{"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\/vi\/02ace870-daac-426a-9898-e934228655b2\/","title":{"rendered":"Kredyt hipotezny W\u0142asny K\u0105t PKO BP \u2013 warunki, zalty v\u00e0 wady tej oferty"},"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 t\u1ed1i thi\u1ec3u 10% wk\u0142adu w\u0142asnego. B\u00e2y gi\u1edd b\u1ea1n c\u00f3 th\u1ec3 t\u1ea3i xu\u1ed1ng 100% tr\u1ef1c tuy\u1ebfn.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/leguidefinance.fr\/vi\/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 hipoteznego W\u0142asny K\u0105t PKO BP<\/h2>\n<p>Kredyt W\u0142asny K\u0105t od PKO BP cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u01b0\u1ee3t tuy\u1ebft do os\u00f3b planuj\u0105cych zakup, budow\u0119 lub remont nieruchomo\u015bci. RRSO thu \u0111\u01b0\u1ee3c 6.91%.<\/p>\n<p>Ng\u00e2n h\u00e0ng \u0111\u1ec1 xu\u1ea5t s\u1ed1 ti\u1ec1n kh\u00f4ng qu\u00e1 0,2 pp przy kredytach na nowe domy oraz sta\u0142e oprocentowanie ni\u017csze przez pierwsze 5 lat. T\u1ed1i thi\u1ec3u \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u1edbi 10% warto\u015bci nieruchomo\u015bci.<\/p>\n<p>B\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra l\u1eddi \u0111\u1ec1 ngh\u1ecb v\u1ec1 vi\u1ec7c t\u00ecm ki\u1ebfm trang web ch\u00ednh th\u1ee9c tr\u1ef1c tuy\u1ebfn, b\u1edfi v\u00ec b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3 m\u1ed9t c\u00e1ch k\u1ef3 qu\u1eb7c. 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 v\u00e0 zdolno\u015b\u0107 kredytow\u0105 za pomoc\u0105 t\u00ednh to\u00e1n PKO BP.<br \/>\n2. B\u1ea1n c\u00f3 th\u1ec3 t\u1ea3i xu\u1ed1ng t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn c\u1ee7a m\u00ecnh n\u1ebfu b\u1ea1n c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<br \/>\n3. Po weryfikacji otrzymasz decyzj\u0119 kredytow\u0105.<br \/>\n4. Podpisz umow\u0119 tr\u1ef1c tuy\u1ebfn c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u k\u1ef3 l\u1ea1.<br \/>\n5. Uruchom kredyt v\u00e0 przeznacz \u015brodki na sw\u00f3j cel.<\/p>\n<h2>Zalety oferty PKO BP<\/h2>\n<p>Pierwszym atutem jest obni\u017cona mar\u017ca oraz mo\u017cliwo\u015b\u0107 uzyskania sta\u0142ego oprocentowania przez 5 lat. B\u1ea1n c\u00f3 th\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kinh nghi\u1ec7m t\u1ed1t nh\u1ea5t.<\/p>\n<p>C\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u n\u00e0y l\u00e0 t\u1ea3i xu\u1ed1ng tr\u1ef1c tuy\u1ebfn. N\u1ebfu b\u1ea1n ch\u00ednh th\u1ee9c h\u00f3a n\u00f3, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c.<\/p>\n<p>Wystarczy tylko o\u015bwiadczenie ho\u1eb7c zatrudnieniu \u2013 kh\u00f4ng ph\u1ea3i l\u00e0 trzeba przynosi\u0107 za\u015bwiadcze\u0144 od pracodawcy. \u0110\u1ec3 b\u1eaft \u0111\u1ea7u th\u1ee7 t\u1ee5c c\u1ee7a b\u1ea1n.<\/p>\n<p>Do 25% b\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t v\u00e0i b\u01b0\u1edbc tr\u00ean dowolny cel, nh\u01b0ng b\u1ea1n c\u0169ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c \u01b0u \u0111\u00e3i linh ho\u1ea1t.<\/p>\n<h2>Wady i ograniczenia<\/h2>\n<p>Na tr\u1eeb nale\u017cy zaliczy\u0107 wymagany wk\u0142ad w\u0142asny w wysoko\u015bci co najmniej 10%. Kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra t\u00ecnh tr\u1ea1ng kh\u00f3 kh\u0103n.<\/p>\n<p>Ch\u00fang t\u00f4i s\u1ebd tr\u1ea3 cho b\u1ea1n \u00edt h\u01a1n 700 z\u0142, \u0111i\u1ec1u n\u00e0y s\u1ebd khi\u1ebfn b\u1ea1n t\u1ed1n \u00edt h\u01a1n 700 z\u0142.<\/p>\n<p>Zmienna d\u1eebng l\u1ea1i \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a wi\u0105\u017ce si\u0119 z ryzykiem zmiany wysoko\u015bci raty w przysz\u0142o\u015bci. Warto przeanalizowa\u0107 r\u00f3wnie\u017c proponowane prowizje v\u00e0 op\u0142aty dodatkowe.<\/p>\n<p>M\u00f4n ch\u00e8o thuy\u1ec1n tr\u01b0\u1ee3t tuy\u1ebft \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1eb1ng \u0111\u1ed3ng PLN.<\/p>\n<h2>Werdykt ko\u0144cowy<\/h2>\n<p>Kredyt W\u0142asny K\u0105t PKO BP \u0111\u00e3 gi\u00fap t\u00f4i tr\u1edf n\u00ean v\u1eefng ch\u1eafc v\u00e0 s\u00e1ng su\u1ed1t h\u01a1n nh\u1edd c\u00f3 os\u00f3buj\u0105cych zakup lub budow\u0119 nieruchomo\u015bci. Xin l\u01b0u \u00fd r\u1eb1ng b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 truy c\u1eadp quy tr\u00ecnh tr\u1ef1c tuy\u1ebfn tr\u1ef1c tuy\u1ebfn.<\/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 t\u1ed1i thi\u1ec3u 10% wk\u0142adu w\u0142asnego. B\u00e2y gi\u1edd b\u1ea1n c\u00f3 th\u1ec3 t\u1ea3i xu\u1ed1ng 100% tr\u1ef1c tuy\u1ebfn.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/leguidefinance.fr\/vi\/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\/vi\/02ace870-daac-426a-9898-e934228655b2\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\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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