{"id":35,"date":"2025-04-22T15:29:25","date_gmt":"2025-04-22T13:29:25","guid":{"rendered":"https:\/\/www.malyga-poznan.pl\/blog\/?p=35"},"modified":"2025-04-22T15:29:26","modified_gmt":"2025-04-22T13:29:26","slug":"doradca-kredytowy-a-posrednik-czym-sie-roznia-i-kogo-wybrac","status":"publish","type":"post","link":"https:\/\/www.malyga-poznan.pl\/blog\/doradca-kredytowy-a-posrednik-czym-sie-roznia-i-kogo-wybrac\/","title":{"rendered":"Doradca kredytowy a po\u015brednik \u2013 czym si\u0119 r\u00f3\u017cni\u0105 i kogo wybra\u0107?"},"content":{"rendered":"\n

Aby kredyt nie zak\u0142\u00f3ca\u0142 rado\u015bci z np. w\u0142asnego mieszkania i spokoju codziennych dni, trzeba go zaci\u0105gn\u0105\u0107 korzystnie. Pomagaj\u0105 w tym specjali\u015bci \u2013 po\u015brednicy, eksperci i doradcy kredytowi lub finansowi. Chocia\u017c \u015bwiadcz\u0105 oni te same lub podobne us\u0142ugi, to jednak charakter wsp\u00f3\u0142pracy z ka\u017cdym z nich jest nieco inny. Z czyjej pomocy skorzysta\u0107? Po\u015brednik kredytowy a doradca kredytowy \u2013 wyja\u015bniamy r\u00f3\u017cnice!<\/strong><\/p>\n\n\n\n

Po\u015brednik kredytowy a doradca kredytowy<\/h2>\n\n\n\n

Zar\u00f3wno po\u015brednik, jak i doradca kredytowy szacuj\u0105 zdolno\u015b\u0107 kredytow\u0105 i doradzaj\u0105, jak j\u0105 zwi\u0119kszy\u0107. Obaj specjali\u015bci prezentuj\u0105 i rekomenduj\u0105 najkorzystniejsze oferty kredyt\u00f3w. A nast\u0119pnie pomagaj\u0105 skompletowa\u0107 dokumenty oraz wype\u0142ni\u0107 i z\u0142o\u017cy\u0107 wnioski. Zakres ich us\u0142ug jest zbie\u017cny. R\u00f3\u017cnica mi\u0119dzy po\u015brednikiem a doradc\u0105 kredytowym tkwi wy\u0142\u0105cznie w ich wynagrodzeniu za prac\u0119.<\/p>\n\n\n\n

Po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim agent\/ekspert kredytowy pobieraj\u0105 wynagrodzenie od banku<\/strong>, kt\u00f3ry udzieli ich klientowi kredytu. S\u0105 wi\u0119c powi\u0105zani z jedn\u0105 lub wieloma instytucjami. Ich klienci otrzymuj\u0105 bezp\u0142atn\u0105 pomoc. Natomiast za us\u0142ugi doradcy kredytowego p\u0142aci jego klient <\/strong>\u2013 <\/strong>niezale\u017cnie od efekt\u00f3w pracy specjalisty.<\/p>\n\n\n\n

T\u0119 kwesti\u0119 reguluje prawo. Zgodnie z art. 25 ustawy o kredycie hipotecznym specjalista, kt\u00f3ry pobiera wynagrodzenie od instytucji finansowej, nie mo\u017ce si\u0119 nazywa\u0107 \u201edoradc\u0105\u201d. Nawet gdy wsp\u00f3\u0142pracuje z dziesi\u0105tkami bank\u00f3w na takich samych warunkach.<\/p>\n\n\n\n

W przypadku gdy us\u0142ugi doradcze oferowane s\u0105 konsumentowi przez po\u015brednika kredytu hipotecznego nieb\u0119d\u0105cego powi\u0105zanym po\u015brednikiem kredytu hipotecznego lub jego agenta, kt\u00f3rzy nie otrzymuj\u0105 od kredytodawcy prowizji lub innych wynagrodze\u0144 w formie pieni\u0119\u017cnej lub innej uzgodnionej formie korzy\u015bci finansowej, podmioty te mog\u0105 u\u017cywa\u0107 w nazwie oraz dla okre\u015blenia dzia\u0142alno\u015bci lub reklamy okre\u015blenia „niezale\u017cny doradca”.<\/p>\n\n\n\n

Ekspert\/doradca finansowy a kredytowy<\/h2>\n\n\n\n

Kolejno szukaj\u0105cy wsparcia w uzyskaniu kredytu hipotecznego lub got\u00f3wkowego powinien si\u0119 zastanowi\u0107, czyjej pomocy potrzebuje \u2013 doradcy\/eksperta kredytowego czy te\u017c finansowego.<\/p>\n\n\n\n

Ekspert lub doradca finansowy to okre\u015blenia szersze. Ci specjali\u015bci mog\u0105 oferowa\u0107 wy\u0142\u0105cznie po\u015brednictwo kredytowe, ale r\u00f3wnie\u017c inne us\u0142ugi \u2013 np. pomoc w uzyskaniu dofinansowania czy zarz\u0105dzaniu finansami albo doradztwo inwestycyjne. Us\u0142ugi doradcy lub eksperta kredytowego s\u0105 w\u0119\u017csze. Obejmuj\u0105 tylko zadania zwi\u0105zane z uzyskaniem finansowania<\/strong>, od symulacji oceny zdolno\u015bci kredytowej po z\u0142o\u017cenie wniosku w konkretnym banku (lub kilku bankach).<\/p>\n\n\n\n

Doradca kredytowy czy po\u015brednik\/ekspert?<\/h2>\n\n\n\n

Obaj specjali\u015bci \u015bwiadcz\u0105 taki sam zakres us\u0142ug. Obaj mog\u0105 r\u00f3wnie\u017c reprezentowa\u0107 klient\u00f3w w bankach, czyli w ich imieniu sk\u0142ada\u0107 wnioski czy prowadzi\u0107 negocjacje.<\/p>\n\n\n\n

Wiele os\u00f3b nies\u0142usznie obawia si\u0119, \u017ce po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim ekspert (agent) jest stronniczy lub ma ni\u017csze kompetencje. W rzeczywisto\u015bci:<\/p>\n\n\n

    \n
  • Zar\u00f3wno doradca, jak i po\u015brednik kredytowy maj\u0105 takie same obowi\u0105zki prawne. S\u0105 zobligowani do przedstawienia trzech ofert um\u00f3w <\/strong>(co najmniej trzech) wraz z formularzami informacyjnymi. Musz\u0105 poinformowa\u0107 klienta o kluczowych parametrach ka\u017cdej oferty, takich jak rzeczywista roczna stopa oprocentowania. S\u0105 prawnie zobowi\u0105zani zarekomendowa\u0107 klientowi t\u0119 ofert\u0119, kt\u00f3ra najlepiej odpowiada jego potrzebom i mo\u017cliwo\u015bciom. Ich prac\u0119 reguluje prawo, m.in. art. 27 ustawy o kredycie hipotecznym.<\/li>\n<\/ul>\n\n
      \n
    • Po\u015brednik kredytowy musi uzyska\u0107 zezwolenie na prowadzenie dzia\u0142alno\u015bci \u2013 zda\u0107 pa\u0144stwowy egzamin<\/strong>, spe\u0142ni\u0107 stosowne warunki i dokona\u0107 wpisu do rejestru po\u015brednik\u00f3w kredytowych Komisji Nadzoru Finansowego (KNF). Do tego rejestru ma obowi\u0105zek w\u0142\u0105czy\u0107 r\u00f3wnie\u017c ka\u017cdego swojego agenta, eksperta. Dzia\u0142alno\u015b\u0107 po\u015brednictwa kredytowego nadzoruje KNF, specjali\u015bci ponosz\u0119 odpowiedzialno\u015b\u0107 prawn\u0105 za swoj\u0105 prac\u0119.<\/li>\n<\/ul>\n\n
        \n
      • Powi\u0105zany po\u015brednik kredytowy i jego agent\/ekspert wsp\u00f3\u0142pracuj\u0105 zwykle z wieloma instytucjami<\/strong>. Doskona\u0142ym tego przyk\u0142adem jest ja \u2013 ekspert finansowy Przemys\u0142aw Ma\u0142yga z Poznania. Wsp\u00f3\u0142pracuj\u0119 z jedn\u0105 z najwi\u0119kszych firm po\u015brednictwa kredytowego na rynku, kt\u00f3ra jest powi\u0105zana z kilkudziesi\u0119cioma uznanymi instytucjami w Polsce. Analizuj\u0119 dla moich klient\u00f3w dziesi\u0105tki ofert i obiektywnie wybieram te najkorzystniejsze.<\/li>\n<\/ul>\n\n\n

        W praktyce obecnie w Polsce nie ma ju\u017c zreszt\u0105 niezale\u017cnych doradc\u00f3w kredytowych <\/strong>lub jest ich niewielu. Zdecydowanie naj\u0142atwiej jest wi\u0119c skorzysta\u0107 ze wsparcia agent\u00f3w\/ekspert\u00f3w kredytowych, kt\u00f3rzy dzia\u0142aj\u0105 na terenie ka\u017cdej wi\u0119kszej miejscowo\u015bci i jej okolic. Je\u015bli mieszkaj\u0105 Pa\u0144stwo w pobli\u017cu Poznania, zapraszam do wsp\u00f3\u0142pracy. Pomog\u0119 Pa\u0144stwu uzyska\u0107 kredyt na korzystnych warunkach i rozs\u0105dnie dobra\u0107 jego parametry, aby zobowi\u0105zanie nadmiernie nie ci\u0105\u017cy\u0142o.<\/p>\n\n\n\n

        Czy doradca kredytowy jest p\u0142atny? Ile bierze doradca kredytowy?<\/h2>\n\n\n\n

        Doradca kredytowy nie mo\u017ce otrzymywa\u0107 wynagrodzenia od banku, zatem za jego us\u0142ugi musi zap\u0142aci\u0107 klient. Zwykle wynagrodzenie doradcy ma posta\u0107 prowizji od kwoty uzyskanego kredytu<\/strong>. Doradca mo\u017ce r\u00f3wnie\u017c wyznaczy\u0107 op\u0142at\u0119 za ka\u017cd\u0105 konsultacj\u0119 lub stawk\u0119 godzinow\u0105.<\/p>\n\n\n\n

        Potoczne (i b\u0142\u0119dne) okre\u015blenie \u201edoradca kredytowy za darmo\u201d kryje w\u0142a\u015bnie po\u015brednika lub agenta\/eksperta kredytowego, kt\u00f3rych wynagrodzenie pokrywa bank. <\/p>\n\n\n\n

        Podsumowuj\u0105c, obecnie w Polsce zdecydowana wi\u0119kszo\u015b\u0107 kredytobiorc\u00f3w korzysta z us\u0142ug po\u015brednika lub agenta\/eksperta kredytowego. Cho\u0107 powi\u0105zani z instytucjami finansowymi, ci specjali\u015bci s\u0105 obiektywni \u2013 zobowi\u0105zuje ich do tego prawo; maj\u0105 te\u017c stosowne kompetencje. I ka\u017cdy mo\u017ce skorzysta\u0107 z ich us\u0142ug, s\u0105 bezp\u0142atne.<\/p>\n\n\n\n

        FAQ:<\/h2>\n\n\n
          \n
        1. Ekspert finansowy a doradca kredytowy: czym r\u00f3\u017cni\u0105 si\u0119 ich us\u0142ugi?<\/strong><\/li>\n<\/ol>\n\n\n

          Ekspert finansowy oferuje takie same us\u0142ugi jak doradca kredytowy \u2013 pomaga uzyska\u0107 korzystny kredyt. Doradca kredytowy nie mo\u017ce pobiera\u0107 wynagrodzenia od banku, za jego us\u0142ugi p\u0142aci klient. Natomiast z us\u0142ug po\u015brednika kredytowego lub wsp\u00f3\u0142pracuj\u0105cego z nim eksperta ka\u017cdy mo\u017ce skorzysta\u0107 bezp\u0142atnie.<\/p>\n\n\n

            \n
          1. Darmowy doradca kredytowy: Pozna\u0144. Gdzie znale\u017a\u0107 rzetelnego specjalist\u0119?<\/strong><\/li>\n<\/ol>\n\n\n

            W zasadzie nie ma dzi\u015b na rynku doradc\u00f3w kredytowych, czyli specjalist\u00f3w niepowi\u0105zanych z \u017cadn\u0105 instytucj\u0105. Ka\u017cdy mo\u017ce jednak skorzysta\u0107 z bezp\u0142atnej pomocy po\u015brednika kredytowego lub agenta czy eksperta, kt\u00f3rzy wsp\u00f3\u0142pracuj\u0105 z wieloma bankami. Takim specjalist\u0105 z Poznania jest m.in. Przemys\u0142aw Ma\u0142yga.<\/p>\n\n\n

              \n
            1. Czy po\u015brednik\/ekspert kredytowy jest obiektywny?<\/strong><\/li>\n<\/ol>\n\n\n

              Tak, jest on prawnie zobowi\u0105zany do przedstawienia kilku ofert i zarekomendowania obiektywnie najkorzystniejszej dla klienta. Przed rozpocz\u0119ciem \u015bwiadczenia us\u0142ug doradczych ekspert musi te\u017c poinformowa\u0107 klienta, czy jego rekomendacje b\u0119d\u0105 dotyczy\u0107 wy\u0142\u0105cznie ofert powi\u0105zanych bank\u00f3w, czy tak\u017ce innych instytucji.<\/p>\n\n\n\n

              Materia\u0142y \u017ar\u00f3d\u0142owe:<\/h2>\n\n\n
                \n
              1. Informator rz\u0105dowy Zezwolenie na dzia\u0142alno\u015b\u0107 w zakresie po\u015brednictwa kredytu hipotecznego<\/em>, https:\/\/www.biznes.gov.pl\/pl\/portal\/ou1641 (dost\u0119p 13.03.2025).<\/li>\n\n\n\n
              2. Art. 25 i 27 Ustawy z dnia 23 marca 2017 r. o kredycie hipotecznym oraz o nadzorze nad po\u015brednikami kredytu hipotecznego i agentami, https:\/\/sip.lex.pl\/akty-prawne\/dzu-dziennik-ustaw\/kredyt-hipoteczny-oraz-nadzor-nad-posrednikami-kredytu-18594631\/roz-3 (dost\u0119p 13.03.2025).<\/li>\n<\/ol>","protected":false},"excerpt":"Aby kredyt nie zak\u0142\u00f3ca\u0142 rado\u015bci z np. w\u0142asnego mieszkania i spokoju codziennych dni, trzeba go zaci\u0105gn\u0105\u0107 korzystnie. Pomagaj\u0105 w tym specjali\u015bci \u2013 po\u015brednicy, eksperci i doradcy kredytowi lub finansowi. Chocia\u017c \u015bwiadcz\u0105 oni te same lub podobne us\u0142ugi, to jednak charakter wsp\u00f3\u0142pracy z ka\u017cdym z nich jest nieco inny. Z czyjej pomocy skorzysta\u0107? Po\u015brednik kredytowy a […]","author":1,"featured_media":36,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"editor_plus_copied_stylings":"{}","footnotes":""},"categories":[1],"tags":[],"class_list":["post-35","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorii"],"yoast_head":"\nDoradca kredytowy czy po\u015brednik \u2013 kogo wybra\u0107 i czym si\u0119 r\u00f3\u017cni\u0105?<\/title>\n<meta name=\"description\" content=\"Poznaj r\u00f3\u017cnice mi\u0119dzy doradc\u0105 kredytowym a po\u015brednikiem \u2b50 Sprawd\u017a, kto lepiej pomo\u017ce Ci w wyborze kredytu i na co zwr\u00f3ci\u0107 uwag\u0119 przy wsp\u00f3\u0142pracy \u2705\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.malyga-poznan.pl\/blog\/doradca-kredytowy-a-posrednik-czym-sie-roznia-i-kogo-wybrac\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Doradca kredytowy czy po\u015brednik \u2013 kogo wybra\u0107 i czym si\u0119 r\u00f3\u017cni\u0105?\" \/>\n<meta property=\"og:description\" content=\"Poznaj r\u00f3\u017cnice mi\u0119dzy doradc\u0105 kredytowym a po\u015brednikiem \u2b50 Sprawd\u017a, kto lepiej pomo\u017ce Ci w wyborze kredytu i na co zwr\u00f3ci\u0107 uwag\u0119 przy wsp\u00f3\u0142pracy \u2705\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.malyga-poznan.pl\/blog\/doradca-kredytowy-a-posrednik-czym-sie-roznia-i-kogo-wybrac\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog o poradach kredytowych i finansowych - 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Pomagaj\u0105 w tym specjali\u015bci \u2013 po\u015brednicy, eksperci i doradcy kredytowi lub finansowi. Chocia\u017c \u015bwiadcz\u0105 oni te same lub podobne us\u0142ugi, to jednak charakter wsp\u00f3\u0142pracy z ka\u017cdym z nich jest nieco inny. Z czyjej pomocy skorzysta\u0107? Po\u015brednik kredytowy a doradca kredytowy \u2013 wyja\u015bniamy r\u00f3\u017cnice!<\/strong><\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\"><strong>Aby kredyt nie zak\u0142\u00f3ca\u0142 rado\u015bci z np. w\u0142asnego mieszkania i spokoju codziennych dni, trzeba go zaci\u0105gn\u0105\u0107 korzystnie. Pomagaj\u0105 w tym specjali\u015bci \u2013 po\u015brednicy, eksperci i doradcy kredytowi lub finansowi. Chocia\u017c \u015bwiadcz\u0105 oni te same lub podobne us\u0142ugi, to jednak charakter wsp\u00f3\u0142pracy z ka\u017cdym z nich jest nieco inny. Z czyjej pomocy skorzysta\u0107? Po\u015brednik kredytowy a doradca kredytowy \u2013 wyja\u015bniamy r\u00f3\u017cnice!<\/strong><\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-oKpSMv","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Po\u015brednik kredytowy a doradca kredytowy<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Po\u015brednik kredytowy a doradca kredytowy<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-rZ4hae","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Zar\u00f3wno po\u015brednik, jak i doradca kredytowy szacuj\u0105 zdolno\u015b\u0107 kredytow\u0105 i doradzaj\u0105, jak j\u0105 zwi\u0119kszy\u0107. Obaj specjali\u015bci prezentuj\u0105 i rekomenduj\u0105 najkorzystniejsze oferty kredyt\u00f3w. A nast\u0119pnie pomagaj\u0105 skompletowa\u0107 dokumenty oraz wype\u0142ni\u0107 i z\u0142o\u017cy\u0107 wnioski. Zakres ich us\u0142ug jest zbie\u017cny. R\u00f3\u017cnica mi\u0119dzy po\u015brednikiem a doradc\u0105 kredytowym tkwi wy\u0142\u0105cznie w ich wynagrodzeniu za prac\u0119.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Zar\u00f3wno po\u015brednik, jak i doradca kredytowy szacuj\u0105 zdolno\u015b\u0107 kredytow\u0105 i doradzaj\u0105, jak j\u0105 zwi\u0119kszy\u0107. Obaj specjali\u015bci prezentuj\u0105 i rekomenduj\u0105 najkorzystniejsze oferty kredyt\u00f3w. A nast\u0119pnie pomagaj\u0105 skompletowa\u0107 dokumenty oraz wype\u0142ni\u0107 i z\u0142o\u017cy\u0107 wnioski. Zakres ich us\u0142ug jest zbie\u017cny. R\u00f3\u017cnica mi\u0119dzy po\u015brednikiem a doradc\u0105 kredytowym tkwi wy\u0142\u0105cznie w ich wynagrodzeniu za prac\u0119.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-F60m2d","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\"><strong>Po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim agent\/ekspert kredytowy pobieraj\u0105 wynagrodzenie od banku<\/strong>, kt\u00f3ry udzieli ich klientowi kredytu. S\u0105 wi\u0119c powi\u0105zani z jedn\u0105 lub wieloma instytucjami. Ich klienci otrzymuj\u0105 bezp\u0142atn\u0105 pomoc. Natomiast <strong>za us\u0142ugi doradcy kredytowego p\u0142aci jego klient <\/strong>\u2013<strong> <\/strong>niezale\u017cnie od efekt\u00f3w pracy specjalisty.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\"><strong>Po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim agent\/ekspert kredytowy pobieraj\u0105 wynagrodzenie od banku<\/strong>, kt\u00f3ry udzieli ich klientowi kredytu. S\u0105 wi\u0119c powi\u0105zani z jedn\u0105 lub wieloma instytucjami. Ich klienci otrzymuj\u0105 bezp\u0142atn\u0105 pomoc. Natomiast <strong>za us\u0142ugi doradcy kredytowego p\u0142aci jego klient <\/strong>\u2013<strong> <\/strong>niezale\u017cnie od efekt\u00f3w pracy specjalisty.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-7CIrtk","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">T\u0119 kwesti\u0119 reguluje prawo. Zgodnie z art. 25 ustawy o kredycie hipotecznym specjalista, kt\u00f3ry pobiera wynagrodzenie od instytucji finansowej, nie mo\u017ce si\u0119 nazywa\u0107 \u201edoradc\u0105\u201d. Nawet gdy wsp\u00f3\u0142pracuje z dziesi\u0105tkami bank\u00f3w na takich samych warunkach.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">T\u0119 kwesti\u0119 reguluje prawo. Zgodnie z art. 25 ustawy o kredycie hipotecznym specjalista, kt\u00f3ry pobiera wynagrodzenie od instytucji finansowej, nie mo\u017ce si\u0119 nazywa\u0107 \u201edoradc\u0105\u201d. Nawet gdy wsp\u00f3\u0142pracuje z dziesi\u0105tkami bank\u00f3w na takich samych warunkach.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-I1rfmw","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">W przypadku gdy us\u0142ugi doradcze oferowane s\u0105 konsumentowi przez po\u015brednika kredytu hipotecznego nieb\u0119d\u0105cego powi\u0105zanym po\u015brednikiem kredytu hipotecznego lub jego agenta, kt\u00f3rzy nie otrzymuj\u0105 od kredytodawcy prowizji lub innych wynagrodze\u0144 w formie pieni\u0119\u017cnej lub innej uzgodnionej formie korzy\u015bci finansowej, podmioty te mog\u0105 u\u017cywa\u0107 w nazwie oraz dla okre\u015blenia dzia\u0142alno\u015bci lub reklamy okre\u015blenia \"niezale\u017cny doradca\".<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">W przypadku gdy us\u0142ugi doradcze oferowane s\u0105 konsumentowi przez po\u015brednika kredytu hipotecznego nieb\u0119d\u0105cego powi\u0105zanym po\u015brednikiem kredytu hipotecznego lub jego agenta, kt\u00f3rzy nie otrzymuj\u0105 od kredytodawcy prowizji lub innych wynagrodze\u0144 w formie pieni\u0119\u017cnej lub innej uzgodnionej formie korzy\u015bci finansowej, podmioty te mog\u0105 u\u017cywa\u0107 w nazwie oraz dla okre\u015blenia dzia\u0142alno\u015bci lub reklamy okre\u015blenia \"niezale\u017cny doradca\".<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-HFW736","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Ekspert\/doradca finansowy a kredytowy<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Ekspert\/doradca finansowy a kredytowy<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-fI0e1I","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Kolejno szukaj\u0105cy wsparcia w uzyskaniu kredytu hipotecznego lub got\u00f3wkowego powinien si\u0119 zastanowi\u0107, czyjej pomocy potrzebuje \u2013 doradcy\/eksperta kredytowego czy te\u017c finansowego.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Kolejno szukaj\u0105cy wsparcia w uzyskaniu kredytu hipotecznego lub got\u00f3wkowego powinien si\u0119 zastanowi\u0107, czyjej pomocy potrzebuje \u2013 doradcy\/eksperta kredytowego czy te\u017c finansowego.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-im9bME","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Ekspert lub doradca finansowy to okre\u015blenia szersze. Ci specjali\u015bci mog\u0105 oferowa\u0107 wy\u0142\u0105cznie po\u015brednictwo kredytowe, ale r\u00f3wnie\u017c inne us\u0142ugi \u2013 np. pomoc w uzyskaniu dofinansowania czy zarz\u0105dzaniu finansami albo doradztwo inwestycyjne. <strong>Us\u0142ugi doradcy lub eksperta kredytowego s\u0105 w\u0119\u017csze. Obejmuj\u0105 tylko zadania zwi\u0105zane z uzyskaniem finansowania<\/strong>, od symulacji oceny zdolno\u015bci kredytowej po z\u0142o\u017cenie wniosku w konkretnym banku (lub kilku bankach).<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Ekspert lub doradca finansowy to okre\u015blenia szersze. Ci specjali\u015bci mog\u0105 oferowa\u0107 wy\u0142\u0105cznie po\u015brednictwo kredytowe, ale r\u00f3wnie\u017c inne us\u0142ugi \u2013 np. pomoc w uzyskaniu dofinansowania czy zarz\u0105dzaniu finansami albo doradztwo inwestycyjne. <strong>Us\u0142ugi doradcy lub eksperta kredytowego s\u0105 w\u0119\u017csze. Obejmuj\u0105 tylko zadania zwi\u0105zane z uzyskaniem finansowania<\/strong>, od symulacji oceny zdolno\u015bci kredytowej po z\u0142o\u017cenie wniosku w konkretnym banku (lub kilku bankach).<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-8j88Sv","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Doradca kredytowy czy po\u015brednik\/ekspert?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Doradca kredytowy czy po\u015brednik\/ekspert?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-aRvbrO","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Obaj specjali\u015bci \u015bwiadcz\u0105 taki sam zakres us\u0142ug. Obaj mog\u0105 r\u00f3wnie\u017c reprezentowa\u0107 klient\u00f3w w bankach, czyli w ich imieniu sk\u0142ada\u0107 wnioski czy prowadzi\u0107 negocjacje.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Obaj specjali\u015bci \u015bwiadcz\u0105 taki sam zakres us\u0142ug. Obaj mog\u0105 r\u00f3wnie\u017c reprezentowa\u0107 klient\u00f3w w bankach, czyli w ich imieniu sk\u0142ada\u0107 wnioski czy prowadzi\u0107 negocjacje.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-XKANoq","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Wiele os\u00f3b nies\u0142usznie obawia si\u0119, \u017ce po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim ekspert (agent) jest stronniczy lub ma ni\u017csze kompetencje. W rzeczywisto\u015bci:<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Wiele os\u00f3b nies\u0142usznie obawia si\u0119, \u017ce po\u015brednik kredytowy lub wsp\u00f3\u0142pracuj\u0105cy z nim ekspert (agent) jest stronniczy lub ma ni\u017csze kompetencje. W rzeczywisto\u015bci:<\/p>\n"]},{"blockName":"core\/list","attrs":{"className":"","epStylingOptions":{"columnsResponsiveEnabled":false,"columnsHoverEnabled":false,"itemsSpacingResponsiveEnabled":false,"itemsSpacingHoverEnabled":false,"listStyleResponsiveEnabled":false,"listStyleHoverEnabled":false,"listIconResponsiveEnabled":false,"listIconHoverEnabled":false,"columns":{"target":"","responsive":true,"hover":true,"options":[{"custom":true,"control":"ToggleOptions"},{"label":"Columns","control":"Range","attribute":"columns","css":"grid-template-columns","customValue":"repeat({{value}}, 1fr)","props":{"max":5,"min":1,"supportedUnits":[]},"defaults":{"desktop":"1"},"show_if":{"className":["ep-custom-list"]}}]},"itemsSpacing":{"target":"","responsive":true,"hover":true,"options":[{"label":"Items 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class=\" eplus-wrapper\">Zar\u00f3wno doradca, jak i po\u015brednik kredytowy maj\u0105 takie same obowi\u0105zki prawne. S\u0105 <strong>zobligowani do przedstawienia trzech ofert um\u00f3w <\/strong>(co najmniej trzech) wraz z formularzami informacyjnymi. Musz\u0105 poinformowa\u0107 klienta o kluczowych parametrach ka\u017cdej oferty, takich jak rzeczywista roczna stopa oprocentowania. S\u0105 prawnie zobowi\u0105zani zarekomendowa\u0107 klientowi t\u0119 ofert\u0119, kt\u00f3ra najlepiej odpowiada jego potrzebom i mo\u017cliwo\u015bciom. Ich prac\u0119 reguluje prawo, m.in. art. 27 ustawy o kredycie hipotecznym.<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\">Zar\u00f3wno doradca, jak i po\u015brednik kredytowy maj\u0105 takie same obowi\u0105zki prawne. S\u0105 <strong>zobligowani do przedstawienia trzech ofert um\u00f3w <\/strong>(co najmniej trzech) wraz z formularzami informacyjnymi. Musz\u0105 poinformowa\u0107 klienta o kluczowych parametrach ka\u017cdej oferty, takich jak rzeczywista roczna stopa oprocentowania. S\u0105 prawnie zobowi\u0105zani zarekomendowa\u0107 klientowi t\u0119 ofert\u0119, kt\u00f3ra najlepiej odpowiada jego potrzebom i mo\u017cliwo\u015bciom. Ich prac\u0119 reguluje prawo, m.in. art. 27 ustawy o kredycie hipotecznym.<\/li>\n"]}],"innerHTML":"<ul class=\" wp-block-list eplus-wrapper eplus-styles-uid-9e8ee3\"><\/ul>","innerContent":["\n<ul class=\" wp-block-list eplus-wrapper\">",null,"<\/ul>\n"]},{"blockName":"core\/list","attrs":{"className":"","epStylingOptions":{"columnsResponsiveEnabled":false,"columnsHoverEnabled":false,"itemsSpacingResponsiveEnabled":false,"itemsSpacingHoverEnabled":false,"listStyleResponsiveEnabled":false,"listStyleHoverEnabled":false,"listIconResponsiveEnabled":false,"listIconHoverEnabled":false,"columns":{"target":"","responsive":true,"hover":true,"options":[{"custom":true,"control":"ToggleOptions"},{"label":"Columns","control":"Range","attribute":"columns","css":"grid-template-columns","customValue":"repeat({{value}}, 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class=\" eplus-wrapper\"><strong>Powi\u0105zany po\u015brednik kredytowy i jego agent\/ekspert wsp\u00f3\u0142pracuj\u0105 zwykle z wieloma instytucjami<\/strong>. Doskona\u0142ym tego przyk\u0142adem jest ja \u2013 ekspert finansowy Przemys\u0142aw Ma\u0142yga z Poznania. Wsp\u00f3\u0142pracuj\u0119 z jedn\u0105 z najwi\u0119kszych firm po\u015brednictwa kredytowego na rynku, kt\u00f3ra jest powi\u0105zana z kilkudziesi\u0119cioma uznanymi instytucjami w Polsce. Analizuj\u0119 dla moich klient\u00f3w dziesi\u0105tki ofert i obiektywnie wybieram te najkorzystniejsze.<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\"><strong>Powi\u0105zany po\u015brednik kredytowy i jego agent\/ekspert wsp\u00f3\u0142pracuj\u0105 zwykle z wieloma instytucjami<\/strong>. Doskona\u0142ym tego przyk\u0142adem jest ja \u2013 ekspert finansowy Przemys\u0142aw Ma\u0142yga z Poznania. Wsp\u00f3\u0142pracuj\u0119 z jedn\u0105 z najwi\u0119kszych firm po\u015brednictwa kredytowego na rynku, kt\u00f3ra jest powi\u0105zana z kilkudziesi\u0119cioma uznanymi instytucjami w Polsce. Analizuj\u0119 dla moich klient\u00f3w dziesi\u0105tki ofert i obiektywnie wybieram te najkorzystniejsze.<\/li>\n"]}],"innerHTML":"<ul class=\" wp-block-list eplus-wrapper eplus-styles-uid-f6dc01\"><\/ul>","innerContent":["\n<ul class=\" wp-block-list eplus-wrapper\">",null,"<\/ul>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-t5ccZO","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\"><strong>W praktyce obecnie w Polsce nie ma ju\u017c zreszt\u0105 niezale\u017cnych doradc\u00f3w kredytowych <\/strong>lub jest ich niewielu. Zdecydowanie naj\u0142atwiej jest wi\u0119c skorzysta\u0107 ze wsparcia agent\u00f3w\/ekspert\u00f3w kredytowych, kt\u00f3rzy dzia\u0142aj\u0105 na terenie ka\u017cdej wi\u0119kszej miejscowo\u015bci i jej okolic. Je\u015bli mieszkaj\u0105 Pa\u0144stwo w pobli\u017cu Poznania, zapraszam do wsp\u00f3\u0142pracy. Pomog\u0119 Pa\u0144stwu uzyska\u0107 kredyt na korzystnych warunkach i rozs\u0105dnie dobra\u0107 jego parametry, aby zobowi\u0105zanie nadmiernie nie ci\u0105\u017cy\u0142o.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\"><strong>W praktyce obecnie w Polsce nie ma ju\u017c zreszt\u0105 niezale\u017cnych doradc\u00f3w kredytowych <\/strong>lub jest ich niewielu. Zdecydowanie naj\u0142atwiej jest wi\u0119c skorzysta\u0107 ze wsparcia agent\u00f3w\/ekspert\u00f3w kredytowych, kt\u00f3rzy dzia\u0142aj\u0105 na terenie ka\u017cdej wi\u0119kszej miejscowo\u015bci i jej okolic. Je\u015bli mieszkaj\u0105 Pa\u0144stwo w pobli\u017cu Poznania, zapraszam do wsp\u00f3\u0142pracy. Pomog\u0119 Pa\u0144stwu uzyska\u0107 kredyt na korzystnych warunkach i rozs\u0105dnie dobra\u0107 jego parametry, aby zobowi\u0105zanie nadmiernie nie ci\u0105\u017cy\u0142o.<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-dzZRjv","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Czy doradca kredytowy jest p\u0142atny? Ile bierze doradca kredytowy?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Czy doradca kredytowy jest p\u0142atny? Ile bierze doradca kredytowy?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-BaChuK","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Doradca kredytowy nie mo\u017ce otrzymywa\u0107 wynagrodzenia od banku, zatem za jego us\u0142ugi <strong>musi zap\u0142aci\u0107 klient. Zwykle wynagrodzenie doradcy ma posta\u0107 prowizji od kwoty uzyskanego kredytu<\/strong>. Doradca mo\u017ce r\u00f3wnie\u017c wyznaczy\u0107 op\u0142at\u0119 za ka\u017cd\u0105 konsultacj\u0119 lub stawk\u0119 godzinow\u0105.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Doradca kredytowy nie mo\u017ce otrzymywa\u0107 wynagrodzenia od banku, zatem za jego us\u0142ugi <strong>musi zap\u0142aci\u0107 klient. Zwykle wynagrodzenie doradcy ma posta\u0107 prowizji od kwoty uzyskanego kredytu<\/strong>. Doradca mo\u017ce r\u00f3wnie\u017c wyznaczy\u0107 op\u0142at\u0119 za ka\u017cd\u0105 konsultacj\u0119 lub stawk\u0119 godzinow\u0105.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-O9h9lu","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Potoczne (i b\u0142\u0119dne) okre\u015blenie \u201edoradca kredytowy za darmo\u201d kryje w\u0142a\u015bnie po\u015brednika lub agenta\/eksperta kredytowego, kt\u00f3rych wynagrodzenie pokrywa bank. <\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Potoczne (i b\u0142\u0119dne) okre\u015blenie \u201edoradca kredytowy za darmo\u201d kryje w\u0142a\u015bnie po\u015brednika lub agenta\/eksperta kredytowego, kt\u00f3rych wynagrodzenie pokrywa bank. <\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-8ua0QA","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Podsumowuj\u0105c, obecnie w Polsce zdecydowana wi\u0119kszo\u015b\u0107 kredytobiorc\u00f3w korzysta z us\u0142ug po\u015brednika lub agenta\/eksperta kredytowego. 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class=\" eplus-wrapper\">Informator rz\u0105dowy <em>Zezwolenie na dzia\u0142alno\u015b\u0107 w zakresie po\u015brednictwa kredytu hipotecznego<\/em>, https:\/\/www.biznes.gov.pl\/pl\/portal\/ou1641 (dost\u0119p 13.03.2025).<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\">Informator rz\u0105dowy <em>Zezwolenie na dzia\u0142alno\u015b\u0107 w zakresie po\u015brednictwa kredytu hipotecznego<\/em>, https:\/\/www.biznes.gov.pl\/pl\/portal\/ou1641 (dost\u0119p 13.03.2025).<\/li>\n"]},{"blockName":"core\/list-item","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-v5baBf","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<li class=\" eplus-wrapper\">Art. 25 i 27 Ustawy z dnia 23 marca 2017 r. o kredycie hipotecznym oraz o nadzorze nad po\u015brednikami kredytu hipotecznego i agentami, https:\/\/sip.lex.pl\/akty-prawne\/dzu-dziennik-ustaw\/kredyt-hipoteczny-oraz-nadzor-nad-posrednikami-kredytu-18594631\/roz-3 (dost\u0119p 13.03.2025).<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\">Art. 25 i 27 Ustawy z dnia 23 marca 2017 r. o kredycie hipotecznym oraz o nadzorze nad po\u015brednikami kredytu hipotecznego i agentami, https:\/\/sip.lex.pl\/akty-prawne\/dzu-dziennik-ustaw\/kredyt-hipoteczny-oraz-nadzor-nad-posrednikami-kredytu-18594631\/roz-3 (dost\u0119p 13.03.2025).<\/li>\n"]}],"innerHTML":"<ol class=\" wp-block-list eplus-wrapper eplus-styles-uid-d18dfc\">\n\n<\/ol>","innerContent":["\n<ol class=\" wp-block-list eplus-wrapper\">",null,"\n\n",null,"<\/ol>\n"]}],"meta_data":false,"featured_image":{"url":"https:\/\/www.malyga-poznan.pl\/blog\/wp-content\/uploads\/2025\/04\/doradca-kredytowy-a-posrednik-czym-sie-roznia-i-kogo-wybrac-1024x683.jpg"},"main_category":{"name":"Bez 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