{"id":11,"date":"2026-05-19T16:36:41","date_gmt":"2026-05-19T16:36:41","guid":{"rendered":"http:\/\/refinansowowanie-kredytu-hipotecznego.pl\/?page_id=11"},"modified":"2026-05-19T16:53:02","modified_gmt":"2026-05-19T16:53:02","slug":"refinansowanie-kredytu-hipotecznego","status":"publish","type":"page","link":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/?page_id=11","title":{"rendered":"Refinansowanie kredytu hipotecznego"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; specialty=&#8221;on&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f7f6f2&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;1_2&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Refinansowanie kredytu hipotecznego<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; header_3_text_color=&#8221;#ad8950&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; custom_margin=&#8221;||-7px|||&#8221;]<\/p>\n<h3 class=\"p1\"><span class=\"s1\">Tw\u00f3j kredyt hipoteczny mo\u017ce kosztowa\u0107 mniej<\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;19px|||||&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;15px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\"><span class=\"s1\">Sprawd\u017a, czy mo\u017cesz przenie\u015b\u0107 kredyt hipoteczny do innego banku, obni\u017cy\u0107 miesi\u0119czn\u0105 rat\u0119 i poprawi\u0107 warunki sp\u0142aty. Por\u00f3wnujemy aktualne oferty bank\u00f3w, liczymy koszty przeniesienia kredytu <br \/>i pokazujemy na liczbach, czy refinansowanie kredytu hipotecznego naprawd\u0119 si\u0119 op\u0142aca.<\/span><\/p>\n<p class=\"p2\">\n<ul class=\"ul1\">\n<li class=\"li3\"><span class=\"s1\">Por\u00f3wnanie ofert wielu bank\u00f3w, nie tylko jednej propozycji<\/span><\/li>\n<li class=\"li3\"><span class=\"s1\">Wst\u0119pna analiza koszt\u00f3w refinansowania kredytu hipotecznego<\/span><\/li>\n<li class=\"li3\"><span class=\"s1\">Online w ca\u0142ej Polsce i stacjonarnie w wojew\u00f3dztwie \u0142\u00f3dzkim<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; column_structure=&#8221;1_2,1_2&#8243;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_2&#8243;][et_pb_button button_text=&#8221;Oblicz wst\u0119pn\u0105 rat\u0119&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#000000&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; button_text_size=&#8221;16px&#8221;][\/et_pb_button][\/et_pb_column_inner][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_2&#8243;][et_pb_button button_text=&#8221;Konsultacja&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#ad8950&#8243; button_bg_enable_color=&#8221;on&#8221; button_text_size=&#8221;17px&#8221; button_border_width=&#8221;0px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;http:\/\/refinansowowanie-kredytu-hipotecznego.pl\/wp-content\/uploads\/2026\/05\/kp_Easy-Resize.com_.jpg&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_row _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; custom_margin=&#8221;||10px|||&#8221;]<\/p>\n<h2>Ile mo\u017cesz traci\u0107 na obecnym kredycie?<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; text_font_size=&#8221;15px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\"><span class=\"s1\">Kredyt hipoteczny zaci\u0105gni\u0119ty kilka lat temu nie zawsze jest dzi\u015b najkorzystniejszym rozwi\u0105zaniem. Zmieniaj\u0105 si\u0119 mar\u017ce, oprocentowanie, promocje bank\u00f3w i Twoja sytuacja finansowa. Dlatego warto sprawdzi\u0107 refinansowanie kredytu hipotecznego, zanim przez kolejne lata b\u0119dziesz sp\u0142aca\u0107 rat\u0119 na nieaktualnych warunkach.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_number_counter title=&#8221;tyle miesi\u0119cznie mo\u017ce wynosi\u0107 r\u00f3\u017cnica mi\u0119dzy star\u0105 a korzystniejsz\u0105 rat\u0105 w wybranych przypadkach&#8221; number=&#8221;300-500 z\u0142&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; number_text_color=&#8221;#ad8950&#8243; title_font_size=&#8221;15px&#8221; percent_sign=&#8221;off&#8221; number_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_number_counter][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_number_counter title=&#8221;tyle cz\u0119sto zostaje do ko\u0144ca sp\u0142aty kredytu, wi\u0119c nawet ma\u0142a r\u00f3\u017cnica w racie ma du\u017ce znaczenie&#8221; number=&#8221;15-25 lat&#8221; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; title_font_size=&#8221;15px&#8221; number_text_color=&#8221;#ad8950&#8243; number_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_number_counter][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_number_counter title=&#8221;warto por\u00f3wna\u0107 minimum kilka wariant\u00f3w, zanim zdecydujesz si\u0119 na przeniesienie kredytu&#8221; number=&#8221;3+ oferty&#8221; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; title_font_size=&#8221;15px&#8221; number_text_color=&#8221;#ad8950&#8243; number_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_number_counter][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;1_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_number_counter title=&#8221;koszt wst\u0119pnej analizy mo\u017cliwo\u015bci refinansowania&#8221; number=&#8221;0 z\u0142&#8221; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; title_font_size=&#8221;15px&#8221; number_text_color=&#8221;#ad8950&#8243; number_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_number_counter][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;44px|||||&#8221;][et_pb_row _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;3_5,2_5&#8243;][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;3_5&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2 class=\"p1\"><span class=\"s1\">Refinansowanie kredytu hipotecznego \u2014 co to jest?<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; text_font_size=&#8221;15px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\"><span class=\"s1\">Refinansowanie kredytu hipotecznego to przeniesienie obecnego kredytu do innego banku na nowych warunkach. W praktyce nowy bank sp\u0142aca Tw\u00f3j dotychczasowy kredyt, a Ty zaczynasz sp\u0142aca\u0107 nowe zobowi\u0105zanie \u2014 cz\u0119sto z inn\u0105 rat\u0105, innym oprocentowaniem, inn\u0105 mar\u017c\u0105 lub zmienionym okresem kredytowania.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Najwa\u017cniejsze nie jest jednak samo przeniesienie kredytu, ale odpowied\u017a na pytanie: czy po uwzgl\u0119dnieniu wszystkich koszt\u00f3w refinansowanie naprawd\u0119 si\u0119 op\u0142aca? Dlatego analizujemy nie tylko wysoko\u015b\u0107 nowej raty, ale tak\u017ce ca\u0142kowity koszt kredytu, prowizje, op\u0142aty s\u0105dowe, wycen\u0119 nieruchomo\u015bci oraz warunki wcze\u015bniejszej sp\u0142aty.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Refinansowanie jako poj\u0119cie oznacza zast\u0105pienie jednego \u017ar\u00f3d\u0142a finansowania innym, a w przypadku kredytu hipotecznego najcz\u0119\u015bciej chodzi o sp\u0142at\u0119 starego kredytu nowym zobowi\u0105zaniem na potencjalnie lepszych warunkach.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_text=&#8221;Kalkulator refinansowania &#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#ad8950&#8243; button_bg_enable_color=&#8221;on&#8221; button_border_width=&#8221;0px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;2_5&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;http:\/\/refinansowowanie-kredytu-hipotecznego.pl\/wp-content\/uploads\/2026\/05\/kp_Easy-Resize.com_.jpg&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f7f6f2&#8243; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; min_height=&#8221;258px&#8221;][et_pb_row _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Co mo\u017cesz zyska\u0107 dzi\u0119ki refinansowaniu kredytu hipotecznego?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refinansowanie kredytu hipotecznegoTw\u00f3j kredyt hipoteczny mo\u017ce kosztowa\u0107 mniejSprawd\u017a, czy mo\u017cesz przenie\u015b\u0107 kredyt hipoteczny do innego banku, obni\u017cy\u0107 miesi\u0119czn\u0105 rat\u0119 i poprawi\u0107 warunki sp\u0142aty. Por\u00f3wnujemy aktualne oferty bank\u00f3w, liczymy koszty przeniesienia kredytu i pokazujemy na liczbach, czy refinansowanie kredytu hipotecznego naprawd\u0119 si\u0119 op\u0142aca. Por\u00f3wnanie ofert wielu bank\u00f3w, nie tylko jednej propozycji Wst\u0119pna analiza koszt\u00f3w refinansowania kredytu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-11","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/pages\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11"}],"version-history":[{"count":19,"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/pages\/11\/revisions"}],"predecessor-version":[{"id":51,"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=\/wp\/v2\/pages\/11\/revisions\/51"}],"wp:attachment":[{"href":"https:\/\/refinansowowanie-kredytu-hipotecznego.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}