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<!DOCTYPE html><html lang="pl"><head><meta charSet="utf-8"/><meta name="viewport" content="initial-scale=1, width=device-width"/><meta id="redesign"/><meta name="p:domain_verify" content="486176bd1ea30b4b17305e2e042b878b"/><script type="text/javascript">try{const a=t=>{return a=window,e=document,n="script",a[o="uetq"]=a[o]||[],r=function(){var e={ti:""+t,enableAutoSpaTracking:!0};e.q=a[o],a[o]=new UET(e),a[o].push("pageLoad")},(c=e.createElement(n)).src="//bat.bing.com/bat.js",c.async=1,c.onload=c.onreadystatechange=function(){var e=this.readyState;e&&"loaded"!==e&&"complete"!==e||(r(),c.onload=c.onreadystatechange=null)},void(e=e.getElementsByTagName(n)[0]).parentNode.insertBefore(c,e);var a,e,n,o,r,c};Object.defineProperty(window,"uetLoader",{value:a})}catch(e){console.error(e)}</script><script type="text/javascript">window.clarityModule={appendClarityScript:t=>{const e='!function(c,l,a,r,i,t,y){a[c]("metadata",(function(e){function n(){var n=ga.getAll();for(var o in n){var s=n[o];if("UA-2629088-1"===s.get("trackingId")){s.set("dimension53",["https://clarity.microsoft.com/ga",e.projectId,e.userId,e.sessionId].join("/")),s.send("event",{eventCategory:"Clarity",nonInteraction:!0,eventAction:e.sessionId});break}}}try{ga&&ga(n)}catch(e){try{n()}catch(e){}}}));try{var d="dataLayer",g="gtag";a[d]=a[d]||[],a[g]=a[g]||function(){a[d].push(arguments)},a[g]("event","optimize.callback",{callback:function(e,g){a[c]("set","optimizeExp",g+":"+e)}})}catch(e){}if(a[c].v||a[c].t)return a[c]("event",c,"dup."+i.projectId);a[c].t=!0,(t=l.createElement(r)).async=!0,t.src="/static/front/clarity_scripts/js/clarity.js",(y=l.getElementsByTagName(r)[0]).parentNode.insertBefore(t,y),a[c]("start",i),a[c].q.unshift(a[c].q.pop())}("clarity",document,window,"script",{"projectId":"'+t+'","upload":"https://d.clarity.ms/collect","expire":365,"cookies":["_uetmsclkid","_uetvid"],"track":false,"lean":false,"content":true,"extract":[3,1,["4f509md79","zjy56jaz","4s4zm72hj"]]});',a=document.createElement("script");a.type="text/javascript",a.async=!0,a.append(e),document.getElementsByTagName("head")[0].appendChild(a)}};</script><script id="uc-gtm">function gtag(){dataLayer.push(arguments)}window.dataLayer=window.dataLayer||[],window.addEventListener("ucEvent",function(e){if(e.detail&&"consent_status"==e.detail.event){var t="Microsoft Clarity";switch(e.detail.hasOwnProperty(t)&&gtag("consent","update",{clarity_storage:e.detail[t]?"granted":"denied"}),e.detail.action){case"onAcceptAllServices":document.cookie="3_RODO_FULL=true; 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całkowita kwota kredytu (bez kredytowanych kosztów) 290 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 96,3%, oprocentowanie stałe przez pierwsze 5 lat: 7,02%/rok, na które składa się 5-letnia stała stopa bazowa 5,02%/rok, marża 2%, następnie na drugi 5 letni okres oprocentowanie stałe 7,67%, na które składa się 5-letnia stała stopa bazowa 5,67%/rok i marża 2%, a następnie oprocentowanie zmienne 7,67%/rok (od 11. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,67%/rok z dnia 09.11.2023 r. i marża 2%; całkowity koszt kredytu 184 704,44 zł, w tym prowizja za udzielenie kredytu 1,7%, tj. 4 930 zł, opłata prowizyjna dla BGK za udzielenie gwarancji 490,86 zł; odsetki 172 573,72 zł, ubezpieczenie nieruchomości 5 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; całkowita kwota do zapłaty 474 704,44 zł, płatna w 300 ratach: malejących w okresie stosowania dopłat oraz ratach annuitetowych (równych) miesięcznych po tym okresie, przy czym pierwsza rata malejąca z dopłatą wyniesie 1 426,76 zł, od 11. roku raty annuitetowe (równe) wyniosą po 1 630,69 zł i ostatnia rata wyniesie 1 442,25 zł. Kalkulacja została dokonana na dzień 10.11.2023 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG":"11,57%","dd_RRSO-KH-BH-S":"9,10%","dd_RRSO-KH-BH-Z":"9,84%","dd_RRSO-KH-PKO-Z":"9,83%","dd_RRSO-KH-PR-BH-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,84%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 320 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 61,70%, oprocentowanie zmienne 8,18%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,32 p.p.; całkowity koszt kredytu 466 858,85 zł, w tym: prowizja 0,5%, tj. 1 600 zł, odsetki 431 819,05 zł, ubezpieczenie nieruchomości 6 400 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 26 620,80 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); całkowita kwota do zapłaty 786 858,85 zł, płatna w 300 miesięcznych ratach annuitetowych (równych), po 2 510,00 zł, przy czym ostatnia rata wyniesie 1 329,05 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 024,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 324,97 zł (w tym: prowizja 0,00 zł, odsetki 1 324,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-KH-PKO-S":"9,08%","[!RRSO-KKMP]":"20,74%","dd_RRSO-EP-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 19,55%, całkowita kwota kredytu (bez kredytowanych kosztów) 29 900,00 zł, całkowita kwota do zapłaty 48 549,53 zł, oprocentowanie zmienne 17,99%, całkowity koszt kredytu 18 649,53 zł (w tym: prowizja 0,00 zł, odsetki 18 649,53 zł), 71 miesięczne raty równe po 681,78 zł i ostatnia rata: 143,15 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>\n\nUdzielenie pożyczki jest uzależnione od pozytywnej oceny zdolności kredytowej. Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.<br/><br/>\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. <br/><br/>","dd_RRSO-KH-PR-PKO-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,08%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-PKO-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,83%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-KHM":"9,92%","dd_RRSO-KKI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKMP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-LO-BO-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","dd_RRSO-LO-KI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","[!RRSO-BK]":"4,31%","[!RRSO-PK]":"14,92%","[!RRSO-EP]":"19,55%","[!RRSO-EPG]":"11,57%","[!RRSO-KMSR]":"9,24%","[!RRSO-KH-BH-Z]":"8,81%","dd_RRSO-PH":"11,62%","[!RRSO-PGPROMO]":"16,43%","dd_RRSO-PH-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi <strong>11,62%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","[!RRSO-KH-BH]":"9,84%","[!RRSO-KH-PKO-Z]":"8,41%","[!RRSO-KH-PKO]":"9,83%","[!RRSO-KHM]":"9,92%","[!RRSO-PG]":"11,57%","[!RRSO-PH]":"11,62%","dd_RRSO-PG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-PK-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 14,92%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 42 447,56 zł, oprocentowanie zmienne 13,99%, całkowity koszt kredytu 15 747,56 zł (w tym: prowizja 0,00 zł, odsetki 15 747,56 zł), 85 miesięcznych rat równych po 493,45 zł i ostatnia rata: 504,31 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-KMSR-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>8,90%</strong> przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-PH-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką <strong>10,75%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-BH-S":"<strong> Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,10%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r."}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"PKO Bank Polski","item":"https://www.pkobp.pl"},{"@type":"ListItem","position":2,"name":"Klient indywidualny","item":"https://www.pkobp.pl/klient-indywidualny"},{"@type":"ListItem","position":3,"name":"Pożyczki i kredyty","item":"https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki"},{"@type":"ListItem","position":4,"name":"Kredyt hipoteczny Własny Kąt"}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Co to jest kredyt hipoteczny?","acceptedAnswer":{"@type":"Answer","text":"To kredyt zabezpieczony hipoteką, który możesz przeznaczyć na zakup mieszkania, domu lub budowę domu oraz wiele innych celów."}},{"@type":"Question","name":"Jakie są warunki otrzymania kredytu hipotecznego np. na zakup mieszkania?","acceptedAnswer":{"@type":"Answer","text":"Podstawowym warunkiem otrzymania kredytu jest posiadanie zdolności kredytowej oraz pełnej zdolności do czynności prawnych, a także uzyskiwanie dochodu w PLN."}},{"@type":"Question","name":"Co to jest wkład własny do kredytu hipotecznego?","acceptedAnswer":{"@type":"Answer","text":"<p>Wkład własny to środki które nie pochodzą z kredytu, a które zostaną przeznaczone na sfinansowanie nieruchomości. Środki te należy zaangażować przed wypłatą kredytu/ pierwszej transzy kredytu. Innymi słowy, wkład własny to różnica pomiędzy kosztami przedsięwzięcia a kwotą kredytu.</p>"}},{"@type":"Question","name":"Czy mogę skorzystać z obniżonej marży dla kredytu hipotecznego w ramach oferty wpierającej zrównoważony rozwój po zawarciu umowy o kredyt mieszkaniowy Własny Kąt Hipoteczny?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, marża Twojego kredytu zostanie obniżona<sup>1</sup>, jeżeli po zawarciu umowy kredytu dostarczysz do Banku ważne świadectwo charakterystyki energetycznej dla nieruchomości stanowiącej zabezpieczenie kredytu, spełniające poniższe kryteria:</p>\n<ul>\n<li>świadectwo będzie ważne przez co najmniej 60 miesięcy od dnia dostarczenia do Banku, oraz</li>\n<li>wskaźnik EP określony w świadectwie jest nie wyższy niż<sup>2</sup>:<br />- 58 kWh/(m2rok) - dla lokalu mieszkalnego, lub<br />- 63 kWh/(m2rok) - dla domu jednorodzinnego. </li>\n</ul>\n<p>Oferta obowiązuje dla decyzji kredytowych wydanych od 1 października 2021 r. </p>\n<p><strong>Specjalne warunki obowiązują do 30.09.2025 r.</strong></p>"}},{"@type":"Question","name":"Czy mogę wykorzystać kredyt hipoteczny na budowę lub wykończenie domu?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak. Można go też wykorzystać na inne cele.</p>"}},{"@type":"Question","name":"Jaki muszę mieć minimalny wkład własny?","acceptedAnswer":{"@type":"Answer","text":"<p>Wymagany przez bank wkład własny to 10% wartości nieruchomości.</p>"}},{"@type":"Question","name":"Jak mogę sprawdzić możliwą wysokość raty kredytu?","acceptedAnswer":{"@type":"Answer","text":"<p>Skorzystaj z <strong>kalkulatora raty i zdolności</strong> dostępnego na stronie. W jednym miejscu sprawdzisz:</p>\n<ul>\n<li>szacowaną wysokość raty kredytu</li>\n<li>przybliżoną zdolność kredytową</li>\n</ul>\n<p>Jeśli chcesz wziąć <strong>kredyt online</strong>, przejdź do <strong>Sprawdź propozycję online</strong>. Przedstawimy propozycję wyliczenia.</p>"}},{"@type":"Question","name":"Do kiedy powinienem złożyć dyspozycję wypłaty kredytu po zawarciu umowy o kredyt hipoteczny?","acceptedAnswer":{"@type":"Answer","text":"<p>Maksymalny termin, w którym powinna nastąpić wypłata kredytu lub pożyczki hipotecznej określony został w umowie kredytu i może nastąpić po spełnieniu wskazanych warunków do wypłaty.</p>"}},{"@type":"Question","name":"Jakie formalności czekają mnie po podpisaniu umowy o kredyt?","acceptedAnswer":{"@type":"Answer","text":"<p>Informacje na ten temat znajdziesz m.in. w umowie kredytu, a mogą to być np:</p>\n<ul>\n<li>dostarczenie do Banku aktu notarialnego umowy sprzedaży nieruchomości</li>\n<li>złożenie wniosku o wpis do księgi wieczystej / założenie księgi wieczystej i dostarczenie potwierdzenia do banku</li>\n<li>kwestie podatkowe (np. podatek czynności cywilnoprawnych)</li>\n<li>spełnienie innych warunków zawartych w umowie kredytu np. ubezpieczenie nieruchomości z cesją na bank</li>\n</ul>"}},{"@type":"Question","name":"Czy istnieje możliwość wcześniejszej spłaty kredytu hipotecznego?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, można wcześniej spłacić kredyt, zarówno w całości jak i w części. Jeśli podpisałeś umowę o kredyt (ze zmienną stopą procentową) po 21.07.2017r – możesz to zrobić bez opłat.</p>"}},{"@type":"Question","name":"Czy mogę złożyć wniosek o udzielenie kredytu razem z rodzicami?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, o kredyt mogą wystąpić:</p>\n<ul>\n<li>max 3 odrębne gosp. domowe (nie więcej niż 4 osoby) – gdy jednym z celów kredytu, będzie cel mieszkaniowy,</li>\n<li>max 2 odrębne gosp. domowe (nie więcej niż 4 osoby) – w innych przypadkach.</li>\n</ul>"}},{"@type":"Question","name":"Mam już kredyt Własny Kąt Hipoteczny, czy mógłbym zmienić jego warunki?","acceptedAnswer":{"@type":"Answer","text":"<p>Możesz wnioskować o dokonanie wielu zmian, m.in.:</p>\n<ul>\n<li><strong>sposobu oprocentowania ze zmiennego na stałe</strong> na okres 5 lat (w okresie obowiązywania stałej stopy procentowej nie masz możliwości zmiany sposobu oprocentowania)</li>\n<li>formuły rat na <strong>raty równe lub malejące</strong></li>\n<li><strong>obniżenia marży</strong> dla kredytu hipotecznego w zielonej odsłonie</li>\n</ul>"}},{"@type":"Question","name":"Czy otrzymam zwrot odsetek za podwyższone oprocentowanie kredytu hipotecznego do czasu wpisu hipoteki do księgi wieczystej?","acceptedAnswer":{"@type":"Answer","text":"<p>Zwrócimy Ci odsetki za podwyższone oprocentowanie, jeśli spełnisz 2 warunki:</p>\n<ul>\n<li>Twoja umowa o kredyt lub pożyczkę hipoteczną została zawarta między <strong>22 lipca 2017 r</strong>. a <strong>28 sierpnia 2022 r.</strong></li>\n<li>hipotekę wpisano do księgi wieczystej po<strong> 16 września 2022 r.</strong></li>\n</ul>\n<p>Nie musisz składać żadnych dyspozycji. Gdy sąd wpisze hipotekę i nas o tym zawiadomi, my sprawdzimy poprawność wpisu i zwrócimy Ci odsetki z tego tytułu, liczone od dnia uruchomienia Twojego kredytu/pożyczki lub wypłaty pierwszej transzy. Pieniądze otrzymasz na rachunek, z którego spłacasz swój kredyt hipoteczny.<br /><br /><strong>Podstawa prawna: </strong>Ustawa z dnia 5 sierpnia 2022 r. o zmianie ustawy o kredycie hipotecznym oraz o nadzorze nad pośrednikami kredytu hipotecznego i agentami oraz ustawy o zmianie ustawy o podatku dochodowym od osób fizycznych, ustawy o podatku dochodowym od osób prawnych oraz niektórych innych ustaw.</p>"}},{"@type":"Question","name":"Kredyt mieszkaniowy czy pożyczka hipoteczna?","acceptedAnswer":{"@type":"Answer","text":"<div class=\"pkobp-table pkobp-table--fixed\">\n<table style=\"border-collapse: collapse; width: 100.022%; height: 166.667px;\" border=\"1\">\n<tbody>\n<tr style=\"height: 50px;\">\n<td style=\"width: 33.1147%; height: 50px;\"><strong>Cel</strong></td>\n<td style=\"width: 33.1147%; height: 50px;\"><strong>Kredyt mieszkaniowy</strong><br />na konkretny cel, w tym: zakup lub budowa/remont/wykończenie nieruchomości np. mieszkania, domu, działki</td>\n<td style=\"width: 33.1165%; height: 50px;\"><strong>Pożyczka hipoteczna</strong><br />na dowolnie wybrany cel: niezwiązany z działalnością gospodarczą</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>maksymalny okres kredytowania</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">35 lat</td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">20 lat</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>maksymalna kwota kredytu</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">90% wartości nieruchomości</td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">60% wartości nieruchomości</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>wymagany wkład własny</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">Tak </td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">Nie</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>zasady spłaty</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">raty równe lub malejące, możliwość zmiany w trakcie</td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">raty równe lub malejące, możliwość zmiany w trakcie</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>oprocentowanie</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">stopa zmienna lub stała przez 5 lat</td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">stopa zmienna lub stała przez 5 lat</td>\n</tr>\n<tr style=\"height: 16.6667px;\">\n<td style=\"width: 33.1147%; height: 16.6667px;\"><strong>waluta</strong></td>\n<td style=\"width: 33.1147%; height: 16.6667px;\">polski złoty (PLN)</td>\n<td style=\"width: 33.1165%; height: 16.6667px;\">polski złoty (PLN)</td>\n</tr>\n</tbody>\n</table>\n</div>"}},{"@type":"Question","name":"Jak mogę podpisać umowę o kredyt hipoteczny?","acceptedAnswer":{"@type":"Answer","text":"<p>Umowę o kredyt podpiszesz w oddziale banku.</p>\n<p>Jeśli skorzystasz z procesu online, umowę możesz podpisać przez internet – wtedy przekierujemy Cię do serwisu mSzafir.</p>"}}]}</script><meta name="next-head-count" content="15"/><link rel="shortcut icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><link rel="apple-touch-icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><meta name="msapplication-TileColor" content="#3074D5"/><meta name="theme-color" content="#003574"/><link rel="preload" href="/_next/static/css/db9be11e725027ca.css" as="style"/><link rel="stylesheet" href="/_next/static/css/db9be11e725027ca.css" data-n-g=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js"></script><script defer="" src="/_next/static/chunks/9072.6d9178acf2c135e4.js"></script><script defer="" 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16px;}.css-69i1ev{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}.css-6yavch{min-height:1px;}.css-15vrnbb{margin:0;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;border-width:0;border-style:solid;border-color:rgba(0, 0, 0, 0.12);border-bottom-width:thin;background-color:#E5E5E5;border-color:#E5E5E5;}</style><style id="jss-server-side">.jss527 { margin: 0 -8px; display: flex; flex-wrap: wrap; max-width: calc( 100% + 16px ); } @media (min-width:640px) { .jss527 { margin: 0 -15px; max-width: calc( 100% + 30px ); } } .jss528 { padding: 0 8px; flex-basis: auto; } @media (min-width:640px) { .jss528 { padding: 0 15px; } } .jss529 { padding: 0 8px; flex-grow: 0; max-width: 8.333333333333334%; flex-basis: 8.333333333333334%; flex-shrink: 0; } @media (min-width:640px) { .jss529 { padding: 0 15px; } } .jss530 { padding: 0 8px; flex-grow: 0; max-width: 16.666666666666668%; flex-basis: 16.666666666666668%; flex-shrink: 0; } @media (min-width:640px) { .jss530 { padding: 0 15px; } } .jss531 { padding: 0 8px; flex-grow: 0; max-width: 25%; flex-basis: 25%; flex-shrink: 0; } @media (min-width:640px) { .jss531 { padding: 0 15px; } } .jss532 { padding: 0 8px; flex-grow: 0; max-width: 33.333333333333336%; flex-basis: 33.333333333333336%; flex-shrink: 0; } @media (min-width:640px) { .jss532 { padding: 0 15px; } } .jss533 { padding: 0 8px; flex-grow: 0; max-width: 41.666666666666664%; flex-basis: 41.666666666666664%; flex-shrink: 0; } @media (min-width:640px) { .jss533 { padding: 0 15px; } } .jss534 { padding: 0 8px; flex-grow: 0; max-width: 50%; flex-basis: 50%; flex-shrink: 0; } @media (min-width:640px) { .jss534 { padding: 0 15px; } } .jss535 { padding: 0 8px; flex-grow: 0; max-width: 58.333333333333336%; flex-basis: 58.333333333333336%; flex-shrink: 0; } @media (min-width:640px) { .jss535 { padding: 0 15px; } } .jss536 { padding: 0 8px; flex-grow: 0; max-width: 66.66666666666667%; flex-basis: 66.66666666666667%; flex-shrink: 0; } @media (min-width:640px) { .jss536 { padding: 0 15px; } } .jss537 { padding: 0 8px; flex-grow: 0; max-width: 75%; flex-basis: 75%; flex-shrink: 0; } @media (min-width:640px) { .jss537 { padding: 0 15px; } } .jss538 { padding: 0 8px; flex-grow: 0; max-width: 83.33333333333333%; flex-basis: 83.33333333333333%; flex-shrink: 0; } @media (min-width:640px) { .jss538 { padding: 0 15px; } } .jss539 { padding: 0 8px; flex-grow: 0; max-width: 91.66666666666667%; flex-basis: 91.66666666666667%; flex-shrink: 0; } @media (min-width:640px) { .jss539 { padding: 0 15px; } } .jss540 { padding: 0 8px; flex-grow: 0; max-width: 100%; flex-basis: 100%; flex-shrink: 0; } @media (min-width:640px) { .jss540 { padding: 0 15px; } } .jss142 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss142 { font-size: 16px; line-height: 1.5; } } .jss143 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss143 { font-size: 16px; line-height: 1.5; } } .jss144 { font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.5; } @media (min-width:900px) { .jss144 { font-size: 16px; line-height: 1.5; } } .jss145 { font-size: 16px; line-height: 1.25; } @media (min-width:900px) { .jss145 { font-size: 16px; line-height: 1.25; } } .jss146 { font-size: 14px; font-weight: 300; line-height: 1.4285714285714286; } @media (min-width:900px) { .jss146 { font-size: 14px; line-height: 1.4285714285714286; } } .jss147 { font-size: 12px; font-weight: 300; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss147 { font-size: 12px; line-height: 1.3333333333333333; } } .jss148 { font-size: 12px; line-height: 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{ font-size: 20px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; } @media (min-width:900px) { .jss154 { font-size: 32px; line-height: 1.25; } } .jss154 a { color: inherit; text-decoration: none; } .jss155 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss155 { font-size: 24px; line-height: 1.3333333333333333; } } .jss155 a { color: inherit; text-decoration: none; } .jss156 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 700; line-height: 24px; } @media (min-width:900px) { .jss156 { font-size: 20px; line-height: 24px; } } .jss156 a { color: inherit; text-decoration: none; } .jss157 { font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 700; line-height: 20px; } @media (min-width:900px) { .jss157 { font-size: 18px; line-height: 24px; } } .jss157 a { color: inherit; text-decoration: none; } .jss158 { font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; text-transform: none; } .jss159 { font-size: 14px; line-height: 1.1428571428571428; } .jss160 { font-size: 24px; font-weight: 700; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss160 { font-size: 28px; line-height: 1.1428571428571428; } } .jss161 { font-size: 12px; line-height: 1.1666666666666667; } @media (min-width:900px) { .jss161 { font-size: 18px; line-height: 1.3333333333333333; } } .jss246 { width: 100%; line-height: 1; } .jss247>span { position: unset !important; } .jss248 { width: 100% !important; height: unset !important; object-fit: contain; } .jss249 { position: relative !important; } .jss541 { margin: 0; font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss541 { font-size: 16px; line-height: 1.5; } } @media (max-width:639.95px) { .jss541 { font-size: 16px; } } .jss541 h1 { font-size: 24px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } .jss541 h2 { font-size: 24px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } .jss541 h3 { font-size: 20px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; } .jss541 h4 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } .jss541 h5 { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 700; line-height: 24px; } .jss541 h6 { font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 700; line-height: 20px; } @media (min-width:900px) { .jss541 h6 { font-size: 18px; line-height: 24px; } } .jss541 h6 a { color: inherit; text-decoration: none; } @media (min-width:900px) { .jss541 h5 { font-size: 20px; line-height: 24px; } } .jss541 h5 a { color: inherit; text-decoration: none; } @media (min-width:900px) { .jss541 h4 { font-size: 24px; line-height: 1.3333333333333333; } } .jss541 h4 a { color: inherit; text-decoration: none; } @media (min-width:900px) { .jss541 h3 { font-size: 32px; line-height: 1.25; } } .jss541 h3 a { color: inherit; text-decoration: none; } @media (min-width:900px) { .jss541 h2 { font-size: 40px; line-height: 1.2; } } .jss541 h2 a { color: inherit; text-decoration: none; } @media (min-width:900px) { .jss541 h1 { font-size: 48px; line-height: 1.1666666666666667; } } .jss541 h1 a { color: inherit; text-decoration: none; } .jss30 { overflow: hidden; max-width: 1020px; max-height: 600px; } .jss31 { border-radius: 0; } .jss32 { justify-content: flex-end; } .jss34 { box-shadow: 0px 3px 6px #81818114; border-bottom: 1px solid #E5E5E5; } .jss37 { font-size: 18px; text-align: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss37 { font-size: 24px; line-height: 1.3333333333333333; } } .jss37 a { color: inherit; text-decoration: none; } .jss38 { width: 100%; padding: 12px 34px 10px 26px; margin-right: -40px; } @media (min-width:1024px) { .jss38 { padding: 0; } } .jss39 { top: 0; right: 0; width: 48px; height: 48px; padding: 0; } .jss39:hover { background: none; } .jss39 svg { fill: #003574; width: 100%; height: 100%; } .jss42 { padding-top: 0; } .jss43 { padding: 0 48px 40px 48px; margin-right: 0; } .jss44 { } @media (max-width:639.95px) { .jss44 { min-width: 300px; } } @media (min-width:640px) { .jss44 { width: auto; max-width: 1044px; } } .jss45 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss45 { align-items: start; } } @media (max-width:639.95px) { .jss45 { padding-left: 16px; } } .jss46 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss46 { padding-left: 24px; padding-right: 24px; } } .jss47 { padding-top: 16px; } @media (min-width:640px) { .jss47 { padding-top: 24px; } } .jss48 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss48 { top: 5px; } } .jss49 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss49 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss49 { } .jss49 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss49::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss49::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss49::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss49::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss49::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss75 { } @media (max-width:639.95px) { .jss75 { min-width: 300px; } } @media (min-width:640px) { .jss75 { width: auto; max-width: 1044px; } } .jss76 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss76 { align-items: start; } } @media (max-width:639.95px) { .jss76 { padding-left: 16px; } } .jss77 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss77 { padding-left: 24px; padding-right: 24px; } } .jss78 { padding-top: 16px; } @media (min-width:640px) { .jss78 { padding-top: 24px; } } .jss79 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss79 { top: 5px; } } .jss80 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss80 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss80 { } .jss80 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss80::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss80::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss80::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss80::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss80::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss182 { } @media (max-width:639.95px) { .jss182 { min-width: 300px; } } @media (min-width:640px) { .jss182 { width: auto; max-width: 1044px; } } .jss183 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss183 { align-items: start; } } @media (max-width:639.95px) { .jss183 { padding-left: 16px; } } .jss184 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss184 { padding-left: 24px; padding-right: 24px; } } .jss185 { padding-top: 16px; } @media (min-width:640px) { .jss185 { padding-top: 24px; } } .jss186 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss186 { top: 5px; } } .jss187 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss187 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss187 { } .jss187 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss187::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss187::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss187::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss187::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss187::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss361 { } @media (max-width:1023.95px) { .jss361 { min-width: 300px; } } @media (min-width:1024px) { .jss361 { width: auto; max-width: 1044px; } } .jss362 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss362 { padding-left: 16px; } } .jss363 { padding-left: 16px; padding-right: 16px; } @media (min-width:1024px) { .jss363 { padding-left: 24px; padding-right: 24px; } } .jss364 { padding-top: 16px; } @media (min-width:1024px) { .jss364 { padding-top: 24px; } } .jss365 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:1023.95px) { .jss365 { top: 5px; } } .jss366 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:1024px) { .jss366 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss366 { } .jss366 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss366::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss366::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss366::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss366::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss366::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss367 { } @media (max-width:1023.95px) { .jss367 { min-width: 300px; } } @media (min-width:1024px) { .jss367 { width: auto; max-width: 1044px; } } .jss368 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss368 { padding-left: 16px; } } .jss369 { padding-left: 16px; padding-right: 16px; } @media (min-width:1024px) { .jss369 { padding-left: 24px; padding-right: 24px; } } .jss370 { padding-top: 16px; } @media (min-width:1024px) { .jss370 { padding-top: 24px; } } .jss371 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:1023.95px) { .jss371 { top: 5px; } } .jss372 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:1024px) { .jss372 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss372 { } .jss372 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss372::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss372::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss372::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss372::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss372::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss397 { } @media (max-width:639.95px) { .jss397 { min-width: 300px; } } @media (min-width:640px) { .jss397 { width: auto; max-width: 1044px; } } .jss398 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss398 { align-items: start; } } @media (max-width:639.95px) { .jss398 { padding-left: 16px; } } .jss399 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss399 { padding-left: 24px; padding-right: 24px; } } .jss400 { padding-top: 16px; } @media (min-width:640px) { .jss400 { padding-top: 24px; } } .jss401 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss401 { top: 5px; } } .jss402 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss402 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss402 { } .jss402 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss402::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss402::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss402::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss402::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss402::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss403 { } @media (max-width:639.95px) { .jss403 { min-width: 300px; } } @media (min-width:640px) { .jss403 { width: auto; max-width: 1044px; } } .jss404 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss404 { align-items: start; } } @media (max-width:639.95px) { .jss404 { padding-left: 16px; } } .jss405 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss405 { padding-left: 24px; padding-right: 24px; } } .jss406 { padding-top: 16px; } @media (min-width:640px) { .jss406 { padding-top: 24px; } } .jss407 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss407 { top: 5px; } } .jss408 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss408 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss408 { } .jss408 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss408::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss408::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss408::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss408::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss408::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss409 { } @media (max-width:639.95px) { .jss409 { min-width: 300px; } } @media (min-width:640px) { .jss409 { width: auto; max-width: 1044px; } } .jss410 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss410 { align-items: start; } } @media (max-width:639.95px) { .jss410 { padding-left: 16px; } } .jss411 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss411 { padding-left: 24px; padding-right: 24px; } } .jss412 { padding-top: 16px; } @media (min-width:640px) { .jss412 { padding-top: 24px; } } .jss413 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss413 { top: 5px; } } .jss414 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss414 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss414 { } .jss414 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss414::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss414::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss414::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss414::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss414::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss415 { } @media (max-width:639.95px) { .jss415 { min-width: 300px; } } @media (min-width:640px) { .jss415 { width: auto; max-width: 1044px; } } .jss416 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss416 { align-items: start; } } @media (max-width:639.95px) { .jss416 { padding-left: 16px; } } .jss417 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss417 { padding-left: 24px; padding-right: 24px; } } .jss418 { padding-top: 16px; } @media (min-width:640px) { .jss418 { padding-top: 24px; } } .jss419 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss419 { top: 5px; } } .jss420 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss420 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss420 { } .jss420 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss420::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss420::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss420::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss420::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss420::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss421 { } @media (max-width:639.95px) { .jss421 { min-width: 300px; } } @media (min-width:640px) { .jss421 { width: auto; max-width: 1044px; } } .jss422 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss422 { align-items: start; } } @media (max-width:639.95px) { .jss422 { padding-left: 16px; } } .jss423 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss423 { padding-left: 24px; padding-right: 24px; } } .jss424 { padding-top: 16px; } @media (min-width:640px) { .jss424 { padding-top: 24px; } } .jss425 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss425 { top: 5px; } } .jss426 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss426 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss426 { } .jss426 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss426::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss426::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss426::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss426::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss426::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss427 { } @media (max-width:639.95px) { .jss427 { min-width: 300px; } } @media (min-width:640px) { .jss427 { width: auto; max-width: 1044px; } } .jss428 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss428 { align-items: start; } } @media (max-width:639.95px) { .jss428 { padding-left: 16px; } } .jss429 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss429 { padding-left: 24px; padding-right: 24px; } } .jss430 { padding-top: 16px; } @media (min-width:640px) { .jss430 { padding-top: 24px; } } .jss431 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss431 { top: 5px; } } .jss432 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss432 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss432 { } .jss432 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss432::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss432::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss432::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss432::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss432::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss433 { } @media (max-width:639.95px) { .jss433 { min-width: 300px; } } @media (min-width:640px) { .jss433 { width: auto; max-width: 1044px; } } .jss434 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss434 { align-items: start; } } @media (max-width:639.95px) { .jss434 { padding-left: 16px; } } .jss435 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss435 { padding-left: 24px; padding-right: 24px; } } .jss436 { padding-top: 16px; } @media (min-width:640px) { .jss436 { padding-top: 24px; } } .jss437 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss437 { top: 5px; } } .jss438 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss438 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss438 { } .jss438 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss438::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss438::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss438::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss438::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss438::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss439 { } @media (max-width:639.95px) { .jss439 { min-width: 300px; } } @media (min-width:640px) { .jss439 { width: auto; max-width: 1044px; } } .jss440 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss440 { align-items: start; } } @media (max-width:639.95px) { .jss440 { padding-left: 16px; } } .jss441 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss441 { padding-left: 24px; padding-right: 24px; } } .jss442 { padding-top: 16px; } @media (min-width:640px) { .jss442 { padding-top: 24px; } } .jss443 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss443 { top: 5px; } } .jss444 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss444 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss444 { } .jss444 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss444::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss444::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss444::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss444::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss444::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss445 { } @media (max-width:639.95px) { .jss445 { min-width: 300px; } } @media (min-width:640px) { .jss445 { width: auto; max-width: 1044px; } } .jss446 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss446 { align-items: start; } } @media (max-width:639.95px) { .jss446 { padding-left: 16px; } } .jss447 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss447 { padding-left: 24px; padding-right: 24px; } } .jss448 { padding-top: 16px; } @media (min-width:640px) { .jss448 { padding-top: 24px; } } .jss449 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss449 { top: 5px; } } .jss450 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss450 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss450 { } .jss450 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss450::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss450::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss450::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss450::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss450::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss451 { } @media (max-width:639.95px) { .jss451 { min-width: 300px; } } @media (min-width:640px) { .jss451 { width: auto; max-width: 1044px; } } .jss452 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss452 { align-items: start; } } @media (max-width:639.95px) { .jss452 { padding-left: 16px; } } .jss453 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss453 { padding-left: 24px; padding-right: 24px; } } .jss454 { padding-top: 16px; } @media (min-width:640px) { .jss454 { padding-top: 24px; } } .jss455 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss455 { top: 5px; } } .jss456 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss456 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss456 { } .jss456 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss456::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss456::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss456::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss456::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss456::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss457 { } @media (max-width:639.95px) { .jss457 { min-width: 300px; } } @media (min-width:640px) { .jss457 { width: auto; max-width: 1044px; } } .jss458 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss458 { align-items: start; } } @media (max-width:639.95px) { .jss458 { padding-left: 16px; } } .jss459 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss459 { padding-left: 24px; padding-right: 24px; } } .jss460 { padding-top: 16px; } @media (min-width:640px) { .jss460 { padding-top: 24px; } } .jss461 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss461 { top: 5px; } } .jss462 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss462 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss462 { } .jss462 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss462::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss462::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss462::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss462::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss462::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss463 { } @media (max-width:639.95px) { .jss463 { min-width: 300px; } } @media (min-width:640px) { .jss463 { width: auto; max-width: 1044px; } } .jss464 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss464 { align-items: start; } } @media (max-width:639.95px) { .jss464 { padding-left: 16px; } } .jss465 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss465 { padding-left: 24px; padding-right: 24px; } } .jss466 { padding-top: 16px; } @media (min-width:640px) { .jss466 { padding-top: 24px; } } .jss467 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss467 { top: 5px; } } .jss468 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss468 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss468 { } .jss468 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss468::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss468::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss468::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss468::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss468::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss469 { } @media (max-width:639.95px) { .jss469 { min-width: 300px; } } @media (min-width:640px) { .jss469 { width: auto; max-width: 1044px; } } .jss470 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss470 { align-items: start; } } @media (max-width:639.95px) { .jss470 { padding-left: 16px; } } .jss471 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss471 { padding-left: 24px; padding-right: 24px; } } .jss472 { padding-top: 16px; } @media (min-width:640px) { .jss472 { padding-top: 24px; } } .jss473 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss473 { top: 5px; } } .jss474 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss474 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss474 { } .jss474 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss474::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss474::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss474::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss474::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss474::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss257 .MuiPaper-root { max-width: 640px; min-width: 290px; min-height: 102px; word-break: break-word; } @media (max-width:639.95px) { .jss257 .MuiPaper-root { width: 100%; margin: 15px; max-width: calc(100% - 32px); min-width: unset; } } .jss258 { text-align: left; padding-top: 16px; padding-bottom: 2px; } @media (max-width:639.95px) { .jss258 { padding-left: 0; } } .jss259 { font-size: 16px; } .jss260 { padding: 16px 24px 16px 16px; } .jss261 { top: 0; right: 0; width: 40px; height: 40px; position: absolute; } .jss262 { color: #000; border: 1px solid #B7B7B7; padding: 15px; position: absolute; font-size: 14px; background: #fff; box-shadow: 0px 3px 6px #00000029; margin-top: 18px; font-weight: 300; border-radius: 10px; } .jss262::before, .jss262::after { left: calc(50% - 8px); width: 0; height: 0; content: " "; display: block; position: absolute; margin-top: -8px; border-style: solid; } .jss262::before { top: 0; border-color: transparent transparent #B7B7B7 transparent; border-width: 0 8px 8px 8px; } .jss262::after { top: 1px; border-color: transparent transparent #fff transparent; border-width: 0 8px 8px 8px; } .jss203 { clip: rect(0, 0, 0, 0) !important; width: 1px !important; border: 0 !important; height: 1px !important; margin: -1px !important; padding: 0 !important; overflow: hidden !important; position: absolute !important; clip-path: inset(50%) !important; white-space: nowrap !important; } .jss169 { color: #000; border: 1px solid transparent; cursor: pointer; display: inline-flex; padding: 11px 16px; font-size: 16px; min-width: 180px; background: transparent; box-sizing: border-box; margin-top: 8px; min-height: 48px; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-radius: 0; margin-bottom: 8px; text-transform: none; justify-content: center; text-decoration: none; } .jss169::selection { background: transparent; } .jss169:disabled { color: #636363; pointer-events: none; } .jss170 { color: #ffffff; background: #003574; border-color: #003574; border-radius: 10px 0px; } .jss170:hover, .jss170:focus { background: #004C9A; border-color: #004C9A; } .jss171 { color: #000000; padding: 11px 13px; background: #ffffff; min-height: 40px; line-height: 1; border-color: #003574; border-radius: 10px 10px; } .jss171:hover, .jss171:focus { color: #ffffff; background: #004C9A; border-color: #004C9A; } .jss172 { color: #ffffff; background: #DB912C; border-color: #DB912C; border-radius: 10px 0px; } .jss172:hover, .jss172:focus { background: #CC7A09; border-color: #CC7A09; } .jss173 { color: #000000; background: #ffffff; border-color: #E5E5E5; border-radius: 10px 10px; } .jss173:hover, .jss173:focus { background: #F9F9F9; border-color: #E5E5E5; } .jss174 { color: #000000; padding: 11px 13px; background: #ffffff; min-height: 40px; line-height: 1; border-color: #DB912C; border-radius: 10px 10px; } .jss174:hover, .jss174:focus { color: #ffffff; background: #CC7A09; border-color: #CC7A09; } .jss175 { color: #ffffff; padding: 7px 16px; font-size: 14px; min-width: 135px; background: #DB912C; min-height: 32px; line-height: 1.1428571428571428; border-color: #DB912C; border-radius: 4px 4px; } .jss175:hover, .jss175:focus { background: #CC7A09; border-color: #CC7A09; } .jss176 { color: #000; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss176:hover, .jss176:focus { color: #003574; } .jss176 .jss181 { transform: translateY(3px); } .jss177 { color: #003574; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss177:hover, .jss177:focus { color: #004C9A; } .jss177 .jss181 { transform: translateY(3px); } .jss178 { color: #636363; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss178:hover, .jss178:focus { color: #003574; } .jss178 .jss181 { transform: translateY(3px); } .jss179 { color: #000000; padding: 11px 13px; background: #F9F9F9; min-height: 40px; line-height: 1; border-color: #2E7D49; border-radius: 10px 10px; } .jss179:hover, .jss179:focus { color: #ffffff; background: #2E7D49; border-color: #2E7D49; } .jss180 { width: 100%; display: inline-flex; } .jss181 { height: 20px; display: inline-block; margin-left: 12px; } .jss508 { border: none; background: transparent; box-shadow: none; } .jss509 { margin-top: 4px !important; } .jss509::before { display: none; } .jss509 .jss513 { margin-left: 0px !important; } .jss509 .jss510 { align-items: center; margin-bottom: 22px; justify-content: center; } .jss509 .jss516 { padding: 13px 0; line-height: 1; } .jss509 .jss514 { margin-bottom: 24px; } .jss509 .jss514 ul { margin-top: 0px; text-align: left; margin-left: 0px; } .jss509.jss509 .jss514 ul li { padding-left: 6px; margin-bottom: 4px; } .jss510 { padding: 0; min-height: 24px !important; justify-content: flex-start; } .jss511 { justify-content: space-between; } @media (max-width:639.95px) { .jss511 { gap: 15px; padding-right: 0; } } .jss512 { margin: 0 !important; flex-grow: initial !important; } .jss513 { margin-left: 8px; } .jss514 { padding: 0; } @media (max-width:639.95px) { .jss514 { font-size: 16px; font-weight: 300; } } .jss515 { margin-top: 29px; } .jss516 { margin: 0; } @media (max-width:1023.95px) { .jss516 { font-size: 14px; } } .jss517 { font-size: 16px; font-weight: 600; line-height: 24px; } .jss518 { width: 24px; border: none; cursor: pointer; height: 24px; margin: 0; padding: 0; background: transparent; } .jss1 { top: auto; left: -999px; width: 1px; height: 1px; position: absolute; } .jss1:focus { top: 0; left: 0; color: #fff; width: auto; height: auto; margin: auto; display: inline-block; outline: none; padding: 3px; z-index: 1040; position: absolute; font-size: 12px; background: #004C9A; border-bottom-right-radius: 4px; } .jss484 .MuiPaper-root { max-width: 640px; min-width: 290px; min-height: 102px; word-break: break-word; } @media (max-width:639.95px) { .jss484 .MuiPaper-root { width: 100%; margin: 15px; max-width: calc(100% - 32px); min-width: unset; } } .jss485 { text-align: left; padding-top: 16px; padding-bottom: 2px; } @media (max-width:639.95px) { .jss485 { padding-left: 0; } } .jss486 { font-size: 16px; } .jss487 { padding: 16px 24px 16px 16px; } .jss488 { top: 0; right: 0; width: 40px; height: 40px; position: absolute; } .jss489 { cursor: default; display: flex; position: relative; } .jss489>span { font-weight: bold; } .jss489 .pkobp-icon-tooltip { width: 24px; cursor: pointer; height: 24px; display: inline-block; } .jss489 .pkobp-icon-tooltip svg { width: 26px; height: 26px; } .jss490 { color: #000; border: 1px solid #B7B7B7; display: block; opacity: 0; padding: 15px; z-index: -100; position: fixed; font-size: 12px; max-width: 450px; min-width: 285px; transform: translateX(-50%); background: #fff; box-shadow: 0px 3px 6px #00000029; margin-top: 16px; transition: opacity ease 0.2s; border-radius: 8px; pointer-events: none; } .jss490::before, .jss490::after { left: -1px; width: 0; height: 0; content: ' '; display: block; position: absolute; margin-top: -8px; margin-left: calc(50% - 8px); border-style: solid; } .jss490::before { top: 0; border-color: transparent transparent #B7B7B7 transparent; border-width: 0 8px 8px 8px; } .jss490::after { top: 1px; border-color: transparent transparent #fff transparent; border-width: 0 8px 8px 8px; } .jss490.tooltipDropdownRight::after, .jss490.tooltipDropdownRight::before { margin-left: calc(100% - 24px); } .jss490.tooltipDropdownLeft::after, .jss490.tooltipDropdownLeft::before { margin-left: 24px; } .jss491 { opacity: 1; z-index: 1500; } .jss323 ul { margin: 0; } .jss324 { display: none; } .jss325 { width: 72px; height: 72px; min-width: 72px; } @media (min-width:1024px) { .jss325 { width: 96px; height: 96px; min-width: 96px; } } .jss325 img { width: 100%; height: 100%; object-fit: unset; } .jss325 .next-image-classname { width: 100%; height: 100%; } .jss325 .next-image-classname span { width: 100% !important; height: 100% !important; } .jss326 { padding-top: 4px; } @media (min-width:640px) { .jss326 { padding-top: 16px; } } .jss327 { margin: 0; font-size: 18px; text-align: center; font-weight: 400; line-height: 1.5; } @media (min-width:640px) { .jss327 { font-size: 20px; text-align: left; line-height: 32px; } } .jss328 { margin: 0; text-align: center; font-weight: 300; line-height: 1.5; padding-top: 4px; } @media (min-width:640px) { .jss328 { text-align: left; padding-top: 0; } } .jss329 { align-self: center; margin-top: 1px !important; } @media (min-width:640px) { .jss329 { align-self: start; margin-top: 0 !important; } } .jss320 { padding: 42px 120px 0 120px; margin-bottom: 0; } @media (max-width:1279.95px) { .jss320 { padding: 42px 0 0 0; } } @media (max-width:639.95px) { .jss320 { padding: 12px 0 0 0; } } .jss321 { display: flex; justify-content: center; } .jss322 { width: 100%; max-width: 320px; } @media (min-width:1024px) { .jss315 { width: calc(100% + 15px + 15px); margin: 0 -15px; } } .jss316 { font-size: 20px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 0; letter-spacing: 0; } @media (min-width:900px) { .jss316 { font-size: 32px; line-height: 1.25; } } .jss316 a { color: inherit; text-decoration: none; } @media (max-width:1023.95px) { .jss316 { font-size: 24px; line-height: 32px; } } .jss317 { margin-top: 0; font-weight: 300; margin-bottom: 11px; } .jss318 { margin-top: 15px; font-weight: 300; margin-bottom: 0; } @media (min-width:1024px) { .jss318 { margin-top: 19px; } } @media (min-width:1280px) { .jss318 { margin-top: 23px; } } .jss319 { overflow: hidden; margin-top: 16px; } @media (min-width:1024px) { .jss319 { margin-top: 24px; } } @media (min-width:1280px) { .jss319 { margin-top: 42px; } } .jss319 .slick-list { overflow: visible; max-width: 76vw; } .jss319 .slick-track { height: auto; display: flex; } .jss319 .slick-initialized .slick-slide { height: auto; display: flex; } .jss319 .slick-dots { margin: 16px 16px 0 0; } .jss319 .slick-dots li { height: 40px; display: flex; align-items: center; } @media (min-width:640px) { .jss319 { width: 100%; display: flex; overflow: unset; flex-wrap: wrap; flex-direction: row; justify-content: center; } } .jss208 .MuiPaper-root { max-width: 810px; min-width: 600px; } .jss208 .MuiDialogContent-root { padding: 0 95px 48px 105px; min-width: 390px; } @media (max-width:1023.95px) { .jss208 .MuiDialogContent-root { padding: 0 30px 48px 30px; min-width: unset; } } @media (max-width:639.95px) { .jss208 .MuiDialogContent-root { padding: 0 16px 48px 16px; min-width: unset; } } @media (max-width:1023.95px) { .jss208 .MuiPaper-root { width: 100%; max-width: 100%; min-width: unset; } } .jss209 .MuiDialogContent-root { padding: 0 95px 118px 105px; } .jss209 .MuiDialogContent-root::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0 108px 0; background-color: #E5E5E5; } @media (max-width:1023.95px) { .jss209 .MuiDialogContent-root { padding: 0 30px 118px 30px; } } @media (max-width:639.95px) { .jss209 .MuiDialogContent-root { padding: 0 16px 118px 16px; } } .jss210 h2 { margin: -10px 0 0 0 !important; font-size: 24px; line-height: 32px; } @media (max-width:1023.95px) { .jss211 { margin-top: 16px; } } .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 16px 0; font-size: 20px; font-weight: 400; line-height: 24px; } .jss211 h1 { margin: 0 0 12px 0; font-size: 24px; margin-top: 16px !important; font-weight: 400; line-height: 32px; } .jss211 p { margin-top: 0px; font-weight: 300; line-height: 24px; margin-bottom: 8px; } .jss211 span { line-height: 1; } .jss211 ul { margin-bottom: 24px; } .jss211 a { font-weight: 400; } .jss211 ul[style="list-style-type: checks;"] { padding-left: 26px; } .jss211 ol { margin-top: 17px; padding-left: 2px; } .jss211 img { margin-top: 8px; } .jss211 li { font-weight: 300; } .jss211 ol li { line-height: 24px; padding-bottom: 8px; } @media (max-width:1023.95px) { .jss211 ol li { line-height: 20px; } } .jss211 ol li ol { padding-left: 1px; } .jss211 ol li li { padding-bottom: 8px; } .jss211 ul[style="list-style-type: checks;"] li { line-height: 20px; padding-top: 2px; margin-bottom: 21px; } .jss211 ul[style="list-style-type: checks;"] li strong { display: inline-block; margin-bottom: 6px; } @media (max-width:1023.95px) { .jss211 ul { margin-top: 13px; line-height: 20px; } } .jss211 ul li { padding-bottom: 6px; } .jss211 ul ul li { line-height: 23.8px; } @media (max-width:1023.95px) { .jss211 p { line-height: 20px; margin-bottom: 0px; } } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 40px !important; } @media (max-width:1023.95px) { .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 13px 0; font-size: 18px; line-height: 24px; } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 16px !important; } } .jss212 { gap: 30px; left: 0; width: 100%; bottom: 0; height: 96px; display: flex; opacity: 1; padding: 0 16px; position: absolute; background: #ffffff; border-top: solid 1px #E5E5E5; box-shadow: 0px -3px 6px #81818114; align-items: center; justify-content: center; } .jss212 button, .jss212 a { width: auto; height: 48px; display: block; padding: 14px 15px; overflow: hidden; min-width: 100px; text-align: center; line-height: 20px; white-space: nowrap; padding-left: 16px; text-overflow: ellipsis; } @media (max-width:1023.95px) { .jss212 { gap: 16px; height: 80px; } .jss212 button, .jss212 a { width: 100%; max-width: 288px; min-width: unset; } } @media (max-width:639.95px) { .jss212 button, .jss212 a { max-width: unset; } } @media (min-width:640px) { .jss551 { width: 100%; display: inline-block; min-height: 28px; } } @media (min-width:1280px) { .jss551 { padding: 2px 0; } } .jss552 { font-size: 14px; white-space: normal; } @media (max-width:1023.95px) { .jss552 { line-height: 12px; } } @media (min-width:1280px) { .jss552 { margin: 0; font-size: 16px; } } .jss570 { margin: 0 17px; display: inline-block; max-width: 128px; max-height: 56px; } @media (min-width:640px) { .jss570 { margin-top: -1px; margin-bottom: -1px; } } @media (min-width:1024px) { .jss570 { margin: 0; } } .jss570:first-of-type { margin-left: 0; } .jss570:last-of-type { margin-right: 0; } .jss570 img.no-next-image-classname { max-width: 128px; max-height: 56px; } .jss570 .next-image-classname img { min-width: unset !important; max-height: 56px !important; min-height: unset !important; } .jss566 { margin-top: 0; margin-bottom: 20px; } .jss566>p { font-size: 18px; text-align: center; line-height: 1.3333333333333333; } @media (min-width:1280px) { .jss566 { width: 261px; display: flex; margin-top: 0; align-items: center; margin-bottom: 0; } } .jss567 { margin: 0; font-size: 18px; line-height: 24px; } @media (max-width:639.95px) { .jss567 { text-align: center; } } .jss568 { color: inherit; text-decoration: none; } .jss569 { cursor: pointer; } @media (min-width:1280px) { .jss561 { display: flex; justify-content: flex-start; } } .jss562 { color: inherit; text-decoration: none; } .jss563 { cursor: pointer; } @media (min-width:1280px) { .jss564 { width: calc(100% - 261px); } } .jss565 { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; } .jss542 { width: 100%; display: flex; align-items: center; } .jss543 { width: 0; height: 1px; display: block; flex-grow: 0; flex-shrink: 0; background-color: transparent; } @media (min-width:1024px) { .jss543 { left: 0; width: 100%; z-index: 0; position: absolute; flex-grow: 1; flex-shrink: 1; background-color: #E5E5E5; } } .jss544 { flex: 0 0 1230px; border: 1px solid #E5E5E5; margin: 0; display: flex; padding: 24px 20px 60px; z-index: 1; max-width: 100%; min-height: 104px; align-items: center; border-radius: 16px; flex-direction: column; background-size: auto 55px; background-color: #fff; background-repeat: no-repeat; background-position: 50% bottom; } @media (min-width:640px) { .jss544 { padding: 0 30px 16px 100px; flex-wrap: wrap; flex-direction: row; background-size: 88px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } @media (min-width:1024px) { .jss544 { padding: 0 60px 0 102px; flex-wrap: nowrap; background-size: 102px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } .jss545 { font-size: 14px; margin-top: 0; font-weight: 300; line-height: 20px; margin-bottom: 0; } .jss546 { color: #003574; border: 0; cursor: pointer; display: inline; padding: initial; font-size: 24px; min-width: auto; background: transparent; box-sizing: border-box; margin-top: 0; min-height: auto; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-left: -10px; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; justify-content: center; text-decoration: none; } .jss546::selection { background: transparent; } .jss546:disabled { color: #636363; pointer-events: none; } .jss546:hover, .jss546:focus { color: #004C9A; } .jss546 eng { transform: translateY(3px); } @media (min-width:640px) { .jss546 { margin-left: 0; } } .jss547 { width: 100%; padding: 0 0 16px 0; text-align: center; border-bottom: 1px solid #E5E5E5; margin-bottom: 5px; } @media (min-width:640px) { .jss547 { margin: 0 30px 0 30px; padding: 20px 0 10px 0; text-align: left; border-bottom: 1px solid #E5E5E5; } } @media (min-width:1024px) { .jss547 { width: auto; margin: 0; padding: 5px 60px 2px 30px; border-right: 1px solid #E5E5E5; border-bottom: none; } } @media (min-width:1280px) { .jss547 { flex-shrink: 0; } } .jss548 { color: #000; width: calc(100% - 14px); margin: 12px 8px 0 25px; display: flex; align-items: center; text-decoration: none; } @media (min-width:640px) { .jss548 { width: calc(50% - 60px); margin: 16px 0 0px 30px;; } } @media (min-width:1024px) { .jss548 { width: auto; margin: 16px 0 16px 45px; } } @media (min-width:1280px) { .jss548 { margin-left: 60px; } .jss548:nth-of-type(2) { padding-left: 10px; } } .jss548:hover { color: #003574; } .jss549 { width: 32px; height: 32px; flex-grow: 0; flex-shrink: 0; } @media (min-width:1024px) { .jss549 { width: 40px; height: 40px; } } .jss549 > img { max-width: 100%; max-height: 100%; } .jss549 .next-image-classname span { width: 32px !important; height: 32px !important; } @media (min-width:1024px) { .jss549 .next-image-classname span { width: 40px !important; height: 40px !important; } } .jss550 { font-size: 14px; transition: color 0.3s ease-in-out; line-height: 20px; margin-left: 16px; } @media (min-width:640px) { .jss550 { margin-left: 8px; } } .jss355 { display: flex; align-items: center; } .jss355 p, .jss355 span { line-height: 20px; } .jss356 { padding: 24px; max-width: 870px; background: #F2F2F2; align-items: center; margin-left: auto; margin-right: auto; border-radius: 10px; } .jss356 p, .jss356 span { line-height: 24px; } .jss356 p sup, .jss356 { font-size: 0.83em; line-height: 0; vertical-align: super; } .jss356 .jss358 { align-self: flex-start; background: #ffffff; margin-top: 0; } .jss356 .jss359 { font-size: 16px; } @media (max-width:639.95px) { .jss356 p, .jss356 span { font-weight: 300; } } .jss357 { width: calc(100% - 52px - 16px); min-width: 70%; } .jss358 { width: 40px; height: 40px; display: flex; overflow: hidden; background: #F2F2F2; margin-top: -2px; align-items: center; flex-shrink: 0; margin-right: 16px; border-radius: 50%; justify-content: center; } .jss358 img { width: 100% !important; height: auto !important; max-width: 24px !important; min-width: unset !important; max-height: 24px !important; min-height: unset !important; } .jss359 { font-size: 14px; line-height: 24px; white-space: normal; } .jss360 ul { margin: 0; padding: 0; padding-left: 19px; } @media (min-width:640px) { .jss554 { display: flex; justify-content: flex-end; } } .jss555 { color: inherit; display: block; text-decoration: none; } @media (min-width:640px) { .jss555 { width: 100%; max-width: 246px; } } @media (min-width:1024px) { .jss555 { max-width: 290px; } } .jss555 a { text-decoration: none; } .jss556 { color: #636363; margin: 0; font-size: 14px; font-weight: 500; line-height: 24px; margin-bottom: 15px; } .jss556:last-child { margin-bottom: 0; } .jss557 { color: #636363; margin: 0; font-size: 16px; font-weight: 500; line-height: 20px; } .jss557:hover { color: #003574; } .jss558 { color: #000; font-size: 14px; font-weight: 300; } .jss559 { padding: 8px 36px 8px 30px; background: #F9F9F9; margin-top: 4px; border-radius: 8px; } @media (min-width:1024px) { .jss559 { padding-top: 11px; } } .jss560 { width: 100%; } .jss560 thead td { font-size: 12px !important; font-weight: 300; } .jss560 thead td, .jss560 tbody td { font-size: 14px; line-height: 20px; padding-left: 0; padding-right: 1px; } .jss560 thead td:first-of-type, .jss560 tbody td:first-of-type { width: 20%; font-weight: 300; } .jss560 thead td:not(:first-of-type), .jss560 tbody td:not(:first-of-type) { width: 39%; text-align: right; } .jss213 { gap: 8px; margin: 0 1px; display: flex; margin-top: 21px; align-items: center; } @media (min-width:1280px) { .jss213 { height: 24px; } } @media (max-width:1023.95px) { .jss213 { display: none; } } .jss214 { color: #000000; overflow: hidden; font-size: 12px; max-width: 20%; transition: color 0.3s ease-in-out; font-weight: 300; line-height: 14px; white-space: nowrap; text-overflow: ellipsis; text-decoration: none; } .jss214:hover { color: #003574; } .jss215 svg { width: 23px; height: 23px; } .jss215 svg:hover path { fill: #003574; } .jss215 svg path { fill: #818181; stroke: none; transition: fill 0.3s ease-in-out; } .jss216 { color: #636363; } .jss216:hover { color: #636363; } .jss297 { width: 870px; border: 1px solid; margin: 0 auto; display: flex; overflow: hidden; max-width: 100%; box-shadow: 0px 4px 12px #00000014; align-items: center; border-color: #E5E5E5; border-radius: 16px; } @media (max-width:639.95px) { .jss297 { width: 100%; flex-direction: column; } } .jss299 { margin: 0 auto; } .jss300 { color: inherit; transition: box-shadow 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; text-decoration: none; } .jss300:hover { box-shadow: 0px 16px 32px #0000000F; } .jss301 { width: 100%; max-width: 1230px; } .jss302 { width: 100%; padding: 23px 104px 23px 47px; max-width: 1230px; box-shadow: 0px 16px 32px #0000000F; border-radius: 12px; } @media (max-width:1023.95px) { .jss302 { padding: 23px; flex-direction: column; } } @media (max-width:639.95px) { .jss302 { padding: 0; } } .jss302 .jss308 { margin-top: 9px; } .jss302 .jss309 { width: 100%; max-width: 292px; } @media (max-width:1023.95px) { .jss302 .jss309 { order: 1; padding: 36px 24px 0 24px; max-width: 100%; min-width: unset; } .jss302 .jss309 img { width: auto !important; max-width: 100% !important; max-height: 96px !important; } } @media (max-width:1023.95px) { .jss302 .jss305 { order: 2; } } @media (min-width:1024px) { .jss302 .jss305 { padding: 0 0 0 80px; max-width: calc(100% - 292px); } } .jss303 { gap: 16px; width: 100%; padding: 32px 32px 30px 32px; max-width: 1230px; box-shadow: 0px 16px 32px #0000000F; align-items: start; border-radius: 12px; } @media (max-width:1023.95px) { .jss303 { gap: 3px; width: 100%; padding: 17px 12px 15px 16px; align-items: center; flex-direction: row; } } .jss303 .jss311 { margin-bottom: 30px; } .jss303 .jss308 { margin-top: 0; } .jss303 .jss307 { margin-top: 25px; } .jss303 .jss312 { margin-top: 25px; } .jss303 .jss309 { max-width: unset; min-width: 276px; } @media (max-width:1279.95px) { .jss303 .jss309 { max-width: 166px; min-width: unset; } .jss303 .jss309 img { width: auto !important; max-width: 166px !important; } } @media (max-width:1023.95px) { .jss303 .jss309 { order: 2; max-width: 92px; min-width: unset; margin-left: auto; margin-right: auto; justify-content: center; } .jss303 .jss309 img { width: auto !important; max-width: 92px !important; } } @media (max-width:1023.95px) { .jss303 .jss312 { margin-top: 8px; } } @media (max-width:1023.95px) { .jss303 .jss307 { margin-top: 9px; font-weight: 300; } } @media (max-width:1023.95px) { .jss303 .jss308 { font-size: 16px; margin-top: 8px; font-weight: 600; line-height: 20px; margin-bottom: 0; } } @media (max-width:1023.95px) { .jss303 .jss311 { padding: 3px 6px 2px 6px; margin-bottom: 3px; } } @media (min-width:1024px) { .jss303 .jss305 { padding: 0; flex-grow: 1; max-width: unset; margin-top: -4px; } } @media (max-width:1023.95px) { .jss303 .jss305 { width: 100%; padding: 0; max-width: 100%; font-weight: 300; } } .jss304 { cursor: pointer; } .jss305 { padding: 40px 25px 40px 29px; max-width: 55%; } @media (max-width:1023.95px) { .jss305 { width: 100%; padding: 24px; max-width: 100%; } } .jss305 > :first-child { margin-top: 0; } .jss306 { letter-spacing: 1.65px; text-transform: none; } .jss307 { margin-top: 20px; font-weight: 300; line-height: 20px; } @media (max-width:639.95px) { .jss307 { margin-top: 4px; font-weight: 400; } } .jss307 ul[style="list-style-type: checks;"] { list-style: none; text-align: left; padding-left: 22px; } .jss307 ul[style="list-style-type: checks;"] li { position: relative; line-height: 24px; padding-left: 6px; margin-bottom: 20px; padding-bottom: 0px; list-style-type: none; } .jss307 ul[style="list-style-type: checks;"] li::before { top: 4px; left: -22px; width: 16px; height: 16px; content: " "; position: absolute; background: url(/_next/static/media/icon_green_check.56ec3590.svg); } .jss308 { font-size: 32px; margin-top: 11px; font-weight: normal; line-height: 1.25; margin-bottom: 0; } @media (max-width:1023.95px) { .jss308 { font-size: 24px; margin-top: 8px; line-height: 32px; margin-bottom: 0; } } .jss309 { width: 390px; display: flex; max-width: 45%; } @media (max-width:1023.95px) { .jss309 { max-width: 100%; } } @media (max-width:639.95px) { .jss309 { order: 2; margin-left: auto; margin-right: auto; justify-content: center; } } .jss309 img { width: auto; max-width: 100%; } .jss310 { order: 2; margin-left: auto; } .jss311 { display: inline-block; padding: 3px 6px; font-size: 14px; line-height: 1.1; border-radius: 4px; margin-bottom: 6px; text-transform: capitalize; } @media (max-width:639.95px) { .jss311 { margin-bottom: 3px; } } .jss312 { margin-top: 22px; } .jss312 ul[style="list-style-type: checks;"] { padding-left: 24px; } .jss312 ul[style="list-style-type: checks;"] li { padding-left: 8px; margin-bottom: 12px; } .jss312 p:last-child { margin-bottom: 0; } @media (max-width:1023.95px) { .jss312 p:first-child { margin-top: 0; } } .jss312 ul[style="list-style-type: checks;"] li:last-of-type { margin-bottom: 0px; } .jss313 { border-color: #3074D5; } .jss314 { background-color: #3074D5; color: #fff; } .jss330 { border-color: #3074D5; } .jss331 { background-color: #3074D5; color: #fff; } .jss500 { max-width: 915px; margin-left: auto; margin-right: auto; } .jss500>ul { padding: 0; list-style-type: none; } .jss500>ul ul { list-style-type: disc; } .jss500>ul ul ul { list-style: none; margin-top: 8px; padding-left: 20px; } .jss500>ul ul ul ul { list-style-type: square; } .jss500>ul ul ul ul li { list-style-type: square; } .jss500>ul ul ul ul li::before { content: none; } .jss500>ul ul ul li { position: relative; line-height: 24px; padding-left: 0px; padding-bottom: 0px; list-style-type: none; } .jss500>ul ul ul li::before { top: 9px; left: -20px; width: 6px; height: 6px; content: " "; position: absolute; background-size: cover; background-image: url(/_next/static/media/icon_circle.cb924b72.svg); background-repeat: no-repeat; } .jss501 { margin-bottom: 19px; } @media (min-width:640px) { .jss501 { margin-bottom: 40px; } } .jss502 { margin-top: 0; font-weight: 300; margin-bottom: 11px; } .jss503 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 0; } @media (min-width:900px) { .jss503 { font-size: 32px; line-height: 1.25; } } .jss503 a { color: inherit; text-decoration: none; } @media (min-width:1024px) { .jss503 { font-size: 32px; line-height: 40px; margin-bottom: 0; } } .jss504 { margin-top: 15px; font-weight: 300; margin-bottom: 0; } @media (min-width:1024px) { .jss504 { margin-top: 19px; } } @media (min-width:1280px) { .jss504 { margin-top: 23px; } } .jss505 { font-size: 16px; font-weight: bold; } .jss506 { color: rgba(0, 0, 0, 0.87); margin-top: 15px; } @media (min-width:1024px) { .jss506 { margin-top: 19px; } } @media (min-width:1280px) { .jss506 { margin-top: 23px; } } .jss507 { border-top: 1px solid #E5E5E5; padding-top: 28px; padding-bottom: 27px; } .jss507:last-of-type { border-bottom: 1px solid #E5E5E5; } @media (max-width:639.95px) { .jss507 { padding-top: 24px; padding-bottom: 23px; } } .jss394 { top: 0; left: 0; right: 0; bottom: 0; display: flex; position: absolute; align-items: center; justify-content: center; } .jss395 { width: 86px; border: none; cursor: pointer; height: 86px; display: flex; position: relative; background: none; align-items: center; justify-content: center; } .jss395::before { top: 0; left: 0; right: 0; bottom: 0; content: ""; display: block; opacity: .5; z-index: 0; position: absolute; background: #014288; transition: opacity .3s ease-in-out; border-radius: 50%; } .jss395:hover::before { opacity: 1; } .jss395:focus-visible { border: 2px solid #000 !important; outline: none; } .jss396 { z-index: 1; transform: translate3d(0,0,0); margin-top: 1px; margin-left: 9px; } .jss495 { color: inherit; display: inline-block; margin-bottom: 23px; text-decoration: none; } @media (max-width:639.95px) { .jss495 { margin-bottom: 9px; } } .jss496 { display: flex; } @media (min-width:640px) { .jss496 { align-items: center; } } .jss497 { width: 48px; height: 48px; position: relative; align-self: flex-start; margin-right: 12px; } .jss497 img { width: 100%; } .jss498 { top: 20px; color: #003574; position: absolute; font-size: 10px; font-weight: 900; } .jss499 { width: 100%; font-size: 14px; max-width: calc(100% - 48px - 12px); margin-top: 14px; line-height: 20px; margin-bottom: 0; } @media (min-width:640px) { .jss499 { font-size: 16px; margin-top: 0; margin-bottom: 0; } } .jss492 { margin-top: 32px; } .jss493 { display: inline-block; } .jss494 p { font-weight: 300; } .jss475 { padding: 0; margin-top: 22px; margin-bottom: 0; list-style-type: none; } @media (min-width:640px) { .jss475 { margin-top: 30px; } } .jss476 { position: relative; } .jss476:not(:last-of-type) { margin-bottom: 8px; } @media (min-width:640px) { .jss476:not(:last-of-type) { margin-bottom: 5px; } } .jss477 { display: flex; position: relative; flex-wrap: nowrap; min-height: 26px; align-items: end; justify-content: space-between; } .jss478 { max-width: 80%; min-width: 50%; } .jss479 { display: inline-flex; align-items: flex-end; } .jss480 { font-size: 16px; font-weight: 300; } @media (max-width:639.95px) { .jss480 { line-height: 1.25; } } .jss480 span { background: #fff; padding-right: 2px; } .jss481 { font-size: 18px; text-align: right; font-weight: 600; } .jss481, .jss481 span { background: #fff; padding-left: 2px; } .jss482 { left: auto; bottom: 1px; display: inline-block; position: absolute; background: #fff; padding-left: 3px; } .jss482>span, .jss482>span>span { background: transparent; } .jss483 { width: 100%; bottom: 6px; height: 1px; position: absolute; border-bottom: 1px dashed #E5E5E5; } .jss348 { padding: 0; list-style-type: none; } @media (min-width:1024px) { .jss348 { display: flex; flex-wrap: nowrap; justify-content: center; } } .jss349 { width: 100%; position: relative; max-width: 320px; } @media (max-width:1023.95px) { .jss349 { display: flex; flex-wrap: nowrap; max-width: 100%; margin-bottom: 15px; padding-bottom: 20px; } } @media (max-width:639.95px) { .jss349 { min-height: 67px; margin-bottom: 13px; padding-bottom: 15px; } .jss349:last-of-type { margin-bottom: 0; padding-bottom: 0; } } @media (min-width:1024px) { .jss349 { margin: 0 15px; } .jss349:first-of-type { margin-left: 0; } .jss349:last-of-type { margin-right: 0; } } .jss349 .pkobp-button { display: inline-block; margin-top: 10px; margin-bottom: 0px; } .jss350 { content: ''; position: absolute; } @media (max-width:1023.95px) { .jss350 { top: 48px; left: calc(30px / 2); width: 1px; height: calc(100% - 48px); border-left: 1px dashed #B7B7B7; } } @media (min-width:1024px) { .jss350 { top: calc(72px / 2); left: 70px; width: calc(100% - 70px); height: 1px; border-bottom: 1px dashed #B7B7B7; } } .jss351 { color: #E5E5E5; line-height: 1; } @media (max-width:1023.95px) { .jss351 { font-size: 48px; min-width: 26px; } } @media (min-width:1024px) { .jss351 { font-size: 72px; } } @media (max-width:1023.95px) { .jss352 { margin-left: 12px; } } .jss353 { margin: 0; font-size: 16px; font-weight: bold; line-height: 1.5; } @media (max-width:1023.95px) { .jss353 { margin-top: 9px; } } @media (max-width:639.95px) { .jss353 { line-height: 1.5; } } @media (min-width:1024px) { .jss353 { margin-top: 20px; } } .jss354 { font-weight: 300; letter-spacing: 0; } @media (max-width:1023.95px) { .jss354 { margin-top: 16px; } .jss354>* { font-size: max(16px); } } @media (max-width:639.95px) { .jss354 { margin-top: 9px; line-height: 24px; } } @media (min-width:1024px) { .jss354 { margin-top: 17px; } } .jss354 *:last-child { margin-bottom: 0; } .jss354 span { display: block; } .jss354 p { margin-top: 0; margin-bottom: 16px; } .jss354 p:first-of-type { margin-top: 0; } .jss354 ul { margin-top: 16px; margin-left: 0; padding-left: 16px; } .jss354 ul li { padding-left: 3px; } .jss354 a { color: #003574; } @media (max-width:639.95px) { .jss354 ul li { padding-left: 0; } } .jss354 ul li:not(:last-of-type) { margin-bottom: 0; padding-bottom: 7px; } @media (max-width:639.95px) { .jss354 ul { margin: 8px 0; max-width: 100%; } } .jss354 p:last-of-type { margin-bottom: 8px; } .jss335 { margin-top: 25px; font-weight: 300; line-height: 20px; } @media (min-width:640px) { .jss335 { margin-top: 40px; line-height: 22px; margin-bottom: 13px; } } .jss336 { text-align: center; } .jss337 { width: fit-content; margin: 0 auto; display: flex; padding: 6px; background: #F2F2F2; align-items: center; border-radius: 10px; justify-content: center; } @media (max-width:639.95px) { .jss337 { width: 100%; padding: 4px; } } .jss338 { border: 1px solid transparent; margin: 0; display: flex; padding: 11px 33px; position: relative; font-size: 16px; text-align: center; line-height: 1; white-space: normal; border-radius: 10px; } @media (max-width:639.95px) { .jss338 { width: 50%; padding: 15px 10px 10px 10px; min-width: 33.33%; min-height: 64px; line-height: 1.2; } } .jss338::after { left: 50%; width: 0; bottom: 0; height: 0; content: ""; display: none; position: absolute; transform: translate(-50%, 8px); border-color: inherit; border-style: solid; border-width: 8px 7.5px 0 7.5px; border-top-color: #fff; border-left-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss339 { border: 1px solid #E5E5E5; background: #fff; box-shadow: 0px 12px 20px #00000014; } .jss339::after { display: block; } .jss340 { margin-top: 40px; } @media (max-width:639.95px) { .jss340 { margin-top: 18px; } } .jss341 { margin: 0 auto; max-width: 870px; } .jss342 { max-width: 100%; margin-top: 36px; } @media (max-width:639.95px) { .jss342 { margin-top: 32px; } } .jss342.tabsContainer--single { margin-top: 44px; } @media (max-width:639.95px) { .jss342.tabsContainer--single { margin-top: 22px; } } .jss344 { clip: rect(0, 0, 0, 0) !important; width: 1px !important; border: 0 !important; height: 1px !important; margin: -1px !important; padding: 0 !important; overflow: hidden !important; position: absolute !important; clip-path: inset(50%) !important; white-space: nowrap !important; } .jss345 { margin-top: 16px; align-items: center; } .jss346 { margin-top: 8px; font-weight: 300; margin-bottom: 16px; } .jss347 { min-width: 100%; } @media (min-width:640px) { .jss347 { min-width: 240px; } } .jss332 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 15px; } @media (min-width:900px) { .jss332 { font-size: 40px; line-height: 1.2; } } .jss332 a { color: inherit; text-decoration: none; } @media (min-width:640px) { .jss332 { margin-bottom: 20px; } } @media (min-width:1024px) { .jss332 { font-size: 32px; line-height: 40px; margin-bottom: 40px; } } .jss333 { margin: 0 auto; max-width: 870px; margin-top: 22px; letter-spacing: 0; } @media (max-width:639.95px) { .jss333 { font-size: 16px; margin-top: 23px; font-weight: 300; letter-spacing: 0px; } } .jss333 a { color: #003574; font-size: 16px; } .jss333 .pkobp-button { padding: 13px 32px; font-size: 16px; min-width: 240px; margin-top: 0; margin-bottom: 0; letter-spacing: 0; } @media (max-width:639.95px) { .jss333 .pkobp-button { width: 100%; } } .jss578 { display: flex; flex-wrap: wrap; align-items: center; } .jss579 { width: 40px; height: 40px; display: block; padding: calc((40px - 24px)/2); } .jss579 svg { fill: #B7B7B7; width: 24px; height: 24px; } .jss579:hover svg { fill: #939393; } .jss579:not(:last-of-type) { margin-right: 16px; } @media (min-width:1280px) { .jss579:not(:last-of-type) { margin-right: 8px; } } .jss380 { top: 50%; color: #003574; width: 40px; border: 1px solid #E5E5E5; cursor: pointer; height: 64px; display: flex; z-index: 11; position: absolute; transform: translateY(-50%); background: #fff; transition: background-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; border-radius: 6px; justify-content: center; } .jss380:hover { background: #F9F9F9; } .jss381 { right: 0; } .jss377 { font-size: 32px; margin-top: 0; margin-bottom: 37px; } @media (max-width:1023.95px) { .jss377 { font-size: 24px; margin-bottom: 20px; } } @media (max-width:639.95px) { .jss377 { margin-left: -16px; margin-bottom: 16px; } } .jss378 { margin-bottom: 20px; } @media (max-width:1023.95px) { .jss378 { margin-left: 0; } } .jss379 { font-size: 11px; font-weight: 300; margin-bottom: 6px; letter-spacing: 1.65px; text-transform: uppercase; } @media (max-width:1023.95px) { .jss379 { margin-bottom: 10px; } } @media (max-width:639.95px) { .jss379 { margin-bottom: 6px; } } .jss382 { font: inherit; color: inherit; border: none; cursor: pointer; margin: 0; outline: none; padding: 0; appearance: none; background: none; text-align: left; text-decoration: none; } .jss383 { margin: 0 15px; display: flex; max-width: 320px; align-items: stretch; flex-direction: column; } @media (min-width:1280px) { .jss383 { min-width: 320px; } } @media (max-width:1279.95px) { .jss383 { min-width: 242px; } } @media (max-width:1023.95px) { .jss383 { width: 37vw; min-width: unset; } } @media (max-width:639.95px) { .jss383 { width: 71.2vw; margin: 0 16px 0 0; } } .jss384 { width: 100%; max-width: 320px; min-width: unset; } @media (max-width:1279.95px) { .jss384 { max-width: 242px; } } @media (max-width:1023.95px) { .jss384 { width: 37vw; } } @media (max-width:639.95px) { .jss384 { width: 71vw; } } .jss385 { color: inherit; text-decoration: none; } .jss386 { overflow: hidden; position: relative; max-width: 100%; box-shadow: 0px 20px 20px #0000000F; border-radius: 10px; } .jss386 img { width: 100% !important; height: 180px !important; object-fit: cover; } @media (max-width:1023.95px) { .jss386 img { height: 160px !important; } } @media (max-width:639.95px) { .jss386 img { height: 40vw !important; max-height: 180px !important; } } .jss387 img { height: 204px !important; object-fit: unset; } @media (max-width:1023.95px) { .jss387 img { height: 180px !important; } } @media (max-width:639.95px) { .jss387 img { height: 45vw !important; max-height: 180px !important; } } .jss388 { margin: 12px 0; display: flex; font-size: 16px; text-align: center; align-items: center; flex-direction: column; } @media (max-width:1023.95px) { .jss388 { margin: 14px 0; } } .jss389 { margin-top: 16px; margin-bottom: 18px; } .jss390 { font-size: 11px; margin-top: 13px; font-weight: 300; letter-spacing: 1.65px; text-transform: uppercase; } @media (max-width:1023.95px) { .jss390 { margin-top: 8px; } } .jss391 { font-size: 16px; margin-top: 10px; font-weight: bold; line-height: 20px; margin-bottom: 0; } @media (max-width:1023.95px) { .jss391 { margin-top: 5px; } } .jss392 { font-size: inherit; margin-top: 13px; word-break: break-word; font-weight: 300; } @media (max-width:1023.95px) { .jss392 { margin-top: 8px; line-height: 1.5; } } .jss393 { width: 942px; max-width: 100%; } @media (max-width:639.95px) { .jss393 { margin-top: 0; } } .jss373 { margin: 0 18px 0 18px; max-width: 100%; } @media (max-width:1023.95px) { .jss373 { width: calc(100% + 16px); margin: 0 -16px 0 0; max-width: 708px; } } .jss373 .slick-slider > button { top: 90px; } .jss373 .slick-list { margin: 0 72px; } .jss373 .slick-dots { margin: 16px 16px 0 0; } .jss373 .slick-dots li { height: 40px; display: flex; align-items: center; } @media (max-width:639.95px) { .jss373 .slick-dots { margin-top: 2px; } } @media (max-width:1023.95px) { .jss373 .slick-list { margin: 0 41px; } } @media (max-width:639.95px) { .jss373 .slick-list { margin: 0; margin-left: -17px; padding-left: 16px; } } @media (max-width:1023.95px) { .jss373 .slick-slider > button { top: 80px; } } .jss374 { border: 1px solid #E5E5E5; margin-left: 4px; padding-top: 32px; margin-right: 4px; border-radius: 16px; } @media (max-width:1023.95px) { .jss374 { width: 100%; margin: 0 auto; padding: 16px; overflow: hidden; } } @media (max-width:639.95px) { .jss374 { padding: 16px 0; } } .jss374 .slick-list { margin: 0 82px; } @media (max-width:1023.95px) { .jss374 .slick-list { margin: 0 41px; } } @media (max-width:639.95px) { .jss374 .slick-list { margin: 0; } } .jss375 .slick-slider > button { top: 102px; } @media (max-width:1023.95px) { .jss375 .slick-slider > button { top: 90px; } } .jss376 { display: flex; align-items: center; justify-content: center; } .jss189 { z-index: 3; position: relative; } .jss190 { max-width: 810px; } .jss191 { color: #636363; width: 285px; border: 1px solid #F2F2F2; height: 40px; outline: none; padding: 14px 72px 14px 14px; z-index: 4; position: relative; font-size: 16px; background: #F2F2F2; transition: border-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; caret-color: #003574; font-family: pkobp,Helvetica,Arial,sans-serif; border-radius: 8px; } .jss191::placeholder { color: #636363; font-size: 14px; font-weight: 400; } .jss191:hover { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } @media (max-width:1023.95px) { .jss191 { width: 100%; height: 48px; padding: 17px 36px 14px 47px; } } .jss192 { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } .jss193 { width: 100%; height: 48px; padding: 17px 96px 14px 16px; } .jss193::placeholder { font-size: 16px; } .jss194 { width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss194>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss194 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } } @media (min-width:1024px) { .jss194 { right: 0; margin-right: 48px; } } .jss195 { opacity: 0; } .jss196 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 72px; } .jss197 { top: 0; right: 47px; width: 24px; border: none; cursor: pointer; height: 24px; display: block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 24px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; border-right: solid 1px #E5E5E5; margin-bottom: calc((40px - 32px)/2); padding-right: 35px; } .jss197>svg { fill: #B7B7B7; width: 24px; height: 24px; } @media (max-width:1023.95px) { .jss197 { right: 0; margin-top: calc((48px - 24px)/2); border-right: unset; margin-right: 8px; padding-right: 28px; } } .jss197:hover>svg { fill: #003574; } .jss198 { opacity: 0; } .jss199 { right: 0; margin-top: calc((48px - 24px)/2); border-right: none; margin-right: 61px; } .jss200 { top: 0; fill: #003574; width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss200>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss200 { left: 0; margin-top: calc((48px - 32px)/2); margin-left: 8px; } } @media (min-width:1024px) { .jss200 { right: 0; margin-top: 5px; margin-right: 8px; } } .jss201 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } .jss202 { right: 0; width: 1px; height: 24px; content: ''; z-index: 4; position: absolute; margin-top: calc((48px - 24px)/2); border-left: 1px solid #E5E5E5; margin-right: 56px; } @keyframes jss204 { 0% { opacity: 0; } 100% { opacity: 1; } } @media (max-width:1023.95px) { .jss205 { margin-top: 22px; } } @media (min-width:1024px) { .jss205 { top: -8px; left: -8px; height: 0; display: flex; z-index: 0; overflow: hidden; position: absolute; animation: jss204 .5s cubic-bezier(0.4, 0, 0.2, 1); } } @media (min-width:1024px) { .jss206 { width: calc(100% + 8px + 8px); border: 1px solid #E5E5E5; height: auto; padding: 18px 8px; z-index: 2; max-width: calc(810px + 8px + 8px); background: #fff; box-shadow: 0px 16px 32px #00000029; max-height: calc(100vh - 100px); min-height: 100px; padding-top: 65px; border-radius: 12px; } } .jss207 { width: 100%; overflow: auto; max-height: 100%; } .jss207::-webkit-scrollbar { width: 3px; cursor: grab; } .jss207::-webkit-scrollbar-track { border: 1px solid white; background-color: #E5E5E5; } .jss207::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss207::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss207::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss284 { position: relative; margin-bottom: 30px; } .jss284::before { top: 50%; left: 0; width: 100%; height: 1px; content: ''; z-index: -1; position: absolute; background: #E5E5E5; } .jss285 { background: #fff; border-bottom: 1px solid #D5D5D5; } .jss285::before { display: none; } .jss286 { border: 1px solid #E5E5E5; height: 68px; margin: 0 auto; max-width: 1231px; background: #fff; box-shadow: 0px 18px 32px #00000014; border-radius: 16px; } .jss287 { border: none; display: flex; box-shadow: none; align-items: center; border-radius: 0; justify-content: flex-start; } .jss288 { display: flex; align-items: center; justify-content: flex-end; } .jss289 { justify-content: space-between; } .jss290 { width: 100%; height: 68px; display: flex; padding: 0 32px; max-width: 1231px; align-items: center; } .jss291 { display: inline-block; } .jss291:not(:first-of-type) { margin-left: 32px; } .jss291>a { color: inherit; cursor: pointer; display: inline-block; outline: none !important; z-index: 1; position: relative; font-size: 14px; line-height: 1; text-decoration: none; } .jss291>a::after { left: 51%; right: 51%; height: 3px; content: ""; display: block; opacity: 0; position: absolute; transform: skew(-15deg); background: #003574; margin-top: calc((68px / 2) - (14px / 2) - 3px - 1px); border-radius: 5px 0; -moz-transform: skew(-15deg); transition-delay: 0.2s; -webkit-transform: skew(-15deg); transition-duration: 0.2s; transition-property: left, right, opacity; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity; -webkit-transition-timing-function: ease-out; } @media (hover: hover) { .jss291:hover { color: #003574; } .jss291:hover>a::after { left: 0; right: 0; opacity: 1; } } .jss291>a:focus-visible { box-shadow: 0px 0px 0px 2px #000; border-radius: 4px; } .jss292 { color: #003574; } .jss292>a::after { left: 0; right: 0; opacity: 1; } .jss293>a { font-size: 14px; } .jss293>a::after { margin-top: calc((68px / 2) - (14px / 2) - 2px); } .jss294 { display: flex; font-size: 14px; min-width: 76px; align-items: center; } .jss294>svg { margin-top: -2px; margin-right: 3px; } .jss295 { margin: 0; display: flex; font-size: 14px; text-align: center; word-break: break-word; white-space: break-spaces; justify-self: flex-end; } .jss296 { margin-right: 15px; } @media (max-width:639.95px) { .jss276 { min-width: 300px; } } @media (min-width:640px) { .jss276 { width: auto; max-width: 1044px; border-radius: 10px; } } .jss277 { border-radius: 0; } .jss278 { width: 100%; display: flex; position: relative; min-height: 48px; align-items: center; justify-content: center; } @media (max-width:639.95px) { .jss278 { box-shadow: 0px 3px 6px #81818114; min-height: unset; border-bottom: 1px solid #E5E5E5; } } .jss279 { margin: 0; padding: 0 48px; font-size: 18px; margin-top: 2px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss279 { font-size: 24px; line-height: 1.3333333333333333; } } .jss279 a { color: inherit; text-decoration: none; } @media (max-width:639.95px) { .jss279 { display: block; padding: 13px 48px 10px 48px; font-size: 18px; text-align: center; line-height: 24px; } } .jss280 { top: 0; right: 0; width: 48px; height: 48px; padding: 0; position: absolute; } .jss280:hover { background: none; } .jss280 svg { fill: #003574; width: 100%; height: 100%; } .jss281 { scrollbar-gutter: stable; } @supports (-moz-appearance:none) { .jss281 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss281::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss281::-webkit-scrollbar-track { border: 1px solid white; margin-top: 32px; margin-bottom: 9px; background-color: #E5E5E5; } .jss281::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss281::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss281::-webkit-scrollbar-thumb:active { cursor: grabbing; } @media (max-width:639.95px) { .jss281 { padding: 16px; } } @media (min-width:640px) and (max-width:873.95px) { .jss281 { width: calc(100vw - 32px - 32px - 8px); margin-right: 8px; padding-left: 16px; padding-right: 5px; } } @media (min-width:875px) { .jss281 { min-width: 786px; padding-top: 0; margin-right: 24px; padding-left: 32px; padding-right: 5px; padding-bottom: 0; } } @media (min-width:875px) { .jss282 { width: 786px; } } @media (min-width:640px) and (max-width:1083.95px) { .jss283 { width: calc(100vw - 32px - 32px - 8px); margin-right: 8px; padding-left: 16px; padding-right: 5px; } } @media (min-width:1085px) { .jss283 { width: 996px; } } .jss24 { display: block; } .jss24 .logo__dontdisplay { display: none !important; } @media (max-width:1023.95px) { .jss24 { width: 100px; height: 48px; } .menu__forCompanies .jss24 { width: 88px; height: 38px; } } @media (min-width:1024px) { .jss24 { width: 64px; height: 79px; } .menu__forCompanies .jss24 { width: 124px; height: 54px; } } .jss24 img.no-next-image-classname { max-width: 100%; max-height: 100%; } @media (max-width:1023.95px) { .jss24 * { height: 100% !important; } } .menu__scrolled .jss25 { width: 120px; height: 48px; } .menu__scrolled .jss25 .next-image-classname { max-height: 100%; } .menu__scrolled .jss25 .next-image-classname>span { width: 120px !important; height: 48px !important; } .jss50 { color: #000000; cursor: pointer; display: flex; padding: 0 1px; align-items: center; line-height: 1; text-decoration: none; } @media (max-width:1023.95px) { .jss50 { height: 48px; } } @media (min-width:1024px) { .jss50 { height: 40px; margin-right: -10px; border-radius: 10px; padding-right: 10px; } .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 42px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 16px; } } } .jss50:hover { color: #003574; } .jss50>svg { transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; } @media (max-width:1023.95px) { .jss50>svg { width: 48px; height: 48px; } } @media (min-width:1024px) { .jss50>svg { width: 32px; height: 32px; } } @media (max-width:1023.95px) { .jss51 { margin-left: 7px; } } @media (min-width:1024px) { .jss51 { margin-left: 20px; } } .jss52 { font-size: 14px; margin-top: 4px; line-height: 1; margin-left: 7px; } .menu__forCompanies:not(.menu__scrolled) .jss52 { margin-left: 6px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss52 { display: none; } } .jss110 { overflow: auto; } @media (max-width:1023.95px) { .jss110 { max-height: calc(100vh - 60px - 48px); } } @media (min-width:1024px) { .jss110 { left: 0; width: 100%; position: absolute; max-height: calc(100vh - 136px + 24px); } } @media (min-width:1024px) { .jss111 { max-height: calc(100vh - 64px + 15px); } } @media (max-width:1023.95px) { .jss112 { padding-bottom: 16px; } .jss112>div { padding: 0; } .jss112>div>div { padding: 0; } } @media (min-width:1024px) { .jss112 { background: #fff; border-bottom: 1px solid #E5E5E5; padding-bottom: 32px; } } @media (max-width:1023.95px) { .jss113 { max-width: 100%; } } .jss114 { padding-left: 0; } @media (max-width:1023.95px) { .jss114 { margin: 0; max-width: 100%; } } @media (min-width:1280px) { .jss114 { padding-top: 30px; } } .jss102>ul { margin: 0; padding: 0; } .jss103 { top: 4px; width: 24px; border: none; cursor: pointer; height: 16px; display: inline-flex; padding: 0; position: relative; background: transparent; align-items: center; margin-left: 4px; justify-content: center; } .jss103::after { display: none !important; } .jss104 { display: inline-block; } .jss104:not(:first-of-type) { margin-left: 40px; } .jss104>.menu-position-item { color: inherit; cursor: pointer; display: inline-block; z-index: 2; position: relative; font-size: 18px; line-height: 24px; text-decoration: none; } .jss104>.menu-position-item span { position: relative; } .jss104>.menu-position-item span::after { left: 51%; right: 51%; height: 4px; content: ""; display: block; opacity: 0; outline: none !important; position: absolute; transform: skew(0) translate3d(0, 0, 0); background: #003574; margin-top: calc((40px / 2) - (4px / 2) + 1px); border-radius: 20px 0; -moz-transform: skew(0) translate3d(0, 0, 0); transition-delay: 0.2s; -webkit-transform: skew(0) translate3d(0, 0, 0); transition-duration: 0.2s; transition-property: left, right, opacity, transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity, transform; -webkit-transition-timing-function: ease-out; } .jss104 .dropdownLayer { opacity: 0; z-index: -1; box-shadow: 0 16px 16px #00000014; visibility: hidden; padding-top: 24px; transition-delay: 0.2s; transition-duration: 0.2s; transition-property: opacity, visibility; -webkit-transition-delay: 0.2s; transition-timing-function: ease-in-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: opacity, visibility; -webkit-transition-timing-function: ease-in-out; } .jss104:hover { color: #003574; } .jss104:hover>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss104:hover>.menu-position-item:focus span::after { outline: none !important; } .menu__forCompanies:not(.menu__scrolled) .jss104>.menu-position-item span::after { margin-top: 28px; } .jss104>.menu-position-item:focus-visible span { line-height: 1.25; } @media (min-width:1024px) and (max-width:1080.95px) { .jss104:not(:first-of-type) { margin-left: 24px; } } .jss105 { color: #003574; } .jss105>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss106 .dropdownLayer { opacity: 1; visibility: visible; } .jss106 .jss103 svg { transform: rotate(180deg); } .jss106>.menu-position-item::after { right: 27px; } .jss107:not(:first-of-type) { margin-left: 32px; } .jss107>.menu-position-item { font-size: 16px; } .jss107 .dropdownLayer { margin-top: 2px; padding-top: 15px; } .jss107 .jss103 { margin-left: 4px; } .jss107>.menu-position-item span::after { margin-top: 14px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss107:not(:first-of-type) { margin-left: 16px; } } .jss108 .jss103 svg { transition-delay: 0.2s; transition-duration: 0.2s; transition-property: transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: transform; -webkit-transition-timing-function: ease-out; } .jss109>.menu-position-item { color: #2E7D49; } .jss109:hover>.menu-position-item { color: #003574; } body { padding-bottom: 73px; } .jss81 { left: 0; width: 100%; bottom: 0; z-index: 1023; position: fixed; background: #fff; border-top: 1px solid #D5D5D5; box-shadow: 0px 0px 12px #00000029; } .workspaceMode .jss81 { bottom: initial; z-index: 0; position: relative; } .withPinnedPOI .jss81 { visibility: hidden; } .jss82 { margin: 0; padding: 0 5px; } .jss83 { display: flex; justify-content: space-around; } .jss84 { color: inherit; width: 70px; display: flex; padding: 1px; position: relative; font-size: 12px; text-align: center; align-items: center; line-height: 1; margin-bottom: 4px; flex-direction: column; text-decoration: none; } .jss84 span { word-break: break-word; } .jss84 svg { fill: #636363; } .jss84::after { left: 51%; right: 51%; width: 64%; height: 4px; content: ""; display: block; opacity: 0; position: absolute; transform: skew(-15deg); background: #003574; margin-top: -3px; border-radius: 20px 0; -moz-transform: skew(-15deg); -webkit-transform: skew(-15deg); transition-duration: 0.2s; transition-property: left, right, opacity; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity; -webkit-transition-timing-function: ease-out; } .jss84:hover { color: #003574; } .jss84:hover svg { fill: #003574; } .jss84:hover::after { left: 17%; right: unset; opacity: 1; } .jss84 svg * { fill: inherit !important; stroke: inherit !important; } .jss85 { color: #003574 !important; } .jss85 svg { fill: #003574 !important; } .jss85::after { left: 17%; right: unset; opacity: 1; } .jss86 { color: #2E7D49; } .jss86 svg { fill: #2E7D49; } .jss87 { width: 32px; height: 32px; overflow: hidden; margin-top: 4px; margin-bottom: 6px; } .jss87 img { max-width: 100%; } .jss87 svg { width: 32px; height: 32px; max-width: 100%; } .jss250 { margin-top: 60px; margin-bottom: 68px; } @media (min-width:1024px) { .jss250 { margin-top: 112px; margin-bottom: 84px; } } .jss251 { text-align: center; } .jss252 { text-align: left; } .jss253 { text-align: right; } .jss254 { margin-bottom: 20px; text-transform: none; } .jss255 { font-size: 20px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 15px; } @media (min-width:900px) { .jss255 { font-size: 32px; line-height: 1.25; } } .jss255 a { color: inherit; text-decoration: none; } .jss256 { margin-top: 0; font-weight: 300; line-height: 1.5; margin-bottom: 0; } .jss519 { max-width: 915px; margin-left: auto; margin-right: auto; } .jss519>ul { padding: 0; margin-top: 0; margin-bottom: 0; list-style-type: none; } .jss520 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 16px; } @media (min-width:900px) { .jss520 { font-size: 32px; line-height: 1.25; } } .jss520 a { color: inherit; text-decoration: none; } @media (min-width:1024px) { .jss520 { font-size: 32px; line-height: 40px; margin-bottom: 40px; } } @media (max-width:639.95px) { .jss521 { margin-bottom: 16px; } } @media (min-width:1024px) { .jss522 { margin: 0 auto; max-width: 810px; } } .jss523 { border-top: 1px solid #E5E5E5; padding-top: 24px; padding-bottom: 23px; } .jss523:last-of-type { border-bottom: 1px solid #E5E5E5; } @media (min-width:640px) { .jss523 { padding-top: 33px; padding-bottom: 31px; } } .jss524 { padding-bottom: 18px; } @media (min-width:640px) { .jss524 { padding-bottom: 4px; } } .jss525 { display: flex; margin-top: 10px; justify-content: center; } @media (min-width:640px) { .jss525 { margin-top: 16px; } } .jss526 { margin: 0; min-width: 240px; } .jss124 { color: inherit; border: 1px solid #E5E5E5; display: block; padding: 20px; box-shadow: 0px 3px 12px transparent; transition: box-shadow 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; border-radius: 8px; text-decoration: none; } @media (min-width:1024px) { .jss124 { padding: 26px 20px; border-radius: 12px; } } @media (min-width:1024px) { .jss125:hover { box-shadow: 0px 3px 12px #00000029; border-color: #D5D5D5; } } .jss126:hover { box-shadow: none; } .jss126::before { border-color: transparent !important; } .jss127::before { border-color: transparent !important; } .jss128 { color: #fff; background: #003574; border-color: #003574; } .jss128:hover { box-shadow: none; } .jss129 { color: #fff; background: #3074D5; border-color: #3074D5; } .jss129:hover { box-shadow: none; } .jss130 { background: #F2F2F2; border-color: #F2F2F2; } .jss130:hover { box-shadow: none; } .jss131 { color: #fff; background: #DB912C; border-color: #DB912C; } .jss131:hover { box-shadow: none; } .jss132 { border-color: #003574; } .jss132:hover { border-color: #003574; } .jss133 { border-color: #CA171D; } .jss133:hover { border-color: #CA171D; } .jss134 { border-color: #DB912C; } .jss134:hover { border-color: #DB912C; } .jss135 { border-color: #2E7D49; } .jss135:hover { border-color: #2E7D49; } .jss136 { position: relative; } .jss136::before { width: 0; height: 0; content: ""; display: block; position: absolute; border-color: inherit; border-style: solid; } .jss137::before { top: 50%; left: 0; transform: translate(-8px, -50%); border-width: 7.5px 8px 7.5px 0; border-top-color: transparent; border-left-color: transparent; border-bottom-color: transparent; } .jss138::before { top: 50%; right: 0; transform: translate(8px, -50%); border-width: 7.5px 0 7.5px 8px; border-top-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss139::before { top: 0; left: 50%; transform: translate( -50%, -8px); border-width: 0 7.5px 8px 7.5px; border-top-color: transparent; border-left-color: transparent; border-right-color: transparent; } .jss140::before { left: 50%; bottom: 0; transform: translate(-50%, 8px); border-width: 8px 7.5px 0 7.5px; border-left-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss141 { width: 100%; cursor: pointer; background: none; text-align: left; } .jss188 { position: relative; } .jss26 { border: none; height: 48px; margin: 0; display: inline-block; padding: 0; background: none; } .jss26 svg { fill: #003574; } .jss27 { margin-top: -5px; } @media (max-width:1023.95px) { .jss28 .MuiPaper-root { width: 100%; } } .jss263 { margin: 0 auto; } @media (min-width:640px) { .jss263 { margin: 0 28px; } } @media (min-width:875px) { .jss264 { width: 600px; margin: 0 73px; } } .jss265 { padding-bottom: 16px; } @media (min-width:1085px) { .jss265 { width: 810px; margin: 0 73px; } } .jss266 { margin: 0 auto; margin-bottom: 16px; } .jss267 { margin: 0; font-size: 18px; text-align: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 24px; } @media (min-width:900px) { .jss267 { font-size: 24px; line-height: 1.3333333333333333; } } .jss267 a { color: inherit; text-decoration: none; } @media (min-width:640px) { .jss267 { font-size: 24px; } } .jss268 { margin: 0 auto; margin-top: 16px; margin-bottom: 7px; } @media (min-width:1024px) { .jss268 { margin-top: 0; margin-bottom: 24px; } } .jss269 { margin: 0; font-weight: 300; } .jss270 { padding: 16px; border-top: 1px solid #E5E5E5; } @media (min-width:640px) { .jss270 { padding: 24px 0; } } .jss271 { padding-bottom: 16px; } .jss272 { display: none; } .jss273 { display: initial; } .jss274 { display: flex; padding: 24px; align-items: center; justify-content: center; } .jss275 { display: flex; max-height: 246px; align-items: center; margin-bottom: 16px; justify-content: center; } @media (max-width:639.95px) { .jss275 { max-height: unset; } } .jss275 img { width: auto !important; height: 246px !important; } @media (max-width:639.95px) { .jss275 img { width: 100% !important; height: unset !important; } } .jss226 { width: 100%; display: block; overflow: hidden; } @media (max-width:1023.95px) { .jss226 { margin-bottom: 20px; } } @media (min-width:1024px) { .jss226 { display: flex; padding: initial; } } .jss226.slide--fullWidth { background-size: cover; background-repeat: no-repeat; background-position: center center; } @media (min-width:1280px) { .jss226.slide--fullWidth { min-height: 580px; } } @media (max-width:1023.95px) { .jss227 { max-width: unset; } } @media (max-width:1023.95px) { .jss228 { display: flex; flex-direction: column; } } .jss228.jss228 .sectionheader__title { margin-top: 43px; } .jss228 .jss233 { max-width: 390px; flex-shrink: 0; padding-right: 60px; } .jss228 .jss235 ul[style="list-style-type: checks;"] { padding-left: 26px; } @media (max-width:1023.95px) { .jss228 .jss229 { order: 2; } } .jss228 .jss235 ul[style="list-style-type: checks;"] li { margin-bottom: 17px; } @media (max-width:1023.95px) { .jss228 .jss235 ul[style="list-style-type: checks;"] li { margin-bottom: 15px; } } @media (max-width:1279.95px) { .jss228 .jss233 { max-width: 320px; padding-right: 30px; } } @media (max-width:1023.95px) { .jss228 .jss233 { max-width: unset; padding-right: 0px; } } @media (max-width:1023.95px) { .jss228.jss228 .sectionheader__title { font-size: 24px; margin-top: 0px; line-height: 32px; margin-bottom: 15px; } } .jss229 { flex: 1; display: flex; position: relative; } @media (min-width:1024px) { .jss229 { padding-top: 40px; padding-bottom: 40px; } } @media (min-width:1280px) { .jss229 { padding-top: 40px; padding-bottom: 40px; } } @media (min-width:640px) { .jss230 { margin: 0 auto; max-width: 708px; } } @media (min-width:1024px) { .jss230 { margin: unset; max-width: 50%; padding-left: 15px; padding-right: 15px; } } @media (min-width:1280px) { .jss230 { padding-top: 44px; padding-left: 14px; padding-right: unset; } } @media (min-width:1024px) { .jss231 { padding-top: 128px; } } @media (min-width:1024px) { .jss232 { padding-bottom: 144px; } } .jss233 { width: 100%; margin-top: 13px; text-align: center; } @media (min-width:1024px) { .jss233 { align-self: center; margin-top: 0; text-align: start; padding-right: 20px; } } .jss233 li { text-align: start; } .jss233 .sectionheader__supertitle { margin-bottom: 0; } .jss233 .sectionheader__title { font-size: 24px; max-width: none; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 14px; } .jss233 .sectionheader__subtitle { display: block; font-size: 11px; line-height: 1; margin-bottom: 4px; letter-spacing: 1.65px; } .jss233 button:focus-visible { border: 2px solid #000 !important; outline: none; } @media (min-width:1024px) { .jss233 .sectionheader__title, .jss233 .sectionheader__supertitle, .jss233 .sectionheader__subtitle { text-align: left; } } @media (min-width:1024px) { .jss233 .sectionheader__subtitle { margin-bottom: 18px; } } @media (min-width:900px) { .jss233 .sectionheader__title { font-size: 48px; line-height: 1.1666666666666667; } } .jss233 .sectionheader__title a { color: inherit; text-decoration: none; } @media (min-width:640px) { .jss233 .sectionheader__title { margin-bottom: 18px; } } @media (min-width:1024px) { .jss233 .sectionheader__title { font-size: 48px; line-height: 56px; margin-bottom: 26px; } } @media (min-width:1024px) { .jss233 .sectionheader__supertitle { margin-bottom: 14px; } } @media (max-width:639.95px) { .jss234 { margin-top: 20px; } } .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] { padding-left: 25px; } @media (max-width:639.95px) { .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] { padding-left: 26px; } .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] li { margin-bottom: 16px; } } @media (min-width:1024px) { .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] li { margin-bottom: 20px; } } .jss235 { font-size: 16px; margin-top: 0; font-weight: 300; line-height: 20px; } @media (min-width:1024px) { .jss235 { margin-top: 24px; line-height: 24px; } } .jss235>p { margin: 0; } .jss236 { order: 2; height: auto; padding: 13px 0px 0px 0px; align-self: center; text-align: center; align-items: center; justify-content: center; } .jss236.jss237 img, .jss236.jss238 img, .jss236.jss237 .next-image-classname, .jss236.jss238 .next-image-classname { width: auto !important; min-width: auto !important; object-fit: unset !important; } @media (min-width:640px) { .jss236 { padding: 8px 0px; } } @media (min-width:1024px) { .jss236 { padding: 0; text-align: right; justify-content: right; } .jss236 .next-image-classname { line-height: 0; } .jss236.jss224 { min-width: 509px; min-height: 448px; } .jss236.jss223 { min-width: 524px; min-height: 584px; } .jss236.jss223.jss237, .jss236.jss223.jss238 { min-width: 524px; min-height: 584px; } .jss236.jss223 img, .jss236.jss223 .next-image-classname img { max-width: 524px !important; max-height: 584px !important; line-height: 0; } .jss236.jss223.jss237 .next-image-classname, .jss236.jss223.jss238 .next-image-classname { margin: 56px 0; padding: 0; } .jss236.jss223.jss237 img, .jss236.jss223.jss238 img, .jss236.jss223.jss237 .next-image-classname img, .jss236.jss223.jss238 .next-image-classname img { margin: 56px 0; padding: 0; max-width: 524px !important; max-height: 472px !important; } .jss236.jss224 img, .jss236.jss224 .next-image-classname img { max-width: 509px !important; max-height: 448px !important; } .jss236.jss224.jss237 img, .jss236.jss224.jss238 img, .jss236.jss224.jss237 .next-image-classname, .jss236.jss224.jss238 .next-image-classname { margin: 36px 0; padding: 0; } } @media (min-width:1280px) { .jss236.jss224 { min-width: 600px; } .jss236.jss223 { min-width: 705px; } .jss236.jss223.jss237, .jss236.jss223.jss238 { min-width: 705px; } .jss236.jss223 img, .jss236.jss223 .next-image-classname img { max-width: 705px !important; } .jss236.jss223.jss237 img, .jss236.jss223.jss238 img, .jss236.jss223.jss237 .next-image-classname img, .jss236.jss223.jss238 .next-image-classname img { max-width: 600px !important; } .jss236.jss224 img, .jss236.jss224 .next-image-classname img { max-width: 600px !important; } } .jss236.jss225 { margin: 0 -16px; padding: 0; } .jss236 .no-next-image-classname { max-width: 100%; max-height: 140px; } .jss236 .next-image-classname img { height: 100% !important; max-width: 100% !important; max-height: 152px !important; } @media (min-width:640px) { .jss236 .next-image-classname img { max-width: 706px !important; max-height: 272px !important; } } @media (min-width:640px) { .jss236 .no-next-image-classname { max-width: 706px; max-height: 272px; } } @media (min-width:640px) { .jss236.jss225 { margin: 0 -30px; } } .jss236.jss225 img, .jss236.jss225 .next-image-classname img { width: 100vw !important; max-width: unset !important; max-height: unset !important; } .jss237 { padding: 0; margin-top: 20px; margin-bottom: 13px; } @media (min-width:1024px) { .jss237 { margin: 0; } } .jss237 img { border-radius: 20px; } @media (min-width:640px) { .jss237 img { border-radius: 50px; } } .jss238 img { border-radius: 25px 0 25px 0; } @media (min-width:640px) { .jss238 img { border-radius: 50px 0 50px 0; } } .jss239 img { border-radius: 0; } .jss240 { width: 100%; display: inline-flex; margin-top: 8px; align-items: center; flex-direction: column; } @media (min-width:640px) { .jss240 { width: auto; display: flex; margin-top: 24px; flex-direction: row-reverse; justify-content: center; } } @media (min-width:1024px) { .jss240 { margin-top: 38px; flex-direction: row; justify-content: flex-start; } } .jss240 a, .jss240 button { width: 100%; margin: 0; display: block; overflow: hidden; max-width: 100%; min-width: 136px; white-space: nowrap; text-overflow: ellipsis; } .jss240 a:focus-visible, .jss240 button:focus-visible { border: 2px solid #000; outline: none; } @media (max-width:639.95px) { .jss240 a:nth-of-type(2), .jss240 button:nth-of-type(2) { margin-top: 12px; } } @media (min-width:640px) { .jss240 a, .jss240 button { width: 232px; margin-right: 30px; } .jss240 a:nth-of-type(1), .jss240 button:nth-of-type(1) { margin-right: 0; } } @media (min-width:1024px) { .jss240 a, .jss240 button { width: 210px; } .jss240 a:nth-of-type(1), .jss240 button:nth-of-type(1) { margin-right: 30px; } .jss240 a:nth-of-type(2), .jss240 button:nth-of-type(2) { margin-right: 0; } } @media (max-width:639.95px) { .jss241 { margin-top: 6px; } } @media (min-width:1024px) { .jss241 { margin-top: 40px; } } .jss241 a, .jss241 button { width: 188px; } @media (min-width:640px) { .jss241 a, .jss241 button { width: 180px; } } .jss242 { display: flex; align-items: start; padding-top: 20px; justify-content: start; } @media (min-width:640px) { .jss242 { padding-top: 40px; } } .jss242 svg { width: 24px; height: 24px; margin-top: -1px; } .jss243 { color: #636363; width: calc(100% - 24px); font-size: 14px; text-align: left; line-height: 1.5; padding-top: 1px; padding-left: 8px; } .jss243 a { color: #003574; text-underline-offset: 2px; } .jss243 a:hover { color: #001E4B; } .jss244 { width: 330px; display: flex; align-items: center; justify-content: center; } @media (max-width:1279.95px) { .jss244 { width: 320px; } } @media (max-width:1023.95px) { .jss244 { order: 1; width: 100%; display: flex; align-items: center; justify-content: center; } } .jss244 .next-image-classname { display: flex; align-items: center; justify-content: center; } .jss244 img { width: 100%; } @media (max-width:1023.95px) { .jss244 img { width: auto; max-height: 112px; } } .jss245 { order: 3; width: 390px; border: solid 1px #E5E5E5; position: relative; max-height: 536px; flex-shrink: 0; margin-left: 60px; border-radius: 16px; } @media (max-width:1279.95px) { .jss245 { width: 320px; margin-left: 30px; } } @media (max-width:1023.95px) { .jss245 { width: 100%; border: unset; margin-top: 72px; max-height: unset; margin-left: 0px; } } .jss217 { position: relative; } @media (max-width:639.95px) { .jss217.multiple .slick-list { min-height: 375px; } } .jss218 { margin: 0 auto; max-width: 1507px; } .jss219 { user-select: text; } .jss219.draggable { user-select: none; } .jss219 .slick-dots { margin-top: 0; margin-bottom: 0; } .jss219 .slick-slide { visibility: hidden; } .jss219 .slick-slide.slick-active { visibility: visible; } .jss220 { position: relative; } .jss220::before { inset: 50% 0 0; width: 100vw; height: 1px; content: ""; position: absolute; transform: translateX(-50%); background: #E5E5E5; margin-left: 50%; } .jss220 .slick-dots li { display: flex; } .jss221 { display: flex; position: relative; background: #ffffff; align-items: center; } .jss222 { border: 0; padding: 5px; margin-top: 3px; background-color: transparent; } .jss222 svg { fill: #003574; } .jss15 { color: #000000; padding: 0; font-size: 14px; font-family: pkobp,Helvetica,Arial,sans-serif; letter-spacing: 0; text-transform: none; } .jss15:focus-visible { outline: solid 2px #000000; } .jss15 svg { fill: #003574; margin-left: 2px; } @media (min-width:1280px) { .jss15:hover { color: #003574; background-color: transparent; } } @media (max-width:1279.95px) { .jss16 { border: none; background-color: #00000066; } } .jss17 { border: 1px solid #D5D5D5; padding: 16px 16px 8px 16px; box-shadow: 0px 10px 16px #00000029; border-radius: 10px; } @media (max-width:1279.95px) { .jss17 { top: initial !important; left: 0 !important; right: 0 !important; width: 100%; bottom: 0; padding: 16px; max-width: 100% !important; max-height: fit-content !important; border-bottom-left-radius: 0; border-bottom-right-radius: 0; } .jss17>ul { max-height: calc(48px * 6); } } @media (min-width:1280px) { .jss17 { transform: translate(-24px,-45px); } } .jss17>ul { padding: 0; } @media (min-width:1280px) { .jss18 { transform: translate(-22px, 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50%; display: inline-block; padding: 13px; text-align: center; border-top-left-radius: 8px; border-top-right-radius: 8px; } .jss12:hover { background: #fff; } } @media (min-width:1024px) { .jss12 { line-height: 24px; } .jss12:not(:first-of-type) { margin-left: 48px; } .jss12:hover { color: #636363; } } @media (max-width:1023.95px) { .jss13 { background: #fff; } } @media (min-width:1024px) { .jss13 { color: #636363; } } .jss14 { color: #000; width: auto; display: flex; align-items: center; line-height: 20px; justify-content: start; } @media (max-width:1023.95px) { .jss14 { padding: 9px 17px; } } .jss14 > svg { margin-left: 2px; } .jss14:hover { color: inherit; } .jss88 { background: #fff; transition: box-shadow .2s ease-in-out; border-bottom: 1px solid #E5E5E5; } .jss88.menu__scrolled { box-shadow: 0px 3px 40px #0000001F; border-bottom: 1px solid #D5D5D5; } .jss88.menu_withoutShadow { box-shadow: none; } @media (max-width:1023.95px) { .jss88 { display: none; } } .jss89 { margin: auto; display: flex; max-width: 1230px; padding-top: 20px; justify-content: space-between; } @media (max-width:1259.95px) { .jss89 { padding-left: 15px; padding-right: 15px; } } .menu__scrolled .jss89 { max-height: 64px; padding-top: 0; } .jss90 { display: flex; justify-content: space-between; } .jss91 { margin-top: 9px; margin-right: 72px; margin-bottom: 27px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss91 { margin-right: 32px; } } .menu__forCompanies .jss91 { margin-top: 0px; margin-right: 56px; margin-bottom: 21px; } .menu__scrolled .jss91 { margin-top: 8px; margin-right: 64px; margin-bottom: 8px; } @media (max-width:1149.95px) { .menu__scrolled .jss91 { margin-right: 24px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__scrolled .jss91 { margin-right: 16px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__forCompanies .jss91 { margin-right: 32px; } } .jss93 { height: 24px; margin: 10px 0; } .jss94 { margin-top: 36px; } .menu__forCompanies .jss94 { margin-top: 22px; } .menu__scrolled .jss94 { margin-top: 24px; } .jss96 { display: flex; position: relative; align-items: center; margin-bottom: 20px; } .jss97 { width: 100%; justify-content: flex-end; } .jss98 { right: 100%; position: absolute; margin-right: 29px; } .jss99 { height: 40px; margin: 0; padding: 14px 25px 12px 26px; font-size: 14px; min-width: unset; min-height: unset; margin-left: 45px; } .jss99:focus { background: #CC7A09; } .jss100 { margin: 12px 0; display: flex; justify-content: flex-end; } .menu__forCompanies:not(.menu__scrolled) .jss100 { margin-top: 11px; } .jss101 { display: flex; align-items: center; } @media (min-width:1024px) { .jss2 { display: none; } } .jss4 { background: #F2F2F2; padding-top: 1px; } .jss5 { display: flex; align-items: center; padding-right: 16px; justify-content: space-between; } .jss6 { background: #F2F2F2; border-bottom: 1px solid #E5E5E5; } .jss7 { display: flex; } .jss8 { display: flex; padding: 8px 7px 8px 16px; background: #fff; justify-content: space-between; } .jss9 { border-top-left-radius: 16px; border-top-right-radius: 16px; } @media (min-width:1280px) { .jss571 { display: flex; flex-wrap: nowrap; align-items: center; justify-content: flex-end; } } .jss572 { width: 100%; display: flex; margin-bottom: 28px; justify-content: center; } @media (min-width:640px) { .jss572 { margin-bottom: 22px; } } @media (min-width:1280px) { .jss572 { order: 2; width: auto; min-width: 330px; margin-bottom: 0; justify-content: end; } } .jss573 { width: 100%; display: flex; } @media (min-width:640px) { .jss573 { text-align: center; justify-content: center; } } @media (max-width:639.95px) { .jss573 { flex-direction: column-reverse; } } @media (min-width:1280px) { .jss573 { order: 1; margin-top: 0; text-align: left; justify-content: flex-start; } } .jss574 { color: #636363; margin: 0; display: inline; font-size: 14px; font-weight: 400; } @media (max-width:639.95px) { .jss574 { display: block; text-align: center; } .jss574:nth-of-type(1) { margin-top: 12px; } } @media (min-width:640px) { .jss574:nth-of-type(2) { margin-left: 48px; } } .jss574:nth-of-type(2) a { color: #636363; text-decoration: unset; } .jss574:nth-of-type(2):hover { color: #003574; } .jss574:nth-of-type(2) a:hover { color: #003574; } .jss575 { display: flex; margin-bottom: 32px; justify-content: center; } @media (min-width:1280px) { .jss575 { order: 3; margin-left: 48px; margin-bottom: 0; } } .jss576 { width: 100%; display: flex; margin-top: 30px; justify-content: center; } @media (min-width:640px) { .jss576 { margin-top: 26px; } } @media (min-width:1280px) { .jss576 { order: 3; width: auto; margin-top: 0; margin-left: 48px; margin-bottom: 0; } } .jss577 { width: fit-content; border: 1px solid #D5D5D5; height: 40px; margin: 0; display: flex; padding: 8px 20px 8px 12px; font-size: 14px; min-width: 118px; transition: background-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; border-radius: 8px; } .jss577>svg { margin-top: -2px; margin-right: 8px; } .jss577:hover { color: #000; background: #F9F9F9; } .jss53 .MuiPaper-root { max-width: 1020px; } .jss54 { margin-top: -10px; } .jss54>p { font-size: 18px; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss54>p { font-size: 24px; line-height: 1.3333333333333333; } } .jss54>p a { color: inherit; text-decoration: none; } @media (max-width:639.95px) { .jss55 { padding: 20px 16px; margin-right: 0; } } .jss56 { margin-top: 8px; } @media (min-width:640px) { .jss56 { margin-top: 0; } } @media (min-width:1024px) { .jss56 { width: 100%; padding: 0 85px 0 80px; margin-top: -10px; } } @media (min-width:1024px) { .jss57 { margin-top: -20px; } } @media (min-width:640px) { .jss57 .jss61 { padding-bottom: 5px; } } @media (min-width:640px) { .jss57 .jss69 { margin-top: 34px; margin-bottom: 40px; } } .jss58 { margin-bottom: 20px; } @media (min-width:1024px) { .jss58 { margin-bottom: 16px; } } .jss59 { padding: 19px; } @media (min-width:640px) { .jss59 { height: 100%; display: flex; padding: 24px 20px; } } @media (max-width:639.95px) { .jss60 { margin-top: 16px; } } .jss61 { display: flex; justify-content: space-between; } @media (max-width:639.95px) { .jss61 { align-items: center; } } @media (min-width:640px) { .jss61 { flex-direction: column; } } .jss62 { width: 120px; height: 24px; } @media (min-width:1024px) { .jss62 { width: 160px; height: 32px; } } .jss63 { background: url(/_next/static/media/ipko.afafa3ee.svg) no-repeat; background-size: 50%; background-position-y: 50%; } .jss64 { background: url(/_next/static/media/ipkobiznes.7256b9c3.svg) no-repeat; background-size: 95%; } .jss65 { margin-top: 19px; line-height: 18px; margin-bottom: 19px; } .jss66 { font-size: 14px; font-weight: 300; line-height: 20px; } .jss67 { color: #003574; text-decoration: none; } @media (min-width:640px) { .jss67 { margin-left: 5px; } } .jss68 { margin: 0; font-size: 16px; } .jss69 { margin-top: 36px; margin-bottom: 84px; } @media (min-width:640px) { .jss69 { margin-top: 42px; margin-bottom: 40px; } } .jss70 { gap: 16px; display: flex; flex-wrap: wrap; margin-top: 20px; align-items: center; } @media (min-width:640px) { .jss70 { gap: 20px; margin-top: 17px; } } .jss71 { width: calc(50% - 8px); height: 56px; } @media (min-width:640px) { .jss71 { width: calc(20% - 16px); height: 80px; } } .jss72 { height: 100%; display: flex; padding: 1px; align-items: center; padding-top: 4px; border-radius: 8px; justify-content: center; } .jss72 div { text-align: center !important; } .jss72 img { max-width: 100%; transform: scale(0.7); max-height: 100%; } .jss72 .next-image-classname span { width: 132px !important; height: 52px !important; } @media (min-width:640px) { .jss72 .next-image-classname span { width: 142px !important; height: 76px !important; } } .jss73 { transform: translateY(-40px); margin-top: 90px; transition: transform 300ms ease 0ms; } @media (min-width:640px) { .jss73 { margin-top: 84px; } } .jss74 { font-size: 16px; } @media (min-width:1024px) { .jss74 { font-size: 18px; } } .jss115 { list-style-type: none; } @media (max-width:1279.95px) { .jss116.jss116 { border: none; height: 100%; padding: 16px; min-height: 92px; border-bottom: 1px solid #E5E5E5; border-radius: 0; } } @media (min-width:1280px) { .jss116.jss116 { height: 132px; display: flex; padding: 32px 20px; align-items: center; justify-content: flex-start; } } @media (max-width:1023.95px) { .jss116.jss116 { padding: 12px 0 11px 0; min-height: unset; } } .jss117 { display: flex; align-items: center; justify-content: space-between; } @media (min-width:1280px) { .jss118 { padding-left: 26px; } } .jss119 { display: flex; align-items: center; } .jss120 { width: 48px; height: 48px; flex-shrink: 0; margin-right: 16px; } .jss120 .no-next-image-classname { width: 100%; height: 100%; } .jss121 { color: #000000; margin: 0; font-size: 18px; line-height: 1; } @media (max-width:1023.95px) { .jss121 { font-size: 16px; } } @media (min-width:1280px) { .jss121 { display: flex; align-items: center; line-height: 1.33; justify-content: flex-start; } .jss121 svg { margin-left: 8px; } } .jss122 { color: #000000; line-height: 20px; margin-bottom: 0; } @media (max-width:1279.95px) { .jss122 { margin-top: 6px; } } @media (min-width:1280px) { .jss122 { margin-top: 4px; } } .jss123 { max-height: 24px; margin-left: 6px; margin-right: -3px; } @media (max-width:1279.95px) { .jss123 svg { fill: #003574; transform: rotate(-90deg); } } @media (min-width:1280px) { .jss123 { display: none; } } .jss162 { width: 100%; display: flex; margin-top: 30px; justify-content: center; } @media (max-width:1023.95px) { .jss162 { margin-top: 16px; } } .jss163 { margin: 0; text-align: center; word-break: break-word; white-space: pre-wrap; } @media (max-width:1023.95px) { .jss163 { min-width: 290px; } } @media (min-width:1024px) { .jss164 { padding-left: 25px; padding-right: 25px; } } .jss165 { margin-top: 30px; } .jss166 { height: 134px; padding: 32px 20px; } .jss167 { height: 100%; display: flex; align-items: center; justify-content: center; } .jss168 { color: #000000; margin: 0; display: flex; font-size: 18px; align-items: center; line-height: 1; } .jss168 svg { transform: rotate(-90deg); margin-left: 8px; }</style></head><body style="overflow-x:hidden"><div id="__next" data-reactroot=""><div class="pkobp-page-overlay"></div><noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-NZQMN2W" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript><script type="text/javascript">(()=>{window.dataLayer=window.dataLayer||[];const e=(e=>{let t=e+"=",n=decodeURIComponent(document.cookie).split(";");for(let e=0;e<n.length;e++){let a=n[e];for(;" "==a.charAt(0);)a=a.substring(1);if(0==a.indexOf(t))return 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id="chat-prod-widget" tooltip-text="W czym mogę Ci pomóc?"></chat-component> <script> document.getElementById("chat-prod-widget").addEventListener("click",t=>{window.dataLayer=window.dataLayer||[],dataLayer.push({event:"chatbot_clicked",chat_page:window.location.pathname,chat_vertsion:t.target.attributes.version.value})}); </script><div class="frontMode MuiBox-root css-0"><a class="jss1" href="#main">Przejdź to głównej części strony</a><header class="MuiBox-root css-j1fy4m"><div class="fullWidth MuiBox-root css-1ndk1zt"><div class="MuiBox-root css-0" data-type="MENU" data-snippet="snippet"><div class="jss2 MuiBox-root css-0"><div class="jss3 MuiBox-root css-0" data-cy="MenuMobile" id="nav-full-ba3ef72c27ba-men-33039"><div class="jss4 MuiBox-root css-0"><div class="jss10 jss11 MuiBox-root css-0" data-cy="Menu-MainPositions--positions-select"><nav class="MuiBox-root css-0" role="navigation" aria-label="Menu główne, pozycje główne"><button class="MuiButtonBase-root MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium jss15 css-gffgv3" tabindex="0" type="button" aria-controls="button-menu-062352e7-522c-44e9-af93-7df1bb2e3988" aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></button></nav></div><div class="MuiBox-root css-0"></div></div><div class="jss6 MuiBox-root css-0"><div class="jss8 jss9 MuiBox-root css-0"><div class="MuiBox-root css-70qvj9"><a class="jss24" data-cy="MenuLogo-link--link" id="nav-full-ba3ef72c27ba-men-33039-l-33045" href="/[...*]"><img src="/api/public/63086f97-c7b3-436b-a060-a2947f8713f4.svg" class="no-next-image-classname" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/></a></div><div class="jss7 MuiBox-root css-0"><button class="jss26" aria-label="Otwórz modal wyszukiwarki"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="48" height="48" viewBox="0 0 48 48"><g transform="translate(-1109 -475)"><rect width="48" height="48" transform="translate(1109 475)" opacity="0"></rect><rect data-name="pole" width="40" height="40" transform="translate(1113 479)" opacity="0"></rect><g transform="translate(1119.672 485.674)"><path data-name="Path 1260" d="M106.979,782.264a11.329,11.329,0,0,0-.591-15.015,10.553,10.553,0,0,0-15.233,0,11.327,11.327,0,0,0,0,15.688,10.539,10.539,0,0,0,14.656.537l6.536,6.718a1.624,1.624,0,0,0,2.344,0Zm-14.653-.534a9.586,9.586,0,0,1,0-13.274,8.929,8.929,0,0,1,12.89,0,9.584,9.584,0,0,1,0,13.274A8.929,8.929,0,0,1,92.327,781.73Z" transform="translate(-88 -764)"></path></g></g></svg></button><a class="jss50 jss51" tabindex="0" role="button" data-cy="MenuLoginButton--login-button" aria-label="Zaloguj się" id="nav-full-ba3ef72c27ba-men-33039-l-33047"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="48" height="48" viewBox="0 0 48 48"><g transform="translate(-116 -473)"><rect width="48" height="48" transform="translate(116 473)" fill="#003574" opacity="0.001"></rect><rect data-name="pole" width="48" height="48" transform="translate(120 477)" fill="#003574" opacity="0.001"></rect><g transform="translate(128.333 482.67)"><path data-name="Path 1498" d="M30.833-406.333h-17.5v-2.5a7.254,7.254,0,0,1,7.5-7.5,7.159,7.159,0,0,1,7.349,5.9l1.636-.318A8.872,8.872,0,0,0,20.833-418a8.866,8.866,0,0,0-9.167,9.167v2.653A2.5,2.5,0,0,0,10-403.833v11.667a2.5,2.5,0,0,0,2.5,2.5H30.833a2.5,2.5,0,0,0,2.5-2.5v-11.667A2.5,2.5,0,0,0,30.833-406.333Zm.833,14.167a.834.834,0,0,1-.833.833H12.5a.834.834,0,0,1-.833-.833v-11.667a.835.835,0,0,1,.833-.833H30.833a.834.834,0,0,1,.833.833Z" transform="translate(-10 418)" fill="#003574"></path><path data-name="Path 1499" d="M23.333-399A3.42,3.42,0,0,0,20-395.667a3.428,3.428,0,0,0,2.5,3.2v.962a1.667,1.667,0,0,0,1.667,1.667v-2.629a3.428,3.428,0,0,0,2.5-3.2A3.42,3.42,0,0,0,23.333-399Zm0,5a1.757,1.757,0,0,1-1.667-1.667,1.757,1.757,0,0,1,1.667-1.667A1.757,1.757,0,0,1,25-395.667,1.757,1.757,0,0,1,23.333-394Z" transform="translate(-11.667 414.833)" fill="#003574"></path></g></g></svg> </a></div></div></div></div><nav class="jss81 MuiBox-root css-0" role="navigation" aria-label="Nawigacja w menu głównym, pozycje podrzędne"><ul class="jss82 MuiBox-root css-0"><li class="jss83 MuiBox-root css-0"><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-start--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-0" href="https://www.pkobp.pl"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-1774 -767)"><g transform="translate(1478 -421)"><path data-name="Path 1284" d="M376,1268H350v-24H338v24H312v-32h-8l40-28.5,40,28.5h-8Zm-22-4h18v-32l-28-19.5L316,1232v32h18v-24h20Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(1774 767)" fill="inherit" opacity="0"></rect></g></svg></div><span>Start</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-0--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-df4e0f210f55" href="https://www.pkobp.pl/klient-indywidualny/oferta"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120 -765)"><g transform="translate(-96 1330)"><path data-name="Path 2144" d="M260-525h4a4,4,0,0,1,4-4,4,4,0,0,1,4,4h4a8,8,0,0,0-8-8A8,8,0,0,0,260-525Z" fill="inherit"></path><path data-name="Path 2145" d="M243.888-521A3.831,3.831,0,0,1,240-525a3.625,3.625,0,0,1,3.631-4c.085,0,.283-.006.369,0v-4a7.763,7.763,0,0,0-8,7.433c0,.151,0,.3,0,.454l0,30.233a10.077,10.077,0,0,0,10.116,9.844L296-485v-36ZM292-489H246.353A6.145,6.145,0,0,1,240-494.884v-23.14A7.266,7.266,0,0,0,243.888-517H292Z" fill="inherit"></path><path data-name="Path 2146" d="M280-505h-8v4h12S284-505,280-505Z" fill="inherit"></path><path data-name="Path 2147" d="M284-525v-20H266.828L252-530.172V-525h-4v-24h40v24Zm-32-20v9.172L261.172-545Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 765)" fill="inherit" opacity="0"></rect></g></svg></div><span>Oferta</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-1--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-c48705207c33" href="/[...*]"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32"><defs><style>.a{fill:none;opacity:0;stroke:none}.b{fill:inherit;stroke-width:0;}</style></defs><g transform="translate(-0.246)"><rect class="a" width="32" height="32" transform="translate(0.246)"></rect><g transform="translate(0.841 -0.664)"><path class="b" d="M0,0V18.747H12.151V0H0M-1.33-1.33H13.481V20.077H-1.33Z" transform="translate(9.334 7.295)"></path><circle class="b" cx="1.5" cy="1.5" r="1.5" transform="translate(13.904 20.364)"></circle></g></g></svg></div><span>Bankowość elektroniczna</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-2--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-41bf00df6203" href="https://www.pkobp.pl/pomoc-kontakt"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120 -797)"><g transform="translate(120 1077)"><path data-name="Path 2524" d="M48-264a32,32,0,0,0-32,32,32,32,0,0,0,32,32,32,32,0,0,0,32-32A32,32,0,0,0,48-264Zm0,4a27.857,27.857,0,0,1,18.275,6.833l-5.718,5.718A19.81,19.81,0,0,0,48-252a19.811,19.811,0,0,0-12.518,4.518L29.764-253.2A27.851,27.851,0,0,1,48-260Zm9.834,40.526A15.844,15.844,0,0,1,48-216a15.836,15.836,0,0,1-9.793-3.442,16.015,16.015,0,0,1-2.824-2.834A15.85,15.85,0,0,1,32-232a15.836,15.836,0,0,1,3.475-9.833,16.01,16.01,0,0,1,2.841-2.816A15.841,15.841,0,0,1,48-248a15.843,15.843,0,0,1,9.725,3.384,16.105,16.105,0,0,1,2.834,2.822A15.842,15.842,0,0,1,64-232a15.842,15.842,0,0,1-3.352,9.685A16.066,16.066,0,0,1,57.834-219.474ZM20-232a27.85,27.85,0,0,1,6.928-18.379l5.713,5.712A19.816,19.816,0,0,0,28-232a19.816,19.816,0,0,0,4.551,12.557l-5.719,5.718A27.859,27.859,0,0,1,20-232Zm28,28a27.857,27.857,0,0,1-18.342-6.894l5.715-5.714A19.81,19.81,0,0,0,48-212a19.809,19.809,0,0,0,12.666-4.641l5.713,5.713A27.855,27.855,0,0,1,48-204Zm21.2-9.763-5.719-5.719A19.813,19.813,0,0,0,68-232a19.811,19.811,0,0,0-4.607-12.627l5.712-5.715A27.848,27.848,0,0,1,76-232,27.856,27.856,0,0,1,69.2-213.763Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 797)" fill="inherit" opacity="0"></rect></g></svg></div><span>Pomoc i kontakt</span></a><a class="jss84 jss86" data-cy="MenuNestedPositions--position-nested-mobile-3--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-1df48e40262a" href="https://www.pkobp.pl/klient-indywidualny/promocje"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-285 -765)"><g transform="translate(285 765)"><rect data-name="Rectangle 2049" width="96" height="96" fill="inherit" opacity="0"></rect><g data-name="Group 2681"><path data-name="Path 2716" d="M80.828,23.963,55.166,27.185,36.128,10.159,31.464,35.268,9.182,48.4l22.646,11.9,5.4,25.534L55.755,67.7,81.51,70.741,70.182,47.225ZM74.741,65.915,54.324,63.5,39.637,77.888,35.354,57.642,17.4,48.2,35.064,37.79l3.7-19.911,15.1,13.5L74.2,28.827,65.762,47.268Z" fill="inherit"></path></g></g></g></svg></div><span>Promocje</span></a></li></ul></nav></div><div class="jss88 MuiBox-root css-0" data-cy="MenuDesktop" id="nav-full-ba3ef72c27ba-men-33039"><div class="jss89 MuiBox-root css-0" style="transition-duration:.2s"><div class="jss90 MuiBox-root css-0"><div class="jss91 MuiBox-root css-0"><a class="jss24" data-cy="MenuLogo-link--link" id="nav-full-ba3ef72c27ba-men-33039-l-33044" href="/[...*]"><img src="/api/public/3c663fc2-a8dc-4cb9-ab55-9a4ee64b7c35.svg" class="no-next-image-classname" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/><img src="/api/public/63086f97-c7b3-436b-a060-a2947f8713f4.svg" class="no-next-image-classname logo__dontdisplay" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/></a></div><div class="jss92 MuiBox-root css-0"><div class="jss93 MuiBox-root css-0"><div class="jss10 jss11 MuiBox-root css-0" data-cy="Menu-MainPositions--positions-select"><nav class="MuiBox-root css-0" role="navigation" aria-label="Menu główne, pozycje główne"><button class="MuiButtonBase-root MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium jss15 css-gffgv3" tabindex="0" type="button" aria-controls="button-menu-524d3ac8-a1da-4148-81ca-e41fefd0dc0e" aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></button></nav></div></div><div class="jss94 MuiBox-root css-0"><nav class="jss102 MuiBox-root css-0" role="navigation" aria-label="Pozycje drugiego rzędu w menu głównym" data-cy="MenuNestedPositions"><ul class="MuiBox-root css-0"><li class="jss104 jss108 MuiBox-root css-0" data-cy="MenuNestedPositions--position-0"><a href="#" class="menu-position-item" aria-expanded="false" data-cy="MenuNestedPositions--position-link" aria-label="Zwiń lub rozwiń podmenu dla Oferta"><span>Oferta</span><span class="jss103"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="3 3 18 18"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="18" height="18" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></span></a><div class="dropdownLayer jss110 MuiBox-root css-0" data-cy="MenuDropdownLayer"><nav class="jss112 MuiBox-root css-0" role="navigation" aria-label="Warstwa kafli trzeciego rzędu w menu"><section class="MuiBox-root css-j1fy4m"><div class="jss113 MuiBox-root css-1ndk1zt"><ul class="MuiGrid-root MuiGrid-container jss114 css-10qumm3"><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-0"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-0--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-31d6d9fc78e3" href="https://www.pkobp.pl/klient-indywidualny/konta"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-0--label">Konta</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-1"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-1--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-c213f017026d" href="https://www.pkobp.pl/klient-indywidualny/karty-platnosci"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-1--label">Karty i płatności</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-2"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-2--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-9cec5d108078" href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-2--label">Pożyczki i kredyty</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-3"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-3--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-50f1d5e9662a" href="https://www.pkobp.pl/klient-indywidualny/ubezpieczenia"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-3--label">Ubezpieczenia</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 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class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><span></span></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss217 single MuiBox-root css-0" id="bd-col-6562f4ea05c4-hb-84634"><div class="jss226 slide--long MuiBox-root css-0" id="bd-col-6562f4ea05c4-hb-84634-pos-359b31de9c33"><div class="jss229 jss236 jss239 jss223 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="" _loading="eager" sizes="100vw" srcSet="/api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 640w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 750w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 828w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 1080w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 1200w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 1920w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 2048w, /api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png 3840w" src="/api/public/892d1cf4-542a-41d1-b685-5ce3fde48227.png" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/></span></div></div><div class="jss229 MuiBox-root css-0"><div class="jss233 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss150 sectionheader__supertitle jss254 jss251" data-cy="SectionHeader--title"><strong>KREDYT HIPOTECZNY WŁASNY KĄT</strong></div><h1 class="jss152 sectionheader__title jss255 jss251" data-cy="SectionHeader--subtitle" id="">Najlepszy kredyt hipoteczny</h1></div><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace jss235" style="word-break:break-word"><ul style="list-style-type:checks"> <li>Złóż wniosek i podpisz umowę w 100% online - <strong>Nowość</strong>!</li> <li>Wystarczy, że masz 10% wkładu własnego</li> <li>Oprocentowanie stałe przez 5 lat lub zmienne</li> <li>Możesz mieć 0,5% prowizji – jeśli skorzystasz z ubezpieczenia na życie</li> </ul> <p><a href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki/kredyt-hipoteczny#bd-col-64daac26a4d0-wswg-84786">RRSO w PKO Banku Polskim <span data-content="dd_RRSO-KH-PKO-Z">...</span></a></p> <p><a href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki/kredyt-hipoteczny#bd-col-64daac26a4d0-wswg-84786">RRSO w PKO Banku Hipotecznym <span data-content="dd_RRSO-KH-BH-Z">...</span></a></p></div><div class="jss240 MuiBox-root css-0"><button class="jss169 jss172 HeroCtaBtn" data-cy="Button-Zamów_rozmowę" type="button" tabindex="0" id="bd-col-6562f4ea05c4-hb-84634-pos-359b31de9c33-btn-84640">Zamów rozmowę</button><button class="jss169 jss173 HeroCtaBtn" data-cy="Button-Oblicz_ratę_i_zdolność" type="button" tabindex="0" id="bd-col-6562f4ea05c4-hb-84634-pos-359b31de9c33-btn-84644">Oblicz ratę i zdolność</button></div><div class="jss242 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-444 -765)"><rect width="66" height="66" transform="translate(459 780)" fill="#003574" opacity="0"></rect><g transform="translate(444 909)"><path data-name="Path 1694" d="M48.023-108.5a3.167,3.167,0,0,1-3.261-3.215,3.168,3.168,0,0,1,3.261-3.215,3.128,3.128,0,0,1,3.215,3.215A3.127,3.127,0,0,1,48.023-108.5ZM45.242-80v-20s-.439-4.85,5.518-4.85V-80Z" fill="#003574"></path><path data-name="Path 1693" d="M76-128a4,4,0,0,1,4,4v56a4,4,0,0,1-4,4H20a4,4,0,0,1-4-4v-56a4,4,0,0,1,4-4H76m0-4H20a8,8,0,0,0-8,8v56a8,8,0,0,0,8,8H76a8,8,0,0,0,8-8v-56a8,8,0,0,0-8-8Z" fill="#003574"></path></g></g></svg><span class="jss142 jss243" data-cy="Headline-"><a href="https://www.pkobp.pl/aktualnosci/nagrody-zloty-bankier-2024" target="_blank" rel="noopener">Ranking Złoty Bankier</a> w kategorii najlepszy kredyt hipoteczny w 2024</span></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class="fullWidth MuiBox-root css-1ndk1zt"><div class="MuiBox-root css-0" data-type="SCROLLMENU" data-snippet="snippet"></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><a class="jss297 jss300" data-cy="--link" id="bd-col-9883150f487d-b-84653" href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki/kredyt-lub-pozyczka-ze-stala-stopa-procentowa-przez-5-lat"><div class="jss309 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w bannerze" title="kredyty-pożyczki-kredyt-hipoteczny-własny-kąt-stała-stopa" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w bannerze" title="kredyty-pożyczki-kredyt-hipoteczny-własny-kąt-stała-stopa" _loading="lazy" sizes="100vw" srcSet="/api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 640w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 750w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 828w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 1080w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 1200w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 1920w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 2048w, /api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png 3840w" src="/api/public/f2bba0ba-7721-4f8f-86de-225a28c3a1a4.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss305 MuiBox-root css-0"><p class="jss143 jss308" data-cy="Banner--subtitle">Teraz oprocentowanie stałe niższe o 0,5 p.p. przez 5 lat</p><div class="jss151 jss307" data-cy="Banner--subtitle">Oferta dotyczy formularzy informacyjnych wygenerowanych od 24.05. do 31.12.2024 r., a także propozycji cenowych Cyfrowego Kredytu Hipotecznego przedstawionych od 8.11. do 31.12.2024 r.</div></div></a></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss315" data-cy="Tiles-Kafelki" id="bd-col-b16b88000824-kfl-84661"><h2 class="jss153 jss316" style="text-align:center" data-cy="Tiles-Kafelki--subtitle">Co zyskujesz z kredytem hipotecznym?</h2><div class="MuiGrid-root MuiGrid-container jss320 css-xplzgy" role="list"><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss323 css-fsse20" data-cy="undefined--item-container" id="bd-col-b16b88000824-kfl-84661-elem-784ea87d4bab" role="listitem"><div class="css-13bwzhb"><div class="jss325 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Indywidualna marża" title="ilu_percent_144" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Indywidualna marża" title="ilu_percent_144" _loading="lazy" sizes="100vw" srcSet="/api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 640w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 750w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 828w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 1080w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 1200w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 1920w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 2048w, /api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg 3840w" src="/api/public/f3e34a02-dd82-4535-a642-8aa997096039.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss326 css-npup23"><h3 class="jss154 jss327" data-cy="undefined--item-title">Indywidualna marża</h3><p class="jss145 jss328" data-cy="undefined--item-description">Możesz mieć niższą marżę, jeśli masz lub będziesz mieć inne produkty w banku</p></div></div></div><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss323 css-fsse20" data-cy="undefined--item-container" id="bd-col-b16b88000824-kfl-84661-elem-099b5355bfbe" role="listitem"><div class="css-13bwzhb"><div class="jss325 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Dopasowany czas spłaty" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Dopasowany czas spłaty" _loading="lazy" sizes="100vw" srcSet="/api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 640w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 750w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 828w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 1080w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 1200w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 1920w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 2048w, /api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg 3840w" src="/api/public/d5c7c5f3-b1a9-4fb7-8ee1-aee1c24b42f6.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss326 css-npup23"><h3 class="jss154 jss327" data-cy="undefined--item-title">Dopasowany czas spłaty</h3><p class="jss145 jss328" data-cy="undefined--item-description">Raty rozłożysz nawet na 35 lat</p></div></div></div><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss323 css-fsse20" data-cy="undefined--item-container" id="bd-col-b16b88000824-kfl-84661-elem-08f74124a778" role="listitem"><div class="css-13bwzhb"><div class="jss325 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku W oddziale i online" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku W oddziale i online" _loading="lazy" sizes="100vw" srcSet="/api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 640w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 750w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 828w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 1080w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 1200w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 1920w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 2048w, /api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg 3840w" src="/api/public/f15d9f56-6096-4a25-a4f2-d277b38518ed.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss326 css-npup23"><h3 class="jss154 jss327" data-cy="undefined--item-title">W oddziale i online</h3><p class="jss145 jss328" data-cy="undefined--item-description">Złóż wniosek o kredyt hipoteczny w dowolnym oddziale lub online</p></div></div></div><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss323 css-fsse20" data-cy="undefined--item-container" id="bd-col-b16b88000824-kfl-84661-elem-5d43a15f0a00" role="listitem"><div class="css-13bwzhb"><div class="jss325 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Część kredytu na dowolny cel" title="ilu_loan_144" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Część kredytu na dowolny cel" title="ilu_loan_144" _loading="lazy" sizes="100vw" srcSet="/api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 640w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 750w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 828w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 1080w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 1200w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 1920w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 2048w, /api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg 3840w" src="/api/public/18ff2cfc-5a9c-49cf-8abc-a2e7ccc81b7d.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss326 css-npup23"><h3 class="jss154 jss327" data-cy="undefined--item-title">Część kredytu na dowolny cel</h3><p class="jss145 jss328" data-cy="undefined--item-description">Przeznaczysz do 25% kwoty na co tylko chcesz</p></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx" elementId="bd-col-7ee32ac86e3c" elementIdPrefix="col"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><a class="jss297 jss300" data-cy="--link" target="_blank" id="bd-col-7ee32ac86e3c-b-84681" href="https://www.pkobp.pl/aktualnosci/nagrody-zloty-bankier-2024"><div class="jss309 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Złoty Bankier" title="Złoty Bankier" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Złoty Bankier" title="Złoty Bankier" _loading="lazy" sizes="100vw" srcSet="/api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 640w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 750w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 828w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 1080w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 1200w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 1920w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 2048w, /api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png 3840w" src="/api/public/12080c71-1c25-4f8f-bd2f-e98a7b7eff9d.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss305 MuiBox-root css-0"><div class="jss150 jss306" data-cy="Banner--title">RANKING ZŁOTY BANKIER 2024</div><p class="jss143 jss308" data-cy="Banner--subtitle">Kolejny raz! Zdobyliśmy 1. miejsce w kategorii „Kredyty hipoteczne”</p></div></a></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="MuiBox-root css-0" id="bd-col-8d15bcb0a9c9-tab-84689"><h2 class="jss153 jss332" style="text-align:center" data-cy="Tabs-Taby--title"><span data-cy="Tabs-Taby--title" id="bd-col-8d15bcb0a9c9-tab-84689-title">Weź kredyt hipoteczny</span></h2><div class="jss334 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss337 MuiBox-root css-0" role="tablist" aria-labelledby="bd-col-8d15bcb0a9c9-tab-84689-title"><button class="jss169 jss177 jss338 jss339" data-cy="Button-TabsItem--button" type="button" tabindex="0" id="bd-col-8d15bcb0a9c9-tab-84689-btn-bc64f31a3c90" role="tab" aria-selected="true" aria-controls="bd-col-8d15bcb0a9c9-tab-84689-elem-bc64f31a3c90"><span>Online</span></button><button class="jss169 jss176 jss338" data-cy="Button-TabsItem--button" type="button" tabindex="-1" id="bd-col-8d15bcb0a9c9-tab-84689-btn-342bb7a9f9e7" role="tab" aria-selected="false" aria-controls="bd-col-8d15bcb0a9c9-tab-84689-elem-342bb7a9f9e7"><span>W oddziale</span></button></div></div><div class="MuiBox-root css-0"><div class="jss341 jss340 jss342 MuiBox-root css-0"><div class="jss343 MuiBox-root css-0" id="bd-col-8d15bcb0a9c9-tab-84689-elem-bc64f31a3c90" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-8d15bcb0a9c9-tab-84689-btn-bc64f31a3c90"><div class="jss203"><h3 class="jss154" data-cy="Headline-">Online</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss348 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss350 MuiBox-root css-0"></div><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Oblicz ratę</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Przejdź do kalkulatora i wybierz <strong>Sprawdź propozycję online. </strong> Jeśli jesteś naszym klientem, możesz zalogować się do serwisu iPKO. Odpowiedz na kilka pytań i sprawdź propozycję kredytu dopasowaną do Twoich potrzeb.</p></div></div></div></li><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss350 MuiBox-root css-0"></div><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Złóż wniosek</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Gdy zweryfikujemy wniosek, przekażemy Ci decyzję w serwisie iPKO i e-mailem</p></div></div></div></li><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Zatwierdź umowę</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Podpisz umowę i uruchom kredyt online bez wychodzenia z domu</p></div></div></div></li></ul><div class="jss345 css-j7qwjs"></div></div></div><div class="jss343 jss344 MuiBox-root css-0" id="bd-col-8d15bcb0a9c9-tab-84689-elem-342bb7a9f9e7" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-8d15bcb0a9c9-tab-84689-btn-342bb7a9f9e7"><div class="jss203"><h3 class="jss154" data-cy="Headline-">W oddziale</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss348 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss350 MuiBox-root css-0"></div><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Porozmawiaj z ekspertem</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Wybierz dogodny termin i porozmawiaj z naszym pracownikiem – przez telefon lub w wybranym oddziale. Przygotujemy dla Ciebie propozycję kredytu </p></div></div></div></li><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss350 MuiBox-root css-0"></div><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Złóż wniosek</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Zrobisz to w oddziale, a jeśli masz formularz informacyjny – w serwisie iPKO. Po weryfikacji przekażemy Ci decyzję</p> <p> </p> <p> </p> <p> </p></div></div></div></li><li class="jss349 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss351 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss352 MuiBox-root css-0"><h4 class="jss155 jss353" data-cy="TabsStep--title">Zatwierdź umowę</h4><div class="jss354 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Podpiszesz ją w oddziale – nasz ekspert przedstawi Ci szczegóły Twojego kredytu hipotecznego</p></div></div></div></li></ul><div class="jss345 css-j7qwjs"><button class="jss169 jss173 jss347" data-cy="Button-TabsItem--tab-cta" type="button" tabindex="0" id="bd-col-8d15bcb0a9c9-tab-84689-l-84799-btn">Dowiedz się więcej o wniosku w serwisie iPKO</button></div></div></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss355 jss356 MuiBox-root css-0" data-cy="IconWithLink-Ikona_z_linkiem--container" id="bd-col-58f5cd26052d-ico-103262"><div class="jss358 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika do linku Sprawdź wszystkie cele" title="ico-bulb" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika do linku Sprawdź wszystkie cele" title="ico-bulb" _loading="lazy" sizes="100vw" srcSet="/api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 640w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 750w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 828w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1080w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1200w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1920w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 2048w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 3840w" src="/api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss357 MuiBox-root css-0"><div class="jss360 MuiBox-root css-0"><p class="jss145" style="font-weight:500;margin-top:0px;margin-bottom:0px" data-cy="Headline-IconWithLink-Ikona_z_linkiem--text"><span><strong>Czy mogę wziąć kredyt online?</strong><p></p>Możesz wziąć kredyt online, jeśli chcesz złożyć wniosek samodzielnie (jako jedyny kredytobiorca), masz umowę o pracę i potrzebujesz kredytu na zakup mieszkania na rynku wtórnym lub remont. Możesz również skorzystać z dodatkowej gotówki na dowolny cel.<p></p></span></p></div><button class="jss169 jss177 jss359" data-cy="Button-Sprawdź_szczegóły" type="button" tabindex="0" id="bd-col-58f5cd26052d-ico-103262-btn">Sprawdź szczegóły</button></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:0px" data-snippet="snippet"><div data-cy="HTML-HTML" id="bd-col-aa6e39cdc04c-html-84703"><nemo-web-component formCodeName="CH_PSW_KALK_PROS" controller="start" appUrl="" ></nemo-web-component></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss355 jss356 MuiBox-root css-0" data-cy="IconWithLink-Ikona_z_linkiem--container" id="bd-col-358e2b22058f-ico-84704"><div class="jss358 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika do linku Sprawdź wszystkie cele" title="ico-bulb" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika do linku Sprawdź wszystkie cele" title="ico-bulb" _loading="lazy" sizes="100vw" srcSet="/api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 640w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 750w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 828w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1080w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1200w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 1920w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 2048w, /api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg 3840w" src="/api/public/8241adb4-cf6e-4ed5-b80c-3ce84e0871a3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss357 MuiBox-root css-0"><div class="jss360 MuiBox-root css-0"><p class="jss145" style="font-weight:500;margin-top:0px;margin-bottom:0px" data-cy="Headline-IconWithLink-Ikona_z_linkiem--text"><span><strong>Na jaki cel możesz otrzymać kredyt?</strong><p></p>Dzięki kredytowi możesz:</strong><ul><li>kupić mieszkanie, dom, garaż lub działkę budowlaną</li> <li>kupić i zagospodarować działkę rekreacyjną</li> <li>wybudować dom, wykończyć, wyremontować i wyposażyć nieruchomość</li> <li>nabyć spółdzielcze własnościowe prawo do domu lub mieszkania</li> </ul><p></p></span></p></div><button class="jss169 jss177 jss359" data-cy="Button-Zobacz_wszystkie_cele" type="button" tabindex="0" id="bd-col-358e2b22058f-ico-84704-btn">Zobacz wszystkie cele</button></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:56px;padding-bottom:56px" data-snippet="snippet"><div class="jss373 MuiBox-root css-0" id="bd-col-63c0f12b1e95-sld-98024"><div class="MuiBox-root css-0"><div class="jss150 jss379" style="text-align:center" data-cy="SliderHead--supertitle">FILMY Z INSTRUKCJAMI</div><h2 class="jss153 jss377" style="text-align:center" data-cy="SliderHead--title">Zobacz, jak wziąć kredyt hipoteczny online</h2></div><div class="slick-slider slick-initialized" dir="ltr"><button class="jss380" data-cy="Slick-slider--previous" aria-label="Przewiń na poprzedni slajd karuzeli" tabindex="-1"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="0 0 24 24"><path fill="#003574" d="M15.41,16.58L10.83,12L15.41,7.41L14,6L8,12L14,18L15.41,16.58Z"></path></svg></button><div class="slick-list"><div class="slick-track" style="width:433.33333333333337%;left:-100%"><div data-index="-3" tabindex="-1" class="slick-slide slick-cloned" aria-hidden="true" style="width:7.6923076923076925%"><div><div class="jss383 MuiBox-root css-0" id="bd-col-63c0f12b1e95-sld-98024-pos-a33fa3753a98"><div class="jss386 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika Decyzja kredytowa i podpisanie umowy" title="2" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika Decyzja kredytowa i podpisanie umowy" title="2" _loading="lazy" sizes="100vw" srcSet="/api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 640w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 750w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 828w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 1080w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 1200w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 1920w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 2048w, /api/public/63e4390c-94d1-40f3-86ea-49b1bdeb52ea.jpg 3840w" 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class="jss388 MuiBox-root css-0"><p class="jss143 jss391" data-cy="SliderItem--title">Uruchomienie kredytu</p><span class="jss142 jss392" data-cy="SliderItem--description"></span></div></div></div></div></div></div><button class="jss380 jss381" data-cy="Slick-slider--next" aria-label="Przewiń na następny slajd karuzeli" tabindex="-1"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="0 0 24 24"><path fill="#003574" d="M8.59,16.58L13.17,12L8.59,7.41L10,6L16,12L10,18L8.59,16.58Z"></path></svg></button></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx" elementId="bd-col-ee5beadd3736" elementIdPrefix="col"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="MuiBox-root css-0" id="bd-col-ee5beadd3736-tab-84711"><h2 class="jss153 jss332" style="text-align:center" data-cy="Tabs-Taby--title"><span data-cy="Tabs-Taby--title" id="bd-col-ee5beadd3736-tab-84711-title">Ile zapłacisz?</span></h2><div class="jss334 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss337 MuiBox-root css-0" role="tablist" aria-labelledby="bd-col-ee5beadd3736-tab-84711-title"><button class="jss169 jss177 jss338 jss339" data-cy="Button-TabsItem--button" type="button" tabindex="0" id="bd-col-ee5beadd3736-tab-84711-btn-6260964c4a3f" role="tab" aria-selected="true" aria-controls="bd-col-ee5beadd3736-tab-84711-elem-6260964c4a3f"><span>Ocena wartości nieruchomości</span></button><button class="jss169 jss176 jss338" data-cy="Button-TabsItem--button" type="button" tabindex="-1" id="bd-col-ee5beadd3736-tab-84711-btn-2c0d0bbbfe69" role="tab" aria-selected="false" aria-controls="bd-col-ee5beadd3736-tab-84711-elem-2c0d0bbbfe69"><span>Pozostałe opłaty </span></button></div></div><div class="MuiBox-root css-0"><div class="jss341 jss340 MuiBox-root css-0"><div class="jss343 MuiBox-root css-0" id="bd-col-ee5beadd3736-tab-84711-elem-6260964c4a3f" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-ee5beadd3736-tab-84711-btn-6260964c4a3f"><div class="jss203"><h3 class="jss154" data-cy="Headline-">Ocena wartości nieruchomości</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss475 MuiBox-root css-0" data-cy="TabsPricelist--container"><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-0"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Kredyt hipoteczny do 80 tys. zł</span><div class="jss482 MuiBox-root css-0" data-cy="TabsPricelist--tooltip"><span class="pkobp-tooltip jss489" data-cy="Tooltip---trigger" tabindex="0" aria-controls="tabs-field-price-list-item-0-tooltip" aria-describedby="tabs-field-price-list-item-0-tooltip"><span class="pkobp-icon-tooltip"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120)"><rect width="96" height="96" transform="translate(120 0)" fill="none" opacity="0"></rect><g><g><g data-name="Path 2193" fill="#fff"><path d="M 168 78 C 151.4579467773438 78 138 64.54206085205078 138 48 C 138 31.45793914794922 151.4579467773438 18 168 18 C 184.5420532226562 18 198 31.45793914794922 198 48 C 198 64.54206085205078 184.5420532226562 78 168 78 Z" stroke="none"></path><path d="M 168 20 C 152.5607604980469 20 140 32.56075286865234 140 48 C 140 63.43924713134766 152.5607604980469 76 168 76 C 183.4392395019531 76 196 63.43924713134766 196 48 C 196 32.56075286865234 183.4392395019531 20 168 20 M 168 16 C 185.6439971923828 16 200 30.35700225830078 200 48 C 200 65.64299774169922 185.6439971923828 80 168 80 C 150.3560028076172 80 136 65.64299774169922 136 48 C 136 30.35700225830078 150.3560028076172 16 168 16 Z" stroke="none" fill="#003574"></path></g><g data-name="Group 4587"><path data-name="Path 341" d="M168.295,37.361a2.81,2.81,0,0,0-2.414,1.341,4.268,4.268,0,0,1-2.414,1.877,3.756,3.756,0,0,1-2.415-.8,7.822,7.822,0,0,1,7.513-5.1,6.682,6.682,0,0,1,6.71,5.632h0a5.741,5.741,0,0,1-2.414,4.829,6.281,6.281,0,0,0-2.134,4.828v3.2h-4.309V50.752a5.572,5.572,0,0,1,2.414-5.1,5.271,5.271,0,0,0,2.414-4.562C170.98,38.7,169.906,37.361,168.295,37.361Z" fill="#003574"></path><circle data-name="Ellipse 143" cx="2.414" cy="2.414" r="2.414" transform="translate(166.162 57.436)" fill="#003574"></circle></g></g></g></g></svg></span></span></div></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>300 zł</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-1"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Kredyt od 80 tys. zł – mieszkania, nieruchomości gruntowe, garaże wolnostojące </span><div class="jss482 MuiBox-root css-0" data-cy="TabsPricelist--tooltip"><span class="pkobp-tooltip jss489" data-cy="Tooltip---trigger" tabindex="0" aria-controls="tabs-field-price-list-item-1-tooltip" aria-describedby="tabs-field-price-list-item-1-tooltip"><span class="pkobp-icon-tooltip"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120)"><rect width="96" height="96" transform="translate(120 0)" fill="none" opacity="0"></rect><g><g><g data-name="Path 2193" fill="#fff"><path d="M 168 78 C 151.4579467773438 78 138 64.54206085205078 138 48 C 138 31.45793914794922 151.4579467773438 18 168 18 C 184.5420532226562 18 198 31.45793914794922 198 48 C 198 64.54206085205078 184.5420532226562 78 168 78 Z" stroke="none"></path><path d="M 168 20 C 152.5607604980469 20 140 32.56075286865234 140 48 C 140 63.43924713134766 152.5607604980469 76 168 76 C 183.4392395019531 76 196 63.43924713134766 196 48 C 196 32.56075286865234 183.4392395019531 20 168 20 M 168 16 C 185.6439971923828 16 200 30.35700225830078 200 48 C 200 65.64299774169922 185.6439971923828 80 168 80 C 150.3560028076172 80 136 65.64299774169922 136 48 C 136 30.35700225830078 150.3560028076172 16 168 16 Z" stroke="none" fill="#003574"></path></g><g data-name="Group 4587"><path data-name="Path 341" d="M168.295,37.361a2.81,2.81,0,0,0-2.414,1.341,4.268,4.268,0,0,1-2.414,1.877,3.756,3.756,0,0,1-2.415-.8,7.822,7.822,0,0,1,7.513-5.1,6.682,6.682,0,0,1,6.71,5.632h0a5.741,5.741,0,0,1-2.414,4.829,6.281,6.281,0,0,0-2.134,4.828v3.2h-4.309V50.752a5.572,5.572,0,0,1,2.414-5.1,5.271,5.271,0,0,0,2.414-4.562C170.98,38.7,169.906,37.361,168.295,37.361Z" fill="#003574"></path><circle data-name="Ellipse 143" cx="2.414" cy="2.414" r="2.414" transform="translate(166.162 57.436)" fill="#003574"></circle></g></g></g></g></svg></span></span></div></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>400 zł</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-2"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Kredyt od 80 tys. zł – domy jednorodzinne</span><div class="jss482 MuiBox-root css-0" data-cy="TabsPricelist--tooltip"><span class="pkobp-tooltip jss489" data-cy="Tooltip---trigger" tabindex="0" aria-controls="tabs-field-price-list-item-2-tooltip" aria-describedby="tabs-field-price-list-item-2-tooltip"><span class="pkobp-icon-tooltip"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120)"><rect width="96" height="96" transform="translate(120 0)" fill="none" opacity="0"></rect><g><g><g data-name="Path 2193" fill="#fff"><path d="M 168 78 C 151.4579467773438 78 138 64.54206085205078 138 48 C 138 31.45793914794922 151.4579467773438 18 168 18 C 184.5420532226562 18 198 31.45793914794922 198 48 C 198 64.54206085205078 184.5420532226562 78 168 78 Z" stroke="none"></path><path d="M 168 20 C 152.5607604980469 20 140 32.56075286865234 140 48 C 140 63.43924713134766 152.5607604980469 76 168 76 C 183.4392395019531 76 196 63.43924713134766 196 48 C 196 32.56075286865234 183.4392395019531 20 168 20 M 168 16 C 185.6439971923828 16 200 30.35700225830078 200 48 C 200 65.64299774169922 185.6439971923828 80 168 80 C 150.3560028076172 80 136 65.64299774169922 136 48 C 136 30.35700225830078 150.3560028076172 16 168 16 Z" stroke="none" fill="#003574"></path></g><g data-name="Group 4587"><path data-name="Path 341" d="M168.295,37.361a2.81,2.81,0,0,0-2.414,1.341,4.268,4.268,0,0,1-2.414,1.877,3.756,3.756,0,0,1-2.415-.8,7.822,7.822,0,0,1,7.513-5.1,6.682,6.682,0,0,1,6.71,5.632h0a5.741,5.741,0,0,1-2.414,4.829,6.281,6.281,0,0,0-2.134,4.828v3.2h-4.309V50.752a5.572,5.572,0,0,1,2.414-5.1,5.271,5.271,0,0,0,2.414-4.562C170.98,38.7,169.906,37.361,168.295,37.361Z" fill="#003574"></path><circle data-name="Ellipse 143" cx="2.414" cy="2.414" r="2.414" transform="translate(166.162 57.436)" fill="#003574"></circle></g></g></g></g></svg></span></span></div></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>700 zł</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-3"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Kredyt od 80 tys. zł – pozostałe nieruchomości </span><div class="jss482 MuiBox-root css-0" data-cy="TabsPricelist--tooltip"><span class="pkobp-tooltip jss489" data-cy="Tooltip---trigger" tabindex="0" aria-controls="tabs-field-price-list-item-3-tooltip" aria-describedby="tabs-field-price-list-item-3-tooltip"><span class="pkobp-icon-tooltip"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120)"><rect width="96" height="96" transform="translate(120 0)" fill="none" opacity="0"></rect><g><g><g data-name="Path 2193" fill="#fff"><path d="M 168 78 C 151.4579467773438 78 138 64.54206085205078 138 48 C 138 31.45793914794922 151.4579467773438 18 168 18 C 184.5420532226562 18 198 31.45793914794922 198 48 C 198 64.54206085205078 184.5420532226562 78 168 78 Z" stroke="none"></path><path d="M 168 20 C 152.5607604980469 20 140 32.56075286865234 140 48 C 140 63.43924713134766 152.5607604980469 76 168 76 C 183.4392395019531 76 196 63.43924713134766 196 48 C 196 32.56075286865234 183.4392395019531 20 168 20 M 168 16 C 185.6439971923828 16 200 30.35700225830078 200 48 C 200 65.64299774169922 185.6439971923828 80 168 80 C 150.3560028076172 80 136 65.64299774169922 136 48 C 136 30.35700225830078 150.3560028076172 16 168 16 Z" stroke="none" fill="#003574"></path></g><g data-name="Group 4587"><path data-name="Path 341" d="M168.295,37.361a2.81,2.81,0,0,0-2.414,1.341,4.268,4.268,0,0,1-2.414,1.877,3.756,3.756,0,0,1-2.415-.8,7.822,7.822,0,0,1,7.513-5.1,6.682,6.682,0,0,1,6.71,5.632h0a5.741,5.741,0,0,1-2.414,4.829,6.281,6.281,0,0,0-2.134,4.828v3.2h-4.309V50.752a5.572,5.572,0,0,1,2.414-5.1,5.271,5.271,0,0,0,2.414-4.562C170.98,38.7,169.906,37.361,168.295,37.361Z" fill="#003574"></path><circle data-name="Ellipse 143" cx="2.414" cy="2.414" r="2.414" transform="translate(166.162 57.436)" fill="#003574"></circle></g></g></g></g></svg></span></span></div></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>opłatę ustalamy indywidualnie</span></span></div></div></div></li></ul><div class="jss492 MuiBox-root css-0" data-cy="TabsFiles--container" role="list"><div class="jss493 MuiBox-root css-0" role="listitem"><a target="_blank" href="/api/public/e694c18e-9d35-4d45-bb86-cb030f445e5e.pdf" class="jss495 wysiwygDocumentsItem__item" data-cy="TabsFiles--item-0--container" aria-label=". Uwaga, link otworzy się w nowym oknie" data-file="1093"><div class="jss496 jss494 wysiwygDocumentsItem__container MuiBox-root css-0"><div class="jss497 wysiwygDocumentsItem__iconContainer MuiBox-root css-0"><span class="jss498 wysiwygDocumentsItem__extension" style="left:14px" data-cy="TabsFiles--item-0--extension">PDF</span><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" sizes="100vw" srcSet="/_next/static/media/icon_file.9235b2f3.svg 640w, /_next/static/media/icon_file.9235b2f3.svg 750w, /_next/static/media/icon_file.9235b2f3.svg 828w, /_next/static/media/icon_file.9235b2f3.svg 1080w, /_next/static/media/icon_file.9235b2f3.svg 1200w, /_next/static/media/icon_file.9235b2f3.svg 1920w, /_next/static/media/icon_file.9235b2f3.svg 2048w, /_next/static/media/icon_file.9235b2f3.svg 3840w" src="/_next/static/media/icon_file.9235b2f3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><p class="jss143 jss499 wysiwygDocumentsItem__title" data-cy="Headline-TabsFiles--item-0--title"><span>Podstawowe opłaty związane z obsługą Kredytu hipotecznego</span></p></div></a></div><div class="jss493 MuiBox-root css-0" role="listitem"><a target="_blank" href="/api/public/660d0b26-16ef-4940-8e3e-33d725b1d352.pdf" class="jss495 wysiwygDocumentsItem__item" data-cy="TabsFiles--item-1--container" aria-label=". Uwaga, link otworzy się w nowym oknie" data-file="1102"><div class="jss496 jss494 wysiwygDocumentsItem__container MuiBox-root css-0"><div class="jss497 wysiwygDocumentsItem__iconContainer MuiBox-root css-0"><span class="jss498 wysiwygDocumentsItem__extension" style="left:14px" data-cy="TabsFiles--item-1--extension">PDF</span><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" sizes="100vw" srcSet="/_next/static/media/icon_file.9235b2f3.svg 640w, /_next/static/media/icon_file.9235b2f3.svg 750w, /_next/static/media/icon_file.9235b2f3.svg 828w, /_next/static/media/icon_file.9235b2f3.svg 1080w, /_next/static/media/icon_file.9235b2f3.svg 1200w, /_next/static/media/icon_file.9235b2f3.svg 1920w, /_next/static/media/icon_file.9235b2f3.svg 2048w, /_next/static/media/icon_file.9235b2f3.svg 3840w" src="/_next/static/media/icon_file.9235b2f3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><p class="jss143 jss499 wysiwygDocumentsItem__title" data-cy="Headline-TabsFiles--item-1--title"><span>Dodatkowe opłaty związane z obsługą Kredytu hipotecznego</span></p></div></a></div><div class="jss493 MuiBox-root css-0" role="listitem"><a target="_blank" href="/api/public/579f26f8-6d01-430c-a6ac-43620e525940.pdf" class="jss495 wysiwygDocumentsItem__item" data-cy="TabsFiles--item-2--container" aria-label=". Uwaga, link otworzy się w nowym oknie" data-file="309"><div class="jss496 jss494 wysiwygDocumentsItem__container MuiBox-root css-0"><div class="jss497 wysiwygDocumentsItem__iconContainer MuiBox-root css-0"><span class="jss498 wysiwygDocumentsItem__extension" style="left:14px" data-cy="TabsFiles--item-2--extension">PDF</span><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" sizes="100vw" srcSet="/_next/static/media/icon_file.9235b2f3.svg 640w, /_next/static/media/icon_file.9235b2f3.svg 750w, /_next/static/media/icon_file.9235b2f3.svg 828w, /_next/static/media/icon_file.9235b2f3.svg 1080w, /_next/static/media/icon_file.9235b2f3.svg 1200w, /_next/static/media/icon_file.9235b2f3.svg 1920w, /_next/static/media/icon_file.9235b2f3.svg 2048w, /_next/static/media/icon_file.9235b2f3.svg 3840w" src="/_next/static/media/icon_file.9235b2f3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><p class="jss143 jss499 wysiwygDocumentsItem__title" data-cy="Headline-TabsFiles--item-2--title"><span>Oprocentowanie Kredytu hipotecznego</span></p></div></a></div></div><div class="jss345 css-j7qwjs"></div></div></div><div class="jss343 jss344 MuiBox-root css-0" id="bd-col-ee5beadd3736-tab-84711-elem-2c0d0bbbfe69" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-ee5beadd3736-tab-84711-btn-2c0d0bbbfe69"><div class="jss203"><h3 class="jss154" data-cy="Headline-">Pozostałe opłaty </h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss475 MuiBox-root css-0" data-cy="TabsPricelist--container"><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-0"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Prowizja za udzielenie kredytu (ustalana indywidualnie)</span></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>Od 0%</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-1"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Wcześniejsza spłata całkowita lub częściowa (dotyczy umów zawartych od 22.07.2017 r.) </span></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>0 zł</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-2"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Aneks do umowy </span></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>150 zł</span></span></div></div></div></li><li class="jss476 MuiBox-root css-0" data-cy="TabsPricelist--item-3"><div class="jss483 MuiBox-root css-0"></div><div class="jss477 MuiBox-root css-0"><div class="jss478 MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss480" data-cy="Headline-TabsPricelist--title"><span>Inne czynności na życzenie kredytobiorcy</span></span></div></div><div class="MuiBox-root css-0"><div class="jss479 MuiBox-root css-0"><span class="jss142 jss481" data-cy="Headline-TabsPricelist--price"><span>50 zł</span></span></div></div></div></li></ul><div class="jss345 css-j7qwjs"></div></div></div></div></div></div><div class="jss333 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word" data-cy="Tabs-Taby--notes"><p><a href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki/biuro-informacji-kredytowej">Biuro Informacji Kredytowej</a><br/><a href="https://www.pkobp.pl/waluty/">Waluty spready stawki kursy</a></p></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss500 MuiBox-root css-0" data-cy="SnippetAccordion--container" id="bd-col-1f4523735191-an-84737"><div class="jss501 MuiBox-root css-0"><h2 class="jss153 jss503" style="text-align:center" data-cy="Headline-SnippetAccordion--title"><span>Pytania i odpowiedzi</span></h2></div><ul class="MuiBox-root css-0"><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-0--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-a5941016ea23" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-0--accordion-title" name="SnippetAccordion--position-0--accordion-title"><span>Co to jest kredyt hipoteczny?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-a5941016ea23" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">To kredyt zabezpieczony hipoteką, który możesz przeznaczyć na zakup mieszkania, domu lub budowę domu oraz wiele innych celów.</div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-1--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-62143223b987" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-1--accordion-title" name="SnippetAccordion--position-1--accordion-title"><span>Jakie są warunki otrzymania kredytu hipotecznego np. na zakup mieszkania?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-62143223b987" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Podstawowym warunkiem otrzymania kredytu jest posiadanie zdolności kredytowej oraz pełnej zdolności do czynności prawnych, a także uzyskiwanie dochodu w PLN.</div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-2--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-4da058cf4c72" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-2--accordion-title" name="SnippetAccordion--position-2--accordion-title"><span>Co to jest wkład własny do kredytu hipotecznego?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-4da058cf4c72" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Wkład własny to środki które nie pochodzą z kredytu, a które zostaną przeznaczone na sfinansowanie nieruchomości. Środki te należy zaangażować przed wypłatą kredytu/ pierwszej transzy kredytu. Innymi słowy, wkład własny to różnica pomiędzy kosztami przedsięwzięcia a kwotą kredytu.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-3--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-40ad45b0648c" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-3--accordion-title" name="SnippetAccordion--position-3--accordion-title"><span>Czy mogę skorzystać z obniżonej marży dla kredytu hipotecznego w ramach oferty wpierającej zrównoważony rozwój po zawarciu umowy o kredyt mieszkaniowy Własny Kąt Hipoteczny?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-40ad45b0648c" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, marża Twojego kredytu zostanie obniżona<sup>1</sup>, jeżeli po zawarciu umowy kredytu dostarczysz do Banku ważne świadectwo charakterystyki energetycznej dla nieruchomości stanowiącej zabezpieczenie kredytu, spełniające poniższe kryteria:</p> <ul> <li>świadectwo będzie ważne przez co najmniej 60 miesięcy od dnia dostarczenia do Banku, oraz</li> <li>wskaźnik EP określony w świadectwie jest nie wyższy niż<sup>2</sup>:<br/>- 58 kWh/(m2rok) - dla lokalu mieszkalnego, lub<br/>- 63 kWh/(m2rok) - dla domu jednorodzinnego. </li> </ul> <p>Oferta obowiązuje dla decyzji kredytowych wydanych od 1 października 2021 r. </p> <p><strong>Specjalne warunki obowiązują do 30.09.2025 r.</strong></p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-4--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-ba39796b927f" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-4--accordion-title" name="SnippetAccordion--position-4--accordion-title"><span>Czy mogę wykorzystać kredyt hipoteczny na budowę lub wykończenie domu?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-ba39796b927f" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak. Można go też wykorzystać na inne cele.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-5--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-6c87c2a0cafb" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-5--accordion-title" name="SnippetAccordion--position-5--accordion-title"><span>Jaki muszę mieć minimalny wkład własny?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-6c87c2a0cafb" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Wymagany przez bank wkład własny to 10% wartości nieruchomości.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-6--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-c9c02244b76c" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-6--accordion-title" name="SnippetAccordion--position-6--accordion-title"><span>Jak mogę sprawdzić możliwą wysokość raty kredytu?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-c9c02244b76c" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Skorzystaj z <strong>kalkulatora raty i zdolności</strong> dostępnego na stronie. W jednym miejscu sprawdzisz:</p> <ul> <li>szacowaną wysokość raty kredytu</li> <li>przybliżoną zdolność kredytową</li> </ul> <p>Jeśli chcesz wziąć <strong>kredyt online</strong>, przejdź do <strong>Sprawdź propozycję online</strong>. Przedstawimy propozycję wyliczenia.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-7--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-359e315b8fab" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-7--accordion-title" name="SnippetAccordion--position-7--accordion-title"><span>Do kiedy powinienem złożyć dyspozycję wypłaty kredytu po zawarciu umowy o kredyt hipoteczny?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-359e315b8fab" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Maksymalny termin, w którym powinna nastąpić wypłata kredytu lub pożyczki hipotecznej określony został w umowie kredytu i może nastąpić po spełnieniu wskazanych warunków do wypłaty.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-8--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-64b612d4acdc" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-8--accordion-title" name="SnippetAccordion--position-8--accordion-title"><span>Jakie formalności czekają mnie po podpisaniu umowy o kredyt?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-64b612d4acdc" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Informacje na ten temat znajdziesz m.in. w umowie kredytu, a mogą to być np:</p> <ul> <li>dostarczenie do Banku aktu notarialnego umowy sprzedaży nieruchomości</li> <li>złożenie wniosku o wpis do księgi wieczystej / założenie księgi wieczystej i dostarczenie potwierdzenia do banku</li> <li>kwestie podatkowe (np. podatek czynności cywilnoprawnych)</li> <li>spełnienie innych warunków zawartych w umowie kredytu np. ubezpieczenie nieruchomości z cesją na bank</li> </ul></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-9--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-c928813338ed" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-9--accordion-title" name="SnippetAccordion--position-9--accordion-title"><span>Czy istnieje możliwość wcześniejszej spłaty kredytu hipotecznego?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-c928813338ed" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, można wcześniej spłacić kredyt, zarówno w całości jak i w części. Jeśli podpisałeś umowę o kredyt (ze zmienną stopą procentową) po 21.07.2017r – możesz to zrobić bez opłat.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-10--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-585ef05a8060" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-10--accordion-title" name="SnippetAccordion--position-10--accordion-title"><span>Czy mogę złożyć wniosek o udzielenie kredytu razem z rodzicami?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-585ef05a8060" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, o kredyt mogą wystąpić:</p> <ul> <li>max 3 odrębne gosp. domowe (nie więcej niż 4 osoby) – gdy jednym z celów kredytu, będzie cel mieszkaniowy,</li> <li>max 2 odrębne gosp. domowe (nie więcej niż 4 osoby) – w innych przypadkach.</li> </ul></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-11--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-be35158b57e7" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-11--accordion-title" name="SnippetAccordion--position-11--accordion-title"><span>Mam już kredyt Własny Kąt Hipoteczny, czy mógłbym zmienić jego warunki?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-be35158b57e7" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Możesz wnioskować o dokonanie wielu zmian, m.in.:</p> <ul> <li><strong>sposobu oprocentowania ze zmiennego na stałe</strong> na okres 5 lat (w okresie obowiązywania stałej stopy procentowej nie masz możliwości zmiany sposobu oprocentowania)</li> <li>formuły rat na <strong>raty równe lub malejące</strong></li> <li><strong>obniżenia marży</strong> dla kredytu hipotecznego w zielonej odsłonie</li> </ul></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-12--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-f54f710d6fdd" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-12--accordion-title" name="SnippetAccordion--position-12--accordion-title"><span>Czy otrzymam zwrot odsetek za podwyższone oprocentowanie kredytu hipotecznego do czasu wpisu hipoteki do księgi wieczystej?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-f54f710d6fdd" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Zwrócimy Ci odsetki za podwyższone oprocentowanie, jeśli spełnisz 2 warunki:</p> <ul> <li>Twoja umowa o kredyt lub pożyczkę hipoteczną została zawarta między <strong>22 lipca 2017 r</strong>. a <strong>28 sierpnia 2022 r.</strong></li> <li>hipotekę wpisano do księgi wieczystej po<strong> 16 września 2022 r.</strong></li> </ul> <p>Nie musisz składać żadnych dyspozycji. Gdy sąd wpisze hipotekę i nas o tym zawiadomi, my sprawdzimy poprawność wpisu i zwrócimy Ci odsetki z tego tytułu, liczone od dnia uruchomienia Twojego kredytu/pożyczki lub wypłaty pierwszej transzy. Pieniądze otrzymasz na rachunek, z którego spłacasz swój kredyt hipoteczny.<br/><br/><strong>Podstawa prawna: </strong>Ustawa z dnia 5 sierpnia 2022 r. o zmianie ustawy o kredycie hipotecznym oraz o nadzorze nad pośrednikami kredytu hipotecznego i agentami oraz ustawy o zmianie ustawy o podatku dochodowym od osób fizycznych, ustawy o podatku dochodowym od osób prawnych oraz niektórych innych ustaw.</p></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-13--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-ccb5a9d387e1" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-13--accordion-title" name="SnippetAccordion--position-13--accordion-title"><span>Kredyt mieszkaniowy czy pożyczka hipoteczna?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-ccb5a9d387e1" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><div class="pkobp-table pkobp-table--fixed"> <table style="border-collapse:collapse;width:100.022%;height:166.667px" border="1"><tbody><tr style="height:50px"><td style="width:33.1147%;height:50px"><strong>Cel</strong></td><td style="width:33.1147%;height:50px"><strong>Kredyt mieszkaniowy</strong><br/>na konkretny cel, w tym: zakup lub budowa/remont/wykończenie nieruchomości np. mieszkania, domu, działki</td><td style="width:33.1165%;height:50px"><strong>Pożyczka hipoteczna</strong><br/>na dowolnie wybrany cel: niezwiązany z działalnością gospodarczą</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>maksymalny okres kredytowania</strong></td><td style="width:33.1147%;height:16.6667px">35 lat</td><td style="width:33.1165%;height:16.6667px">20 lat</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>maksymalna kwota kredytu</strong></td><td style="width:33.1147%;height:16.6667px">90% wartości nieruchomości</td><td style="width:33.1165%;height:16.6667px">60% wartości nieruchomości</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>wymagany wkład własny</strong></td><td style="width:33.1147%;height:16.6667px">Tak </td><td style="width:33.1165%;height:16.6667px">Nie</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>zasady spłaty</strong></td><td style="width:33.1147%;height:16.6667px">raty równe lub malejące, możliwość zmiany w trakcie</td><td style="width:33.1165%;height:16.6667px">raty równe lub malejące, możliwość zmiany w trakcie</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>oprocentowanie</strong></td><td style="width:33.1147%;height:16.6667px">stopa zmienna lub stała przez 5 lat</td><td style="width:33.1165%;height:16.6667px">stopa zmienna lub stała przez 5 lat</td></tr><tr style="height:16.6667px"><td style="width:33.1147%;height:16.6667px"><strong>waluta</strong></td><td style="width:33.1147%;height:16.6667px">polski złoty (PLN)</td><td style="width:33.1165%;height:16.6667px">polski złoty (PLN)</td></tr></tbody></table> </div></div></div></div></div></div></div></div></li><li class="jss507 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-14--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-1f4523735191-an-84737-pos-33604f3d3223" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss516 jss517" data-cy="Headline-SnippetAccordion--position-14--accordion-title" name="SnippetAccordion--position-14--accordion-title"><span>Jak mogę podpisać umowę o kredyt hipoteczny?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-1f4523735191-an-84737-pos-33604f3d3223" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss514 jss515 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Umowę o kredyt podpiszesz w oddziale banku.</p> <p>Jeśli skorzystasz z procesu online, umowę możesz podpisać przez internet – wtedy przekierujemy Cię do serwisu mSzafir.</p></div></div></div></div></div></div></div></li></ul></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss519 wysiwygDocuments__container MuiBox-root css-0" data-cy="SnippetDocuments--container" id="bd-col-bf89b7989a19-doc-84754"><h2 class="jss153 jss520 wysiwygDocuments__title jss521" style="text-align:center" data-cy="Headline-SnippetDocuments--title"><span>Dokumenty</span></h2><ul class="MuiBox-root css-0" aria-label="Lista folderów zawierających listy plików"><li class="jss523 wysiwygDocuments__accordionBox MuiBox-root css-0" id="bd-col-bf89b7989a19-doc-84754-docgrp-48c4cbbacab8"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss508 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetDocuments--group-0--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss510 jss511 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-bf89b7989a19-doc-84754-pos" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss512 MuiAccordionSummary-contentGutters css-17o5nyn"><span class="jss142 jss516 jss517" data-cy="Headline-SnippetDocuments--group-0--accordion-title" name="SnippetDocuments--group-0--accordion-title"><span>Dokumenty – Kredyt hipoteczny Własny Kąt</span></span></div><div class="MuiAccordionSummary-expandIconWrapper jss513 css-1fx8m19"><div class="jss518"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" 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Uwaga, link otworzy się w nowym oknie" id="bd-col-bf89b7989a19-doc-84754-docgrp-d9e6a15f279b-elem-13488ca620e6" data-file="4711"><div class="jss496 wysiwygDocumentsItem__container MuiBox-root css-0"><div class="jss497 wysiwygDocumentsItem__iconContainer MuiBox-root css-0"><span class="jss498 wysiwygDocumentsItem__extension" style="left:14px" data-cy="SnippetDocuments--item-4--extension">PDF</span><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Ikonka pliku z rozszerzeniem pdf" _loading="lazy" sizes="100vw" srcSet="/_next/static/media/icon_file.9235b2f3.svg 640w, /_next/static/media/icon_file.9235b2f3.svg 750w, /_next/static/media/icon_file.9235b2f3.svg 828w, /_next/static/media/icon_file.9235b2f3.svg 1080w, /_next/static/media/icon_file.9235b2f3.svg 1200w, /_next/static/media/icon_file.9235b2f3.svg 1920w, /_next/static/media/icon_file.9235b2f3.svg 2048w, /_next/static/media/icon_file.9235b2f3.svg 3840w" src="/_next/static/media/icon_file.9235b2f3.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><p class="jss143 jss499 wysiwygDocumentsItem__title" data-cy="Headline-SnippetDocuments--item-4--title"><span>Działania na wypadek zmiany lub zaprzestania opracowywania wskaźnika referencyjnego</span></p></div></a></div></div></div></div></div></div></div></div></li></ul></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss541"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word" id="bd-col-64daac26a4d0-wswg-84786"><p><strong>Przykład reprezentatywny dla PKO Banku Polskiego</strong></p> <p data-content="dd_RRSO-KH-PR-PKO-Z">...</p> <p><strong>Przykład reprezentatywny dla PKO Banku Hipotecznego</strong></p> <p data-content="dd_RRSO-KH-PR-BH-Z">...</p> <p> </p> <p>PKO Bank Polski przy oferowaniu kredytów hipotecznych może występować jako kredytodawca albo jako powiązany pośrednik kredytu hipotecznego – PKO Banku Hipotecznego SA. PKO Bank Polski jako powiązany pośrednik kredytu hipotecznego działający wyłącznie w imieniu i na rzecz jednego kredytodawcy PKO Banku Hipotecznego SA wykonuje czynności pośrednika kredytu hipotecznego związane ze sprzedażą kredytu hipotecznego PKO Banku Hipotecznego SA, w tym obejmujące przygotowanie dokumentacji wymaganej dla udzielenia kredytu, przekazywanie klientowi wszelkich przed umownych informacji, w tym o decyzji kredytowej, zawieranie umowy o kredyt.<br/>Wniosek o kredyt składany jest do obu banków, a rozpatrywany jest w pierwszej kolejności przez PKO Bank Hipoteczny. Informacja, który z banków (PKO Bank Hipoteczny czy PKO Bank Polski) będzie mógł być strona umowy kredytu, przekazywana jest w decyzji kredytowej.<br/><br/><span class="ui-provider en bmh bin bsl bsm bsn bso bsp bsq bsr bss bst bsu bsv bsw bsx bsy bsz bta btb btc btd bte btf btg bth bti btj btk btl btm btn bto btp btq" dir="ltr"> <a class="fui-Link ___1eya986 f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" title="https://www.pkobp.pl/grupa-pko-banku-polskiego/pko-bank-polski/zglaszanie-reklamacji/" href="https://www.pkobp.pl/grupa-pko-banku-polskiego/pko-bank-polski/zglaszanie-reklamacji/" target="_blank" rel="noreferrer noopener" aria-label="Link sprawdź nasze zasady rozpatrywania reklamacji">Sprawdź nasze zasady rozpatrywania reklamacji</a></span></p></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx" elementId="bd-col-4332a1c8fa14" elementIdPrefix="col"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss541"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word" id="bd-col-4332a1c8fa14-wswg-84787"><p><strong>Wyjaśniamy oznaczenia</strong></p> <p><sup>1</sup>Zgodnie z umową, obniżka następuje w najbliższym terminie wymagalności raty kredytu następującym po dniu, w którym Kredytobiorca dostarczył świadectwo. Obniżka marży obowiązuje w całym okresie kredytowania; szczegóły co do dnia w którym następuje obniżenie marży znajdują się w umowie kredytu.</p> <p><sup>2</sup>Wartość wskaźnika energii pierwotnej określono na podstawie przepisów rozporządzenia delegowanego Komisji 2021/2139 z dnia 4 czerwca 2021 r. uzupełniającego rozporządzenie Parlamentu Europejskiego i Rady (UE) 2020/852 poprzez ustanowienie technicznych kryteriów kwalifikacji służących określeniu warunków, na jakich dana działalność gospodarcza kwalifikuje się jako wnosząca istotny wkład w łagodzenie zmian klimatu lub w adaptację do zmian klimatu, a także określeniu, czy ta działalność gospodarcza nie wyrządza poważnych szkód względem żadnego z pozostałych celów środowiskowych oraz przepisów rozporządzenia Ministra Infrastruktury z dnia 12 kwietnia 2002 r. w sprawie warunków technicznych, jakim powinny odpowiadać budynki i ich usytuowanie </p></div></div></div></div></section></main><footer role="footer" id="footer"><section 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/api/public/576100fa-586d-4425-afab-ec176e828ba6.svg 1920w, /api/public/576100fa-586d-4425-afab-ec176e828ba6.svg 2048w, /api/public/576100fa-586d-4425-afab-ec176e828ba6.svg 3840w" src="/api/public/576100fa-586d-4425-afab-ec176e828ba6.svg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss550" data-cy="Infoline-Infolinia--item-label">Obsługa w języku migowym</div></a></nav><div class="jss543"></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="jss527"><div class="jss540"><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:4px" data-snippet="snippet"><nav class="jss1 jss435 undefined MuiBox-root css-0" data-cy="Menulinks-Menu_z_linkami--box" id="ft-colwn-a7055c0129a6-mn-6957" aria-label="Nawigacja w menu z odnośnikami" role="list"><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-O_banku_i_grupie--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-6959-l" href="https://www.pkobp.pl/o-banku">O banku i grupie</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Relacje_inwestorskie--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-87566-l" href="https://www.pkobp.pl/relacje-inwestorskie">Relacje inwestorskie</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Biuro_prasowe--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-6962-l" href="https://media.pkobp.pl/">Biuro prasowe</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Kariera--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-6965-l" href="https://www.pkobp.pl/kariera/">Kariera</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Zapisz_się_na_newsletter--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12732-l" href="https://www.pkobp.pl/newsletter/?news=1">Zapisz się na newsletter</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Dokończ_wniosek_o_pożyczkę--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-40312-l" href="https://pkobp.pl/nowewnioski/ipko3/#/start?processId=epg">Dokończ wniosek o pożyczkę</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Opłaty_i_oprocentowanie--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12705-l" href="https://www.pkobp.pl/oplaty-i-oprocentowanie">Opłaty i oprocentowanie</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Regulacje_prawne--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12708-l" href="https://www.pkobp.pl/regulacje-prawne">Regulacje prawne</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Ochrona_danych_osobowych--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-18986-l" href="https://www.pkobp.pl/regulacje-prawne/dane-osobowe">Ochrona danych osobowych</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Bezpieczeństwo--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12711-l" href="https://www.pkobp.pl/klient-indywidualny/aplikacja-iko-ipko/bezpieczenstwo">Bezpieczeństwo</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Regulamin_strony_internetowej--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12729-l" href="https://www.pkobp.pl/regulacje-prawne/regulamin-strony-internetowej">Regulamin strony internetowej</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Polityka_Prywatności--link" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-12726-l" href="https://www.pkobp.pl/regulacje-prawne/polityka-prywatnosci">Polityka Prywatności</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-eDokumenty--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-36792-l" href="https://www.pkobp.pl/archiwalne-dokumenty/">eDokumenty</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Ukraina_/_Україна--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-38432-l" href="https://www.pkobp.pl/dlia-ukrainy/">Ukraina / Україна</a></div><div class="jss551 MuiBox-root css-0" role="listitem"><a class="jss169 jss178 jss552" data-cy="Button-Otwórz_Placówkę_PKO_Banku_Polskiego--link" target="_blank" tabindex="0" id="ft-colwn-a7055c0129a6-mn-6957-l-67946-l" href="https://www.pkobp.pl/kariera/otworz-placowke-pko-banku-polskiego">Otwórz Placówkę PKO Banku Polskiego</a></div></nav></div></div><div class="jss540"><div class="MuiBox-root css-0" style="padding-top:8px;padding-bottom:20px" data-snippet="snippet"><div class="jss554 MuiBox-root css-0"><div class="jss555 MuiBox-root css-0" id="ft-colwn-a7055c0129a6-kw-6967" data-cy="Currencies-Kursy_walut"><div class="MuiBox-root css-69i1ev"><a href="" aria-label="Przejdź do tabeli kursów walut"><p class="jss143 jss557" data-cy="Currencies-Kursy_walut--title" id="currenciesTableTitle">Kursy walut</p></a><span class="jss142 jss558" data-cy="Currencies-Kursy_walut--date"></span></div><div class="jss559 MuiBox-root css-0"><table class="jss560" data-cy="Currencies-Kursy_walut--table" aria-describedby="currenciesTableTitle"><thead><tr><td> </td><td>Kupno</td><td>Sprzedaż</td></tr></thead><tbody><tr><td>CHF</td><td>4.4967</td><td>4.7749</td></tr><tr><td>USD</td><td>3.9156</td><td>4.2847</td></tr><tr><td>GBP</td><td>4.9306</td><td>5.3953</td></tr><tr><td>EUR</td><td>4.1104</td><td>4.4978</td></tr></tbody></table></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:0px" data-snippet="snippet"><div class="MuiBox-root css-6yavch" data-cy="Separator-Separator"><hr class="MuiDivider-root MuiDivider-fullWidth css-15vrnbb"/></div></div><div class="MuiBox-root css-0" style="padding-top:24px;padding-bottom:24px" data-snippet="snippet"><div class="jss561 MuiBox-root css-0" data-cy="Logotypes-Logotypy" id="g-ft-col-37de670174a2-logo-65446"><div class="jss566 MuiBox-root css-0"><p class="jss143 jss567" data-cy="Headline-"><a class="jss568" data-cy="Logotypes-Logotypy--title--link" target="_blank" href="https://www.pkobp.pl/o-banku/nagrody">Nagrody i wyróżnienia:</a></p></div><div class="jss564 MuiBox-root css-0"><a class="jss562" data-cy="Logotypes-Logotypy--link" target="_blank" id="g-ft-col-37de670174a2-logo-65446-l-65447" href="https://www.pkobp.pl/o-banku/nagrody"><div class="jss565 MuiBox-root css-0"><div class="jss570 MuiBox-root css-0" data-cy="Logotypes-item--0" data-id="dfc78c50-44d1-407a-a5fa-d643f90be37c"><div class="next-image-classname jss246"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%27112%27%20height=%27112%27/%3e"/></span><img alt="Finnoscore 2024: lider cyfrowej bankowości" title="Finnoscore 2024: lider cyfrowej bankowości" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" class="jss248" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Finnoscore 2024: lider cyfrowej bankowości" title="Finnoscore 2024: lider cyfrowej bankowości" _loading="lazy" srcSet="/api/public/6afae28a-89f7-4ca7-8835-b90cc6225522.png 1x, /api/public/6afae28a-89f7-4ca7-8835-b90cc6225522.png 2x" src="/api/public/6afae28a-89f7-4ca7-8835-b90cc6225522.png" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248" loading="lazy"/></noscript></span></div></div><div class="jss570 MuiBox-root css-0" data-cy="Logotypes-item--1" data-id="1f3e9469-bb21-4d4f-985a-3de6ae5abda5"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="PKO Bank Polski tryumfuje w rankingu Złoty Bankier" title="PKO Bank Polski tryumfuje w rankingu Złoty Bankier" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="PKO Bank Polski tryumfuje w rankingu Złoty Bankier" title="PKO Bank Polski tryumfuje w rankingu Złoty Bankier" _loading="lazy" sizes="100vw" srcSet="/api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 640w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 750w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 828w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 1080w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 1200w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 1920w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 2048w, /api/public/914d46a9-e9de-4403-94c7-7953314486ad.png 3840w" src="/api/public/914d46a9-e9de-4403-94c7-7953314486ad.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss570 MuiBox-root css-0" data-cy="Logotypes-item--2" data-id="30b7498e-d57d-4d3e-822b-8957a3297ffd"><div class="next-image-classname jss246"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%27104%27%20height=%27112%27/%3e"/></span><img alt="Grafika logotypu 3978" title="logo-nagroda-mta-2024" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" class="jss248" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika logotypu 3978" title="logo-nagroda-mta-2024" _loading="lazy" srcSet="/api/public/5c2379ff-54e3-4b72-93f4-1df1a917e240.png 1x, /api/public/5c2379ff-54e3-4b72-93f4-1df1a917e240.png 2x" src="/api/public/5c2379ff-54e3-4b72-93f4-1df1a917e240.png" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248" loading="lazy"/></noscript></span></div></div><div class="jss570 MuiBox-root css-0" data-cy="Logotypes-item--3" data-id="693dc3c3-0c85-4254-820f-8e95859f5d57"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="PKO Bank Polski laureatem Celent Model Bank Awards" title="PKO Bank Polski laureatem Celent Model Bank Awards" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="PKO Bank Polski laureatem Celent Model Bank Awards" title="PKO Bank Polski laureatem Celent Model Bank Awards" _loading="lazy" sizes="100vw" srcSet="/api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 640w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 750w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 828w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 1080w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 1200w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 1920w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 2048w, /api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png 3840w" src="/api/public/1ce8f74a-b8e1-4ae2-bff5-ad6f07f8ec96.png" decoding="async" data-nimg="fill" 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style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Certyfikat Top Employer 5-ty raz z rzędu" title="Certyfikat Top Employer 5-ty raz z rzędu" _loading="lazy" sizes="100vw" srcSet="/api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 640w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 750w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 828w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 1080w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 1200w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 1920w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 2048w, /api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png 3840w" src="/api/public/cd75a13e-19e7-42d0-bcf6-46fd4b1a2703.png" decoding="async" data-nimg="fill" 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Środki te należy zaangażować przed wypłatą kredytu/ pierwszej transzy kredytu. 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Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.\u003cbr/\u003e\u003cbr/\u003e\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. \u003cbr/\u003e\u003cbr/\u003e","created":"2024-10-17T09:12:34.785606+02:00"},{"name":"dd_RRSO-KH-PR-PKO-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,08%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:18:21.026076+02:00"},{"name":"dd_RRSO-KHM-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:10:20.066295+02:00"},{"name":"dd_RRSO-KH-PR-PKO-Z","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,83%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.417320+01:00"},{"name":"dd_RRSO-KHM","value":"9,92%","created":"2024-02-16T00:01:20.420734+01:00"},{"name":"dd_RRSO-KKI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:08:47.798006+02:00"},{"name":"dd_RRSO-KKMP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:03.144224+02:00"},{"name":"dd_RRSO-KKP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:21.677647+02:00"},{"name":"dd_RRSO-LO-BO-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","created":"2023-10-05T10:11:53.011659+02:00"},{"name":"dd_RRSO-LO-KI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","created":"2023-10-05T10:07:29.549523+02:00"},{"name":"[!RRSO-BK]","value":"4,31%","created":"2024-01-26T10:35:54.387093+01:00"},{"name":"[!RRSO-PK]","value":"14,92%","created":"2024-10-17T09:13:17.760316+02:00"},{"name":"[!RRSO-EP]","value":"19,55%","created":"2024-10-17T09:13:57.315741+02:00"},{"name":"[!RRSO-EPG]","value":"11,57%","created":"2024-01-26T10:36:13.391600+01:00"},{"name":"[!RRSO-KMSR]","value":"9,24%","created":"2024-06-07T15:55:58.263074+02:00"},{"name":"[!RRSO-KH-BH-Z]","value":"8,81%","created":"2023-11-29T16:28:35.068841+01:00"},{"name":"dd_RRSO-PH","value":"11,62%","created":"2024-02-16T00:01:20.911785+01:00"},{"name":"[!RRSO-PGPROMO]","value":"16,43%","created":"2024-07-01T08:32:03.227153+02:00"},{"name":"dd_RRSO-PH-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi \u003cstrong\u003e11,62%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.910606+01:00"},{"name":"[!RRSO-KH-BH]","value":"9,84%","created":"2024-02-16T00:01:20.946700+01:00"},{"name":"[!RRSO-KH-PKO-Z]","value":"8,41%","created":"2023-11-28T10:34:37.016813+01:00"},{"name":"[!RRSO-KH-PKO]","value":"9,83%","created":"2024-02-16T00:01:21.339212+01:00"},{"name":"[!RRSO-KHM]","value":"9,92%","created":"2024-02-16T00:01:21.031687+01:00"},{"name":"[!RRSO-PG]","value":"11,57%","created":"2024-01-26T10:37:38.808037+01:00"},{"name":"[!RRSO-PH]","value":"11,62%","created":"2024-02-16T00:01:21.413858+01:00"},{"name":"dd_RRSO-PG-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-10-29T11:43:20.563101+01:00"},{"name":"dd_RRSO-PK-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 14,92%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 42 447,56 zł, oprocentowanie zmienne 13,99%, całkowity koszt kredytu 15 747,56 zł (w tym: prowizja 0,00 zł, odsetki 15 747,56 zł), 85 miesięcznych rat równych po 493,45 zł i ostatnia rata: 504,31 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-10-17T09:11:47.038980+02:00"},{"name":"dd_RRSO-KMSR-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e8,90%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:11:31.364238+02:00"},{"name":"dd_RRSO-PH-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką \u003cstrong\u003e10,75%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:14:01.793362+02:00"},{"name":"dd_RRSO-KH-PR-BH-S","value":"\u003cstrong\u003e Rzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,10%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:16:33.315164+02:00"},{"name":"dd_RRSO-KHM-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. 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