{"id":8888,"date":"2021-07-07T08:56:16","date_gmt":"2021-07-07T06:56:16","guid":{"rendered":"https:\/\/sowafinansowa.pl\/?p=17797"},"modified":"2025-11-25T08:05:22","modified_gmt":"2025-11-25T07:05:22","slug":"odsetki-od-pozyczki-jak-je-obliczyc","status":"publish","type":"post","link":"https:\/\/rankomat.pl\/finanse\/poradniki\/odsetki-od-pozyczki-jak-je-obliczyc\/","title":{"rendered":"Odsetki od po\u017cyczki. Jak je obliczy\u0107?"},"content":{"rendered":"<p><strong>Odsetki to obok prowizji najcz\u0119stszy koszt, kt\u00f3ry musi ponie\u015b\u0107 po\u017cyczkobiorca w zwi\u0105zku z uzyskanym finansowaniem. Wiedza jak je obliczy\u0107, pomaga por\u00f3wna\u0107 r\u00f3\u017cne oferty po\u017cyczkowe i wybra\u0107 najkorzystniejsz\u0105.<\/strong><\/p>\r\n\r\n\r\n\r\n<p><!--more--><\/p>\r\n\r\n\r\n\r\n<p>Cho\u0107 wysoko\u015b\u0107 odsetek ma znaczenie przede wszystkim przy po\u017cyczkach d\u0142ugoterminowych, to jednak warto pozna\u0107 ich warto\u015b\u0107 r\u00f3wnie\u017c przy kr\u00f3tkoterminowym finansowaniu. Zar\u00f3wno banki, jak i firmy po\u017cyczkowe, kt\u00f3re udzielaj\u0105 finansowania konsumentom, moj\u0105 obowi\u0105zek poda\u0107 pe\u0142ne koszty, kt\u00f3re b\u0119dzie trzeba ponie\u015b\u0107 z tytu\u0142u po\u017cyczki, jeszcze przed podpisaniem umowy.<\/p>\r\n\r\n\r\n\r\n<div class=\"large-12 medium-12 small-12 columns pad-24 bg-container\">\n                <header class=\"bg-image bg-picture\">\n                    <picture>\n                        <source media=\"(max-width:640px)\" srcset=\"https:\/\/rankomat.pl\/finanse\/wp-content\/uploads\/thumbs\/header_bg\/mobile\/2021\/07\/calipers-4017104_1920.jpg\">\n                        <source media=\"(min-width:641px)\" srcset=\"https:\/\/rankomat.pl\/finanse\/wp-content\/uploads\/thumbs\/header_bg\/2021\/07\/calipers-4017104_1920.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/rankomat.pl\/finanse\/wp-content\/uploads\/thumbs\/header_bg\/2021\/07\/calipers-4017104_1920.jpg\" alt=\"Obliczanie odsetek suwmiark\u0105\" aria-hidden=\"true\">\n                    <\/source><\/source><\/picture>\n                <\/header>\n            <\/div>\n                <div class=\"table-of-contents\">\n                    <span class=\"label\">Z tego artyku\u0142u dowiesz si\u0119:<\/span>\n                    <div class=\"table-of-contents-wrap\">\n                        <ul><li class=\"link-h2\"><a href=\"#czym-sa-odsetki-od-pozyczki\" title=\"Czym s\u0105 odsetki od po\u017cyczki?\" class=\"scrollto\">1. Czym s\u0105 odsetki od po\u017cyczki?<\/a><\/li><li class=\"link-h2\"><a href=\"#oprocentowanie-a-odsetki\" title=\"Oprocentowanie a odsetki\" class=\"scrollto\">2. Oprocentowanie a odsetki<\/a><\/li><li class=\"link-h2\"><a href=\"#maksymalna-wysokosc-odsetek-od-pozyczki-w-2021-roku\" title=\"Maksymalna wysoko\u015b\u0107 odsetek od po\u017cyczki w 2021 roku\" class=\"scrollto\">3. Maksymalna wysoko\u015b\u0107 odsetek od po\u017cyczki w 2021 roku<\/a><\/li><li class=\"link-h2 contents-more\"><a href=\"#jak-samodzielnie-obliczyc-odsetki-od-pozyczki-wzor\" title=\"Jak samodzielnie obliczy\u0107 odsetki od po\u017cyczki? Wz\u00f3r\" class=\"scrollto\">4. Jak samodzielnie obliczy\u0107 odsetki od po\u017cyczki? Wz\u00f3r<\/a><\/li><li class=\"link-h2 contents-more\"><a href=\"#jak-zmniejszyc-wysokosc-odsetek\" title=\"Jak zmniejszy\u0107 wysoko\u015b\u0107 odsetek?\" class=\"scrollto\">5. Jak zmniejszy\u0107 wysoko\u015b\u0107 odsetek?<\/a><\/li><li class=\"link-h2 contents-more\"><a href=\"#oferty-pozyczek-z-niskimi-odsetkami-i-oprocentowaniem\" title=\"Oferty po\u017cyczek z niskimi odsetkami i oprocentowaniem\" class=\"scrollto\">6. Oferty po\u017cyczek z niskimi odsetkami i oprocentowaniem<\/a><\/li><li class=\"link-h3 contents-more\"><a href=\"#pozyczka-plus\" title=\"Po\u017cyczka Plus\" class=\"scrollto\">6.1. Po\u017cyczka Plus<\/a><\/li><li class=\"link-h3 contents-more\"><a href=\"#gotowka-nonstop\" title=\"Got\u00f3wka nonstop\" class=\"scrollto\">6.2. Got\u00f3wka nonstop<\/a><\/li><li class=\"link-h3 contents-more\"><a href=\"#hapi-pozyczki\" title=\"Hapi po\u017cyczki\" class=\"scrollto\">6.3. Hapi po\u017cyczki<\/a><\/li><li class=\"link-h3 contents-more\"><a href=\"#wonga\" title=\"Wonga\" class=\"scrollto\">6.4. Wonga<\/a><\/li><li class=\"link-h2 contents-more\"><a href=\"#podsumowanie\" title=\"Podsumowanie\" class=\"scrollto\">7. Podsumowanie<\/a><\/li><\/ul>\n                    <\/div>\n                <\/div>\n                <h2 class=\"wp-block-heading\" id=\"czym-sa-odsetki-od-pozyczki\">Czym s\u0105 odsetki od po\u017cyczki?<\/h2>\r\n\r\n\r\n\r\n<p>Odsetki od po\u017cyczki to jeden z element\u00f3w wynagrodzenia instytucji bankowej lub pozabankowej pobierany z tytu\u0142u umowy po\u017cyczki lub kredytu. Dla po\u017cyczkobiorcy odsetki stanowi\u0105 koszt, kt\u00f3ry musi ponie\u015b\u0107 w zwi\u0105zku korzystaniem z po\u017cyczonych \u015brodk\u00f3w przez okre\u015blony czas. Cho\u0107 ka\u017cda instytucja mo\u017ce dowolnie konstruowa\u0107 swoj\u0105 ofert\u0119 po\u017cyczkow\u0105, w tym koszty, to przepisy okre\u015blaj\u0105 maksymaln\u0105 wysoko\u015b\u0107 odsetek, kt\u00f3re mo\u017ce naliczy\u0107 po\u017cyczkodawca.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"oprocentowanie-a-odsetki\">Oprocentowanie a odsetki<\/h2>\r\n\r\n\r\n\r\n<p>Oprocentowanie po\u017cyczki pozwala na obliczenie wysoko\u015bci odsetek. Im jest ni\u017csze, tym wysoko\u015b\u0107 odsetek b\u0119dzie ni\u017csza. Oprocentowanie okre\u015blane jest w skali roku. Natomiast odsetki p\u0142atne s\u0105 co miesi\u0105c, razem z miesi\u0119czn\u0105 rat\u0105 kapita\u0142owo-odsetkow\u0105 lub jednorazowo w przypadku po\u017cyczki kr\u00f3tkoterminowej, \u0142\u0105czenie ze sp\u0142at\u0105 ca\u0142ej po\u017cyczonej kwoty. Wysoko\u015b\u0107 odsetek opr\u00f3cz oprocentowania zale\u017cy r\u00f3wnie\u017c od okresu sp\u0142aty zobowi\u0105zania i po\u017cyczonej kwoty.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"maksymalna-wysokosc-odsetek-od-pozyczki-w-2021-roku\">Maksymalna wysoko\u015b\u0107 odsetek od po\u017cyczki w 2021 roku<\/h2>\r\n\r\n\r\n\r\n<p>Wysoko\u015b\u0107 odsetek maksymalnych, kt\u00f3re mog\u0105 by\u0107 stosowane przy umowie po\u017cyczki jest zmienna i zale\u017cy od stopy referencyjnej Narodowego Banku Polskiego, kt\u00f3r\u0105 ustala Rada Polityki Pieni\u0119\u017cnej.<\/p>\r\n\r\n\r\n\r\n<p>Zgodnie z przepisami kodeksu cywilnego wysoko\u015b\u0107 odsetek maksymalnych nie mo\u017ce przekracza\u0107 w skali roku dwukrotno\u015bci wysoko\u015bci odsetek ustawowych.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Odsetki ustawowe stanowi\u0105 sum\u0119 stopy referencyjnej NBP (aktualnie 0,1%)\u00a0 i 3,5 punkt\u00f3w procentowych. Oznacza to, \u017ce wysoko\u015b\u0107 maksymalnych odsetek ustawowych wynosi 7,2% w skali roku.<\/p>\r\n\r\n\r\n\r\n<p>Przepisy okre\u015blaj\u0105 r\u00f3wnie\u017c maksymaln\u0105 wysoko\u015b\u0107 odsetek za op\u00f3\u017anienie \u2013 to dwukrotno\u015b\u0107 odsetek za op\u00f3\u017anienie, kt\u00f3re stanowi\u0105 sum\u0119 stopy referencyjnej NBP i 5,5 punkt\u00f3w procentowych.<\/p>\r\n\r\n\r\n\r\n<p>Wysoko\u015b\u0107 odsetek i spos\u00f3b ich wyliczenia przedstawia poni\u017csza tabela.<\/p>\r\n\r\n\r\n<div class=\"table-responsive\">\n\n<table id=\"tablepress-105\" class=\"tablepress tablepress-id-105\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Powierzchnia gospodarstwa domowego<\/th><th class=\"column-2\">Wysoko\u015b\u0107 op\u0142aty<\/th><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><\/td><td class=\"column-6\"><\/td><td class=\"column-7\"><\/td><td class=\"column-8\"><\/td><td class=\"column-9\"><\/td><td class=\"column-10\"><\/td><td class=\"column-11\"><\/td><td class=\"column-12\"><\/td><td class=\"column-13\"><\/td><td class=\"column-14\"><\/td><td class=\"column-15\"><\/td><td class=\"column-16\"><\/td><td class=\"column-17\"><\/td><td class=\"column-18\"><\/td><td class=\"column-19\"><\/td><td class=\"column-20\"><\/td><td class=\"column-21\"><\/td><td class=\"column-22\"><\/td><td class=\"column-23\"><\/td><td class=\"column-24\"><\/td><td class=\"column-25\"><\/td><td class=\"column-26\"><\/td><td class=\"column-27\"><\/td><td class=\"column-28\"><\/td><td class=\"column-29\"><\/td><td class=\"column-30\"><\/td><td class=\"column-31\"><\/td><td class=\"column-32\"><\/td><td class=\"column-33\"><\/td><td class=\"column-34\"><\/td><td class=\"column-35\"><\/td><td class=\"column-36\"><\/td><td class=\"column-37\"><\/td><td class=\"column-38\"><\/td><td class=\"column-39\"><\/td><td class=\"column-40\"><\/td><td class=\"column-41\"><\/td><td class=\"column-42\"><\/td><td class=\"column-43\"><\/td><td class=\"column-44\"><\/td><td class=\"column-45\"><\/td><td class=\"column-46\"><\/td><td class=\"column-47\"><\/td><td class=\"column-48\"><\/td><td class=\"column-49\"><\/td><td class=\"column-50\"><\/td><td class=\"column-51\"><\/td><td class=\"column-52\"><\/td><td class=\"column-53\"><\/td><td class=\"column-54\"><\/td><td class=\"column-55\"><\/td><td class=\"column-56\"><\/td><td class=\"column-57\"><\/td><td class=\"column-58\"><\/td><td class=\"column-59\"><\/td><td class=\"column-60\"><\/td><td class=\"column-61\"><\/td><td class=\"column-62\"><\/td><td class=\"column-63\"><\/td><td class=\"column-64\"><\/td><td class=\"column-65\"><\/td><td class=\"column-66\"><\/td><td class=\"column-67\"><\/td><td class=\"column-68\"><\/td><td class=\"column-69\"><\/td><td class=\"column-70\"><\/td><td class=\"column-71\"><\/td><td class=\"column-72\"><\/td><td class=\"column-73\"><\/td><td class=\"column-74\"><\/td><td class=\"column-75\"><\/td><td class=\"column-76\"><\/td><td class=\"column-77\"><\/td><td class=\"column-78\"><\/td><td class=\"column-79\"><\/td><td class=\"column-80\"><\/td><td class=\"column-81\"><\/td><td class=\"column-82\"><\/td><td class=\"column-83\"><\/td><td class=\"column-84\"><\/td><td class=\"column-85\"><\/td><td class=\"column-86\"><\/td><td class=\"column-87\"><\/td><td class=\"column-88\"><\/td><td class=\"column-89\"><\/td><td class=\"column-90\"><\/td><td class=\"column-91\"><\/td><td class=\"column-92\"><\/td><td class=\"column-93\"><\/td><td class=\"column-94\"><\/td><td class=\"column-95\"><\/td><td class=\"column-96\"><\/td><td class=\"column-97\"><\/td><td class=\"column-98\"><\/td><td class=\"column-99\"><\/td><td class=\"column-100\"><\/td><td class=\"column-101\"><\/td><td class=\"column-102\"><\/td><td class=\"column-103\"><\/td><td class=\"column-104\"><\/td><td class=\"column-105\"><\/td><td class=\"column-106\"><\/td><td class=\"column-107\"><\/td><td class=\"column-108\"><\/td><td class=\"column-109\"><\/td><td class=\"column-110\"><\/td><td class=\"column-111\"><\/td><td class=\"column-112\"><\/td><td class=\"column-113\"><\/td><td class=\"column-114\"><\/td><td class=\"column-115\"><\/td><td class=\"column-116\"><\/td><td class=\"column-117\"><\/td><td class=\"column-118\"><\/td><td class=\"column-119\"><\/td><td class=\"column-120\"><\/td><td class=\"column-121\"><\/td><td class=\"column-122\"><\/td><td class=\"column-123\"><\/td><td class=\"column-124\"><\/td><td class=\"column-125\"><\/td><td class=\"column-126\"><\/td><td class=\"column-127\"><\/td><td class=\"column-128\"><\/td><td class=\"column-129\"><\/td><td class=\"column-130\"><\/td><td class=\"column-131\"><\/td><td class=\"column-132\"><\/td><td class=\"column-133\"><\/td><td class=\"column-134\"><\/td><td class=\"column-135\"><\/td><td class=\"column-136\"><\/td><td class=\"column-137\"><\/td><td class=\"column-138\"><\/td><td class=\"column-139\"><\/td><td class=\"column-140\"><\/td><td class=\"column-141\"><\/td><td class=\"column-142\"><\/td><td class=\"column-143\"><\/td><td class=\"column-144\"><\/td><td class=\"column-145\"><\/td><td class=\"column-146\"><\/td><td class=\"column-147\"><\/td><td class=\"column-148\"><\/td><td class=\"column-149\"><\/td><td class=\"column-150\"><\/td><td class=\"column-151\"><\/td><td class=\"column-152\"><\/td><td class=\"column-153\"><\/td><td class=\"column-154\"><\/td><td class=\"column-155\"><\/td><td class=\"column-156\"><\/td><td class=\"column-157\"><\/td><td class=\"column-158\"><\/td><td class=\"column-159\"><\/td><td class=\"column-160\"><\/td><td class=\"column-161\"><\/td><td class=\"column-162\"><\/td><td class=\"column-163\"><\/td><td class=\"column-164\"><\/td><td class=\"column-165\"><\/td><td class=\"column-166\"><\/td><td class=\"column-167\"><\/td><td class=\"column-168\"><\/td><td class=\"column-169\"><\/td><td class=\"column-170\"><\/td><td class=\"column-171\"><\/td><td class=\"column-172\"><\/td><td class=\"column-173\"><\/td><td class=\"column-174\"><\/td><td class=\"column-175\"><\/td><td class=\"column-176\"><\/td><td class=\"column-177\"><\/td><td class=\"column-178\"><\/td><td class=\"column-179\"><\/td><td class=\"column-180\"><\/td><td class=\"column-181\"><\/td><td class=\"column-182\"><\/td><td class=\"column-183\"><\/td><td class=\"column-184\"><\/td><td class=\"column-185\"><\/td><td class=\"column-186\"><\/td><td class=\"column-187\"><\/td><td class=\"column-188\"><\/td><td class=\"column-189\"><\/td><td class=\"column-190\"><\/td><td class=\"column-191\"><\/td><td class=\"column-192\"><\/td><td class=\"column-193\"><\/td><td class=\"column-194\"><\/td><td class=\"column-195\"><\/td><td class=\"column-196\"><\/td><td class=\"column-197\"><\/td><td class=\"column-198\"><\/td><td class=\"column-199\"><\/td><td class=\"column-200\"><\/td><td class=\"column-201\"><\/td><td class=\"column-202\"><\/td><td class=\"column-203\"><\/td><td class=\"column-204\"><\/td><td class=\"column-205\"><\/td><td class=\"column-206\"><\/td><td class=\"column-207\"><\/td><td class=\"column-208\"><\/td><td class=\"column-209\"><\/td><td class=\"column-210\"><\/td><td class=\"column-211\"><\/td><td class=\"column-212\"><\/td><td class=\"column-213\"><\/td><td class=\"column-214\"><\/td><td class=\"column-215\"><\/td><td class=\"column-216\"><\/td><td class=\"column-217\"><\/td><td class=\"column-218\"><\/td><td class=\"column-219\"><\/td><td class=\"column-220\"><\/td><td class=\"column-221\"><\/td><td class=\"column-222\"><\/td><td class=\"column-223\"><\/td><td class=\"column-224\"><\/td><td class=\"column-225\"><\/td><td class=\"column-226\"><\/td><td class=\"column-227\"><\/td><td class=\"column-228\"><\/td><td class=\"column-229\"><\/td><td class=\"column-230\"><\/td><td class=\"column-231\"><\/td><td class=\"column-232\"><\/td><td class=\"column-233\"><\/td><td class=\"column-234\"><\/td><td class=\"column-235\"><\/td><td class=\"column-236\"><\/td><td class=\"column-237\"><\/td><td class=\"column-238\"><\/td><td class=\"column-239\"><\/td><td class=\"column-240\"><\/td><td class=\"column-241\"><\/td><td class=\"column-242\"><\/td><td class=\"column-243\"><\/td><td class=\"column-244\"><\/td><td class=\"column-245\"><\/td><td class=\"column-246\"><\/td><td class=\"column-247\"><\/td><td class=\"column-248\"><\/td><td class=\"column-249\"><\/td><td class=\"column-250\"><\/td><td class=\"column-251\"><\/td><td class=\"column-252\"><\/td><td class=\"column-253\"><\/td><td class=\"column-254\"><\/td><td class=\"column-255\"><\/td><td class=\"column-256\"><\/td>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Do 40m2<\/td><td class=\"column-2\">16 z\u0142 za miesi\u0105c<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><\/td><td class=\"column-6\"><\/td><td class=\"column-7\"><\/td><td class=\"column-8\"><\/td><td class=\"column-9\"><\/td><td class=\"column-10\"><\/td><td class=\"column-11\"><\/td><td class=\"column-12\"><\/td><td class=\"column-13\"><\/td><td class=\"column-14\"><\/td><td class=\"column-15\"><\/td><td class=\"column-16\"><\/td><td class=\"column-17\"><\/td><td class=\"column-18\"><\/td><td class=\"column-19\"><\/td><td class=\"column-20\"><\/td><td class=\"column-21\"><\/td><td class=\"column-22\"><\/td><td class=\"column-23\"><\/td><td class=\"column-24\"><\/td><td class=\"column-25\"><\/td><td class=\"column-26\"><\/td><td class=\"column-27\"><\/td><td class=\"column-28\"><\/td><td class=\"column-29\"><\/td><td class=\"column-30\"><\/td><td class=\"column-31\"><\/td><td class=\"column-32\"><\/td><td class=\"column-33\"><\/td><td class=\"column-34\"><\/td><td class=\"column-35\"><\/td><td class=\"column-36\"><\/td><td class=\"column-37\"><\/td><td class=\"column-38\"><\/td><td class=\"column-39\"><\/td><td class=\"column-40\"><\/td><td class=\"column-41\"><\/td><td class=\"column-42\"><\/td><td class=\"column-43\"><\/td><td class=\"column-44\"><\/td><td class=\"column-45\"><\/td><td class=\"column-46\"><\/td><td class=\"column-47\"><\/td><td class=\"column-48\"><\/td><td class=\"column-49\"><\/td><td class=\"column-50\"><\/td><td class=\"column-51\"><\/td><td class=\"column-52\"><\/td><td class=\"column-53\"><\/td><td class=\"column-54\"><\/td><td class=\"column-55\"><\/td><td class=\"column-56\"><\/td><td class=\"column-57\"><\/td><td class=\"column-58\"><\/td><td class=\"column-59\"><\/td><td class=\"column-60\"><\/td><td class=\"column-61\"><\/td><td class=\"column-62\"><\/td><td class=\"column-63\"><\/td><td class=\"column-64\"><\/td><td class=\"column-65\"><\/td><td class=\"column-66\"><\/td><td class=\"column-67\"><\/td><td class=\"column-68\"><\/td><td class=\"column-69\"><\/td><td class=\"column-70\"><\/td><td class=\"column-71\"><\/td><td class=\"column-72\"><\/td><td class=\"column-73\"><\/td><td class=\"column-74\"><\/td><td class=\"column-75\"><\/td><td class=\"column-76\"><\/td><td class=\"column-77\"><\/td><td class=\"column-78\"><\/td><td class=\"column-79\"><\/td><td class=\"column-80\"><\/td><td class=\"column-81\"><\/td><td class=\"column-82\"><\/td><td class=\"column-83\"><\/td><td class=\"column-84\"><\/td><td class=\"column-85\"><\/td><td class=\"column-86\"><\/td><td class=\"column-87\"><\/td><td class=\"column-88\"><\/td><td class=\"column-89\"><\/td><td class=\"column-90\"><\/td><td class=\"column-91\"><\/td><td class=\"column-92\"><\/td><td class=\"column-93\"><\/td><td class=\"column-94\"><\/td><td class=\"column-95\"><\/td><td class=\"column-96\"><\/td><td class=\"column-97\"><\/td><td class=\"column-98\"><\/td><td class=\"column-99\"><\/td><td class=\"column-100\"><\/td><td class=\"column-101\"><\/td><td class=\"column-102\"><\/td><td class=\"column-103\"><\/td><td class=\"column-104\"><\/td><td class=\"column-105\"><\/td><td class=\"column-106\"><\/td><td class=\"column-107\"><\/td><td class=\"column-108\"><\/td><td class=\"column-109\"><\/td><td class=\"column-110\"><\/td><td class=\"column-111\"><\/td><td class=\"column-112\"><\/td><td class=\"column-113\"><\/td><td class=\"column-114\"><\/td><td class=\"column-115\"><\/td><td class=\"column-116\"><\/td><td class=\"column-117\"><\/td><td class=\"column-118\"><\/td><td class=\"column-119\"><\/td><td class=\"column-120\"><\/td><td class=\"column-121\"><\/td><td class=\"column-122\"><\/td><td class=\"column-123\"><\/td><td class=\"column-124\"><\/td><td class=\"column-125\"><\/td><td class=\"column-126\"><\/td><td class=\"column-127\"><\/td><td class=\"column-128\"><\/td><td class=\"column-129\"><\/td><td class=\"column-130\"><\/td><td class=\"column-131\"><\/td><td class=\"column-132\"><\/td><td class=\"column-133\"><\/td><td class=\"column-134\"><\/td><td class=\"column-135\"><\/td><td class=\"column-136\"><\/td><td class=\"column-137\"><\/td><td class=\"column-138\"><\/td><td class=\"column-139\"><\/td><td class=\"column-140\"><\/td><td class=\"column-141\"><\/td><td class=\"column-142\"><\/td><td class=\"column-143\"><\/td><td class=\"column-144\"><\/td><td class=\"column-145\"><\/td><td class=\"column-146\"><\/td><td class=\"column-147\"><\/td><td class=\"column-148\"><\/td><td class=\"column-149\"><\/td><td class=\"column-150\"><\/td><td class=\"column-151\"><\/td><td class=\"column-152\"><\/td><td class=\"column-153\"><\/td><td class=\"column-154\"><\/td><td class=\"column-155\"><\/td><td class=\"column-156\"><\/td><td class=\"column-157\"><\/td><td class=\"column-158\"><\/td><td class=\"column-159\"><\/td><td class=\"column-160\"><\/td><td class=\"column-161\"><\/td><td class=\"column-162\"><\/td><td class=\"column-163\"><\/td><td class=\"column-164\"><\/td><td class=\"column-165\"><\/td><td class=\"column-166\"><\/td><td class=\"column-167\"><\/td><td class=\"column-168\"><\/td><td class=\"column-169\"><\/td><td class=\"column-170\"><\/td><td class=\"column-171\"><\/td><td class=\"column-172\"><\/td><td class=\"column-173\"><\/td><td class=\"column-174\"><\/td><td class=\"column-175\"><\/td><td class=\"column-176\"><\/td><td class=\"column-177\"><\/td><td class=\"column-178\"><\/td><td class=\"column-179\"><\/td><td class=\"column-180\"><\/td><td class=\"column-181\"><\/td><td class=\"column-182\"><\/td><td class=\"column-183\"><\/td><td class=\"column-184\"><\/td><td class=\"column-185\"><\/td><td class=\"column-186\"><\/td><td class=\"column-187\"><\/td><td class=\"column-188\"><\/td><td class=\"column-189\"><\/td><td class=\"column-190\"><\/td><td class=\"column-191\"><\/td><td class=\"column-192\"><\/td><td class=\"column-193\"><\/td><td class=\"column-194\"><\/td><td class=\"column-195\"><\/td><td class=\"column-196\"><\/td><td class=\"column-197\"><\/td><td class=\"column-198\"><\/td><td class=\"column-199\"><\/td><td class=\"column-200\"><\/td><td class=\"column-201\"><\/td><td class=\"column-202\"><\/td><td class=\"column-203\"><\/td><td class=\"column-204\"><\/td><td class=\"column-205\"><\/td><td class=\"column-206\"><\/td><td class=\"column-207\"><\/td><td class=\"column-208\"><\/td><td class=\"column-209\"><\/td><td class=\"column-210\"><\/td><td class=\"column-211\"><\/td><td class=\"column-212\"><\/td><td class=\"column-213\"><\/td><td class=\"column-214\"><\/td><td class=\"column-215\"><\/td><td class=\"column-216\"><\/td><td class=\"column-217\"><\/td><td class=\"column-218\"><\/td><td class=\"column-219\"><\/td><td class=\"column-220\"><\/td><td class=\"column-221\"><\/td><td class=\"column-222\"><\/td><td class=\"column-223\"><\/td><td class=\"column-224\"><\/td><td class=\"column-225\"><\/td><td class=\"column-226\"><\/td><td class=\"column-227\"><\/td><td class=\"column-228\"><\/td><td class=\"column-229\"><\/td><td class=\"column-230\"><\/td><td class=\"column-231\"><\/td><td class=\"column-232\"><\/td><td class=\"column-233\"><\/td><td class=\"column-234\"><\/td><td class=\"column-235\"><\/td><td class=\"column-236\"><\/td><td class=\"column-237\"><\/td><td class=\"column-238\"><\/td><td class=\"column-239\"><\/td><td class=\"column-240\"><\/td><td class=\"column-241\"><\/td><td class=\"column-242\"><\/td><td class=\"column-243\"><\/td><td class=\"column-244\"><\/td><td class=\"column-245\"><\/td><td class=\"column-246\"><\/td><td class=\"column-247\"><\/td><td class=\"column-248\"><\/td><td class=\"column-249\"><\/td><td class=\"column-250\"><\/td><td class=\"column-251\"><\/td><td class=\"column-252\"><\/td><td class=\"column-253\"><\/td><td class=\"column-254\"><\/td><td class=\"column-255\"><\/td><td class=\"column-256\"><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Od 40,01 do 80 m2<\/td><td class=\"column-2\">36 z\u0142 za miesi\u0105c<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><\/td><td class=\"column-6\"><\/td><td class=\"column-7\"><\/td><td class=\"column-8\"><\/td><td class=\"column-9\"><\/td><td class=\"column-10\"><\/td><td class=\"column-11\"><\/td><td class=\"column-12\"><\/td><td class=\"column-13\"><\/td><td class=\"column-14\"><\/td><td class=\"column-15\"><\/td><td class=\"column-16\"><\/td><td class=\"column-17\"><\/td><td class=\"column-18\"><\/td><td class=\"column-19\"><\/td><td class=\"column-20\"><\/td><td class=\"column-21\"><\/td><td class=\"column-22\"><\/td><td class=\"column-23\"><\/td><td class=\"column-24\"><\/td><td class=\"column-25\"><\/td><td class=\"column-26\"><\/td><td class=\"column-27\"><\/td><td class=\"column-28\"><\/td><td class=\"column-29\"><\/td><td class=\"column-30\"><\/td><td class=\"column-31\"><\/td><td class=\"column-32\"><\/td><td class=\"column-33\"><\/td><td class=\"column-34\"><\/td><td class=\"column-35\"><\/td><td class=\"column-36\"><\/td><td class=\"column-37\"><\/td><td class=\"column-38\"><\/td><td class=\"column-39\"><\/td><td class=\"column-40\"><\/td><td class=\"column-41\"><\/td><td class=\"column-42\"><\/td><td class=\"column-43\"><\/td><td class=\"column-44\"><\/td><td class=\"column-45\"><\/td><td class=\"column-46\"><\/td><td class=\"column-47\"><\/td><td class=\"column-48\"><\/td><td class=\"column-49\"><\/td><td class=\"column-50\"><\/td><td class=\"column-51\"><\/td><td class=\"column-52\"><\/td><td class=\"column-53\"><\/td><td class=\"column-54\"><\/td><td class=\"column-55\"><\/td><td class=\"column-56\"><\/td><td class=\"column-57\"><\/td><td class=\"column-58\"><\/td><td class=\"column-59\"><\/td><td class=\"column-60\"><\/td><td class=\"column-61\"><\/td><td class=\"column-62\"><\/td><td class=\"column-63\"><\/td><td class=\"column-64\"><\/td><td class=\"column-65\"><\/td><td class=\"column-66\"><\/td><td class=\"column-67\"><\/td><td class=\"column-68\"><\/td><td class=\"column-69\"><\/td><td class=\"column-70\"><\/td><td class=\"column-71\"><\/td><td class=\"column-72\"><\/td><td class=\"column-73\"><\/td><td class=\"column-74\"><\/td><td class=\"column-75\"><\/td><td class=\"column-76\"><\/td><td class=\"column-77\"><\/td><td class=\"column-78\"><\/td><td class=\"column-79\"><\/td><td class=\"column-80\"><\/td><td class=\"column-81\"><\/td><td class=\"column-82\"><\/td><td class=\"column-83\"><\/td><td class=\"column-84\"><\/td><td class=\"column-85\"><\/td><td class=\"column-86\"><\/td><td class=\"column-87\"><\/td><td class=\"column-88\"><\/td><td class=\"column-89\"><\/td><td class=\"column-90\"><\/td><td class=\"column-91\"><\/td><td class=\"column-92\"><\/td><td class=\"column-93\"><\/td><td class=\"column-94\"><\/td><td class=\"column-95\"><\/td><td class=\"column-96\"><\/td><td class=\"column-97\"><\/td><td class=\"column-98\"><\/td><td class=\"column-99\"><\/td><td class=\"column-100\"><\/td><td class=\"column-101\"><\/td><td class=\"column-102\"><\/td><td class=\"column-103\"><\/td><td class=\"column-104\"><\/td><td class=\"column-105\"><\/td><td class=\"column-106\"><\/td><td class=\"column-107\"><\/td><td class=\"column-108\"><\/td><td class=\"column-109\"><\/td><td class=\"column-110\"><\/td><td class=\"column-111\"><\/td><td class=\"column-112\"><\/td><td class=\"column-113\"><\/td><td class=\"column-114\"><\/td><td class=\"column-115\"><\/td><td class=\"column-116\"><\/td><td class=\"column-117\"><\/td><td class=\"column-118\"><\/td><td class=\"column-119\"><\/td><td class=\"column-120\"><\/td><td class=\"column-121\"><\/td><td class=\"column-122\"><\/td><td class=\"column-123\"><\/td><td class=\"column-124\"><\/td><td class=\"column-125\"><\/td><td class=\"column-126\"><\/td><td class=\"column-127\"><\/td><td class=\"column-128\"><\/td><td class=\"column-129\"><\/td><td class=\"column-130\"><\/td><td class=\"column-131\"><\/td><td class=\"column-132\"><\/td><td class=\"column-133\"><\/td><td class=\"column-134\"><\/td><td class=\"column-135\"><\/td><td class=\"column-136\"><\/td><td class=\"column-137\"><\/td><td class=\"column-138\"><\/td><td class=\"column-139\"><\/td><td class=\"column-140\"><\/td><td class=\"column-141\"><\/td><td class=\"column-142\"><\/td><td class=\"column-143\"><\/td><td class=\"column-144\"><\/td><td class=\"column-145\"><\/td><td class=\"column-146\"><\/td><td class=\"column-147\"><\/td><td class=\"column-148\"><\/td><td class=\"column-149\"><\/td><td class=\"column-150\"><\/td><td class=\"column-151\"><\/td><td class=\"column-152\"><\/td><td class=\"column-153\"><\/td><td class=\"column-154\"><\/td><td class=\"column-155\"><\/td><td class=\"column-156\"><\/td><td class=\"column-157\"><\/td><td class=\"column-158\"><\/td><td class=\"column-159\"><\/td><td class=\"column-160\"><\/td><td class=\"column-161\"><\/td><td class=\"column-162\"><\/td><td class=\"column-163\"><\/td><td class=\"column-164\"><\/td><td class=\"column-165\"><\/td><td class=\"column-166\"><\/td><td class=\"column-167\"><\/td><td class=\"column-168\"><\/td><td class=\"column-169\"><\/td><td class=\"column-170\"><\/td><td class=\"column-171\"><\/td><td class=\"column-172\"><\/td><td class=\"column-173\"><\/td><td class=\"column-174\"><\/td><td class=\"column-175\"><\/td><td class=\"column-176\"><\/td><td class=\"column-177\"><\/td><td class=\"column-178\"><\/td><td class=\"column-179\"><\/td><td class=\"column-180\"><\/td><td class=\"column-181\"><\/td><td class=\"column-182\"><\/td><td class=\"column-183\"><\/td><td class=\"column-184\"><\/td><td class=\"column-185\"><\/td><td class=\"column-186\"><\/td><td class=\"column-187\"><\/td><td class=\"column-188\"><\/td><td class=\"column-189\"><\/td><td class=\"column-190\"><\/td><td class=\"column-191\"><\/td><td class=\"column-192\"><\/td><td class=\"column-193\"><\/td><td class=\"column-194\"><\/td><td class=\"column-195\"><\/td><td class=\"column-196\"><\/td><td class=\"column-197\"><\/td><td class=\"column-198\"><\/td><td class=\"column-199\"><\/td><td class=\"column-200\"><\/td><td class=\"column-201\"><\/td><td class=\"column-202\"><\/td><td class=\"column-203\"><\/td><td class=\"column-204\"><\/td><td class=\"column-205\"><\/td><td class=\"column-206\"><\/td><td class=\"column-207\"><\/td><td class=\"column-208\"><\/td><td class=\"column-209\"><\/td><td class=\"column-210\"><\/td><td class=\"column-211\"><\/td><td class=\"column-212\"><\/td><td class=\"column-213\"><\/td><td class=\"column-214\"><\/td><td class=\"column-215\"><\/td><td class=\"column-216\"><\/td><td class=\"column-217\"><\/td><td class=\"column-218\"><\/td><td class=\"column-219\"><\/td><td class=\"column-220\"><\/td><td class=\"column-221\"><\/td><td class=\"column-222\"><\/td><td class=\"column-223\"><\/td><td class=\"column-224\"><\/td><td class=\"column-225\"><\/td><td class=\"column-226\"><\/td><td class=\"column-227\"><\/td><td class=\"column-228\"><\/td><td class=\"column-229\"><\/td><td class=\"column-230\"><\/td><td class=\"column-231\"><\/td><td class=\"column-232\"><\/td><td class=\"column-233\"><\/td><td class=\"column-234\"><\/td><td class=\"column-235\"><\/td><td class=\"column-236\"><\/td><td class=\"column-237\"><\/td><td class=\"column-238\"><\/td><td class=\"column-239\"><\/td><td class=\"column-240\"><\/td><td class=\"column-241\"><\/td><td class=\"column-242\"><\/td><td class=\"column-243\"><\/td><td class=\"column-244\"><\/td><td class=\"column-245\"><\/td><td class=\"column-246\"><\/td><td class=\"column-247\"><\/td><td class=\"column-248\"><\/td><td class=\"column-249\"><\/td><td class=\"column-250\"><\/td><td class=\"column-251\"><\/td><td class=\"column-252\"><\/td><td class=\"column-253\"><\/td><td class=\"column-254\"><\/td><td class=\"column-255\"><\/td><td class=\"column-256\"><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Powy\u017cej 80m2<\/td><td class=\"column-2\">45 z\u0142 za miesi\u0105c<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td><td class=\"column-5\"><\/td><td class=\"column-6\"><\/td><td class=\"column-7\"><\/td><td class=\"column-8\"><\/td><td class=\"column-9\"><\/td><td class=\"column-10\"><\/td><td class=\"column-11\"><\/td><td class=\"column-12\"><\/td><td class=\"column-13\"><\/td><td class=\"column-14\"><\/td><td class=\"column-15\"><\/td><td class=\"column-16\"><\/td><td class=\"column-17\"><\/td><td class=\"column-18\"><\/td><td class=\"column-19\"><\/td><td class=\"column-20\"><\/td><td class=\"column-21\"><\/td><td class=\"column-22\"><\/td><td class=\"column-23\"><\/td><td class=\"column-24\"><\/td><td class=\"column-25\"><\/td><td class=\"column-26\"><\/td><td class=\"column-27\"><\/td><td class=\"column-28\"><\/td><td class=\"column-29\"><\/td><td class=\"column-30\"><\/td><td class=\"column-31\"><\/td><td class=\"column-32\"><\/td><td class=\"column-33\"><\/td><td class=\"column-34\"><\/td><td class=\"column-35\"><\/td><td class=\"column-36\"><\/td><td class=\"column-37\"><\/td><td class=\"column-38\"><\/td><td class=\"column-39\"><\/td><td class=\"column-40\"><\/td><td class=\"column-41\"><\/td><td class=\"column-42\"><\/td><td class=\"column-43\"><\/td><td class=\"column-44\"><\/td><td class=\"column-45\"><\/td><td class=\"column-46\"><\/td><td class=\"column-47\"><\/td><td class=\"column-48\"><\/td><td class=\"column-49\"><\/td><td class=\"column-50\"><\/td><td class=\"column-51\"><\/td><td class=\"column-52\"><\/td><td class=\"column-53\"><\/td><td class=\"column-54\"><\/td><td class=\"column-55\"><\/td><td class=\"column-56\"><\/td><td class=\"column-57\"><\/td><td class=\"column-58\"><\/td><td class=\"column-59\"><\/td><td class=\"column-60\"><\/td><td class=\"column-61\"><\/td><td class=\"column-62\"><\/td><td class=\"column-63\"><\/td><td class=\"column-64\"><\/td><td class=\"column-65\"><\/td><td class=\"column-66\"><\/td><td class=\"column-67\"><\/td><td class=\"column-68\"><\/td><td class=\"column-69\"><\/td><td class=\"column-70\"><\/td><td class=\"column-71\"><\/td><td class=\"column-72\"><\/td><td class=\"column-73\"><\/td><td class=\"column-74\"><\/td><td class=\"column-75\"><\/td><td class=\"column-76\"><\/td><td class=\"column-77\"><\/td><td class=\"column-78\"><\/td><td class=\"column-79\"><\/td><td class=\"column-80\"><\/td><td class=\"column-81\"><\/td><td class=\"column-82\"><\/td><td class=\"column-83\"><\/td><td class=\"column-84\"><\/td><td class=\"column-85\"><\/td><td class=\"column-86\"><\/td><td class=\"column-87\"><\/td><td class=\"column-88\"><\/td><td class=\"column-89\"><\/td><td class=\"column-90\"><\/td><td class=\"column-91\"><\/td><td class=\"column-92\"><\/td><td class=\"column-93\"><\/td><td class=\"column-94\"><\/td><td class=\"column-95\"><\/td><td class=\"column-96\"><\/td><td class=\"column-97\"><\/td><td class=\"column-98\"><\/td><td class=\"column-99\"><\/td><td class=\"column-100\"><\/td><td class=\"column-101\"><\/td><td class=\"column-102\"><\/td><td class=\"column-103\"><\/td><td class=\"column-104\"><\/td><td class=\"column-105\"><\/td><td class=\"column-106\"><\/td><td class=\"column-107\"><\/td><td class=\"column-108\"><\/td><td class=\"column-109\"><\/td><td class=\"column-110\"><\/td><td class=\"column-111\"><\/td><td class=\"column-112\"><\/td><td class=\"column-113\"><\/td><td class=\"column-114\"><\/td><td class=\"column-115\"><\/td><td class=\"column-116\"><\/td><td class=\"column-117\"><\/td><td class=\"column-118\"><\/td><td class=\"column-119\"><\/td><td class=\"column-120\"><\/td><td class=\"column-121\"><\/td><td class=\"column-122\"><\/td><td class=\"column-123\"><\/td><td class=\"column-124\"><\/td><td class=\"column-125\"><\/td><td class=\"column-126\"><\/td><td class=\"column-127\"><\/td><td class=\"column-128\"><\/td><td class=\"column-129\"><\/td><td class=\"column-130\"><\/td><td class=\"column-131\"><\/td><td class=\"column-132\"><\/td><td class=\"column-133\"><\/td><td class=\"column-134\"><\/td><td class=\"column-135\"><\/td><td class=\"column-136\"><\/td><td class=\"column-137\"><\/td><td class=\"column-138\"><\/td><td class=\"column-139\"><\/td><td class=\"column-140\"><\/td><td class=\"column-141\"><\/td><td class=\"column-142\"><\/td><td class=\"column-143\"><\/td><td class=\"column-144\"><\/td><td class=\"column-145\"><\/td><td class=\"column-146\"><\/td><td class=\"column-147\"><\/td><td class=\"column-148\"><\/td><td class=\"column-149\"><\/td><td class=\"column-150\"><\/td><td class=\"column-151\"><\/td><td class=\"column-152\"><\/td><td class=\"column-153\"><\/td><td class=\"column-154\"><\/td><td class=\"column-155\"><\/td><td class=\"column-156\"><\/td><td class=\"column-157\"><\/td><td class=\"column-158\"><\/td><td class=\"column-159\"><\/td><td class=\"column-160\"><\/td><td class=\"column-161\"><\/td><td class=\"column-162\"><\/td><td class=\"column-163\"><\/td><td class=\"column-164\"><\/td><td class=\"column-165\"><\/td><td class=\"column-166\"><\/td><td class=\"column-167\"><\/td><td class=\"column-168\"><\/td><td class=\"column-169\"><\/td><td class=\"column-170\"><\/td><td class=\"column-171\"><\/td><td class=\"column-172\"><\/td><td class=\"column-173\"><\/td><td class=\"column-174\"><\/td><td class=\"column-175\"><\/td><td class=\"column-176\"><\/td><td class=\"column-177\"><\/td><td class=\"column-178\"><\/td><td class=\"column-179\"><\/td><td class=\"column-180\"><\/td><td class=\"column-181\"><\/td><td class=\"column-182\"><\/td><td class=\"column-183\"><\/td><td class=\"column-184\"><\/td><td class=\"column-185\"><\/td><td class=\"column-186\"><\/td><td class=\"column-187\"><\/td><td class=\"column-188\"><\/td><td class=\"column-189\"><\/td><td class=\"column-190\"><\/td><td class=\"column-191\"><\/td><td class=\"column-192\"><\/td><td class=\"column-193\"><\/td><td class=\"column-194\"><\/td><td class=\"column-195\"><\/td><td class=\"column-196\"><\/td><td class=\"column-197\"><\/td><td class=\"column-198\"><\/td><td class=\"column-199\"><\/td><td class=\"column-200\"><\/td><td class=\"column-201\"><\/td><td class=\"column-202\"><\/td><td class=\"column-203\"><\/td><td class=\"column-204\"><\/td><td class=\"column-205\"><\/td><td class=\"column-206\"><\/td><td class=\"column-207\"><\/td><td class=\"column-208\"><\/td><td class=\"column-209\"><\/td><td class=\"column-210\"><\/td><td class=\"column-211\"><\/td><td class=\"column-212\"><\/td><td class=\"column-213\"><\/td><td class=\"column-214\"><\/td><td class=\"column-215\"><\/td><td class=\"column-216\"><\/td><td class=\"column-217\"><\/td><td class=\"column-218\"><\/td><td class=\"column-219\"><\/td><td class=\"column-220\"><\/td><td class=\"column-221\"><\/td><td class=\"column-222\"><\/td><td class=\"column-223\"><\/td><td class=\"column-224\"><\/td><td class=\"column-225\"><\/td><td class=\"column-226\"><\/td><td class=\"column-227\"><\/td><td class=\"column-228\"><\/td><td class=\"column-229\"><\/td><td class=\"column-230\"><\/td><td class=\"column-231\"><\/td><td class=\"column-232\"><\/td><td class=\"column-233\"><\/td><td class=\"column-234\"><\/td><td class=\"column-235\"><\/td><td class=\"column-236\"><\/td><td class=\"column-237\"><\/td><td class=\"column-238\"><\/td><td class=\"column-239\"><\/td><td class=\"column-240\"><\/td><td class=\"column-241\"><\/td><td class=\"column-242\"><\/td><td class=\"column-243\"><\/td><td class=\"column-244\"><\/td><td class=\"column-245\"><\/td><td class=\"column-246\"><\/td><td class=\"column-247\"><\/td><td class=\"column-248\"><\/td><td class=\"column-249\"><\/td><td class=\"column-250\"><\/td><td class=\"column-251\"><\/td><td class=\"column-252\"><\/td><td class=\"column-253\"><\/td><td class=\"column-254\"><\/td><td class=\"column-255\"><\/td><td class=\"column-256\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n\r\n\r\n\r\n<div class=\"text-center middle-cta-box cash-box dark\"><div id=\"app__calculator-widget-content\"><\/div><\/div><h2 class=\"wp-block-heading\" id=\"jak-samodzielnie-obliczyc-odsetki-od-pozyczki-wzor\">Jak samodzielnie obliczy\u0107 odsetki od po\u017cyczki? Wz\u00f3r<\/h2>\r\n\r\n\r\n\r\n<p>Samodzielnie wysoko\u015b\u0107 odsetek od po\u017cyczki mo\u017cna obliczy\u0107 wed\u0142ug poni\u017cszego wzoru:<\/p>\r\n\r\n\r\n\r\n<p>Kwota po\u017cyczki x oprocentowanie \/ 365 (dni w roku) x okres sp\u0142aty po\u017cyczki<\/p>\r\n\r\n\r\n\r\n<p><strong>Przyk\u0142ad:<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Kwota po\u017cyczki \u2013 1.000 z\u0142<\/p>\r\n\r\n\r\n\r\n<p>Oprocentowanie \u2013 7,20% w skali roku<\/p>\r\n\r\n\r\n\r\n<p>Okres sp\u0142aty \u2013 30 dni<\/p>\r\n\r\n\r\n\r\n<p>1.000 x 7,2% \/ 365 x 30 = 5,92 z\u0142<\/p>\r\n\r\n\r\n\r\n<p>Wysoko\u015b\u0107 odsetek w przypadku po\u017cyczki kr\u00f3tkoterminowej nie b\u0119dzie wysoka, w szczeg\u00f3lno\u015bci przy niskiej kwocie g\u0142\u00f3wnej. Wi\u0119ksze obci\u0105\u017cenie stanowi\u0105 zwykle koszty pozaodsetkowe \u2013 g\u0142\u00f3wnie prowizja.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"jak-zmniejszyc-wysokosc-odsetek\">Jak zmniejszy\u0107 wysoko\u015b\u0107 odsetek?<\/h2>\r\n\r\n\r\n\r\n<p>Rozwi\u0105za\u0144 jest kilka. Koszty mo\u017cna zwykle negocjowa\u0107, w szczeg\u00f3lno\u015bci je\u015bli sprawa dotyczy finansowania d\u0142ugoterminowego. Lepsza zdolno\u015b\u0107 kredytowa to wi\u0119ksze pole do negocjacji \u2013 z uwagi na mniejsze ryzyko podmiotu finansuj\u0105cego. W przypadku po\u017cyczki bankowej czasem na obni\u017cenie koszt\u00f3w ma wp\u0142yw korzystanie z produkt\u00f3w dodatkowych, takich jak: otwarcie konta bankowego, karta kredytowa czy ubezpieczenie sp\u0142aty kredytu. Jednak zawsze warto sprawdzi\u0107 czy proponowane rozwi\u0105zanie faktycznie pozwoli realnie obni\u017cy\u0107 koszty finansowania. Mo\u017ce si\u0119 bowiem okaza\u0107, \u017ce pomimo ni\u017cszej prowizji czy odsetek trzeba zap\u0142aci\u0107 wi\u0119cej, np. z tytu\u0142u sk\u0142adki ubezpieczeniowej.<\/p>\r\n\r\n\r\n\r\n<p>Szukaj\u0105c po\u017cyczki w firmach pozabankowych warto zwr\u00f3ci\u0107 uwag\u0119 na darmowe chwil\u00f3wki. To rozwi\u0105zania jest kierowane do klient\u00f3w korzystaj\u0105cych po raz pierwszy z oferty danej firmy. Brak odsetek i prowizji wi\u0105\u017ce si\u0119 ze spe\u0142nieniem dodatkowego warunku, jakim jest sp\u0142ata zobowi\u0105zania w terminie okre\u015blonym w umowie bez \u017cadnych op\u00f3\u017anie\u0144.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"oferty-pozyczek-z-niskimi-odsetkami-i-oprocentowaniem\"><strong>Oferty po\u017cyczek z niskimi odsetkami i oprocentowaniem<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>W\u015br\u00f3d dost\u0119pnych na rynku ofert mo\u017cna znale\u017a\u0107 r\u00f3wnie\u017c takie, kt\u00f3re nie wi\u0105\u017c\u0105 si\u0119 z konieczno\u015bci\u0105 poniesienia dodatkowych koszt\u00f3w. Chwil\u00f3wk\u0119 za darmo oferuje m.in.:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"pozyczka-plus\">Po\u017cyczka Plus<\/h3>\r\n\r\n\r\n\r\n<p>Oferuje darmow\u0119 pierwsz\u0105 po\u017cyczk\u0119 w kwocie do 2.000 z\u0142 z okresem sp\u0142aty 30 dni. Warunkiem zwolnienia z koszt\u00f3w jest terminowa sp\u0142ata po\u017cyczonej kwoty. Pozosta\u0142e wymagania do uzyskania chwil\u00f3wki to:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>indywidualne konto bankowe<\/li>\r\n<li>wiek: od 19 do 73 lat<\/li>\r\n<li>brak wpisu w bazach d\u0142u\u017cnik\u00f3w<\/li>\r\n<li>adres e-mail<\/li>\r\n<li>polskie obywatelstwo<\/li>\r\n<li>adres zamieszkania na terenie kraju<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Osoby, kt\u00f3re chc\u0105 po\u017cyczy\u0107 wy\u017csz\u0105 kwot\u0119 \u2013 nawet do 15.000 z\u0142 z okresem sp\u0142aty do 45 dni, musz\u0105 liczy\u0107 si\u0119 z dodatkowymi kosztami: prowizj\u0105 i odsetkami.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"gotowka-nonstop\">Got\u00f3wka nonstop<\/h3>\r\n\r\n\r\n\r\n<p>Firma oferuje darmow\u0105 po\u017cyczk\u0119 dla os\u00f3b, kt\u00f3re korzystaj\u0105 z oferty po raz pierwszy. Chwil\u00f3wk\u0119 bez odsetek i prowizji mo\u017cna otrzyma\u0107 w kwocie 500 z\u0142 na 30 dni. Warunkiem zwolnienia z koszt\u00f3w jest zwrot kwoty w terminie przewidzianym umow\u0105. Pozosta\u0142e warunki to:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>uko\u0144czone co najmniej 18 lat \u2013 bez g\u00f3rnej granicy wieku<\/li>\r\n<li>sta\u0142y doch\u00f3d<\/li>\r\n<li>w\u0142asne konto bankowe<\/li>\r\n<li>polskie obywatelstwo<\/li>\r\n<li>adres zamieszkania na terenie kraju<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Dzi\u0119ki Got\u00f3wce nonstop mo\u017cna po\u017cyczy\u0107 do 3.000 z\u0142 na 30 dni \u2013 kwota wy\u017csza ni\u017c 500 z\u0142 wi\u0105\u017ce si\u0119 z konieczno\u015bci\u0105 poniesienia dodatkowych koszt\u00f3w.<\/p>\r\n\r\n\r\n\r\n<p>Po\u017cyczk\u0119 na raty z niskimi odsetkami i oprocentowaniem oferuj\u0105 m.in.:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"hapi-pozyczki\">Hapi po\u017cyczki<\/h3>\r\n\r\n\r\n\r\n<p>Oferuje po\u017cyczki na raty online do 10.000 z\u0142 z okresem sp\u0142aty roz\u0142o\u017conym od 6 do 24 miesi\u0119cy. Do uzyskania finansowania wymagane jest:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>wiek: co najmniej 18 lat<\/li>\r\n<li>posiadanie zdolno\u015bci kredytowej<\/li>\r\n<li>dow\u00f3d osobisty<\/li>\r\n<li>indywidualne konto bankowe<\/li>\r\n<li>polskie obywatelstwo<\/li>\r\n<li>sta\u0142e dochody<\/li>\r\n<li>adres zamieszkania na terenie kraju<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Koszty po\u017cyczki:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>oprocentowanie sta\u0142e:\u00a0 7,20% w skali roku<\/li>\r\n<li>prowizja z tytu\u0142u udzielenia po\u017cyczki<\/li>\r\n<li>op\u0142ata z us\u0142ug\u0119 hapiserwis<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"wonga\">Wonga<\/h3>\r\n\r\n\r\n\r\n<p>Posiada w swojej ofercie po\u017cyczki na raty udzielane do kwoty 20.000 z\u0142 z okresem sp\u0142aty do 48 miesi\u0119cy. Wymagania, kt\u00f3re trzeba spe\u0142ni\u0107, aby otrzyma\u0107 finansowanie to:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>dow\u00f3d osobisty<\/li>\r\n<li>indywidualne konto bankowe<\/li>\r\n<li>adres email<\/li>\r\n<li>telefon kom\u00f3rkowy<\/li>\r\n<li>polskie obywatelstwo<\/li>\r\n<li>adres zamieszkania na terenie kraju<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Koszty po\u017cyczki:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>oprocentowanie zmienne: 7,20% w skali roku<\/li>\r\n<li>prowizja z tytu\u0142u udzielenia po\u017cyczki<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">Podsumowanie<\/h2>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\" type=\"1\">\r\n<li>Maksymalna wysoko\u015b\u0107 odsetek z tytu\u0142u udzielonej po\u017cyczki jest regulowana ustawowo. Aktualnie oprocentowanie po\u017cyczki nie mo\u017ce przekroczy\u0107 7,20% w skali roku.<\/li>\r\n<li>Wp\u0142yw na wysoko\u015b\u0107 odsetek ma warto\u015b\u0107 po\u017cyczonego kapita\u0142u\u00a0 i okres sp\u0142aty zobowi\u0105zania. Wysoka po\u017cyczka i d\u0142ugi okres sp\u0142aty oznacza, \u017ce naliczone odsetki b\u0119d\u0105 wy\u017csze.<\/li>\r\n<li>Je\u015bli w umowie po\u017cyczki warto\u015b\u0107 odsetek nie zosta\u0142a w inny spos\u00f3b okre\u015blona, to po\u017cyczkodawcy nale\u017c\u0105 si\u0119 odsetki ustawowe, kt\u00f3re aktualnie wynosz\u0105 3,60% w skali roku.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<p>\u00a0<\/p>","protected":false},"excerpt":{"rendered":"<p>Odsetki to obok prowizji najcz\u0119stszy koszt, kt\u00f3ry musi ponie\u015b\u0107 po\u017cyczkobiorca w zwi\u0105zku z uzyskanym finansowaniem. Wiedza jak je obliczy\u0107, pomaga [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":8889,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[243,3],"tags":[],"class_list":["post-8888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-madre-pozyczanie","category-poradniki"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Odsetki od po\u017cyczki. 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