{"id":20801,"date":"2022-03-31T14:17:00","date_gmt":"2022-03-31T12:17:00","guid":{"rendered":"https:\/\/leasing.sos.pl\/?p=20801"},"modified":"2022-04-01T20:07:54","modified_gmt":"2022-04-01T18:07:54","slug":"przewodnik-dla-poczatkujacych-leasingobiorcow","status":"publish","type":"post","link":"https:\/\/leasing.sos.pl\/blog\/przewodnik-dla-poczatkujacych-leasingobiorcow\/","title":{"rendered":"Przewodnik dla pocz\u0105tkuj\u0105cych leasingobiorc\u00f3w"},"content":{"rendered":"\n<p>Tutaj zam\u00f3wisz leasing w 30 sek. Zapytanie o leasing na Tw\u00f3j przedmiot 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-co-to-jest-leasing-dla-poczatkujacych\">Co to jest leasing &#8230;dla pocz\u0105tkuj\u0105cych?<\/h2>\n\n\n\n<p>To umowa cywilnoprawna pomi\u0119dzy finansuj\u0105cym a korzystaj\u0105cym. Finansuj\u0105cy &#8211; leasingodawca zobowi\u0105zuje si\u0119 odda\u0107 okre\u015blon\u0105 rzecz do u\u017cywania i pobierania z niej po\u017cytk\u00f3w na okre\u015blony czas korzystaj\u0105cemu &#8211; leasingobiorcy, w zamian za wynagrodzenie p\u0142atne w ratach przez okre\u015blony czas.&nbsp;<\/p>\n\n\n\n<p>Leasing to rozwi\u0105zanie, kt\u00f3re wspiera rozw\u00f3j biznesu, pozwala sfinansowa\u0107 inwestycje i jednocze\u015bnie daje mo\u017cliwo\u015b\u0107 zachowania p\u0142ynno\u015bci finansowej. Co wi\u0119cej, to narz\u0119dzie mog\u0105 wykorzysta\u0107 zar\u00f3wno du\u017ce przedsi\u0119biorstwa, jak i pocz\u0105tkuj\u0105cy przedsi\u0119biorca prowadz\u0105cy jednoosobow\u0105 dzia\u0142alno\u015b\u0107 gospodarcz\u0105. Zakres stosowania tej formy finansowania jest szeroki i mo\u017cna go uzyska\u0107 <a aria-label=\"szybciej ni\u017c kredyt (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-kredyt-gotowka\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">szybciej ni\u017c kredyt<\/a> w banku. A to jeszcze nie koniec zalet!<\/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=\"1-kto-moze-otrzymac-leasing\">Kto mo\u017ce otrzyma\u0107 leasing?<\/h2>\n\n\n\n<p>Korzystaj\u0105cym (inaczej leasingobiorc\u0105) mo\u017ce by\u0107 przedsi\u0119biorca &#8211; zar\u00f3wno du\u017ca korporacja, jak i osoba prowadz\u0105ca jednoosobow\u0105 dzia\u0142alno\u015b\u0107 gospodarcz\u0105 czy przedsi\u0119biorstwa typu start up, a tak\u017ce osoba prywatna, kt\u00f3ra nie prowadzi dzia\u0142alno\u015bci gospodarczej, cho\u0107 &#8211; nale\u017cy podkre\u015bli\u0107, \u017ce leasing konsumencki dopiero raczkuje w naszym kraju.&nbsp;<\/p>\n\n\n\n<p>Wed\u0142ug <a href=\"http:\/\/leasing.org.pl\/files\/uploaded\/ZPL_Prezentacja_Wyniki%20braz%CC%87y%20leasingowej_2019r._2.pdf\" target=\"_blank\" aria-label=\"danych Zwi\u0105zku Leasingodawc\u00f3w Polskich (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">danych Zwi\u0105zku Leasingodawc\u00f3w Polskich<\/a> struktura klient\u00f3w firm leasingowych przedstawia si\u0119 nast\u0119puj\u0105co:<\/p>\n\n\n\n<ul><li>50,5% &#8211; mikrofirmy (klienci o obrotach do 5 mln z\u0142),<\/li><li>27,9% &#8211; cz\u0119\u015b\u0107 ma\u0142ych firm, firmy \u015brednie i du\u017ce (klienci o obrotach powy\u017cej 20 mln z\u0142),<\/li><li>21% &#8211; ma\u0142e firmy (klienci o obrotach od 5 do 20 mln z\u0142),<\/li><li>0,5% &#8211; klienci indywidualni,<\/li><li>0,04% &#8211; sektor publiczny.<\/li><\/ul>\n\n\n\n<p>Najwi\u0119ksz\u0105 grup\u0119, kt\u00f3ra korzysta z tej formy finansowania stanowi\u0105 zatem mikro i ma\u0142e firmy (71,5% spo\u015br\u00f3d wszystkich podmiot\u00f3w).&nbsp;&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Jak obliczy\u0107 rat\u0119 i oprocentowanie leasingu auta osobowego?<\/strong><\/p><cite>Wystarczy, \u017ce skorzystasz z <a aria-label=\"kalkulatora rat leasingu operacyjnego samochod\u00f3w osobowych (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/kalkulator-leasingu-operacyjnego-samochodu-osobowego\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>kalkulatora rat leasingu operacyjnego samochod\u00f3w osobowych<\/strong><\/a>, kt\u00f3rym obliczysz spodziewan\u0105 wysoko\u015b\u0107 raty miesi\u0119cznej oraz rzeczywisty koszt leasingu wyra\u017cony wysoko\u015bci\u0105 oprocentowania leasingu. <a aria-label=\"Sprawd\u017a teraz (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/kalkulator-leasingu-operacyjnego-samochodu-osobowego\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Sprawd\u017a teraz<\/strong><\/a>!<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-co-moze-byc-przedmiotem-leasingu\">Co mo\u017ce by\u0107 przedmiotem leasingu?<\/h2>\n\n\n\n<p>Zar\u00f3wno <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-nieruchomosci-dla-firm\/\" data-type=\"post\" data-id=\"25010\">nieruchomo\u015bci komercyjne<\/a>, w tym np. <a href=\"https:\/\/leasing.sos.pl\/blog\/myjnia-bezdotykowa-leasing\/\" data-type=\"post\" data-id=\"26544\">leasing na myjnie bezdotykowe<\/a>, jak i rzeczy ruchome czyli:<\/p>\n\n\n\n<ul><li><a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\">samochody osobowe<\/a> i <a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow-ciezarowych\/\">pojazdy ci\u0119\u017carowe<\/a>,<\/li><li>pojazdy specjalistyczne np. betoniarki, hakowce, <a href=\"https:\/\/leasing.sos.pl\/blog\/auto-laweta-w-leasing\/\" data-type=\"post\" data-id=\"26403\">lawety na auta albo du\u017ce gabaryty<\/a>,<\/li><li>sprz\u0119t biurowy, wyposa\u017cenie, IT,<\/li><li>lokale, magazyny &#8211; nieruchomo\u015bci o przeznaczeniu komercyjnym,<\/li><li><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-na-maszyny-do-obrobki-metalu\/\" data-type=\"post\" data-id=\"22143\">maszyny specjalistyczne np. do obr\u00f3bki metalu<\/a>,<\/li><li><a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-budowlanych\/\">urz\u0105dzenia budowlane i drogowe<\/a>,<\/li><li><a href=\"https:\/\/leasing.sos.pl\/blog\/wozki-widlowe-w-leasing\/\" data-type=\"post\" data-id=\"22231\">w\u00f3zki wid\u0142owe i jezdne w centrach logistycznych<\/a>,<\/li><li><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-do-produkcji-tworzyw-sztucznych\/\" data-type=\"post\" data-id=\"22028\">maszyny do przetwarzania tworzyw sztucznych<\/a>,<\/li><li>linie produkcyjne, technologie,<\/li><li>inne.&nbsp;&nbsp;<\/li><\/ul>\n\n\n\n<p>W teorii w\u0142a\u015bciwie wszystko, co mo\u017ce przyczyni\u0107 si\u0119 do rozwoju biznesu. Potrzeby wynikaj\u0105 ze specyfiki prowadzonej dzia\u0142alno\u015bci i Twoich aktualnych potrzeb.&nbsp;<\/p>\n\n\n\n<p>W <a href=\"http:\/\/leasing.org.pl\/files\/uploaded\/ZPL_Prezentacja_Wyniki%20braz%CC%87y%20leasingowej_2019r._2.pdf\" target=\"_blank\" aria-label=\"praktyce  (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">praktyce <\/a>najcz\u0119\u015bciej przedmiotem leasingu s\u0105:<\/p>\n\n\n\n<ul><li>49,1% &#8211; pojazdy lekkie,<\/li><li>25,2% &#8211; transport ci\u0119\u017cki,<\/li><li>24,0% &#8211; maszyny i urz\u0105dzenia, w tym <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-sprzetu-komputerowego-it\/\" data-type=\"post\" data-id=\"21954\">leasing IT<\/a>,<\/li><li>1,0% &#8211; nieruchomo\u015bci,<\/li><li>0,7% &#8211; inne.<\/li><\/ul>\n\n\n\n<p>Ca\u0142y czas najwi\u0119kszym powodzeniem w\u015br\u00f3d leasingobiorc\u00f3w ciesz\u0105 si\u0119 samochody &#8211; wykorzystywane zar\u00f3wno w celach reprezentacyjnych albo jako narz\u0119dzie pracy kurier\u00f3w czy przedstawicieli handlowych.&nbsp;<a href=\"https:\/\/leasing.sos.pl\/blog\/przewodnik-po-auto-leasingu\/\" data-type=\"post\" data-id=\"21724\">Auto-leasing<\/a> to prawie 50% ca\u0142ego rynku leasingowego w Polsce!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-gdzie-szukac-leasingu-\"><a href=\"https:\/\/leasing.sos.pl\/blog\/gdzie-leasing\/\" target=\"_blank\" aria-label=\"Gdzie szuka\u0107 leasingu (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Gdzie szuka\u0107 leasingu<\/a>?<\/h2>\n\n\n\n<p>Rynek leasingu B2B ca\u0142y czas si\u0119 rozwija. Finansowanie mo\u017cna uzyska\u0107 zar\u00f3wno w firmie specjalizuj\u0105cej si\u0119 wy\u0142\u0105cznie w takiej formie dzia\u0142alno\u015bci, jak r\u00f3wnie\u017c w banku, ale tak\u017ce u po\u015brednik\u00f3w leasingowych. Czym kierowa\u0107 si\u0119 przy wyborze firmy? Bezpiecze\u0144stwem transakcji, renom\u0105 firmy, ofert\u0105, kosztami. Wed\u0142ug badania \u201c<a aria-label=\"Leasing Index (opens in a new tab)\" href=\"https:\/\/santanderleasing.pl\/biuro-prasowe\/komunikaty-prasowe\/leasing-index-kryteria-wyboru-firmy-leasingowej.html\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Leasing Index<\/a>\u201d zrealizowanych na zlecenie BZ WBK Leasing najwi\u0119cej, bo a\u017c 35% przedsi\u0119biorc\u00f3w z sektora M\u015aP, zwraca uwag\u0119 na cen\u0119 przy wyborze firmy leasingowej. Powoli ro\u015bnie r\u00f3wnie\u017c wp\u0142yw innych czynnik\u00f3w: dopasowanie oferty do potrzeba klient\u00f3w czy przejrzyste i bezpieczne warunki umowy.<\/p>\n\n\n\n<p>Samodzielne por\u00f3wnanie wszystkich ofert jest czasoch\u0142onne, dlatego lepiej odda\u0107 si\u0119 w r\u0119ce specjalist\u00f3w: po\u015brednik\u00f3w czy broker\u00f3w leasingowych. Profesjonalne doradztwo i dost\u0119p do szerokiego wachlarza ofert pomo\u017ce znale\u017a\u0107 propozycj\u0119 finansowania najlepiej dopasowan\u0105 do Twoich potrzeb i przede wszystkim najbardziej korzystn\u0105 cenowo.&nbsp;<\/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, 1fr);}.kb-row-layout-id_656575-f7 > 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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=\"0927475ab6\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/20801\/\" \/><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\/20801\/\"  data-frmval=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/20801\/\"   \/><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\/ZAvrgravrC1anQeB3kLaEBAPLWuPlyD8ZO\/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<h2 class=\"wp-block-heading\" id=\"4-jak-dziala-leasing\">Jak dzia\u0142a leasing?<\/h2>\n\n\n\n<p>Jest to umowa wzajemna, dwustronnie zobowi\u0105zuj\u0105ca i odp\u0142atna. Bez wzgl\u0119du na rodzaj leasingu jego istot\u0105 jest przekazanie korzystaj\u0105cemu w u\u017cytkowanie przedmiotu umowy w zamian za raty p\u0142atne miesi\u0119cznie. Po zako\u0144czeniu umowy, u\u017cytkowana rzecz mo\u017ce trafi\u0107 na preferencyjnych warunkach do leasingobiorcy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-na-jaki-okres-mozna-podpisac-umowe\">Na jaki okres mo\u017cna podpisa\u0107 umow\u0119?<\/h2>\n\n\n\n<p>Czas trwania umowy ustalany jest indywidualnie i zale\u017cy zwykle od przedmiotu umowy.&nbsp;<\/p>\n\n\n\n<p>Mo\u017cna wyr\u00f3\u017cni\u0107:<\/p>\n\n\n\n<ul><li>leasing kr\u00f3tkoterminowy &#8211; gdy umowa zosta\u0142a zawarta na okres nieprzekraczaj\u0105cy 3 lat,<\/li><li>leasing \u015brednioterminowy &#8211; trwa od 3 do 10 lat,<\/li><li>leasing d\u0142ugoterminowy &#8211; powy\u017cej 10 lat.<\/li><\/ul>\n\n\n\n<p>Okres, na jaki zostanie zawarta umowa ma znaczenie w szczeg\u00f3lno\u015bci w przypadku <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-operacyjny-dlaczego\/\" target=\"_blank\" aria-label=\"leasingu operacyjnego (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">leasingu operacyjnego<\/a> &#8211; zgodnie z obowi\u0105zuj\u0105cymi przepisami w tym przypadku okres umowy nie mo\u017ce by\u0107 kr\u00f3tszy ni\u017c 40% normatywnego okresu amortyzacji u\u017cytkowanej rzeczy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-jakie-dokumenty-sa-potrzebne-do-leasingu\">Jakie dokumenty s\u0105 potrzebne do leasingu?<\/h2>\n\n\n\n<p>Wymagane dokumenty mo\u017cna podzieli\u0107 na dwa rodzaje: identyfikuj\u0105ce wnioskodawc\u0119 i&nbsp;pozwalaj\u0105ce okre\u015bli\u0107 jego zdolno\u015b\u0107 do regulowania zobowi\u0105za\u0144 &#8211; czyli finansowe.<\/p>\n\n\n\n<p>Dokumenty wymagane dla potwierdzenia to\u017csamo\u015bci:<\/p>\n\n\n\n<ul><li><a aria-label=\"dow\u00f3d osobisty (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/blog\/dowod-osobisty-pozyczka-kredyt\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">dow\u00f3d osobisty<\/a> &#8211; w przypadku sp\u00f3\u0142ki prawa handlowego dokument przedstawia osoba lub osoby uprawnione do reprezentacji, w przypadku sp\u00f3\u0142ki cywilnej mo\u017ce by\u0107 potrzebna jeszcze umowa sp\u00f3\u0142ki,<\/li><li>numer NIP\/REGON przedsi\u0119biorcy,<\/li><li>wypis z KRS czy CEiDG.<\/li><\/ul>\n\n\n\n<p>Dokumenty finansowe &#8211; w zale\u017cno\u015bci od firmy trzeba przedstawi\u0107:<\/p>\n\n\n\n<ul><li>bilans i rachunek zysk\u00f3w i strat &#8211; dla firm prowadz\u0105cych pe\u0142n\u0105 ksi\u0119gowo\u015b\u0107,<\/li><li>PIT-36 i podsumowanie Ksi\u0105\u017cki Przychod\u00f3w i Rozchod\u00f3w,&nbsp;<\/li><li>PIT-28 za ubieg\u0142y rok do os\u00f3b rozliczaj\u0105cych si\u0119 rycza\u0142tem.<\/li><\/ul>\n\n\n\n<p>Finansuj\u0105cy mo\u017ce \u017c\u0105da\u0107 jeszcze innych dokument\u00f3w &#8211; w szczeg\u00f3lno\u015bci w przypadku w\u0105tpliwo\u015bci, co do zdolno\u015bci do terminowego regulowania zobowi\u0105za\u0144 przez wnioskodawc\u0119. Firmy leasingowe coraz cz\u0119\u015bciej sprawdzaj\u0105 dotychczasow\u0105 histori\u0119 kredytow\u0105 swoich klient\u00f3w w <a href=\"https:\/\/leasing.sos.pl\/blog\/co-to-jest-bik-krd\/\" target=\"_blank\" aria-label=\"BIK (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">BIK<\/a>. Op\u00f3\u017anienie czy zaniechanie sp\u0142aty wcze\u015bniejszych zobowi\u0105za\u0144 mo\u017ce skutkowa\u0107 nawet odmow\u0105 zawarcia umowy.&nbsp;<\/p>\n\n\n\n<p>Do wype\u0142niania b\u0119dzie potrzebny jeszcze podpisany <a href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing\/\" target=\"_blank\" aria-label=\"wniosek o leasing (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">wniosek o leasing<\/a> oraz specyfikacja rzeczy, kt\u00f3re maj\u0105 by\u0107 przedmiotem leasingu.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Czy wiesz gdzie p\u00f3j\u015b\u0107 po dobry i najlepszy leasing?<\/strong><\/p><cite>Udaj\u0105c si\u0119 do banku mo\u017cesz liczy\u0107 tylko <strong>na ofert\u0119 tego jednego banku<\/strong>. Bez mo\u017cliwo\u015bci por\u00f3wnania go w szerszym kontek\u015bcie i wiedzy, co jeszcze oferuje rynek. Nie opieraj si\u0119 te\u017c na rankingach leasingowych bo por\u00f3wnywanie leasing\u00f3w nie ma uzasadnienia praktycznego. Z prostej przyczyny &#8211; ka\u017cdy leasing jest analizowany osobno a czynniki, kt\u00f3re wp\u0142yn\u0105 na ostateczny jego koszt nie zale\u017c\u0105 tylko od warunk\u00f3w, kt\u00f3re oferuje bank (mar\u017ca banku za udzielenie + WIBOR). Cena leasingu zale\u017cy od zdolno\u015bci do zaci\u0105gania zobowi\u0105za\u0144 przez potencjalnego leasingobiorc\u0119 oraz od przedmiotu leasingu, jego stanu oraz ceny. St\u0105d w\u0142a\u015bnie prawdziwe rankingi leasing\u00f3w bankowych nie istniej\u0105 i odradzamy Ci z nich korzystanie.<br><strong>By mie\u0107 mo\u017cliwo\u015b\u0107 wyboru<\/strong> najta\u0144szego albo najkorzystniejszego leasingu (tani, nie zawsze oznacza korzystny!) warto kierowa\u0107 si\u0119 do po\u015brednik\u00f3w leasingowych, kt\u00f3rzy maj\u0105 rozeznanie w wi\u0119kszej liczbie ofert ni\u017c tylko jednego banku. Znaj\u0105c sytuacj\u0119 leasingobiorcy s\u0105 w stanie dla niego wyszuka\u0107 na raz kilka ofert i wskaza\u0107 najkorzystniejszy leasing. Mo\u017cesz to sprawdzi\u0107 wysy\u0142aj\u0105c ju\u017c teraz <a href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing-online\/\">zapytanie o leasing online<\/a>.<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-jakie-warunki-trzeba-spelnic-zeby-dostac-leasing\">Jakie warunki trzeba spe\u0142ni\u0107, \u017ceby dosta\u0107 leasing?<\/h2>\n\n\n\n<p>Uwiarygodni\u0107 sp\u0142at\u0119 zobowi\u0105zania. Mo\u017cna wyr\u00f3\u017cni\u0107 dwie procedury oceny ryzyka prowadzone przez firmy leasingowe: uproszczon\u0105 i standardow\u0105 (pe\u0142n\u0105).<\/p>\n\n\n\n<p>W ramach tej pierwszej, zakres potrzebnych dokument\u00f3w ograniczony zosta\u0142 do minimum &#8211; przede wszystkim do tych potwierdzaj\u0105cych to\u017csamo\u015b\u0107. Firmy leasingowe maj\u0105 swoje sposoby, \u017ceby uzyska\u0107 pe\u0142ny obraz zdolno\u015bci kredytowej klienta, pomimo niewielkich formalno\u015bci &#8211; s\u0142u\u017cy temu historia w BIK czy czas prowadzonej dzia\u0142alno\u015bci. Procedura uproszczona zwykle wystarczy, \u017ceby wzi\u0105\u0107 <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" target=\"_blank\" aria-label=\"samoch\u00f3d w leasing na firm\u0119 (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">samoch\u00f3d w leasing na firm\u0119<\/a>.<\/p>\n\n\n\n<p>Przy pe\u0142nej procedurze nale\u017cy uwiarygodni\u0107 swoj\u0105 zdolno\u015b\u0107 do sp\u0142aty zobowi\u0105za\u0144 przy pomocy dokument\u00f3w finansowych. Pe\u0142niejsza ocena jest prowadzona w przypadku wi\u0119kszego ryzyka dla leasingodawcy np. przy finansowaniu nieruchomo\u015bci, ci\u0119\u017ckiego sprz\u0119tu czy specjalistycznych maszyn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-jakie-sa-rodzaje-leasingu\">Jakie s\u0105 rodzaje leasingu?<\/h2>\n\n\n\n<p>Przepisy podatkowe wprowadzaj\u0105 rozr\u00f3\u017cnienie na leasing operacyjny i finansowy. W zale\u017cno\u015bci od wybranego rodzaju finansowania, mo\u017cesz liczy\u0107 na okre\u015blone korzy\u015bci.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-operacyjny-dlaczego\/\" target=\"_blank\" aria-label=\"Leasing operacyjny (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Leasing operacyjny<\/a><\/strong> b\u0119dzie mia\u0142 miejsce w\u00f3wczas, gdy spe\u0142nione zostan\u0105 nast\u0119puj\u0105ce warunki:<\/p>\n\n\n\n<ul><li>umowa zosta\u0142a zawarta na czas oznaczony, kt\u00f3ry stanowi co najmniej 40% normatywnego okresu amortyzacji, je\u017celi jej przedmiotem s\u0105 podlegaj\u0105ce odpisom amortyzacyjnym rzeczy ruchome lub warto\u015bci niematerialne i prawne albo zosta\u0142a zawarta na co najmniej 5 lat, je\u017celi jej przedmiotem s\u0105 podlegaj\u0105ce odpisom amortyzacyjnym nieruchomo\u015bci,<\/li><li>suma op\u0142at ustalonych w umowie, pomniejszonych o podatek od towar\u00f3w i us\u0142ug, odpowiada co najmniej warto\u015bci pocz\u0105tkowej&nbsp;\u015brodka trwa\u0142ego lub warto\u015bci niematerialnej czy prawnej.<\/li><\/ul>\n\n\n\n<p>W przypadku tej formy finansowania przedmiot umowy pozostaje przez ca\u0142y jej okres w\u0142asno\u015bci\u0105 leasingodawcy.&nbsp;<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/leasing.sos.pl\/blog\/operacyjny-finansowy-pozyczka-leasingowa\/\" target=\"_blank\" aria-label=\"Leasing finansowy (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Leasing finansowy<\/a><\/strong> ma miejsce, kiedy spe\u0142nione b\u0119d\u0105 \u0142\u0105cznie nast\u0119puj\u0105ce przes\u0142anki:<\/p>\n\n\n\n<ul><li>umowa zosta\u0142a zawarta na czas oznaczony,<\/li><li>suma op\u0142at&nbsp;ustalonych w umowie, pomniejszonych o podatek od towar\u00f3w i us\u0142ug, odpowiada co najmniej warto\u015bci pocz\u0105tkowej&nbsp; przedmiotu umowy,<\/li><li>i wreszcie, umowa zawiera zapis, \u017ce odpis\u00f3w amortyzacyjnych b\u0119dzie dokonywa\u0142 korzystaj\u0105cy.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-ktory-leasing-jest-korzystniejszy-operacyjny-czy-finansowy\">Kt\u00f3ry leasing jest korzystniejszy operacyjny czy finansowy?<\/h2>\n\n\n\n<p>Obie formy maj\u0105 swoje wady i zalety, cho\u0107 bardziej popularny i cz\u0119\u015bciej stosowany jest leasing operacyjny &#8211; z uwagi na korzy\u015bci podatkowe i prostot\u0119 rozlicze\u0144 oraz roz\u0142o\u017cony w czasie VAT.<\/p>\n\n\n\n<p>W przypadku leasingu operacyjnego zyskasz mo\u017cliwo\u015b\u0107 zaliczenia czynszu inicjalnego i pe\u0142nej op\u0142aty leasingowej: kapita\u0142owo-odsetkowej do koszt\u00f3w uzyskania przychod\u00f3w, ale odpis\u00f3w amortyzacyjnych dokonuje finansuj\u0105cy, bo \u015brodek trwa\u0142y ca\u0142y czas pozostaje jego w\u0142asno\u015bci\u0105. Podatek VAT jest p\u0142acony proporcjonalnie wraz z ka\u017cd\u0105 op\u0142at\u0105.&nbsp;<\/p>\n\n\n\n<p>W ramach leasingu finansowego kosztem uzyskania przychodu b\u0119dzie tylko op\u0142ata w cz\u0119\u015bci odsetkowej oraz odpisy amortyzacyjne. Przedmiot umowy jest ewidencjonowany w ksi\u0119gach korzystaj\u0105cego, a po zako\u0144czeniu umowy leasingodawca przenosi na niego w\u0142asno\u015b\u0107&nbsp;u\u017cytkowanej rzeczy &#8211; zwykle po zap\u0142acie ostatniej raty. Minusem jest to, \u017ce podatek VAT nale\u017cy zap\u0142aci\u0107 od ca\u0142o\u015bci transakcji ju\u017c na pocz\u0105tku umowy.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Czy wiesz, za co p\u0142acisz w racie leasingu?<\/strong><\/p><cite>Ubezpieczenie GAP wliczane jest cz\u0119sto do raty leasingu przez najwi\u0119kszych na rynku leasingodawc\u00f3w. Je\u015bli wyst\u0105pi\u0142e\u015b o leasing do PKO Leasing, Alior Leasing, Pekao Leasing, Santander Leasing, mLeasing, IdeaGetin Leasing czy Millennium Leasing sprawd\u017a <strong>czy GAP nie zosta\u0142 ukryty w racie leasingu?<\/strong>!<br>Zwr\u00f3\u0107 na to uwag\u0119 bo GAP u tych leasingodawc\u00f3w jest najcz\u0119\u015bciej drogi a dokupuj\u0105c go indywidualnie mo\u017cesz sporo zyska\u0107. Sk\u0142adki GAP wyliczysz i zam\u00f3wisz w <a href=\"https:\/\/leasing.sos.pl\/kalkulator-ubezpieczenia-gap-warunki\/\">kalkulatorze cen ubezpieczenia GAP<\/a>.<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10-ile-to-kosztuje\">Ile to kosztuje?<\/h2>\n\n\n\n<p>Wysoko\u015b\u0107 miesi\u0119cznych rat jest uzale\u017cniona od pocz\u0105tkowego wk\u0142adu w\u0142asnego leasingobiorcy. Im wi\u0119cej zap\u0142acisz na pocz\u0105tku, tym raty b\u0119d\u0105 ni\u017csze.&nbsp;<\/p>\n\n\n\n<p>Opr\u00f3cz tego trzeba si\u0119 przygotowa\u0107 na:<\/p>\n\n\n\n<ul><li>czynsz inicjalny &#8211; zwykle od 10 do 20% warto\u015bci przedmiotu umowy,<\/li><li>ubezpieczenie &#8211; zawsze obowi\u0105zkowe OC\/AC w przypadku pojazd\u00f3w oraz dobrowolne <a aria-label=\"ubezpieczenie GAP (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/blog\/ubezpieczenie-gap\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">ubezpieczenie GAP<\/a>,<\/li><li>koszt rejestracji &#8211; w przypadku pojazd\u00f3w koszty przerzucane s\u0105 na korzystaj\u0105cego.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-leasing-czy-kredyt-co-wybrac\"><a href=\"https:\/\/leasing.sos.pl\/blog\/kredyt-czy-leasing\/\" data-type=\"post\" data-id=\"21851\">Leasing czy kredyt<\/a> &#8211; co wybra\u0107?<\/h2>\n\n\n\n<p>Je\u015bli chcesz:<\/p>\n\n\n\n<ul><li>zachowa\u0107 wysok\u0105 zdolno\u015b\u0107 kredytow\u0105,&nbsp;<\/li><li>uzyska\u0107 finansowanie bez czasoch\u0142onnych formalno\u015bci,<\/li><li>odnie\u015b\u0107 korzy\u015bci podatkowe (uzale\u017cnione od rodzaju leasingu),<\/li><li>negocjowa\u0107 warunki finansowania,<\/li><li>i cenisz prostot\u0119 rozwi\u0105za\u0144,<\/li><\/ul>\n\n\n\n<p>wybierz leasing.&nbsp;<\/p>\n\n\n\n<p><a aria-label=\"Kredyt  (opens in a new tab)\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-kredyt-gotowka\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Kredyt<\/a> jest podobny w skutkach do leasingu finansowego &#8211; w zakresie amortyzacji czy podatku VAT. Sprawdzi si\u0119, je\u015bli masz w planach przedterminow\u0105 sp\u0142at\u0119 zobowi\u0105zania czy \u015brodki finansowe zamierzasz przeznaczy\u0107 na zakup starszego, u\u017cywanego przedmiotu (w ramach leasingu preferowane s\u0105 rzeczy ruchome nowe).&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-podsumowanie\">Podsumowanie<\/h2>\n\n\n\n<p>W prowadzeniu biznesu pomagaj\u0105 proste rozwi\u0105zania, kt\u00f3re daj\u0105 wymierne korzy\u015bci. Dzi\u0119ki umowie leasingu mo\u017cesz szybko, bez nadmiernych formalno\u015bci, sfinansowa\u0107 firmowe zakupy. Zaanga\u017cowany kapita\u0142 jest niewielki, dzi\u0119ki temu rozw\u00f3j czy modernizacja firmy mo\u017ce by\u0107 prowadzona bez zachwiania jej p\u0142ynno\u015bci finansowej. Leasing nie wp\u0142ywa bezpo\u015brednio na zdolno\u015b\u0107 kredytow\u0105, dlatego nie zamyka drogi do uzyskania takiej formy finansowania w przysz\u0142o\u015bci. Dodatkowo umo\u017cliwia optymalizacj\u0119 podatkow\u0105 &#8211; dzi\u0119ki mo\u017cliwo\u015bci zaliczenia comiesi\u0119cznych rat do koszt\u00f3w uzyskania przychodu. Kluczowy jest wyb\u00f3r odpowiedniego rodzaju leasingu, kt\u00f3ry pozwoli na osi\u0105gni\u0119cie najwi\u0119kszych korzy\u015bci.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Czy chcesz wygodnie si\u0119gn\u0105\u0107 po leasing?<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Skorzystaj z naszego <a rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing?swcfpc=1\" target=\"_blank\" class=\"rank-math-link\">formularza dla leasing online<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center\">Zapewniamy dost\u0119p do wielu bank\u00f3w oraz towarzystw leasingowych. Wieloletnia wsp\u00f3\u0142praca z partnerami finansowymi pozwala nam na negocjowanie korzystnych warunk\u00f3w dla naszych klient\u00f3w. Wst\u0119pn\u0105 kalkulacj\u0119 leasingu przygotujemy zaraz po kontakcie z Tob\u0105.<\/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 > 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.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 > 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.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 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Zapytanie o leasing na Tw\u00f3j przedmiot 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. Co to jest leasing &#8230;dla pocz\u0105tkuj\u0105cych? To umowa cywilnoprawna pomi\u0119dzy finansuj\u0105cym a korzystaj\u0105cym. 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