Miła niespodzianka dla frankowiczów. Prawnicy jednak są sceptyczni

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Prawnicy jednak są sceptyczni</title> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta name="description" content="Nieustające pasmo sukcesów. Tak w skrócie można podsumować ostatnie lata frankowiczów przed sądami. Mają już na tyle dużą przewagę, że niektóre banki w razie otrzymania pozwu z żądaniem unieważnienia umowy frankowej pozwalają na to, aby kredytobiorca przestał spłacać raty. 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<use xlink:href="#ico-premium-onet"></use> </svg> </div> <p id="premium-banner-text"></p> </div> </div> <div class="article--bs_header"> <picture class="article--bs_picture"> <source srcset="https://ocdn.eu/pulscms-transforms/1/qR9k9kpTURBXy8zZTAwM2ZkZDEyNjk5NmY2ODQwN2RjZWY4NTY3YzMzMi5qcGeSlQMAzOjNHLzNEC6TBc0HgM0C-N4AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/4ffk9kpTURBXy8zZTAwM2ZkZDEyNjk5NmY2ODQwN2RjZWY4NTY3YzMzMi5qcGeSlQMAzOjNHLzNEC6TBc0HgM0C-N4AAqEwBaExAQ" type="image/webp"> <img loading="lazy" class="article--bs_image" alt="Obecny kurs franka może być w przypadku wielu klientów nawet dwa razy wyższy niż w momencie udzielenia kredytu, co przekłada się na wysokie raty i dług wyrażone w złotym." src="https://ocdn.eu/pulscms-transforms/1/F5fk9kpTURBXy8zZTAwM2ZkZDEyNjk5NmY2ODQwN2RjZWY4NTY3YzMzMi5qcGeSlQMAzOjNHLzNEC6TBc0HgM0C-N4AAqEwAaExAQ"> </picture> <div class="article--bs_header_description"> <h1 class="article_title article--bs_title">Miła niespodzianka dla frankowiczów. Bank przestaje pobierać raty</h1> <div class="article-image_caption"> <span class="article-image_source article--bs_image_source"> Foto: alfexe / Getty Images </span> </div> </div> </div> <article class="article article--big-stories" content-length="8593" content-paywall-length="7598" > <section class="main"> <span data-article-start></span> <div class="article_header "> <div class="article-info_container"> <div class="article-author_container--top" data-section="author-top"> <div class="article-author_image_container"> <a href="https://businessinsider.com.pl/autorzy/maciej-rudke"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/z2Vk9kpTURBXy83Y2M1NzExNTdmOGJkM2Q3NzYxNmEyMDZhNDQyZDM0MC5wbmeRkwUsLN4AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/QBJk9kpTURBXy83Y2M1NzExNTdmOGJkM2Q3NzYxNmEyMDZhNDQyZDM0MC5wbmeRkwUsLN4AAqEwBaExAQ" type="image/webp"> <img class="article-author_image" loading="lazy" alt="Maciej Rudke" width="44" height="44" src="https://ocdn.eu/pulscms-transforms/1/65Vk9kpTURBXy83Y2M1NzExNTdmOGJkM2Q3NzYxNmEyMDZhNDQyZDM0MC5wbmeRkwUsLN4AAqEwAaExAQ"> </picture> </a> </div> <div class="article-author_details"> <div class="article-author_text"> <a href="https://businessinsider.com.pl/autorzy/maciej-rudke" class="article-author_name"> Maciej Rudke </a> </div> </div> <div class="article-article_date"> <time datetime="2024-11-22T06:01:51.000Z"> 22 listopada 2024, 7:01. </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%2Ffinanse%2Fmila-niespodzianka-dla-frankowiczow-prawnicy-jednak-sa-sceptyczni%2Fc26b6g4&quote=Mi%C5%82a%20niespodzianka%20dla%20frankowicz%C3%B3w.%20Prawnicy%20jednak%20s%C4%85%20sceptyczni"> <svg class="article-share_button--svg" viewBox="0 0 28 28"> <use xlink:href="#ico-facebook"></use> </svg> </a> <a class="article-share_button" data-section="detail-twitter-icon" target="_blank" rel="noopener noreferrer" aria-label="Twitter/X" href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fbusinessinsider.com.pl%2Ffinanse%2Fmila-niespodzianka-dla-frankowiczow-prawnicy-jednak-sa-sceptyczni%2Fc26b6g4&text=Mi%C5%82a%20niespodzianka%20dla%20frankowicz%C3%B3w.%20Prawnicy%20jednak%20s%C4%85%20sceptyczni"> <svg class="article-share_button--svg" viewBox="0 0 28 28"> <use xlink:href="#ico-twitter"></use> </svg> </a> <a class="article-share_button" data-section="detail-linkedin-icon" aria-label="Linkedin" href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fbusinessinsider.com.pl%2Ffinanse%2Fmila-niespodzianka-dla-frankowiczow-prawnicy-jednak-sa-sceptyczni%2Fc26b6g4&title=Mi%C5%82a%20niespodzianka%20dla%20frankowicz%C3%B3w.%20Prawnicy%20jednak%20s%C4%85%20sceptyczni"> <svg class="article-share_button--svg" viewBox="0 0 28 28"> <use xlink:href="#ico-linkedin"></use> </svg> </a> <a class="article-share_button" data-section="detail-mail-icon" aria-label="Send" href="mailto:?body=Mi%C5%82a%20niespodzianka%20dla%20frankowicz%C3%B3w.%20Prawnicy%20jednak%20s%C4%85%20sceptyczni%20https%3A%2F%2Fbusinessinsider.com.pl%2Ffinanse%2Fmila-niespodzianka-dla-frankowiczow-prawnicy-jednak-sa-sceptyczni%2Fc26b6g4"> <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">Nieustające pasmo sukcesów. Tak w skrócie można podsumować ostatnie lata frankowiczów przed sądami. Mają już na tyle dużą przewagę, że niektóre banki w razie otrzymania pozwu z żądaniem unieważnienia umowy frankowej pozwalają na to, aby kredytobiorca przestał spłacać raty. Prawnicy frankowiczów pozostają sceptyczni i sugerują, jakie rozwiązanie byłoby najlepsze.</p> </div> </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>Orzecznictwo sądowe w sprawach hipotek frankowych jest dla banków bezlitosne. Ok. 98 proc. wyroków jest korzystnych dla kredytobiorców, co skutkuje masowym unieważnianiem umów</strong></li> <li class="article_ul_li"><strong>Przepisy stają się jeszcze korzystniejsze dla konsumentów. Już dotyczy to ustawowych odsetek za opóźnienie, które banki hojnie im płacą, a dodatkowo szykowana jest "ustawa frankowa" </strong></li> <li class="article_ul_li"><strong>Najprawdopodobniej te dwa czynniki powodują, że mBank dobrowolnie wysyła niektórym frankowiczom, z którymi jest w sporze prawnym, listy informujące, że nie muszą spłacać rat </strong></li> <li class="article_ul_li"><a href="https://businessinsider.com.pl/#utm_source=detal&utm_medium=referral&utm_campaign=back_to_businessinsider"><strong>Więcej informacji o biznesie znajdziesz na Businessinsider.com.pl</strong></a></li> </ul> <p class="article_p" data-section="detail-body">Frankowicze mBanku mogą być pozytywnie zaskoczeni. Z informacji płynących od reprezentujących kredytobiorców kancelarii prawnych wynika, że bank wysyła pisma, w którym oferuje możliwość zawieszenia płatności rat kapitałowo-odsetkowych kredytu.</p> <p class="article_p" data-section="detail-body">Zaskakujące jest to, że <strong>mówimy o sytuacjach, w których kredytobiorcy formalnie nie wystąpili o zabezpieczenie powództwa poprzez wstrzymanie pobierania rat</strong>. </p> <div id="content-premium-offer" class="contentPremiumOffer"></div> <div class="contentPremium" style="display:none;" > <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/gospodarka/maleje-niepewnosc-w-sprawie-inflacji-tak-zmienia-sie-droga-do-obnizek-stop-w-polsce/mgyfv2z"> <div class="related_articles-article_box"> <div class="related_articles-article_title"> <div class="related_articles-label"> <span class="related_articles-category">Gospodarka</span> </div> <h3 class="related_articles-article_title--header"> Maleje niepewność w sprawie inflacji. Tak zmienia się droga do obniżek stóp w Polsce </h3> <div class="related_articles-article_info"> <span class="related_articles-article_author"> Maciej Rudke </span> </div> </div> <div class="related_articles-article_image_container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/_pUk9kpTURBXy9kMmE2ZGNlMTk2ZTA0NGY3OTE3M2E5MDAzZTViODY3NS5qcGeSlQMAzKbNFMHNC6yTBcx4zHjeAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/z1Sk9kpTURBXy9kMmE2ZGNlMTk2ZTA0NGY3OTE3M2E5MDAzZTViODY3NS5qcGeSlQMAzKbNFMHNC6yTBcx4zHjeAAKhMAWhMQE" type="image/webp"> <img class="related_articles-article_image teaserImage" loading="lazy" width="120" height="120" alt="Maleje niepewność w sprawie inflacji. Tak zmienia się droga do obniżek stóp w Polsce" src="https://ocdn.eu/pulscms-transforms/1/Fx8k9kpTURBXy9kMmE2ZGNlMTk2ZTA0NGY3OTE3M2E5MDAzZTViODY3NS5qcGeSlQMAzKbNFMHNC6yTBcx4zHjeAAKhMAGhMQE"> </picture> </div> </div> </a> <span class="related_articles-separator"></span> <a class="related_articles-article_element" href="https://businessinsider.com.pl/finanse/frankowicze-zdumieni-banki-zadaja-zaplaty-nawet-od-osob-ktore-nie-poszly-do-sadu/87k3xjg"> <div class="related_articles-article_box"> <div class="related_articles-article_title"> <div class="related_articles-label"> <span class="related_articles-category">Finanse</span> </div> <h3 class="related_articles-article_title--header"> Bank chce od frankowiczów zwrotu pieniędzy. Nawet od tych, którzy nie poszli do sądu </h3> <div class="related_articles-article_info"> <span class="related_articles-article_author"> Maciej Rudke </span> </div> </div> <div class="related_articles-article_image_container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/35_k9kpTURBXy9jNDhlZjgyZDk3YmQxMzkxYmQwN2YzNzI4OGNhNTIzOS5qcGeSlQMDzQHpzRorzQ67kwXMeMx43gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/hJUk9kpTURBXy9jNDhlZjgyZDk3YmQxMzkxYmQwN2YzNzI4OGNhNTIzOS5qcGeSlQMDzQHpzRorzQ67kwXMeMx43gACoTAFoTEB" type="image/webp"> <img class="related_articles-article_image teaserImage" loading="lazy" width="120" height="120" alt="Bank chce od frankowiczów zwrotu pieniędzy. Nawet od tych, którzy nie poszli do sądu" src="https://ocdn.eu/pulscms-transforms/1/vCPk9kpTURBXy9jNDhlZjgyZDk3YmQxMzkxYmQwN2YzNzI4OGNhNTIzOS5qcGeSlQMDzQHpzRorzQ67kwXMeMx43gACoTABoTEB"> </picture> </div> </div> </a> </div> </div> <p class="article_p" data-section="detail-body">Warto wspomnieć, że będący w sporze prawnym frankowicze bardzo często uzyskują możliwość niepłacenia rat, ale najpierw muszą złożyć stosowny wniosek. Dlatego ruch mBanku na pierwszy rzut oka może nieco dziwić.</p> <h2 class="article_heading"> Bank sam proponuje zawieszenie płatności frankowych rat </h2> <p class="article_p" data-section="detail-body">mBank w przykładowym piśmie dla frankowicza (fragment publikujemy poniżej) przypomina, że jeśli sąd unieważni umowę, strony będą musiały się rozliczyć: bank zwróci konsumentowi wpłacone raty kapitałowo-odsetkowe, żądając jednocześnie zwrotu kapitału. <strong>Bank informuje, że godzi się, aby w celu ułatwienia przyszłych rozliczeń konsument wstrzymał się z płatnościami miesięcznych rat</strong>.</p> <p class="article_p" data-section="detail-body"><strong>Zobacz też: </strong><a href="https://businessinsider.com.pl/finanse/banki-coraz-czesciej-rzucaja-recznik-w-bataliach-z-frankowiczami-nowy-trend/c58tdcm" id="88ccd5e5-a156-4504-8b64-21a85a47c893"><strong>Banki coraz częściej rzucają ręcznik w bataliach z frankowiczami</strong></a></p> <p class="article_p" data-section="detail-body">"Do czasu rozstrzygnięcia sprawy bank nie będzie podejmował żadnych działań upominawczych i windykacyjnych względem Pana, w tym czasie nie będziemy obciążali Pana rachunku należnościami wynikającymi z rat kapitałowo-odsetkowych z tytułu umowy" – wskazuje mBank.</p> <p class="article_p" data-section="detail-body">"W związku z tym prosimy, aby nie stawiał Pan do dyspozycji banku kwoty potrzebnej do zapłaty rat. Bank nie będzie pobierał z Pana rachunku żadnych kwot na poczet rat kapitałowo-odsetkowych" – czytamy w piśmie. Jednocześnie bank informuje frankowicza, że zdecydował się wystąpić z pozwem o zwrot kapitału kredytu (<a href="https://businessinsider.com.pl/finanse/frankowicze-zdumieni-banki-zadaja-zaplaty-nawet-od-osob-ktore-nie-poszly-do-sadu/87k3xjg" id="0554d603-dc6b-4c7f-8a9e-6ff2cb55a824">to standardowe działanie podejmowane przez banki w celu zabezpieczenia się przed przedawnieniem tego roszczenia</a>).</p> <p class="article_p" data-section="detail-body">W piśmie mBank wskazuje, że gdyby jednak sąd nie podzielił stanowiska frankowicza o nieważności umowy, to po uprawomocnieniu się takiego wyroku byłoby konieczne przeprowadzenie rozliczeń przy założeniu, że umowa była ważna. Informuje jednak, że nie oczekiwałby w takiej sytuacji zapłaty dodatkowy odsetek za okres, w którym klient wstrzymał się z płatnością rat.</p> <h2 class="article_heading"> Z czego wynika przyjaźniejsze nastawienie banku? </h2> <p class="article_p" data-section="detail-body">"Część klientów, pozostających w sporze sądowym z mBankiem, otrzymuje pisma, w których informujemy o możliwości zawieszenia spłat rat kapitałowo-odsetkowych" — przyznaje biuro prasowe mBanku, poproszone przez nas o komentarz w tej sprawie.</p> <p class="article_p" data-section="detail-body">— Z punktu widzenia kredytobiorców inicjatywa mBanku wydaje się korzystna, zwłaszcza w sprawach, w których sami zawnioskowali w ramach prowadzonego postępowania sądowego o zawieszenie płatności rat kredytu do zakończenia postępowania i uzyskania korzystnego wyroku. Wprawdzie sądy coraz częściej przyznają klientom takie zabezpieczenia, to jednak wymaga to podjęcia czynności przez sąd I instancji, a co do zasady także sąd II instancji, jeśli było składane zażalenie, co wydłuża cały proces – komentuje Paweł Wójcik, prezes Votum Finance Help.</p> <figure class="article_image"> <div class="teaser-image_container teaser-image_container--with-placeholder" style="padding-top: 95.86956521739131%"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/inJk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNA5gA3gACoTAGoTEB, https://ocdn.eu/pulscms-transforms/1/lzIk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNBWQA3gACoTAGoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/IP4k9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNBzAA3gACoTAGoTEB 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/wvzk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNA5gA3gACoTAFoTEB, https://ocdn.eu/pulscms-transforms/1/gtOk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNBWQA3gACoTAFoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/1Mhk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNBzAA3gACoTAFoTEB 2x" type="image/webp"> <img loading="lazy" class="article-image_container--img" id="image_5ab728aa-bacb-4786-8a90-e3347f5d3cf1" alt="Fragment pisma, który mBank wysłał do jednego z frankowiczów." src="https://ocdn.eu/pulscms-transforms/1/vkjk9kpTURBXy8zZWI0ZDllMmJkYzA4MTY2MmM3ZDAwN2M2NDhkZWU4OC5wbmeRkwLNA5gA3gACoTABoTEB"> </picture> </div> <figcaption class="article-image_caption"> Fragment pisma, który mBank wysłał do jednego z frankowiczów. <span class="article-image_source"> <span class="article-copyright_separator">|</span> <span>źródło własne</span> </span> </figcaption> </figure> <p class="article_p" data-section="detail-body">mBank przekonuje, że celem jest jak najszybsze zamknięcie kwestii kredytów frankowych. "<strong>Ta propozycja to krok w stronę uproszczenia prowadzonych sporów sądowych, ułatwienia wzajemnych rozliczeń między klientem a bankiem i zmniejszenia ponoszonych przez instytucję kosztów</strong>. W znacznej części spraw, w toku postępowania, klienci otrzymują postanowienie o zawieszeniu spłacania rat. Automatyczne zawieszenie w przypadku sporu sądowego zakłada również propozycja ustawy przygotowana przez resort sprawiedliwości. Wychodzimy naprzeciw tym rozwiązaniom i już teraz informujemy klientów o takiej możliwości" — wskazuje mBank.</p> <p class="article_p" data-section="detail-body"><strong>Zobacz też: </strong><a href="https://businessinsider.com.pl/prawo/czy-ugoda-frankowicza-z-bankiem-jest-opodatkowana-jedno-slowo-moze-kosztowac-tysiace/6bjfezs" id="b6786ca3-50ec-4168-97a2-5da135321516"><strong>Jak nie wpaść w bankową pułapkę? "Jedno słowo może kosztować tysiące"</strong></a></p> <p class="article_p" data-section="detail-body">Jednym z kluczowych motywów banku w zakresie ułatwienia rozliczeń i zmniejszenia swoich kosztów są<strong> odsetki ustawowe za opóźnienie</strong> (obecnie są wysokie i wynoszą 11,25 proc. w skali roku). Postępowania sądowe mogą trwać latami, więc ograniczając kwotę, którą bank musiałby zwrócić klientowi w razie unieważnienia umowy, oraz skracając czas naliczania odsetek, instytucja zmniejsza swoje koszty.</p> <p class="article_p" data-section="detail-body">Z kolei wspomniana ustawa to <a href="https://businessinsider.com.pl/prawo/banki-proponuja-frankowiczom-ugody-nowe-przepisy-w-drodze/zt3rz69" id="7d8f9d12-2382-4456-9ae1-c30e725a6776">efekt prac Ministerstwa Sprawiedliwości, które mają ułatwić i przyśpieszyć frankowe postępowania sądowe</a>. Jedno z przygotowywanych rozwiązań zakłada wydawanie "automatycznego" zabezpieczenia w postaci wstrzymywania obowiązku spłacania rat. Dzięki temu frankowicze nie będą musieli składać odrębnych wniosków w tym zakresie i oczekiwać na prawomocne postawienie sądu. <strong>Najprawdopodobniej wystarczyć ma dostarczenie pozwu bankowi, aby doszło do zawieszenia rat na czas procesu </strong>(rozwiązanie ma objąć również sprawy pozostające w toku).</p> <h2 class="article_heading"> Prawnicy frankowiczów pozostają sceptyczni </h2> <p class="article_p" data-section="detail-body">Paweł Wójcik zwraca uwagę, że tylko prawomocne postanowienie sądu o zabezpieczeniu w postaci zawieszenia rat wiąże strony i ma charakter trwały, czego nie jego zdaniem można powiedzieć o pismach wysyłanych przez bank. — W takiej korespondencji mBank sam wskazuje, że pismo ma jedynie charakter informacyjny. Nie ma zatem 100 proc. pewności, że na jakimś etapie bank zmieni swoje zdanie w tym zakresie i powróci do pobierania rat kapitałowo-odsetkowych – zastanawia się prezes Votum Finance Help.</p> <p class="article_p" data-section="detail-body">Dlatego w jego ocenie pismo takie jak to przez nas opisywane może niewiele zmieniać w sytuacji klientów. — W związku z tym radzimy im, aby mimo wszystko utrzymywali na swoich rachunkach bankowych taki stan środków, który pozwala bankowi na comiesięczne pobieranie rat i jednocześnie, żeby zachowali historię konta, która to potwierdza. Dyskusyjne bowiem jest to, czy bank ma możliwość zmiany warunków umownych w zakresie karencji w spłacie kredytu tylko na podstawie jednostronnego oświadczenia woli pracownika banku. Nie mamy też pełnej wiedzy, czy pracownik ten posiada umocowanie zarządu banku do działania w tym zakresie. Jeśli już, wymagałoby to raczej zawarcia aneksu modyfikującego zasady wykonywania umowy kredytu — tłumaczy Paweł Wójcik.</p> <p class="article_p" data-section="detail-body"><strong>Zobacz też: </strong><a href="https://businessinsider.com.pl/finanse/rzad-przyjal-stanowisko-w-sprawie-wibor-u-oto-jego-argumenty-dla-tsue/8qs4pzq" id="02b66af0-62fe-48b7-8ebe-399dc227b26e"><strong>Oto stanowisko rządu dla TSUE w sprawie dotyczącej hipotek ze stawkami WIBOR</strong></a></p> <p class="article_p" data-section="detail-body">Jego wątpliwości budzi również to, że zawieszenia dotyczą także kredytobiorców, którzy o to nie wnioskowali, zatem w jakiejś części może to dotyczyć osób, które świadomie podjęły taką decyzję, np. z powodu faktu, że nominalnie ich wpłaty nie przekroczyły jeszcze wartości udzielonego kapitału i wolą nadal spłacać raty w trakcie trwania postępowania sądowego.</p> <p class="article_p" data-section="detail-body">— Na końcu trzeba pamiętać o tym, jaki cel ma w tym mBank, żeby samodzielnie i arbitralnie podejmować taką decyzję. Ponieważ w dalszej części pisma jest dodana informacja, że niniejsze pismo jest zapowiedzią wytoczenia powództwa o zwrot kapitału, dlatego zawieszenie rat przez bank z konkretną datą ma finalnie ułatwić mu proces rozliczenia się z klientem po zakończeniu obu postępowań – dodaje ekspert.</p> <h2 class="article_heading"> Mniej pozwów, więcej ugód. Frankowy portfel się kurczy </h2> <p class="article_p" data-section="detail-body">mBank w komentarzu dla naszej redakcji przypomina, że nieustannie ponawia propozycje ugodowe. "Jesteśmy przekonani, że porozumienie jest dla obu stron rozwiązaniem szybszym i lepszym od toczenia wieloletnich sporów prawnych. Dotychczas zawarliśmy ponad 21 tys. ugód, ich liczba przekroczyła więc liczbę toczących się spraw sądowych" — wskazuje bank.</p> <p class="article_p" data-section="detail-body">Ponad 21 tys. ugód to stan na teraz. Z kolei na koniec września, jak wynika z raportu za III kwartał, miał podpisanych 19 519 porozumień, z czego w samym III kwartale zawarto ich 2,5 tys., a w II kwartale 1,85 tys.</p> <figure class="article_image"> <div class="teaser-image_container teaser-image_container--with-placeholder" style="padding-top: 51.19565217391304%"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/PvIk9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNA5gA3gACoTAGoTEB, https://ocdn.eu/pulscms-transforms/1/Lnak9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNBWQA3gACoTAGoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/FBVk9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNBzAA3gACoTAGoTEB 2x" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/XR7k9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNA5gA3gACoTAFoTEB, https://ocdn.eu/pulscms-transforms/1/mlOk9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNBWQA3gACoTAFoTEB 1.5x, https://ocdn.eu/pulscms-transforms/1/0gEk9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNBzAA3gACoTAFoTEB 2x" type="image/webp"> <img loading="lazy" class="article-image_container--img" id="image_e55017bb-7d4e-4c26-a2d3-5cdd446e7e4c" alt="W III kwartale 2024 r. mBank miał 1259 nowych pozwów frankowych, mniej o 16 proc. niż kwartał i o 46 proc. niż rok temu. W tym czasie zawarł 2503 ugód. " src="https://ocdn.eu/pulscms-transforms/1/y9pk9kpTURBXy85NjA5ZDM5MzdkZDFiMTIyNTRiOGJmZjY4YjU2NmQ3Mi5wbmeRkwLNA5gA3gACoTABoTEB"> </picture> </div> <figcaption class="article-image_caption"> W III kwartale 2024 r. mBank miał 1259 nowych pozwów frankowych, mniej o 16 proc. niż kwartał i o 46 proc. niż rok temu. W tym czasie zawarł 2503 ugód. <span class="article-image_source"> <span class="article-copyright_separator">|</span> <span>mBank</span> </span> </figcaption> </figure> <p class="article_p" data-section="detail-body">Jednocześnie bank odnotował spadek liczby nowych i toczących się spraw sądowych dotyczących franków. To jeden z pierwszych takich przypadków w polskim sektorze bankowym, pokazujący, że przesilenie w tym zakresie prawdopodobnie już nastąpiło. W III kwartale do mBanku napłynęło 1,26 tys. nowych pozwów w porównaniu do prawie 1,49 tys. w II kwartale. Liczba toczących się spraw zmalała przez kwartał o 2,11 tys., do 19,51 tys. na koniec września. Czynnych umów frankowych było wtedy 20,17 tys., z czego 76 proc. było objętych pozwami sądowymi.</p> <p class="article_p" data-section="detail-body"><em>Autor: Maciej Rudke, dziennikarz Business Insider Polska</em></p> </div> </section> <section class="main whitelistPremium "> </section> <section class="main gallery contentPremium " style="display:none;" > </section> <section class="all-columns-wide gallery contentPremium " style="display:none;" > <div class="grid-container grid-base-system"> </div> <span data-article-end></span> </section> <section class="all-columns-wide "> <div class="article--big-stories"> <section class="main"> <aside class="placeholder" style="padding-top:220px;" data-run-module="local/main.simpleAd" data-configuration="{"slotName":"flat-leadbanner","placeholderHiding":true,"enabled":true,"displayIndex":8}" ></aside> <div class="follow-us"> <em>Dziękujemy, że przeczytałaś/eś nasz artykuł do końca. </em> <div> <em>Bądź na bieżąco! </em> <a 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Mówi, że zawdzięcza im swój sukces </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-16T07:52:49.000Z"> wczoraj 08:52 </time> <span class="item_author"> Kathleen Elkins </span> </div> </div> </a> <a href="https://businessinsider.com.pl/biznes/o-rewolucji-ktora-zmieni-zasady-gry-ale-tez-o-cenach-najdrozszych-modeli-tylko-u-nas/ex05dtc" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/EBGk9kpTURBXy84YmU3ZjgyM2IzYWJhNDUzYTRlNTM3YmM3YTQ0Y2ZiNS5wbmeSlQMAAM0D4M0CLpMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/bwtk9kpTURBXy84YmU3ZjgyM2IzYWJhNDUzYTRlNTM3YmM3YTQ0Y2ZiNS5wbmeSlQMAAM0D4M0CLpMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="O rewolucji, która zmieni zasady gry, ale też o cenach najdroższych modeli. Tylko u nas prezes BMW [WYWIAD]" src="https://ocdn.eu/pulscms-transforms/1/WpHk9kpTURBXy84YmU3ZjgyM2IzYWJhNDUzYTRlNTM3YmM3YTQ0Y2ZiNS5wbmeSlQMAAM0D4M0CLpMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Biznes </span> </div> <h3 class="item_title"> O rewolucji, która zmieni zasady gry, ale też o cenach najdroższych modeli. Tylko u nas prezes BMW [WYWIAD] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-16T06:00:00.000Z"> wczoraj 07:00 </time> <span class="item_author"> Mikołaj Kunica </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/po-urodzeniu-dziecka-stracilam-swoja-tozsamosc-zaluje-ze-nie-skupilam-sie-bardziej-na/wty66hg" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/65ik9kpTURBXy9kMTgwNjNiNWRlNDI2NDg0NmNhNWNiZTA5Y2EzYzM1YS5qcGeSlQMAzJ3NE9DNCyWTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/mFWk9kpTURBXy9kMTgwNjNiNWRlNDI2NDg0NmNhNWNiZTA5Y2EzYzM1YS5qcGeSlQMAzJ3NE9DNCyWTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Po urodzeniu dziecka straciłam swoją tożsamość. Żałuję, że nie skupiłam się bardziej na sobie" src="https://ocdn.eu/pulscms-transforms/1/BMbk9kpTURBXy9kMTgwNjNiNWRlNDI2NDg0NmNhNWNiZTA5Y2EzYzM1YS5qcGeSlQMAzJ3NE9DNCyWTBc0Bqczv3gACoTABoTEB"> </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"> Po urodzeniu dziecka straciłam swoją tożsamość. Żałuję, że nie skupiłam się bardziej na sobie </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-15T19:28:26.000Z"> sobota 20:28 </time> <span class="item_author"> Jamie Davis Smith, Mateusz Albin, pas </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/co-dalej-z-syria-rosja-traci-wplywy-usa-rozwazaja-wycofanie-analiza/k6qveey" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/rmXk9kpTURBXy83NGJiZWMwM2NhOTdiMGY0YTEyZjYxYTVkZTIyYjk0Zi5qcGeSlQMAzMbNB9DNBGWTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/80Yk9kpTURBXy83NGJiZWMwM2NhOTdiMGY0YTEyZjYxYTVkZTIyYjk0Zi5qcGeSlQMAzMbNB9DNBGWTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Co dalej z Syrią? Rosja traci wpływy, USA rozważają wycofanie [ANALIZA]" src="https://ocdn.eu/pulscms-transforms/1/_zhk9kpTURBXy83NGJiZWMwM2NhOTdiMGY0YTEyZjYxYTVkZTIyYjk0Zi5qcGeSlQMAzMbNB9DNBGWTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Co dalej z Syrią? Rosja traci wpływy, USA rozważają wycofanie [ANALIZA] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-15T10:14:59.000Z"> sobota 11:14 </time> <span class="item_author"> Paul Iddon </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/zwierzeta-panikuja-przez-powroty-do-biur-wielu-wlascicieli-zawalilo-temat/5kf4tqw" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Covk9kpTURBXy85MzBjZTY2MTU0ZGJlZTFjNjBmYWIzOGFhNTAyZjhmZS5qcGeSlQPMSQDNBFXNAnCTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/IdDk9kpTURBXy85MzBjZTY2MTU0ZGJlZTFjNjBmYWIzOGFhNTAyZjhmZS5qcGeSlQPMSQDNBFXNAnCTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Zwierzęta panikują przez powroty do biur. "Psy nie wiedzą, jak być psem"" src="https://ocdn.eu/pulscms-transforms/1/kfDk9kpTURBXy85MzBjZTY2MTU0ZGJlZTFjNjBmYWIzOGFhNTAyZjhmZS5qcGeSlQPMSQDNBFXNAnCTBc0Bqczv3gACoTABoTEB"> </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"> Zwierzęta panikują przez powroty do biur. "Psy nie wiedzą, jak być psem" </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-15T05:18:43.000Z"> sobota 06:18 </time> <span class="item_author"> Emily Stewart </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/oto-najbezpieczniejsze-kraje-do-pracy-i-zycia-dla-ekspatow-ranking/g6jfw89" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/NbSk9kpTURBXy9mYjBlMGU3OGIwODUyYjlhNjYyMDRkMjAzM2QxNjM1Zi5qcGeSlQMAzKfNCa3NBXKTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/wpok9kpTURBXy9mYjBlMGU3OGIwODUyYjlhNjYyMDRkMjAzM2QxNjM1Zi5qcGeSlQMAzKfNCa3NBXKTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Oto najbezpieczniejsze kraje do pracy i życia dla ekspatów [RANKING]" src="https://ocdn.eu/pulscms-transforms/1/T83k9kpTURBXy9mYjBlMGU3OGIwODUyYjlhNjYyMDRkMjAzM2QxNjM1Zi5qcGeSlQMAzKfNCa3NBXKTBc0Bqczv3gACoTABoTEB"> </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"> Oto najbezpieczniejsze kraje do pracy i życia dla ekspatów [RANKING] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-15T05:05:51.000Z"> sobota 06:05 </time> <span class="item_author"> Joshua Nelken-Zitser </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/opinie/zalewaja-pozar-benzyna-sedzia-krytycznie-o-projektach-dla-sedziow-opinia/r0yzrsy" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/G3ek9kpTURBXy9lMmQxYzFiOGE1NTAzYjQ0MWQyNDUxZjMwOGY5Y2M2Ny5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/HJVk9kpTURBXy9lMmQxYzFiOGE1NTAzYjQ0MWQyNDUxZjMwOGY5Y2M2Ny5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Sędziowie ustawowi czy konstytucyjni? Te projekty grożą katastrofą [OPINIA]" src="https://ocdn.eu/pulscms-transforms/1/cylk9kpTURBXy9lMmQxYzFiOGE1NTAzYjQ0MWQyNDUxZjMwOGY5Y2M2Ny5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Opinie </span> </div> <h3 class="item_title"> Sędziowie ustawowi czy konstytucyjni? Te projekty grożą katastrofą [OPINIA] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T10:20:00.000Z"> piątek 11:20 </time> <span class="item_author"> Aleksandra Siniecka-Kotula </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/opinie/tsue-stanal-po-stronie-kredytobiorcow-prawnik-ocenia-wyrok/6rpwcc3" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/htAk9kpTURBXy82NTQ0YjZmNzczM2FhMjgzOTdiMWJmZTNmODViMDNiMi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/lsyk9kpTURBXy82NTQ0YjZmNzczM2FhMjgzOTdiMWJmZTNmODViMDNiMi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="TSUE stanął po stronie kredytobiorców. Prawnik ocenia wyrok" src="https://ocdn.eu/pulscms-transforms/1/LeCk9kpTURBXy82NTQ0YjZmNzczM2FhMjgzOTdiMWJmZTNmODViMDNiMi5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Opinie </span> </div> <h3 class="item_title"> TSUE stanął po stronie kredytobiorców. Prawnik ocenia wyrok </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T10:15:00.000Z"> piątek 11:15 </time> <span class="item_author"> DAN </span> </div> </div> </a> <a href="https://businessinsider.com.pl/gielda/wiadomosci/najpierw-narobil-sobie-dlugow-a-teraz-jest-miliarderem-akcje-jego-firmy-skoczyly-o/sb68x7c" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/BYOk9kpTURBXy81YWQ5Mjg1MDk1MmRhY2RiY2ExMzNmNzQzYzc0ZmRmOS5qcGeSlQMAAM0GD80DaJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/EXrk9kpTURBXy81YWQ5Mjg1MDk1MmRhY2RiY2ExMzNmNzQzYzc0ZmRmOS5qcGeSlQMAAM0GD80DaJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Najpierw narobił sobie długów, a teraz jest miliarderem. Akcje jego firmy skoczyły o 700 proc." src="https://ocdn.eu/pulscms-transforms/1/rXTk9kpTURBXy81YWQ5Mjg1MDk1MmRhY2RiY2ExMzNmNzQzYzc0ZmRmOS5qcGeSlQMAAM0GD80DaJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Giełda </span> </div> <h3 class="item_title"> Najpierw narobił sobie długów, a teraz jest miliarderem. Akcje jego firmy skoczyły o 700 proc. </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T06:09:45.000Z"> piątek 07:09 </time> <span class="item_author"> Grzegorz Kubera </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/coraz-blizej-rozejmu-w-ukrainie-oto-co-to-dla-nas-oznacza/q5676md" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/z24k9kpTURBXy8yYWNhNTU1MmY0ZWZlMmQwZWU0MWY2OGE5YjVhODBjMC5qcGeSlQMAJ80H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/bl5k9kpTURBXy8yYWNhNTU1MmY0ZWZlMmQwZWU0MWY2OGE5YjVhODBjMC5qcGeSlQMAJ80H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Coraz bliżej rozejmu w Ukrainie. Oto co to może oznaczać dla Polski [ANALIZA]" src="https://ocdn.eu/pulscms-transforms/1/vYzk9kpTURBXy8yYWNhNTU1MmY0ZWZlMmQwZWU0MWY2OGE5YjVhODBjMC5qcGeSlQMAJ80H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Coraz bliżej rozejmu w Ukrainie. Oto co to może oznaczać dla Polski [ANALIZA] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T06:07:00.000Z"> piątek 07:07 </time> <span class="item_author"> Mateusz Madejski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/technologie/nowe-technologie/drugie-dno-inwestycji-google-w-polsce-tusk-moze-nie-miec-zbyt-mocnych-kart/k294qv6" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Volk9kpTURBXy9hMGZlYmM0NDQyODkyNWRmNDIxY2VlNzM3M2FhNTA2YS5qcGeSlQPNAW0AzQRHzQJokwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/vKFk9kpTURBXy9hMGZlYmM0NDQyODkyNWRmNDIxY2VlNzM3M2FhNTA2YS5qcGeSlQPNAW0AzQRHzQJokwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Drugie dno kuriozalnej inwestycji Google? Sprawa może być bardziej skomplikowana [OPINIA]" src="https://ocdn.eu/pulscms-transforms/1/1f4k9kpTURBXy9hMGZlYmM0NDQyODkyNWRmNDIxY2VlNzM3M2FhNTA2YS5qcGeSlQPNAW0AzQRHzQJokwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Nowe technologie </span> </div> <h3 class="item_title"> Drugie dno kuriozalnej inwestycji Google? Sprawa może być bardziej skomplikowana [OPINIA] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T05:28:21.000Z"> piątek 06:28 </time> <span class="item_author"> Grzegorz Kowalczyk </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/podatki/jak-uzyskac-ulge-podatkowa-po-powrocie-do-polski/rtplgqg" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/aOQk9kpTURBXy9lNWZlNjFjYmMyNzFmMWEzYzUzYzczZDI5ODFlOTcwNi5qcGeSlQMAzQHFzRlDzQ42kwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/imck9kpTURBXy9lNWZlNjFjYmMyNzFmMWEzYzUzYzczZDI5ODFlOTcwNi5qcGeSlQMAzQHFzRlDzQ42kwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Fiskus ma prezent dla Polaków deportowanych z USA, ale też innych, którzy u nas się osiedlą" src="https://ocdn.eu/pulscms-transforms/1/2oyk9kpTURBXy9lNWZlNjFjYmMyNzFmMWEzYzUzYzczZDI5ODFlOTcwNi5qcGeSlQMAzQHFzRlDzQ42kwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Podatki </span> </div> <h3 class="item_title"> Fiskus ma prezent dla Polaków deportowanych z USA, ale też innych, którzy u nas się osiedlą </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T05:24:28.000Z"> piątek 06:24 </time> <span class="item_author"> Łukasz Zalewski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/kulisy-szemranego-swiata-kryptowalut-celebrytow-tak-ludzie-wtapiaja-oszczednosci/0j0q5nv" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/mWKk9kpTURBXy9mM2FiNTA4Y2FmN2I1MjJmNDQxNGFjOWZhZjNhM2RjNC5qcGeSlQMAzFDND5DNCMOTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/48Mk9kpTURBXy9mM2FiNTA4Y2FmN2I1MjJmNDQxNGFjOWZhZjNhM2RjNC5qcGeSlQMAzFDND5DNCMOTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Kulisy szemranego świata kryptowalut celebrytów. Tak ludzie wtapiają oszczędności" src="https://ocdn.eu/pulscms-transforms/1/EpJk9kpTURBXy9mM2FiNTA4Y2FmN2I1MjJmNDQxNGFjOWZhZjNhM2RjNC5qcGeSlQMAzFDND5DNCMOTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Kulisy szemranego świata kryptowalut celebrytów. Tak ludzie wtapiają oszczędności </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-14T05:12:21.000Z"> piątek 06:12 </time> <span class="item_author"> David Kushner </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/chinskie-konstrukcje-na-morzu-zoltym-korea-poludniowa-podnosi-alarm/8cr0tgd" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/KXBk9kpTURBXy9hNzRhMjhiYTI1ODUwMzQxODE2M2NiMTZlNWYwN2IwZS5wbmeSlQMAHs0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/445k9kpTURBXy9hNzRhMjhiYTI1ODUwMzQxODE2M2NiMTZlNWYwN2IwZS5wbmeSlQMAHs0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt=""Rozlewają się jak plamy atramentu". Korea Płd. podnosi alarm w sprawie chińskich konstrukcji" src="https://ocdn.eu/pulscms-transforms/1/IZWk9kpTURBXy9hNzRhMjhiYTI1ODUwMzQxODE2M2NiMTZlNWYwN2IwZS5wbmeSlQMAHs0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> "Rozlewają się jak plamy atramentu". Korea Płd. podnosi alarm w sprawie chińskich konstrukcji </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-13T06:15:49.000Z"> czwartek 07:15 </time> <span class="item_author"> Michael Peck </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/jak-czytac-mowe-ciala-swoich-pracownikow-to-bezcenna-wiedza-dla-menedzerow/2ksbxst" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/-bFk9kpTURBXy85MzFhYWI1ODNjYjJhYzQxYzM3MmFjNjAyMWUzZTAyMC5qcGeSlQMAzQF8zRpAzQ7FkwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/MsUk9kpTURBXy85MzFhYWI1ODNjYjJhYzQxYzM3MmFjNjAyMWUzZTAyMC5qcGeSlQMAzQF8zRpAzQ7FkwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Jak czytać mowę ciała swoich pracowników? To bezcenna wiedza dla menedżerów" src="https://ocdn.eu/pulscms-transforms/1/Pylk9kpTURBXy85MzFhYWI1ODNjYjJhYzQxYzM3MmFjNjAyMWUzZTAyMC5qcGeSlQMAzQF8zRpAzQ7FkwXNAanM794AAqEwAaExAQ"> </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"> Jak czytać mowę ciała swoich pracowników? To bezcenna wiedza dla menedżerów </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-13T06:13:38.000Z"> czwartek 07:13 </time> <span class="item_author"> Handelszeitung </span> </div> </div> </a> <a href="https://businessinsider.com.pl/finanse/sporne-oplaty-dla-kancelarii-frankowych-kredytobiorcy-nie-chca-placic-za-ugody/fjyb58y" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Uy3k9kpTURBXy84OWU4NWFlNDE1MGZiMzE5ZDE3ZDVkZmU2NGEyOGUxOC5qcGeSlQMAzM3NGcPNDoGTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/U6ok9kpTURBXy84OWU4NWFlNDE1MGZiMzE5ZDE3ZDVkZmU2NGEyOGUxOC5qcGeSlQMAzM3NGcPNDoGTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Sporne opłaty dla kancelarii frankowych. Kredytobiorcy nie chcą płacić za ugody" src="https://ocdn.eu/pulscms-transforms/1/3bkk9kpTURBXy84OWU4NWFlNDE1MGZiMzE5ZDE3ZDVkZmU2NGEyOGUxOC5qcGeSlQMAzM3NGcPNDoGTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Finanse </span> </div> <h3 class="item_title"> Sporne opłaty dla kancelarii frankowych. Kredytobiorcy nie chcą płacić za ugody </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-13T05:23:52.000Z"> czwartek 06:23 </time> <span class="item_author"> Maciej Rudke </span> </div> </div> </a> <a href="https://businessinsider.com.pl/finanse/rewolucyjne-zmiany-w-regulacjach-sponsoringu-sportowego/8wmff4r" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/oeWk9kpTURBXy84MTg4MTU1MTcxOWMwMjllMTc4YjRmOWQ3NWYwMDMxZS5qcGeSlQMAL80H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/vDPk9kpTURBXy84MTg4MTU1MTcxOWMwMjllMTc4YjRmOWQ3NWYwMDMxZS5qcGeSlQMAL80H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Miliony na sport z państwowych spółek pod lupą. Co dalej ze sponsoringiem? Nadchodzą zmiany" src="https://ocdn.eu/pulscms-transforms/1/Nykk9kpTURBXy84MTg4MTU1MTcxOWMwMjllMTc4YjRmOWQ3NWYwMDMxZS5qcGeSlQMAL80H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Finanse </span> </div> <h3 class="item_title"> Miliony na sport z państwowych spółek pod lupą. Co dalej ze sponsoringiem? Nadchodzą zmiany </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-13T05:10:39.000Z"> czwartek 06:10 </time> <span class="item_author"> Bartek Godusławski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/podatki/pit-39-sprzedales-mieszkanie-w-2024-r-rozlicz-sie-i-skorzystaj-z-ulgi/e36em7y" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/Tegk9kpTURBXy8zMWY5NzJmZDM4NmU1NjA1MjgzNTUwNDQxYTI0YWYwZS5qcGeSlQMAzQFPzRYTzQxqkwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/hwCk9kpTURBXy8zMWY5NzJmZDM4NmU1NjA1MjgzNTUwNDQxYTI0YWYwZS5qcGeSlQMAzQFPzRYTzQxqkwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="PIT-39. Sprzedałeś mieszkanie w 2024 r.? Sprawdź, jak skorzystać z ulgi i nie zapłacić podatku" src="https://ocdn.eu/pulscms-transforms/1/Ptdk9kpTURBXy8zMWY5NzJmZDM4NmU1NjA1MjgzNTUwNDQxYTI0YWYwZS5qcGeSlQMAzQFPzRYTzQxqkwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Podatki </span> </div> <h3 class="item_title"> PIT-39. Sprzedałeś mieszkanie w 2024 r.? Sprawdź, jak skorzystać z ulgi i nie zapłacić podatku </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-13T05:00:00.000Z"> czwartek 06:00 </time> <span class="item_author"> Łukasz Zalewski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/zakulisowa-gra-w-usa-wielkie-firmy-probuja-powstrzymac-deportacyjne-plany-trumpa/1fpqsl1" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/TCRk9kpTURBXy83ODBkMzQzZGZlMDc4NjdmYTRkM2I2YTg5NzUxMTU4OS5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/7-ck9kpTURBXy83ODBkMzQzZGZlMDc4NjdmYTRkM2I2YTg5NzUxMTU4OS5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Tak lobbyści tańczą wokół Donalda Trumpa. Trwa zakulisowa kampania o ratowanie biznesów w USA" src="https://ocdn.eu/pulscms-transforms/1/PV3k9kpTURBXy83ODBkMzQzZGZlMDc4NjdmYTRkM2I2YTg5NzUxMTU4OS5qcGeSlQMAPs0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Tak lobbyści tańczą wokół Donalda Trumpa. Trwa zakulisowa kampania o ratowanie biznesów w USA </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-12T12:09:08.000Z"> środa 13:09 </time> <span class="item_author"> Dave Levinthal </span> </div> </div> </a> <a href="https://businessinsider.com.pl/technologie/nowe-technologie/sprawdzili-czy-sztuczna-inteligencja-zastepuje-ludzi-w-pracy-juz-wszystko-jasne/p0zzcqf" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/tCQk9kpTURBXy8zYmI5OGEwMTFlZDhlZDIzMDAyZGJiNzkyNGU2ZjljYS5qcGeSlQMAB80HPc0EEpMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/8NRk9kpTURBXy8zYmI5OGEwMTFlZDhlZDIzMDAyZGJiNzkyNGU2ZjljYS5qcGeSlQMAB80HPc0EEpMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Sprawdzili, czy sztuczna inteligencja zastępuje ludzi w pracy. Już wszystko jasne [BADANIE]" src="https://ocdn.eu/pulscms-transforms/1/8jqk9kpTURBXy8zYmI5OGEwMTFlZDhlZDIzMDAyZGJiNzkyNGU2ZjljYS5qcGeSlQMAB80HPc0EEpMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Nowe technologie </span> </div> <h3 class="item_title"> Sprawdzili, czy sztuczna inteligencja zastępuje ludzi w pracy. Już wszystko jasne [BADANIE] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-12T06:24:53.000Z"> środa 07:24 </time> <span class="item_author"> Grzegorz Kubera </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/sankcja-kredytu-darmowego-tak-tsue-moze-zmienic-polskie-prawo/vq7fqpv" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/tJYk9kpTURBXy9kMzJmNzQwODA5MzBjMDJiYjVjMzZjOTUwMDFlZmQzMi5qcGeSlQMAzLrNF3DNDTCTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/0Nik9kpTURBXy9kMzJmNzQwODA5MzBjMDJiYjVjMzZjOTUwMDFlZmQzMi5qcGeSlQMAzLrNF3DNDTCTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Sądny dzień darmowych kredytów. Ten wyrok może mieć podwójną siłę rażenia" src="https://ocdn.eu/pulscms-transforms/1/U2Uk9kpTURBXy9kMzJmNzQwODA5MzBjMDJiYjVjMzZjOTUwMDFlZmQzMi5qcGeSlQMAzLrNF3DNDTCTBc0Bqczv3gACoTABoTEB"> </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"> Sądny dzień darmowych kredytów. Ten wyrok może mieć podwójną siłę rażenia </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-12T06:13:29.000Z"> środa 07:13 </time> <span class="item_author"> Jolanta Ojczyk </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/koniec-wojny-tylko-zaszkodzi-rosji-uzaleznienie-jest-zbyt-mocne/jkydb43" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/3W8k9kpTURBXy8wODVhNmQ1MDlkNjE0MjMxMTU2YmRmZTIxZTRkZTg3Mi5qcGeSlQMAJM0H0M0EZZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/3MSk9kpTURBXy8wODVhNmQ1MDlkNjE0MjMxMTU2YmRmZTIxZTRkZTg3Mi5qcGeSlQMAJM0H0M0EZZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Koniec wojny tylko zaszkodzi Rosji. "Brak pracowników, zacofanie"" src="https://ocdn.eu/pulscms-transforms/1/4eZk9kpTURBXy8wODVhNmQ1MDlkNjE0MjMxMTU2YmRmZTIxZTRkZTg3Mi5qcGeSlQMAJM0H0M0EZZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Koniec wojny tylko zaszkodzi Rosji. "Brak pracowników, zacofanie" </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-12T05:07:59.000Z"> środa 06:07 </time> <span class="item_author"> Jennifer Sor </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/podatki/fundacja-rodzinna-a-optymalizacja-podatkowa-nowe-stanowisko-kas/12serzy" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/nbbk9kpTURBXy83MTQ5MDI1ZmQzM2U2ODIxMjE3Y2U1MjFjNmU2Mzc2NS5qcGeSlQPNAVIAzRMOzQq6kwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/bMQk9kpTURBXy83MTQ5MDI1ZmQzM2U2ODIxMjE3Y2U1MjFjNmU2Mzc2NS5qcGeSlQPNAVIAzRMOzQq6kwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Optymalizacja podatków przez fundację rodzinną? Jest jasny sygnał od fiskusa" src="https://ocdn.eu/pulscms-transforms/1/aZ_k9kpTURBXy83MTQ5MDI1ZmQzM2U2ODIxMjE3Y2U1MjFjNmU2Mzc2NS5qcGeSlQPNAVIAzRMOzQq6kwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Podatki </span> </div> <h3 class="item_title"> Optymalizacja podatków przez fundację rodzinną? Jest jasny sygnał od fiskusa </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-11T06:03:53.000Z"> wtorek 07:03 </time> <span class="item_author"> Łukasz Zalewski </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/co-sie-dzieje-kiedy-nagle-umiera-szef-strabag-wlasnie-sie-z-tym-zmierzyl/3qlvnjl" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/itJk9kpTURBXy9hNGU3Y2MwZmUzNDVmMzRjMDQyYjQyMzEwODgzNGY1Ny5qcGeSlQMCAM0Ens0CmZMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/uNqk9kpTURBXy9hNGU3Y2MwZmUzNDVmMzRjMDQyYjQyMzEwODgzNGY1Ny5qcGeSlQMCAM0Ens0CmZMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Co się dzieje, kiedy nagle umiera szef? Strabag właśnie się z tym zmierzył" src="https://ocdn.eu/pulscms-transforms/1/PHhk9kpTURBXy9hNGU3Y2MwZmUzNDVmMzRjMDQyYjQyMzEwODgzNGY1Ny5qcGeSlQMCAM0Ens0CmZMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Co się dzieje, kiedy nagle umiera szef? Strabag właśnie się z tym zmierzył </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-11T05:05:00.000Z"> wtorek 06:05 </time> <span class="item_author"> Handelszeitung </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/nato-ostrzega-przed-moskiewska-machina-wojenna-niebezpieczna-jak-nigdy-dotad/k9k0bfd" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/JnRk9kpTURBXy9iZTFmMjk2OTg3MWIwNjgzZWMxNGJjNDcyNDI5YmFkOC5qcGeSlQMAzF3NB9DNBGWTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/BOik9kpTURBXy9iZTFmMjk2OTg3MWIwNjgzZWMxNGJjNDcyNDI5YmFkOC5qcGeSlQMAzF3NB9DNBGWTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="NATO ostrzega przed moskiewską machiną wojenną. Niebezpieczna jak nigdy dotąd" src="https://ocdn.eu/pulscms-transforms/1/glRk9kpTURBXy9iZTFmMjk2OTg3MWIwNjgzZWMxNGJjNDcyNDI5YmFkOC5qcGeSlQMAzF3NB9DNBGWTBc0Bqczv3gACoTABoTEB"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> NATO ostrzega przed moskiewską machiną wojenną. Niebezpieczna jak nigdy dotąd </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-11T05:04:00.000Z"> wtorek 06:04 </time> <span class="item_author"> Sinéad Baker </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/rosja-powinna-szykowac-sie-na-nowy-problem-ukraincy-sa-coraz-blizej/p15eqb4" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/vvXk9kpTURBXy9lOTVkM2NhMWYxMTQ5MWEyZTA4MTUyMmYyYmFhZmI1YS5qcGeSlQMCzQG_zRDKzQl0kwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/wFLk9kpTURBXy9lOTVkM2NhMWYxMTQ5MWEyZTA4MTUyMmYyYmFhZmI1YS5qcGeSlQMCzQG_zRDKzQl0kwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Rosja powinna szykować się na nowy problem. 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To musisz wiedzieć, by nie stracić i nie bać się zmian w prawie" src="https://ocdn.eu/pulscms-transforms/1/Mtlk9kpTURBXy9jMGE2ZjIzYjQ0ZDkzNmFmMmM2NmZkNzFkMjdiNDEwMC5qcGeSlQMAAM0HgM0EOJMFzQGpzO_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"> Masz działkę? To musisz wiedzieć, by nie stracić i nie bać się zmian w prawie </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-10T06:04:07.000Z"> 10.02.2025 </time> <span class="item_author"> Jolanta Ojczyk </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/bal-sie-powrotu-do-biura-wiec-poszukal-innej-pracy-teraz-ciagnie-dwa-etaty/wnrzbkx" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/LLzk9kpTURBXy9mODgyOTkxNmE1NWVhYjc2MTYxMDMzYmQ1MDNmZGFjOS5qcGeSlQMAzKXNFMrNC7KTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/Sp5k9kpTURBXy9mODgyOTkxNmE1NWVhYjc2MTYxMDMzYmQ1MDNmZGFjOS5qcGeSlQMAzKXNFMrNC7KTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Bał się powrotu do biura, więc poszukał innej pracy. Teraz ciągnie dwa etaty" src="https://ocdn.eu/pulscms-transforms/1/Tuzk9kpTURBXy9mODgyOTkxNmE1NWVhYjc2MTYxMDMzYmQ1MDNmZGFjOS5qcGeSlQMAzKXNFMrNC7KTBc0Bqczv3gACoTABoTEB"> </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"> Bał się powrotu do biura, więc poszukał innej pracy. Teraz ciągnie dwa etaty </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-10T05:35:30.000Z"> 10.02.2025 </time> <span class="item_author"> Jacob Zinkula </span> </div> </div> </a> <a href="https://businessinsider.com.pl/prawo/opinie/pierwszy-taki-wyrok-w-sprawie-fundacji-rodzinnych-chodzi-o-darowizny-np-na-wosp/x8r2lcn" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/d5Hk9kpTURBXy8wMTU3NTYxZmJmYmI4OTNlYzcyNThjOWU4MmY1ODNhZS5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAahMQE" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/cGJk9kpTURBXy8wMTU3NTYxZmJmYmI4OTNlYzcyNThjOWU4MmY1ODNhZS5qcGeSlQMAAM0HgM0EOJMFzQGpzO_eAAKhMAWhMQE" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Darowizny od fundacji rodzinnej dla WOŚP z podatkiem? 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Tak wynika z kontrowersyjnego wyroku [OPINIA] </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-10T05:19:00.000Z"> 10.02.2025 </time> <span class="item_author"> Monika Grobelska </span> </div> </div> </a> <a href="https://businessinsider.com.pl/technologie/nauka/mikroplastik-w-ludzkich-mozgach-niepokojace-odkrycie-naukowcow/f3klntj" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/q_ik9kpTURBXy9hZDI5N2Y4NmY5NzQzMWY2OWY4MDgyNDY3OWU4MjcwMy5qcGeSlQMAzP7NH_zNEgOTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/ZqNk9kpTURBXy9hZDI5N2Y4NmY5NzQzMWY2OWY4MDgyNDY3OWU4MjcwMy5qcGeSlQMAzP7NH_zNEgOTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Mikroplastik w ludzkich mózgach. 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Futurystyczny samolot z umowami od linii lotniczych </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-09T11:00:57.000Z"> 09.02.2025 </time> <span class="item_author"> Taylor Rains </span> </div> </div> </a> <a href="https://businessinsider.com.pl/lifestyle/paradoks-poznego-macierzynstwa-przedstawicielek-milenialsow/esc2z2g" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/KCHk9kpTURBXy9kMTQ5NzdhMGRjMWQ5NmE0NWUxYzIxZTJhYTA3MjFiYy5qcGeSlQPMSwDNBEfNAmiTBc0Bqczv3gACoTAGoTEB" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/HO4k9kpTURBXy9kMTQ5NzdhMGRjMWQ5NmE0NWUxYzIxZTJhYTA3MjFiYy5qcGeSlQPMSwDNBEfNAmiTBc0Bqczv3gACoTAFoTEB" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Paradoks późnego macierzyństwa. 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Odkrycie NASA oznacza życie poza Ziemią?" src="https://ocdn.eu/pulscms-transforms/1/FFGk9kpTURBXy9kNTNjYTgyMzg3ZjNjYjg3MWVjZWVlNTEwZjdmZDY3ZS5qcGeSlQMAI80ED80CSJMFzQGpzO_eAAKhMAGhMQE"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Nauka </span> </div> <h3 class="item_title"> DNA i RNA na asteroidzie. 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"Nie chodzi tylko o dobrą pracę"" src="https://ocdn.eu/pulscms-transforms/1/TTWk9kpTURBXy9lODlkODJmZjAyMjUxMTUzOTA0M2ExYzZhN2FhYjFhOS5qcGeSlQMAzKrNFWDNDAeTBc0Bqczv3gACoTABoTEB"> </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"> Sześć sposobów na awans lub podwyżkę. "Nie chodzi tylko o dobrą pracę" </h3> <div class="item_date"> <time class="item_time" datetime="2025-02-07T06:13:12.000Z"> 07.02.2025 </time> <span class="item_author"> Madison Hoff </span> </div> </div> </a> <a href="https://businessinsider.com.pl/wiadomosci/rosyjskie-bledne-kolo-kreml-duzo-ryzykuje-by-ratowac-gospodarke-wojenna/9pg1njf" class="list-item list-item item--l item--l--vertical" > <div class="item_image-container"> <picture> <source srcset="https://ocdn.eu/pulscms-transforms/1/cWpk9kpTURBXy83MTA3NDZlMzBlNzM1MDlhN2YyNjE2OTY1N2QzNWZhYy5qcGeSlQMCzQGBzQ_7zQj_kwXNAanM794AAqEwBqExAQ" type="image/avif"> <source srcset="https://ocdn.eu/pulscms-transforms/1/hDMk9kpTURBXy83MTA3NDZlMzBlNzM1MDlhN2YyNjE2OTY1N2QzNWZhYy5qcGeSlQMCzQGBzQ_7zQj_kwXNAanM794AAqEwBaExAQ" type="image/webp"> <img class="item-image" width="425" height="239" loading="lazy" alt="Rosyjskie błędne koło. Kreml dużo ryzykuje, by ratować gospodarkę wojenną" src="https://ocdn.eu/pulscms-transforms/1/Hjjk9kpTURBXy83MTA3NDZlMzBlNzM1MDlhN2YyNjE2OTY1N2QzNWZhYy5qcGeSlQMCzQGBzQ_7zQj_kwXNAanM794AAqEwAaExAQ"> </picture> </div> <div class="item_description"> <div class="item_taxonomy"> <div class="ico-closed-container"></div> <span class="item_category"> Wiadomości </span> </div> <h3 class="item_title"> Rosyjskie błędne koło. 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Miła niespodzianka dla frankowiczów. Prawnicy jednak są sceptyczni