{"id":446,"date":"2022-03-30T00:01:00","date_gmt":"2022-03-29T22:01:00","guid":{"rendered":"https:\/\/leasing.sos.pl\/?p=446"},"modified":"2022-09-10T16:05:49","modified_gmt":"2022-09-10T14:05:49","slug":"leasing-kredyt-gotowka","status":"publish","type":"post","link":"https:\/\/leasing.sos.pl\/blog\/leasing-kredyt-gotowka\/","title":{"rendered":"Leasing czy kredyt a mo\u017ce got\u00f3wka?"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<nav aria-label=\"breadcrumbs\" 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-stajemy-przed-wyborem-wzi%C4%85%C4%87-leasing-kredyt-czy-kupi%C4%87-za-got%C3%B3wk%C4%99\">Stajemy przed wyborem: wzi\u0105\u0107 leasing, kredyt czy kupi\u0107 za got\u00f3wk\u0119?<\/h2>\n\n\n\n<p>Niezale\u017cnie od celu, kt\u00f3remu b\u0119dzie s\u0142u\u017cy\u0142o finansowanie, got\u00f3wka ma sens jedynie w przypadku, kiedy dysponujemy jej znacznym nadmiarem&#8230;cho\u0107 i tak to du\u017ce uproszczenie. Zakupy got\u00f3wkowe do firm s\u0105 &#8211; z ekonomicznego i podatkowego punktu widzenia &#8211; najmniej korzystne.<\/p>\n\n\n\n<p><strong>Wydatku got\u00f3wkowego poniesionego na zakup \u015brodka trwa\u0142ego nie mo\u017cemy jednorazowo wrzuci\u0107 w koszty!<\/strong> Musimy go amortyzowa\u0107 czyli powoli, wg narzuconych limit\u00f3w, zalicza\u0107 do koszt\u00f3w uzyskania przychod\u00f3w. Tylko w przypadku aktyw\u00f3w o warto\u015bci poni\u017cej 10 tys. z\u0142 b\u0119dzie mo\u017cliwa amortyzacja jednorazowa.<\/p>\n\n\n\n<p>Co najwa\u017cniejsze, przy p\u0142aceniu got\u00f3wk\u0105 np. za <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" data-type=\"post\" data-id=\"694\">samoch\u00f3d osobowy do firmy<\/a> czy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow-ciezarowych\/\" data-type=\"post\" data-id=\"692\">pojazd ci\u0119\u017carowy<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-oprogramowania-dla-firm\/\" data-type=\"post\" data-id=\"23455\">specjalistyczne oprogramowanie<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-do-produkcji-tworzyw-sztucznych\/\" data-type=\"post\" data-id=\"22028\">maszyny do recyklingu plastiku<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych\/\" data-type=\"post\" data-id=\"4641\">dowoln\u0105 maszyn\u0119 produkcyjn\u0105<\/a> czy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-sprzetu-komputerowego-it\/\" data-type=\"post\" data-id=\"21954\">sprz\u0119t komputerowy<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-w-gastronomii\/\" data-type=\"post\" data-id=\"21817\">zakup sprz\u0119tu gastronomicznego<\/a> czy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-medyczny-stomatologiczny-laboratoryjny\/\" data-type=\"post\" data-id=\"21648\">modernizacj\u0119 gabinetu lekarskiego<\/a>, pozbawiamy si\u0119 pozytywnego wp\u0142ywu d\u017awigni finansowej, kt\u00f3ra dzia\u0142a tylko przy finansowaniu zewn\u0119trznym.<\/p>\n\n\n\n<p>Dzi\u0119ki niej mo\u017cliwe jest uzyskanie przez przedsi\u0119biorstwo ponadprzeci\u0119tnego efektu ekonomicznego, w wyniku wzrostu przychod\u00f3w ze sprzeda\u017cy (przy sta\u0142ym poziomie koszt\u00f3w sta\u0142ych) poprzez cz\u0119\u015bciowe finansowanie dzia\u0142alno\u015bci gospodarczej kapita\u0142em obcym &#8211; <a href=\"https:\/\/leasing.sos.pl\/blog\/kredyt-czy-leasing\/\" data-type=\"post\" data-id=\"21851\">leasingiem czy te\u017c kredytem<\/a>.<\/p>\n\n\n\n<p>Cz\u0119sto jednak spotykamy si\u0119 z brakiem wiedzy w tym zakresie w\u015br\u00f3d przedsi\u0119biorc\u00f3w. Twierdz\u0105 oni wtedy, \u017ce finanse ich firm nie ucierpi\u0105 na wydatku got\u00f3wkowym skoro dysponuj\u0105 jej nadmiarem. Przedmiot &#8211; pojazd, maszyna czy urz\u0105dzenie &#8211; b\u0119dzie przecie\u017c ich w\u0142asno\u015bci\u0105 a wszelkie formalno\u015bci zwi\u0105zane z zakupem oraz aspekty uj\u0119cia wydatku w kosztach b\u0119d\u0105 proste. Czy s\u0142usznie? Naszym zdaniem nies\u0142usznie. Sprawd\u017amy dlaczego?<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Dlaczego zakup got\u00f3wkowy samochodu powy\u017cej 150 tys z\u0142 jest ma\u0142o op\u0142acalny?<\/strong><\/p><cite>Za\u0142\u00f3\u017cmy, \u017ce dzisiaj kupujesz za got\u00f3wk\u0119 samoch\u00f3d osobowy na firm\u0119 \u2013 zaliczysz go do \u015brodk\u00f3w trwa\u0142ych i b\u0119dziesz dokonywa\u0142 odpis\u00f3w amortyzacyjnych wg stawki 20%. Po 2 -3 latach chcesz go sprzeda\u0107. I tutaj mo\u017cesz bardzo du\u017co straci\u0107. Przy jego odsprzeda\u017cy bowiem &#8211; by poprawnie dokona\u0107 rozliczenia &#8211; b\u0119dziesz m\u00f3g\u0142 zaliczy\u0107 do koszt\u00f3w uzyskania przychod\u00f3w z tej transakcji tylko t\u0119 cz\u0119\u015b\u0107 ceny zap\u0142aconej przy zakupie auta, kt\u00f3ra nie przekracza limitu 150 000 z\u0142 i dodatkowo pomniejszonej o ju\u017c dokonan\u0105, w trakcie u\u017cytkowania auta przez firm\u0119, amortyzacj\u0119. Ostatecznie powoduje to, \u017ce Twoja firma zap\u0142aci bardzo du\u017cy podatek od tej sprzeda\u017cy.<br><strong>Auto w leasingu, szczeg\u00f3lnie na kr\u00f3tki okres 2-3 lat z wysok\u0105 kwot\u0105 wykupu ratuje tu sytuacj\u0119!<\/strong><br>Zatem czy auto w leasing czy za got\u00f3wk\u0119?<\/cite><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-got%C3%B3wka-czy-to-dobra-forma-finansowania\">Got\u00f3wka &#8211; czy to dobra forma finansowania?<\/h2>\n\n\n\n<p>Z regu\u0142y wydatki inwestycyjne, co potwierdza praktyka i do\u015bwiadczenie ekonomiczne, powinny by\u0107 &#8211; przynajmniej w cz\u0119\u015bci &#8211; finansowane kapita\u0142em zewn\u0119trznym. Dlaczego? Gdy\u017c wtedy nie zwi\u0105zujemy z inwestycj\u0105 tylko w\u0142asnego kapita\u0142u. Co wi\u0119cej, mo\u017cemy nim dysponowa\u0107 do cel\u00f3w bie\u017c\u0105cej dzia\u0142alno\u015bci naszej firmy, kt\u00f3ra przynosi nam przecie\u017c doch\u00f3d.<\/p>\n\n\n\n<p>Zatem: skoro mog\u0119 wyda\u0107 na potrzeby w\u0142asne lub mojej firmy cudze pieni\u0105dze a koszt ich pozyskania b\u0119dzie ni\u017cszy ni\u017c osi\u0105gane przeze mnie zyski &#8211; czy to nie jest rozwi\u0105zanie dobre?<\/p>\n\n\n\n<p>Wykorzystamy wtedy wspominan\u0105 ju\u017c d\u017awigni\u0119 finansow\u0105 (<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/pl.wikipedia.org\/wiki\/D%C5%BAwignia_finansowa\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">wi\u0119cej o d\u017awigni<\/a>). Rozwijaj\u0105c jej w\u0105tek, nale\u017cy doda\u0107, i\u017c jej istota sprowadza si\u0119 do tego, \u017ce koszty w postaci rat za u\u017cyczony nam kapita\u0142 zewn\u0119trzny op\u0142acamy z przynosz\u0105cej nam doch\u00f3d dzia\u0142alno\u015bci gospodarczej. R\u00f3\u017cnica mi\u0119dzy tymi wielko\u015bciami (kosztem a dochodem) to nasz zysk. Warto zatem &#8211; przynajmniej cz\u0119\u015bciowo &#8211; finansowa\u0107 swoj\u0105 dzia\u0142alno\u015b\u0107 \u015brodkami zewn\u0119trznymi, np. <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-operacyjny-dlaczego\/\" target=\"_blank\" class=\"rank-math-link\">leasingiem operacyjnym<\/a> a nie got\u00f3wk\u0105.<\/p>\n\n\n\n<p>Roz\u0142o\u017cenie w czasie wydatk\u00f3w na zakup po\u017c\u0105danego przedmiotu i wsparcie si\u0119 finansowaniem zewn\u0119trznym jest rozs\u0105dnym zabiegiem. Got\u00f3wka nie jest wskazana w takich przypadkach. Szczeg\u00f3lnie, je\u015bli spodziewamy si\u0119, i\u017c rentowno\u015b\u0107 naszej dzia\u0142alno\u015bci gospodarczej przewy\u017csza rentowno\u015b\u0107 lokat bankowych dost\u0119pnych na rynku. Pytanie zatem brzmi:<\/p>\n\n\n\n<p><strong>Czy zatem bra\u0107 samoch\u00f3d w leasing czy za got\u00f3wk\u0119?<\/strong> Odpowied\u017a jest jednoznaczna &#8211; wybierz leasing. Zapewni Ci on najwi\u0119ksz\u0105 mo\u017cliw\u0105 optymalizacj\u0119 podatkow\u0105, roz\u0142o\u017cenie wydatk\u00f3w na raty oraz maksymalnie uproszczone procedury.<\/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 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 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.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 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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<link rel='stylesheet' id='formidable-css' href='https:\/\/leasing.sos.pl\/wp-content\/plugins\/formidable\/css\/formidableforms1.css?ver=412006' media='all' \/><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=\"84bfcab60a\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/446\/\" \/><input type=\"hidden\" name=\"item_meta[811]\" id=\"field_jq23f\" value=\"\"  data-invmsg=\"Referer:  is invalid\"   \/><input type=\"hidden\" name=\"item_meta[812]\" id=\"field_8xaj9\" value=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446\/\"  data-frmval=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446\/\" data-invmsg=\"URl:  is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1399]\" id=\"field_cc17t\" value=\"\"  data-invmsg=\"Lead\/Deal source (musi si\u0119 zawiera\u0107 w li\u015bcie dot\u0119pnych opcji do wyboru z CRMa) is invalid\"   \/><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=\"\"  data-invmsg=\"Jakiej wielko\u015bci finansowania potrzebujesz? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1010]\" id=\"field_mcmxc\" value=\"\"  data-sectionid=\"329\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Number is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1609]\" id=\"field_qxrtl\" value=\"Netto\"  data-sectionid=\"329\" data-frmval=\"Netto\" data-invmsg=\"Jak\u0105 warto\u015b\u0107 podajesz? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[330]\" id=\"field_q1v84\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1915]\" id=\"field_52ecy\" value=\"5269\"  data-frmval=\"5269\" data-invmsg=\"Default-owa stawka VAT is invalid\"   \/><input type=\"hidden\" name=\"item_meta[328]\" id=\"field_ix62n\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1404]\" id=\"field_zt4ds\" value=\"\"  data-invmsg=\"Wyst\u0119pujesz w roli przedsi\u0119biorcy czy konsumenta? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1408]\" id=\"field_naei3-0\" value=\"Firma\/JDG\"  data-sectionid=\"336\" data-frmval=\"Firma\/JDG\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"Zamawiasz jako: is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1414]\" id=\"field_r7zxt\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1407]\" id=\"field_st0ro\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1409]\" id=\"field_cv9ar\" value=\"\"  data-invmsg=\"Jak d\u0142ugo Twoja firma dzia\u0142a na rynku? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[335]\" id=\"field_qd5jo-0\" value=\"\"  data-sectionid=\"332\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[333]\" id=\"field_bx6id\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[334]\" id=\"field_f0pde\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1419]\" id=\"field_biivq\" value=\"\"  data-invmsg=\"Wska\u017c przedzia\u0142, w kt\u00f3rym mieszcz\u0105 si\u0119 przybli\u017cone przychody Twojej firmy za ostatnie 12 miesi\u0119cy. is invalid\"   \/><input type=\"hidden\" name=\"item_meta[340]\" id=\"field_y2niu-0\" value=\"\"  data-sectionid=\"1419\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1420]\" id=\"field_xt6un\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1421]\" id=\"field_l7cc8\" value=\"\"  data-invmsg=\"W kt\u00f3rym przedziale mieszcz\u0105 si\u0119 Twoje przybli\u017cone dochody za ostatni rok podatkowy? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1405]\" id=\"field_7h7tz-0\" value=\"\"  data-sectionid=\"1421\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"This field is invalid\"   \/><input type=\"hidden\" name=\"item_meta[1422]\" id=\"field_wep20\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[343]\" id=\"field_mqvfe\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[341]\" id=\"field_ccy38\" value=\"\"  data-invmsg=\"Czy Ty lub Twoja firma posiada negatywne wpisy w bazach typu BIK? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[322]\" id=\"field_ymr4xadb5e748af-0\" value=\"\"  data-sectionid=\"341\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" data-invmsg=\"Status sw\u00f3j lub swojej firmy w bazach BIK\/KRD\/BIG okre\u015blam jako: is invalid\"   \/><input type=\"hidden\" name=\"item_meta[342]\" id=\"field_e9mf\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[346]\" id=\"field_xeoaz\" value=\"\"  data-invmsg=\"Dalej is invalid\"   \/><input type=\"hidden\" name=\"item_meta[317]\" id=\"field_wku54d87c2fea78\" value=\"\"  data-invmsg=\"Jak mamy si\u0119 z Tob\u0105 skontaktowa\u0107? is invalid\"   \/><input type=\"hidden\" name=\"item_meta[318]\" id=\"field_plt3m935c37e99f\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Tutaj wpisz tylko imi\u0119.\" pattern=\"[^s]+$\"   \/><input type=\"hidden\" name=\"item_meta[1411]\" id=\"field_2nrkq\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Text is invalid\"   \/><input type=\"hidden\" name=\"item_meta[319]\" id=\"field_cfqcz5f07741e8d\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr telefonu jest podany niepoprawnie.\"   \/><input type=\"hidden\" name=\"item_meta[320]\" id=\"field_og4gva4be54afcb\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Email jest podany niepoprawnie.\"   \/><input type=\"hidden\" name=\"item_meta[321]\" id=\"field_xxju1d0ee562119\" value=\"\"  data-sectionid=\"317\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr jest podany niepoprawnie.\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[1412]\" id=\"field_kg85x\" value=\"\"  data-sectionid=\"317\" data-invmsg=\"Text is invalid\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/><input type=\"hidden\" name=\"item_meta[323]\" id=\"field_bosaf1c886bc9d5\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/><input type=\"hidden\" name=\"item_meta[324]\" id=\"field_45aa980f4d8b05c-0\" value=\"\"  data-reqmsg=\"To pole wymaga zaznaczenia.\" data-invmsg=\"Klauzula RODO is invalid\"   \/><input type=\"hidden\" name=\"item_meta[831]\" id=\"field_eei0n\" value=\"\"  data-invmsg=\"Hidden for page title is invalid\"   \/><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\/ZAvrgrau9RNsEyI5c\/Me+AL4c94b\/77NmjHwauS90VpcwwaJiZ\" \/><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=\"2-czy-leasing-jest-lepszy-od-kredytu\">Czy leasing jest lepszy od kredytu?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-biurokracja-i-formalno%C5%9Bci\">Biurokracja i formalno\u015bci<\/h3>\n\n\n\n<p>W przypadku kredytu bardzo du\u017cym problemem jest <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/dowod-osobisty-pozyczka-kredyt\/\" target=\"_blank\">biurokracja<\/a> i mnogo\u015b\u0107 dokument\u00f3w wymaganych przy jego udzielaniu \u2013 s\u0105 to m.in. za\u015bwiadczenia z ZUS, US, sprawozdania finansowe, biznesplan. Nierzadko jest to r\u00f3wnie\u017c konieczno\u015b\u0107 posiadania dodatkowego zabezpieczenia, jak te\u017c wk\u0142adu w\u0142asnego, kt\u00f3ry cz\u0119sto jest znacznie wy\u017cszy przy kredycie ni\u017c w przypadku leasingu. To podcina skrzyd\u0142a przedsi\u0119biorcom, szczeg\u00f3lnie <a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/trudny-leasing-bez-bik-krd\/\">tym, kt\u00f3rych historia kredytowa jest bardzo kr\u00f3tka<\/a> lub \u017cadna. Wtedy na kredyt praktycznie nie ma szans.<\/p>\n\n\n\n<p>W przypadku leasingu nie jest wymaganych tyle <a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/warunki-leasingu\/\">formalno\u015bci<\/a> a decyzja leasingowa podejmowana jest na podstawie standardowych i \u0142atwo dost\u0119pnych (szybkich do przygotowania przez przedsi\u0119biorc\u0119) <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/umowa-leasingu\/\" target=\"_blank\">dokument\u00f3w<\/a>. Ten aspekt przemawia na korzy\u015b\u0107 leasingu.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>Dog\u0142\u0119bne por\u00f3wnanie leasingu i kredytu, kt\u00f3re pomo\u017ce Ci w odpowiedzi na pytanie: &#8222;kredyt czy leasing na samoch\u00f3d firmowy?&#8221; znajdziesz w naszej analizie pt. <a href=\"https:\/\/leasing.sos.pl\/blog\/kredyt-czy-leasing\/\" data-type=\"post\" data-id=\"21851\"><strong>Kredyt czy leasing?<\/strong><\/a><\/p><\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-zdolno%C5%9B%C4%87-kredytowa-przy-leasingu\">Zdolno\u015b\u0107 kredytowa przy leasingu<\/h3>\n\n\n\n<p>Umowa <em>lizingu<\/em> operacyjnego (bo w ok. 90% przypadkach to w\u0142a\u015bnie ten rodzaj finansowania dominuje na polskim rynku) nie obci\u0105\u017ca sytuacji finansowej w takim stopniu, jak kredyt. Zapewne ka\u017cdy, kto ubiega\u0142 si\u0119 o kredyt na cokolwiek spotka\u0142 si\u0119 z pytaniem: czy posiada Pan\/i inne sta\u0142e zobowi\u0105zania do sp\u0142aty? I w tym tkwi istota sporu na tle &#8211; <em>leasing czy kredyt?<\/em> <\/p>\n\n\n\n<p>Kredyt to zobowi\u0105zanie sta\u0142e i najcz\u0119\u015bciej d\u0142ugoterminowe. Je\u015bli mamy je zaci\u0105gni\u0119te to musimy je sp\u0142aca\u0107 a zatem pozosta\u0142a do dyspozycji reszta funduszy &#8211; kt\u00f3re mogliby\u015bmy przeznaczy\u0107 na zaci\u0105gni\u0119cie i sp\u0142acanie kolejnego kredytu albo na zabezpieczenie niezb\u0119dne np. przy przetargach &#8211; znacznie si\u0119 zmniejsza.<\/p>\n\n\n\n<p>Leasing, cho\u0107 te\u017c stanowi obci\u0105\u017cenie sta\u0142e jest udzielany najcz\u0119\u015bciej na kr\u00f3tsze terminy a formalno\u015bci z nim zwi\u0105zane pozwalaj\u0105 \u0142atwiej od niego odst\u0105pi\u0107 w razie problem\u00f3w ze sp\u0142at\u0105 (m.in. poprzez <a href=\"https:\/\/leasing.sos.pl\/blog\/cesja-leasingu-odstapie\/\" data-type=\"post\" data-id=\"22370\">cesj\u0119 leasingu<\/a>), na co nie pozwala kredytowanie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-kwestie-windykacyjne\">Kwestie windykacyjne<\/h3>\n\n\n\n<p>Zaleg\u0142o\u015bci w przypadku leasingu nie <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/co-sprawdzaja-przy-leasingu-bez-bik-krd\/\" target=\"_blank\" class=\"rank-math-link\">trafiaj\u0105 do baz BIK czy KRD<\/a> natomiast zaleg\u0142o\u015bci kredytowe l\u0105duj\u0105 tam ju\u017c bardzo szybko. Mog\u0105 zatem &#8222;zepsu\u0107\u201d mo\u017cliwo\u015b\u0107 uzyskania kredytu w przysz\u0142o\u015bci.<\/p>\n\n\n\n<p>Z praktycznego punktu widzenia <em>lizing <\/em>b\u0119dzie mo\u017cna wci\u0105\u017c pozyska\u0107 (nie b\u0119dzie on bowiem ujawniony w rejestrach zad\u0142u\u017cenia), jednak ju\u017c na pewno nie u tego samego leasingodawcy (bo b\u0119dzie mia\u0142 nas w swoich zasobach informacyjnych). Natomiast o kredytowanie b\u0119dzie wtedy bardzo ci\u0119\u017cko.<\/p>\n\n\n\n<p>Z drugiej strony, je\u015bli przytrafi\u0105 si\u0119 trudno\u015bci ze sp\u0142at\u0105 leasingu wtedy konsekwencje b\u0119d\u0105 w miar\u0119 szybkie. Poniewa\u017c nie jeste\u015bmy w\u0142a\u015bcicielem danego \u015brodka, firma leasingowa mo\u017ce po prostu nam go odebra\u0107 po okre\u015blonym czasie od wystosowania wezwania do zap\u0142aty. Tracimy wtedy mo\u017cliwo\u015b\u0107 korzystania z przedmiotu, na kt\u00f3ry wzi\u0119li\u015bmy leasing.<\/p>\n\n\n\n<p>Kredyt pozwala natomiast na zawarcie porozumienia z bankiem. To za\u015b nie b\u0119dzie automatycznie oznacza\u0142o utraty danego przedmiotu. Zauwa\u017cmy, \u017ce w przypadku kredytu jeste\u015bmy w\u0142a\u015bcicielami danego dobra. Pozwala nam to znale\u017a\u0107 inne \u015bcie\u017cki wyj\u015bcia z problem\u00f3w np. sprzeda\u0107 \u015brodek trwa\u0142y i sp\u0142aci\u0107 z niego pozosta\u0142\u0105 cz\u0119\u015b\u0107 zobowi\u0105zania kredytowego.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#kt-layout-id_890b2b-82 > .kt-row-column-wrap{z-index:10;position:relative;align-content:center;}:where(#kt-layout-id_890b2b-82 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);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:80px;padding-left:80px;padding-right:40px;grid-template-columns:minmax(0, calc(75% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2))) minmax(0, calc(25% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}#kt-layout-id_890b2b-82{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;overflow:hidden;isolation:isolate;border-color:var(--global-palette1, #3182CE);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}#kt-layout-id_890b2b-82 > .kt-row-layout-overlay{opacity:0.33;background-image:linear-gradient(180deg,  0%, #00B5E2 100%);}#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep{height:100px;}#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep svg{width:100%;}#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep svg{fill:var(--global-palette8, #F7FAFC)!important;}#kt-layout-id_890b2b-82 .kt-row-layout-top-sep{height:236px;}#kt-layout-id_890b2b-82 .kt-row-layout-top-sep svg{width:168%;}#kt-layout-id_890b2b-82 .kt-row-layout-top-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){#kt-layout-id_890b2b-82 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){#kt-layout-id_890b2b-82 > .kt-row-column-wrap{padding-top:20px;padding-bottom:10px;padding-left:10px;padding-right:10px;grid-template-columns:minmax(0, 1fr);}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1){order:2;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2){order:1;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3){order:12;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4){order:11;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(5){order:22;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(6){order:21;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(7){order:32;}#kt-layout-id_890b2b-82 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(8){order:31;}#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep{height:px;}#kt-layout-id_890b2b-82 .kt-row-layout-bottom-sep svg{width:%;}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignwide\"><div id=\"kt-layout-id_890b2b-82\" class=\"kt-row-layout-inner kt-row-has-bg kt-layout-id_890b2b-82 has-theme-palette-7-background-color\"><div class=\"kt-row-layout-top-sep kt-row-sep-type-threelevelsi\"><svg style=\"fill:#ffffff\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\"><path style=\"opacity:0.33\" d=\"M1000 95L0 0v100h1000v-5z\"><\/path><path style=\"opacity:0.66\" d=\"M1000 95L0 27.056V100h1000v-5z\"><\/path><path d=\"M1000 95L0 54.113V100h1000v-5z\"><\/path><\/svg><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-wider kt-v-gutter-default kt-row-valign-middle kt-row-layout-equal kt-tab-layout-inherit kt-m-colapse-right-to-left kt-mobile-layout-row  kt-custom-first-width-75  kt-custom-second-width-25 kb-theme-content-width\"><style>.kadence-column_b77aa8-2d > .kt-inside-inner-col{padding-top:25px;padding-bottom:25px;padding-left:25px;padding-right:25px;}.kadence-column_b77aa8-2d > .kt-inside-inner-col{box-shadow:inset 0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_b77aa8-2d > .kt-inside-inner-col,.kadence-column_b77aa8-2d > .kt-inside-inner-col:before{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kadence-column_b77aa8-2d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_b77aa8-2d > .kt-inside-inner-col{flex-direction:column;}.kadence-column_b77aa8-2d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_b77aa8-2d > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column_b77aa8-2d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_b77aa8-2d{text-align:center;}.kadence-column_b77aa8-2d{position:relative;}@media all and (max-width: 1024px){.kadence-column_b77aa8-2d > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_b77aa8-2d > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_b77aa8-2d\"><div class=\"kt-inside-inner-col\"><div class=\"frm_forms  with_frm_style frm_center_submit frm_style_kadence\" id=\"frm_form_30_container\" >\n<form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_ajax_submit  frm_pro_form  frm_logic_form \" id=\"form_wniosekoleasingshort\"  >\n<div class=\"frm_form_fields  frm_page_num_1\">\n<fieldset>\n<legend class=\"frm_screen_reader\">L.2  Leasing? W 30 sek.<\/legend>\r\n\r\n<div class=\"frm_fields_container\">\n<input type=\"hidden\" name=\"frm_action\" value=\"create\" \/>\n<input type=\"hidden\" name=\"form_id\" value=\"30\" \/>\n<input type=\"hidden\" name=\"frm_hide_fields_30\" id=\"frm_hide_fields_30\" value=\"\" \/>\n<input type=\"hidden\" name=\"form_key\" value=\"wniosekoleasingshort\" \/>\n<input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/>\n<input type=\"hidden\" id=\"frm_submit_entry_30\" name=\"frm_submit_entry_30\" value=\"84bfcab60a\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/446\/\" \/><input type=\"hidden\" name=\"item_meta[817]\" id=\"field_7uuyg\" value=\"\"  data-invmsg=\"Referer:  is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[816]\" id=\"field_ide0a\" value=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446\/\"  data-frmval=\"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446\/\" data-invmsg=\"URl:  is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[1361]\" id=\"field_2qcn4\" value=\"\"  data-invmsg=\"Lead\/Deal source (musi si\u0119 zawiera\u0107 w li\u015bcie dot\u0119pnych opcji do wyboru z CRMa) is invalid\"   \/>\n<div id=\"frm_field_705_container\" class=\"frm_form_field frm_section_heading form-field  frm_hide_section\">\r\n<h3 class=\"frm_pos_none frm_section_spacing\"><\/h3>\r\n\r\n\r\n<div id=\"frm_field_706_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm12 frm_first\">\r\n    <label for=\"field_bu4191d2c46970d\" id=\"field_bu4191d2c46970d_label\" class=\"frm_primary_label\">Co chcesz wyleasingowa\u0107? \r\n        <span class=\"frm_required\">*<\/span>\r\n    <\/label>\r\n    <input type=\"text\" id=\"field_bu4191d2c46970d\" name=\"item_meta[706]\" value=\"\"  data-sectionid=\"705\" placeholder=\"np. nazwa, marka, model, wersja, przeznaczenie\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Tekst is invalid\" aria-invalid=\"false\"   aria-describedby=\"frm_desc_field_bu4191d2c46970d\"\/>\r\n    <div class=\"frm_description\" id=\"frm_desc_field_bu4191d2c46970d\">Podaj opis lub link do strony www z przedmiotem.<\/div>\r\n    \r\n<\/div>\n<div id=\"frm_field_707_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm5 frm_first\">\r\n    <label for=\"field_bvlbp7c3dcc106c\" id=\"field_bvlbp7c3dcc106c_label\" class=\"frm_primary_label\">Cena przedmiotu (z\u0142):\r\n        <span class=\"frm_required\">*<\/span>\r\n    <\/label>\r\n    <input type=\"number\" id=\"field_bvlbp7c3dcc106c\" name=\"item_meta[707]\" value=\"\"  data-sectionid=\"705\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Liczba podana nieprawid\u0142owo.\" aria-invalid=\"false\"   min=\"1999\" max=\"999999999\" step=\"any\"\/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_1606_container\" class=\"frm_form_field form-field  frm_top_container frm4\">\r\n    <label for=\"field_kvtcb\" id=\"field_kvtcb_label\" class=\"frm_primary_label\">Jak\u0105 cen\u0119 podajesz?\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/label>\r\n    \n<div >\n    <label class=\"frm_switch_block\">\n\t\t\t\t\t<span class=\"frm_off_label frm_switch_opt\">Brutto<\/span>\n\t\t\n\t\t<input type=\"checkbox\" name=\"item_meta[1606][]\" id=\"field_kvtcb\" value=\"Netto\"\n\t\t\t checked='checked'\t\t\t\t\t\t\tdata-off=\"Brutto\"\n\t\t\t\t\t\t data-sectionid=\"705\" data-frmval=\"Netto\" data-invmsg=\"Jak\u0105 cen\u0119 podajesz? is invalid\" aria-invalid=\"false\"  \t\t\/>\n\n\t\t<span class=\"frm_switch\" tabindex=\"0\" role=\"switch\" aria-labelledby=\"field_kvtcb_label\" aria-checked=\"true\">\n\t\t\t<span class=\"frm_slider\"><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t<span class=\"frm_on_label frm_switch_opt\">Netto<\/span>\n\t\t\t<\/label>\n<\/div>\n\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_728_container\" class=\"frm_form_field form-field  frm_top_container frm12 frm_first frm_three_col\">\r\n    <div  id=\"field_yswdm_label\" class=\"frm_primary_label\">Na czym zale\u017cy Ci najbardziej?\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/div>\r\n    <div class=\"frm_opt_container\" aria-labelledby=\"field_yswdm_label\" role=\"group\">\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-0\"><label for=\"field_yswdm-0\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-0\" value=\"Wysokim wykupie\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Wysokim wykupie<\/label><\/div>\n\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-1\"><label for=\"field_yswdm-1\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-1\" value=\"Leasingu bez BIK\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Leasingu bez BIK<\/label><\/div>\n\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-2\"><label for=\"field_yswdm-2\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-2\" value=\"Leasingu zwrotnym\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Leasingu zwrotnym<\/label><\/div>\n\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-3\"><label for=\"field_yswdm-3\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-3\" value=\"Wysokiej wp\u0142acie inicjalnej\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Wysokiej wp\u0142acie inicjalnej<\/label><\/div>\n\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-4\"><label for=\"field_yswdm-4\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-4\" value=\"Kr\u00f3tkim okresie leasingu\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Kr\u00f3tkim okresie leasingu<\/label><\/div>\n\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_728-705-5\"><label for=\"field_yswdm-5\"><input type=\"checkbox\" name=\"item_meta[728][]\" id=\"field_yswdm-5\" value=\"Leasingu dla nowych firm\"  data-sectionid=\"705\" data-invmsg=\"Na czym zale\u017cy Ci najbardziej? is invalid\" aria-invalid=\"false\"   \/> Leasingu dla nowych firm<\/label><\/div>\n<\/div>\r\n    \r\n    \r\n<\/div>\n<\/div>\n<div id=\"frm_field_1913_container\" class=\"frm_form_field form-field  frm_top_container frm_first frm_hidden frm_dynamic_select_container\">\r\n    <label for=\"field_rwjmn\" id=\"field_rwjmn_label\" class=\"frm_primary_label\">Default-owa stawka VAT\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/label>\r\n    <div class=\"frm_data_container\" aria-labelledby=\"field_rwjmn_label\" role=\"group\"><input type=\"hidden\" value=\"5269\" name=\"item_meta[1913]\"  id=\"field_rwjmn\" \/><select disabled=\"disabled\"  readonly=\"readonly\"  data-frmval=\"5269\" data-invmsg=\"Default-owa stawka VAT is invalid\" aria-invalid=\"false\"  >\n<option  value=\"\"> <\/option><option  value=\"5269\" selected='selected'>23<\/option><\/select>\n<\/div>\r\n    \r\n    \r\n<\/div>\n<input type=\"hidden\" name=\"frm_page_order_30\" id=\"frm_page_order_30\" value=\"20\" \/><input type=\"hidden\" name=\"item_meta[720]\" id=\"field_wku54eb19ab40fe\" value=\"\"  data-invmsg=\"Informacje kontaktowe is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[1366]\" id=\"field_cqf0\" value=\"Firma\/JDG\"  data-sectionid=\"720\" data-frmval=\"Firma\/JDG\" data-invmsg=\"Zamawiasz jako is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[1067]\" id=\"field_hvp1w\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Tutaj wpisz tylko imi\u0119.\" pattern=\"[^s]+$\"   \/>\n<input type=\"hidden\" name=\"item_meta[1367]\" id=\"field_ak7tf\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Text is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[722]\" id=\"field_cfqcz740f600a39\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr tel. jest niepoprawny\"   \/>\n<input type=\"hidden\" name=\"item_meta[723]\" id=\"field_og4gvce1385e467\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Email jest niepoprawny.\"   \/>\n<input type=\"hidden\" name=\"item_meta[724]\" id=\"field_xxju183bc18b6c9\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga uzupe\u0142nienia.\" aria-required=\"true\" data-invmsg=\"Nr jest podany nieprawid\u0142owo.\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/>\n<input type=\"hidden\" name=\"item_meta[1368]\" id=\"field_4ufy7\" value=\"\"  data-sectionid=\"720\" data-invmsg=\"Text is invalid\" pattern=\"\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d\\d$\"   \/>\n<input type=\"hidden\" name=\"item_meta[727]\" id=\"field_45aa9c86948ebeb-0\" value=\"\"  data-sectionid=\"720\" data-reqmsg=\"To pole wymaga zaznaczenia.\" data-invmsg=\"Klauzula RODO is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[726]\" id=\"field_bosaf75a305bf23\" value=\"\"  data-invmsg=\"Section Buttons is invalid\"   \/>\n<input type=\"hidden\" name=\"item_meta[830]\" id=\"field_u2yte\" value=\"\"  data-invmsg=\"Hidden for post title is invalid\"   \/>\n\t<input type=\"hidden\" name=\"item_key\" value=\"\" \/>\n\t\t\t\t<div class=\"frm__6562105271e2f\">\n\t\t\t\t<label for=\"frm_email_30\" >\n\t\t\t\t\tIf you are human, leave this field blank.\t\t\t\t<\/label>\n\t\t\t\t<input  id=\"frm_email_30\" type=\"text\" class=\"frm_verify\" name=\"frm__6562105271e2f\" value=\"\" autocomplete=\"false\"  \/>\n\t\t\t<\/div>\n\t\t<input name=\"frm_state\" type=\"hidden\" value=\"1aXwvtr3\/MOWX\/ZAvrgrau9RNsEyI5c\/Me+AL4c94b\/77NmjHwauS90VpcwwaJiZ\" \/><div class=\"frm_submit\">\r\n\r\n<button class=\"frm_button_submit\" type=\"submit\"  >ZAM\u00d3W LEASING<\/button>\r\n\r\n<\/div><\/div>\n<\/fieldset>\n<\/div>\n<\/form>\n<\/div>\n\n\n<style>.kb-image_2b592d-62:not(.kb-image-is-ratio-size) .kb-img, .kb-image_2b592d-62.kb-image-is-ratio-size{padding-top:20px;}.kb-image_2b592d-62 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image_2b592d-62\"><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 to 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\n<style>.kadence-column_a6a2b4-2e > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_a6a2b4-2e > .kt-inside-inner-col,.kadence-column_a6a2b4-2e > .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_a6a2b4-2e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_a6a2b4-2e > .kt-inside-inner-col{flex-direction:column;}.kadence-column_a6a2b4-2e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_a6a2b4-2e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_a6a2b4-2e{position:relative;}@media all and (max-width: 1024px){.kadence-column_a6a2b4-2e > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column_a6a2b4-2e > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_a6a2b4-2e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading_ceda24-153, .wp-block-kadence-advancedheading.kt-adv-heading_ceda24-153[data-kb-block=\"kb-adv-heading_ceda24-153\"]{font-size:42px;font-weight:400;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_ceda24-153 mark, .wp-block-kadence-advancedheading.kt-adv-heading_ceda24-153[data-kb-block=\"kb-adv-heading_ceda24-153\"] 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_ceda24-153, .wp-block-kadence-advancedheading.kt-adv-heading_ceda24-153[data-kb-block=\"kb-adv-heading_ceda24-153\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading_ceda24-153 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading_ceda24-153\"><strong>LEASING?<\/strong><\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_377990-144, .wp-block-kadence-advancedheading.kt-adv-heading_377990-144[data-kb-block=\"kb-adv-heading_377990-144\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_377990-144 mark, .wp-block-kadence-advancedheading.kt-adv-heading_377990-144[data-kb-block=\"kb-adv-heading_377990-144\"] 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_377990-144, .wp-block-kadence-advancedheading.kt-adv-heading_377990-144[data-kb-block=\"kb-adv-heading_377990-144\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading_377990-144 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading_377990-144\"><strong>WYPE\u0141NISZ W 30 SEKUND!<\/strong><\/p>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-przeznaczenie-i-okres-finansowania\">Przeznaczenie i okres finansowania<\/h3>\n\n\n\n<p>Powy\u017csze kwestie stanowi\u0105 r\u00f3wnie\u017c o tym, \u017ce kredyt bardziej op\u0142aca si\u0119 zaci\u0105ga\u0107 na wydatki inwestycyjne o charakterze trwa\u0142ym np. zakup nieruchomo\u015bci. W przypadku ch\u0119ci pozyskania <a aria-label=\"maszyn lub urz\u0105dze\u0144 (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych\/\" target=\"_blank\" class=\"rank-math-link\">maszyn lub urz\u0105dze\u0144 produkcyjnych<\/a> albo <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow-ciezarowych\/\" target=\"_blank\" class=\"rank-math-link\">pojazd\u00f3w transportu ci\u0119\u017ckiego<\/a>, powinni\u015bmy sk\u0142ania\u0107 si\u0119 w kierunku zawarcia <a href=\"https:\/\/leasing.sos.pl\/4-kroki-do-leasingu\/umowa-leasingu\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">umowy leasingowej<\/a>.<\/p>\n\n\n\n<p>Sam okres leasingowania z regu\u0142y nie przekracza 5-6 lat. Po tym czasie mo\u017cemy wykupi\u0107 dany przedmiot na w\u0142asno\u015b\u0107. W przypadku kredytu, okres kredytowania mo\u017ce by\u0107 znacznie d\u0142u\u017cszy. Ograniczeniem w tym przypadku b\u0119d\u0105 jedynie wewn\u0119trzne procedury i warunki \u015bwiadczenia us\u0142ug kredytowych przez dany bank.<\/p>\n\n\n\n<p>Co jednak istotne, kredytowa\u0107 mo\u017cemy praktycznie ka\u017cdy przedmiot, niezale\u017cnie od wieku, co nie jest ju\u017c tak proste w przypadku <em>lizingu<\/em>, kt\u00f3ry preferuje g\u0142\u00f3wnie <a aria-label=\" (opens in a new tab)\" class=\"rank-math-link\" rel=\"noreferrer noopener\" href=\"https:\/\/centrum.auto.pl\/\" target=\"_blank\">nowe samochody osobowe<\/a>, <a aria-label=\" (opens in a new tab)\" class=\"rank-math-link\" rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych\/\" target=\"_blank\">maszyny i urz\u0105dzania produkcyjne<\/a>, <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-autobusow\/\" target=\"_blank\">autobusy<\/a>, <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-ciagnika-siodlowego\/\" target=\"_blank\">ci\u0105gniki siod\u0142owe<\/a>, <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/samochod-dostawczy-w-leasingu\/\" target=\"_blank\">auta dostawcze<\/a>, <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-budowlanych\/\" target=\"_blank\">koparko-\u0142adowarki<\/a>, linie technologiczne, w tym <a href=\"https:\/\/leasing.sos.pl\/blog\/maszyny-dla-przemyslu-spozywczego-w-leasing\/\" data-type=\"post\" data-id=\"22495\">maszyny do przemys\u0142u spo\u017cywczego<\/a>, <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-do-produkcji-tworzyw-sztucznych\/\" data-type=\"post\" data-id=\"22028\">automatyk\u0119 do przetw\u00f3rstwa tworzyw sztucznych<\/a> czy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-na-maszyny-do-obrobki-metalu\/\" data-type=\"post\" data-id=\"22143\">urz\u0105dze\u0144 do obr\u00f3bki metalu<\/a>, a tak\u017ce oprogramowanie czy <a href=\"https:\/\/leasing.sos.pl\/blog\/leasing-sprzetu-komputerowego-it\/\" data-type=\"post\" data-id=\"21954\">sprz\u0119t IT<\/a>, itp.<\/p>\n\n\n\n<p><a href=\"https:\/\/leasing.sos.pl\/blog\/kredyt-czy-leasing\/\" data-type=\"post\" data-id=\"21851\">Leasing vs kredyt<\/a> &#8211; co wybra\u0107? Mimo wszystko to por\u00f3wnanie wygrywa leasingowanie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-op%C5%82acalno%C5%9B%C4%87-podatkowa-leasingu\">Op\u0142acalno\u015b\u0107 podatkowa leasingu<\/h3>\n\n\n\n<p>Niezaprzeczaln\u0105 zalet\u0105 leasingu operacyjnego, poza sam\u0105 prostot\u0105 konstrukcji tego instrumentu finansowego, jest jego efektywny wp\u0142yw na korzy\u015bci podatkowe zar\u00f3wno w podatku dochodowym, jak i VAT.<\/p>\n\n\n\n<p>Pozwala on bowiem wszystkie op\u0142aty zaliczy\u0107 do koszt\u00f3w uzyskania przychod\u00f3w. Wyj\u0105tek stanow\u0105 drogie <a rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/zmiany-leasing-2019\/\" target=\"_blank\" class=\"rank-math-link\">samochody osobowe leasingowane na firmy od 2019<\/a> r. Niemniej jednak auto osobowe kupione na kredyt, staj\u0105c si\u0119 nasz\u0105 w\u0142asno\u015bci\u0105 podlega pod przepisy dotycz\u0105ce amortyzacji \u2013 nie mo\u017cemy go od razu zaliczy\u0107 w koszty bo dopiero po 5 latach. Przy leasingu operacyjnym praktycznie ca\u0142\u0105 warto\u015b\u0107 wydatk\u00f3w leasingowych zaliczamy w koszty w okresie leasingowania, kt\u00f3ry mo\u017ce trwa\u0107 nawet 2 lata! Dodatkowo, odpowiednio ustalaj\u0105c wysoko\u015b\u0107 leasingowej op\u0142aty wst\u0119pnej &#8211; w miesi\u0105cu, w kt\u00f3rym zawarta zostaje umowa leasingu &#8211; mo\u017cemy znacznie zmniejszy\u0107 podstaw\u0119 opodatkowania, na co nie pozwala kredyt.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Ile wynios\u0105 realne koszty podatkowe aut osobowych?<\/strong><\/p><cite>Je\u015bli chcesz sprawdzi\u0107 ile wynios\u0105 realne koszty podatkowe dla samochod\u00f3w osobowych z 50% odliczeniem VAT oraz ze 100% odliczeniem VAT &#8211; <a href=\"https:\/\/leasing.sos.pl\/kalkulator-leasingu\/excel\/\" target=\"_blank\" data-type=\"page\" data-id=\"31662\" rel=\"noreferrer noopener\">pobierz kalkulator leasingowy w Excelu<\/a>.<br>Z oblicze\u0144 kalkulatora leasingu dowiesz si\u0119, <strong>w jakiej maksymalnej cenie brutto<\/strong> powiniene\u015b szuka\u0107 auta <strong>by wszystkie wydatki leasingowe<\/strong> (nie eksploatacyjne) <strong>zalicza\u0107 w koszty<\/strong> dzia\u0142alno\u015bci swojej firmy.<\/cite><\/blockquote>\n\n\n\n<p>Sam podatek VAT w przypadku leasingu operacyjnego jest rozliczany stopniowo, z ka\u017cd\u0105 faktur\u0105 dokumentuj\u0105c\u0105 rat\u0119 leasingow\u0105. W przypadku kredytu, jak i zakupu got\u00f3wkowego, VAT p\u0142acisz jednorazowo \u2013 z g\u00f3ry \u2013 przy zakupie \u015brodka trwa\u0142ego, co oznacza najcz\u0119\u015bciej spory wydatek ju\u017c na samym pocz\u0105tku, na czym najcz\u0119\u015bciej nikomu nie zale\u017cy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-co-zatem-wybra%C4%87-leasing-czy-kredyt\">Co zatem wybra\u0107 &#8211; leasing czy kredyt?<\/h2>\n\n\n\n<p>Je\u015bli jeste\u015b now\u0105 firm\u0105 albo kr\u00f3tko dzia\u0142aj\u0105c\u0105 na rynku; nie chcesz przechodzi\u0107 przez procedur\u0119 i <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/skutecznie-leasingujemy\/\" target=\"_blank\">zawraca\u0107 sobie g\u0142ow\u0119 nadmiernymi formalno\u015bciami i biurokracj\u0105<\/a>; chcesz <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/szybko-leasing\/\" target=\"_blank\">szybko dysponowa\u0107 \u015brodkiem trwa\u0142ym<\/a> (<a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-samochodow\/\" target=\"_blank\">samochodem osobowym, dostawczym<\/a>, <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/leasing-maszyn-budowlanych\/\" target=\"_blank\">maszyn\u0105 przemys\u0142ow\u0105<\/a> lub <a aria-label=\" (opens in a new tab)\" class=\"rank-math-link\" rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/blog\/dlaczego-leasing-maszyn-urzadzen-produkcyjnych\/\" target=\"_blank\">urz\u0105dzeniem produkcyjnym<\/a>), kt\u00f3ry b\u0119dziesz wykorzystywa\u0107 w swojej dzia\u0142alno\u015bci; a ju\u017c na pewno, je\u015bli ma ona <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/odpowiedzialnie-leasing\/\" target=\"_blank\">s\u0142u\u017cy\u0107 zarabianiu przez Ciebie pieni\u0119dzy<\/a> a nie tylko obrony przez odprowadzeniem nadmiernej kwoty do fiskusa &#8211; <a rel=\"noreferrer noopener\" href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing\/\" target=\"_blank\" data-type=\"page\" data-id=\"483\">skorzystaj z finansowania leasingowego<\/a>!<\/p>\n\n\n\n<p>Je\u015bli dodatkowo dotychczas <a class=\"rank-math-link\" rel=\"noopener noreferrer\" href=\"https:\/\/leasing.sos.pl\/blog\/trudny-leasing-bez-bik-krd\/\" target=\"_blank\">nie by\u0142e\u015b w stanie uzyska\u0107 leasingu<\/a> albo odm\u00f3wiono Ci jego otrzymania sprawd\u017a nasz\u0105 ofert\u0119 dotycz\u0105c\u0105 udzielania <a aria-label=\" (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/blog\/trudny-leasing-bez-bik-krd\/\" target=\"_blank\" rel=\"noreferrer noopener\">trudnego leasingu<\/a>.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Czy nadszed\u0142 w\u0142a\u015bnie czas na leasing dla Ciebie lub Twojej firmy?<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Wype\u0142nij wst\u0119pny wniosek o <a class=\"rank-math-link\" href=\"https:\/\/leasing.sos.pl\/wniosek-o-leasing-online\/\">leasing on-line<\/a> &#8211; zajmie Ci to 60 sekund.<\/strong><\/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% - 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(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, 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.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 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Sans';}.wp-block-kadence-advancedheading.kt-adv-heading_71459e-6a18 mark, .wp-block-kadence-advancedheading.kt-adv-heading_71459e-6a18[data-kb-block=\"kb-adv-heading_71459e-6a18\"] 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_71459e-6a18 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading_71459e-6a18\"><meta charset=\"utf-8\">Realna Pomoc w Wyborze Ofert<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Stajemy przed wyborem: wzi\u0105\u0107 leasing, kredyt czy kupi\u0107 za got\u00f3wk\u0119? Niezale\u017cnie od celu, kt\u00f3remu b\u0119dzie s\u0142u\u017cy\u0142o finansowanie, got\u00f3wka ma sens jedynie w przypadku, kiedy dysponujemy jej znacznym nadmiarem&#8230;cho\u0107 i tak to du\u017ce uproszczenie. Zakupy got\u00f3wkowe do firm s\u0105 &#8211; z ekonomicznego i podatkowego punktu widzenia &#8211; najmniej korzystne. Wydatku got\u00f3wkowego poniesionego na zakup \u015brodka trwa\u0142ego&#8230;<\/p>\n","protected":false},"author":2,"featured_media":12909,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15,1,18],"tags":[],"taxonomy_info":{"category":[{"value":15,"label":"Podstawy leasingu"},{"value":1,"label":"Koszty"},{"value":18,"label":"Podatki"}]},"featured_image_src_large":["https:\/\/leasing.sos.pl\/wp-content\/uploads\/leasing-kredyt-gotowka\/Czy-leasing-czy-kredyt-czy-gotowka-Leasing-S.O.S..jpg",1024,386,false],"author_info":{"display_name":"Adam Drzas","author_link":"https:\/\/leasing.sos.pl\/autor\/adam\/"},"comment_info":0,"category_info":[{"term_id":15,"name":"Podstawy leasingu","slug":"podstawy-leasingu","term_group":0,"term_taxonomy_id":15,"taxonomy":"category","description":"","parent":0,"count":24,"filter":"raw","cat_ID":15,"category_count":24,"category_description":"","cat_name":"Podstawy leasingu","category_nicename":"podstawy-leasingu","category_parent":0},{"term_id":1,"name":"Koszty","slug":"koszty","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","cat_ID":1,"category_count":9,"category_description":"","cat_name":"Koszty","category_nicename":"koszty","category_parent":0},{"term_id":18,"name":"Podatki","slug":"podatki","term_group":0,"term_taxonomy_id":18,"taxonomy":"category","description":"","parent":0,"count":10,"filter":"raw","cat_ID":18,"category_count":10,"category_description":"","cat_name":"Podatki","category_nicename":"podatki","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446"}],"collection":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/comments?post=446"}],"version-history":[{"count":0,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/posts\/446\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/media\/12909"}],"wp:attachment":[{"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/media?parent=446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/categories?post=446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/leasing.sos.pl\/wp-json\/wp\/v2\/tags?post=446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}