{"id":11662,"date":"2022-03-25T14:21:00","date_gmt":"2022-03-25T13:21:00","guid":{"rendered":"https:\/\/leasing.sos.pl\/?p=11662"},"modified":"2022-04-01T16:37:40","modified_gmt":"2022-04-01T14:37:40","slug":"problemy-ze-splacaniem-leasingu-kryzys","status":"publish","type":"post","link":"https:\/\/leasing.sos.pl\/blog\/problemy-ze-splacaniem-leasingu-kryzys\/","title":{"rendered":"Leasing w dobie kryzysu &#8211; co trzeba wiedzie\u0107, nie tylko gdy przyjd\u0105 problemy z leasingiem?"},"content":{"rendered":"\n<p>Tutaj zam\u00f3wisz leasing w 30 sek. Zapytanie o Tw\u00f3j leasing wy\u015blemy do 20 najlepszych firm leasingowych w Polsce z pro\u015bb\u0105 o oferty dla Ciebie. Oczekuj na kontakt w ci\u0105gu 10 godz.<\/p>\n\n\n<style>.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);row-gap:var(--global-kb-gap-sm, 1rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_a34602-f6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1){order:2;}}@media all and (max-width: 1024px){.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2){order:1;}}@media all and (max-width: 1024px){.kb-row-layout-id_a34602-f6 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3){order:12;}}@media all and 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class=\"rank-math-breadcrumb\"><p><span class=\"last\">Leasingi<\/span><\/p><\/nav>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-kryzys-dotyka-wszystkich-r%C3%B3wnie%C5%BC-tych-z-leasingiem-w-portfelu\">Kryzys dotyka wszystkich, r\u00f3wnie\u017c tych z leasingiem w portfelu<\/h2>\n\n\n\n<p>Od pierwszego potwierdzonego przypadku zara\u017cenia wirusem SARS-CoV-2 min\u0119\u0142o ju\u017c du\u017co czasu. Cho\u0107 restrykcje zwi\u0105zane z pandemi\u0105 poluzowa\u0142y to nadal odczuwamy jej obecno\u015b\u0107. Ale przecie\u017c nie tylko pandemia wp\u0142ywa na gospodark\u0119. Tak samo dzieje si\u0119 w przypadku innych nieprzewidzianych  zmienno\u015bci, kt\u00f3re wprowadzaj\u0105 niepo\u017c\u0105dany stan gospodarki nazywany kryzysem.<\/p>\n\n\n\n<p>Biznes to powi\u0105zana wzajemnymi zale\u017cno\u015bciami struktura. Jego zast\u00f3j generuje du\u017cy niepok\u00f3j u przedsi\u0119biorc\u00f3w. Je\u015bli dzia\u0142alno\u015b\u0107 gospodarcza nie ma szans na zbyt, to trudno regulowa\u0107 bie\u017c\u0105ce zobowi\u0105zania. W sytuacji kryzysu gospodarczego musz\u0105 odnajdywa\u0107 si\u0119 wszyscy uczestnicy rynku, w tym leasingobiorcy. <\/p>\n\n\n\n<p>Ostatnio szczeg\u00f3lnie z tych bran\u017c, kt\u00f3rych pandemia dotkn\u0119\u0142a najbardziej, czyli gastronomii, rolnictwa, budownictwa, ubezpiecze\u0144, produkcji przemys\u0142owej, nieruchomo\u015bci, transportu, turystyki, eventowej czy reklamy i marketingu oraz wszelkich us\u0142ug im towarzysz\u0105cym.<\/p>\n\n\n\n<p>Cho\u0107, gdy przyjdzie kryzys mo\u017cna liczy\u0107 na wi\u0119ksz\u0105 lub mniejsz\u0105 pomocy ze strony rz\u0105dz\u0105cych to warto samemu zadba\u0107 o wiedz\u0119 dotycz\u0105c\u0105 tego, jak radzi\u0107 sobie jak w sytuacji kryzysu w relacji do firm leasingowych, z us\u0142ug kt\u00f3rych korzystamy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-czy-bra%C4%87-leasing-w-czasie-kryzysu\">Czy bra\u0107 leasing w czasie kryzysu?<\/h2>\n\n\n\n<p>W sytuacji kryzysowej bardzo wa\u017cnym jest, aby odpowiednio przeanalizowa\u0107 stabilno\u015b\u0107 \u017ar\u00f3de\u0142 przychod\u00f3w i dopiero, wtedy podj\u0105\u0107 decyzj\u0119. Naturalnie, je\u015bli Twoja bran\u017ca w dobie kryzysu dobrze sobie radzi, nie musisz si\u0119 przejmowa\u0107. <a aria-label=\"Stopa referencyjna NBP (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" href=\"https:\/\/www.nbp.pl\/home.aspx?f=\/dzienne\/stopy.htm\" target=\"_blank\" class=\"rank-math-link\">Stopa referencyjna NBP<\/a> jest obecnie na tak niskim poziomie, \u017ce op\u0142acalno\u015b\u0107 leasingu si\u0119gn\u0119\u0142a niespotykanego w ostatniej dekadzie korzystnego poziomu. To okazja by w\u0142a\u015bnie <a aria-label=\"teraz si\u0119gn\u0105\u0107 po leasing (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing-online\/\" target=\"_blank\" class=\"rank-math-link\">teraz si\u0119gn\u0105\u0107 po leasing<\/a>, je\u015bli dla Ciebie <a href=\"https:\/\/leasing.sos.pl\/blog\/kryzys-okazja-biznesowa\/\" class=\"rank-math-link\">kryzys to okazja biznesowa<\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Czy wiesz, gdzie uda\u0107 si\u0119 po leasing?<\/strong><\/p><cite>Udaj\u0105c si\u0119 do banku mo\u017cesz liczy\u0107<strong> tylko na ofert\u0119 tego jednego banku. Bez mo\u017cliwo\u015bci por\u00f3wnania<\/strong> go w szerszym kontek\u015bcie. Automatyczne rankingi i por\u00f3wnywarki leasing\u00f3w bankowych nie istniej\u0105. Z prostej przyczyny &#8211; ka\u017cdy leasing jest analizowany osobno a<strong> czynniki, kt\u00f3re wp\u0142yn\u0105 na ostateczn\u0105 jego cen\u0119<\/strong> nie zale\u017c\u0105 tylko od warunk\u00f3w, kt\u00f3re oferuje bank (mar\u017ca banku za udzielenie + oprocentowanie + WIBOR) ale te\u017c od zdolno\u015bci do zaci\u0105gania zobowi\u0105za\u0144 przez leasingobiorc\u0119 oraz od samego przedmiotu leasingu.<br>By mie\u0107 mo\u017cliwo\u015b\u0107 wyboru najta\u0144szego albo najkorzystniejszego leasingu (tani, nie zawsze oznacza korzystny!) warto kierowa\u0107 si\u0119 do po\u015brednik\u00f3w leasingowych, kt\u00f3rzy maj\u0105 <strong>rozeznanie w wi\u0119kszej ofercie ni\u017c tylko jednego banku<\/strong>. Spr\u00f3buj i zam\u00f3w <a href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing-online\/\">oferty na leasing online<\/a>!<\/cite><\/blockquote>\n\n\n\n<p>W czasach kryzysowych jednak zauwa\u017calne jest podnoszenie wymaga\u0144 dotycz\u0105cych zawierania nowych um\u00f3w leasingowych. Trzeba pami\u0119ta\u0107, \u017ce instytucje finansowe te\u017c si\u0119 zabezpieczaj\u0105 i nie s\u0105 sk\u0142onne udziela\u0107 finansowania na wszystko i wszystkim w niepewnych czasach. Warto zatem \u015bledzi\u0107 aktualne zmiany w regulaminach bankowych by wiedzie\u0107 na jakie przedmioty wstrzymano finansowanie oraz pod jakimi warunkami si\u0119 go udziela. Je\u015bli nie posiadasz takiej wiedzy, nie wahaj si\u0119 zasi\u0119gn\u0105\u0107 porady. Mo\u017cesz j\u0105 uzyska\u0107 u profesjonalnych doradc\u00f3w &#8211; cho\u0107by zamawiaj\u0105c <a href=\"https:\/\/leasing.sos.pl\/kontakt\/\" class=\"rank-math-link\">kontakt<\/a> na naszym portalu &#8211; bez wstawiania zza w\u0142asnego biurka i za darmo.<\/p>\n\n\n\n<p>Parafrazuj\u0105c klasyka: Je\u017celi przewidujesz, \u017ce Twoja firma jest w dobrej kondycji finansowej i najbli\u017csza przysz\u0142o\u015b\u0107 tego nie zmieni to #leasing w dobie kryzysu b\u0119dzie doskona\u0142\u0105 inwestycj\u0105 w Twojej firmie \u2013 bo przede wszystkim tani\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-jak-nie-popa%C5%9B%C4%87-w-problemy-z-leasingiem-podczas-kryzysu\">Jak nie popa\u015b\u0107 w problemy z leasingiem podczas kryzysu?<\/h2>\n\n\n\n<p>Niestety, wi\u0119kszo\u015b\u0107 bran\u017c nie ma takiego szcz\u0119\u015bcia, gdy nastaje kryzys i zastaje je z leasingiem w portfelu. Wtedy cz\u0119sto pojawiaj\u0105 si\u0119 problemy z terminowym regulowaniem op\u0142at leasingowych lub za najem d\u0142ugoterminowy. <\/p>\n\n\n\n<p>Klienci posiadaj\u0105cy przedmioty w leasingu mog\u0105 jednak liczy\u0107 na korzystne rozwi\u0105zania. Warto si\u0119 im przyjrze\u0107 by wiedzie\u0107, z kt\u00f3rego instrumentu skorzysta\u0107 aby szybko nie popa\u015b\u0107 w problemy z leasingiem, gdy nadejdzie kryzys gospodarczy.<\/p>\n\n\n\n<p>Co istotne, bran\u017ca leasingowa &#8211; do\u015bwiadczona kryzysami z przesz\u0142o\u015bci &#8211; sama wypracowa\u0142a pewne rozwi\u0105zania, kt\u00f3rych zadaniem jest u\u0142atwienie firmom walki z efektami kryzysu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-w-jaki-spos%C3%B3b-radzi%C4%87-sobie-ze-sp%C5%82at%C4%85-rat-leasingu-podczas-kryzysu\">W jaki spos\u00f3b radzi\u0107 sobie ze sp\u0142at\u0105 rat leasingu podczas kryzysu?<\/h2>\n\n\n\n<p>Gospodarka podlega fluktuacjom i gdy nadchodzi kryzys warto by\u0107 na niego przygotowanym cho\u0107by w najmniejszym stopniu. By nie spotka\u0142y Ci\u0119 wi\u0119ksze problemy podejmij dzia\u0142ania zawczasu. Je\u015bli b\u0119dziesz zwleka\u0107 a niedostateczne przychody w przysz\u0142o\u015bci uniemo\u017cliwi\u0105 regularn\u0105 sp\u0142at\u0119 rat leasingowych \u2013 wtedy mo\u017ce by\u0107 ju\u017c za p\u00f3\u017ano. Tego jednak rozs\u0105dnym przedsi\u0119biorcom t\u0142umaczy\u0107 chyba nie trzeba.<\/p>\n\n\n\n<p>Przede wszystkim postaw na kontakt z Twoim leasingodawc\u0105. To warunek sine qua non, je\u015bli spodziewasz si\u0119 problem\u00f3w z p\u0142ynno\u015bci\u0105 finansow\u0105. Firmy leasingowe maj\u0105 odpowiednie procedury na t\u0119 okoliczno\u015b\u0107. One r\u00f3wnie\u017c przygotowa\u0142y si\u0119 do kryzysu, bo \u2013 co istotne \u2013 zupe\u0142nie nie zale\u017cy im na tym by pozbawia\u0107 Ci\u0119 <a aria-label=\"przedmiotu leasingu (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/przedmiot-leasingu\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">przedmiotu leasingu<\/a>. Chc\u0105 pom\u00f3c i \u2013 pozostaj\u0105c w zgodzie z w\u0142asnymi interesami \u2013 w miar\u0119 swoich mo\u017cliwo\u015bci u\u0142atwi\u0107 Ci przej\u015bcie przez ten trudny okres.<\/p>\n\n\n\n<p>Je\u015bli zatem wiesz, \u017ce terminowe regulowanie zobowi\u0105za\u0144 przez Twoj\u0105 firm\u0119 b\u0119dzie utrudnione, poinformuj o tym swojego dostawc\u0119 leasingu. Bo gdy Tw\u00f3j d\u0142ug naro\u015bnie, a Ty jednocze\u015bnie b\u0119dziesz unika\u0142 kontaktu, to nie powinno Ci\u0119 zdziwi\u0107 rych\u0142e wezwanie do zap\u0142aty, wypowiedzenie umowy leasingu czy w ostateczno\u015bci egzekucja komornicza. Dlatego zaufaj leasingodawcy i komunikuj mu swoje problemy. W chwili kryzysu s\u0105 one obiektywne \u2013 wszyscy zdaj\u0105 sobie z nich spraw\u0119. W sektorze bankowym nie jest inaczej.<\/p>\n\n\n\n<p>Aby wspom\u00f3c Ci\u0119 w problemach, instytucje finansowe przygotowa\u0142y specjalne procedury i celowane wnioski by\u015b jak najszybciej i najpro\u015bciej m\u00f3g\u0142 skorzysta\u0107 z dost\u0119pnych mo\u017cliwo\u015bci.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_656575-f7{margin-bottom:-10px;}.kb-row-layout-id_656575-f7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_656575-f7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_656575-f7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 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alignnone\"><style>.kt-svg-item-_be0784-78 .kb-svg-icon-wrap{color:var(--global-palette1, #3182CE);font-size:50px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-_be0784-78\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_lightbulb\"><svg viewBox=\"0 0 384 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M272 428v28c0 10.449-6.68 19.334-16 22.629V488c0 13.255-10.745 24-24 24h-80c-13.255 0-24-10.745-24-24v-9.371c-9.32-3.295-16-12.18-16-22.629v-28c0-6.627 5.373-12 12-12h136c6.627 0 12 5.373 12 12zm-143.107-44c-9.907 0-18.826-6.078-22.376-15.327C67.697 267.541 16 277.731 16 176 16 78.803 94.805 0 192 0s176 78.803 176 176c0 101.731-51.697 91.541-90.516 192.673-3.55 9.249-12.47 15.327-22.376 15.327H128.893zM112 176c0-44.112 35.888-80 80-80 8.837 0 16-7.164 16-16s-7.163-16-16-16c-61.757 0-112 50.243-112 112 0 8.836 7.164 16 16 16s16-7.164 16-16z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"]{margin-top:20px;text-align:center;font-size:36px;font-weight:700;font-style:normal;text-transform:uppercase;letter-spacing:1.5px;}.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1 mark, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1, .wp-block-kadence-advancedheading.kt-adv-heading_2d55fc-db1[data-kb-block=\"kb-adv-heading_2d55fc-db1\"]{line-height:34px;}}<\/style>\n<p class=\"kt-adv-heading_2d55fc-db1 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading_2d55fc-db1\">LEASING BEZPO\u015aREDNI?<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_af1201-452, .wp-block-kadence-advancedheading.kt-adv-heading_af1201-452[data-kb-block=\"kb-adv-heading_af1201-452\"]{text-align:center;font-weight:600;font-style:normal;text-transform:lowercase;letter-spacing:0px;}.wp-block-kadence-advancedheading.kt-adv-heading_af1201-452 mark, .wp-block-kadence-advancedheading.kt-adv-heading_af1201-452[data-kb-block=\"kb-adv-heading_af1201-452\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<div class=\"kt-adv-heading_af1201-452 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading_af1201-452\"><em>U\u017cyj poni\u017cszego kwestionariusza a nasi partnerzy (banki i firmy leasingowe) przygotuj\u0105 niezb\u0119dne informacje w sprawie leasingu oraz jego wyceny!<\/em><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette3, #1A202C);width:80%;border-top-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:50px!important;}}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-_f0caea-fe .kt-block-spacer{height:35px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_f0caea-fe\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id_96f954-ff{margin-top:30px;margin-bottom:-15px;}.kb-row-layout-id_96f954-ff > 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class=\"kb-row-layout-wrap kb-row-layout-id_96f954-ff alignwide wp-block-kadence-rowlayout\"><div class=\"kt-blocks-carousel kb-blocks-bg-slider kt-carousel-container-dotstyle-none\"><div class=\"kt-blocks-carousel-init kb-blocks-bg-slider-init kt-carousel-arrowstyle-none kt-carousel-dotstyle-none\" data-slider-anim-speed=\"400\" data-slider-type=\"slider\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-fade=\"true\" data-slider-dots=\"false\" data-slider-hover-pause=\"false\" data-slider-auto=\"true\" data-slider-speed=\"500\"><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-0\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Santander-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-1\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Idea-Getin-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-2\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/mLeasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-3\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/PEAC-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-4\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Impuls-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-5\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/ING-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-6\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Millennium-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-7\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/SGB-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-8\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Pekao-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-9\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Noble-Finance-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-10\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/PKO-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-11\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/EFL-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-12\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Cofidis-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-13\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/GRENKE-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-14\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/BNP-Paribas-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-15\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/BOS-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-16\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Alior-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><div class=\"kb-bg-slide-contain\"><div class=\"kb-bg-slide kb-bg-slide-17\" style=\"background-image:url(https:\/\/leasing.sos.pl\/wp-content\/uploads\/Polski-Leasing-SOS.png); background-size:auto; background-position:center top; background-repeat:no-repeat;\"><\/div><\/div><\/div><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column_264a89-66 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-4xl, 8rem);padding-left:var(--global-kb-spacing-4xl, 8rem);}.kadence-column_264a89-66 > .kt-inside-inner-col,.kadence-column_264a89-66 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_264a89-66 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_264a89-66 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_264a89-66 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_264a89-66 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_264a89-66{position:relative;}@media all and (max-width: 1024px){.kadence-column_264a89-66 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_264a89-66 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_264a89-66 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"frm_forms  with_frm_style frm_center_submit frm_style_kadence\" id=\"frm_form_17_container\" ><form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_ajax_submit  frm_pro_form  frm_logic_form \" id=\"form_pytania_leasing\"  ><div class=\"frm_form_fields  frm_page_num_1\"><fieldset><legend class=\"frm_screen_reader\">L.4  Leasing bezpo\u015bredni<\/legend><div class=\"frm_fields_container\"><input type=\"hidden\" name=\"frm_action\" value=\"create\" \/><input type=\"hidden\" name=\"form_id\" value=\"17\" \/><input type=\"hidden\" name=\"frm_hide_fields_17\" id=\"frm_hide_fields_17\" value=\"\" \/><input type=\"hidden\" name=\"form_key\" value=\"pytania_leasing\" \/><input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/><input type=\"hidden\" id=\"frm_submit_entry_17\" name=\"frm_submit_entry_17\" value=\"6077758959\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/11662\/\" \/><input type=\"hidden\" name=\"item_meta[811]\" id=\"field_jq23f\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[812]\" id=\"field_8xaj9\" value=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/11662\/\"  data-frmval=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/11662\/\"   \/><input type=\"hidden\" name=\"item_meta[1399]\" id=\"field_cc17t\" value=\"\" \/><div id=\"frm_field_302_container\" class=\"frm_form_field frm_section_heading form-field \"><h3 class=\"frm_pos_top frm_section_spacing\">Co planujesz wyleasingowa\u0107?<\/h3><div id=\"frm_field_326_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm_three_col\"><div  id=\"field_ko1zz_label\" class=\"frm_primary_label\"><span class=\"frm_required\"><\/span><\/div><div class=\"frm_opt_container\" aria-labelledby=\"field_ko1zz_label\" role=\"radiogroup\" aria-required=\"true\"><div class=\"frm_radio\" id=\"frm_radio_326-302-0\"><label for=\"field_ko1zz-0\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-0\" value=\"Maszyny rolnicze, le\u015bne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny rolnicze, le\u015bne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-1\"><label for=\"field_ko1zz-1\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-1\" value=\"Technologie i automatyka\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Technologie i automatyka<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-2\"><label for=\"field_ko1zz-2\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-2\" value=\"Auta osobowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Auta osobowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-3\"><label for=\"field_ko1zz-3\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-3\" value=\"Jachty, \u0142odzie, motor\u00f3wki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Jachty, \u0142odzie, motor\u00f3wki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-4\"><label for=\"field_ko1zz-4\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-4\" value=\"Maszyny CNC, frezarki, obrabiarki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny CNC, frezarki, obrabiarki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-5\"><label for=\"field_ko1zz-5\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-5\" value=\"Sprz\u0119t i meble do biur, sklep\u00f3w\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t i meble do biur, sklep\u00f3w<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-6\"><label for=\"field_ko1zz-6\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-6\" value=\"Sprz\u0119t warsztatowy, narz\u0119dzia\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t warsztatowy, narz\u0119dzia<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-7\"><label for=\"field_ko1zz-7\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-7\" value=\"Sprz\u0119t IT, serwery, oprogramowanie\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t IT, serwery, oprogramowanie<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-8\"><label for=\"field_ko1zz-8\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-8\" value=\"Biura, magazyny i nieruchomo\u015bci\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Biura, magazyny i nieruchomo\u015bci<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-9\"><label for=\"field_ko1zz-9\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-9\" value=\"Busy i pojazdy dostawcze\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Busy i pojazdy dostawcze<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-10\"><label for=\"field_ko1zz-10\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-10\" value=\"Ci\u0105gniki siod\u0142owe, naczepy\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Ci\u0105gniki siod\u0142owe, naczepy<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-11\"><label for=\"field_ko1zz-11\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-11\" value=\"W\u00f3zki wid\u0142owe i paleciaki\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> W\u00f3zki wid\u0142owe i paleciaki<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-12\"><label for=\"field_ko1zz-12\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-12\" value=\"Sprz\u0119t kosmetyczny, fitness\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t kosmetyczny, fitness<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-13\"><label for=\"field_ko1zz-13\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-13\" value=\"Linie lub maszyny produkcyjne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Linie lub maszyny produkcyjne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-14\"><label for=\"field_ko1zz-14\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-14\" value=\"Skutery, motocykle i quady\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Skutery, motocykle i quady<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-15\"><label for=\"field_ko1zz-15\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-15\" value=\"Pojazdy specjalistyczne\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Pojazdy specjalistyczne<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-16\"><label for=\"field_ko1zz-16\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-16\" value=\"Autokary, busy osobowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Autokary, busy osobowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-17\"><label for=\"field_ko1zz-17\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-17\" value=\"Panele, fotowoltaika\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Panele, fotowoltaika<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-18\"><label for=\"field_ko1zz-18\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-18\" value=\"Sprz\u0119t i maszyny wytw\u00f3rcze\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t i maszyny wytw\u00f3rcze<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-19\"><label for=\"field_ko1zz-19\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-19\" value=\"Maszyny budowlane, drogowe\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Maszyny budowlane, drogowe<\/label><\/div><div class=\"frm_radio\" id=\"frm_radio_326-302-20\"><label for=\"field_ko1zz-20\"><input type=\"radio\" name=\"item_meta[326]\" id=\"field_ko1zz-20\" value=\"Sprz\u0119t medyczny, dla aptek\"   data-sectionid=\"302\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\" aria-invalid=\"false\"  \/> Sprz\u0119t medyczny, dla aptek<\/label><\/div><\/div><\/div><\/div><input type=\"hidden\" name=\"frm_page_order_17\" id=\"frm_page_order_17\" value=\"13\" \/><input type=\"hidden\" name=\"item_meta[329]\" id=\"field_b6roe\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1010]\" id=\"field_mcmxc\" value=\"\"  data-sectionid=\"329\"\/><input type=\"hidden\" name=\"item_meta[1609]\" id=\"field_qxrtl\" value=\"Netto\"  data-sectionid=\"329\" data-frmval=\"Netto\"   \/><input type=\"hidden\" name=\"item_meta[330]\" id=\"field_q1v84\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1915]\" id=\"field_52ecy\" value=\"5269\"  data-frmval=\"5269\"   \/><input type=\"hidden\" name=\"item_meta[328]\" id=\"field_ix62n\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1404]\" id=\"field_zt4ds\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1408]\" id=\"field_naei3-0\" value=\"Firma\/JDG\"  data-sectionid=\"336\" data-frmval=\"Firma\/JDG\"   \/><input type=\"hidden\" name=\"item_meta[1414]\" id=\"field_r7zxt\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1407]\" id=\"field_st0ro\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1409]\" id=\"field_cv9ar\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[335]\" id=\"field_qd5jo-0\" value=\"\"  data-sectionid=\"332\"\/><input type=\"hidden\" name=\"item_meta[333]\" id=\"field_bx6id\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[334]\" id=\"field_f0pde\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1419]\" id=\"field_biivq\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[340]\" id=\"field_y2niu-0\" value=\"\"  data-sectionid=\"1419\"\/><input type=\"hidden\" name=\"item_meta[1420]\" id=\"field_xt6un\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1421]\" id=\"field_l7cc8\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[1405]\" id=\"field_7h7tz-0\" value=\"\"  data-sectionid=\"1421\"\/><input type=\"hidden\" name=\"item_meta[1422]\" id=\"field_wep20\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[343]\" id=\"field_mqvfe\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[341]\" id=\"field_ccy38\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[322]\" id=\"field_ymr4xadb5e748af-0\" value=\"\"  data-sectionid=\"341\"\/><input type=\"hidden\" name=\"item_meta[342]\" id=\"field_e9mf\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[346]\" id=\"field_xeoaz\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[317]\" id=\"field_wku54d87c2fea78\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[318]\" id=\"field_7e99f\" value=\"\"  data-sectionid=\"317\" pattern=\"[^\\s]+$\"   \/><input type=\"hidden\" name=\"item_meta[1411]\" id=\"field_2nrkq\" value=\"\"  data-sectionid=\"317\"\/><input type=\"hidden\" name=\"item_meta[319]\" id=\"field_cfqcz5f07741e8d\" value=\"\"  data-sectionid=\"317\"\/><input type=\"hidden\" name=\"item_meta[320]\" id=\"field_og4gva4be54afcb\" value=\"\"  data-sectionid=\"317\"\/><input type=\"hidden\" name=\"item_meta[321]\" id=\"field_xxju1d0ee562119\" value=\"\"  data-sectionid=\"317\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[1412]\" id=\"field_kg85x\" value=\"\"  data-sectionid=\"317\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[323]\" id=\"field_bosaf1c886bc9d5\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[324]\" id=\"field_45aa980f4d8b05c-0\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[831]\" id=\"field_eei0n\" value=\"\" \/><input type=\"hidden\" name=\"item_meta[2375]\" id=\"field_vkxe7\" value=\"\" \/><input type=\"hidden\" name=\"item_key\" value=\"\" \/><div class=\"frm__6562105271e2f\"><label for=\"frm_email_17\" >If you are human, leave this field blank.<\/label><input  id=\"frm_email_17\" type=\"text\" class=\"frm_verify\" name=\"frm__6562105271e2f\" value=\"\" autocomplete=\"false\"  \/><\/div><input name=\"frm_state\" type=\"hidden\" value=\"1aXwvtr3\/MOWX\/ZAvrgramjn0Jbxw4DPuxx+c3YHUU5yD8ZO\/ZgdeQOwMxTG37I0W2SAJcpfbxnEAAJH4aIQ5Q==\" \/><div class=\"frm_submit\"><button class=\"frm_button_submit\" type=\"submit\"  >ZAM\u00d3W LEASING<\/button><\/div><\/div><\/fieldset><\/div><\/form><\/div>\n\n<style>.wp-block-kadence-image.kb-image_e6867a-a0:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:10px;}.kb-image_e6867a-a0 .kb-image-has-overlay:after{opacity:0.3;}@media all and (max-width: 767px){.wp-block-kadence-image.kb-image_e6867a-a0:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:10px;}}<\/style>\n<div class=\"wp-block-kadence-image kb-image_e6867a-a0\"><figure class=\"aligncenter size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"44\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-150x44.png\" alt=\"Leasingujesz bezpiecznie - Certyfikat SSL oraz Norton Safe Web to potwierdzaj\u0105\" class=\"kb-img wp-image-13442\" title=\"Leasingujesz bezpiecznie - Certyfikat SSL oraz Norton Safe Web potwierdzaj\u0105!\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-150x44.png 150w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal-20x6.png 20w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Norton-Security-Web-Safe-Approved-and-SSL-Certificate-for-Leasing-SOS-www-portal.png 200w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_3e8050-ea > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id_3e8050-ea > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id_3e8050-ea alignwide wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column_98fca9-38, .kt-inside-inner-col > .kadence-column_98fca9-38:not(.specificity){margin-top:-15px;}.kadence-column_98fca9-38 > .kt-inside-inner-col,.kadence-column_98fca9-38 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_98fca9-38 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_98fca9-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_98fca9-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_98fca9-38{position:relative;}@media all and (max-width: 1024px){.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_98fca9-38 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_98fca9-38 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-divider{border-top-width:1px;height:1px;border-top-color:var(--global-palette3, #1A202C);width:80%;border-top-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:50px!important;}}@media all and (max-width: 767px){.wp-block-kadence-spacer.kt-block-spacer-_33abc9-0b .kt-block-spacer{height:35px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_33abc9-0b\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"250\" height=\"83\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom.jpg\" alt=\"Fachowcy od leasingu znajd\u0105 dla Ciebie najlepsz\u0105 ofert\u0119 - sprawd\u017a i zaufaj naszym doradcom\" class=\"wp-image-26917\" title=\"\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom.jpg 250w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/untitled-reusable-block-10\/Fachowcy-od-leasingu-znajda-dla-Ciebie-najlepsza-oferte-sprawdz-i-zaufaj-naszym-doradcom-150x50.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/figure><\/div>\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"4-na-jak%C4%85-pomoc-w-sp%C5%82acie-leasingu-mog%C4%85-liczy%C4%87-przedsi%C4%99biorcy\">Na jak\u0105 pomoc w sp\u0142acie leasingu mog\u0105 liczy\u0107 przedsi\u0119biorcy?<\/h3>\n\n\n\n<p>Dost\u0119pne s\u0105 r\u00f3\u017cne rozwi\u0105zania dla firm posiadaj\u0105cych aktualnie obowi\u0105zuj\u0105ce umowy leasingowe:<\/p>\n\n\n\n<ol><li><strong>Zawieszenie sp\u0142aty rat leasingu.<\/strong><\/li><li><strong>Okresowe obni\u017cenie raty.<\/strong><\/li><li><strong>Wyd\u0142u\u017cenie czasu trwania umowy leasingu.<\/strong><\/li><li><strong><a href=\"https:\/\/leasing.sos.pl\/blog\/cesja-leasingu-odstapie\/\" data-type=\"post\" data-id=\"22370\">Cesja\/przeniesienie umowy leasingu<\/a>.<\/strong><\/li><li><strong>Przedterminowy wykup podmiotu od leasingodawcy.<\/strong><\/li><li><strong>Zerwanie umowy i zwrot przedmiotu leasingu.<\/strong><\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-1-czasowe-zawieszenie-rat-leasingu\">1. Czasowe zawieszenie rat leasingu<\/h3>\n\n\n\n<p>Je\u017celi przewidujesz, \u017ce w najbli\u017cszym czasie b\u0119dziesz mie\u0107 problemy ze sp\u0142at\u0105 swoich zobowi\u0105za\u0144 finansowych, to czasowe zawieszenie sp\u0142aty mo\u017ce si\u0119 okaza\u0107 dobrym rozwi\u0105zaniem.&nbsp;W wi\u0119kszo\u015bci bank\u00f3w czas, na jaki masz mo\u017cliwo\u015b\u0107 odroczenia rat leasingowych lub okresowego ich obni\u017cenia, wynosi 90 dni, jednak \u2013 z uwagi na okoliczno\u015bci \u2013 instytucje finansowe mog\u0105 wyd\u0142u\u017cy\u0107 ten okres do 6 miesi\u0119cy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-2-na-czym-polega-okresowe-obni%C5%BCenie-rat-leasingu\">2. Na czym polega okresowe obni\u017cenie rat leasingu?<\/h3>\n\n\n\n<p>Firma leasingowa dokona restrukturyzacji Twojej umowy,&nbsp;co pozwoli Ci na kr\u00f3tkoterminowe ustabilizowanie sytuacji finansowej i niejako przeniesienie obci\u0105\u017ce\u0144 na okresy przysz\u0142e \u2013 miejmy nadziej\u0119, \u017ce ju\u017c bardziej pomy\u015blne z punktu widzenia gospodarki. Po ustaniu okresu obni\u017cenia otrzymasz nowy harmonogram sp\u0142at uwzgl\u0119dniaj\u0105cy owo odroczenie. Wi\u0105\u017ce si\u0119 to z podniesieniem raty w okresach przysz\u0142ych.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-3-wyd%C5%82u%C5%BCenie-trwania-umowy-leasingu\">3. Wyd\u0142u\u017cenie trwania umowy leasingu<\/h3>\n\n\n\n<p>Zawieszenie sp\u0142aty rat to nie jedyna opcja, aby wspom\u00f3c si\u0119 cho\u0107 troch\u0119, gdy dopadaj\u0105 nas finansowe tarapaty. Kolejn\u0105 jest wyd\u0142u\u017cenie umowy leasingu o kilka miesi\u0119cy, co w efekcie zmniejszy dotychczasow\u0105 rat\u0119. Musisz jednak pami\u0119ta\u0107, \u017ce w tym przypadku rata nie spadnie w tak znacznym stopniu, jak w trakcie zawieszenia rat leasingu oraz \u017ce wyb\u00f3r takiego rozwi\u0105zania b\u0119dzie skutkowa\u0107 wniesieniem op\u0142aty manipulacyjnej.&nbsp;Warto tu zaznaczy\u0107, \u017ce mo\u017cna po\u0142\u0105czy\u0107 zawieszenie sp\u0142aty lub czasowe obni\u017cenie rat leasingu z wyd\u0142u\u017ceniem jego umowy, co mo\u017ce da\u0107 jeszcze wi\u0119ksze rezultaty na okoliczno\u015b\u0107 kryzysu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-4-cesja-leasingu-\">4. <a href=\"https:\/\/leasing.sos.pl\/blog\/cesja-leasingu-odstapie\/\" data-type=\"post\" data-id=\"22370\">Cesja leasingu<\/a><\/h3>\n\n\n\n<p>Je\u015bli wpadniesz w k\u0142opoty finansowe zwi\u0105zane z leasingiem, dobrym rozwi\u0105zaniem mo\u017ce okaza\u0107 si\u0119 cesja, czyli przekazanie przedmiotu leasingu innemu leasingobiorcy. Sp\u0142ata dotychczasowych rat przechodzi wtedy na inn\u0105 firm\u0119, a zmiana warunk\u00f3w umowy nie b\u0119dzie potrzebna. Jedynym minusem tego typu rozwi\u0105zania jest czasoch\u0142onno\u015b\u0107 ca\u0142ego procesu, albowiem mo\u017ce by\u0107 trudno znale\u017a\u0107 ch\u0119tnego klienta na przej\u0119cie od nas specjalistycznego pojazdu np. <a href=\"https:\/\/leasing.sos.pl\/blog\/wozki-widlowe-w-leasing\/\" data-type=\"post\" data-id=\"22231\">w\u00f3zka wid\u0142owego w leasingu<\/a>, urz\u0105dzenia np. <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-na-maszyny-do-obrobki-metalu\/\" data-type=\"post\" data-id=\"22143\">leasingowanej maszyny do obr\u00f3bki metalu<\/a> czy leasingowanej nieruchomo\u015bci np. centrum handlowego.<\/p>\n\n\n\n<p>Co istotne, urz\u0119dy skarbowe traktuj\u0105 <a href=\"https:\/\/leasing.sos.pl\/blog\/cesja-leasingu-odstapie\/\" data-type=\"post\" data-id=\"22370\">cesj\u0119 leasingu<\/a>, jako kontynuacj\u0119 \u201estarej\u201d umowy przez \u201enowego\u201d leasingobiorc\u0119 tylko pod warunkiem, \u017ce zmiana stron umowy nie powoduje zmiany innych zapis\u00f3w umowy leasingu \u2013 np. wyd\u0142u\u017cenia lub skr\u00f3cenia czasu jej trwania czy zmiany wysoko\u015bci rat leasingu. Je\u015bli poza zmianami stron inne postanowienia umowy ulegn\u0105 modyfikacji fiskus mo\u017ce uzna\u0107 tak\u0105 umow\u0119, jako ca\u0142kowicie now\u0105!<\/p>\n\n\n\n<p>Co wi\u0105za\u0142oby si\u0119 z takim stanem rzeczy? To, \u017ce nowa umowa musia\u0142aby zosta\u0107 zawarta znowu co najmniej na okres 40% przewidywanego czasu normatywnej amortyzacji przedmiotu leasingu (czyli w przypadku samochod\u00f3w osobowych minimum 2 lata) a tak\u017ce opiera\u0107 si\u0119 na rynkowej warto\u015bci przedmiotu przyj\u0119tej dla cel\u00f3w nowej umowy, co mog\u0142oby podnosi\u0107 rat\u0119.<\/p>\n\n\n\n<p>W dobie kryzysu, leasingobiorcy ratuj\u0105 si\u0119 r\u00f3\u017cnymi dost\u0119pnymi rozwi\u0105zaniami i cz\u0119sto wybieraj\u0105 w\u0142a\u015bnie cesj\u0119 leasingu.<\/p>\n\n\n\n<p>Wyobra\u017amy sobie zatem, \u017ce kto\u015b, kto jaki\u015b czas temu przej\u0105\u0142 umow\u0119 leasingu obecnie chce skorzysta\u0107 np. z prolongaty umowy czy zmiany w harmonogramie sp\u0142at. &nbsp;S\u0142usznie m\u00f3g\u0142by si\u0119 obawia\u0107, \u017ce tym zabiegiem narazi si\u0119 fiskusowi a jego umowa zostanie potraktowana, jako nowa i b\u0119dzie musia\u0142 j\u0105 zawrze\u0107 &#8222;na nowo&#8221; na niekorzystnych warunkach.<\/p>\n\n\n\n<p>Na szcz\u0119\u015bcie nie b\u0119dzie mia\u0142o to ju\u017c miejsca. <a href=\"https:\/\/www.mf.gov.pl\/documents\/764034\/6915408\/Dz.+Urz.+Min.+FFiPR+z+dnia+19+lutego+2021+r.+-+poz.+15+-\" target=\"_blank\" aria-label=\"Og\u00f3lna interpretacja (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Og\u00f3lna interpretacja<\/a> wydana przez Ministerstwo Finans\u00f3w w lutym 2021 r. daje bowiem mo\u017cliwo\u015b\u0107 wprowadzania szeregu zmian w umowach leasingu nie tylko przedsi\u0119biorcom, kt\u00f3rzy znale\u017ali si\u0119 w trudnej sytuacji z powodu pandemii ale r\u00f3wnie\u017c tym, kt\u00f3rzy z innych powod\u00f3w chcieliby dokona\u0107 zmian w umowie \u2026bez obawy, \u017ce wprowadzone zmiany spowoduj\u0105 potraktowanie takiej umowy, jako nowej.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"9-dopuszczalne-zmiany-w-umowie-leasingu-po-cesji\">Dopuszczalne zmiany w umowie leasingu po cesji<\/h4>\n\n\n\n<p>Jakie zatem zmiany w umowach leasingowych nie spowoduj\u0105 negatywnych reperkusji ze strony skarb\u00f3wki i mo\u017cesz czu\u0107 si\u0119 spokojnie przejmuj\u0105c leasing od innego podmiotu?<\/p>\n\n\n\n<p>B\u0119d\u0105 to zmiany polegaj\u0105ce na:<\/p>\n\n\n\n<ul><li>obni\u017ceniu wysoko\u015bci wymagalnych rat leasingowych na skutek wyd\u0142u\u017cenia czasu trwania umowy,<\/li><li>zwi\u0119kszeniu wysoko\u015bci wymagalnych rat leasingowych na skutek skr\u00f3cenia okresu trwania umowy (jednak nie kr\u00f3tszy ni\u017c 40% normatywnego okresu amortyzacji danego przedmiotu leasingu),<\/li><li>zawieszeniu p\u0142atno\u015bci rat przez um\u00f3wiony z leasingodawc\u0105 okres,<\/li><li>obni\u017ceniu wysoko\u015bci p\u0142aconych rat przez um\u00f3wiony z leasingodawc\u0105 okres,<\/li><li>wyd\u0142u\u017ceniu okresu trwania i obni\u017ceniu wysoko\u015bci comiesi\u0119cznych rat leasingowych, przy jednoczesnym zawieszeniu na um\u00f3wiony okres p\u0142atno\u015bci rat oraz zwi\u0119kszeniu ich wysoko\u015bci po up\u0142ywie tego okresu (o warto\u015b\u0107 niesp\u0142acanej przez ten okres cz\u0119\u015bci kapita\u0142owej rat leasingowych),<\/li><li>zmianie ustanowionych zabezpiecze\u0144 do umowy leasingu,<\/li><li>zmianie danych adresowych jednej ze stron umowy leasingu,<\/li><li>zmianie zasad obci\u0105\u017cania leasingobiorcy dodatkowymi op\u0142atami.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-5-przedterminowy-wykup-przedmiotu\">5. Przedterminowy wykup przedmiotu<\/h3>\n\n\n\n<p>A mo\u017ce by tak sprzeda\u0107 przedmiot leasingu? Je\u017celi od zawarcia umowy min\u0119\u0142o przynajmniej 40% przewidywanego, normatywnego okresu amortyzacji (dla aut osobowych, kt\u00f3rych normatywna amortyzacja wynosi 5 lat, 40% b\u0119dzie odpowiada\u0142o umowie trwaj\u0105cej co najmniej od 2 lat), pomy\u015blmy o <a aria-label=\"wykupie przedmiotu leasingu (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/jak-korzystnie-wykupic-samochod-z-leasingu\/\" target=\"_blank\" rel=\"noreferrer noopener\">wykupie przedmiotu leasingu<\/a>. To troch\u0119 tak, jakby wyst\u0105pi\u0107 o wcze\u015bniejsz\u0105 sp\u0142at\u0119 <a href=\"https:\/\/leasing.sos.pl\/blog\/kredyt-czy-leasing\/\" data-type=\"post\" data-id=\"21851\">kredytu<\/a>. Ma on sens w przypadku \u0142atwo zbywalnych \u015brodk\u00f3w: pojazdy, maszyny, wyposa\u017cenie, sprz\u0119t. Po ich wykupie b\u0119dzie je mo\u017cna stosunkowo \u0142atwo sprzeda\u0107 na rynku wt\u00f3rnym. Pami\u0119ta\u0107 trzeba jednak, \u017ce musimy dysponowa\u0107 odpowiednim poziomem bie\u017c\u0105cych zasob\u00f3w pieni\u0119\u017cnych. Wcze\u015bniejszy wykup spowoduje obni\u017cenie \u2013 o cz\u0119\u015b\u0107 odsetkow\u0105 pozosta\u0142\u0105 do zap\u0142aty \u2013 pozosta\u0142ych do uiszczenia nale\u017cno\u015bci, ale i tak by dysponowa\u0107 swobodnie przedmiotem musimy te pieni\u0105dze po prostu mie\u0107.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"11-6-zerwanie-umowy-leasingu-%E2%80%93-ostateczna-ostateczno%C5%9B%C4%87\">6. Zerwanie umowy leasingu \u2013 ostateczna ostateczno\u015b\u0107!<\/h3>\n\n\n\n<p>Co zrobi\u0107 w sytuacji, gdy p\u0142ynno\u015b\u0107 finansowa Twojej firmy zosta\u0142a mocno ograniczona? Odroczenie sp\u0142aty nie wchodzi ju\u017c w gr\u0119, poniewa\u017c Twoja firma od jakiego\u015b czasu ma problemy finansowe. W sytuacji bez wyj\u015bcia mo\u017cna zerwa\u0107 umow\u0119 leasingu, aby nie pi\u0119trzy\u0107 problem\u00f3w. Umowa zostanie wtedy rozliczona podobnie jak w procedurze wcze\u015bniejszego wykupu. Polega to na zliczeniu wszystkich pozosta\u0142ych rat leasingowych i pomniejszeniu ich o dyskonto, czyli o aktualn\u0105 warto\u015b\u0107 przedmiotu oraz o odsetki doliczone na harmonogramie do ka\u017cdej przysz\u0142ej raty. Nie obejdzie si\u0119 te\u017c bez naliczenia op\u0142aty manipulacyjnej za zerwanie umowy.<\/p>\n\n\n\n<p>Nale\u017cy pami\u0119ta\u0107, \u017ce oddaj\u0105c przedmiot, leasingobiorca z regu\u0142y wnosi jak\u0105\u015b dop\u0142at\u0119. Ma to miejsce wtedy,&nbsp;gdy przedmiot leasingu utraci\u0142 na warto\u015bci (np. wskutek technicznych usterek czy amortyzacji). Unikniesz tej dop\u0142aty w sytuacji, gdy przedmiot leasingu nie straci\u0142 znacznie na swojej warto\u015bci, ale jednocze\u015bnie nie odzyskasz od firmy leasingowej r\u00f3\u017cnicy pomi\u0119dzy warto\u015bci\u0105 przedmiotu leasingu, a cen\u0105 zbytu na wt\u00f3rnym rynku \u2013 je\u015bli ta jest wy\u017csza.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Jak m\u0105drze wybiera\u0107 d\u0142ugo\u015b\u0107 trwania umowy leasingu bior\u0105c pod uwag\u0119 kwesti\u0119 ubezpieczenia?<\/strong><\/p><cite>Aby unikn\u0105\u0107 problem\u00f3w z przepisaniem ubezpieczenia OC\/AC z leasingodawcy na siebie powiniene\u015b wybiera\u0107 nieparzyste okresy leasingu &#8211; np. <strong>35 a nie 36 miesi\u0119cy albo 47, nie za\u015b 48 miesi\u0119cy<\/strong>. Ubezpieczenia s\u0105 wydawane na okresy 12 miesi\u0119czne. Dzi\u0119ki kr\u00f3tszemu o jeden miesi\u0105c okresowi trwania umowy leasingowej b\u0119dziesz mie\u0107 op\u0142acony jeden miesi\u0105c ubezpieczenia z g\u00f3ry. Po wykupie auta z leasingu ubezpieczyciel nie b\u0119dzie stwarza\u0142 ju\u017c problem\u00f3w z zawarciem umowy ubezpieczenia na Ciebie czy Twoj\u0105 firm\u0119, co mog\u0142oby mie\u0107 miejsce jeszcze miesi\u0105c wcze\u015bniej.<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-co-zrobi%C4%87-z-leasingiem-je%C5%9Bli-twoja-dzia%C5%82alno%C5%9B%C4%87-gospodarcza-zosta%C5%82a-zawieszona\">Co zrobi\u0107 z leasingiem, je\u015bli Twoja dzia\u0142alno\u015b\u0107 gospodarcza zosta\u0142a zawieszona?<\/h2>\n\n\n\n<p>Podczas zawieszenia dzia\u0142alno\u015bci gospodarczej, czy nawet po jej likwidacji, zobowi\u0105zania nadal ci\u0105\u017c\u0105 na Tobie. Jeste\u015b zobligowany do ich regulowania w terminie. Zawieszenie dzia\u0142alno\u015bci uwalnia od p\u0142acenia sk\u0142adek ZUS, nie generujesz te\u017c wtedy dochod\u00f3w, z kt\u00f3rych podatki mog\u0142yby zasila\u0107 skarb pa\u0144stwa. Je\u015bli jednak posiadasz umow\u0119 leasingow\u0105 musisz dotrzyma\u0107 jej warunk\u00f3w. W przeciwnym razie gro\u017c\u0105 Ci konsekwencje, kt\u00f3re umowa ta przewiduje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"13-co-z-leasingiem-na-samochody-osobowe-zawartym-do-ko%C5%84ca-2018\">Co z leasingiem na samochody osobowe zawartym do ko\u0144ca 2018?<\/h2>\n\n\n\n<p>Je\u015bli przedmiotem leasingu jest samoch\u00f3d osobowy, a umowa leasingowa zosta\u0142a zawarta przed 1 stycznia 2019 r., kiedy to wesz\u0142y w \u017cycie <a aria-label=\"zmiany dotycz\u0105ce leasingu samochod\u00f3w osobowych (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/blog\/zmiany-leasing-2019\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">zmiany dotycz\u0105ce leasingu samochod\u00f3w osobowych<\/a>, to nale\u017cy wzi\u0105\u0107 pod uwag\u0119 konsekwencje skorzystania z&nbsp;rozwi\u0105za\u0144 pomocowych np. prolongaty czy zmniejszenia raty. Si\u0119gni\u0119cie po nie spowoduje mianowicie zmian\u0119 warunk\u00f3w umowy leasingu. To z kolei b\u0119dzie skutkowa\u0107 przej\u015bciem na nowe \u2013 obowi\u0105zuj\u0105ce od pocz\u0105tku 2019 roku \u2013 zasady opodatkowania aut osobowych. Szczeg\u00f3lnie niekorzystne mo\u017ce to by\u0107 dla tych firm, kt\u00f3re do ko\u0144ca 2018 roku wzi\u0119\u0142y w <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" target=\"_blank\" aria-label=\"leasing drogie samochody (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">leasing drogie samochody<\/a>. Aneksowanie umowy mo\u017ce bowiem wym\u00f3c uwzgl\u0119dnienie limitu 150&nbsp;000 z\u0142 w zaliczaniu wydatk\u00f3w leasingowych do koszt\u00f3w uzyskania przychodu.&nbsp;<\/p>\n\n\n\n<p>Ministerstwo Finans\u00f3w wyci\u0105gn\u0119\u0142o jednak r\u0119k\u0119 do takich leasingobiorc\u00f3w. Krajowa Administracja Skarbowa potwierdzi\u0142a bowiem, \u017ce urz\u0119dnicy fiskusa w przypadku zmiany harmonogramu sp\u0142at wywo\u0142anych czasowym zawieszeniem lub prolongat\u0105 umowy w zwi\u0105zku z koronawirusem nie powinni interpretowa\u0107 tych zmian jako te, kt\u00f3re powoduj\u0105 przej\u015bcie na nowe zasady zaliczania koszt\u00f3w. Zatem ci leasingobiorcy, kt\u00f3rzy wzi\u0119li leasing na drogi samoch\u00f3d przed 2019 rokiem, nie utrac\u0105 prawa do wy\u017cszych koszt\u00f3w podatkowych, przys\u0142uguj\u0105cych im jeszcze na podstawie starych przepis\u00f3w, obowi\u0105zuj\u0105cych do ko\u0144ca 2018 r.<\/p>\n\n\n\n<p>Nale\u017cy doda\u0107, i\u017c nie powinno by\u0107 problemu interpretacyjnego z tymi zmianami w umowach leasingowych, kt\u00f3re ograniczaj\u0105 si\u0119 li tylko do <strong>prolongaty <\/strong>lub <strong>okresowego zawieszenia sp\u0142aty<\/strong>.<\/p>\n\n\n\n<p>Indywidualna analiza przypadku przez urz\u0105d skarbowy, b\u0119dzie mia\u0142a raczej miejsce gdy zmiana w harmonogramie leasingowym b\u0119dzie wynikiem <strong>czasowego obni\u017cenia raty<\/strong> dla umowy zawartej przed 2019 rokiem.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Jak korzystnie odliczy\u0107 leasing samochodu powy\u017cej 150 000 z\u0142 od podatku?<\/strong><\/p><cite>Nale\u017cy oprze\u0107 si\u0119 na tzw. \u201epodw\u00f3jnym limicie\u201d, kt\u00f3ry polega na zaliczaniu z jednej strony do koszt\u00f3w uzyskania przychodu wydatk\u00f3w za leasing (za wp\u0142at\u0119 wst\u0119pn\u0105 + raty leasingowe) a z drugiej strony, ju\u017c po wykupie auta do firmy, dokonywaniu odpis\u00f3w amortyzacyjnych. Wa\u017cne przy tym aby kwota widniej\u0105ca na fakturze wykupu auta spalinowego wynosi\u0142a przynajmniej 150 000 z\u0142. Drogie samochody nale\u017cy zatem bra\u0107 w leasing z wysok\u0105 kwot\u0105 wykupu, co gwarantuje dobr\u0105 optymalizacj\u0119 podatkow\u0105 oraz niskie raty miesi\u0119czne.<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"14-podsumowanie\">Podsumowanie<\/h2>\n\n\n\n<p>Okoliczno\u015bci kryzysowe, powinny by\u0107 dla Ciebie sygna\u0142em do jak najszybszego skontaktowania si\u0119 z firm\u0105 finansuj\u0105c\u0105 Tw\u00f3j leasing. Nie pozw\u00f3l by powsta\u0142y zaleg\u0142o\u015bci a firma leasingowa zacz\u0119\u0142a si\u0119ga\u0107 po narz\u0119dzia windykacyjne, kt\u00f3re pozbawi\u0105 Ci\u0119 przedmiotu leasingu i wygeneruj\u0105 dodatkowe zad\u0142u\u017cenie.<\/p>\n\n\n\n<p>Niezale\u017cnie czy s\u0105 to przej\u015bciowe problemy z p\u0142ynno\u015bci\u0105 w Twojej firmie czy po prostu wiesz, \u017ce nie podo\u0142asz d\u0142u\u017cej sp\u0142acie leasingu dzia\u0142aj z wyprzedzeniem! Pami\u0119taj, \u017ce firmy leasingowe posiadaj\u0105 gotowe rozwi\u0105zania &#8211; opisali\u015bmy je powy\u017cej w punktach 1-6 &#8211; do zastosowania w takim przypadku.<\/p>\n\n\n<style>#kt-layout-id_e471a9-81 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_e471a9-81 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_e471a9-81 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:80px;padding-bottom:0px;grid-template-columns:minmax(0, calc(85% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2))) minmax(0, calc(15% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_e471a9-81 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_e471a9-81 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){#kt-layout-id_e471a9-81 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignwide\"><div id=\"kt-layout-id_e471a9-81\" class=\"kt-row-layout-inner kt-layout-id_e471a9-81\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-equal kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row  kt-custom-first-width-85  kt-custom-second-width-15 kb-theme-content-width\"><style>.kadence-column_354130-f5 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_354130-f5 > .kt-inside-inner-col,.kadence-column_354130-f5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_354130-f5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_354130-f5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_354130-f5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_354130-f5 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column_354130-f5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_354130-f5{position:relative;}@media all and (max-width: 1024px){.kadence-column_354130-f5 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_354130-f5 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_354130-f5\"><div class=\"kt-inside-inner-col\"><style>#kt-layout-id_d67eb6-00 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_d67eb6-00 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_d67eb6-00 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:60px;padding-bottom:200px;grid-template-columns:minmax(0, calc(45% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2))) minmax(0, calc(55% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_d67eb6-00 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_d67eb6-00 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){#kt-layout-id_d67eb6-00 > .kt-row-column-wrap{padding-bottom:130px;grid-template-columns:minmax(0, 1fr);}}#kt-layout-id_d67eb6-00 .absolute-column {  }<\/style>\n<div class=\"wp-block-kadence-rowlayout alignwide\"><div id=\"kt-layout-id_d67eb6-00\" class=\"kt-row-layout-inner kt-row-has-bg kt-layout-id_d67eb6-00 has-theme-palette-7-background-color\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-equal kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row  kt-custom-first-width-45  kt-custom-second-width-55 kb-theme-content-width\"><style>.kadence-column_c84a86-22 > .kt-inside-inner-col{display:flex;}.kadence-column_c84a86-22 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_c84a86-22 > .kt-inside-inner-col,.kadence-column_c84a86-22 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_c84a86-22 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_c84a86-22 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column_c84a86-22 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column_c84a86-22{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column_c84a86-22{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column_c84a86-22 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column_c84a86-22 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_c84a86-22{position:relative;}@media all and (max-width: 1024px){.kadence-column_c84a86-22 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_c84a86-22 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_c84a86-22\"><div class=\"kt-inside-inner-col\"><style>.kb-image_c3d658-b3.kb-image-is-ratio-size, .kb-image_c3d658-b3 .kb-image-is-ratio-size{max-width:401px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image_c3d658-b3.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image_c3d658-b3 .kb-image-is-ratio-size{align-self:unset;}.kb-image_c3d658-b3 figure{max-width:401px;}.kb-image_c3d658-b3 .image-is-svg, .kb-image_c3d658-b3 .image-is-svg img{width:100%;}.kb-image_c3d658-b3 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image_c3d658-b3\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"501\" height=\"550\" src=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla.png\" alt=\"Mo\u017cesz zam\u00f3wi\u0107 wygodnie leasing online - bez wstawania z krzes\u0142a\" class=\"kb-img wp-image-31131\" title=\"\" srcset=\"https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla.png 501w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla-273x300.png 273w, https:\/\/leasing.sos.pl\/wp-content\/uploads\/Zamow-wygodny-leasing-online-bez-wstawania-z-krzesla-137x150.png 137w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column_11252d-92 > .kt-inside-inner-col{display:flex;}.wp-block-kadence-column.kadence-column_11252d-92 > .kt-inside-inner-col{margin-right:-100px;}.kadence-column_11252d-92 > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;padding-left:30px;padding-right:30px;}.kadence-column_11252d-92 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_11252d-92 > .kt-inside-inner-col,.kadence-column_11252d-92 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_11252d-92 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_11252d-92 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column_11252d-92 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column_11252d-92{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column_11252d-92{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column_11252d-92 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column_11252d-92 > .kt-inside-inner-col{background-color:var(--global-palette4, #2D3748);}.kadence-column_11252d-92 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_11252d-92{position:relative;}@media all and (max-width: 1024px){.kadence-column_11252d-92 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_11252d-92 > .kt-inside-inner-col{padding-top:12px;padding-bottom:12px;padding-left:12px;padding-right:12px;flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_11252d-92\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14, .wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14[data-kb-block=\"kb-adv-heading_7d3056-b14\"]{margin-top:20px;margin-right:20px;margin-bottom:0px;margin-left:0px;padding-left:0px;font-size:28px;line-height:92px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14 mark, .wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14[data-kb-block=\"kb-adv-heading_7d3056-b14\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14, .wp-block-kadence-advancedheading.kt-adv-heading_7d3056-b14[data-kb-block=\"kb-adv-heading_7d3056-b14\"]{margin-right:40px;margin-left:20px;font-size:22px;line-height:56px;}}<\/style>\n<p class=\"kt-adv-heading_7d3056-b14 wp-block-kadence-advancedheading has-theme-palette-8-color has-text-color\" data-kb-block=\"kb-adv-heading_7d3056-b14\">Tak, jak chcesz!<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455, .wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455[data-kb-block=\"kb-adv-heading_c776d0-455\"]{font-size:42px;line-height:50px;font-weight:900;font-style:normal;letter-spacing:1px;}.wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455 mark, .wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455[data-kb-block=\"kb-adv-heading_c776d0-455\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455, .wp-block-kadence-advancedheading.kt-adv-heading_c776d0-455[data-kb-block=\"kb-adv-heading_c776d0-455\"]{margin-top:20px;margin-right:40px;margin-bottom:0px;margin-left:20px;font-size:26px;line-height:30px;text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading_c776d0-455 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading_c776d0-455\">KOMPLEKSOWA<br>DOSTAWA LEASINGU<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns_889f46-e7, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns_889f46-e7, .wp-block-kadence-advancedbtn.kb-btns_889f46-e7, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns_889f46-e7{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns_889f46-e7{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns_889f46-e7 .kt-button{font-weight:normal;font-style:normal;}.kt-btns_889f46-e7 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button{padding-left:18px;padding-right:18px;padding-top:10px;padding-bottom:10px;color:var(--global-palette9, #ffffff);font-size:24px;background:var(--global-palette1, #3182CE);border-color:var(--global-palette1, #3182CE);border-style:solid;margin-top:10px;margin-right:10px;margin-bottom:10px;margin-left:10px;}.wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button:focus{border-color:var(--global-palette6, #718096);}.wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button:focus{background:var(--global-palette6, #718096);}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns_889f46-e7, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns_889f46-e7, .wp-block-kadence-advancedbtn.kb-btns_889f46-e7, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns_889f46-e7{margin-top:40px;margin-right:60px;margin-bottom:20px;margin-left:10px;}.wp-block-kadence-advancedbtn.kb-btns_889f46-e7{justify-content:flex-start;}.wp-block-kadence-advancedbtn.kt-btns_889f46-e7 .kt-btn-wrap-0 .kt-button{font-size:16px;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kt-btn-align-center kt-btn-tablet-align-inherit kt-btn-mobile-align-left kt-btns-wrap kt-btns_889f46-e7\"><div class=\"kt-btn-wrap kt-btn-wrap-0\"><a class=\"kt-button button kt-btn-0-action kt-btn-size-custom kt-btn-style-basic kt-btn-svg-show-always kt-btn-has-text-true kt-btn-has-svg-false\" href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing-online\/\" target=\"_blank\" rel=\"noreferrer noopener\" style=\"border-radius:1px;border-width:3px;letter-spacing:2px\"><span class=\"kt-btn-inner-text\"><strong>ZAM\u00d3W WYGODNY LEASING ONLINE<\/strong><\/span><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column_07ffb6-15 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_07ffb6-15 > .kt-inside-inner-col,.kadence-column_07ffb6-15 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_07ffb6-15 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_07ffb6-15 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_07ffb6-15 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_07ffb6-15 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_07ffb6-15{position:relative;}@media all and (max-width: 1024px){.kadence-column_07ffb6-15 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_07ffb6-15 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_07ffb6-15\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n<style>#kt-layout-id_d1d2a3-ec{margin-top:-130px;}#kt-layout-id_d1d2a3-ec > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_d1d2a3-ec > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_d1d2a3-ec > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:0px;padding-bottom:80px;grid-template-columns:minmax(0, calc(25% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2))) minmax(0, calc(75% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_d1d2a3-ec > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_d1d2a3-ec > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){#kt-layout-id_d1d2a3-ec > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignwide\"><div id=\"kt-layout-id_d1d2a3-ec\" class=\"kt-row-layout-inner kt-layout-id_d1d2a3-ec\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-equal kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row  kt-custom-first-width-25  kt-custom-second-width-75\"><style>.kadence-column_0f7f23-31 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_0f7f23-31 > .kt-inside-inner-col,.kadence-column_0f7f23-31 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_0f7f23-31 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_0f7f23-31 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_0f7f23-31 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_0f7f23-31 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_0f7f23-31{position:relative;}@media all and (max-width: 1024px){.kadence-column_0f7f23-31 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_0f7f23-31 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_0f7f23-31\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n\n<style>.kadence-column_65f70c-88 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_65f70c-88 > .kt-inside-inner-col,.kadence-column_65f70c-88 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_65f70c-88 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_65f70c-88 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_65f70c-88 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_65f70c-88 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_65f70c-88{position:relative;}@media all and (max-width: 1024px){.kadence-column_65f70c-88 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_65f70c-88 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_65f70c-88\"><div class=\"kt-inside-inner-col\"><style>#kt-layout-id_abab53-34 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_abab53-34 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_abab53-34 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:0px;grid-template-columns:repeat(3, minmax(0, 1fr));}#kt-layout-id_abab53-34 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_abab53-34 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){#kt-layout-id_abab53-34 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div id=\"kt-layout-id_abab53-34\" class=\"kt-row-layout-inner kt-layout-id_abab53-34\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-equal kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row\"><style>.kadence-column_7723c8-f9 > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;padding-left:20px;padding-right:20px;}.kadence-column_7723c8-f9 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_7723c8-f9 > .kt-inside-inner-col,.kadence-column_7723c8-f9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_7723c8-f9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_7723c8-f9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_7723c8-f9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_7723c8-f9 > .kt-inside-inner-col{background-color:var(--global-palette6, #718096);}.kadence-column_7723c8-f9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_7723c8-f9{position:relative;}@media all and (max-width: 1024px){.kadence-column_7723c8-f9 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_7723c8-f9 > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_7723c8-f9\"><div class=\"kt-inside-inner-col\"><style>.kt-svg-icons_689cb7-e1 .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette9, #ffffff);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons_689cb7-e1{justify-content:flex-start;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons_689cb7-e1 alignnone\" style=\"text-align:left\"><div class=\"kt-svg-style-default kt-svg-icon-wrap kt-svg-item-0\"><div style=\"display:inline-flex;justify-content:center;align-items:center;color:var(--global-palette9)\" class=\"kt-svg-icon kt-svg-icon-fe_box\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"50\" width=\"50\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12.89 1.45l8 4A2 2 0 0 1 22 7.24v9.53a2 2 0 0 1-1.11 1.79l-8 4a2 2 0 0 1-1.79 0l-8-4a2 2 0 0 1-1.1-1.8V7.24a2 2 0 0 1 1.11-1.79l8-4a2 2 0 0 1 1.78 0z\"><\/path><polyline points=\"2.32 6.16 12 11 21.68 6.16\"><\/polyline><line x1=\"12\" y1=\"22.76\" x2=\"12\" y2=\"11\"><\/line><\/svg><\/div><\/div><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-_f2d01f-71 .kt-block-spacer{height:15px;}.wp-block-kadence-spacer.kt-block-spacer-_f2d01f-71 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:30%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_f2d01f-71\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_49067f-cd16, .wp-block-kadence-advancedheading.kt-adv-heading_49067f-cd16[data-kb-block=\"kb-adv-heading_49067f-cd16\"]{font-size:18px;line-height:25px;font-weight:400;font-style:normal;font-family:'Noto Sans';}.wp-block-kadence-advancedheading.kt-adv-heading_49067f-cd16 mark, .wp-block-kadence-advancedheading.kt-adv-heading_49067f-cd16[data-kb-block=\"kb-adv-heading_49067f-cd16\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<div class=\"kt-adv-heading_49067f-cd16 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading_49067f-cd16\"><meta charset=\"utf-8\">21+ Bank\u00f3w i Towarzystw Leasingowych<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column_2450e0-4b > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;padding-left:20px;padding-right:20px;}.kadence-column_2450e0-4b > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_2450e0-4b > .kt-inside-inner-col,.kadence-column_2450e0-4b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_2450e0-4b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_2450e0-4b > .kt-inside-inner-col{flex-direction:column;}.kadence-column_2450e0-4b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_2450e0-4b > .kt-inside-inner-col{background-color:var(--global-palette6, #718096);}.kadence-column_2450e0-4b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_2450e0-4b{position:relative;}@media all and (max-width: 1024px){.kadence-column_2450e0-4b > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_2450e0-4b > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_2450e0-4b\"><div class=\"kt-inside-inner-col\"><style>.kt-svg-icons_944ffc-04 .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette9, #ffffff);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons_944ffc-04{justify-content:flex-start;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons_944ffc-04 alignnone\" style=\"text-align:left\"><div class=\"kt-svg-style-default kt-svg-icon-wrap kt-svg-item-0\"><div style=\"display:inline-flex;justify-content:center;align-items:center;color:var(--global-palette9)\" class=\"kt-svg-icon kt-svg-icon-ic_glass\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 8 8\" height=\"50\" width=\"50\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M3.5 0c-1.93 0-3.5 1.57-3.5 3.5s1.57 3.5 3.5 3.5c.59 0 1.17-.14 1.66-.41a1 1 0 0 0 .13.13l1 1a1.02 1.02 0 1 0 1.44-1.44l-1-1a1 1 0 0 0-.16-.13c.27-.49.44-1.06.44-1.66 0-1.93-1.57-3.5-3.5-3.5zm0 1c1.39 0 2.5 1.11 2.5 2.5 0 .66-.24 1.27-.66 1.72-.01.01-.02.02-.03.03a1 1 0 0 0-.13.13c-.44.4-1.04.63-1.69.63-1.39 0-2.5-1.11-2.5-2.5s1.11-2.5 2.5-2.5z\"><\/path><\/svg><\/div><\/div><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-_6a34e5-bb .kt-block-spacer{height:15px;}.wp-block-kadence-spacer.kt-block-spacer-_6a34e5-bb .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:30%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_6a34e5-bb\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_4693f4-6217, .wp-block-kadence-advancedheading.kt-adv-heading_4693f4-6217[data-kb-block=\"kb-adv-heading_4693f4-6217\"]{font-size:18px;line-height:25px;font-weight:400;font-style:normal;font-family:'Noto Sans';}.wp-block-kadence-advancedheading.kt-adv-heading_4693f4-6217 mark, .wp-block-kadence-advancedheading.kt-adv-heading_4693f4-6217[data-kb-block=\"kb-adv-heading_4693f4-6217\"] mark{font-style:normal;color:#f76a0c;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<div class=\"kt-adv-heading_4693f4-6217 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading_4693f4-6217\"><meta charset=\"utf-8\">Znajomo\u015b\u0107 Bran\u017cy oraz Warunk\u00f3w<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column_e2c2c6-c5 > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;padding-left:20px;padding-right:20px;}.kadence-column_e2c2c6-c5 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_e2c2c6-c5 > .kt-inside-inner-col,.kadence-column_e2c2c6-c5 > 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