offer.id}`;\r\n return `\r\n <article class=\"offer ${featured ? 'featured' : ''}\">\r\n <div class=\"offer-inner\">\r\n ${buildBadgeMarkup(offer, featured)}\r\n <div class=\"offer-title-bar\">${offer.product} <span class=\"mode\">\u2014 ${getOfferModeLabel(offer)}<\/span><\/div>\r\n\r\n <div class=\"offer-top\">\r\n <div class=\"brand\">\r\n <div class=\"brand-logo\">\r\n <img decoding=\"async\" src=\"${offer.logo}\" alt=\"${offer.bank}\" loading=\"lazy\" \/>\r\n <\/div>\r\n <div>\r\n <h3>${offer.bank}<\/h3>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"metrics\">\r\n <div class=\"metric\">\r\n <span class=\"label\">Szacunkowa rata<\/span>\r\n <span class=\"main\" style=\"color: var(--primary-2);\">${formatCurrency(offer.calculation.installment)}<\/span>\r\n <span class=\"sub\">dla ${formatCurrency(amount).replace(',00', '')} \/ ${term} mies.<\/span>\r\n <\/div>\r\n <div class=\"metric\">\r\n <span class=\"label\">Kwota do sp\u0142aty<\/span>\r\n <span class=\"main\">${formatCurrency(offer.calculation.total)}<\/span>\r\n <span class=\"sub\">ca\u0142kowity koszt modelowy<\/span>\r\n <\/div>\r\n <div class=\"metric\">\r\n <span class=\"label\">Koszty oferty<\/span>\r\n <span class=\"main\">RRSO ${formatPercent(offer.apr)}<\/span>\r\n <span class=\"sub\">oprocentowanie ${formatPercent(offer.interestRate)}<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"cta-panel\">\r\n <a class=\"cta-link\" href=\"${offer.url}\" target=\"_blank\" rel=\"noopener sponsored\">Z\u0142\u00f3\u017c wniosek <span aria-hidden=\"true\">\u2192<\/span><\/a>\r\n <div class=\"cta-sub\">\ud83d\udd12 Po klikni\u0119ciu otworzy si\u0119 bezpieczna strona banku.<\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"offer-bottom\">\r\n <div class=\"meta-inline\">\r\n <span><strong>Prowizja:<\/strong> ${formatPercent(offer.feePercent || 0)}<\/span>\r\n <span><strong>Kwota:<\/strong> ${formatCurrency(offer.amountMin).replace(',00', '')} \u2013 ${formatCurrency(offer.amountMax).replace(',00', '')}<\/span>\r\n <span><strong>Okres:<\/strong> ${offer.termMin} \u2013 ${offer.termMax} mies.<\/span>\r\n <\/div>\r\n <button class=\"details-toggle\" data-target=\"${id}\" aria-expanded=\"false\">Poka\u017c szczeg\u00f3\u0142y oferty<\/button>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"details\" id=\"${id}\">\r\n <div class=\"details-card\">\r\n <div class=\"details-grid\">\r\n <div class=\"panel\">\r\n <h4>Najwa\u017cniejsze warunki i atuty<\/h4>\r\n <ul class=\"feature-list\">\r\n ${offer.bullets.map(item => `<li>${item}<\/li>`).join('')}\r\n <\/ul>\r\n <div class=\"repr\">\r\n <strong>Przyk\u0142ad reprezentatywny \/ uwagi:<\/strong><br \/>\r\n ${offer.representative}<br \/><br \/>\r\n ${offer.notes}\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"panel\">\r\n <h4>Szczeg\u00f3\u0142y oferty<\/h4>\r\n <ul class=\"detail-list\">\r\n <li><span>Dost\u0119pno\u015b\u0107<\/span><span>${offer.channel}<\/span><\/li>\r\n <li><span>Dla kogo<\/span><span>${offer.audience}<\/span><\/li>\r\n <li><span>Wymagane konto<\/span><span>${offer.requiresAccount ? 'tak \/ zale\u017cnie od wariantu' : 'nie \/ niewymagane w pokazanym wariancie'}<\/span><\/li>\r\n <li><span>Ubezpieczenie<\/span><span>${offer.requiresInsurance ? 'wymagane lub opcjonalne zale\u017cnie od wariantu' : 'niewymagane w pokazanym wariancie'}<\/span><\/li>\r\n <li><span>Prowizja<\/span><span>${formatPercent(offer.feePercent || 0)}${offer.feeFixed ? ` + ${formatCurrency(offer.feeFixed)}` : ''}<\/span><\/li>\r\n <li><span>Oprocentowanie<\/span><span>${formatPercent(offer.interestRate)}<\/span><\/li>\r\n <li><span>RRSO<\/span><span>${formatPercent(offer.apr)}<\/span><\/li>\r\n <li><span>Zakres kwoty<\/span><span>${formatCurrency(offer.amountMin).replace(',00', '')} \u2013 ${formatCurrency(offer.amountMax).replace(',00', '')}<\/span><\/li>\r\n <li><span>Zakres okresu<\/span><span>${offer.termMin} \u2013 ${offer.termMax} miesi\u0119cy<\/span><\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/article>\r\n `;\r\n }).join('');\r\n\r\n results.querySelectorAll('.details-toggle').forEach(button => {\r\n button.addEventListener('click', () => {\r\n const target = document.getElementById(button.dataset.target);\r\n const open = target.classList.toggle('is-open');\r\n button.textContent = open ? 'Ukryj szczeg\u00f3\u0142y oferty' : 'Poka\u017c szczeg\u00f3\u0142y oferty';\r\n button.setAttribute('aria-expanded', String(open));\r\n });\r\n });\r\n }\r\n\r\n amountInput.addEventListener('input', render);\r\n termInput.addEventListener('input', render);\r\n sortInput.addEventListener('change', render);\r\n\r\n render();\r\n <\/script>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ed0aa elementor-widget elementor-widget-spacer\" data-id=\"47ed0aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-208a52a1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"208a52a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{"background_background":"gradient","shape_divider_bottom":"tilt","shape_divider_top":"mountains"}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27ab1e4d\" data-id=\"27ab1e4d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bcfed7f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3bcfed7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"_animation":"fadeInUp"}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kalkulator kredyt\u00f3w, o kt\u00f3re mo\u017cesz wnioskowa\u0107 on-line<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bb7704 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bb7704\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af17121\" data-id=\"af17121\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af6abc9 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"af6abc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"drop_cap":"yes"}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kredyt got\u00f3wkowy to spos\u00f3b na szybkie pozyskanie got\u00f3wki. Jego g\u0142\u00f3wn\u0105 zalet\u0119 stanowi fakt, \u017ce \u015brodki mo\u017cesz przeznaczy\u0107 na dowolny cel. Niezale\u017cnie czy chcesz sfinansowa\u0107 remont, czy zakup nowego sprz\u0119tu RTV, masz w tym aspekcie pe\u0142n\u0105 dowolno\u015b\u0107. Ogranicza Ci\u0119 jedyna mo\u017cliwa do uzyskania suma, kt\u00f3ra zale\u017cy g\u0142\u00f3wnie od Twojej zdolno\u015bci kredytowej. Czy ka\u017cdy mo\u017ce z\u0142o\u017cy\u0107 wniosek o przyznanie kredytu got\u00f3wkowego? Kiedy bank odm\u00f3wi jego udzielenia?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b4a833 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b4a833\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ef37d7\" data-id=\"6ef37d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d574da7 elementor-widget elementor-widget-text-editor\" data-id=\"d574da7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twojportfel.eu\/kredyty\"><strong>Kredyt got\u00f3wkowy<\/strong><\/a> jest przeznaczony dla os\u00f3b fizycznych, kt\u00f3re posiadaj\u0105 pe\u0142n\u0105 zdolno\u015b\u0107 do czynno\u015bci prawnych oraz s\u0105 zatrudnione w formie, akceptowalnej przez bank, w kt\u00f3rym wnioskuj\u0105 o kredyt. Co to dla Ciebie oznacza? Pe\u0142n\u0105 zdolno\u015b\u0107 czynno\u015bci prawnych posiadaj\u0105 w Polsce osoby pe\u0142noletnie. Podstawowy wym\u00f3g to zatem uko\u0144czenie 18 roku \u00a0\u017cycia. Sam wiek to oczywi\u015bcie nie wszystko. Musisz jeszcze wykaza\u0107 zdolno\u015b\u0107 do sp\u0142acania rat kredytu. Aby to zrobi\u0107 trzeba wykaza\u0107, \u017ce osi\u0105gasz sta\u0142y doch\u00f3d.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-86c0ad2\" data-id=\"86c0ad2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-111d8e8 elementor-widget elementor-widget-image\" data-id=\"111d8e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"767\" height=\"419\" src=\"https:\/\/twojportfel.eu\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" data-src=\"https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-767x419.jpg\" class=\"lazyload attachment-medium_large size-medium_large wp-image-2149\" alt=\"\" srcset=\"https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-767x419.jpg 767w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-599x327.jpg 599w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-300x164.jpg 300w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-1024x559.jpg 1024w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-1536x839.jpg 1536w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-2048x1118.jpg 2048w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1-788x430.jpg 788w, https:\/\/twojportfel.eu\/wp-content\/uploads\/2021\/01\/images-1.jpg 304w\" sizes=\"(max-width: 767px) 100vw, 767px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7019408 elementor-widget elementor-widget-menu-anchor\" data-id=\"7019408\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"heading2\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7f023 elementor-widget elementor-widget-text-editor\" data-id=\"4a7f023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Jakie dokumenty potrzebujesz ?<\/h2><p>Kredyt got\u00f3wkowy wyr\u00f3\u017cnia si\u0119 tym, \u017ce klient nie musi obawia\u0107 si\u0119 wielu formalno\u015bci. Dzi\u0119ki temu jedynymi dokumentami, wymaganymi podczas procesu zwi\u0105zanego z ubieganiem si\u0119 o zad\u0142u\u017cenie, konieczne jest dostarczenie do banku wype\u0142nionego wniosku, wyci\u0105gu z konta bankowego lub za\u015bwiadczenia od pracodawcy o zatrudnieniu i zarobkach, a tak\u017ce dowodu osobistego.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4557dc5c elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"4557dc5c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66438768\" data-id=\"66438768\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{"background_background":"classic"}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-440326b7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"440326b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"_animation":"zoomIn"}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ile<br>kredytu<br>mo\u017cesz<br>otrzyma\u0107<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-61a34142\" data-id=\"61a34142\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7289420 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7289420\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"_animation":"fadeInUp"}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Warto pami\u0119ta\u0107, \u017ce maksymalna kwota kredytu, zale\u017cy bezpo\u015brednio od zdolno\u015bci kredytowej klienta banku. Zarabiaj\u0105c najni\u017csz\u0105 krajow\u0105, mo\u017cesz liczy\u0107 na kredyt got\u00f3wkowy w kwocie od 22 tysi\u0119cy z\u0142otych do 47 tysi\u0119cy z\u0142otych. Pami\u0119taj, \u017ce na ocen\u0119 twojej zdolno\u015bci kredytowej wp\u0142yw b\u0119dzie mia\u0142o tak\u017ce to, jaki masz sta\u017c pracy, na podstawie jakiej umowy jeste\u015b zatrudniony, ile os\u00f3b jest na utrzymaniu w gospodarstwie domowym, a tak\u017ce ile wynosz\u0105 twoje miesi\u0119czne wydatki.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a95c22c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a95c22c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2462cbb\" data-id=\"2462cbb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aff1684 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"aff1684\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"drop_cap":"yes"}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Wysoko\u015b\u0107 dochod\u00f3w kredytobiorcy nie jest jedynym czynnikiem, kt\u00f3ry ma wp\u0142yw na wysoko\u015b\u0107 zdolno\u015bci kredytowej. Warto jednak mie\u0107 na uwadze, \u017ce nawet najni\u017csze wynagrodzenie pozwoli na uzyskanie zgody kredytowej. Trzeba jednak pami\u0119ta\u0107, \u017ce bank b\u0119dzie tak\u017ce bra\u0107 pod uwag\u0119 twoj\u0105 histori\u0119 kredytow\u0105, negatywne wpisy w bazach, to, czy posiadasz sta\u0142a zatrudnienie, a tak\u017ce wysoko\u015b\u0107 twoich sta\u0142ych comiesi\u0119cznych koszt\u00f3w, zwi\u0105zanych np. z rachunkami, czynszem, \u017cywno\u015bci\u0105, a nawet transportem i rozrywk\u0105.<\/p><h2>Gdzie o kredyt b\u0119dzie naj\u0142atwiej ?<\/h2><p>Je\u015bli liczysz na szybk\u0105 weryfikacj\u0119 wniosku, a tak\u017ce minimum formalno\u015bci, mo\u017cesz zainteresowa\u0107 si\u0119 kredytem got\u00f3wkowym w banku, w kt\u00f3rym prowadzisz swoje konto bankowe. To pozwoli na b\u0142yskawiczn\u0105 weryfikacj\u0119 nie tylko twojej to\u017csamo\u015bci, ale tak\u017ce zdolnolno\u015bci kredytowej, dzi\u0119ki czemu uzyskanie dodatkowej got\u00f3wki b\u0119dzie bardzo proste.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bab2c8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bab2c8f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bb31f0\" data-id=\"7bb31f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e116664 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"e116664\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"_animation":"fadeIn"}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"lazyload\" src=\"https:\/\/twojportfel.eu\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" data-src=\"http:\/\/recart.wpsoul.com\/wp-content\/uploads\/2019\/06\/photosplash.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d807b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d807b1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5f79d4\" data-id=\"b5f79d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69f77d7 elementor-widget elementor-widget-text-editor\" data-id=\"69f77d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Czy ubezpieczenie kredytu jest obowi\u0105zkowe ?<\/h2><div>Klient ubiegaj\u0105cy si\u0119 o kredyt got\u00f3wkowy na dowolny cel mo\u017ce ubezpieczy\u0107 swoje zad\u0142u\u017cenie, je\u015bli wyrazi tak\u0105 ch\u0119\u0107. Ubezpieczenie kredytu nie jest obowi\u0105zkowe, cho\u0107 mo\u017ce wi\u0105za\u0107 si\u0119 z atrakcyjnymi warunkami, np. obni\u017ceniem prowizji pobieranej przez bank, czy korzystniejszym oprocentowaniem nominalnym, co b\u0119dzie mia\u0142o wp\u0142yw na ni\u017csze RRSO oferty i atrakcyjniejsze raty kredytu. <span style=\"font-family: Poppins, sans-serif; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\"><br \/><\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fef6421 elementor-widget elementor-widget-text-editor\" data-id=\"fef6421\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Czy otrzymasz kredyt pracuj\u0105c za granic\u0105 ?<\/h2><div>Tak, bank b\u0119dzie w stanie udzieli\u0107 ci kredytu got\u00f3wkowego, nawet je\u015bli mieszkasz za granic\u0105. Warto jednak pami\u0119ta\u0107, \u017ce warunki otrzymania po\u017cyczki got\u00f3wkowej b\u0119d\u0105 inne, ni\u017c w przypadku os\u00f3b mieszkaj\u0105cych i zarabiaj\u0105cych w kraju. Bank b\u0119dzie chcia\u0142 dok\u0142adnych informacji o twoim zatrudnieniu, zarobkach, a tak\u017ce sta\u017cu pracy. Dla banku wa\u017cne b\u0119dzie tak\u017ce to, w jakiej walucie zarabiasz i jak prezentuje si\u0119 twoja historia kredytowa. Trzeba pami\u0119ta\u0107, \u017ce kredytobiorca mieszkaj\u0105cy za granic\u0105, kt\u00f3ry zaniecha sp\u0142aty zad\u0142u\u017cenia, jest du\u017co wi\u0119kszym ryzykiem dla banku ze wzgl\u0119du na ograniczone mo\u017cliwo\u015bci dochodzenia roszcze\u0144.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc49f7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc49f7d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ab9418\" data-id=\"5ab9418\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b97a094 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b97a094\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-356a092\" data-id=\"356a092\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80cf246 elementor-widget elementor-widget-text-editor\" data-id=\"80cf246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bank jest w stanie wyda\u0107 decyzj\u0119 kredytow\u0105 nawet w ci\u0105gu kilkunastu minut od otrzymania wniosku o kredyt. Czas potrzebny na analiz\u0119 wniosku i weryfikacj\u0119 klienta b\u0119dzie zale\u017ca\u0142 m.in. od tego, czy kredytobiorca stara si\u0119 o kredyt o niewielkiej kwocie, czy liczy na zad\u0142u\u017cenie, kt\u00f3re b\u0119dzie stanowi\u0142o dla banku wi\u0119ksze ryzyko kredytowe. Maksymalny czas oczekiwania na decyzj\u0119 kredytow\u0105 w przypadku kredytu got\u00f3wkowego to 2 dni robocze.<\/p><p>Pieni\u0105dze trafi\u0105 na twoje konto osobiste nawet tego samego dnia, w kt\u00f3rym podpiszesz umow\u0119 kredytow\u0105. Je\u015bli ubiegasz si\u0119 o kredyt got\u00f3wkowy online, b\u0119dzie to mo\u017cliwe nawet w ci\u0105gu kilku godzin od z\u0142o\u017cenia wniosku o kredyt. Je\u015bli otrzymasz pozytywn\u0105 decyzj\u0119 kredytow\u0105, mo\u017cesz zdecydowa\u0107, czy umowa kredytowa zostanie zawarta online, czy bezpo\u015brednio w plac\u00f3wce banku. B\u0119dzie to mia\u0142o wp\u0142yw na to, jak d\u0142ugo czeka\u0107 b\u0119dziesz na wyp\u0142at\u0119 pieni\u0119dzy na twoje konto.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-671865e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"671865e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ff67ff\" data-id=\"5ff67ff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kredyty got\u00f3wkowe 2026 r. Oblicz rat\u0119 kalkulatorem I wnioskuj przez internet Premium kalkulator kredyt\u00f3w got\u00f3wkowych Por\u00f3wnaj miesi\u0119czn\u0105 rat\u0119, ca\u0142kowit\u0105 kwot\u0119 do sp\u0142aty, oprocentowanie, prowizj\u0119 i RRSO. Po wybraniu parametr\u00f3w zobaczysz oferty posortowane od najni\u017cszej raty lub najni\u017cszego kosztu ca\u0142kowitego. Szacunkowa wysoko\u015b\u0107 raty Sortowanie wynik\u00f3w Rozwijane szczeg\u00f3\u0142y oferty Przej\u015bcie na stron\u0119 banku Kwota kredytu 30 000 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1529","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Kredyty got\u00f3wkowe 2026 r. Oblicz rat\u0119 kalkulatorem I wnioskuj przez internet Premium kalkulator kredyt\u00f3w got\u00f3wkowych Por\u00f3wnaj miesi\u0119czn\u0105 rat\u0119, ca\u0142kowit\u0105 kwot\u0119 do sp\u0142aty, oprocentowanie, prowizj\u0119 i RRSO. Po wybraniu parametr\u00f3w zobaczysz oferty posortowane od najni\u017cszej raty lub najni\u017cszego kosztu ca\u0142kowitego. 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