{"id":4383,"date":"2024-09-06T12:09:52","date_gmt":"2024-09-06T12:09:52","guid":{"rendered":"https:\/\/www.motty.no\/lan"},"modified":"2025-09-30T14:04:04","modified_gmt":"2025-09-30T14:04:04","slug":"kredyt","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/pl\/kredyt","title":{"rendered":"Kredyty"},"content":{"rendered":"\n<div\n    class=\"grid md:grid-cols-2 gap-8 mx-auto container md:px-6 xl:px-28 py-6 items-center\">\n    <div class=\"space-y-10\">\n        <div class=\"space-y-8 md:px-0 px-4\">\n            <h1 class=\"text-[32px] leading-[1.2] md:text-[60px] md:leading-[1.1] md:text-left text-center md:tracking-[-1.2px] font-recklessmedium\">Wnioskuj o kredyt<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Czasami potrzebujemy szybko pozyska\u0107 dodatkowe \u015brodki.\r\n\r\nKredyty konsumenckie s\u0105 dobrym rozwi\u0105zaniem, gdy pojawiaj\u0105 si\u0119 du\u017ce lub niespodziewane wydatki.\r\n\r\nWnioskuj o kredyt z lub bez zabezpieczenia.            <\/p>\n        <\/div>\n                    <ul class=\"space-y-4 hidden md:block\">\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Prosty wniosek i szybka odpowied\u017a banku                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Indywidualne podej\u015bcie do klienta                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Dodatkowe \u015brodki na dowolny cel                    <\/li>\n                            <\/ul>\n                <div class=\"trustpilot-widget w-fit md:block hidden\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n            <script src=\"https:\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\"><\/script>\n        <\/div>\n    <\/div>\n    <div>\n\n    <div data-config='{\"locale\":\"pl\"}' data-id=\"application-form-container\" data-current-form=\"0\" class=\"relative bg-fjellvann-medium-beige p-6 md:p-14 md:rounded-lg z-50\">\n                    <ul class=\"flex gap-2 justify-center mb-8\">\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"true\" data-id=\"consumerLoan\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Kredyt konsumencki                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"mortgage\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Kredyt hipoteczny                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"creditCard\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Karta kredytowa                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"pl\",\"product\":\"consumerLoan\",\"allowPsd2\":true}' id=\"application-form-0\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"pl\",\"product\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\",\"allowPsd2\":true}' id=\"application-form-1\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"pl\",\"product\":\"creditCard\",\"allowPsd2\":true}' id=\"application-form-2\" data-id=\"application-form\"><\/div>\n                            <div class=\"trustpilot-widget mt-8 md:hidden block\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div id=\"tic-69f25dcde76cb\" class=\"text_image_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 lg:py-[120px] xl:px-28\">\n        <h2 class=\"text-center text-[32px] mb-10 md:mb-20 md:text-[40px]\">Jak bezp\u0142atnie ubiega\u0107 si\u0119 o kredyt online:<\/h2>\n                <div class=\"flex flex-col gap-10 flex-wrap md:gap-[35px] sm:flex-row\">\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/forst.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">1<\/h3><p>Wype\u0142nij i wy\u015blij wniosek<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/sa.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje \u2013 nemokama pagalba i\u0161 Motty\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">2<\/h3><p>Skontaktuj si\u0119 z doradc\u0105 i por\u00f3wnaj oferty &#8211; odsetki, op\u0142aty i raty.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/til-slutt.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">3<\/h3><p>Z\u0142\u00f3\u017c podpis za pomoc\u0105 BankID na stronie banku.<\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                        <div class=\"mt-20 p-8 rounded-lg flex gap-4 bg-fjellvann-medium-beige items-center text-image-columns-bottom\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"39\" viewBox=\"0 0 34 39\" fill=\"none\">\n            <path d=\"M16.4825 37.8473C14.4745 37.8221 12.8626 36.3904 12.879 35.0412C12.8848 34.5777 13.2489 34.206 13.6942 34.211L19.3558 34.2825C19.8 34.2886 20.1564 34.6684 20.1516 35.1329C20.1361 36.4206 18.4914 37.8715 16.4834 37.8463L16.4825 37.8473Z\" fill=\"#13C27F\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M21.5784 32.5984C21.5844 32.2352 21.3946 31.918 21.1114 31.7589C21.3995 31.6088 21.6003 31.2986 21.6062 30.9354C21.6152 30.4191 21.2276 29.9949 20.7407 29.9858L12.6201 29.8478C12.1332 29.8398 11.7317 30.251 11.7228 30.7673C11.7168 31.1305 11.9066 31.4477 12.1898 31.6068C11.9017 31.7569 11.7009 32.0671 11.695 32.4303C11.689 32.7935 11.8788 33.1107 12.162 33.2698C11.8738 33.4198 11.6731 33.73 11.6671 34.0932C11.6582 34.6095 12.0457 35.0338 12.5327 35.0428L20.6533 35.1809C21.1402 35.1889 21.5416 34.7776 21.5506 34.2613C21.5565 33.8981 21.3667 33.5809 21.0835 33.4218C21.3717 33.2718 21.5724 32.9616 21.5784 32.5984Z\" fill=\"#2264DC\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M26.6955 18.4163C26.7871 12.9086 22.4656 8.36801 17.0443 8.27489C11.623 8.18178 7.15363 12.5722 7.06198 18.0799C7.02059 20.5659 7.87897 22.8548 9.33163 24.6269C9.34937 24.6479 9.43117 24.7331 9.45383 24.7571C11.6555 27.138 12.6686 29.2406 12.6568 29.9534L16.6836 30.0225L20.7104 30.0916C20.7223 29.3807 21.8103 27.3232 24.0819 25.0244C24.1085 24.9974 24.1804 24.9153 24.1923 24.9013C25.7129 23.1782 26.6531 20.9124 26.6945 18.4163H26.6955Z\" fill=\"#F2EBE0\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M13.6064 12.1523C10.9833 13.4641 9.9412 16.6184 11.283 19.1826\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M11.6667 22.3335C12.0684 22.3335 12.394 22.0078 12.394 21.6062C12.394 21.2045 12.0684 20.8789 11.6667 20.8789C11.2651 20.8789 10.9395 21.2045 10.9395 21.6062C10.9395 22.0078 11.2651 22.3335 11.6667 22.3335Z\" fill=\"white\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M16.7578 1V5.84848\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M7.06055 4.39453L9.96964 8.27332\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 12.8789L5.60606 14.3335\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 23.06L5.60606 21.6055\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 22.8178L28.3936 21.3633\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 12.6367L28.3936 14.0913\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M26.6969 4.15234L24.0303 8.03113\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <\/svg>\n            <div class=\"w-[calc(100%-38px)]\">\n                <p><em>Oferty s\u0105 wa\u017cne ok. 30 dni. Je\u015bli nie zdecydujesz si\u0119 na wzi\u0119cie po\u017cyczki, wystarczy zako\u0144czy\u0107 proces i nie sk\u0142ada\u0107 podpisu. Proces odbywa si\u0119 drog\u0105 elektroniczn\u0105 przy u\u017cyciu BANKID.<\/em><\/p>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"cc-69f25dcdea612\" class=\"text_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-12 px-6 md:py-14 md:px-14 lg:py-[120px] xl:px-28\">\n        <div class=\"flex flex-col flex-wrap md:flex-row gap-12 lg:gap-20\">\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\n                    <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                        <h2 class=\"h2\">Do wniosku przygotuj:<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Imi\u0119 i nazwisko<\/li>\n<li>Numer personalny<\/li>\n<li>Adres e-mail<\/li>\n<li>Numer telefonu<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p><em>Mo\u017cesz uzupe\u0142ni\u0107 i z\u0142o\u017cy\u0107 wniosek samodzielnie lub <a href=\"https:\/\/www.motty.no\/pl\/skontaktuj-sie-z-nami\">poprosi\u0107 nas o pomoc<\/a>!<\/em><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\n                    <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                        <h2 class=\"h2\">Mo\u017cesz wnioskowa\u0107, je\u015bli:<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Masz powy\u017cej 23 lat<\/li>\n<li>Posiadasz doch\u00f3d w wysoko\u015bci co najmniej 230 000 kr<\/li>\n<li>Uwaga: Ka\u017cdy wnioskodawca podlega ocenie kredytowej<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p>Wszystkie banki w Norwegii przeprowadzaj\u0105 ocen\u0119 kredytow\u0105 wnioskodawc\u00f3w.<\/p>\n<p><a href=\"https:\/\/www.motty.no\/pl\/ressurser\/bankordlisten\/kredittsjekk\">Czym jest ocena kredytowa?<\/a><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f25dcdef43a\" class=\"feature_content-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 md:p-14 xl:p-28\">\n        <div class=\"flex flex-col gap-6 md:flex-row md:items-center md:gap-[40px] lg:gap-[80px]\">\n                            <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(47%-40px)] order-2 md:order-1\">\n                    <div class=\"flex flex-col gap-6 md:gap-8\">\n                        <h2 class=\"h2\">Znajd\u017a kredyt online<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Czasami potrzebujemy szybko pozyska\u0107 dodatkowe \u015brodki.  Kredyty konsumenckie s\u0105 dobrym rozwi\u0105zaniem, gdy pojawiaj\u0105 si\u0119 du\u017ce lub niespodziewane wydatki.<\/h3><div class=\"feature__content-text space-y-6\"><p><span class=\"\">Z nami mo\u017cesz\u00a0<\/span>bezpiecznie i skutecznie<span class=\"\">\u00a0ubiega\u0107 si\u0119 o kredyt konsumencki online na kwot\u0119 od 5 000 &#8211; 800 000 kr.<\/span><\/p>\n<\/div>                        <\/div>\n                                                <div class=\"feature_content-btn\">\n                        <a id=\"\" href=\"#content\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 \">Wnioskuj<\/a>                        <\/div>\n                                            <\/div>\n                <\/div>\n                                        <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(53%-40px)] order-1  md:order-2\">\n                                    <img decoding=\"async\" class=\"rounded-lg overflow-hidden border-b-8 border-b-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/09\/lan.webp\" alt=\"kredyt w Norwegii\" \/>\n                                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f25dcdf0d3f\" class=\"feature_content-outer-container overflow-hidden relative\">\n<svg class=\"absolute top-0 left-0 hidden md:block\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"593\" height=\"615\" viewBox=\"0 0 593 615\" fill=\"none\">\n<path d=\"M203.964 63.4865L203.959 63.4906L203.267 64.141L203.254 64.1539L203.24 64.1671L186.798 80.5602L107.378 159.743L-101.005 367.504V232.603C-101.005 168.792 -49.7295 116.031 14.2431 115.66C38.0374 115.524 60.205 122.563 78.6877 134.751L79.5544 135.322L80.2896 134.589L160.164 54.9526L161.167 53.9531L160.068 53.0604C119.156 19.8147 68.44 1.72514 14.9375 1.72514C-37.6024 1.72514 -87.464 19.1609 -127.994 51.2815V3V1.72514H-129.269H-214H-215.275V3V231.243V234.718V591.884C-215.275 610.597 -192.601 619.941 -179.346 606.725L-152.741 580.203L-153.641 579.3L-152.741 580.203L-130.556 558.079L240.533 188.103L282.602 146.16C303.926 126.593 331.576 115.777 360.607 115.66C424.608 115.397 477.014 168.797 477.014 232.652V601.856C477.014 607.999 482.019 612.981 488.173 612.981H580.123C586.285 612.981 591.282 607.999 591.282 601.856V231.243C591.282 169.937 567.342 112.302 523.858 68.9484C480.383 25.6044 422.566 1.72514 361.085 1.72514C299.602 1.72514 246.73 23.6663 203.964 63.4865ZM130.872 580.582H132.147H243.873H245.147V579.307V238.743V235.671L242.972 237.84L131.247 349.229L130.872 349.602V350.131V579.307V580.582Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n<\/svg>\n    <div class=\"container mx-auto py-10 px-6 md:p-14 lg:py-28 xl:px-28 relative z-[5]\">\n        <h2 class=\"h2 text-center\">Kalkulator kredytowy &#8211; Ile wyniesie kredyt?<\/h2>        <p class=\"text-center mt-6 text-lg text-fjellvann-dark-blue max-w-[900px] mx-auto\">Wpisz kwot\u0119, kt\u00f3r\u0105 chcesz po\u017cyczy\u0107, okres sp\u0142aty oraz oprocentowanie i dowiedz si\u0119, jaka b\u0119dzie miesi\u0119czna rata. Mo\u017cesz tak\u017ce zobaczy\u0107 harmonogram sp\u0142at.<\/p>        <div data-product=\"ConsumerLoan\" data-locale=\"pl\" data-type=\"loan cost\" class=\"mt-8 bg-fjellvann-medium-beige p-12 rounded-lg max-w-fit mx-auto\" id=\"loan-calculator\"><\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"69f25dcdf161e\" class=\"flexible__content-outer-container\">\n    <div class=\"container mx-auto md:px-14 md:py-14 xl:px-28\">\n        <div class=\"flex flex-col md:flex-row gap-10 xl:gap-20 items-start\">\n                                                    <div class=\"flexible__contents-inner-container px-6 md:px-0 md:w-[calc(60%-20px)] md:order-1 xl:w-[65ch] mx-auto\">\n                    <div class=\"flexible__contents-inner-items flex flex-col gap-12 md:gap-14 lg:gap-20\">\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h2>Wszystko o kredytach<\/h2>\n                                    <\/div>\n                                                                    <div class=\"flexible__contents-accordion\">\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Czym jest refinansowanie bez zabezpieczenia?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Refinansowanie bez zabezpieczenia to forma kredytu, kt\u00f3r\u0105 bank udziela bez konieczno\u015bci przeznaczania domu lub cz\u0119\u015bci maj\u0105tku na zabezpieczenie. Nie potrzebujesz te\u017c por\u0119czenia. Po\u017cyczki refinansowe s\u0105 cz\u0119sto wykorzystywane do zast\u0105pienia drogich kart kredytowych i kredyt\u00f3w o wysokim oprocentowaniu, nowym kredytem o ni\u017cszym oprocentowaniu i kosztach. Refinansuj\u0105c, mo\u017cesz obni\u017cy\u0107 koszty odsetek i zaoszcz\u0119dzi\u0107.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Jak dzia\u0142a refinansowanie?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Kiedy refinansujesz, otrzymujesz nowy kredyt, aby zredukowa\u0107 ilo\u015b\u0107 kart kredytowych i drogich po\u017cyczek o wysokim oprocentowaniu. Warto refinansowa\u0107 nawet jedno zobowi\u0105zanie by pozby\u0107 si\u0119 wysokiego oprocentowania, rat i dodatkowych op\u0142at. Refinansowanie dzia\u0142a w nast\u0119puj\u0105cy spos\u00f3b: Twoje zad\u0142u\u017cenie jest usuwane i zast\u0119powane now\u0105 po\u017cyczk\u0105 o ni\u017cszych kosztach i oprocentowaniu ni\u017c wcze\u015bniej.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Czy mog\u0119 refinansowa\u0107 zad\u0142u\u017cenie z karty kredytowej?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Mo\u017cesz refinansowa\u0107 zad\u0142u\u017cenie karty kredytowej. Oprocentowanie kart kredytowych jest wy\u017csze ni\u017c oprocentowanie kredytu refinansowego lub kredytu konsumenckiego. Pomo\u017cemy Ci zrefinansowa\u0107 zad\u0142u\u017cenie na karcie kredytowej.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Ile mog\u0119 zaoszcz\u0119dzi\u0107?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Istniej\u0105 dwa sposoby na zaoszcz\u0119dzenie pieni\u0119dzy. Mo\u017cesz sp\u0142aci\u0107 zobowi\u0105zania tak szybko, jak to mo\u017cliwe lub je refinansowa\u0107 dzi\u0119ki nowemu rozwi\u0105zaniu o ni\u017cszym oprocentowaniu i ni\u017cszych kosztach. Rodzaje oprocentowania oferowane przez banki s\u0105 r\u00f3\u017cne &#8211; my zajmiemy si\u0119 znalezieniem dla Ciebie najni\u017cszego!<\/span><\/p>\n<p><span data-sheets-root=\"1\">Drugi przyk\u0142ad oszcz\u0119dno\u015bci to skr\u00f3cenie okresu sp\u0142aty:<br \/>\nPo\u017cyczka w wysoko\u015bci 100 000 kr, z oprocentowaniem nominalnym 15% i okresem sp\u0142aty wynosz\u0105cym 10 lat, kosztuje 100 000 kr odsetek. Je\u015bli skr\u00f3cisz okres sp\u0142aty do 3 lat, ta sama po\u017cyczka b\u0119dzie kosztowa\u0107 28 000 kr odsetek. Ponadto oszcz\u0119dzasz pieni\u0105dze na op\u0142atach, kt\u00f3rych nie musisz p\u0142aci\u0107!<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Zdob\u0105d\u017a pieni\u0105dze na swoje potrzeby!<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Wiemy, jak skutecznie uzyska\u0107 kredyt! Bez wzgl\u0119du na cel \u2013 czy s\u0105 to wymarzone wakacje, remont domu czy zakup nowego sprz\u0119tu AGD. Rozumiemy, \u017ce czasami pojawiaj\u0105 si\u0119 nieprzewidziane wydatki lub okazja do inwestycji.<\/span><\/p>\n<p><span data-sheets-root=\"1\">To Ty podejmujesz decyzj\u0119, czy chcesz po\u017cyczy\u0107 pieni\u0105dze z zabezpieczeniem, czy bez niego. To dwa r\u00f3\u017cne kredyty i wa\u017cne jest, aby zna\u0107 r\u00f3\u017cnic\u0119 mi\u0119dzy nimi, aby m\u00f3c dokona\u0107 w\u0142a\u015bciwego wyboru.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kredyt bez zabezpiecze\u0144<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">To kredyt, kt\u00f3ry mo\u017cesz uzyska\u0107 od banku bez konieczno\u015bci zastawiania posiadanej przez Ciebie w\u0142asno\u015bci. W takiej sytuacji bank nie wymaga zabezpieczenia w postaci domu lub samochodu. Ubieganie si\u0119 o kredyt bez zabezpieczenia jest proste i szybsze, bo nie wymaga dodatkowych czynno\u015bci, np. wyceny nieruchomo\u015bci.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Bank podejmuje wi\u0119ksze ryzyko, nie otrzymuj\u0105c od Ciebie niczego, co m\u00f3g\u0142by sprzeda\u0107 w przypadku niesp\u0142acenia kredytu. W zwi\u0105zku z tym kredyt ma cz\u0119sto wy\u017csze oprocentowanie, kt\u00f3re generuje zabezpieczenie dla banku. Zalet\u0105 jest jednak to, \u017ce mo\u017cesz wykorzysta\u0107 pieni\u0105dze na dowolny cel, wed\u0142ug w\u0142asnych potrzeb.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kredyt z zabezpieczeniem<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Taka forma kredytu jest bezpieczniejsza dla banku. Dlatego jest on sk\u0142onny zaoferowa\u0107 ni\u017csze oprocentowanie i d\u0142u\u017cszy okres sp\u0142aty ni\u017c w przypadku kredyt\u00f3w niezabezpieczonych.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Je\u015bli ubiegasz si\u0119 o kredyt zabezpieczony, musisz uzyska\u0107 wycen\u0119 nieruchomo\u015bci, w celu udokumentowania jej warto\u015bci dla banku. Uzyskanie wyceny mo\u017ce wyd\u0142u\u017cy\u0107 proces wnioskowania.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Uzyskaj najni\u017csze oprocentowanie kredytu<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">To, jakie oprocentowanie zaoferuje Ci bank, zale\u017cy od Twojej indywidualnej sytuacji. Jest wiele czynnik\u00f3w, kt\u00f3re decyduj\u0105 o stopie oprocentowania, a ka\u017cdy bank ocenia je inaczej. System oceny jest r\u00f3\u017cny, dlatego cz\u0119sto otrzymasz wiele r\u00f3\u017cnych ofert z bank\u00f3w. Najlepszym rozwi\u0105zaniem jest rozes\u0142anie wniosku kredytowego do kilku bank\u00f3w jednocze\u015bnie. Twoje szanse na otrzymanie zadowalaj\u0105cej Ci\u0119 oferty s\u0105 w\u00f3wczas wi\u0119ksze! <\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Jak bank ustala oprocentowanie Twojego kredytu?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Oto kilka kryteri\u00f3w, wed\u0142ug kt\u00f3rych oceniany jest poziom st\u00f3p procentowych:<\/span><\/p>\n<ul class=\"defaultList\">\n<li><span data-sheets-root=\"1\">Kwota Twojego dochodu lub ca\u0142kowity doch\u00f3d gospodarstwa domowego<\/span><\/li>\n<li><span data-sheets-root=\"1\">Tw\u00f3j stan cywilny i wiek<\/span><\/li>\n<li><span data-sheets-root=\"1\">Czy wnioskujesz sam czy ze wsp\u00f3\u0142kredytobiorc\u0105<\/span><\/li>\n<li><span data-sheets-root=\"1\">Kwota posiadanego zad\u0142u\u017cenia<\/span><\/li>\n<li><span data-sheets-root=\"1\">Posiadane nieruchomo\u015bci oraz inne aktywa<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\">W zwi\u0105zku z szerokim wachlarzem kryteri\u00f3w, w Motty podajemy przyk\u0142adowe oprocentowanie na poziomie od 4,9% do 23,4%. Istnieje nominalne oprocentowanie, kt\u00f3re obowi\u0105zuje ka\u017cdego kredytobiorc\u0119. Oprocentowanie rzeczywiste waha si\u0119 od 5,16% do 26,23% z uwzgl\u0119dnieniem wszystkich koszt\u00f3w.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Chcesz otrzyma\u0107 indywidualn\u0105 ofert\u0119 oprocentowania? Prze\u015blij nam sw\u00f3j wniosek! <\/span><span data-sheets-root=\"1\">My zweryfikujemy zawarte w nim informacje, a nast\u0119pnie przeka\u017cemy go bankom. Dzi\u0119ki temu otrzymasz oferty z kilku bank\u00f3w jednocze\u015bnie, co umo\u017cliwi Ci wybranie oferty najni\u017cszego oprocentowania na rynku.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Ile kosztuje kredyt?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Ko\u0144cowy koszt Twojego kredytu zale\u017cy od uzyskanego oprocentowania. To w\u0142a\u015bnie oprocentowanie, op\u0142aty i prowizje banku decyduj\u0105 o rzeczywistym ko\u0144cowym koszcie kredytu. <\/span><\/p>\n<p><span data-sheets-root=\"1\">Przyk\u0142ad:<\/span><\/p>\n<p><span data-sheets-root=\"1\">Kredyt w wysoko\u015bci 100 000 kr z oprocentowaniem 11,9% na 5 lat to koszt 35 914 kr. Zatem kredyt 100 000 kr w rzeczywisto\u015bci b\u0119dzie Ci\u0119 kosztowa\u0142 135 914 kr.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Ponadto banki pobieraj\u0105 jednorazow\u0105 op\u0142at\u0119 za przyznanie kredytu w wysoko\u015bci od 0 do 1990 kr oraz op\u0142aty miesi\u0119czne od 25 do 45 kr. Dopiero oprocentowanie rzeczywiste m\u00f3wi nam, jaki b\u0119dzie ca\u0142kowity koszt kredytu, poniewa\u017c uwzgl\u0119dnia ono wszystkie koszty.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kto mo\u017ce ubiega\u0107 si\u0119 o kredyt?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Je\u015bli chcesz uzyska\u0107 kredyt z dobrym oprocentowaniem, musisz spe\u0142ni\u0107 kryteria poszczeg\u00f3lnych bank\u00f3w. Kryteria r\u00f3\u017cni\u0105 si\u0119, a co za tym idzie \u2013 decyzje bank\u00f3w w sprawie Twojego wniosku tak\u017ce b\u0119d\u0105 si\u0119 r\u00f3\u017cni\u0107.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Wsp\u00f3lnym kryterium ka\u017cdego norweskiego banku jest konieczno\u015b\u0107 przeprowadzenia oceny kredytowej wnioskodawcy.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Og\u00f3lne wymogi przy udzielaniu kredyt\u00f3w:<\/span><\/p>\n<ul class=\"defaultList\">\n<li><span data-sheets-root=\"1\">Uko\u0144czone 23 lata<\/span><\/li>\n<li>Sta\u0142y doch\u00f3d w wysoko\u015bci minimum 230 000 kr<\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\">Kwota kredytu, o kt\u00f3r\u0105 mo\u017cesz si\u0119 ubiega\u0107, jest oceniana na podstawie twojego zad\u0142u\u017cenia i dochod\u00f3w. Twoje zad\u0142u\u017cenie nie mo\u017ce przekroczy\u0107 rocznego dochodu brutto pomno\u017conego przez 5.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Czy otrzymam kredyt posiadaj\u0105c monit lub windykacj\u0119 (inkasso)?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p><span data-sheets-root=\"1\">Otrzymanie monitu oznacza, \u017ce \u200b\u200bnie sp\u0142aci\u0142e\u015b jednego lub wi\u0119cej wierzycieli. Z tego powodu wiele os\u00f3b otrzymuje odmow\u0119 udzielenia kredytu z banku. Na rynku s\u0105 te\u017c banki, kt\u00f3re oferuj\u0105 pomoc w takiej sytuacji. Uzyskanie kredytu mimo otrzymanego monitu lub windykacji wi\u0105\u017ce si\u0119 z refinansowaniem.<\/span><\/p>\n<p><span data-sheets-root=\"1\">W takiej sytuacji bank kasuje Twoje zad\u0142u\u017cenie, sp\u0142acaj\u0105c przy tym Twoich wierzycieli. Nast\u0119pnie \u0142\u0105czy ten d\u0142ug w zupe\u0142nie nowy kredyt. Je\u015bli chcesz skorzysta\u0107 z tego rozwi\u0105zania, musisz zapewni\u0107 bankowi zabezpieczenie np. w postaci nieruchomo\u015bci.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><a href=\"https:\/\/www.motty.no\/pl\/refinansiering-norwegia\">Z\u0142\u00f3\u017c wniosek o refinansowanie<\/a>, je\u015bli potrzebujesz uporz\u0105dkowa\u0107 swoje finanse i odzyska\u0107 nad nimi kontrol\u0119.<\/span><\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-69f25dce00c31\" class=\"calltoaction-outer-container overflow-hidden globalcta\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28\">\n        <div class=\"rounded-lg bg-fjellvann-medium-beige py-14 px-5 md:px-[50px] lg:px-[100px]\">\n            <div class=\"flex flex-col-reverse gap-10 md:gap-[57px] md:flex-row md:items-center\">\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(592px)]\">\n                                        <div class=\"flex flex-col gap-6 text-center md:text-left\">\n                    <h2 class=\"h2 max-w-[592px]\">Nadal masz pytania?<\/h2><p class=\"text-[18px] md:text-[24px] font-recklessregular\">Skontaktuj si\u0119 z nami, a my Ci pomo\u017cemy! Odpowiemy na wszystkie twoje pytania i rozwiejemy wszelkie w\u0105tpliwo\u015bci.<\/p>                    <\/div>\n                                                            <div class=\"mt-10\">\n                            <a id=\"\" href=\"https:\/\/www.motty.no\/pl\/kontakt\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Kontakt<\/a>                    <\/div>\n                                    <\/div>\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(100%-620.5px)]\">\n                    <img decoding=\"async\" class=\"w-[174px] h-auto mx-auto md:m-0 md:w-full md:h-full object-cover\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/faq_prefooter.svg\" alt=\"faq_prefooter\" \/>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"slb-69f25dce025c8\" class=\"services__link-block-outer-container\">\n    <div class=\"max-w-[1080px] mx-auto py-6 px-0 md:px-14 md:py-16 xl:px-28 \">\n        <div class=\"hidden md:flex md:flex-wrap md:gap-8 md:items-center md:justify-center\">\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt-konsumencki-norwegia\">\n            <span>Kredyt konsumencki<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/refinansiering-norwegia\">\n            <span>Refinansowanie<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/karta-kredytowa-norwegia\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/kredittkort.svg\" alt=\"\"\/><span>Karta kredytowa<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/pomoc-finansowa-norwegia\">\n            <span>Pomoc finansowa<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/sok-nytt-lan\">\n            <span>Wnioskuj o nowy kredyt<\/span>            <\/a>\n                    <\/div>\n        <div class=\"block md:hidden\">\n            <div id=\"post4383\" class=\"swiper archive_swiper\" data-swiper=\"post4383\">\n                <div class=\"swiper-wrapper\">\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt-konsumencki-norwegia\">\n                        <span>Kredyt konsumencki<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/refinansiering-norwegia\">\n                        <span>Refinansowanie<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/karta-kredytowa-norwegia\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/kredittkort.svg\" alt=\"\"\/><span>Karta kredytowa<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/pomoc-finansowa-norwegia\">\n                        <span>Pomoc finansowa<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/sok-nytt-lan\">\n                        <span>Wnioskuj o nowy kredyt<\/span>                        <\/a>\n                    <\/div>\n\n                                    <\/div>\n                <div class=\"sp-pagination-post4383 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-69f25dce0540c\" class=\"related_articles-outer-container\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:pt-14 lg:pb-28\">\n        <div class=\"flex flex-col text-center gap-8\">\n                        <h2 class=\"h2\">Artyku\u0142y<\/h2>\n                    <\/div>\n                <div class=\"mt-14 flex flex-col gap-14 items-center\">\n            <div class=\"flex flex-col gap-8 flex-wrap md:flex-row\">\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/czy-mozna-wziac-kredyt-w-polsce-pracujac-w-norwegii\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/09\/Praca-i-kredyt-i-Norge.png\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/czy-mozna-wziac-kredyt-w-polsce-pracujac-w-norwegii\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Czy mo\u017cna wzi\u0105\u0107 kredyt w Polsce pracuj\u0105c w Norwegii?<\/h3><p>Pracujesz w Norwegii i chcesz wzi\u0105\u0107 kredyt? Wiele os\u00f3b decyduje si\u0119 na wnioskowanie o kredyt do&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/dlaczego-nie-warto-bac-sie-kredytu-w-norwegii\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/09\/Motty-miniaturka-02-05.jpg\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/dlaczego-nie-warto-bac-sie-kredytu-w-norwegii\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Dlaczego nie warto ba\u0107 si\u0119 kredytu w Norwegii<\/h3><p>Dlaczego u niekt\u00f3rych os\u00f3b samo s\u0142owo \u201ekredyt\u201d powoduje dr\u017cenie r\u0105k i przyspieszone bicie serca? Przyczyn\u0105 s\u0105&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/jak-sprawdzic-swoja-zdolnosc-kredytowa-w-norwegii\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/09\/Kredittvurdering-Norge.png\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/pl\/artikler\/finanse-prywatne\/jak-sprawdzic-swoja-zdolnosc-kredytowa-w-norwegii\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Jak sprawdzi\u0107 swoj\u0105 zdolno\u015b\u0107 kredytow\u0105 w Norwegii<\/h3><p>Potrzebujesz dodatkowych \u015brodk\u00f3w finansowych, a mo\u017ce interesuje Ci\u0119 kredyt na zakup mieszkania b\u0105d\u017a domu w Norwegii?&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <\/div>\n            <a id=\"\" href=\"https:\/\/www.motty.no\/pl\/artykuly\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Czytaj wi\u0119cej<\/a>        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","class_list":["post-4383","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester"}],"about":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/types\/tjenester"}],"version-history":[{"count":1,"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4383\/revisions"}],"predecessor-version":[{"id":6073,"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4383\/revisions\/6073"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/media?parent=4383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}