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<!DOCTYPE html><html lang="pl"><head><meta charSet="utf-8"/><meta name="viewport" content="initial-scale=1, width=device-width"/><meta id="redesign"/><meta name="p:domain_verify" content="486176bd1ea30b4b17305e2e042b878b"/><script type="text/javascript">try{const a=t=>{return a=window,e=document,n="script",a[o="uetq"]=a[o]||[],r=function(){var e={ti:""+t,enableAutoSpaTracking:!0};e.q=a[o],a[o]=new UET(e),a[o].push("pageLoad")},(c=e.createElement(n)).src="//bat.bing.com/bat.js",c.async=1,c.onload=c.onreadystatechange=function(){var e=this.readyState;e&&"loaded"!==e&&"complete"!==e||(r(),c.onload=c.onreadystatechange=null)},void(e=e.getElementsByTagName(n)[0]).parentNode.insertBefore(c,e);var a,e,n,o,r,c};Object.defineProperty(window,"uetLoader",{value:a})}catch(e){console.error(e)}</script><script type="text/javascript">window.clarityModule={appendClarityScript:t=>{const e='!function(c,l,a,r,i,t,y){a[c]("metadata",(function(e){function n(){var n=ga.getAll();for(var o in n){var s=n[o];if("UA-2629088-1"===s.get("trackingId")){s.set("dimension53",["https://clarity.microsoft.com/ga",e.projectId,e.userId,e.sessionId].join("/")),s.send("event",{eventCategory:"Clarity",nonInteraction:!0,eventAction:e.sessionId});break}}}try{ga&&ga(n)}catch(e){try{n()}catch(e){}}}));try{var d="dataLayer",g="gtag";a[d]=a[d]||[],a[g]=a[g]||function(){a[d].push(arguments)},a[g]("event","optimize.callback",{callback:function(e,g){a[c]("set","optimizeExp",g+":"+e)}})}catch(e){}if(a[c].v||a[c].t)return a[c]("event",c,"dup."+i.projectId);a[c].t=!0,(t=l.createElement(r)).async=!0,t.src="/static/front/clarity_scripts/js/clarity.js",(y=l.getElementsByTagName(r)[0]).parentNode.insertBefore(t,y),a[c]("start",i),a[c].q.unshift(a[c].q.pop())}("clarity",document,window,"script",{"projectId":"'+t+'","upload":"https://d.clarity.ms/collect","expire":365,"cookies":["_uetmsclkid","_uetvid"],"track":false,"lean":false,"content":true,"extract":[3,1,["4f509md79","zjy56jaz","4s4zm72hj"]]});',a=document.createElement("script");a.type="text/javascript",a.async=!0,a.append(e),document.getElementsByTagName("head")[0].appendChild(a)}};</script><script id="uc-gtm">function gtag(){dataLayer.push(arguments)}window.dataLayer=window.dataLayer||[],window.addEventListener("ucEvent",function(e){if(e.detail&&"consent_status"==e.detail.event){var t="Microsoft Clarity";switch(e.detail.hasOwnProperty(t)&&gtag("consent","update",{clarity_storage:e.detail[t]?"granted":"denied"}),e.detail.action){case"onAcceptAllServices":document.cookie="3_RODO_FULL=true; path=/; secure=true; samesite=none; max-age=34560000;";break;case"onDenyAllServices":document.cookie="5_RODO_REJECTED=true; path=/; secure=true; samesite=none; max-age=34560000;";break;case"onUpdateServices":document.cookie="4_RODO_SETTINGS=true; path=/; secure=true; samesite=none; max-age=34560000;"}e.detail.ucCategory.essential&&(document.cookie="3_RODO_FULL=true; path=/; secure=true; samesite=none; max-age=34560000;")}}),gtag("consent","default",{ad_storage:"denied",analytics_storage:"denied",clarity_storage:"denied",ad_user_data:"denied",ad_personalization:"denied",wait_for_update:2e3}),gtag("set","ads_data_redaction",!0),function(e,t,a,n){e[n]=e[n]||[],e[n].push({"gtm.start":(new Date).getTime(),event:"gtm.js"});e=t.getElementsByTagName(a)[0],n=t.createElement(a);n.async=!0,n.src="https://www.googletagmanager.com/gtm.js?id=GTM-NZQMN2W",e.parentNode.insertBefore(n,e)}(window,document,"script","dataLayer"); </script><title>Opłaty i oprocentowanie - PKO Bank Polski</title><meta name="description" content="Zapraszamy do zapoznania się z opłatami i prowizjami, które obowiązują w PKO Banku Polskim oraz z oprocentowaniem rachunków i kredytów złotowych i walutowych dla osób fizycznych oraz klientów korporacyjnych. Dowiedz się więcej na ten temat."/><meta name="article:modified_time" content="2024-04-17T15:32:11.753602+02:00"/><meta name="robots" content="index, follow"/><link rel="canonical" href="https://www.pkobp.pl/oplaty-i-oprocentowanie"/><script>window.pko = {"storage":{"dd_RRSO-KMSR":"8,90%","test":"testowa1","dd_RRSO-BK-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo Bezpiecznego kredytu 2% w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>4,31%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 290 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 96,3%, oprocentowanie stałe przez pierwsze 5 lat: 7,02%/rok, na które składa się 5-letnia stała stopa bazowa 5,02%/rok, marża 2%, następnie na drugi 5 letni okres oprocentowanie stałe 7,67%, na które składa się 5-letnia stała stopa bazowa 5,67%/rok i marża 2%, a następnie oprocentowanie zmienne 7,67%/rok (od 11. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,67%/rok z dnia 09.11.2023 r. i marża 2%; całkowity koszt kredytu 184 704,44 zł, w tym prowizja za udzielenie kredytu 1,7%, tj. 4 930 zł, opłata prowizyjna dla BGK za udzielenie gwarancji 490,86 zł; odsetki 172 573,72 zł, ubezpieczenie nieruchomości 5 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; całkowita kwota do zapłaty 474 704,44 zł, płatna w 300 ratach: malejących w okresie stosowania dopłat oraz ratach annuitetowych (równych) miesięcznych po tym okresie, przy czym pierwsza rata malejąca z dopłatą wyniesie 1 426,76 zł, od 11. roku raty annuitetowe (równe) wyniosą po 1 630,69 zł i ostatnia rata wyniesie 1 442,25 zł. Kalkulacja została dokonana na dzień 10.11.2023 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG":"11,57%","dd_RRSO-KH-BH-S":"9,10%","dd_RRSO-KH-BH-Z":"9,84%","dd_RRSO-KH-PKO-Z":"9,83%","dd_RRSO-KH-PR-BH-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,84%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 320 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 61,70%, oprocentowanie zmienne 8,18%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,32 p.p.; całkowity koszt kredytu 466 858,85 zł, w tym: prowizja 0,5%, tj. 1 600 zł, odsetki 431 819,05 zł, ubezpieczenie nieruchomości 6 400 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 26 620,80 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); całkowita kwota do zapłaty 786 858,85 zł, płatna w 300 miesięcznych ratach annuitetowych (równych), po 2 510,00 zł, przy czym ostatnia rata wyniesie 1 329,05 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 024,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 324,97 zł (w tym: prowizja 0,00 zł, odsetki 1 324,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-KH-PKO-S":"9,08%","[!RRSO-KKMP]":"20,74%","dd_RRSO-EP-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 19,55%, całkowita kwota kredytu (bez kredytowanych kosztów) 29 900,00 zł, całkowita kwota do zapłaty 48 549,53 zł, oprocentowanie zmienne 17,99%, całkowity koszt kredytu 18 649,53 zł (w tym: prowizja 0,00 zł, odsetki 18 649,53 zł), 71 miesięczne raty równe po 681,78 zł i ostatnia rata: 143,15 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>\n\nUdzielenie pożyczki jest uzależnione od pozytywnej oceny zdolności kredytowej. Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.<br/><br/>\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. <br/><br/>","dd_RRSO-KH-PR-PKO-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,08%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-PKO-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,83%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-KHM":"9,92%","dd_RRSO-KKI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKMP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-LO-BO-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","dd_RRSO-LO-KI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","[!RRSO-BK]":"4,31%","[!RRSO-EP]":"19,55%","[!RRSO-EPG]":"11,57%","[!RRSO-KMSR]":"9,24%","[!RRSO-KH-BH-Z]":"8,81%","dd_RRSO-PH":"11,62%","[!RRSO-PGPROMO]":"16,43%","dd_RRSO-PH-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi <strong>11,62%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","[!RRSO-KH-BH]":"9,84%","[!RRSO-KH-PKO-Z]":"8,41%","[!RRSO-KH-PKO]":"9,83%","[!RRSO-KHM]":"9,92%","[!RRSO-PG]":"11,57%","[!RRSO-PH]":"11,62%","dd_RRSO-PG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-PK-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 12,56%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 39 812,55 zł, oprocentowanie zmienne 11,89%, całkowity koszt kredytu 13 112,55 zł (w tym: prowizja 0,00 zł, odsetki 13 112,55 zł), 85 miesięcznych rat równych po 462,75 zł i ostatnia rata: 478,80 zł. Kalkulacja została dokonana na dzień 18.11.2024 r. na reprezentatywnym przykładzie.</strong>","[!RRSO-PK]":"12,56%","dd_RRSO-KMSR-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>8,90%</strong> przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-PH-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką <strong>10,75%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-BH-S":"<strong> Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,10%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r."}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"PKO Bank Polski","item":"https://www.pkobp.pl"},{"@type":"ListItem","position":2,"name":"Opłaty i oprocentowanie"}]}</script><meta name="next-head-count" content="14"/><link rel="shortcut icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><link rel="apple-touch-icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><meta name="msapplication-TileColor" content="#3074D5"/><meta name="theme-color" content="#003574"/><link rel="preload" href="/_next/static/css/db9be11e725027ca.css" as="style"/><link rel="stylesheet" href="/_next/static/css/db9be11e725027ca.css" data-n-g=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" 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align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss45 { align-items: start; } } @media (max-width:639.95px) { .jss45 { padding-left: 16px; } } .jss46 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss46 { padding-left: 24px; padding-right: 24px; } } .jss47 { padding-top: 16px; } @media (min-width:640px) { .jss47 { padding-top: 24px; } } .jss48 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss48 { top: 5px; } } .jss49 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss49 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss49 { } .jss49 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss49::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss49::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss49::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss49::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss49::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss75 { } @media (max-width:639.95px) { .jss75 { min-width: 300px; } } @media (min-width:640px) { .jss75 { width: auto; max-width: 1044px; } } .jss76 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss76 { align-items: start; } } @media (max-width:639.95px) { .jss76 { padding-left: 16px; } } .jss77 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss77 { padding-left: 24px; padding-right: 24px; } } .jss78 { padding-top: 16px; } @media (min-width:640px) { .jss78 { padding-top: 24px; } } .jss79 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media 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border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss187::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss187::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss187::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss203 { clip: rect(0, 0, 0, 0) !important; width: 1px !important; border: 0 !important; height: 1px !important; margin: -1px !important; padding: 0 !important; overflow: hidden !important; position: absolute !important; clip-path: inset(50%) !important; white-space: nowrap !important; } .jss169 { color: #000; border: 1px solid transparent; cursor: pointer; display: inline-flex; padding: 11px 16px; font-size: 16px; min-width: 180px; background: transparent; box-sizing: border-box; margin-top: 8px; min-height: 48px; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-radius: 0; margin-bottom: 8px; text-transform: none; justify-content: center; text-decoration: none; } .jss169::selection { background: transparent; } .jss169:disabled { color: #636363; pointer-events: none; } .jss170 { color: #ffffff; background: #003574; border-color: #003574; border-radius: 10px 0px; } .jss170:hover, .jss170:focus { background: #004C9A; border-color: #004C9A; } .jss171 { color: #000000; padding: 11px 13px; background: #ffffff; min-height: 40px; line-height: 1; border-color: #003574; border-radius: 10px 10px; } .jss171:hover, .jss171:focus { color: #ffffff; background: #004C9A; border-color: #004C9A; } .jss172 { color: #ffffff; background: #DB912C; border-color: #DB912C; border-radius: 10px 0px; } .jss172:hover, .jss172:focus { background: #CC7A09; border-color: #CC7A09; } .jss173 { color: #000000; background: #ffffff; border-color: #E5E5E5; border-radius: 10px 10px; } .jss173:hover, .jss173:focus { background: #F9F9F9; border-color: #E5E5E5; } .jss174 { color: #000000; padding: 11px 13px; 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min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss177:hover, .jss177:focus { color: #004C9A; } .jss177 .jss181 { transform: translateY(3px); } .jss178 { color: #636363; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss178:hover, .jss178:focus { color: #003574; } .jss178 .jss181 { transform: translateY(3px); } .jss179 { color: #000000; padding: 11px 13px; background: #F9F9F9; min-height: 40px; line-height: 1; border-color: #2E7D49; border-radius: 10px 10px; } .jss179:hover, .jss179:focus { color: #ffffff; background: #2E7D49; border-color: #2E7D49; } .jss180 { width: 100%; display: inline-flex; } .jss181 { height: 20px; display: inline-block; margin-left: 12px; } .jss1 { top: auto; left: -999px; width: 1px; height: 1px; position: absolute; } .jss1:focus { top: 0; left: 0; color: #fff; width: auto; height: auto; margin: auto; display: inline-block; outline: none; padding: 3px; z-index: 1040; position: absolute; font-size: 12px; background: #004C9A; border-bottom-right-radius: 4px; } .jss208 .MuiPaper-root { max-width: 810px; min-width: 600px; } .jss208 .MuiDialogContent-root { padding: 0 95px 48px 105px; min-width: 390px; } @media (max-width:1023.95px) { .jss208 .MuiDialogContent-root { padding: 0 30px 48px 30px; min-width: unset; } } @media (max-width:639.95px) { .jss208 .MuiDialogContent-root { padding: 0 16px 48px 16px; min-width: unset; } } @media (max-width:1023.95px) { .jss208 .MuiPaper-root { width: 100%; max-width: 100%; min-width: unset; } } .jss209 .MuiDialogContent-root { padding: 0 95px 118px 105px; } .jss209 .MuiDialogContent-root::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0 108px 0; background-color: #E5E5E5; } @media (max-width:1023.95px) { .jss209 .MuiDialogContent-root { padding: 0 30px 118px 30px; } } @media (max-width:639.95px) { .jss209 .MuiDialogContent-root { padding: 0 16px 118px 16px; } } .jss210 h2 { margin: -10px 0 0 0 !important; font-size: 24px; line-height: 32px; } @media (max-width:1023.95px) { .jss211 { margin-top: 16px; } } .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 16px 0; font-size: 20px; font-weight: 400; line-height: 24px; } .jss211 h1 { margin: 0 0 12px 0; font-size: 24px; margin-top: 16px !important; font-weight: 400; line-height: 32px; } .jss211 p { margin-top: 0px; font-weight: 300; line-height: 24px; margin-bottom: 8px; } .jss211 span { line-height: 1; } .jss211 ul { margin-bottom: 24px; } .jss211 a { font-weight: 400; } .jss211 ul[style="list-style-type: checks;"] { padding-left: 26px; } .jss211 ol { margin-top: 17px; padding-left: 2px; } .jss211 img { margin-top: 8px; } .jss211 li { font-weight: 300; } .jss211 ol li { line-height: 24px; padding-bottom: 8px; } @media (max-width:1023.95px) { .jss211 ol li { line-height: 20px; } } .jss211 ol li ol { padding-left: 1px; } .jss211 ol li li { padding-bottom: 8px; } .jss211 ul[style="list-style-type: checks;"] li { line-height: 20px; padding-top: 2px; margin-bottom: 21px; } .jss211 ul[style="list-style-type: checks;"] li strong { display: inline-block; margin-bottom: 6px; } @media (max-width:1023.95px) { .jss211 ul { margin-top: 13px; line-height: 20px; } } .jss211 ul li { padding-bottom: 6px; } .jss211 ul ul li { line-height: 23.8px; } @media (max-width:1023.95px) { .jss211 p { line-height: 20px; margin-bottom: 0px; } } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 40px !important; } @media (max-width:1023.95px) { .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 13px 0; font-size: 18px; line-height: 24px; } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 16px !important; } } .jss212 { gap: 30px; left: 0; width: 100%; bottom: 0; height: 96px; display: flex; opacity: 1; padding: 0 16px; position: absolute; background: #ffffff; border-top: solid 1px #E5E5E5; box-shadow: 0px -3px 6px #81818114; align-items: center; justify-content: center; } .jss212 button, .jss212 a { width: auto; height: 48px; display: block; padding: 14px 15px; overflow: hidden; min-width: 100px; text-align: center; line-height: 20px; white-space: nowrap; padding-left: 16px; text-overflow: ellipsis; } @media (max-width:1023.95px) { .jss212 { gap: 16px; height: 80px; } .jss212 button, .jss212 a { width: 100%; max-width: 288px; min-width: unset; } } @media (max-width:639.95px) { .jss212 button, .jss212 a { max-width: unset; } } @media (min-width:640px) { .jss253 { width: 100%; display: inline-block; min-height: 28px; } } @media (min-width:1280px) { .jss253 { padding: 2px 0; } } .jss254 { font-size: 14px; white-space: normal; } @media (max-width:1023.95px) { .jss254 { line-height: 12px; } } @media (min-width:1280px) { .jss254 { margin: 0; font-size: 16px; } } .jss272 { margin: 0 17px; display: inline-block; max-width: 128px; max-height: 56px; } @media (min-width:640px) { .jss272 { margin-top: -1px; margin-bottom: -1px; } } @media (min-width:1024px) { .jss272 { margin: 0; } } .jss272:first-of-type { margin-left: 0; } .jss272:last-of-type { margin-right: 0; } .jss272 img.no-next-image-classname { max-width: 128px; max-height: 56px; } .jss272 .next-image-classname img { min-width: unset !important; max-height: 56px !important; min-height: unset !important; } .jss268 { margin-top: 0; margin-bottom: 20px; } .jss268>p { font-size: 18px; text-align: center; line-height: 1.3333333333333333; } @media (min-width:1280px) { .jss268 { width: 261px; display: flex; margin-top: 0; align-items: center; margin-bottom: 0; } } .jss269 { margin: 0; font-size: 18px; line-height: 24px; } @media (max-width:639.95px) { .jss269 { text-align: center; } } .jss270 { color: inherit; text-decoration: none; } .jss271 { cursor: pointer; } @media (min-width:1280px) { .jss263 { display: flex; justify-content: flex-start; } } .jss264 { color: inherit; text-decoration: none; } .jss265 { cursor: pointer; } @media (min-width:1280px) { .jss266 { width: calc(100% - 261px); } } .jss267 { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; } .jss226 { width: 100%; display: flex; align-items: center; } .jss227 { width: 0; height: 1px; display: block; flex-grow: 0; flex-shrink: 0; background-color: transparent; } @media (min-width:1024px) { .jss227 { left: 0; width: 100%; z-index: 0; position: absolute; flex-grow: 1; flex-shrink: 1; background-color: #E5E5E5; } } .jss228 { flex: 0 0 1230px; border: 1px solid #E5E5E5; margin: 0; display: flex; padding: 24px 20px 60px; z-index: 1; max-width: 100%; min-height: 104px; align-items: center; border-radius: 16px; flex-direction: column; background-size: auto 55px; background-color: #fff; background-repeat: no-repeat; background-position: 50% bottom; } @media (min-width:640px) { .jss228 { padding: 0 30px 16px 100px; flex-wrap: wrap; flex-direction: row; background-size: 88px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } @media (min-width:1024px) { .jss228 { padding: 0 60px 0 102px; flex-wrap: nowrap; background-size: 102px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } .jss229 { font-size: 14px; margin-top: 0; font-weight: 300; line-height: 20px; margin-bottom: 0; } .jss230 { color: #003574; border: 0; cursor: pointer; display: inline; padding: initial; font-size: 24px; min-width: auto; background: transparent; box-sizing: border-box; margin-top: 0; min-height: auto; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-left: -10px; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; justify-content: center; text-decoration: none; } .jss230::selection { background: transparent; } .jss230:disabled { color: #636363; pointer-events: none; } .jss230:hover, .jss230:focus { color: #004C9A; } .jss230 eng { transform: translateY(3px); } @media (min-width:640px) { .jss230 { margin-left: 0; } } .jss231 { width: 100%; padding: 0 0 16px 0; text-align: center; border-bottom: 1px solid #E5E5E5; margin-bottom: 5px; } @media (min-width:640px) { .jss231 { margin: 0 30px 0 30px; padding: 20px 0 10px 0; text-align: left; border-bottom: 1px solid #E5E5E5; } } @media (min-width:1024px) { .jss231 { width: auto; margin: 0; padding: 5px 60px 2px 30px; border-right: 1px solid #E5E5E5; border-bottom: none; } } @media (min-width:1280px) { .jss231 { flex-shrink: 0; } } .jss232 { color: #000; width: calc(100% - 14px); margin: 12px 8px 0 25px; display: flex; align-items: center; text-decoration: none; } @media (min-width:640px) { .jss232 { width: calc(50% - 60px); margin: 16px 0 0px 30px;; } } @media (min-width:1024px) { .jss232 { width: auto; margin: 16px 0 16px 45px; } } @media (min-width:1280px) { .jss232 { margin-left: 60px; } .jss232:nth-of-type(2) { padding-left: 10px; } } .jss232:hover { color: #003574; } .jss233 { width: 32px; height: 32px; flex-grow: 0; flex-shrink: 0; } @media (min-width:1024px) { .jss233 { width: 40px; height: 40px; } } .jss233 > img { max-width: 100%; max-height: 100%; } .jss233 .next-image-classname span { width: 32px !important; height: 32px !important; } @media (min-width:1024px) { .jss233 .next-image-classname span { width: 40px !important; height: 40px !important; } } .jss234 { font-size: 14px; transition: color 0.3s ease-in-out; line-height: 20px; margin-left: 16px; } @media (min-width:640px) { .jss234 { margin-left: 8px; } } @media (min-width:640px) { .jss256 { display: flex; justify-content: flex-end; } } .jss257 { color: inherit; display: block; text-decoration: none; } @media (min-width:640px) { .jss257 { width: 100%; max-width: 246px; } } @media (min-width:1024px) { .jss257 { max-width: 290px; } } .jss257 a { text-decoration: none; } .jss258 { color: #636363; margin: 0; font-size: 14px; font-weight: 500; line-height: 24px; margin-bottom: 15px; } .jss258:last-child { margin-bottom: 0; } .jss259 { color: #636363; margin: 0; font-size: 16px; font-weight: 500; line-height: 20px; } .jss259:hover { color: #003574; } .jss260 { color: #000; font-size: 14px; font-weight: 300; } .jss261 { padding: 8px 36px 8px 30px; background: #F9F9F9; margin-top: 4px; border-radius: 8px; } @media (min-width:1024px) { .jss261 { padding-top: 11px; } } .jss262 { width: 100%; } .jss262 thead td { font-size: 12px !important; font-weight: 300; } .jss262 thead td, .jss262 tbody td { font-size: 14px; line-height: 20px; padding-left: 0; padding-right: 1px; } .jss262 thead td:first-of-type, .jss262 tbody td:first-of-type { width: 20%; font-weight: 300; } .jss262 thead td:not(:first-of-type), .jss262 tbody td:not(:first-of-type) { width: 39%; text-align: right; } .jss222 { width: 100%; margin: 0 auto; display: flex; flex-wrap: wrap; max-width: 947px; } @media (min-width:1024px) { .jss222 { margin-top: 25px; } } .jss217 { margin-top: 5px; } .jss218 { margin-bottom: 20px; text-transform: none; } .jss219 { font-size: 20px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 15px; } @media (min-width:900px) { .jss219 { font-size: 32px; line-height: 1.25; } } .jss219 a { color: inherit; text-decoration: none; } .jss220 { font-size: 24px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss220 { font-size: 48px; line-height: 1.1666666666666667; } } .jss220 a { color: inherit; text-decoration: none; } .jss221 { margin-top: 0; margin-bottom: 0; } .jss213 { gap: 8px; margin: 0 1px; display: flex; margin-top: 21px; align-items: center; } @media (min-width:1280px) { .jss213 { height: 24px; } } @media (max-width:1023.95px) { .jss213 { display: none; } } .jss214 { color: #000000; overflow: hidden; font-size: 12px; max-width: 20%; transition: color 0.3s ease-in-out; font-weight: 300; line-height: 14px; white-space: nowrap; text-overflow: ellipsis; text-decoration: none; } .jss214:hover { color: #003574; } .jss215 svg { width: 23px; height: 23px; } .jss215 svg:hover path { fill: #003574; } .jss215 svg path { fill: #818181; stroke: none; transition: fill 0.3s ease-in-out; } .jss216 { color: #636363; } .jss216:hover { color: #636363; } .jss280 { display: flex; flex-wrap: wrap; align-items: center; } .jss281 { width: 40px; height: 40px; display: block; padding: calc((40px - 24px)/2); } .jss281 svg { fill: #B7B7B7; width: 24px; height: 24px; } .jss281:hover svg { fill: #939393; } .jss281:not(:last-of-type) { margin-right: 16px; } @media (min-width:1280px) { .jss281:not(:last-of-type) { margin-right: 8px; } } .jss189 { z-index: 3; position: relative; } .jss190 { max-width: 810px; } .jss191 { color: #636363; width: 285px; border: 1px solid #F2F2F2; height: 40px; outline: none; padding: 14px 72px 14px 14px; z-index: 4; position: relative; font-size: 16px; background: #F2F2F2; transition: border-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; caret-color: #003574; font-family: pkobp,Helvetica,Arial,sans-serif; border-radius: 8px; } .jss191::placeholder { color: #636363; font-size: 14px; font-weight: 400; } .jss191:hover { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } @media (max-width:1023.95px) { .jss191 { width: 100%; height: 48px; padding: 17px 36px 14px 47px; } } .jss192 { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } .jss193 { width: 100%; height: 48px; padding: 17px 96px 14px 16px; } .jss193::placeholder { font-size: 16px; } .jss194 { width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss194>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss194 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } } @media (min-width:1024px) { .jss194 { right: 0; margin-right: 48px; } } .jss195 { opacity: 0; } .jss196 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 72px; } .jss197 { top: 0; right: 47px; width: 24px; border: none; cursor: pointer; height: 24px; display: block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 24px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; border-right: solid 1px #E5E5E5; margin-bottom: calc((40px - 32px)/2); padding-right: 35px; } .jss197>svg { fill: #B7B7B7; width: 24px; height: 24px; } @media (max-width:1023.95px) { .jss197 { right: 0; margin-top: calc((48px - 24px)/2); border-right: unset; margin-right: 8px; padding-right: 28px; } } .jss197:hover>svg { fill: #003574; } .jss198 { opacity: 0; } .jss199 { right: 0; margin-top: calc((48px - 24px)/2); border-right: none; margin-right: 61px; } .jss200 { top: 0; fill: #003574; width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss200>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss200 { left: 0; margin-top: calc((48px - 32px)/2); margin-left: 8px; } } @media (min-width:1024px) { .jss200 { right: 0; margin-top: 5px; margin-right: 8px; } } .jss201 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } .jss202 { right: 0; width: 1px; height: 24px; content: ''; z-index: 4; position: absolute; margin-top: calc((48px - 24px)/2); border-left: 1px solid #E5E5E5; margin-right: 56px; } @keyframes jss204 { 0% { opacity: 0; } 100% { opacity: 1; } } @media (max-width:1023.95px) { .jss205 { margin-top: 22px; } } @media (min-width:1024px) { .jss205 { top: -8px; left: -8px; height: 0; display: flex; z-index: 0; overflow: hidden; position: absolute; animation: jss204 .5s cubic-bezier(0.4, 0, 0.2, 1); } } @media (min-width:1024px) { .jss206 { width: calc(100% + 8px + 8px); border: 1px solid #E5E5E5; height: auto; padding: 18px 8px; z-index: 2; max-width: calc(810px + 8px + 8px); background: #fff; box-shadow: 0px 16px 32px #00000029; max-height: calc(100vh - 100px); min-height: 100px; padding-top: 65px; border-radius: 12px; } } .jss207 { width: 100%; overflow: auto; max-height: 100%; } .jss207::-webkit-scrollbar { width: 3px; cursor: grab; } .jss207::-webkit-scrollbar-track { border: 1px solid white; background-color: #E5E5E5; } .jss207::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss207::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss207::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss24 { display: block; } .jss24 .logo__dontdisplay { display: none !important; } @media (max-width:1023.95px) { .jss24 { width: 100px; height: 48px; } .menu__forCompanies .jss24 { width: 88px; height: 38px; } } @media (min-width:1024px) { .jss24 { width: 64px; height: 79px; } .menu__forCompanies .jss24 { width: 124px; height: 54px; } } .jss24 img.no-next-image-classname { max-width: 100%; max-height: 100%; } @media (max-width:1023.95px) { .jss24 * { height: 100% !important; } } .menu__scrolled .jss25 { width: 120px; height: 48px; } .menu__scrolled .jss25 .next-image-classname { max-height: 100%; } .menu__scrolled .jss25 .next-image-classname>span { width: 120px !important; height: 48px !important; } .jss50 { color: #000000; cursor: pointer; display: flex; padding: 0 1px; align-items: center; line-height: 1; text-decoration: none; } @media (max-width:1023.95px) { .jss50 { height: 48px; } } @media (min-width:1024px) { .jss50 { height: 40px; margin-right: -10px; border-radius: 10px; padding-right: 10px; } .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 42px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 16px; } } } .jss50:hover { color: #003574; } .jss50>svg { transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; } @media (max-width:1023.95px) { .jss50>svg { width: 48px; height: 48px; } } @media (min-width:1024px) { .jss50>svg { width: 32px; height: 32px; } } @media (max-width:1023.95px) { .jss51 { margin-left: 7px; } } @media (min-width:1024px) { .jss51 { margin-left: 20px; } } .jss52 { font-size: 14px; margin-top: 4px; line-height: 1; margin-left: 7px; } .menu__forCompanies:not(.menu__scrolled) .jss52 { margin-left: 6px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss52 { display: none; } } .jss110 { overflow: auto; } @media (max-width:1023.95px) { .jss110 { max-height: calc(100vh - 60px - 48px); } } @media (min-width:1024px) { .jss110 { left: 0; width: 100%; position: absolute; max-height: calc(100vh - 136px + 24px); } } @media (min-width:1024px) { .jss111 { max-height: calc(100vh - 64px + 15px); } } @media (max-width:1023.95px) { .jss112 { padding-bottom: 16px; } .jss112>div { padding: 0; } .jss112>div>div { padding: 0; } } @media (min-width:1024px) { .jss112 { background: #fff; border-bottom: 1px solid #E5E5E5; padding-bottom: 32px; } } @media (max-width:1023.95px) { .jss113 { max-width: 100%; } } .jss114 { padding-left: 0; } @media (max-width:1023.95px) { .jss114 { margin: 0; max-width: 100%; } } @media (min-width:1280px) { .jss114 { padding-top: 30px; } } .jss102>ul { margin: 0; padding: 0; } .jss103 { top: 4px; width: 24px; border: none; cursor: pointer; height: 16px; display: inline-flex; padding: 0; position: relative; background: transparent; align-items: center; margin-left: 4px; justify-content: center; } .jss103::after { display: none !important; } .jss104 { display: inline-block; } .jss104:not(:first-of-type) { margin-left: 40px; } .jss104>.menu-position-item { color: inherit; cursor: pointer; display: inline-block; z-index: 2; position: relative; font-size: 18px; line-height: 24px; text-decoration: none; } .jss104>.menu-position-item span { position: relative; } .jss104>.menu-position-item span::after { left: 51%; right: 51%; height: 4px; content: ""; display: block; opacity: 0; outline: none !important; position: absolute; transform: skew(0) translate3d(0, 0, 0); background: #003574; margin-top: calc((40px / 2) - (4px / 2) + 1px); border-radius: 20px 0; -moz-transform: skew(0) translate3d(0, 0, 0); transition-delay: 0.2s; -webkit-transform: skew(0) translate3d(0, 0, 0); transition-duration: 0.2s; transition-property: left, right, opacity, transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity, transform; -webkit-transition-timing-function: ease-out; } .jss104 .dropdownLayer { opacity: 0; z-index: -1; box-shadow: 0 16px 16px #00000014; visibility: hidden; padding-top: 24px; transition-delay: 0.2s; transition-duration: 0.2s; transition-property: opacity, visibility; -webkit-transition-delay: 0.2s; transition-timing-function: ease-in-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: opacity, visibility; -webkit-transition-timing-function: ease-in-out; } .jss104:hover { color: #003574; } .jss104:hover>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss104:hover>.menu-position-item:focus span::after { outline: none !important; } .menu__forCompanies:not(.menu__scrolled) .jss104>.menu-position-item span::after { margin-top: 28px; } .jss104>.menu-position-item:focus-visible span { line-height: 1.25; } @media (min-width:1024px) and (max-width:1080.95px) { .jss104:not(:first-of-type) { margin-left: 24px; } } .jss105 { color: #003574; } .jss105>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss106 .dropdownLayer { opacity: 1; visibility: visible; } .jss106 .jss103 svg { transform: rotate(180deg); } .jss106>.menu-position-item::after { right: 27px; } .jss107:not(:first-of-type) { margin-left: 32px; } .jss107>.menu-position-item { font-size: 16px; } .jss107 .dropdownLayer { margin-top: 2px; padding-top: 15px; } .jss107 .jss103 { margin-left: 4px; } .jss107>.menu-position-item span::after { margin-top: 14px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss107:not(:first-of-type) { margin-left: 16px; } } .jss108 .jss103 svg { transition-delay: 0.2s; transition-duration: 0.2s; transition-property: transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: transform; -webkit-transition-timing-function: ease-out; } .jss109>.menu-position-item { color: #2E7D49; } .jss109:hover>.menu-position-item { color: #003574; } body { padding-bottom: 73px; } .jss81 { left: 0; width: 100%; bottom: 0; z-index: 1023; position: fixed; background: #fff; border-top: 1px solid #D5D5D5; box-shadow: 0px 0px 12px #00000029; } .workspaceMode .jss81 { bottom: initial; z-index: 0; position: relative; } .withPinnedPOI .jss81 { visibility: hidden; } .jss82 { margin: 0; padding: 0 5px; } .jss83 { display: flex; justify-content: space-around; } .jss84 { color: inherit; width: 70px; display: flex; padding: 1px; position: relative; font-size: 12px; text-align: center; align-items: center; line-height: 1; margin-bottom: 4px; flex-direction: column; text-decoration: none; } .jss84 span { word-break: break-word; } .jss84 svg { fill: #636363; } .jss84::after { left: 51%; right: 51%; width: 64%; height: 4px; content: ""; display: block; opacity: 0; position: absolute; transform: skew(-15deg); background: #003574; margin-top: -3px; border-radius: 20px 0; -moz-transform: skew(-15deg); -webkit-transform: skew(-15deg); transition-duration: 0.2s; transition-property: left, right, opacity; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity; -webkit-transition-timing-function: ease-out; } .jss84:hover { color: #003574; } .jss84:hover svg { fill: #003574; } .jss84:hover::after { left: 17%; right: unset; opacity: 1; } .jss84 svg * { fill: inherit !important; stroke: inherit !important; } .jss85 { color: #003574 !important; } .jss85 svg { fill: #003574 !important; } .jss85::after { left: 17%; right: unset; opacity: 1; } .jss86 { color: #2E7D49; } .jss86 svg { fill: #2E7D49; } .jss87 { width: 32px; height: 32px; overflow: hidden; margin-top: 4px; margin-bottom: 6px; } .jss87 img { max-width: 100%; } .jss87 svg { width: 32px; height: 32px; max-width: 100%; } .jss188 { position: relative; } .jss26 { border: none; height: 48px; margin: 0; display: inline-block; padding: 0; background: none; } .jss26 svg { fill: #003574; } .jss27 { margin-top: -5px; } @media (max-width:1023.95px) { .jss28 .MuiPaper-root { width: 100%; } } .jss15 { color: #000000; padding: 0; font-size: 14px; font-family: pkobp,Helvetica,Arial,sans-serif; letter-spacing: 0; text-transform: none; } .jss15:focus-visible { outline: solid 2px #000000; } .jss15 svg { fill: #003574; margin-left: 2px; } @media (min-width:1280px) { .jss15:hover { color: #003574; background-color: transparent; } } @media (max-width:1279.95px) { .jss16 { border: none; background-color: #00000066; } } .jss17 { border: 1px solid #D5D5D5; padding: 16px 16px 8px 16px; box-shadow: 0px 10px 16px #00000029; border-radius: 10px; } @media (max-width:1279.95px) { .jss17 { top: initial !important; left: 0 !important; right: 0 !important; width: 100%; bottom: 0; padding: 16px; max-width: 100% !important; max-height: fit-content !important; border-bottom-left-radius: 0; border-bottom-right-radius: 0; } .jss17>ul { max-height: calc(48px * 6); } } @media (min-width:1280px) { .jss17 { transform: translate(-24px,-45px); } } .jss17>ul { padding: 0; } @media (min-width:1280px) { .jss18 { transform: translate(-22px, -6px); } } @media (max-width:1279.95px) { .jss19 { box-shadow: inset 0 -15px 15px -15px #D5D5D5; } } .jss20 .jss21 { padding: 13px 11px; } @media (min-width:1280px) { .jss20 .jss21 { padding: 5px 7px 6px 7px; } } .jss21 { color: #000000; padding: 13px 8px; font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; border-radius: 8px; } .jss21:hover { background-color: #F2F2F2; } @media (min-width:1280px) { .jss21 { margin: 1px 0; padding: 5px 7px 6px 7px; font-size: 14px; border-radius: 4px; } } .jss22 { font-weight: bold; background-color: #F2F2F2 !important; } .jss23 > nav > button > svg { margin-left: -2px; } .jss10 { line-height: 1; margin-left: 1px; } @media (max-width:1023.95px) { .jss10 { display: flex; justify-self: end; justify-content: flex-end; } } @media (max-width:1023.95px) { .jss11 { height: 40px; padding: 0 16px; align-items: center; } } .jss12 { color: inherit; padding: 1px; font-size: 14px; text-decoration: none; } @media (max-width:1023.95px) { .jss12 { width: 50%; display: inline-block; padding: 13px; text-align: center; border-top-left-radius: 8px; border-top-right-radius: 8px; } .jss12:hover { background: #fff; } } @media (min-width:1024px) { .jss12 { line-height: 24px; } .jss12:not(:first-of-type) { margin-left: 48px; } .jss12:hover { color: #636363; } } @media (max-width:1023.95px) { .jss13 { background: #fff; } } @media (min-width:1024px) { .jss13 { color: #636363; } } .jss14 { color: #000; width: auto; display: flex; align-items: center; line-height: 20px; justify-content: start; } @media (max-width:1023.95px) { .jss14 { padding: 9px 17px; } } .jss14 > svg { margin-left: 2px; } .jss14:hover { color: inherit; } .jss88 { background: #fff; transition: box-shadow .2s ease-in-out; border-bottom: 1px solid #E5E5E5; } .jss88.menu__scrolled { box-shadow: 0px 3px 40px #0000001F; border-bottom: 1px solid #D5D5D5; } .jss88.menu_withoutShadow { box-shadow: none; } @media (max-width:1023.95px) { .jss88 { display: none; } } .jss89 { margin: auto; display: flex; max-width: 1230px; padding-top: 20px; justify-content: space-between; } @media (max-width:1259.95px) { .jss89 { padding-left: 15px; padding-right: 15px; } } .menu__scrolled .jss89 { max-height: 64px; padding-top: 0; } .jss90 { display: flex; justify-content: space-between; } .jss91 { margin-top: 9px; margin-right: 72px; margin-bottom: 27px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss91 { margin-right: 32px; } } .menu__forCompanies .jss91 { margin-top: 0px; margin-right: 56px; margin-bottom: 21px; } .menu__scrolled .jss91 { margin-top: 8px; margin-right: 64px; margin-bottom: 8px; } @media (max-width:1149.95px) { .menu__scrolled .jss91 { margin-right: 24px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__scrolled .jss91 { margin-right: 16px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__forCompanies .jss91 { margin-right: 32px; } } .jss93 { height: 24px; margin: 10px 0; } .jss94 { margin-top: 36px; } .menu__forCompanies .jss94 { margin-top: 22px; } .menu__scrolled .jss94 { margin-top: 24px; } .jss96 { display: flex; position: relative; align-items: center; margin-bottom: 20px; } .jss97 { width: 100%; justify-content: flex-end; } .jss98 { right: 100%; position: absolute; margin-right: 29px; } .jss99 { height: 40px; margin: 0; padding: 14px 25px 12px 26px; font-size: 14px; min-width: unset; min-height: unset; margin-left: 45px; } .jss99:focus { background: #CC7A09; } .jss100 { margin: 12px 0; display: flex; justify-content: flex-end; } .menu__forCompanies:not(.menu__scrolled) .jss100 { margin-top: 11px; } .jss101 { display: flex; align-items: center; } @media (min-width:1024px) { .jss2 { display: none; } } .jss4 { background: #F2F2F2; padding-top: 1px; } .jss5 { display: flex; align-items: center; padding-right: 16px; justify-content: space-between; } .jss6 { background: #F2F2F2; border-bottom: 1px solid #E5E5E5; } .jss7 { display: flex; } .jss8 { display: flex; padding: 8px 7px 8px 16px; background: #fff; justify-content: space-between; } .jss9 { border-top-left-radius: 16px; border-top-right-radius: 16px; } @media (min-width:1280px) { .jss273 { display: flex; flex-wrap: nowrap; align-items: center; justify-content: flex-end; } } .jss274 { width: 100%; display: flex; margin-bottom: 28px; justify-content: center; } @media (min-width:640px) { .jss274 { margin-bottom: 22px; } } @media (min-width:1280px) { .jss274 { order: 2; width: auto; min-width: 330px; margin-bottom: 0; justify-content: end; } } .jss275 { width: 100%; display: flex; } @media (min-width:640px) { .jss275 { text-align: center; justify-content: center; } } @media (max-width:639.95px) { .jss275 { flex-direction: column-reverse; } } @media (min-width:1280px) { .jss275 { order: 1; margin-top: 0; text-align: left; justify-content: flex-start; } } .jss276 { color: #636363; margin: 0; display: inline; font-size: 14px; font-weight: 400; } @media (max-width:639.95px) { .jss276 { display: block; text-align: center; } .jss276:nth-of-type(1) { margin-top: 12px; } } @media (min-width:640px) { .jss276:nth-of-type(2) { margin-left: 48px; } } .jss276:nth-of-type(2) a { color: #636363; text-decoration: unset; } .jss276:nth-of-type(2):hover { color: #003574; } .jss276:nth-of-type(2) a:hover { color: #003574; } .jss277 { display: flex; margin-bottom: 32px; justify-content: center; } @media (min-width:1280px) { .jss277 { order: 3; margin-left: 48px; margin-bottom: 0; } } .jss278 { width: 100%; display: flex; margin-top: 30px; justify-content: center; } @media (min-width:640px) { .jss278 { margin-top: 26px; } } @media (min-width:1280px) { .jss278 { order: 3; width: auto; margin-top: 0; margin-left: 48px; margin-bottom: 0; } } .jss279 { width: fit-content; border: 1px solid #D5D5D5; height: 40px; margin: 0; display: flex; padding: 8px 20px 8px 12px; font-size: 14px; min-width: 118px; transition: background-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; border-radius: 8px; } .jss279>svg { margin-top: -2px; margin-right: 8px; } .jss279:hover { color: #000; background: #F9F9F9; } .jss124 { color: inherit; border: 1px solid #E5E5E5; display: block; padding: 20px; box-shadow: 0px 3px 12px transparent; transition: box-shadow 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; border-radius: 8px; text-decoration: none; } @media (min-width:1024px) { .jss124 { padding: 26px 20px; border-radius: 12px; } } @media (min-width:1024px) { .jss125:hover { box-shadow: 0px 3px 12px #00000029; border-color: #D5D5D5; } } .jss126:hover { box-shadow: none; } .jss126::before { border-color: transparent !important; } .jss127::before { border-color: transparent !important; } .jss128 { color: #fff; background: #003574; border-color: #003574; } .jss128:hover { box-shadow: none; } .jss129 { color: #fff; background: #3074D5; border-color: #3074D5; } .jss129:hover { box-shadow: none; } .jss130 { background: #F2F2F2; border-color: #F2F2F2; } .jss130:hover { box-shadow: none; } .jss131 { color: #fff; background: #DB912C; border-color: #DB912C; } .jss131:hover { box-shadow: none; } .jss132 { border-color: #003574; } .jss132:hover { border-color: #003574; } .jss133 { border-color: #CA171D; } .jss133:hover { border-color: #CA171D; } .jss134 { border-color: #DB912C; } .jss134:hover { border-color: #DB912C; } .jss135 { border-color: #2E7D49; } .jss135:hover { border-color: #2E7D49; } .jss136 { position: relative; } .jss136::before { width: 0; height: 0; content: ""; display: block; position: absolute; border-color: inherit; border-style: solid; } .jss137::before { top: 50%; left: 0; transform: translate(-8px, -50%); border-width: 7.5px 8px 7.5px 0; border-top-color: transparent; border-left-color: transparent; border-bottom-color: transparent; } .jss138::before { top: 50%; right: 0; transform: translate(8px, -50%); border-width: 7.5px 0 7.5px 8px; border-top-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss139::before { top: 0; left: 50%; transform: translate( -50%, -8px); border-width: 0 7.5px 8px 7.5px; border-top-color: transparent; border-left-color: transparent; border-right-color: transparent; } .jss140::before { left: 50%; bottom: 0; transform: translate(-50%, 8px); border-width: 8px 7.5px 0 7.5px; border-left-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss141 { width: 100%; cursor: pointer; background: none; text-align: left; } .jss53 .MuiPaper-root { max-width: 1020px; } .jss54 { margin-top: -10px; } .jss54>p { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss54>p { font-size: 24px; line-height: 1.3333333333333333; } } .jss54>p a { color: inherit; text-decoration: none; } @media (max-width:639.95px) { .jss55 { padding: 20px 16px; margin-right: 0; } } .jss56 { margin-top: 8px; } @media (min-width:640px) { .jss56 { margin-top: 0; } } @media (min-width:1024px) { .jss56 { width: 100%; padding: 0 85px 0 80px; margin-top: -10px; } } @media (min-width:1024px) { .jss57 { margin-top: -20px; } } @media (min-width:640px) { .jss57 .jss61 { padding-bottom: 5px; } } @media (min-width:640px) { .jss57 .jss69 { margin-top: 34px; margin-bottom: 40px; } } .jss58 { margin-bottom: 20px; } @media (min-width:1024px) { .jss58 { margin-bottom: 16px; } } .jss59 { padding: 19px; } @media (min-width:640px) { .jss59 { height: 100%; display: flex; padding: 24px 20px; } } @media (max-width:639.95px) { .jss60 { margin-top: 16px; } } .jss61 { display: flex; justify-content: space-between; } @media (max-width:639.95px) { .jss61 { align-items: center; } } @media (min-width:640px) { .jss61 { flex-direction: column; } } .jss62 { width: 120px; height: 24px; } @media (min-width:1024px) { .jss62 { width: 160px; height: 32px; } } .jss63 { background: url(/_next/static/media/ipko.afafa3ee.svg) no-repeat; background-size: 50%; background-position-y: 50%; } .jss64 { background: url(/_next/static/media/ipkobiznes.7256b9c3.svg) no-repeat; background-size: 95%; } .jss65 { margin-top: 19px; line-height: 18px; margin-bottom: 19px; } .jss66 { font-size: 14px; font-weight: 300; line-height: 20px; } .jss67 { color: #003574; text-decoration: none; } @media (min-width:640px) { .jss67 { margin-left: 5px; } } .jss68 { margin: 0; font-size: 16px; } .jss69 { margin-top: 36px; margin-bottom: 84px; } @media (min-width:640px) { .jss69 { margin-top: 42px; margin-bottom: 40px; } } .jss70 { gap: 16px; display: flex; flex-wrap: wrap; margin-top: 20px; align-items: center; } @media (min-width:640px) { .jss70 { gap: 20px; margin-top: 17px; } } .jss71 { width: calc(50% - 8px); height: 56px; } @media (min-width:640px) { .jss71 { width: calc(20% - 16px); height: 80px; } } .jss72 { height: 100%; display: flex; padding: 1px; align-items: center; padding-top: 4px; border-radius: 8px; justify-content: center; } .jss72 div { text-align: center !important; } .jss72 img { max-width: 100%; transform: scale(0.7); max-height: 100%; } .jss72 .next-image-classname span { width: 132px !important; height: 52px !important; } @media (min-width:640px) { .jss72 .next-image-classname span { width: 142px !important; height: 76px !important; } } .jss73 { transform: translateY(-40px); margin-top: 90px; transition: transform 300ms ease 0ms; } @media (min-width:640px) { .jss73 { margin-top: 84px; } } .jss74 { font-size: 16px; } @media (min-width:1024px) { .jss74 { font-size: 18px; } } .jss115 { list-style-type: none; } @media (max-width:1279.95px) { .jss116.jss116 { border: none; height: 100%; padding: 16px; min-height: 92px; border-bottom: 1px solid #E5E5E5; border-radius: 0; } } @media (min-width:1280px) { .jss116.jss116 { height: 132px; display: flex; padding: 32px 20px; align-items: center; justify-content: flex-start; } } @media (max-width:1023.95px) { .jss116.jss116 { padding: 12px 0 11px 0; min-height: unset; } } .jss117 { display: flex; align-items: center; justify-content: space-between; } @media (min-width:1280px) { .jss118 { padding-left: 26px; } } .jss119 { display: flex; align-items: center; } .jss120 { width: 48px; height: 48px; flex-shrink: 0; margin-right: 16px; } .jss120 .no-next-image-classname { width: 100%; height: 100%; } .jss121 { color: #000000; margin: 0; font-size: 18px; line-height: 1; } @media (max-width:1023.95px) { .jss121 { font-size: 16px; } } @media (min-width:1280px) { .jss121 { display: flex; align-items: center; line-height: 1.33; justify-content: flex-start; } .jss121 svg { margin-left: 8px; } } .jss122 { color: #000000; line-height: 20px; margin-bottom: 0; } @media (max-width:1279.95px) { .jss122 { margin-top: 6px; } } @media (min-width:1280px) { .jss122 { margin-top: 4px; } } .jss123 { max-height: 24px; margin-left: 6px; margin-right: -3px; } @media (max-width:1279.95px) { .jss123 svg { fill: #003574; transform: rotate(-90deg); } } @media 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css-0"><div class="jss3 MuiBox-root css-0" data-cy="MenuMobile" id="nav-full-ba3ef72c27ba-men-33039"><div class="jss4 MuiBox-root css-0"><div class="jss10 jss11 MuiBox-root css-0" data-cy="Menu-MainPositions--positions-select"><nav class="MuiBox-root css-0" role="navigation" aria-label="Menu główne, pozycje główne"><button class="MuiButtonBase-root MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium jss15 css-gffgv3" tabindex="0" type="button" aria-controls="button-menu-1bf78784-30bf-4065-a90a-9966810ec4bd" aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g 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d="M23.333-399A3.42,3.42,0,0,0,20-395.667a3.428,3.428,0,0,0,2.5,3.2v.962a1.667,1.667,0,0,0,1.667,1.667v-2.629a3.428,3.428,0,0,0,2.5-3.2A3.42,3.42,0,0,0,23.333-399Zm0,5a1.757,1.757,0,0,1-1.667-1.667,1.757,1.757,0,0,1,1.667-1.667A1.757,1.757,0,0,1,25-395.667,1.757,1.757,0,0,1,23.333-394Z" transform="translate(-11.667 414.833)" fill="#003574"></path></g></g></svg> </a></div></div></div></div><nav class="jss81 MuiBox-root css-0" role="navigation" aria-label="Nawigacja w menu głównym, pozycje podrzędne"><ul class="jss82 MuiBox-root css-0"><li class="jss83 MuiBox-root css-0"><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-start--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-0" href="https://www.pkobp.pl"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-1774 -767)"><g transform="translate(1478 -421)"><path data-name="Path 1284" d="M376,1268H350v-24H338v24H312v-32h-8l40-28.5,40,28.5h-8Zm-22-4h18v-32l-28-19.5L316,1232v32h18v-24h20Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(1774 767)" fill="inherit" opacity="0"></rect></g></svg></div><span>Start</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-0--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-df4e0f210f55" href="https://www.pkobp.pl/klient-indywidualny/oferta"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120 -765)"><g transform="translate(-96 1330)"><path data-name="Path 2144" d="M260-525h4a4,4,0,0,1,4-4,4,4,0,0,1,4,4h4a8,8,0,0,0-8-8A8,8,0,0,0,260-525Z" fill="inherit"></path><path data-name="Path 2145" d="M243.888-521A3.831,3.831,0,0,1,240-525a3.625,3.625,0,0,1,3.631-4c.085,0,.283-.006.369,0v-4a7.763,7.763,0,0,0-8,7.433c0,.151,0,.3,0,.454l0,30.233a10.077,10.077,0,0,0,10.116,9.844L296-485v-36ZM292-489H246.353A6.145,6.145,0,0,1,240-494.884v-23.14A7.266,7.266,0,0,0,243.888-517H292Z" fill="inherit"></path><path data-name="Path 2146" d="M280-505h-8v4h12S284-505,280-505Z" fill="inherit"></path><path data-name="Path 2147" d="M284-525v-20H266.828L252-530.172V-525h-4v-24h40v24Zm-32-20v9.172L261.172-545Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 765)" fill="inherit" opacity="0"></rect></g></svg></div><span>Oferta</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-1--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-c48705207c33" href="/[...*]"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 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d="M48-264a32,32,0,0,0-32,32,32,32,0,0,0,32,32,32,32,0,0,0,32-32A32,32,0,0,0,48-264Zm0,4a27.857,27.857,0,0,1,18.275,6.833l-5.718,5.718A19.81,19.81,0,0,0,48-252a19.811,19.811,0,0,0-12.518,4.518L29.764-253.2A27.851,27.851,0,0,1,48-260Zm9.834,40.526A15.844,15.844,0,0,1,48-216a15.836,15.836,0,0,1-9.793-3.442,16.015,16.015,0,0,1-2.824-2.834A15.85,15.85,0,0,1,32-232a15.836,15.836,0,0,1,3.475-9.833,16.01,16.01,0,0,1,2.841-2.816A15.841,15.841,0,0,1,48-248a15.843,15.843,0,0,1,9.725,3.384,16.105,16.105,0,0,1,2.834,2.822A15.842,15.842,0,0,1,64-232a15.842,15.842,0,0,1-3.352,9.685A16.066,16.066,0,0,1,57.834-219.474ZM20-232a27.85,27.85,0,0,1,6.928-18.379l5.713,5.712A19.816,19.816,0,0,0,28-232a19.816,19.816,0,0,0,4.551,12.557l-5.719,5.718A27.859,27.859,0,0,1,20-232Zm28,28a27.857,27.857,0,0,1-18.342-6.894l5.715-5.714A19.81,19.81,0,0,0,48-212a19.809,19.809,0,0,0,12.666-4.641l5.713,5.713A27.855,27.855,0,0,1,48-204Zm21.2-9.763-5.719-5.719A19.813,19.813,0,0,0,68-232a19.811,19.811,0,0,0-4.607-12.627l5.712-5.715A27.848,27.848,0,0,1,76-232,27.856,27.856,0,0,1,69.2-213.763Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 797)" fill="inherit" opacity="0"></rect></g></svg></div><span>Pomoc i kontakt</span></a><a class="jss84 jss86" data-cy="MenuNestedPositions--position-nested-mobile-3--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-1df48e40262a" href="https://www.pkobp.pl/klient-indywidualny/promocje"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-285 -765)"><g transform="translate(285 765)"><rect data-name="Rectangle 2049" width="96" height="96" fill="inherit" opacity="0"></rect><g data-name="Group 2681"><path data-name="Path 2716" d="M80.828,23.963,55.166,27.185,36.128,10.159,31.464,35.268,9.182,48.4l22.646,11.9,5.4,25.534L55.755,67.7,81.51,70.741,70.182,47.225ZM74.741,65.915,54.324,63.5,39.637,77.888,35.354,57.642,17.4,48.2,35.064,37.79l3.7-19.911,15.1,13.5L74.2,28.827,65.762,47.268Z" fill="inherit"></path></g></g></g></svg></div><span>Promocje</span></a></li></ul></nav></div><div class="jss88 MuiBox-root css-0" data-cy="MenuDesktop" id="nav-full-ba3ef72c27ba-men-33039"><div class="jss89 MuiBox-root css-0" style="transition-duration:.2s"><div class="jss90 MuiBox-root css-0"><div class="jss91 MuiBox-root css-0"><a class="jss24" data-cy="MenuLogo-link--link" id="nav-full-ba3ef72c27ba-men-33039-l-33044" href="/[...*]"><img src="/api/public/3c663fc2-a8dc-4cb9-ab55-9a4ee64b7c35.svg" class="no-next-image-classname" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/><img src="/api/public/63086f97-c7b3-436b-a060-a2947f8713f4.svg" class="no-next-image-classname logo__dontdisplay" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/></a></div><div class="jss92 MuiBox-root css-0"><div class="jss93 MuiBox-root css-0"><div class="jss10 jss11 MuiBox-root css-0" data-cy="Menu-MainPositions--positions-select"><nav class="MuiBox-root css-0" role="navigation" aria-label="Menu główne, pozycje główne"><button class="MuiButtonBase-root MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium jss15 css-gffgv3" tabindex="0" type="button" aria-controls="button-menu-65a76abf-f883-4f88-a025-e297c084eda3" aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></button></nav></div></div><div class="jss94 MuiBox-root css-0"><nav class="jss102 MuiBox-root css-0" role="navigation" aria-label="Pozycje drugiego rzędu w menu głównym" data-cy="MenuNestedPositions"><ul class="MuiBox-root css-0"><li class="jss104 jss108 MuiBox-root css-0" data-cy="MenuNestedPositions--position-0"><a href="#" class="menu-position-item" aria-expanded="false" data-cy="MenuNestedPositions--position-link" aria-label="Zwiń lub rozwiń podmenu dla Oferta"><span>Oferta</span><span class="jss103"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="3 3 18 18"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="18" height="18" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></span></a><div class="dropdownLayer jss110 MuiBox-root css-0" data-cy="MenuDropdownLayer"><nav class="jss112 MuiBox-root css-0" role="navigation" aria-label="Warstwa kafli trzeciego rzędu w menu"><section class="MuiBox-root css-j1fy4m"><div class="jss113 MuiBox-root css-1ndk1zt"><ul class="MuiGrid-root MuiGrid-container jss114 css-10qumm3"><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-0"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-0--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-31d6d9fc78e3" href="https://www.pkobp.pl/klient-indywidualny/konta"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 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id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-efcd969ce839" href="https://www.pkobp.pl/klient-indywidualny/aplikacja-iko-ipko/serwis-internetowy-ipko"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-1--label">Serwis internetowy iPKO</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 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data-cy="Headline-MenuDropdownTile-4--label">e-Urząd</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-5"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-5--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-847a7e350be4" 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data-cy="Button-Regulamin_strony_internetowej--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12729-l" href="https://www.pkobp.pl/regulacje-prawne/regulamin-strony-internetowej">Regulamin strony internetowej</a></div><div class="jss253 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss254" data-cy="Button-Polityka_Prywatności--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12726-l" href="https://www.pkobp.pl/regulacje-prawne/polityka-prywatnosci">Polityka Prywatności</a></div><div class="jss253 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss254" data-cy="Button-eDokumenty--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-36792-l" href="https://www.pkobp.pl/archiwalne-dokumenty/">eDokumenty</a></div><div class="jss253 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss254" data-cy="Button-Ukraina_/_Україна--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-38432-l" 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css-0"><table class="jss262" data-cy="Currencies-Kursy_walut--table" aria-describedby="currenciesTableTitle"><thead><tr><td> </td><td>Kupno</td><td>Sprzedaż</td></tr></thead><tbody><tr><td>CHF</td><td>4.4837</td><td>4.7611</td></tr><tr><td>USD</td><td>3.8858</td><td>4.2519</td></tr><tr><td>GBP</td><td>4.9475</td><td>5.4138</td></tr><tr><td>EUR</td><td>4.1111</td><td>4.4986</td></tr></tbody></table></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:0px" data-snippet="snippet"><div class="MuiBox-root css-6yavch" data-cy="Separator-Separator"><hr class="MuiDivider-root MuiDivider-fullWidth css-15vrnbb"/></div></div><div class="MuiBox-root css-0" style="padding-top:24px;padding-bottom:24px" data-snippet="snippet"><div class="jss263 MuiBox-root css-0" data-cy="Logotypes-Logotypy" id="g-ft-col-37de670174a2-logo-65446"><div class="jss268 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dopłatą wyniesie 1 426,76 zł, od 11. roku raty annuitetowe (równe) wyniosą po 1 630,69 zł i ostatnia rata wyniesie 1 442,25 zł. 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Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:19.801569+01:00"},{"name":"dd_RRSO-EPG-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 024,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 324,97 zł (w tym: prowizja 0,00 zł, odsetki 1 324,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-10-17T09:15:52.430597+02:00"},{"name":"dd_RRSO-KH-PKO-S","value":"9,08%","created":"2024-09-10T12:17:45.951977+02:00"},{"name":"[!RRSO-KKMP]","value":"20,74%","created":"2024-09-17T13:51:31.214455+02:00"},{"name":"dd_RRSO-EP-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 19,55%, całkowita kwota kredytu (bez kredytowanych kosztów) 29 900,00 zł, całkowita kwota do zapłaty 48 549,53 zł, oprocentowanie zmienne 17,99%, całkowity koszt kredytu 18 649,53 zł (w tym: prowizja 0,00 zł, odsetki 18 649,53 zł), 71 miesięczne raty równe po 681,78 zł i ostatnia rata: 143,15 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e\n\nUdzielenie pożyczki jest uzależnione od pozytywnej oceny zdolności kredytowej. Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.\u003cbr/\u003e\u003cbr/\u003e\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. \u003cbr/\u003e\u003cbr/\u003e","created":"2024-10-17T09:12:34.785606+02:00"},{"name":"dd_RRSO-KH-PR-PKO-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,08%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:18:21.026076+02:00"},{"name":"dd_RRSO-KHM-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:10:20.066295+02:00"},{"name":"dd_RRSO-KH-PR-PKO-Z","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,83%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.417320+01:00"},{"name":"dd_RRSO-KHM","value":"9,92%","created":"2024-02-16T00:01:20.420734+01:00"},{"name":"dd_RRSO-KKI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:08:47.798006+02:00"},{"name":"dd_RRSO-KKMP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:03.144224+02:00"},{"name":"dd_RRSO-KKP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:21.677647+02:00"},{"name":"dd_RRSO-LO-BO-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","created":"2023-10-05T10:11:53.011659+02:00"},{"name":"dd_RRSO-LO-KI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","created":"2023-10-05T10:07:29.549523+02:00"},{"name":"[!RRSO-BK]","value":"4,31%","created":"2024-01-26T10:35:54.387093+01:00"},{"name":"[!RRSO-EP]","value":"19,55%","created":"2024-10-17T09:13:57.315741+02:00"},{"name":"[!RRSO-EPG]","value":"11,57%","created":"2024-01-26T10:36:13.391600+01:00"},{"name":"[!RRSO-KMSR]","value":"9,24%","created":"2024-06-07T15:55:58.263074+02:00"},{"name":"[!RRSO-KH-BH-Z]","value":"8,81%","created":"2023-11-29T16:28:35.068841+01:00"},{"name":"dd_RRSO-PH","value":"11,62%","created":"2024-02-16T00:01:20.911785+01:00"},{"name":"[!RRSO-PGPROMO]","value":"16,43%","created":"2024-07-01T08:32:03.227153+02:00"},{"name":"dd_RRSO-PH-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi \u003cstrong\u003e11,62%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.910606+01:00"},{"name":"[!RRSO-KH-BH]","value":"9,84%","created":"2024-02-16T00:01:20.946700+01:00"},{"name":"[!RRSO-KH-PKO-Z]","value":"8,41%","created":"2023-11-28T10:34:37.016813+01:00"},{"name":"[!RRSO-KH-PKO]","value":"9,83%","created":"2024-02-16T00:01:21.339212+01:00"},{"name":"[!RRSO-KHM]","value":"9,92%","created":"2024-02-16T00:01:21.031687+01:00"},{"name":"[!RRSO-PG]","value":"11,57%","created":"2024-01-26T10:37:38.808037+01:00"},{"name":"[!RRSO-PH]","value":"11,62%","created":"2024-02-16T00:01:21.413858+01:00"},{"name":"dd_RRSO-PG-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-10-29T11:43:20.563101+01:00"},{"name":"dd_RRSO-PK-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 12,56%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 39 812,55 zł, oprocentowanie zmienne 11,89%, całkowity koszt kredytu 13 112,55 zł (w tym: prowizja 0,00 zł, odsetki 13 112,55 zł), 85 miesięcznych rat równych po 462,75 zł i ostatnia rata: 478,80 zł. Kalkulacja została dokonana na dzień 18.11.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-11-29T08:31:02.434784+01:00"},{"name":"[!RRSO-PK]","value":"12,56%","created":"2024-11-29T08:39:17.873541+01:00"},{"name":"dd_RRSO-KMSR-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e8,90%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:11:31.364238+02:00"},{"name":"dd_RRSO-PH-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką \u003cstrong\u003e10,75%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:14:01.793362+02:00"},{"name":"dd_RRSO-KH-PR-BH-S","value":"\u003cstrong\u003e Rzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,10%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:16:33.315164+02:00"},{"name":"dd_RRSO-KHM-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. 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