{"id":1770,"date":"2026-02-20T00:56:00","date_gmt":"2026-02-20T00:56:00","guid":{"rendered":"https:\/\/leguidefinance.fr\/02ace870-daac-426a-9898-e934228655b2\/"},"modified":"2026-02-20T00:56:09","modified_gmt":"2026-02-20T00:56:09","slug":"02ace870-daac-426a-9898-e934228655b2","status":"publish","type":"post","link":"https:\/\/leguidefinance.fr\/es\/02ace870-daac-426a-9898-e934228655b2\/","title":{"rendered":"Kredyt hipoteczny W\u0142asny K\u0105t PKO BP \u2013 warunki, zalety i wady tej oferta"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Polecany dla Ciebie<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">PKO BP<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Kredyt hipoteczny W\u0142asny K\u0105t z mar\u017c\u0105 ni\u017csz\u0105 o 0,2 pp, oprocentowaniem sta\u0142ym przez 5 lat i m\u00ednimo 10% wk\u0142adu w\u0142asnego. Ahora puede descargar 100% en l\u00ednea.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/leguidefinance.fr\/es\/redirect\/?https:\/\/www.pkobp.pl\/klient-indywidualny\/kredyty-pozyczki\/kredyt-hipoteczny?srsltid=AfmBOor9ZinR5ovjQrHatXZaZ9_2UrcCAaFcOO-WA_QnXU6IngTX3Ee_\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Z\u0142\u00f3\u017c wniosek online<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Zostaniesz przekierowany na inn\u0105 stron\u0119<\/small>\n<\/div>\n<h2>Wprowadzenie do Kredytu hipotecznego W\u0142asny K\u0105t PKO BP<\/h2>\n<p>Kredyt W\u0142asny K\u0105t od PKO BP ofrecer\u00e1 skierowana do os\u00f3b planuj\u0105cych zakup, budow\u0119 lub remont nieruchomo\u015bci. RRSO wynosi obecnie 6,91%.<\/p>\n<p>Bank proponuje mar\u017c\u0119 ni\u017csz\u0105 o 0,2 pp przy kredytach na nowe domy oraz sta\u0142e oprocentowanie ni\u017csze przez pierwsze 5 lat. Minimalny wymagany wk\u0142ad w\u0142asny a 10% warto\u015bci nieruchomo\u015bci.<\/p>\n<p>Zalet\u0105 tej oferta y est mo\u017cliwo\u015b\u0107 za\u0142atwienia wszystkich formalno\u015bci en l\u00ednea, bez potrzeby wizyty w oddziale. Kredyt mo\u017cna roz\u0142o\u017cy\u0107 nawet na 35 lat.<\/p>\n<h2>Jak aplikowa\u0107 \u2013 krok po kroku<\/h2>\n<p>1. Oblicz swoj\u0105 rat\u0119 i zdolno\u015b\u0107 kredytow\u0105 za pomoc\u0105 calkulatora PKO BP.<br \/>\n2. Puedes descargar tu cuenta en l\u00ednea si tienes una cuenta bancaria.<br \/>\n3. Po weryfikacji otrzymasz decyzj\u0119 kredytow\u0105.<br \/>\n4. Podpisz umow\u0119 lub online podczas wizyty w oddziale.<br \/>\n5. Uruchom kredyt i przeznacz \u015brodki na sw\u00f3j cel.<\/p>\n<h2>Oferta de Zalety PKO BP<\/h2>\n<p>Pierwszym atutem jest obni\u017cona mar\u017ca oraz mo\u017cliwo\u015b\u0107 uzyskania sta\u0142ego oprocentowania przez 5 lat. Dzi\u0119ki temu klienci mog\u0105 \u0142atwiej zaplanowa\u0107 bud\u017cet.<\/p>\n<p>La mejor manera de hacerlo es descargarlo en l\u00ednea. Si lo formalizas, podr\u00e1s hacerlo.<\/p>\n<p>Wystarczy tylko o\u015bwiadczenie o zatrudnieniu \u2013 nie trzeba przynosi\u0107 za\u015bwiadcze\u0144 od pracodawcy. Para iniciar su tr\u00e1mite.<\/p>\n<p>Haz 25% y podr\u00e1s realizar algunos pasos en la celda dowolny, pero tambi\u00e9n recibir\u00e1s ofertas el\u00e1sticas.<\/p>\n<h2>Wady i ograniczenia<\/h2>\n<p>Na minus nale\u017cy zaliczy\u0107 wymagany wk\u0142ad w\u0142asny w wysoko\u015bci co najmniej 10%. No es posible disponuje tak\u0105 kwot\u0105.<\/p>\n<p>Le pagaremos menos de 700 z\u0142, lo que le costar\u00e1 menos de 700 z\u0142.<\/p>\n<p>Zmienna stopa procentowa wi\u0105\u017ce si\u0119 z ryzykiem zmiany wysoko\u015bci raty w przysz\u0142o\u015bci. Warto przeanalizowa\u0107 r\u00f3wnie\u017c proponowane prowizje i op\u0142aty dodatkowe.<\/p>\n<p>Se ofrece servicio de remo con esqu\u00eds por PLN.<\/p>\n<h2>Werdykt ko\u0144cowy<\/h2>\n<p>Kredyt W\u0142asny K\u0105t PKO BP prezentuje si\u0119 jako solidna i innowacyjna propozycja dla os\u00f3buj\u0105cych zakup lub budow\u0119 nieruchomo\u015bci. Tenga en cuenta que podr\u00e1 acceder al proceso en l\u00ednea en l\u00ednea.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Polecany dla Ciebie<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">PKO BP<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Kredyt hipoteczny W\u0142asny K\u0105t z mar\u017c\u0105 ni\u017csz\u0105 o 0,2 pp, oprocentowaniem sta\u0142ym przez 5 lat i m\u00ednimo 10% wk\u0142adu w\u0142asnego. Ahora puede descargar 100% en l\u00ednea.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/leguidefinance.fr\/es\/redirect\/?https:\/\/www.pkobp.pl\/klient-indywidualny\/kredyty-pozyczki\/kredyt-hipoteczny?srsltid=AfmBOor9ZinR5ovjQrHatXZaZ9_2UrcCAaFcOO-WA_QnXU6IngTX3Ee_\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Z\u0142\u00f3\u017c wniosek online<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Zostaniesz przekierowany na inn\u0105 stron\u0119<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Poznaj warunki kredytu hipotecznego W\u0142asny K\u0105t PKO BP: mar\u017ca ni\u017csza o 0,2 p.p., minimum 10% wk\u0142adu, online bez wychodzenia z domu. Zobacz zalety i wady oferty.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[345],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredyt hipoteczny W\u0142asny K\u0105t PKO BP \u2013 warunki, zalety i wady tej oferty - LeGuideFinance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/leguidefinance.fr\/es\/02ace870-daac-426a-9898-e934228655b2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredyt hipoteczny W\u0142asny K\u0105t PKO BP \u2013 warunki, zalety i wady tej oferty - LeGuideFinance\" \/>\n<meta property=\"og:description\" content=\"Poznaj warunki kredytu hipotecznego W\u0142asny K\u0105t PKO BP: mar\u017ca ni\u017csza o 0,2 p.p., minimum 10% wk\u0142adu, online bez wychodzenia z domu. 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He likes to observe, listen, and try to understand what is happening on the other side before putting any words on the page.For him, writing is not about impressing, but about getting closer. It is about turning thoughts into something simple, clear, and real. Every text is an ongoing conversation, created with care and honesty, with the sincere intention of touching someone, somewhere along the way.","url":"https:\/\/leguidefinance.fr\/es\/author\/bcgianni\/"}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Bruno Gianni","author_link":"https:\/\/leguidefinance.fr\/es\/author\/bcgianni\/"},"uagb_comment_info":0,"uagb_excerpt":"Poznaj warunki kredytu hipotecznego W\u0142asny K\u0105t PKO BP: mar\u017ca ni\u017csza o 0,2 p.p., minimum 10% wk\u0142adu, online bez wychodzenia z domu. Zobacz zalety i wady oferty.","_links":{"self":[{"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/posts\/1770"}],"collection":[{"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/comments?post=1770"}],"version-history":[{"count":1,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/posts\/1770\/revisions"}],"predecessor-version":[{"id":1779,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/posts\/1770\/revisions\/1779"}],"wp:attachment":[{"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/media?parent=1770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/categories?post=1770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/leguidefinance.fr\/es\/wp-json\/wp\/v2\/tags?post=1770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}