{"id":150,"date":"2026-03-18T10:03:08","date_gmt":"2026-03-18T10:03:08","guid":{"rendered":"https:\/\/kn.pomeraniandevelopment.pl\/?p=150"},"modified":"2026-03-18T10:12:37","modified_gmt":"2026-03-18T10:12:37","slug":"jak-przygotowac-sie-do-kredytu-hipotecznego-w-2026-roku","status":"publish","type":"post","link":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/2026\/03\/18\/jak-przygotowac-sie-do-kredytu-hipotecznego-w-2026-roku\/","title":{"rendered":"Jak przygotowa\u0107 si\u0119 do kredytu hipotecznego w 2026 roku?"},"content":{"rendered":"\n<p>Proces kredytowy bywa stresuj\u0105cy, ale dobre przygotowanie pozwala przej\u015b\u0107 przez niego g\u0142adko. Banki patrz\u0105 nie tylko na Twoje zarobki, ale przede wszystkim na stabilno\u015b\u0107 finansow\u0105.<\/p>\n\n\n\n<p><strong>Twoja lista kontrolna:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Zadbaj o histori\u0119 w BIK:<\/strong> Sp\u0142acaj regularnie drobne zobowi\u0105zania.<\/li>\n\n\n\n<li><strong>Uporz\u0105dkuj form\u0119 zatrudnienia:<\/strong> Banki najbardziej ceni\u0105 umowy o prac\u0119 na czas nieokre\u015blony, cho\u0107 stabilna dzia\u0142alno\u015b\u0107 gospodarcza r\u00f3wnie\u017c jest akceptowalna.<\/li>\n\n\n\n<li><strong>Zgromad\u017a wk\u0142ad w\u0142asny:<\/strong> Standardem jest 20%, cho\u0107 niekt\u00f3re programy rz\u0105dowe pozwalaj\u0105 na zakup z ni\u017cszym kapita\u0142em pocz\u0105tkowym.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Proces kredytowy bywa stresuj\u0105cy, ale dobre przygotowanie pozwala przej\u015b\u0107 przez niego g\u0142adko. Banki patrz\u0105 nie tylko na Twoje zarobki, ale przede wszystkim na stabilno\u015b\u0107 finansow\u0105. Twoja lista kontrolna:<\/p>\n","protected":false},"author":1,"featured_media":159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/posts\/150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/comments?post=150"}],"version-history":[{"count":1,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/posts\/150\/revisions"}],"predecessor-version":[{"id":151,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/posts\/150\/revisions\/151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/media\/159"}],"wp:attachment":[{"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/media?parent=150"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/categories?post=150"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kn.pomeraniandevelopment.pl\/index.php\/wp-json\/wp\/v2\/tags?post=150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}