{"id":3326,"date":"2023-04-23T19:40:34","date_gmt":"2023-04-23T19:40:34","guid":{"rendered":"https:\/\/portalhj.com\/?p=3326"},"modified":"2023-04-14T19:42:33","modified_gmt":"2023-04-14T19:42:33","slug":"co-to-jest-kredyt-konsygnacyjny-i-jak-dziala","status":"publish","type":"post","link":"https:\/\/portalhj.com\/pl\/co-to-jest-kredyt-konsygnacyjny-i-jak-dziala\/","title":{"rendered":"Czym s\u0105 po\u017cyczki got\u00f3wkowe i jak dzia\u0142aj\u0105?"},"content":{"rendered":"

O po\u017cyczki na p\u0142ace<\/strong> to opcja po\u017cyczki, kt\u00f3ra w ostatnich latach cieszy si\u0119 coraz wi\u0119ksz\u0105 popularno\u015bci\u0105.<\/p>\n

Je\u015bli szukasz informacji na temat dzia\u0142ania tego rodzaju kredytu, ten artyku\u0142 jest dla Ciebie!<\/p>\n

Tutaj wyja\u015bnimy wszystko, co musisz wiedzie\u0107 po\u017cyczki na p\u0142ace<\/strong>, od tego, co to jest, do tego, jak o to poprosi\u0107. Wi\u0119c chod\u017amy!<\/p>\n

Co to jest kredyt p\u0142acowy?<\/h2>\n

O po\u017cyczki na p\u0142ace<\/strong> to rodzaj po\u017cyczki, w kt\u00f3rej raty potr\u0105cane s\u0105 bezpo\u015brednio z wynagrodzenia lub \u015bwiadczenia wnioskodawcy.<\/p>\n

Innymi s\u0142owy, ka\u017cdy, kto zaci\u0105gnie ten rodzaj kredytu, ma automatyczne potr\u0105cenie z wynagrodzenia, bez konieczno\u015bci martwienia si\u0119 o p\u0142acenie rachunk\u00f3w czy dokonywanie przelew\u00f3w bankowych.<\/p>\n

O po\u017cyczki na p\u0142ace<\/strong> Jest bardzo poszukiwany przez osoby, kt\u00f3re potrzebuj\u0105 szybko pieni\u0119dzy, poniewa\u017c jest to jeden z naj\u0142atwiejszych do zatwierdzenia rodzaj\u00f3w kredytu.<\/p>\n

Ponadto stopy procentowe po\u017cyczki na p\u0142ace<\/strong> S\u0105 one zazwyczaj ni\u017csze ni\u017c w przypadku innych rodzaj\u00f3w kredyt\u00f3w, co sprawia, \u017ce jest to opcja korzystniejsza pod wzgl\u0119dem finansowym.<\/p>\n

Jak dzia\u0142a kredyt p\u0142acowy?<\/h2>\n

Aby poprosi\u0107 o po\u017cyczki na p\u0142ace<\/strong>, musisz mie\u0107 aktywn\u0105 umow\u0119 o prac\u0119 lub otrzymywa\u0107 \u015bwiadczenia INSS.<\/p>\n

Maksymalna warto\u015b\u0107 rat, kt\u00f3re mo\u017cna potr\u0105ci\u0107 z wynagrodzenia lub \u015bwiadcze\u0144 wynosi 35% z \u0142\u0105cznej kwoty, z czego 30% przeznaczone jest na po\u017cyczki, a 5% na karty kredytowe.<\/p>\n

Jedn\u0105 z g\u0142\u00f3wnych zalet po\u017cyczki na p\u0142ace<\/strong> jest to, \u017ce jest to opcja po\u017cyczki zabezpieczonej, co oznacza, \u017ce ryzyko niewykonania zobowi\u0105zania jest ni\u017csze ni\u017c w przypadku innych rodzaj\u00f3w po\u017cyczek.<\/p>\n

Poniewa\u017c raty s\u0105 potr\u0105cane bezpo\u015brednio z wynagrodzenia lub \u015bwiadczenia, ryzyko niep\u0142acenia rat przez wnioskodawc\u0119 jest mniejsze, co oznacza ni\u017csze oprocentowanie.<\/p>\n

Jak ubiega\u0107 si\u0119 o po\u017cyczki na wyp\u0142aty?<\/h2>\n

Aby poprosi\u0107 o po\u017cyczki na p\u0142ace<\/strong>, nale\u017cy poszuka\u0107 banku lub instytucji finansowej oferuj\u0105cej tego typu kredyt.<\/p>\n

Przed zatrudnieniem po\u017cyczki na p\u0142ace<\/strong>, wa\u017cne jest, aby sprawdzi\u0107 stopy procentowe i warunki p\u0142atno\u015bci oferowane przez instytucj\u0119 finansow\u0105, aby mie\u0107 pewno\u015b\u0107, \u017ce otrzymujesz dobr\u0105 ofert\u0119.<\/p>\n

Aby zatrudni\u0107 po\u017cyczki na p\u0142ace<\/strong>, konieczne jest przedstawienie niekt\u00f3rych dokument\u00f3w, takich jak dow\u00f3d zamieszkania, dow\u00f3d dochod\u00f3w oraz dokument to\u017csamo\u015bci.<\/p>\n

Ponadto wnioskodawca musi tak\u017ce poinformowa\u0107 o \u017c\u0105danej kwocie oraz terminie p\u0142atno\u015bci rat.<\/p>\n

Wniosek<\/h2>\n

O po\u017cyczki na p\u0142ace<\/strong> Jest to bardzo korzystna pod wzgl\u0119dem finansowym opcja po\u017cyczki, zw\u0142aszcza dla os\u00f3b, kt\u00f3re szybko potrzebuj\u0105 pieni\u0119dzy.<\/p>\n

Nale\u017cy jednak pami\u0119ta\u0107, \u017ce z tego rodzaju kredytu trzeba korzysta\u0107 odpowiedzialnie, aby w przysz\u0142o\u015bci unikn\u0105\u0107 problem\u00f3w finansowych.<\/p>\n

Je\u015bli zastanawiasz si\u0119 nad z\u0142o\u017ceniem wniosku o po\u017cyczki na p\u0142ace<\/strong>, zalecamy wcze\u015bniejsze rozeznanie w celu znalezienia instytucji finansowej oferuj\u0105cej najlepsze warunki p\u0142atno\u015bci i stopy procentowe.<\/p>\n

I pami\u0119taj: zanim z\u0142o\u017cysz wniosek o jakikolwiek rodzaj po\u017cyczki, wa\u017cne jest, aby oceni\u0107 swoje potrzeby i dobrze zaplanowa\u0107 finanse, aby mie\u0107 pewno\u015b\u0107, \u017ce b\u0119dziesz w stanie sp\u0142aca\u0107 raty bez uszczerbku dla miesi\u0119cznego bud\u017cetu.<\/p>","protected":false},"excerpt":{"rendered":"

O cr\u00e9dito consignado \u00e9 uma op\u00e7\u00e3o de empr\u00e9stimo que tem ganhado cada vez mais popularidade nos \u00faltimos anos. Se voc\u00ea est\u00e1 buscando informa\u00e7\u00f5es sobre como funciona esse tipo de cr\u00e9dito, este artigo \u00e9 para voc\u00ea! Aqui vamos explicar tudo o que voc\u00ea precisa saber sobre o cr\u00e9dito consignado, desde o que \u00e9 at\u00e9 como solicitar. […]<\/p>","protected":false},"author":1,"featured_media":3327,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":{"0":"post-3326","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-dicas"},"yoast_head":"\nO que e\u0301 o cre\u0301dito consignado e como funciona? - Portal<\/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:\/\/portalhj.com\/pl\/co-to-jest-kredyt-konsygnacyjny-i-jak-dziala\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que e\u0301 o cre\u0301dito consignado e como funciona? - Portal\" \/>\n<meta property=\"og:description\" content=\"O cr\u00e9dito consignado \u00e9 uma op\u00e7\u00e3o de empr\u00e9stimo que tem ganhado cada vez mais popularidade nos \u00faltimos anos. Se voc\u00ea est\u00e1 buscando informa\u00e7\u00f5es sobre como funciona esse tipo de cr\u00e9dito, este artigo \u00e9 para voc\u00ea! Aqui vamos explicar tudo o que voc\u00ea precisa saber sobre o cr\u00e9dito consignado, desde o que \u00e9 at\u00e9 como solicitar. […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/portalhj.com\/pl\/co-to-jest-kredyt-konsygnacyjny-i-jak-dziala\/\" \/>\n<meta property=\"og:site_name\" content=\"Portal\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-23T19:40:34+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/\",\"url\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/\",\"name\":\"O que e\u0301 o cre\u0301dito consignado e como funciona? - Portal\",\"isPartOf\":{\"@id\":\"https:\/\/portalhj.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg\",\"datePublished\":\"2023-04-23T19:40:34+00:00\",\"author\":{\"@id\":\"https:\/\/portalhj.com\/#\/schema\/person\/688f0bf05dd44d23305307afa815f2eb\"},\"breadcrumb\":{\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage\",\"url\":\"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg\",\"contentUrl\":\"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg\",\"width\":700,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\/\/portalhj.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"O que e\u0301 o cre\u0301dito consignado e como funciona?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/portalhj.com\/#website\",\"url\":\"https:\/\/portalhj.com\/\",\"name\":\"Portal\",\"description\":\"Portal Informa\u00e7\u00e3o!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/portalhj.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/portalhj.com\/#\/schema\/person\/688f0bf05dd44d23305307afa815f2eb\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/portalhj.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/533201c2ed67d995e1fbafd12138225f431128633478ee8d92755801f6ffeba8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/533201c2ed67d995e1fbafd12138225f431128633478ee8d92755801f6ffeba8?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/portalhj.com\"],\"url\":\"https:\/\/portalhj.com\/pl\/author\/admin_hmtlo55h\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Czym s\u0105 po\u017cyczki got\u00f3wkowe i jak dzia\u0142aj\u0105? - Portalu","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/portalhj.com\/pl\/co-to-jest-kredyt-konsygnacyjny-i-jak-dziala\/","og_locale":"pl_PL","og_type":"article","og_title":"O que e\u0301 o cre\u0301dito consignado e como funciona? - Portal","og_description":"O cr\u00e9dito consignado \u00e9 uma op\u00e7\u00e3o de empr\u00e9stimo que tem ganhado cada vez mais popularidade nos \u00faltimos anos. Se voc\u00ea est\u00e1 buscando informa\u00e7\u00f5es sobre como funciona esse tipo de cr\u00e9dito, este artigo \u00e9 para voc\u00ea! Aqui vamos explicar tudo o que voc\u00ea precisa saber sobre o cr\u00e9dito consignado, desde o que \u00e9 at\u00e9 como solicitar. […]","og_url":"https:\/\/portalhj.com\/pl\/co-to-jest-kredyt-konsygnacyjny-i-jak-dziala\/","og_site_name":"Portal","article_published_time":"2023-04-23T19:40:34+00:00","og_image":[{"width":700,"height":400,"url":"http:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Napisane przez":"admin","Szacowany czas czytania":"3 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/","url":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/","name":"Czym s\u0105 po\u017cyczki got\u00f3wkowe i jak dzia\u0142aj\u0105? - Portalu","isPartOf":{"@id":"https:\/\/portalhj.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage"},"image":{"@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage"},"thumbnailUrl":"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg","datePublished":"2023-04-23T19:40:34+00:00","author":{"@id":"https:\/\/portalhj.com\/#\/schema\/person\/688f0bf05dd44d23305307afa815f2eb"},"breadcrumb":{"@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#primaryimage","url":"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg","contentUrl":"https:\/\/portalhj.com\/wp-content\/uploads\/2023\/04\/1.-O-que-e-o-credito-consignado-e-como-funciona.jpg","width":700,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/portalhj.com\/o-que-e-o-credito-consignado-e-como-funciona\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/portalhj.com\/"},{"@type":"ListItem","position":2,"name":"O que e\u0301 o cre\u0301dito consignado e como funciona?"}]},{"@type":"WebSite","@id":"https:\/\/portalhj.com\/#website","url":"https:\/\/portalhj.com\/","name":"Portal","description":"Portalu Informacyjnego!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/portalhj.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Person","@id":"https:\/\/portalhj.com\/#\/schema\/person\/688f0bf05dd44d23305307afa815f2eb","name":"Admin","image":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/portalhj.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/533201c2ed67d995e1fbafd12138225f431128633478ee8d92755801f6ffeba8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/533201c2ed67d995e1fbafd12138225f431128633478ee8d92755801f6ffeba8?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/portalhj.com"],"url":"https:\/\/portalhj.com\/pl\/author\/admin_hmtlo55h\/"}]}},"_links":{"self":[{"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/posts\/3326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/comments?post=3326"}],"version-history":[{"count":1,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/posts\/3326\/revisions"}],"predecessor-version":[{"id":3328,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/posts\/3326\/revisions\/3328"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/media\/3327"}],"wp:attachment":[{"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/media?parent=3326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/categories?post=3326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalhj.com\/pl\/wp-json\/wp\/v2\/tags?post=3326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}