{"id":39,"date":"2025-04-22T15:38:16","date_gmt":"2025-04-22T13:38:16","guid":{"rendered":"https:\/\/www.malyga-poznan.pl\/blog\/?p=39"},"modified":"2025-04-22T15:38:17","modified_gmt":"2025-04-22T13:38:17","slug":"jak-bank-ocenia-twoja-zdolnosc-kredytowa-sprawdz-zanim-zlozysz-wniosek","status":"publish","type":"post","link":"https:\/\/www.malyga-poznan.pl\/blog\/jak-bank-ocenia-twoja-zdolnosc-kredytowa-sprawdz-zanim-zlozysz-wniosek\/","title":{"rendered":"Jak bank ocenia Twoj\u0105 zdolno\u015b\u0107 kredytow\u0105? Sprawd\u017a, zanim z\u0142o\u017cysz wniosek!"},"content":{"rendered":"\n

Ocena kredytowa sp\u0119dza sen z powiek. Z jednej strony to od niej zale\u017cy wysoko\u015b\u0107 przyznanego finansowania, a wi\u0119c jako\u015b\u0107 czy spok\u00f3j codziennego \u017cycia. Z drugiej \u2013 wywo\u0142uje ona poczucie, \u017ce bank \u201egrzebie\u201d w naszej prywatno\u015bci. Je\u015bli jednak odpowiednio si\u0119 przygotujesz do tej procedury i poznasz uprawnienia banku, b\u0119dziesz spa\u0107 spokojniej. Przeczytaj, jak wygl\u0105da taka ocena oraz co sprawdza bank po udzieleniu kredytu.<\/strong><\/p>\n\n\n\n

Co to ocena kredytowa?<\/h2>\n\n\n\n

Ocena kredytowa to ocena zdolno\u015bci kredytowej, czyli zdolno\u015bci do sp\u0142aty zaci\u0105gni\u0119tego kredytu wraz z odsetkami w terminach okre\u015blonych w umowie<\/strong>. Wp\u0142ywa ona na decyzj\u0119 kredytow\u0105, a konkretniej na kwot\u0119 finansowania, jak\u0105 bank mo\u017ce przyzna\u0107.<\/p>\n\n\n\n

Ocenie zdolno\u015bci kredytowej bank zawsze poddaje wnioskuj\u0105cych o kredyt got\u00f3wkowy, hipoteczny, celowy czy inwestycyjny. Mo\u017ce r\u00f3wnie\u017c \u2013 bez zgody i wiedzy klienta \u2013 przeprowadzi\u0107 tak\u0105 symulacj\u0119 na podstawie okrojonych danych, kt\u00f3rymi dysponuje. W ten spos\u00f3b powstaj\u0105 spersonalizowane oferty kredytowe, kt\u00f3re co jaki\u015b czas otrzymuj\u0105 klienci banku.<\/p>\n\n\n\n

Co sprawdza bank po udzieleniu kredytu?<\/h2>\n\n\n\n

Zgodnie z art. 70 prawa bankowego ka\u017cdy bank uzale\u017cnia przyznanie kredytu od zdolno\u015bci kredytowej. Ma prawo ocenia\u0107 zdolno\u015b\u0107 potencjalnych kredytobiorc\u00f3w po wp\u0142yni\u0119ciu wniosku kredytowego, a nast\u0119pnie w czasie sp\u0142aty zobowi\u0105zania. A kredytobiorca musi mu umo\u017cliwi\u0107 ocen\u0119 swojej sytuacji finansowej i gospodarczej oraz kontrol\u0119 wykorzystania i sp\u0142aty kredytu.<\/p>\n\n\n\n

Oznacza to, \u017ce dop\u00f3ki nie wyga\u015bnie zobowi\u0105zanie finansowe, bank ma prawo do przeprowadzania ponownej oceny zdolno\u015bci kredytowej klienta oraz weryfikacji stanu i warto\u015bci nieruchomo\u015bci<\/strong>, kt\u00f3ra stanowi zabezpieczenie. I zwykle okresowo sprawdza, czy kredytobiorca nie utraci\u0142 zdolno\u015bci do sp\u0142aty zobowi\u0105zania lub czy nie jest ona zagro\u017cona. A je\u015bli tak si\u0119 stanie, to na mocy art. 75 prawa bankowego mo\u017ce obni\u017cy\u0107 wysoko\u015b\u0107 przyznanego finansowania lub nawet wypowiedzie\u0107 umow\u0119 kredytow\u0105.<\/p>\n\n\n\n

Jak banki licz\u0105 zdolno\u015b\u0107 kredytow\u0105?<\/h2>\n\n\n\n

JJak bank liczy zdolno\u015b\u0107 kredytow\u0105, zale\u017cy od przyj\u0119tego przez niego systemu, chocia\u017c ka\u017cda instytucja bierze pod uwag\u0119 podobne czynniki. Ocena sk\u0142ada si\u0119 z dw\u00f3ch cz\u0119\u015bci: ilo\u015bciowej i jako\u015bciowej.<\/p>\n\n\n

    \n
  • Ocena ilo\u015bciowa <\/strong>obejmuje g\u0142\u00f3wnie:
      \n
    • dochody,\u00a0<\/li>\n\n\n\n
    • koszty utrzymania,<\/li>\n\n\n\n
    • obecne zad\u0142u\u017cenie kredytobiorcy (m.in. inne zobowi\u0105zania kredytowe, po\u017cyczki czy zakupy na raty).<\/li>\n<\/ul><\/li>\n<\/ul>\n\n
        \n
      • Ocena jako\u015bciowa <\/strong>jest przeprowadzana na podstawie takich kryteri\u00f3w jak:
          \n
        • wiek i stan cywilny,\u00a0<\/li>\n\n\n\n
        • liczba os\u00f3b na utrzymaniu w gospodarstwie domowym,\u00a0<\/li>\n\n\n\n
        • status maj\u0105tkowy,\u00a0<\/li>\n\n\n\n
        • wykszta\u0142cenie, sta\u017c pracy, zaw\u00f3d i stanowisko,<\/li>\n\n\n\n
        • historia kredytowa.<\/li>\n<\/ul><\/li>\n<\/ul>\n\n\n

          Wsp\u00f3\u0142cze\u015bnie instytucje finansowe automatyzuj\u0105 ocen\u0119 zdolno\u015bci kredytowej \u2013 stosuj\u0105 w tym celu r\u00f3\u017cne narz\u0119dzia i systemy scoringowe, nap\u0119dzane zwykle sztuczn\u0105 inteligencj\u0105. Zawsze jednak wyniki weryfikuje cz\u0142owiek i to on decyduje o udzieleniu kredytu oraz jego warunkach.<\/p>\n\n\n\n

          Jak bank sprawdza zdolno\u015b\u0107 kredytow\u0105?<\/h2>\n\n\n\n

          W praktyce najwa\u017cniejszymi kryteriami oceny zdolno\u015bci kredytowej s\u0105:<\/p>\n\n\n

            \n
          • Doch\u00f3d i stabilno\u015b\u0107 zatrudnienia<\/strong>. Bank sprawdza zatrudnienie kredytobiorcy, kt\u00f3ry musi w tym celu z\u0142o\u017cy\u0107 o\u015bwiadczenie lub za\u015bwiadczenie o zatrudnieniu i dochodach, wyci\u0105g z konta b\u0105d\u017a za\u015bwiadczenie z urz\u0119du skarbowego. Bank zwykle weryfikuje pracodawc\u0119, a czasem tak\u017ce si\u0119 z nim kontaktuje. Zatrudnieni na podstawie umowy zlecenia lub o dzie\u0142o przedstawiaj\u0105 podobne dokumenty, ale musz\u0105 z regu\u0142y udokumentowa\u0107 d\u0142u\u017cszy sta\u017c pracy. Prowadz\u0105cy dzia\u0142alno\u015b\u0107 dostarczaj\u0105 natomiast bankowi PIT, ewidencj\u0119 przychod\u00f3w, KPiR itp.<\/li>\n<\/ul>\n\n
              \n
            • Koszty utrzymania<\/strong>. Obejmuj\u0105 m.in. czynsz i media, \u017cywno\u015b\u0107, dobra codziennego u\u017cytku, komunikacj\u0119, utrzymanie gospodarstwa, a tak\u017ce alimenty i inne sta\u0142e zobowi\u0105zania finansowe. Okre\u015bla je we wniosku sam kredytobiorca, natomiast banki weryfikuj\u0105 t\u0119 warto\u015b\u0107 na podstawie wska\u017anik\u00f3w ekonomicznych, m.in. minimum socjalnego i innych danych z GUS-u. Pomaga w tym bankom tak\u017ce m.in. wska\u017anik DstI, kt\u00f3ry okre\u015bla, jak\u0105 cz\u0119\u015b\u0107 rocznego dochodu kredytobiorca przeznaczy na pokrycie zobowi\u0105za\u0144. Zgodnie z rekomendacjami Komisji Nadzoru Finansowego (KNF) powinien on wynosi\u0107 maksymalnie do 40 lub 50%.<\/li>\n<\/ul>\n\n
                \n
              • Obecne zad\u0142u\u017cenie i historia kredytowa<\/strong>. Kredytobiorcy cz\u0119sto pytaj\u0105, czy bank widzi inne kredyty. Tak, bank weryfikuje obecne zad\u0142u\u017cenie i histori\u0119 kredytow\u0105 wnioskuj\u0105cego. S\u0142u\u017c\u0105 temu Biuro Informacji Kredytowej (BIK), Biuro Informacji Gospodarczej (BIG) i Krajowy Rejestr D\u0142ug\u00f3w (KRD). Ka\u017cde zad\u0142u\u017cenie i negatywny wpis (np. przekroczenie terminu sp\u0142aty zobowi\u0105zania) obni\u017caj\u0105 zdolno\u015b\u0107 kredytow\u0105. Bank bierze jednak pod uwag\u0119 r\u00f3wnie\u017c wpisy pozytywne, po\u015bwiadczaj\u0105ce terminowo\u015b\u0107 sp\u0142aty zobowi\u0105za\u0144 \u2013 zwi\u0119kszaj\u0105 one szanse na uzyskanie kredytu.<\/li>\n<\/ul>\n\n\n

                Nieco mniejsze, ale wci\u0105\u017c istotne znaczenie ma demografia. Znacznie wi\u0119kszy kredyt otrzyma np. ma\u0142\u017ce\u0144stwo 30-latk\u00f3w pracuj\u0105cych w specjalistycznych zawodach ni\u017c 50-letni rozwodnik zajmuj\u0105cy stanowisko niewymagaj\u0105ce kwalifikacji.<\/p>\n\n\n\n

                Jak si\u0119 przygotowa\u0107 na badanie zdolno\u015bci kredytowej?<\/h2>\n\n\n\n

                Na ocen\u0119 zdolno\u015bci kredytowej warto si\u0119 przygotowa\u0107, i to jeszcze przed z\u0142o\u017ceniem wniosku o udzielenie finansowania. Pomo\u017ce w tym \u2013 bezp\u0142atnie \u2013 ekspert finansowy. Zapraszam na konsultacj\u0119 w Poznaniu i okolicach. Nazywam si\u0119 Przemys\u0142aw Ma\u0142yga<\/strong> i wspieram w uzyskaniu korzystnego kredytu, na ka\u017cdym etapie \u2013 rekomenduj\u0119 najlepsze oferty, pomagam zwi\u0119kszy\u0107 zdolno\u015b\u0107 kredytow\u0105, skompletowa\u0107 dokumenty i z\u0142o\u017cy\u0107 wnioski. <\/p>\n\n\n\n

                Aby dobrze si\u0119 przygotowa\u0107 do oceny, warto w pierwszym kroku oszacowa\u0107 swoj\u0105 zdolno\u015b\u0107 oraz sprawdzi\u0107 zad\u0142u\u017cenie i histori\u0119 kredytow\u0105, korzystaj\u0105c z Biura Informacji Kredytowej i innych rejestr\u00f3w. Nast\u0119pnie nale\u017cy podj\u0105\u0107 kroki, aby zdolno\u015b\u0107 kredytow\u0105 zwi\u0119kszy\u0107 poprzez m.in.:<\/p>\n\n\n

                  \n
                • zamkni\u0119cie kart kredytowych lub zmniejszenie limit\u00f3w,\u00a0<\/li>\n\n\n\n
                • zwi\u0119kszenie dochod\u00f3w \u2013 je\u015bli pozwala na to czas i mo\u017cliwo\u015bci (np. dzi\u0119ki nadgodzinom, lepszym wynikom w pracy itp.)<\/li>\n\n\n\n
                • zamkni\u0119cie lub zmniejszenie limit\u00f3w kredytowych,\u00a0<\/li>\n\n\n\n
                • sp\u0142at\u0119 lub konsolidacj\u0119 zobowi\u0105za\u0144 (i uzyskanie ni\u017cszej raty),<\/li>\n\n\n\n
                • pozyskanie wsp\u00f3\u0142kredytobiorcy (np. partnera, rodzica),\u00a0<\/li>\n\n\n\n
                • negocjacj\u0119 umowy o prac\u0119 u pracodawcy,\u00a0<\/li>\n\n\n\n
                • uzyskanie wy\u017cszego wk\u0142adu w\u0142asnego,<\/li>\n\n\n\n
                • obni\u017cenie koszt\u00f3w utrzymania.<\/li>\n<\/ul>\n\n\n

                  Szans\u0119 na wysoki kredyt mo\u017ce r\u00f3wnie\u017c zwi\u0119kszy\u0107 z\u0142o\u017cenie wniosku w 2\u20133 bankach. Ka\u017cda instytucja nieco inaczej ocenia zdolno\u015b\u0107 potencjalnego klienta i stosuje w\u0142asn\u0105 polityk\u0119 \u2013 mo\u017ce si\u0119 to prze\u0142o\u017cy\u0107 na r\u00f3\u017cnice w wysoko\u015bci oferowanej kwoty i warunkach umowy. <\/p>\n\n\n\n

                  FAQ:<\/h2>\n\n\n
                    \n
                  1. Jak bank sprawdza zatrudnienie?<\/strong><\/li>\n<\/ol>\n\n\n

                    Bank dokonuje weryfikacji zatrudnienia na r\u00f3\u017cne sposoby; najcz\u0119\u015bciej nale\u017cy przedstawi\u0107 o\u015bwiadczenie lub za\u015bwiadczenie o zatrudnieniu i dochodach (wydaje je pracodawca), wyci\u0105g z konta bankowego b\u0105d\u017a za\u015bwiadczenie z urz\u0119du skarbowego.<\/p>\n\n\n

                      \n
                    1. Czy bank sprawdza zatrudnienie w ZUS-ie?<\/strong><\/li>\n<\/ol>\n\n\n

                      Bank nie ma dost\u0119pu do danych z ZUS-u, ale mo\u017ce poprosi\u0107 kredytobiorc\u0119 o przedstawienie za\u015bwiadczenia, kt\u00f3re potwierdzi odprowadzenie sk\u0142adek na ubezpieczenia. Bank dokonuje jednak weryfikacji zatrudnienia, w tym pracodawcy.<\/p>\n\n\n

                        \n
                      1. Jak uzyska\u0107 wy\u017cszy kredyt hipoteczny?<\/strong><\/li>\n<\/ol>\n\n\n

                        Szans\u0119 na otrzymanie kredytu w po\u017c\u0105danej kwocie zwi\u0119kszaj\u0105 m.in. zamkni\u0119cie kart i limit\u00f3w kredytowych, konsolidacja zobowi\u0105za\u0144 i uzyskanie ni\u017cszej raty czy postaranie si\u0119 o wy\u017cszy wk\u0142ad w\u0142asny.<\/p>\n\n\n\n

                        Materia\u0142y \u017ar\u00f3d\u0142owe:<\/h2>\n\n\n
                          \n
                        1. Rekomendacja T Komisji Nadzoru Finansowego, https:\/\/www.knf.gov.pl\/knf\/pl\/komponenty\/img\/rekomendacja_t_%2814_09_2018%29_63160.pdf (dost\u0119p 13.03. 2025).<\/li>\n\n\n\n
                        2. Art. 70 Ustawy z dnia 29 sierpnia 1997 r. Prawo bankowe, https:\/\/sip.lex.pl\/akty-prawne\/dzu-dziennik-ustaw\/prawo-bankowe-16799069 (dost\u0119p 13.03.2025).<\/li>\n\n\n\n
                        3. Art. 75 Ustawy z dnia 29 sierpnia 1997 r. Prawo bankowe, https:\/\/sip.lex.pl\/akty-prawne\/dzu-dziennik-ustaw\/prawo-bankowe-16799069\/art-75 (dost\u0119p 13.03. 2025).<\/li>\n\n\n\n
                        4. Rekomendacja S Komisji Nadzoru Finansowego, https:\/\/www.knf.gov.pl\/knf\/pl\/komponenty\/img\/Rekomendacja_S_nowelizacja_czerwiec_2023_82872.pdf (dost\u0119p 13.03. 2025).<\/li>\n<\/ol>","protected":false},"excerpt":"Ocena kredytowa sp\u0119dza sen z powiek. Z jednej strony to od niej zale\u017cy wysoko\u015b\u0107 przyznanego finansowania, a wi\u0119c jako\u015b\u0107 czy spok\u00f3j codziennego \u017cycia. Z drugiej \u2013 wywo\u0142uje ona poczucie, \u017ce bank \u201egrzebie\u201d w naszej prywatno\u015bci. Je\u015bli jednak odpowiednio si\u0119 przygotujesz do tej procedury i poznasz uprawnienia banku, b\u0119dziesz spa\u0107 spokojniej. Przeczytaj, jak wygl\u0105da taka ocena […]","author":1,"featured_media":41,"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-39","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorii"],"yoast_head":"\nJak bank ocenia zdolno\u015b\u0107 kredytow\u0105? 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Z jednej strony to od niej zale\u017cy wysoko\u015b\u0107 przyznanego finansowania, a wi\u0119c jako\u015b\u0107 czy spok\u00f3j codziennego \u017cycia. Z drugiej \u2013 wywo\u0142uje ona poczucie, \u017ce bank \u201egrzebie\u201d w naszej prywatno\u015bci. Je\u015bli jednak odpowiednio si\u0119 przygotujesz do tej procedury i poznasz uprawnienia banku, b\u0119dziesz spa\u0107 spokojniej. Przeczytaj, jak wygl\u0105da taka ocena oraz co sprawdza bank po udzieleniu kredytu.<\/strong><\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\"><strong>Ocena kredytowa sp\u0119dza sen z powiek. Z jednej strony to od niej zale\u017cy wysoko\u015b\u0107 przyznanego finansowania, a wi\u0119c jako\u015b\u0107 czy spok\u00f3j codziennego \u017cycia. Z drugiej \u2013 wywo\u0142uje ona poczucie, \u017ce bank \u201egrzebie\u201d w naszej prywatno\u015bci. Je\u015bli jednak odpowiednio si\u0119 przygotujesz do tej procedury i poznasz uprawnienia banku, b\u0119dziesz spa\u0107 spokojniej. Przeczytaj, jak wygl\u0105da taka ocena oraz co sprawdza bank po udzieleniu kredytu.<\/strong><\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-7YqUp7","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Co to ocena kredytowa?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Co to ocena kredytowa?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-xYUazj","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Ocena kredytowa to <strong>ocena zdolno\u015bci kredytowej, czyli zdolno\u015bci do sp\u0142aty zaci\u0105gni\u0119tego kredytu wraz z odsetkami w terminach okre\u015blonych w umowie<\/strong>. Wp\u0142ywa ona na decyzj\u0119 kredytow\u0105, a konkretniej na kwot\u0119 finansowania, jak\u0105 bank mo\u017ce przyzna\u0107.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Ocena kredytowa to <strong>ocena zdolno\u015bci kredytowej, czyli zdolno\u015bci do sp\u0142aty zaci\u0105gni\u0119tego kredytu wraz z odsetkami w terminach okre\u015blonych w umowie<\/strong>. Wp\u0142ywa ona na decyzj\u0119 kredytow\u0105, a konkretniej na kwot\u0119 finansowania, jak\u0105 bank mo\u017ce przyzna\u0107.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-0FkESM","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Ocenie zdolno\u015bci kredytowej bank zawsze poddaje wnioskuj\u0105cych o kredyt got\u00f3wkowy, hipoteczny, celowy czy inwestycyjny. Mo\u017ce r\u00f3wnie\u017c \u2013 bez zgody i wiedzy klienta \u2013 przeprowadzi\u0107 tak\u0105 symulacj\u0119 na podstawie okrojonych danych, kt\u00f3rymi dysponuje. W ten spos\u00f3b powstaj\u0105 spersonalizowane oferty kredytowe, kt\u00f3re co jaki\u015b czas otrzymuj\u0105 klienci banku.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Ocenie zdolno\u015bci kredytowej bank zawsze poddaje wnioskuj\u0105cych o kredyt got\u00f3wkowy, hipoteczny, celowy czy inwestycyjny. Mo\u017ce r\u00f3wnie\u017c \u2013 bez zgody i wiedzy klienta \u2013 przeprowadzi\u0107 tak\u0105 symulacj\u0119 na podstawie okrojonych danych, kt\u00f3rymi dysponuje. W ten spos\u00f3b powstaj\u0105 spersonalizowane oferty kredytowe, kt\u00f3re co jaki\u015b czas otrzymuj\u0105 klienci banku.<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-EXinTK","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Co sprawdza bank po udzieleniu kredytu?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Co sprawdza bank po udzieleniu kredytu?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-fJjqQy","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Zgodnie z art. 70 prawa bankowego ka\u017cdy bank uzale\u017cnia przyznanie kredytu od zdolno\u015bci kredytowej. 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A kredytobiorca musi mu umo\u017cliwi\u0107 ocen\u0119 swojej sytuacji finansowej i gospodarczej oraz kontrol\u0119 wykorzystania i sp\u0142aty kredytu.<\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-aG90FY","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Oznacza to, \u017ce dop\u00f3ki nie wyga\u015bnie zobowi\u0105zanie finansowe, bank <strong>ma prawo do przeprowadzania ponownej oceny zdolno\u015bci kredytowej klienta oraz weryfikacji stanu i warto\u015bci nieruchomo\u015bci<\/strong>, kt\u00f3ra stanowi zabezpieczenie. I zwykle okresowo sprawdza, czy kredytobiorca nie utraci\u0142 zdolno\u015bci do sp\u0142aty zobowi\u0105zania lub czy nie jest ona zagro\u017cona. A je\u015bli tak si\u0119 stanie, to na mocy art. 75 prawa bankowego mo\u017ce obni\u017cy\u0107 wysoko\u015b\u0107 przyznanego finansowania lub nawet wypowiedzie\u0107 umow\u0119 kredytow\u0105.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Oznacza to, \u017ce dop\u00f3ki nie wyga\u015bnie zobowi\u0105zanie finansowe, bank <strong>ma prawo do przeprowadzania ponownej oceny zdolno\u015bci kredytowej klienta oraz weryfikacji stanu i warto\u015bci nieruchomo\u015bci<\/strong>, kt\u00f3ra stanowi zabezpieczenie. I zwykle okresowo sprawdza, czy kredytobiorca nie utraci\u0142 zdolno\u015bci do sp\u0142aty zobowi\u0105zania lub czy nie jest ona zagro\u017cona. A je\u015bli tak si\u0119 stanie, to na mocy art. 75 prawa bankowego mo\u017ce obni\u017cy\u0107 wysoko\u015b\u0107 przyznanego finansowania lub nawet wypowiedzie\u0107 umow\u0119 kredytow\u0105.<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-gTSjiv","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Jak banki licz\u0105 zdolno\u015b\u0107 kredytow\u0105?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Jak banki licz\u0105 zdolno\u015b\u0107 kredytow\u0105?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-AiyNww","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">JJak bank liczy zdolno\u015b\u0107 kredytow\u0105, zale\u017cy od przyj\u0119tego przez niego systemu, chocia\u017c ka\u017cda instytucja bierze pod uwag\u0119 podobne czynniki. 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Zawsze jednak wyniki weryfikuje cz\u0142owiek i to on decyduje o udzieleniu kredytu oraz jego warunkach.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Wsp\u00f3\u0142cze\u015bnie instytucje finansowe automatyzuj\u0105 ocen\u0119 zdolno\u015bci kredytowej \u2013 stosuj\u0105 w tym celu r\u00f3\u017cne narz\u0119dzia i systemy scoringowe, nap\u0119dzane zwykle sztuczn\u0105 inteligencj\u0105. 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Obejmuj\u0105 m.in. czynsz i media, \u017cywno\u015b\u0107, dobra codziennego u\u017cytku, komunikacj\u0119, utrzymanie gospodarstwa, a tak\u017ce alimenty i inne sta\u0142e zobowi\u0105zania finansowe. Okre\u015bla je we wniosku sam kredytobiorca, natomiast banki weryfikuj\u0105 t\u0119 warto\u015b\u0107 na podstawie wska\u017anik\u00f3w ekonomicznych, m.in. minimum socjalnego i innych danych z GUS-u. Pomaga w tym bankom tak\u017ce m.in. wska\u017anik DstI, kt\u00f3ry okre\u015bla, jak\u0105 cz\u0119\u015b\u0107 rocznego dochodu kredytobiorca przeznaczy na pokrycie zobowi\u0105za\u0144. Zgodnie z rekomendacjami Komisji Nadzoru Finansowego (KNF) powinien on wynosi\u0107 maksymalnie do 40 lub 50%.<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\"><strong>Koszty utrzymania<\/strong>. Obejmuj\u0105 m.in. czynsz i media, \u017cywno\u015b\u0107, dobra codziennego u\u017cytku, komunikacj\u0119, utrzymanie gospodarstwa, a tak\u017ce alimenty i inne sta\u0142e zobowi\u0105zania finansowe. Okre\u015bla je we wniosku sam kredytobiorca, natomiast banki weryfikuj\u0105 t\u0119 warto\u015b\u0107 na podstawie wska\u017anik\u00f3w ekonomicznych, m.in. minimum socjalnego i innych danych z GUS-u. Pomaga w tym bankom tak\u017ce m.in. wska\u017anik DstI, kt\u00f3ry okre\u015bla, jak\u0105 cz\u0119\u015b\u0107 rocznego dochodu kredytobiorca przeznaczy na pokrycie zobowi\u0105za\u0144. Zgodnie z rekomendacjami Komisji Nadzoru Finansowego (KNF) powinien on wynosi\u0107 maksymalnie do 40 lub 50%.<\/li>\n"]}],"innerHTML":"<ul class=\" wp-block-list eplus-wrapper eplus-styles-uid-175645\"><\/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>Obecne zad\u0142u\u017cenie i historia kredytowa<\/strong>. Kredytobiorcy cz\u0119sto pytaj\u0105, czy bank widzi inne kredyty. Tak, bank weryfikuje obecne zad\u0142u\u017cenie i histori\u0119 kredytow\u0105 wnioskuj\u0105cego. S\u0142u\u017c\u0105 temu Biuro Informacji Kredytowej (BIK), Biuro Informacji Gospodarczej (BIG) i Krajowy Rejestr D\u0142ug\u00f3w (KRD). Ka\u017cde zad\u0142u\u017cenie i negatywny wpis (np. przekroczenie terminu sp\u0142aty zobowi\u0105zania) obni\u017caj\u0105 zdolno\u015b\u0107 kredytow\u0105. Bank bierze jednak pod uwag\u0119 r\u00f3wnie\u017c wpisy pozytywne, po\u015bwiadczaj\u0105ce terminowo\u015b\u0107 sp\u0142aty zobowi\u0105za\u0144 \u2013 zwi\u0119kszaj\u0105 one szanse na uzyskanie kredytu.<\/li>\n","innerContent":["\n<li class=\" eplus-wrapper\"><strong>Obecne zad\u0142u\u017cenie i historia kredytowa<\/strong>. Kredytobiorcy cz\u0119sto pytaj\u0105, czy bank widzi inne kredyty. Tak, bank weryfikuje obecne zad\u0142u\u017cenie i histori\u0119 kredytow\u0105 wnioskuj\u0105cego. S\u0142u\u017c\u0105 temu Biuro Informacji Kredytowej (BIK), Biuro Informacji Gospodarczej (BIG) i Krajowy Rejestr D\u0142ug\u00f3w (KRD). Ka\u017cde zad\u0142u\u017cenie i negatywny wpis (np. przekroczenie terminu sp\u0142aty zobowi\u0105zania) obni\u017caj\u0105 zdolno\u015b\u0107 kredytow\u0105. Bank bierze jednak pod uwag\u0119 r\u00f3wnie\u017c wpisy pozytywne, po\u015bwiadczaj\u0105ce terminowo\u015b\u0107 sp\u0142aty zobowi\u0105za\u0144 \u2013 zwi\u0119kszaj\u0105 one szanse na uzyskanie kredytu.<\/li>\n"]}],"innerHTML":"<ul class=\" wp-block-list eplus-wrapper eplus-styles-uid-78eb9e\"><\/ul>","innerContent":["\n<ul class=\" wp-block-list eplus-wrapper\">",null,"<\/ul>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-4gxcNm","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Nieco mniejsze, ale wci\u0105\u017c istotne znaczenie ma demografia. Znacznie wi\u0119kszy kredyt otrzyma np. ma\u0142\u017ce\u0144stwo 30-latk\u00f3w pracuj\u0105cych w specjalistycznych zawodach ni\u017c 50-letni rozwodnik zajmuj\u0105cy stanowisko niewymagaj\u0105ce kwalifikacji.<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Nieco mniejsze, ale wci\u0105\u017c istotne znaczenie ma demografia. Znacznie wi\u0119kszy kredyt otrzyma np. ma\u0142\u017ce\u0144stwo 30-latk\u00f3w pracuj\u0105cych w specjalistycznych zawodach ni\u017c 50-letni rozwodnik zajmuj\u0105cy stanowisko niewymagaj\u0105ce kwalifikacji.<\/p>\n"]},{"blockName":"core\/heading","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-bzH155","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<h2 class=\" wp-block-heading eplus-wrapper\">Jak si\u0119 przygotowa\u0107 na badanie zdolno\u015bci kredytowej?<\/h2>\n","innerContent":["\n<h2 class=\" wp-block-heading eplus-wrapper\">Jak si\u0119 przygotowa\u0107 na badanie zdolno\u015bci kredytowej?<\/h2>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-cVU4Np","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Na ocen\u0119 zdolno\u015bci kredytowej warto si\u0119 przygotowa\u0107, i to jeszcze przed z\u0142o\u017ceniem wniosku o udzielenie finansowania. <strong>Pomo\u017ce w tym \u2013 bezp\u0142atnie \u2013 ekspert finansowy. Zapraszam na konsultacj\u0119 w Poznaniu i okolicach. Nazywam si\u0119 Przemys\u0142aw Ma\u0142yga<\/strong> i wspieram w uzyskaniu korzystnego kredytu, na ka\u017cdym etapie \u2013 rekomenduj\u0119 najlepsze oferty, pomagam zwi\u0119kszy\u0107 zdolno\u015b\u0107 kredytow\u0105, skompletowa\u0107 dokumenty i z\u0142o\u017cy\u0107 wnioski. <\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Na ocen\u0119 zdolno\u015bci kredytowej warto si\u0119 przygotowa\u0107, i to jeszcze przed z\u0142o\u017ceniem wniosku o udzielenie finansowania. <strong>Pomo\u017ce w tym \u2013 bezp\u0142atnie \u2013 ekspert finansowy. Zapraszam na konsultacj\u0119 w Poznaniu i okolicach. Nazywam si\u0119 Przemys\u0142aw Ma\u0142yga<\/strong> i wspieram w uzyskaniu korzystnego kredytu, na ka\u017cdym etapie \u2013 rekomenduj\u0119 najlepsze oferty, pomagam zwi\u0119kszy\u0107 zdolno\u015b\u0107 kredytow\u0105, skompletowa\u0107 dokumenty i z\u0142o\u017cy\u0107 wnioski. <\/p>\n"]},{"blockName":"core\/paragraph","attrs":{"className":"","epAnimationGeneratedClass":"edplus_anim-MCERNy","epGeneratedClass":"eplus-wrapper"},"innerBlocks":[],"innerHTML":"\n<p class=\" eplus-wrapper\">Aby dobrze si\u0119 przygotowa\u0107 do oceny, warto w pierwszym kroku oszacowa\u0107 swoj\u0105 zdolno\u015b\u0107 oraz sprawdzi\u0107 zad\u0142u\u017cenie i histori\u0119 kredytow\u0105, korzystaj\u0105c z Biura Informacji Kredytowej i innych rejestr\u00f3w. Nast\u0119pnie nale\u017cy podj\u0105\u0107 kroki, aby zdolno\u015b\u0107 kredytow\u0105 zwi\u0119kszy\u0107 poprzez m.in.:<\/p>\n","innerContent":["\n<p class=\" eplus-wrapper\">Aby dobrze si\u0119 przygotowa\u0107 do oceny, warto w pierwszym kroku oszacowa\u0107 swoj\u0105 zdolno\u015b\u0107 oraz sprawdzi\u0107 zad\u0142u\u017cenie i histori\u0119 kredytow\u0105, korzystaj\u0105c z Biura Informacji Kredytowej i innych rejestr\u00f3w. Nast\u0119pnie nale\u017cy podj\u0105\u0107 kroki, aby zdolno\u015b\u0107 kredytow\u0105 zwi\u0119kszy\u0107 poprzez m.in.:<\/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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