Deprecated: Creation of dynamic property wpdb::$categories is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$post2cat is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$link2cat is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Return type of WP_Theme::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 554

Deprecated: Return type of WP_Theme::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 595

Deprecated: Return type of WP_Theme::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 535

Deprecated: Return type of WP_Theme::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 544

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/comment-template.php on line 1745

Deprecated: Return type of WP_REST_Request::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 960

Deprecated: Return type of WP_REST_Request::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 980

Deprecated: Return type of WP_REST_Request::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 992

Deprecated: Return type of WP_REST_Request::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 1003

Deprecated: Return type of WP_Block_List::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 151

Deprecated: Return type of WP_Block_List::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 175

Deprecated: Return type of WP_Block_List::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 164

Deprecated: Return type of WP_Block_List::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 186

Deprecated: Return type of WP_Block_List::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 138

Deprecated: Return type of WP_Block_List::offsetExists($index) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 75

Deprecated: Return type of WP_Block_List::offsetGet($index) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 89

Deprecated: Return type of WP_Block_List::offsetSet($index, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 110

Deprecated: Return type of WP_Block_List::offsetUnset($index) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 127

Deprecated: Return type of WP_Block_List::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 199

Deprecated: Creation of dynamic property wpdb::$form_entrymeta is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wp-external-links/includes/admin/class-wpel-network-page.php on line 52

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wp-external-links/includes/admin/class-wpel-settings-page.php on line 84

Deprecated: Creation of dynamic property EverestForms::$task is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/class-everest-forms.php on line 337

Deprecated: Creation of dynamic property EverestForms::$smart_tags is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/class-everest-forms.php on line 338

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property autoptimizeImages::$lazyload_counter is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/autoptimize/classes/autoptimizeImages.php on line 34

Deprecated: Creation of dynamic property autoptimizeImages::$lazyload_counter is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/autoptimize/classes/autoptimizeImages.php on line 34

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$helpers is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property EVF_Field_First_Name::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-first-name.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Last_Name::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-last-name.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Text::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-text.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Textarea::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-textarea.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Select::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-select.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Radio::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-radio.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Checkbox::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-checkbox.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Number::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-number.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Email::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-email.php on line 23

Deprecated: Creation of dynamic property EVF_Field_URL::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-url.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Date_Time::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-date-time.php on line 23

Deprecated: Creation of dynamic property EVF_Field_File_Upload::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-file-upload.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Image_Upload::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-image-upload.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Hidden::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-hidden.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Phone::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-phone.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Password::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-password.php on line 23

Deprecated: Creation of dynamic property EVF_Field_HTML::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-html.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Divider::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-divider.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Title::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-title.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Signature::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-signature.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Address::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-address.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Country::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-country.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Range_Slider::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-range-slider.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Privacy_Policy::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-privacy-policy.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Captcha::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-captcha.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Single::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-single.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Radio::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-radio.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Checkbox::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-checkbox.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Quantity::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-quantity.php on line 22

Deprecated: Creation of dynamic property EVF_Field_Payment_Total::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-total.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Credit_Card::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-credit-card.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Rating::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-rating.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Likert::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-likert.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Scale_Rating::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-scale-rating.php on line 23

Deprecated: DateTime::__construct(): Passing null to parameter #1 ($datetime) of type string is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/script-loader.php on line 333

Deprecated: Creation of dynamic property WP_Block_Type::$skip_inner_blocks is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-type.php on line 347

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 22

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 28

Deprecated: Calling get_class() without arguments is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-http.php on line 328

Deprecated: Return type of Requests_Cookie_Jar::offsetExists($key) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Cookie/Jar.php on line 63

Deprecated: Return type of Requests_Cookie_Jar::offsetGet($key) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Cookie/Jar.php on line 73

Deprecated: Return type of Requests_Cookie_Jar::offsetSet($key, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Cookie/Jar.php on line 89

Deprecated: Return type of Requests_Cookie_Jar::offsetUnset($key) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Cookie/Jar.php on line 102

Deprecated: Return type of Requests_Cookie_Jar::getIterator() should either be compatible with IteratorAggregate::getIterator(): Traversable, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Cookie/Jar.php on line 111

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetExists($key) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 40

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetGet($key) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 51

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetSet($key, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 68

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetUnset($key) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 82

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::getIterator() should either be compatible with IteratorAggregate::getIterator(): Traversable, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 91

Deprecated: trim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp.php on line 173

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-term.php on line 198
Czy pożyczki zmieniają warunki podczas pandemii? - Pożyczko
Deprecated: Creation of dynamic property Yoast\WP\SEO\Surfaces\Classes_Surface::$container is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/surfaces/classes-surface.php on line 20

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$classes is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$page_type is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 43

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Czy pożyczki zmieniają warunki podczas pandemii?

Pandemia koronawirusa potężnie zatrzęsła niemal każdą gałęzią gospodarki. Czy zmieniła także rynek pożyczek pozabankowych? Sprawdźmy, jak na pandemię zareagowali najwięksi pożyczkodawcy na rynku.

 

Choć rząd zdjął już większość obostrzeń, a codzienność Polaków powoli wraca do normy, skutki pandemii koronawirusa wciąż są odczuwalne. Nic dziwnego. Potężne osłabienie gospodarki i wzrost bezrobocia będą zbierać żniwo przez kolejne miesiąca, a nawet lata.

 

Koronawirusa a branża finansowa

 

Koronawirus nie oszczędził także branży finansowej. Efektem pandemii jest m.in. zaostrzenie polityki w zakresie udzielania kredytów hipotecznych (a co za tym idzie mniejsze szanse na uzyskanie finansowania) czy spadki w branży leasingowej. Jak na kryzys gospodarczy zareagowały pozabankowe instytucje finansowe? Czy zaciągnięcie chwilówka jest dziś trudniejsze niż kilka miesięcy temu?

 

Pożyczki pozabankowe w czasach pandemii

 

Na skutek pandemii wprowadzono nowe limity kosztów pozaodsetkowych dla kredytów konsumenckich. Zgodnie z zapisami Ustawy z dnia 31 marca 2020 r. o zmianie ustawy o szczególnych rozwiązaniach związanych z zapobieganiem, przeciwdziałaniem i zwalczaniem COVID-19, innych chorób zakaźnych oraz wywołanych nimi sytuacji kryzysowych oraz niektórych innych ustaw nie mogą one przekroczyć 5% wartości pożyczki. Jeśli okres spłaty pożyczki będzie dłuższy niż 30 dni — limit kosztów wyniesie 15% pożyczonej kwoty oraz dodatkowe 6 proc. za każdy rok spłaty. Aktualny limit kosztów pozaodsetkowych, bez względu na długość spłaty wynosi 45% wartości zobowiązania. Choć takie zmiany z pewnością ucieszyły pożyczkobiorców (niższe koszty), pożyczkodawców postawiły pod symboliczną ścianą. Takie stawki narażają ich bowiem na realną utratę płynności finansowej i rentowności.

 

Jak na zmiany zareagowali najwięksi pożyczkodawcy?

 

Czy największe firmy pożyczkowe zmieniły zasady udzielania pożyczek, dostępne kwoty i okresy spłaty? Sprawdźmy. Pod lupę weźmiemy trzy najbardziej znane firmy: Lendon, Wonga i Vivus.

 

Pandemia a chwilówki w Lendon

 

Osoby, które skorzystają z usług Lendon po raz pierwszy, pożyczą maksymalnie 3000 zł. Niestety, na skutek pandemii pożyczkodawca przestał udzielać darmowych pożyczek. Każda, nawet pierwsza chwilówka będzie więc płatna na standardowych warunkach. Zgodnie z nowym prawem koszty są jednak niższe niż przed pandemią.

Za chwilówkę w kwocie 1000 zł na 30 dni, zapłacisz 161 zł (całkowita kwota do spłaty – 1161 zł). Jeśli pożyczysz 2000 zł, suma opłat wyniesie 322 zł (całkowita kwota do spłaty – 2322 zł). Przy 3000 zł będzie to 482 zł (całkowita kwota do spłaty – 3482 zł).

 

Pandemia a pożyczki w Wonga

 

Podobnie jak przed wybuchem pandemii, Wonga wciąż udziela pożyczek krótkoterminowych (do 30 dni) i ratalnych (maksymalna kwota 15 000 zł, maksymalny okres spłaty – 36 miesięcy). Wciąż oferuje także darmowe chwilówki. Pod warunkiem jednak, że nie pożyczysz więcej niż 1000 zł i dokonasz spłaty w ciągu 30 dni. Jeśli pożyczysz 1000 zł i rozłożysz spłatę na dwie miesiące, kwota miesięcznej raty wyniesie 579,75 zł (całkowita kwota do spłaty 1159,50 zł).

 

Pandemia a chwilówki w Vivus

 

Maksymalna kwota pierwszej pożyczki w Vivus wynosi obecnie 3000 zł (maksymalna kwota kolejnej – 7500 zł). Jeśli spłacisz pierwszą chwilówkę w terminie, nie zapłacisz za nią ani złotówki (RRSO 0%). Jakie są koszty kolejnych pożyczek?

Koszty kolejnych pożyczek w Vivusie są porównywalne z tymi, które zapłacisz w Lendonie.

Jeśli pożyczysz 1000 zł na 30 dni, dodatkowe koszty wyniosą 116,80 zł (całkowita kwota do spłaty – 1160,80 zł). Jeśli pożyczysz 2000 zł, suma opłat wyniesie 321,60 zł (całkowita kwota do spłaty – 2321,60 zł). Przy 3000 zł będzie to 482,40 zł (całkowita kwota do spłaty – 3482,40 zł).

 

Kolejne tygodnie i miesiące udowodnią, jaki wpływ na rynek pożyczek pozabankowych miała pandemia i wynikające z niej nowe prawo. Czy najwięksi gracze utrzymają pozycje liderów? To z pewnością okaże się już niebawem.

 


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