Wiarygodność kredytowa konsumenta – najważniejsze informacje

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data-configuration="{"slotName":"right2","position":"1","floatingHeight":1100,"containerHeight":"MAX","enabled":true,"displayIndex":5}" ></aside> </div> </section> </aside> <section class="main"> <span data-article-start></span> <div class="article_header "> <div class="breadcrumbs" data-section="breadcrumbs"> <a class="breadcrumbs_elem" href="https://businessinsider.com.pl/">Business Insider</a> <a class="breadcrumbs_elem" href="https://businessinsider.com.pl/poradnik-finansowy">Poradnik finansowy</a> <a class="breadcrumbs_elem" href="https://businessinsider.com.pl/poradnik-finansowy/kredyty">Kredyty</a> <span class="breadcrumbs_elem">Wiarygodność kredytowa – czym jest i co o niej decyduje?</span> </div> <h1 class="article_title">Wiarygodność kredytowa – czym jest i co o niej decyduje?</h1> <div class="article-info_container"> <div class="article-author_container--top" data-section="author-top"> <div class="article-author_image_container"> </div> <div class="article-author_details"> <div class="article-author_text"> <strong>PBed</strong> </div> </div> <div class="article-article_date"> <time datetime="2024-09-20T06:30:00.000Z"> 20 września 2024, 8:30. </time> </div> <div class="article-read_time"> <span class="article-info_divider"></span> 4 min czytania </div> </div> <section class="article-share " data-section="article-share"> <span class="article-share_text"> Udostępnij artykuł </span> <div class="article-share_buttons"> <a class="article-share_button" data-section="detail-facebook-icon" aria-label="Facebook" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fbusinessinsider.com.pl%2Fporadnik-finansowy%2Fkredyty%2Fwiarygodnosc-kredytowa-konsumenta-najwazniejsze-informacje%2F35fq823&quote=Wiarygodno%C5%9B%C4%87%20kredytowa%20konsumenta%20%E2%80%93%20najwa%C5%BCniejsze%20informacje"> <svg class="article-share_button--svg" viewBox="0 0 28 28"> <use xlink:href="#ico-facebook"></use> </svg> </a> <a class="article-share_button" 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class="article-share_button" data-section="detail-mail-icon" aria-label="Send" href="mailto:?body=Wiarygodno%C5%9B%C4%87%20kredytowa%20konsumenta%20%E2%80%93%20najwa%C5%BCniejsze%20informacje%20https%3A%2F%2Fbusinessinsider.com.pl%2Fporadnik-finansowy%2Fkredyty%2Fwiarygodnosc-kredytowa-konsumenta-najwazniejsze-informacje%2F35fq823"> <svg class="article-share_button--svg" viewBox="0 0 28 28"> <use xlink:href="#ico-mail"></use> </svg> </a> </div> </section> </div> <div class="article_lead"> <p class="article_p" data-section="detail-body">Wiarygodność kredytowa to ocena zdolności i chęci osoby lub instytucji do spłaty zobowiązań finansowych w terminie. Jest to kluczowy czynnik, na podstawie którego banki, instytucje finansowe i inni kredytodawcy decydują, czy udzielić kredytu, pożyczki lub innego rodzaju finansowania. Wiarygodność kredytowa odzwierciedla prawdopodobieństwo, że kredytobiorca będzie w stanie i będzie skłonny spłacić swoje zobowiązania zgodnie z warunkami umowy kredytowej. Jest to także miara ryzyka dla kredytodawcy, wskazująca, czy udzielenie kredytu jest obarczone wysokim ryzykiem niespłacenia.</p> </div> <figure class="article_image"> <div class="teaser-image_container "> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Su-k9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0DmM0BzN4AAqEwBqExAQ, https://ocdn.eu/pulscms-transforms/1/xg-k9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0FZM0Cst4AAqEwBqExAQ 1.5x, https://ocdn.eu/pulscms-transforms/1/Xvbk9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0HMM0DmN4AAqEwBqExAQ 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/tblk9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0DmM0BzN4AAqEwBaExAQ, https://ocdn.eu/pulscms-transforms/1/5c3k9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0FZM0Cst4AAqEwBaExAQ 1.5x, https://ocdn.eu/pulscms-transforms/1/Vlgk9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0HMM0DmN4AAqEwBaExAQ 2x" type="image/webp"> <img class="article-image_container--img" width="920" height="460" fetchpriority="high" alt="Wiarygodność kredytowa odzwierciedla prawdopodobieństwo, że kredytobiorca będzie w stanie i będzie skłonny spłacić swoje zobowiązania zgodnie z warunkami umowy kredytowej." src="https://ocdn.eu/pulscms-transforms/1/BRIk9kpTURBXy8yMjkwZTA0Mzg3NzU0ZDQ3ZGJmYjViNjM2NGU1NzUxMi5qcGeSlQMAzPrNHxDNEXmTBc0EsM0CWN4AAaEwAQ"> </picture> </div> <figcaption class="article-image_caption"> Wiarygodność kredytowa odzwierciedla prawdopodobieństwo, że kredytobiorca będzie w stanie i będzie skłonny spłacić swoje zobowiązania zgodnie z warunkami umowy kredytowej. <span class="article-image_source"> <span class="article-copyright_separator">|</span> Foto: Red_Baron / Shutterstock </span> </figcaption> </figure> </div> </section> <section class="all-columns-wide "> <aside class=" collapsed" data-run-module="local/main.commercialBreak" data-configuration="{"slotName":"layer","querySelector":"body .main.whitelistPremium a, .see-also-popular a","blackList":[],"extraData":{"layer":{"lazy":"0"}},"enabled":true,"displayIndex":3}" ></aside> <aside class="placeholder screening wide floating" data-run-module="local/main.simpleAd" data-configuration="{"slotName":"top","enabled":true,"displayIndex":4}" ></aside> </section> <section class="main whitelistPremium " > <ul class="article_ul"> <li class="article_ul_li"><strong>Wiarygodność kredytowa ma kluczowe znaczenie pod kątem udzielenia kredytu, ponieważ w taki sposób instytucje określają rzetelność klientów w zakresie spłaty zobowiązań finansowych</strong></li> <li class="article_ul_li"><strong>Jest to także miara ryzyka dla kredytodawcy, wskazująca, czy udzielenie kredytu jest obarczone wysokim ryzykiem niespłacenia</strong></li> <li class="article_ul_li"><strong>Przy budowaniu wiarygodności kredytowej warto kupować różne produkty na raty</strong></li> <li class="article_ul_li"><a href="https://www.onet.pl/#utm_source=detal&utm_medium=referral&utm_campaign=back_to_onet_bullet"><strong>Więcej takich informacji znajdziesz na stronie głównej Onetu</strong></a></li> </ul> <p class="article_p" data-section="detail-body">Zarówno w przypadku osób prywatnych, jak i przedsiębiorstw przed zaciągnięciem <a href="https://businessinsider.com.pl/poradnik-finansowy/kalkulatory/kredyty-gotowkowe?utm_source=www.buinessinsider.com.pl&utm_medium=evergreeny" id="98d55b65-9b69-42ef-afca-ec3d49f9f3d2" title="kredyt gotówkowy" target="_blank">kredytu </a>ocenie podlega tzw. <strong>wiarygodność </strong><a href="https://businessinsider.com.pl/kredyt" id="527168ec-e320-438d-9aea-cfc4bfc8b8d0"><strong>kredytowa</strong></a>. Jej wskaźnik nierzadko decyduje o akceptacji lub odmowie udzielenia wsparcia. <strong>Przed podpisaniem umowy wszystkie banki proszą o dokumentację na temat fiskalnej historii konsumenta.</strong> Jeśli pojawią się liczne wątpliwości związane z uczciwością potencjalnego usługobiorcy, prawdopodobieństwo podpisania umowy drastycznie spada. Jednym z najważniejszych czynników jest historia kredytowa, która obejmuje wszystkie poprzednie <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/co-trzeba-zrobic-by-dostac-kredyt-konsolidacyjny/tfjq55q" id="a3f3ceab-6920-44b7-8d7b-0e80bad17e1d">kredyty,</a> pożyczki, karty kredytowe i inne zobowiązania finansowe. Regularne i terminowe spłaty wpływają pozytywnie na wiarygodność, podczas gdy opóźnienia, zaległości i niewywiązanie się z zobowiązań działają na jej niekorzyść.</p> <figure class="article_image"> <div class="teaser-image_container teaser-image_container--with-placeholder" style="padding-top: 55.760869565217384%"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/D_xk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNA5gA3gACoTAGoTEB, https://ocdn.eu/pulscms-transforms/1/rWhk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNBWQA3gACoTAGoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/Gmnk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNBzAA3gACoTAGoTEB 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Ws1k9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNA5gA3gACoTAFoTEB, https://ocdn.eu/pulscms-transforms/1/L9sk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNBWQA3gACoTAFoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/QIUk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNBzAA3gACoTAFoTEB 2x" type="image/webp"> <img loading="lazy" class="article-image_container--img" id="image_8ad24114-1b48-446b-b28e-b11d294bdc48" alt="" src="https://ocdn.eu/pulscms-transforms/1/zKhk9kpTURBXy9lZGY1OWMwY2VjOTYzZGQyMTE5YTBhNWMzMmRkN2FmOC5qcGeRkwLNA5gA3gACoTABoTEB"> </picture> </div> <figcaption class="article-image_caption"> <span class="article-image_source"> <span class="article-copyright_separator">|</span> <span>Kamil Zajaczkowski / Shutterstock</span> </span> </figcaption> </figure> <h2 class="article_heading"> Wiarygodność kredytowa – co to jest? </h2> <div id="content-premium-offer" class="contentPremiumOffer"></div> <div class="contentPremium" > <p class="article_p" data-section="detail-body">W największym skrócie <strong>wiarygodność</strong><a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/czym-jest-kredyt-odnawialny/8qsr390" id="333b8ece-9b7e-4605-8f6c-c2abd68d67d9"> kredytowa</a> określa rzetelność klientów w zakresie spłaty zobowiązań finansowych. Brana jest pod uwagę między innymi terminowość uregulowania wcześniejszych obciążeń, co dla każdego banku ma ogromne znaczenie. Instytucje w Polsce i za granicą nie zatwierdzą wniosku żadnego petenta, póki dokładnie nie przeanalizują ryzyka. Służy temu właśnie <strong>współczynnik wiarygodności kredytowej</strong> wraz ze zdolnością kredytową.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left","position":false,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <p class="article_p" data-section="detail-body">Budowa domu przez osoby prywatne i wdrażanie nowych inwestycji w firmach, a także inne kosztowne przedsięwzięcia niemal zawsze wiążą się z koniecznością zdobycia dodatkowego źródła finansowania. Istotną rolę odgrywa zatem odpowiednie <strong>budowanie swojej wiarygodności kredytowej</strong> w oczach pożyczkodawców. Dane na jej temat są przechowywane w oficjalnych serwerach organów państwowych, dlatego należy wystrzegać się spóźnień lub nieuczciwych praktyk w okresie zwracania jakichkolwiek długów.</p> <aside class="intext" data-configuration='{"extraData":{},"slotName":"flat-link1","position":false,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <p class="article_p" data-section="detail-body"><strong>Czytaj także: </strong><a href="https://businessinsider.com.pl/poradnik-finansowy/kredyt-hipoteczny-jak-wziac/vdtc4qm" id="113a3741-47bc-4ad1-85f3-ec196b0511f8"><strong>Jak wziąć kredyt hipoteczny?</strong></a></p> <div class="related_articles-container" data-section="related-articles"> <h2 class="related_articles-header"> Czytaj także w BUSINESS INSIDER </h2> <div class="related_articles-articles_list"> <a class="related_articles-article_element" href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/jak-zwiekszyc-szanse-na-otrzymanie-kredytu-hipotecznego/7erd5zc"> <div class="related_articles-article_box"> <div class="related_articles-article_title"> <div class="related_articles-label"> <span class="related_articles-category">Kredyty</span> </div> <h3 class="related_articles-article_title--header"> Niskie dochody a zakup mieszkania. Jak zwiększyć szanse na otrzymanie kredytu hipotecznego </h3> <div class="related_articles-article_info"> <time class="related_articles-article_date" datetime="2021-09-22T16:31:55.000Z"> 22.09.2021 </time> <span class="related_articles-date_separator">|</span> <span class="related_articles-article_author"> Ronald Szczepankiewicz, ekspert kredytowy Lendi </span> </div> </div> <div class="related_articles-article_image_container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/LsXk9kpTURBXy9iNTFmNGU0ZTMyYjU1YzhhMDgwMDM3ZmM0NTBlZTc5ZC5qcGeSlQMAFs0C1M0Bl5MFzHjMeN4AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/aeBk9kpTURBXy9iNTFmNGU0ZTMyYjU1YzhhMDgwMDM3ZmM0NTBlZTc5ZC5qcGeSlQMAFs0C1M0Bl5MFzHjMeN4AAqEwBaExAQ" type="image/webp"> <img class="related_articles-article_image teaserImage" loading="lazy" width="120" height="120" alt="Niskie dochody a zakup mieszkania. Jak zwiększyć szanse na otrzymanie kredytu hipotecznego" src="https://ocdn.eu/pulscms-transforms/1/WzHk9kpTURBXy9iNTFmNGU0ZTMyYjU1YzhhMDgwMDM3ZmM0NTBlZTc5ZC5qcGeSlQMAFs0C1M0Bl5MFzHjMeN4AAqEwAaExAQ"> </picture> </div> </div> </a> <span class="related_articles-separator"></span> <a class="related_articles-article_element" href="https://businessinsider.com.pl/poradnik-finansowy/oszczedzanie/co-to-jest-podatek-od-sprzedazy-mieszkania/d9kslvx"> <div class="related_articles-article_box"> <div class="related_articles-article_title"> <div class="related_articles-label"> <span class="related_articles-category">Oszczędzanie</span> </div> <h3 class="related_articles-article_title--header"> Podatek od sprzedaży mieszkania: ile wynosi, kto musi zapłacić, jak go uniknąć </h3> <div class="related_articles-article_info"> <time class="related_articles-article_date" datetime="2023-06-10T17:32:25.000Z"> 10.06.2023 </time> <span class="related_articles-date_separator">|</span> <span class="related_articles-article_author"> Business Insider Polska </span> </div> </div> <div class="related_articles-article_image_container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/nK6k9kpTURBXy8xOGUwZjRlYjNmNTBkOTZhMTRmMWQwOGE0OTgxMTIxNy5qcGeSlQMAzQEPzSHwzRMXkwXMeMx43gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/rOok9kpTURBXy8xOGUwZjRlYjNmNTBkOTZhMTRmMWQwOGE0OTgxMTIxNy5qcGeSlQMAzQEPzSHwzRMXkwXMeMx43gACoTAFoTEB" type="image/webp"> <img class="related_articles-article_image teaserImage" loading="lazy" width="120" height="120" alt="Podatek od sprzedaży mieszkania: ile wynosi, kto musi zapłacić, jak go uniknąć" src="https://ocdn.eu/pulscms-transforms/1/mgIk9kpTURBXy8xOGUwZjRlYjNmNTBkOTZhMTRmMWQwOGE0OTgxMTIxNy5qcGeSlQMAzQEPzSHwzRMXkwXMeMx43gACoTABoTEB"> </picture> </div> </div> </a> </div> </div> <h2 class="article_heading"> Zdolność i wiarygodność kredytowa – jakie są różnice? </h2> <p class="article_p" data-section="detail-body">Jeszcze przed rozwinięciem tematu warto rozwiać wątpliwości dotyczące różnicy między wiarygodnością kredytową a zdolnością kredytową. Wielu laików myśli, że te dwa pojęcia można stosować wymiennie, ale to nieprawda. Chociaż brzmią podobnie, oznaczają coś zupełnie innego. Za pomocą pierwszego współczynnika <strong>ocenia się historię konsumenta pod kątem terminowej spłaty zobowiązań finansowych</strong> zaciąganych we wszystkich instytucjach w trakcie całego życia.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left2","position":1,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <figure class="article_image"> <div class="teaser-image_container teaser-image_container--with-placeholder" style="padding-top: 66.63043478260869%"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/MP5k9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNA5gA3gACoTAGoTEB, https://ocdn.eu/pulscms-transforms/1/BHPk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNBWQA3gACoTAGoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/xOxk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNBzAA3gACoTAGoTEB 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/6TIk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNA5gA3gACoTAFoTEB, https://ocdn.eu/pulscms-transforms/1/qLVk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNBWQA3gACoTAFoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/xdBk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNBzAA3gACoTAFoTEB 2x" type="image/webp"> <img loading="lazy" class="article-image_container--img" id="image_9b0cb59e-5973-490e-a672-33c26891e265" alt="" src="https://ocdn.eu/pulscms-transforms/1/iPEk9kpTURBXy85MDIzMjM4ODMyYzA2YWVmY2RmM2I4NzA0MTFiNWZlZS5qcGeRkwLNA5gA3gACoTABoTEB"> </picture> </div> <figcaption class="article-image_caption"> <span class="article-image_source"> <span class="article-copyright_separator">|</span> <span>Andrzej Rostek / Shutterstock</span> </span> </figcaption> </figure> <p class="article_p" data-section="detail-body">Drugi wskaźnik wykorzystuje się natomiast do określenia tego, czy zainteresowanego w ogóle stać na pożyczkę w danej wysokości. Znaczenie ma w tym przypadku między innymi poziom dochodów, rodzaj zatrudnienia i liczba osób na utrzymaniu. <a href="https://businessinsider.com.pl/bank" id="3fc2927b-f925-486e-b35b-fcd4d2515d4d"><strong>Bank</strong></a> analizuje zatem aktualną sytuację petenta poprzez sprawdzenie aspektów, które najmocniej wpływają na jego wydatki, aby oszacować szansę zwrotu należności w perspektywie nadchodzących lat.</p> <aside data-configuration='{ "slotName": "flat-leadtekst2", "slotId": "flat-leadtekst2" }' data-run-module="local/main.simpleAd"></aside> <h2 class="article_heading"> Co wpływa na wiarygodność kredytową? </h2> <p class="article_p" data-section="detail-body">Przy ocenie <strong>wiarygodności kredytowej</strong> klienta każda instytucja ma na uwadze różne czynniki, zależne od konkretnej oferty. W większości przypadków kluczowe kwestie pozostają jednak takie same. Należą do nich głównie:</p> <ul class="article_ul"> <li class="article_ul_li">liczba dotychczasowych kredytów;</li> <li class="article_ul_li">rodzaje pożyczek zaciąganych w przeszłości;</li> <li class="article_ul_li">sposoby pokrywania zobowiązań;</li> <li class="article_ul_li">terminowość spłaty kolejnych rat;</li> <li class="article_ul_li">limity na prowadzonym rachunku bankowym.</li> </ul> <p class="article_p" data-section="detail-body">Wszystkie ze wspomnianych wiadomości znajdują się w BIK – Biurze Informacji Kredytowej. Zgromadzone tam dane są jawne i dowolna placówka może zażądać przekazania ich drogą elektroniczną w celu dokonania szczegółowej analizy. Ponadto kontrolowane są jeszcze takie rejestry jak <a href="https://businessinsider.com.pl/krd" id="bb527191-0e4a-491f-8815-cacad58b3c68"><strong>KRD</strong></a>, czyli Krajowy Rejestr Dłużników, lub BIG InfoMonitor.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left2","position":2,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <p class="article_p" data-section="detail-body"><strong>Czytaj także: </strong><a href="https://businessinsider.com.pl/poradnik-finansowy/kredyt-hipoteczny-a-niskie-dochody/wnd2wcr" id="3e974391-eacb-4192-b4c4-cef4bbec355a"><strong>Jak uzyskać kredyt hipoteczny przy niskich dochodach?</strong></a></p> <p class="article_p" data-section="detail-body">Warto dodać, że, poza wspomnianymi wyżej aspektami, na wiarygodność kredytową często wpływają jeszcze:</p> <ul class="article_ul"> <li class="article_ul_li">wcześniejsza współpraca z konkretnym bankiem;</li> <li class="article_ul_li">stanowisko pracy i typ umowy;</li> <li class="article_ul_li">wiek i wykształcenie klienta.</li> </ul> <h2 class="article_heading"> Jak budować wiarygodność kredytową? </h2> <p class="article_p" data-section="detail-body"><strong>Budowanie wiarygodności kredytowej</strong> należy rozpocząć od wstępnego zestawienia raportów z BIK oraz ich dokładnej weryfikacji. Bardzo negatywny wydźwięk mają przede wszystkim zobowiązania niespłacone w wyznaczonym terminie, a zatem najlepiej pozbyć się danych wskazujących na takie sytuacje. Istnieje taka opcja, kiedy wpłaty za ostatnią ratę zadłużenia dokonano przynajmniej 5 lat wcześniej.</p> <p class="article_p" data-section="detail-body">Po wyeliminowaniu niekorzystnych i przedawnionych już informacji trzeba regularnie zwracać pieniądze wszędzie tam, gdzie widnieją wierzytelności. <strong>Jeśli w dłuższej perspektywie czasowej planuje się złożenie wniosku o udzielenie wysokiego kredytu, bezpiecznie jest unikać drobnych pożyczek.</strong> Ewentualne problemy z dotrzymaniem ustalonych dat mocno utrudnią uzyskanie akceptacji ze strony banku.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left2","position":3,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <p class="article_p" data-section="detail-body">Dla jeszcze lepszego wrażenia warto kupować różnego rodzaju produkty na raty, gdy mamy pewność co do terminowej spłaty zobowiązań. Wiadomości dotyczące nabycia określonego artykułu w formie rozłożonych należności znajdą się w bazie BIK. To pozytywnie oddziałuje na <strong>wiarygodność kredytową</strong>, dzięki czemu podnosi ocenę konsumencką.</p> <p class="article_p" data-section="detail-body"><strong>Czytaj także: </strong><a href="https://businessinsider.com.pl/poradnik-finansowy/kosztorys-do-kredytu-hipotecznego-rodzaje-wzor-wskazowki/w1wjhjz" id="58f035ba-aa0d-41f9-b8b5-2fff6efebf7f"><strong>Kosztorys do kredytu hipotecznego – jak go sporządzić i co powinno się w nim znaleźć?</strong></a></p> <h2 class="article_heading"> Jak sprawdzić wiarygodność kredytową? </h2> <p class="article_p" data-section="detail-body"><strong>Każdy obywatel ma prawo do wglądu w informacje dotyczące jego wiarygodności kredytowej.</strong> Proces jest bardzo prosty, a do jego przeprowadzenia wystarczy komputer z dostępem do Internetu. W pierwszej kolejności trzeba jednak zarejestrować się na oficjalnej witrynie Biura Informacji Kredytowej. Podczas zakładania konta zachodzi konieczność podania danych – między innymi imienia, nazwiska, numeru PESEL i aktualnego adresu zameldowania.</p> <p class="article_p" data-section="detail-body">Później strona zażąda potwierdzenia tożsamości, co można zrobić poprzez zeskanowanie dowodu osobistego i wysłanie go listem poleconym wraz z odpowiednim formularzem na wskazany adres. Po zaakceptowaniu wniosku oraz wykonaniu przelewu w wysokości 1 zł na skrzynkę pocztową zostanie przekazany link aktywacyjny. Następnie należy wpisać kod autoryzacyjny otrzymany za pośrednictwem wiadomości SMS, aby wejść do platformy. Finalnie pojawia się opcja pobrania raportu w cenie kilkudziesięciu złotych.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left2","position":4,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <figure class="article_image"> <div class="teaser-image_container teaser-image_container--with-placeholder" style="padding-top: 66.63043478260869%"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/kgTk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNA5gA3gACoTAGoTEB, https://ocdn.eu/pulscms-transforms/1/cjCk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNBWQA3gACoTAGoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/NIrk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNBzAA3gACoTAGoTEB 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/nMYk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNA5gA3gACoTAFoTEB, https://ocdn.eu/pulscms-transforms/1/0lPk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNBWQA3gACoTAFoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/Znak9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNBzAA3gACoTAFoTEB 2x" type="image/webp"> <img loading="lazy" class="article-image_container--img" id="image_7092d03c-b5f2-489b-8ba7-9aa5199e668c" alt="" src="https://ocdn.eu/pulscms-transforms/1/1Ovk9kpTURBXy80MjdhZmI5NDQ4OTg2ZWY0Yzk3MzY4NTRhZTQ1MTY2NC5qcGeRkwLNA5gA3gACoTABoTEB"> </picture> </div> <figcaption class="article-image_caption"> <span class="article-image_source"> <span class="article-copyright_separator">|</span> <span>megaflopp / Shutterstock</span> </span> </figcaption> </figure> <h2 class="article_heading"> Jak działa scoring? </h2> <p class="article_p" data-section="detail-body">Przed udzieleniem pożyczki, banki sprawdzają dane w Biurze Informacji Kredytowej (BIK). Na ich zlecenie przygotowywane są specjalne raporty, które pozwalają ocenić profil kandydata. Oceny punktowe, to tzw. scoring BIK.</p> <p class="article_p" data-section="detail-body">Pod uwagę brane są takie elementy jak:</p> <ul class="article_ul"> <li class="article_ul_li">terminowość spłat: czy klient regularnie i na czas spłaca swoje zobowiązania;</li> <li class="article_ul_li">liczba zaciągniętych kredytów: ile kredytów ma obecnie i miał w przeszłości;</li> <li class="article_ul_li">regularność płatności: Czy płatności są dokonywane zgodnie z harmonogramem.</li> </ul> <p class="article_p" data-section="detail-body">Dodatkowo uwzględniane są także inne parametry, takie jak:</p> <ul class="article_ul"> <li class="article_ul_li">wiek, płeć, stan cywilny;</li> <li class="article_ul_li">wykształcenie i zawód: poziom wykształcenia i rodzaj wykonywanej pracy;</li> <li class="article_ul_li">sytuację rodzinną: liczba osób w gospodarstwie domowym;</li> <li class="article_ul_li">budżet domowy: wysokość dochodów i wydatków gospodarstwa domowego;</li> <li class="article_ul_li">posiadanie kart kredytowych;</li> <li class="article_ul_li">historia i stabilność zatrudnienia.</li> </ul> <p class="article_p" data-section="detail-body">Każdy z tych parametrów przyznaje określoną liczbę punktów. Po ich zsumowaniu tworzony jest całościowy wynik w tabeli scoringowej. Wynik ten pozwala bankowi ocenić, czy klient jest wiarygodny kredytowo i czy może otrzymać kredyt.</p> <aside class="intext placeholder wide" data-configuration='{"extraData":{},"slotName":"left2","position":5,"lazy":1}' data-run-module="local/main.intextAd" ></aside> <h2 class="article_heading"> Brak historii kredytowej </h2> <p class="article_p" data-section="detail-body">Jeśli klient po raz pierwszy stara się o kredyt, może napotkać trudności z uzyskaniem pozytywnej oceny. Brak historii kredytowej uniemożliwia ocenę wiarygodności kredytowej klienta. Posiadanie odpowiednio ułożonej i pozytywnej historii kredytowej pomaga w znaczącym stopniu w uzyskaniu kredytu na korzystnych warunkach. Ma to duże znaczenie przy zobowiązaniach dotyczących sporych kwot, takich jak kredyty hipoteczne, gdzie nawet niewielka różnica w oprocentowaniu może przynieść znaczące oszczędności. Dobra historia kredytowa świadczy o odpowiedzialności finansowej klienta, co zwiększa szanse na otrzymanie kredytu na korzystnych warunkach.</p> </div> </section> <section class="main whitelistPremium "> </section> <section class="main gallery contentPremium " > </section> <section class="all-columns-wide gallery contentPremium " > <div class="grid-container grid-base-system"> </div> <span data-article-end></span> </section> <section class="all-columns-wide "> <div class="grid-container grid-base-system"> <div class="column-container col-start-3 row-span-4"> <aside class="" data-run-module="local/main.floatingAd" data-configuration="{"slotName":"right2","position":"AUTO","floatingHeight":1100,"containerHeight":"MAX","lazy":true,"enabled":true,"displayIndex":9}" ></aside> </div> <section class="main"> <aside class="placeholder" style="padding-top:220px;" data-run-module="local/main.simpleAd" 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Idziemy na rekord </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-27T09:02:23.000Z"> środa 10:02 </time> <span class="item_author"> Jacek Frączyk </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/nadciaga-fala-biedaemerytow-oto-co-nas-czeka-za-10-lat/cq2xe7k" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/JWnk9kpTURBXy82MjllYTFlZTU0NzA5ZDIxMjAwYmZkZjhiOTJlMzYyZC5qcGeSlQMAzHPNB9DNBGWTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/nRhk9kpTURBXy82MjllYTFlZTU0NzA5ZDIxMjAwYmZkZjhiOTJlMzYyZC5qcGeSlQMAzHPNB9DNBGWTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Nadciąga fala biedaemerytów. Oto co nas czeka za 10 lat" src="https://ocdn.eu/pulscms-transforms/1/hqAk9kpTURBXy82MjllYTFlZTU0NzA5ZDIxMjAwYmZkZjhiOTJlMzYyZC5qcGeSlQMAzHPNB9DNBGWTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Nadciąga fala biedaemerytów. Oto co nas czeka za 10 lat </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-27T05:52:48.000Z"> środa 06:52 </time> <span class="item_author"> pas </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/nowy-wskaznik-zastapi-stawke-wibor-eksperci-szacuja-o-ile-moze-spasc-rata-kredytu/tcpvjes" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/_vKk9kpTURBXy9hMjUwNjlhYTQwMWU1OGUxZWI2MTEwMGViMDc1ZDdmYS5qcGeSlQMAzNHNFO7NC8mTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/VFqk9kpTURBXy9hMjUwNjlhYTQwMWU1OGUxZWI2MTEwMGViMDc1ZDdmYS5qcGeSlQMAzNHNFO7NC8mTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Nowy wskaźnik zastąpi stawkę WIBOR. Eksperci szacują, o ile może spaść rata kredytu" src="https://ocdn.eu/pulscms-transforms/1/V0Gk9kpTURBXy9hMjUwNjlhYTQwMWU1OGUxZWI2MTEwMGViMDc1ZDdmYS5qcGeSlQMAzNHNFO7NC8mTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Nowy wskaźnik zastąpi stawkę WIBOR. Eksperci szacują, o ile może spaść rata kredytu </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-25T15:52:38.000Z"> poniedziałek 16:52 </time> <span class="item_author"> MR </span> </div> </div> </a> <a href="https://businessinsider.com.pl/praca/hsbc-szykuje-sie-do-dalszych-zwolnien-menedzerowie-probuja-zachowac-stanowiska-w/fjn4nhx" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Bryk9kpTURBXy81YmI0MzgyZDhmNDlkNjRlMTNmYmI3NGJkMTIzNDYxNy5qcGeSlQMAHs0Has0EK5MFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Kukk9kpTURBXy81YmI0MzgyZDhmNDlkNjRlMTNmYmI3NGJkMTIzNDYxNy5qcGeSlQMAHs0Has0EK5MFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="HSBC szykuje się do dalszych zwolnień. Menedżerowie próbują zachować stanowiska w nietypowy sposób" src="https://ocdn.eu/pulscms-transforms/1/Qmyk9kpTURBXy81YmI0MzgyZDhmNDlkNjRlMTNmYmI3NGJkMTIzNDYxNy5qcGeSlQMAHs0Has0EK5MFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Praca </span> </div> <h3 class="item_title"> HSBC szykuje się do dalszych zwolnień. Menedżerowie próbują zachować stanowiska w nietypowy sposób </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-18T15:55:36.000Z"> 18.11.2024 </time> <span class="item_author"> gku </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/revolut-udostepnia-platnosc-blik-w-polsce/vf3khct" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Ol9k9kpTURBXy80NDBiOWYyZTU0NWY5MjliMDY3NDBiMjk4MWJmOWQwMi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Vyhk9kpTURBXy80NDBiOWYyZTU0NWY5MjliMDY3NDBiMjk4MWJmOWQwMi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="BLIK wchodzi do Revoluta. Polska platforma podbija świat" src="https://ocdn.eu/pulscms-transforms/1/ofjk9kpTURBXy80NDBiOWYyZTU0NWY5MjliMDY3NDBiMjk4MWJmOWQwMi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> BLIK wchodzi do Revoluta. Polska platforma podbija świat </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-18T13:07:23.000Z"> 18.11.2024 </time> <span class="item_author"> fmad </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/kredyty-mieszkaniowe-obciazaja-polakow-splaty-az-do-emerytury/3efs91g" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/oIuk9kpTURBXy9mYzc2ZTdkMzQ1YjQ0NjAzYWI1NTE5NmZiYmM4MWViNi5qcGeSlQMAzEnNA-jNAjOTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/tyhk9kpTURBXy9mYzc2ZTdkMzQ1YjQ0NjAzYWI1NTE5NmZiYmM4MWViNi5qcGeSlQMAzEnNA-jNAjOTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Niepokojące dane o kredytach. Wielu Polaków nie uwolni się od rat przed emeryturą" src="https://ocdn.eu/pulscms-transforms/1/MJOk9kpTURBXy9mYzc2ZTdkMzQ1YjQ0NjAzYWI1NTE5NmZiYmM4MWViNi5qcGeSlQMAzEnNA-jNAjOTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Niepokojące dane o kredytach. Wielu Polaków nie uwolni się od rat przed emeryturą </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-14T11:11:41.000Z"> 14.11.2024 </time> <span class="item_author"> DS </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/refinansowanie-kredytu-hipotecznego-jak-placic-nizsze-raty/w27nky3" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/d44k9kpTURBXy9jZjY2YmRlMTAwZmEwYzYzOTkyZDQwNGU1MGRmNmZmNS5qcGeSlQMAIs0Hkc0EQZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/WFDk9kpTURBXy9jZjY2YmRlMTAwZmEwYzYzOTkyZDQwNGU1MGRmNmZmNS5qcGeSlQMAIs0Hkc0EQZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Masz kredyt hipoteczny? Możesz wziąć go "drugi raz" i płacić mniejsze raty" src="https://ocdn.eu/pulscms-transforms/1/--0k9kpTURBXy9jZjY2YmRlMTAwZmEwYzYzOTkyZDQwNGU1MGRmNmZmNS5qcGeSlQMAIs0Hkc0EQZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Masz kredyt hipoteczny? Możesz wziąć go "drugi raz" i płacić mniejsze raty </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-14T10:03:24.000Z"> 14.11.2024 </time> <span class="item_author"> gku </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/konflikt-w-koalicji-narasta-nowy-pomysl-na-doplaty-do-kredytow-mieszkaniowych/19pb3b3" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/dexk9kpTURBXy9jMDY0NGVmOTNjNzU2MTc2ZWUwOTA3ZjVhNjNiOWFlZi5qcGeSlQMAHc0RVs0Jw5MFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/QK6k9kpTURBXy9jMDY0NGVmOTNjNzU2MTc2ZWUwOTA3ZjVhNjNiOWFlZi5qcGeSlQMAHc0RVs0Jw5MFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Konflikt w koalicji narasta. Nowy pomysł na dopłaty do kredytów mieszkaniowych" src="https://ocdn.eu/pulscms-transforms/1/McIk9kpTURBXy9jMDY0NGVmOTNjNzU2MTc2ZWUwOTA3ZjVhNjNiOWFlZi5qcGeSlQMAHc0RVs0Jw5MFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Konflikt w koalicji narasta. Nowy pomysł na dopłaty do kredytów mieszkaniowych </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-13T05:24:35.000Z"> 13.11.2024 </time> <span class="item_author"> MR </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/mamy-najdrozsze-kredyty-mieszkaniowe-w-europie-banki-sie-tlumacza/g4f6362" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/cL8k9kpTURBXy8yYjEzOWE1NGQ0ZTFiZjI4ODBiY2I5YTQxMWMwZDE0NC5qcGeSlQMDzHDNF53NDUyTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/ilrk9kpTURBXy8yYjEzOWE1NGQ0ZTFiZjI4ODBiY2I5YTQxMWMwZDE0NC5qcGeSlQMDzHDNF53NDUyTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Mamy najdroższe kredyty mieszkaniowe w Europie. Banki się tłumaczą" src="https://ocdn.eu/pulscms-transforms/1/HyBk9kpTURBXy8yYjEzOWE1NGQ0ZTFiZjI4ODBiY2I5YTQxMWMwZDE0NC5qcGeSlQMDzHDNF53NDUyTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Mamy najdroższe kredyty mieszkaniowe w Europie. Banki się tłumaczą </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-13T05:18:59.000Z"> 13.11.2024 </time> <span class="item_author"> Maciej Rudke </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/jak-nadplacac-kredyt-gotowkowy-i-szybko-go-splacic-sprawdzone-informacje/x3beq2d" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/PTHk9kpTURBXy8yYmQ3NzA5ZjU4ODNlZDg3MTgyODNiYzk0YzJhOTY2Ny5qcGeSlQMAPM0HRc0EFpMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/z_6k9kpTURBXy8yYmQ3NzA5ZjU4ODNlZDg3MTgyODNiYzk0YzJhOTY2Ny5qcGeSlQMAPM0HRc0EFpMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Jak nadpłacać kredyt gotówkowy i szybko go spłacić? Sprawdzone informacje" src="https://ocdn.eu/pulscms-transforms/1/YO6k9kpTURBXy8yYmQ3NzA5ZjU4ODNlZDg3MTgyODNiYzk0YzJhOTY2Ny5qcGeSlQMAPM0HRc0EFpMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Jak nadpłacać kredyt gotówkowy i szybko go spłacić? Sprawdzone informacje </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-12T11:18:26.000Z"> 12.11.2024 </time> <span class="item_author"> gku </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/co-zrobic-gdy-bank-nie-chce-udzielic-kredytu-konkretne-wskazowki/kxe4fns" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/kjok9kpTURBXy9lNDhhMzJhZTM0ZWJkZTFiMDdjOTIwMWVmZjE2MjJkNS5qcGeSlQMAKs0Hfs0ENpMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Iymk9kpTURBXy9lNDhhMzJhZTM0ZWJkZTFiMDdjOTIwMWVmZjE2MjJkNS5qcGeSlQMAKs0Hfs0ENpMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Co zrobić, gdy bank nie chce udzielić kredytu? Konkretne wskazówki" src="https://ocdn.eu/pulscms-transforms/1/scWk9kpTURBXy9lNDhhMzJhZTM0ZWJkZTFiMDdjOTIwMWVmZjE2MjJkNS5qcGeSlQMAKs0Hfs0ENpMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Co zrobić, gdy bank nie chce udzielić kredytu? Konkretne wskazówki </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-12T10:52:17.000Z"> 12.11.2024 </time> <span class="item_author"> gku </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/agresywne-oszczedzanie-pokolenia-henry-licza-na-emeryture-przed-40-rokiem-zycia/yfmcs9d" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/wYgk9kpTURBXy8xZmE1NzBlMDI5ZjQxODcyZTFlYjEwZDIyMzdkMTczNi5qcGeSlQMAzF3NCcPNBX-TBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/rZfk9kpTURBXy8xZmE1NzBlMDI5ZjQxODcyZTFlYjEwZDIyMzdkMTczNi5qcGeSlQMAzF3NCcPNBX-TBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Agresywne oszczędzanie pokolenia HENRY. Liczą na emeryturę przed 40. rokiem życia" src="https://ocdn.eu/pulscms-transforms/1/buck9kpTURBXy8xZmE1NzBlMDI5ZjQxODcyZTFlYjEwZDIyMzdkMTczNi5qcGeSlQMAzF3NCcPNBX-TBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Lifestyle </span> </div> <h3 class="item_title"> Agresywne oszczędzanie pokolenia HENRY. Liczą na emeryturę przed 40. rokiem życia </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-12T08:00:00.000Z"> 12.11.2024 </time> <span class="item_author"> Noah Sheidlower, pas </span> </div> </div> </a> <a href="https://businessinsider.com.pl/nieruchomosci/spadek-liczby-wnioskow-o-kredyt-mieszkaniowy-o-165-proc-w-pazdzierniku-br/yee2189" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/XVBk9kpTURBXy85ZWMyY2FkNmI4YjdjODc1OTVjYjhmNzk5Nzk2MDUxNC5qcGeSlQMAzJfNEvnNCq2TBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/-hjk9kpTURBXy85ZWMyY2FkNmI4YjdjODc1OTVjYjhmNzk5Nzk2MDUxNC5qcGeSlQMAzJfNEvnNCq2TBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Polacy mniej chętni na kredyty. Pokazano dane" src="https://ocdn.eu/pulscms-transforms/1/zjjk9kpTURBXy85ZWMyY2FkNmI4YjdjODc1OTVjYjhmNzk5Nzk2MDUxNC5qcGeSlQMAzJfNEvnNCq2TBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Nieruchomości </span> </div> <h3 class="item_title"> Polacy mniej chętni na kredyty. Pokazano dane </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-06T12:11:05.000Z"> 06.11.2024 </time> <span class="item_author"> fmad </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/podatki/zaniechanie-poboru-podatku-dochodowego-od-dochodow-z-kredytu-hipotecznego/1nx08bn" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/qYck9kpTURBXy8xZTA3MTFkMWQzYTk1NjViOTQxYjczNWNiMDFhOTNlMS5qcGeSlQMAzL3NF4DNDTiTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/YTIk9kpTURBXy8xZTA3MTFkMWQzYTk1NjViOTQxYjczNWNiMDFhOTNlMS5qcGeSlQMAzL3NF4DNDTiTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="PIT od ugód z bankami. Dobra wiadomość dla frankowiczów" src="https://ocdn.eu/pulscms-transforms/1/jxsk9kpTURBXy8xZTA3MTFkMWQzYTk1NjViOTQxYjczNWNiMDFhOTNlMS5qcGeSlQMAzL3NF4DNDTiTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Podatki </span> </div> <h3 class="item_title"> PIT od ugód z bankami. Dobra wiadomość dla frankowiczów </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-05T11:31:53.000Z"> 05.11.2024 </time> <span class="item_author"> Łukasz Zalewski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/straz-miejska-puka-do-drzwi-kontrole-ceeb-i-grozba-wysokich-mandatow/xptvj03" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/W25k9kpTURBXy9iMDEyNjYzOGQ0Yzc4YzFhYzgzOGRkMDU0MWUwZTViOS5qcGeSlQPNB2PNA2bNBlXNA4-TBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/9Ojk9kpTURBXy9iMDEyNjYzOGQ0Yzc4YzFhYzgzOGRkMDU0MWUwZTViOS5qcGeSlQPNB2PNA2bNBlXNA4-TBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Straż miejska w twoim domu: kontrole CEEB i groźba wysokich mandatów" src="https://ocdn.eu/pulscms-transforms/1/9dIk9kpTURBXy9iMDEyNjYzOGQ0Yzc4YzFhYzgzOGRkMDU0MWUwZTViOS5qcGeSlQPNB2PNA2bNBlXNA4-TBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Straż miejska w twoim domu: kontrole CEEB i groźba wysokich mandatów </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-05T06:30:00.000Z"> 05.11.2024 </time> <span class="item_author"> MĆw </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/pierwsze-pytanie-do-tsue-dotyczace-spornych-kwestii-w-sprawach-frankowych/f7mq7el" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/1xqk9kpTURBXy8xNDMxNDBlNjkzMDZjYjA0NGMyZDNjMDA5YjliZGFlZi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/6A3k9kpTURBXy8xNDMxNDBlNjkzMDZjYjA0NGMyZDNjMDA5YjliZGFlZi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="To pytanie do TSUE może rozbić bank. Chodzi o sprawy frankowiczów" src="https://ocdn.eu/pulscms-transforms/1/AIbk9kpTURBXy8xNDMxNDBlNjkzMDZjYjA0NGMyZDNjMDA5YjliZGFlZi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Prawo </span> </div> <h3 class="item_title"> To pytanie do TSUE może rozbić bank. Chodzi o sprawy frankowiczów </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-05T05:32:27.000Z"> 05.11.2024 </time> <span class="item_author"> Jolanta Ojczyk </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/bank-kazal-emerytce-splacac-cudzy-kredyt-przez-rok-scigal-klientke/d7z8tbf" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/4Nzk9kpTURBXy80YjU2OTBmMDgxZjAyYjZmNTg5MmI2NjcxNTdkMjNhNS5qcGeSlQMAzQNVzR_8zRIDkwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/mnjk9kpTURBXy80YjU2OTBmMDgxZjAyYjZmNTg5MmI2NjcxNTdkMjNhNS5qcGeSlQMAzQNVzR_8zRIDkwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Bank kazał emerytce spłacać cudzy kredyt. Jest finał sprawy" src="https://ocdn.eu/pulscms-transforms/1/PgFk9kpTURBXy80YjU2OTBmMDgxZjAyYjZmNTg5MmI2NjcxNTdkMjNhNS5qcGeSlQMAzQNVzR_8zRIDkwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Bank kazał emerytce spłacać cudzy kredyt. Jest finał sprawy </h3> <div class="item_date"> <time class="item_time" datetime="2024-11-04T15:53:32.000Z"> 04.11.2024 </time> <span class="item_author"> izz </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/slyszysz-to-zdanie-w-rozmowie-telefonicznej-natychmiast-sie-rozlacz/lmqgywm" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/VDGk9kpTURBXy8wNzc0NmZjZWUyOGVkMjIyMzZlZmI4NjA3NjJkYWVjOS5qcGeSlQMAzMXNGJrNDdaTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/dPuk9kpTURBXy8wNzc0NmZjZWUyOGVkMjIyMzZlZmI4NjA3NjJkYWVjOS5qcGeSlQMAzMXNGJrNDdaTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Oszuści często korzystają z tej sztuczki. Natychmiast się rozłącz" src="https://ocdn.eu/pulscms-transforms/1/Oeok9kpTURBXy8wNzc0NmZjZWUyOGVkMjIyMzZlZmI4NjA3NjJkYWVjOS5qcGeSlQMAzMXNGJrNDdaTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Oszuści często korzystają z tej sztuczki. Natychmiast się rozłącz </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-31T18:11:43.000Z"> 31.10.2024 </time> <span class="item_author"> izz </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/awaria-w-banku-millennium-infolinia-nie-pomaga/kmgxfjq" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/QUqk9kpTURBXy8wNDRkNGQxNDVkNjg3Mjg5ZDI2ZWJhZWFjZDFjYjQxNy5qcGeSlQMAzQGvzRBozQk7kwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/iKVk9kpTURBXy8wNDRkNGQxNDVkNjg3Mjg5ZDI2ZWJhZWFjZDFjYjQxNy5qcGeSlQMAzQGvzRBozQk7kwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Awaria w dużym banku. "Nie można się zalogować". Drugi raz w tym tygodniu" src="https://ocdn.eu/pulscms-transforms/1/ihpk9kpTURBXy8wNDRkNGQxNDVkNjg3Mjg5ZDI2ZWJhZWFjZDFjYjQxNy5qcGeSlQMAzQGvzRBozQk7kwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Awaria w dużym banku. "Nie można się zalogować". Drugi raz w tym tygodniu </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-31T11:46:47.000Z"> 31.10.2024 </time> <span class="item_author"> izz </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/aspirujacy-rentier-zdradza-nam-swoj-plan-na-niezaleznosc-finansowa-oto-jak-fire/f177lj4" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/8M4k9kpTURBXy83OGZhNzBjZDY5OWIyYTY5NGI5NWE0OWVhZjYzOTM2NS5qcGeSlQMAAM0UAM0LQJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/P0Hk9kpTURBXy83OGZhNzBjZDY5OWIyYTY5NGI5NWE0OWVhZjYzOTM2NS5qcGeSlQMAAM0UAM0LQJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Aspirujący Rentier zdradza nam swój plan na niezależność finansową. Nieruchomości to tylko 30 proc." src="https://ocdn.eu/pulscms-transforms/1/vILk9kpTURBXy83OGZhNzBjZDY5OWIyYTY5NGI5NWE0OWVhZjYzOTM2NS5qcGeSlQMAAM0UAM0LQJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Aspirujący Rentier zdradza nam swój plan na niezależność finansową. Nieruchomości to tylko 30 proc. </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-29T10:15:00.000Z"> 29.10.2024 </time> <span class="item_author"> Maciej Rudke </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/oszczedzanie/oszczednosci-polakow-sie-marnuja-jak-najlepiej-pomnazac-pieniadze-poradnik/g5mg7ts" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/--uk9kpTURBXy9lYjZlZWZmOTkyNGIyZjQ4N2QzYzU0YmE4OTQwYzQzMS5qcGeSlQMAIs0ERs0CZ5MFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/J8Nk9kpTURBXy9lYjZlZWZmOTkyNGIyZjQ4N2QzYzU0YmE4OTQwYzQzMS5qcGeSlQMAIs0ERs0CZ5MFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Jak pomnożyć swoje oszczędności? Wszystko, co musisz wiedzieć" src="https://ocdn.eu/pulscms-transforms/1/XZRk9kpTURBXy9lYjZlZWZmOTkyNGIyZjQ4N2QzYzU0YmE4OTQwYzQzMS5qcGeSlQMAIs0ERs0CZ5MFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Oszczędzanie </span> </div> <h3 class="item_title"> Jak pomnożyć swoje oszczędności? Wszystko, co musisz wiedzieć </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-29T05:10:00.000Z"> 29.10.2024 </time> <span class="item_author"> Damian Słomski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/klienci-cinkciarza-o-kulisach-zablokowane-2-tys-zl-na-rate-i-240-tys-zl-za-towary-z/l0flff8" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Hf5k9kpTURBXy9iMDhmMjJiNmM3MzJhYzdmZWEwNGJmNDhmMzI4OWVhZS5qcGeSlQMAzKDNFrDNDMeTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/0qqk9kpTURBXy9iMDhmMjJiNmM3MzJhYzdmZWEwNGJmNDhmMzI4OWVhZS5qcGeSlQMAzKDNFrDNDMeTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Zablokowane 2 tys. zł na ratę i 240 tys. zł za towary z Chin. Klienci Cinkciarza o kulisach" src="https://ocdn.eu/pulscms-transforms/1/4vPk9kpTURBXy9iMDhmMjJiNmM3MzJhYzdmZWEwNGJmNDhmMzI4OWVhZS5qcGeSlQMAzKDNFrDNDMeTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="editor_choice">Tylko u nas</span> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Zablokowane 2 tys. zł na ratę i 240 tys. zł za towary z Chin. Klienci Cinkciarza o kulisach </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-26T05:00:00.000Z"> 26.10.2024 </time> <span class="item_author"> Damian Słomski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/kredyty/przelom-na-rynku-hipotek-tego-rozwiazania-brakowalo-od-lat/e4q8mll" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/4Buk9kpTURBXy9mMjVlOTgxODEzMTQzMzYzYzYzNzZiZWI0MjFhZGExMy5qcGeSlQMAzQHAzQ_AzQjckwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/pHFk9kpTURBXy9mMjVlOTgxODEzMTQzMzYzYzYzNzZiZWI0MjFhZGExMy5qcGeSlQMAzQHAzQ_AzQjckwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Największy bank chce pomóc w kupowaniu mieszkań. Tego rozwiązania brakowało od lat" src="https://ocdn.eu/pulscms-transforms/1/zzkk9kpTURBXy9mMjVlOTgxODEzMTQzMzYzYzYzNzZiZWI0MjFhZGExMy5qcGeSlQMAzQHAzQ_AzQjckwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Kredyty </span> </div> <h3 class="item_title"> Największy bank chce pomóc w kupowaniu mieszkań. Tego rozwiązania brakowało od lat </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-25T05:28:05.000Z"> 25.10.2024 </time> <span class="item_author"> Maciej Rudke </span> </div> </div> </a> <a href="https://businessinsider.com.pl/praca/gigantyczne-zwolnienia-w-najwiekszym-wloskim-banku/qsv8zxt" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/RFkk9kpTURBXy83Yjk5ZjVhOTk0NDA0OTlmODEyNDM2NjczODg1YzRiNi5qcGeSlQMAzEzNA-jNAjOTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/eukk9kpTURBXy83Yjk5ZjVhOTk0NDA0OTlmODEyNDM2NjczODg1YzRiNi5qcGeSlQMAzEzNA-jNAjOTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Gigantyczne zwolnienia w największym włoskim banku" src="https://ocdn.eu/pulscms-transforms/1/egFk9kpTURBXy83Yjk5ZjVhOTk0NDA0OTlmODEyNDM2NjczODg1YzRiNi5qcGeSlQMAzEzNA-jNAjOTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Praca </span> </div> <h3 class="item_title"> Gigantyczne zwolnienia w największym włoskim banku </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-24T10:43:02.000Z"> 24.10.2024 </time> <span class="item_author"> kuni </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/place-polakow-pod-lupa-zobacz-co-dzieje-sie-z-twoja-wyplata/tm2zr1s" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/N79k9kpTURBXy9iNjUyZWMxMDA2Mjg1N2Y1NTI1MmVjNGFkNjlhYWQ3Yy5qcGeSlQMAGM0E1c0CuJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/YgAk9kpTURBXy9iNjUyZWMxMDA2Mjg1N2Y1NTI1MmVjNGFkNjlhYWQ3Yy5qcGeSlQMAGM0E1c0CuJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Zarabia średnią krajową, a połowę tej kwoty przejmuje państwo. Sprawdź, co dzieje się z twoją wypłatą" src="https://ocdn.eu/pulscms-transforms/1/j7vk9kpTURBXy9iNjUyZWMxMDA2Mjg1N2Y1NTI1MmVjNGFkNjlhYWQ3Yy5qcGeSlQMAGM0E1c0CuJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Zarabia średnią krajową, a połowę tej kwoty przejmuje państwo. Sprawdź, co dzieje się z twoją wypłatą </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-23T05:01:23.000Z"> 23.10.2024 </time> <span class="item_author"> Damian Słomski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/pko-bp-ostrzega-klientow-bank-nie-jest-autorem-tej-wiadomosci/ysp0t2b" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/tbYk9kpTURBXy9hNjhlNzFkMDkzNjBlZTQ2NjJjZWMzYzFmN2M1ZmY5OS5qcGeSlQMAzG3NDazNB7GTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/eeKk9kpTURBXy9hNjhlNzFkMDkzNjBlZTQ2NjJjZWMzYzFmN2M1ZmY5OS5qcGeSlQMAzG3NDazNB7GTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="PKO BP ostrzega klientów. "Bank nie jest autorem tej wiadomości"" src="https://ocdn.eu/pulscms-transforms/1/fDSk9kpTURBXy9hNjhlNzFkMDkzNjBlZTQ2NjJjZWMzYzFmN2M1ZmY5OS5qcGeSlQMAzG3NDazNB7GTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> PKO BP ostrzega klientów. "Bank nie jest autorem tej wiadomości" </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-22T09:30:44.000Z"> 22.10.2024 </time> <span class="item_author"> pas </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/sprawdzili-lojalnosc-klientow-wobec-bankow-polska-ponizej-sredniej/j02vkff" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/tidk9kpTURBXy84ZTc4NjUzZjZiY2U0ODY1ODc5NjYxM2Y4ZDEyMjliMS5qcGeSlQMAzEzNB9DNBGWTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/161k9kpTURBXy84ZTc4NjUzZjZiY2U0ODY1ODc5NjYxM2Y4ZDEyMjliMS5qcGeSlQMAzEzNB9DNBGWTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Sprawdzili lojalność klientów wobec banków. Polska poniżej średniej" src="https://ocdn.eu/pulscms-transforms/1/Q_jk9kpTURBXy84ZTc4NjUzZjZiY2U0ODY1ODc5NjYxM2Y4ZDEyMjliMS5qcGeSlQMAzEzNB9DNBGWTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Sprawdzili lojalność klientów wobec banków. Polska poniżej średniej </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-22T06:21:39.000Z"> 22.10.2024 </time> <span class="item_author"> ANA </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/ranking-najlepszych-do-zycia-stolic-europejskich-sprawdz-miejsce-warszawy/997mpp7" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/u-qk9kpTURBXy85ZjA3YzI2ODBmZTlmOGRkN2FjMmE0MmJjM2Y1M2FlZC5qcGeSlQMDAM0FSs0C-pMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Cr-k9kpTURBXy85ZjA3YzI2ODBmZTlmOGRkN2FjMmE0MmJjM2Y1M2FlZC5qcGeSlQMDAM0FSs0C-pMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Ranking najlepszych do życia stolic europejskich. Gdzie jest Warszawa?" src="https://ocdn.eu/pulscms-transforms/1/o2ak9kpTURBXy85ZjA3YzI2ODBmZTlmOGRkN2FjMmE0MmJjM2Y1M2FlZC5qcGeSlQMDAM0FSs0C-pMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Ranking najlepszych do życia stolic europejskich. Gdzie jest Warszawa? </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-22T05:00:00.000Z"> 22.10.2024 </time> <span class="item_author"> Damian Słomski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/fatalne-wiesci-ze-stacji-benzynowych-podwyzki-dotarly/6j2ekk0" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/jDWk9kpTURBXy8yNmVhMGNkYjliY2E3MjdkY2FjZjU4OTAyZjA4MTE0OC5qcGeSlQMAzOXNEADNCQCTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Vjsk9kpTURBXy8yNmVhMGNkYjliY2E3MjdkY2FjZjU4OTAyZjA4MTE0OC5qcGeSlQMAzOXNEADNCQCTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Fatalne wieści ze stacji benzynowych. Gwałtowne podwyżki" src="https://ocdn.eu/pulscms-transforms/1/zzHk9kpTURBXy8yNmVhMGNkYjliY2E3MjdkY2FjZjU4OTAyZjA4MTE0OC5qcGeSlQMAzOXNEADNCQCTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Fatalne wieści ze stacji benzynowych. Gwałtowne podwyżki </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-20T03:30:00.000Z"> 20.10.2024 </time> <span class="item_author"> mm </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/pora-zastrzec-pesel-coraz-wiecej-wyludzen-kredytow/5pneb53" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/jAEk9kpTURBXy9lMDY4MDU1N2NhY2I3YTJmODY3ZmM5YWU4MmQwNmQ3Yy5qcGeSlQMAzQG_zRpAzQ7FkwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/ELRk9kpTURBXy9lMDY4MDU1N2NhY2I3YTJmODY3ZmM5YWU4MmQwNmQ3Yy5qcGeSlQMAzQG_zRpAzQ7FkwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Pora zastrzec PESEL. Coraz więcej wyłudzeń kredytów" src="https://ocdn.eu/pulscms-transforms/1/PsHk9kpTURBXy9lMDY4MDU1N2NhY2I3YTJmODY3ZmM5YWU4MmQwNmQ3Yy5qcGeSlQMAzQG_zRpAzQ7FkwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Pora zastrzec PESEL. Coraz więcej wyłudzeń kredytów </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-18T04:51:09.000Z"> 18.10.2024 </time> <span class="item_author"> PRus </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/inpost-apeluje-o-ostroznosc-falszywe-sms-y-wyludzaja-dane/4z70qtw" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/bbRk9kpTURBXy8yNzQ4MmQ1ZTVhMGNmYzgxNzFlZDVkMDFlNWNmMTMyMy5qcGeSlQMAHM0Eps0CnZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/tjFk9kpTURBXy8yNzQ4MmQ1ZTVhMGNmYzgxNzFlZDVkMDFlNWNmMTMyMy5qcGeSlQMAHM0Eps0CnZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Klienci InPostu na celowniku oszustów. Na to muszą uważać" src="https://ocdn.eu/pulscms-transforms/1/Tpzk9kpTURBXy8yNzQ4MmQ1ZTVhMGNmYzgxNzFlZDVkMDFlNWNmMTMyMy5qcGeSlQMAHM0Eps0CnZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Klienci InPostu na celowniku oszustów. Na to muszą uważać </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-17T13:48:46.000Z"> 17.10.2024 </time> <span class="item_author"> DS </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/prawdopodobnie-pierwszy-taki-wyrok-w-sprawie-cyberoszustwa/j01x693" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/dyWk9kpTURBXy8yYjI2M2UzM2U2NWMzMDAzYTM2NjI5YjA0OGQ3ODU2Mi5qcGeSlQMAAM0VYM0MBpMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/1hYk9kpTURBXy8yYjI2M2UzM2U2NWMzMDAzYTM2NjI5YjA0OGQ3ODU2Mi5qcGeSlQMAAM0VYM0MBpMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt=""Nie da się zawrzeć umowy tylko trochę". Wyrok w sprawie cyberoszustwa" src="https://ocdn.eu/pulscms-transforms/1/iL7k9kpTURBXy8yYjI2M2UzM2U2NWMzMDAzYTM2NjI5YjA0OGQ3ODU2Mi5qcGeSlQMAAM0VYM0MBpMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> "Nie da się zawrzeć umowy tylko trochę". Wyrok w sprawie cyberoszustwa </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-16T15:12:00.000Z"> 16.10.2024 </time> <span class="item_author"> PRus </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/wysoki-rachunek-za-prad-twoj-licznik-moze-oszukiwac/2zrf1e0" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Dvqk9kpTURBXy9jMmUwMzU1OTQ0Mjc2NWQ5NmNlMTZiOGI5NTg2ODM1OS5qcGeSlQMAzHDNFxPNDPuTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Tx-k9kpTURBXy9jMmUwMzU1OTQ0Mjc2NWQ5NmNlMTZiOGI5NTg2ODM1OS5qcGeSlQMAzHDNFxPNDPuTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Dostałeś wysoki rachunek za prąd? Wystarczy prosty test licznika" src="https://ocdn.eu/pulscms-transforms/1/9UGk9kpTURBXy9jMmUwMzU1OTQ0Mjc2NWQ5NmNlMTZiOGI5NTg2ODM1OS5qcGeSlQMAzHDNFxPNDPuTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Dostałeś wysoki rachunek za prąd? Wystarczy prosty test licznika </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-16T03:30:00.000Z"> 16.10.2024 </time> <span class="item_author"> DSZ </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/emerytura-4-tys-zl-az-tyle-trzeba-zarabiac/2397t97" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/dMFk9kpTURBXy84OGRkOGMwZjI5MjA5M2YzZDk1OWYyMjU2Yjc4YzA5Yi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/ciYk9kpTURBXy84OGRkOGMwZjI5MjA5M2YzZDk1OWYyMjU2Yjc4YzA5Yi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Ile trzeba zarabiać, by emerytura wyniosła 4000 zł? Konkretne kwoty" src="https://ocdn.eu/pulscms-transforms/1/F4Lk9kpTURBXy84OGRkOGMwZjI5MjA5M2YzZDk1OWYyMjU2Yjc4YzA5Yi5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Ile trzeba zarabiać, by emerytura wyniosła 4000 zł? Konkretne kwoty </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-09T03:30:00.000Z"> 09.10.2024 </time> <span class="item_author"> pas </span> </div> </div> </a> <a href="https://businessinsider.com.pl/technologie/klienci-czterech-bankow-musza-uwazac-na-to-oszustwo-latwo-sie-nabrac/wmr642f" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/uvjk9kpTURBXy8yMjU4YjM5YzA4NzhkZmIxOTU2MjRkMWI2NTI0OGY1MS5qcGeSlQMAPc0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/ijWk9kpTURBXy8yMjU4YjM5YzA4NzhkZmIxOTU2MjRkMWI2NTI0OGY1MS5qcGeSlQMAPc0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Klienci czterech banków muszą uważać. Na to oszustwo łatwo się nabrać" src="https://ocdn.eu/pulscms-transforms/1/Ff3k9kpTURBXy8yMjU4YjM5YzA4NzhkZmIxOTU2MjRkMWI2NTI0OGY1MS5qcGeSlQMAPc0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Technologie </span> </div> <h3 class="item_title"> Klienci czterech banków muszą uważać. Na to oszustwo łatwo się nabrać </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-08T05:05:38.000Z"> 08.10.2024 </time> <span class="item_author"> KUC </span> </div> </div> </a> <a href="https://businessinsider.com.pl/nieruchomosci/stad-ciagoty-politykow-do-rynku-nieruchomosci-znamy-odpowiedz/lyd91rb" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/fRgk9kpTURBXy81OTM0ZmZmODYzNDZjMjNlODUyM2JjZWQ5ZTEzYTJlMC5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/5e-k9kpTURBXy81OTM0ZmZmODYzNDZjMjNlODUyM2JjZWQ5ZTEzYTJlMC5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Stąd biorą się ciągoty polityków do rynku nieruchomości. Powód jest prosty [OPINIA]" src="https://ocdn.eu/pulscms-transforms/1/xPik9kpTURBXy81OTM0ZmZmODYzNDZjMjNlODUyM2JjZWQ5ZTEzYTJlMC5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <span class="item_category"> Nieruchomości </span> </div> <h3 class="item_title"> Stąd biorą się ciągoty polityków do rynku nieruchomości. Powód jest prosty [OPINIA] </h3> <div class="item_date"> <time class="item_time" datetime="2024-10-08T04:32:00.000Z"> 08.10.2024 </time> <span class="item_author"> Jakub Ceglarz </span> </div> </div> </a> <a href="https://businessinsider.com.pl/poradnik-finansowy/chce-splacic-wszystkie-dlugi-popularna-metoda-oszczedzania-nie-zadzialala/bhcq79w" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/smzk9kpTURBXy9kMzAxYTE5ZGI0MGZjNjc3MmRhNTg1YzRjZTU5ZjVkNi5qcGeSlQMAzNnNFCbNC1aTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/F7vk9kpTURBXy9kMzAxYTE5ZGI0MGZjNjc3MmRhNTg1YzRjZTU5ZjVkNi5qcGeSlQMAzNnNFCbNC1aTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Zanim skończę 30 lat, chcę spłacić wszystkie długi. Oto jak zarządzam swoją pensją" src="https://ocdn.eu/pulscms-transforms/1/DTYk9kpTURBXy9kMzAxYTE5ZGI0MGZjNjc3MmRhNTg1YzRjZTU5ZjVkNi5qcGeSlQMAzNnNFCbNC1aTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Poradnik finansowy </span> </div> <h3 class="item_title"> Zanim skończę 30 lat, chcę spłacić wszystkie długi. 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