{"id":10,"date":"2025-07-21T19:47:47","date_gmt":"2025-07-21T17:47:47","guid":{"rendered":"https:\/\/xn--szmolgp-iwa0f0e.hu\/?page_id=10"},"modified":"2025-07-21T19:47:47","modified_gmt":"2025-07-21T17:47:47","slug":"kalkulator-thm","status":"publish","type":"page","link":"https:\/\/xn--szmolgp-iwa0f0e.hu\/pl\/thm-kalkulator\/","title":{"rendered":"Kalkulator RRSO"},"content":{"rendered":"<h1 class=\"wp-block-heading has-text-align-center\" style=\"margin-bottom:2rem\">Kalkulator THM \u2013 Ca\u0142kowity Rzeczywisty Koszt Kredytu<\/h1>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:3rem\">Oblicz rzeczywisty koszt kredytu za pomoc\u0105 wska\u017anika THM (Ca\u0142kowity Rzeczywisty Koszt Kredytu). Wska\u017anik ten obejmuje wszystkie koszty i op\u0142aty, dzi\u0119ki czemu pokazuje rzeczywist\u0105 cen\u0119 kredytu.<\/p>\n\n\n        <div class=\"thm-kalkulator-container\" data-theme=\"default\" data-currency=\"HUF\">\r\n            <div class=\"calculator\">\r\n                <h2>Kalkulator RRSO<\/h2>\r\n                <p class=\"calculator-description\">Dok\u0142adne obliczenie Ca\u0142kowitego Rzeczywistego Kosztu Kredytu<\/p>\r\n                \r\n                <div class=\"input-section\">\r\n                    <div class=\"input-group\">\r\n                        <label for=\"loan-amount\">Kwota kredytu (HUF)<\/label>\r\n                        <input type=\"number\" id=\"loan-amount\" placeholder=\"1000000\" min=\"10000\" step=\"10000\" required>\r\n                        <span class=\"input-hint\">Kwota zaci\u0105gni\u0119tego kredytu<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"nominal-rate\">Nominalne oprocentowanie (%)<\/label>\r\n                        <input type=\"number\" id=\"nominal-rate\" placeholder=\"12.5\" min=\"0.1\" max=\"50\" step=\"0.1\" required>\r\n                        <span class=\"input-hint\">Roczna nominalna stopa procentowa<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"loan-term\">Okres kredytowania (miesi\u0105ce)<\/label>\r\n                        <input type=\"number\" id=\"loan-term\" placeholder=\"60\" min=\"1\" max=\"360\" step=\"1\" required>\r\n                        <span class=\"input-hint\">Okres kredytowania w miesi\u0105cach<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"payment-frequency\">Cz\u0119stotliwo\u015b\u0107 sp\u0142at<\/label>\r\n                        <select id=\"payment-frequency\">\r\n                            <option value=\"monthly\">Miesi\u0119czna<\/option>\r\n                            <option value=\"quarterly\">Kwartalna<\/option>\r\n                            <option value=\"semi-annual\">P\u00f3\u0142roczna<\/option>\r\n                            <option value=\"annual\">Rocznie<\/option>\r\n                        <\/select>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"processing-fee\">Op\u0142ata administracyjna (HUF)<\/label>\r\n                        <input type=\"number\" id=\"processing-fee\" placeholder=\"0\" min=\"0\" step=\"1000\">\r\n                        <span class=\"input-hint\">Jednorazowa op\u0142ata administracyjna<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"monthly-fee\">Miesi\u0119czna op\u0142ata administracyjna (HUF)<\/label>\r\n                        <input type=\"number\" id=\"monthly-fee\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">Miesi\u0119czna op\u0142ata administracyjna<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"insurance-fee\">Sk\u0142adka ubezpieczeniowa (HUF)<\/label>\r\n                        <input type=\"number\" id=\"insurance-fee\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">Miesi\u0119czna sk\u0142adka ubezpieczeniowa<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"other-fees\">Inne koszty (HUF)<\/label>\r\n                        <input type=\"number\" id=\"other-fees\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">Inne koszty miesi\u0119czne<\/span>\r\n                    <\/div>\r\n                <\/div>\r\n                \r\n                <button class=\"calculate-btn\" id=\"calculate-thm\">Obliczanie THM<\/button>\r\n                \r\n                <div class=\"results\" id=\"thm-results\" style=\"display: none;\">\r\n                    <h3>Wyniki THM<\/h3>\r\n                    \r\n                    <div class=\"results-grid\">\r\n                        <div class=\"result-item primary\">\r\n                            <span class=\"label\">THM (Ca\u0142kowity Rzeczywisty Koszt Kredytu):<\/span>\r\n                            <span class=\"value\" id=\"thm-rate\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Nominalne oprocentowanie:<\/span>\r\n                            <span class=\"value\" id=\"nominal-rate-display\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Miesi\u0119czna rata:<\/span>\r\n                            <span class=\"value\" id=\"monthly-payment\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Ca\u0142kowite odsetki:<\/span>\r\n                            <span class=\"value\" id=\"total-interest\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Koszty ca\u0142kowite:<\/span>\r\n                            <span class=\"value\" id=\"total-costs\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Ca\u0142kowita sp\u0142ata:<\/span>\r\n                            <span class=\"value\" id=\"total-payment\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Udzia\u0142 koszt\u00f3w:<\/span>\r\n                            <span class=\"value\" id=\"cost-ratio\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Efektywna roczna stopa procentowa:<\/span>\r\n                            <span class=\"value\" id=\"effective-rate\">-<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"cost-breakdown\">\r\n                        <h4>Szczeg\u00f3\u0142owe zestawienie koszt\u00f3w<\/h4>\r\n                        <div class=\"cost-chart-container\">\r\n                            <canvas id=\"cost-chart\" width=\"400\" height=\"300\"><\/canvas>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"cost-details\">\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Kapita\u0142:<\/span>\r\n                                <span class=\"cost-value\" id=\"principal-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Odsetki:<\/span>\r\n                                <span class=\"cost-value\" id=\"interest-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Op\u0142aty administracyjne:<\/span>\r\n                                <span class=\"cost-value\" id=\"processing-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Ubezpieczenie:<\/span>\r\n                                <span class=\"cost-value\" id=\"insurance-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Inne koszty:<\/span>\r\n                                <span class=\"cost-value\" id=\"other-amount\">-<\/span>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"thm-explanation\">\r\n                        <h4>Co to jest THM?<\/h4>\r\n                        <p>THM (Ca\u0142kowity Rzeczywisty Koszt Kredytu) pokazuje ca\u0142kowity koszt kredytu w uj\u0119ciu rocznym procentowym. Obejmuje on:<\/p>\r\n                        <ul>\r\n                            <li>Nominalne oprocentowanie<\/li>\r\n                            <li>Wszystkie op\u0142aty administracyjne<\/li>\r\n                            <li>Koszty ubezpieczenia<\/li>\r\n                            <li>Inne koszty<\/li>\r\n                        <\/ul>\r\n                        <p><strong>Wa\u017cne:<\/strong> THM jest zawsze wy\u017cszy lub r\u00f3wny nominalnemu oprocentowaniu, poniewa\u017c obejmuje wszystkie koszty.<\/p>\r\n                    <\/div>\r\n                <\/div>\r\n                \r\n                <div class=\"error-message\" id=\"error-message\" style=\"display: none;\">\r\n                    <p id=\"error-text\"><\/p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        \r\n        <script type=\"text\/javascript\">\r\n        if (document.readyState === 'loading') {\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                if (typeof THMCalculator !== 'undefined') {\r\n                    new THMCalculator();\r\n                }\r\n            });\r\n        } else {\r\n            if (typeof THMCalculator !== 'undefined') {\r\n                new THMCalculator();\r\n            }\r\n        }\r\n        <\/script>\r\n        \n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:3rem;margin-bottom:1.5rem\">Co to jest THM (Ca\u0142kowity Rzeczywisty Koszt Kredytu)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">THM (Ca\u0142kowity Rzeczywisty Koszt Kredytu) to wska\u017anik procentowy, kt\u00f3ry pokazuje rzeczywisty koszt kredytu. THM obejmuje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nominalne oprocentowanie<\/strong> \u2013 podstawowa stopa procentowa<\/li>\n<li><strong>Op\u0142aty administracyjne<\/strong> \u2013 op\u0142aty za udzielenie kredytu, op\u0142aty administracyjne<\/li>\n<li><strong>Op\u0142aty miesi\u0119czne<\/strong> \u2013 op\u0142aty za prowadzenie rachunku, op\u0142aty za utrzymanie<\/li>\n<li><strong>Sk\u0142adki ubezpieczeniowe<\/strong> \u2013 ubezpieczenie na \u017cycie, ubezpieczenie maj\u0105tkowe<\/li>\n<li><strong>Pozosta\u0142e koszty<\/strong> \u2013 wycena, op\u0142aty prawne<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Jak korzysta\u0107 z kalkulatora RRSO?<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Podaj kwot\u0119 kredytu<\/strong> \u2013 kwota zaci\u0105gni\u0119tego kredytu<\/li>\n<li><strong>Nominalne oprocentowanie<\/strong> \u2013 roczna stopa procentowa w procentach<\/li>\n<li><strong>Okres kredytowania<\/strong> \u2013 czas sp\u0142aty kredytu w miesi\u0105cach<\/li>\n<li><strong>Cz\u0119stotliwo\u015b\u0107 p\u0142atno\u015bci<\/strong> \u2013 miesi\u0119czna, kwartalna, p\u00f3\u0142roczna lub roczna<\/li>\n<li><strong>Podanie koszt\u00f3w<\/strong> \u2013 op\u0142aty administracyjne, miesi\u0119czne, ubezpieczeniowe i inne<\/li>\n<li><strong>Obliczenie<\/strong> \u2013 kliknij przycisk \u201eOblicz RRSO\u201d<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Wyniki kalkulatora RRSO<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kalkulator wy\u015bwietla nast\u0119puj\u0105ce wyniki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RRSO<\/strong> \u2013 rzeczywista roczna stopa oprocentowania w procentach<\/li>\n<li><strong>Miesi\u0119czna rata<\/strong> \u2013 miesi\u0119czna kwota do zap\u0142aty<\/li>\n<li><strong>Ca\u0142kowite odsetki<\/strong> \u2013 ca\u0142kowity koszt odsetek<\/li>\n<li><strong>Ca\u0142kowite koszty<\/strong> \u2013 op\u0142aty administracyjne, ubezpieczeniowe i inne<\/li>\n<li><strong>Ca\u0142kowita sp\u0142ata<\/strong> \u2013 kapita\u0142 + odsetki + koszty<\/li>\n<li><strong>Wska\u017anik koszt\u00f3w<\/strong> \u2013 stosunek koszt\u00f3w do kapita\u0142u<\/li>\n<li><strong>Efektywna stopa procentowa<\/strong> \u2013 rzeczywista stopa procentowa<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Dlaczego RRSO jest wa\u017cne?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">RRSO pomaga kredytobiorcom:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Por\u00f3wna\u0107<\/strong> r\u00f3\u017cne oferty kredytowe<\/li>\n<li><strong>Zrozumie\u0107<\/strong> rzeczywisty koszt kredytu<\/li>\n<li><strong>Podj\u0105\u0107 decyzj\u0119<\/strong> o wyborze najkorzystniejszej oferty<\/li>\n<li><strong>Unikn\u0105\u0107<\/strong> ukrytych koszt\u00f3w<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">RRSO a nominalna stopa procentowa<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\">\n<table>\n<thead>\n<tr>\n<th>Nominalne oprocentowanie<\/th>\n<th>RRSO<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tylko podstawowa stopa procentowa<\/td>\n<td>Zawiera wszystkie koszty<\/td>\n<\/tr>\n<tr>\n<td>Ni\u017csza warto\u015b\u0107<\/td>\n<td>Wy\u017csza warto\u015b\u0107<\/td>\n<\/tr>\n<tr>\n<td>Nie pokazuje rzeczywistego kosztu<\/td>\n<td>Pokazuje rzeczywist\u0105 cen\u0119 kredytu<\/td>\n<\/tr>\n<tr>\n<td>Nie nadaje si\u0119 do por\u00f3wna\u0144<\/td>\n<td>Nadaje si\u0119 do por\u00f3wna\u0144<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Cz\u0119sto zadawane pytania<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Jakie koszty obejmuje RRSO?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RRSO obejmuje wszystkie koszty: odsetki, op\u0142aty administracyjne, sk\u0142adki ubezpieczeniowe, op\u0142aty miesi\u0119czne i inne koszty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jaka jest r\u00f3\u017cnica mi\u0119dzy RRSO a APR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RRSO to w\u0119gierski odpowiednik mi\u0119dzynarodowego wska\u017anika APR (Annual Percentage Rate). Oba s\u0142u\u017c\u0105 temu samemu celowi: przedstawieniu rzeczywistego kosztu kredytu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jakie warto\u015bci RRSO uwa\u017camy za dobr\u0105 ofert\u0119?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Og\u00f3lnie rzecz bior\u0105c, ni\u017csze warto\u015bci RRSO s\u0105 korzystniejsze. Warto\u015bci RRSO powy\u017cej \u015bredniej rynkowej oznaczaj\u0105 wy\u017csze koszty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Informacje prawne<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wyniki kalkulatora RRSO maj\u0105 charakter informacyjny. W celu dok\u0142adnych oblicze\u0144 zawsze skonsultuj si\u0119 ze specjalist\u0105. Warunki udzielania kredyt\u00f3w okre\u015blaj\u0105 banki i instytucje finansowe.<\/p>","protected":false},"excerpt":{"rendered":"<p>THM Kalkul\u00e1tor &#8211; Teljes Hiteld\u00edj Mutat\u00f3 Sz\u00e1m\u00edtsa ki a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t a THM (Teljes Hiteld\u00edj Mutat\u00f3) seg\u00edts\u00e9g\u00e9vel. Ez a mutat\u00f3 tartalmazza az \u00f6sszes k\u00f6lts\u00e9get \u00e9s d\u00edjat, \u00edgy a hitel val\u00f3s \u00e1r\u00e1t mutatja. Mi a THM (Teljes Hiteld\u00edj Mutat\u00f3)? A THM (Teljes Hiteld\u00edj Mutat\u00f3) egy olyan sz\u00e1zal\u00e9kos mutat\u00f3, amely a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t mutatja. A &#8230; <a title=\"Kalkulator RRSO\" class=\"read-more\" href=\"https:\/\/xn--szmolgp-iwa0f0e.hu\/pl\/thm-kalkulator\/\" aria-label=\"Dowiedz si\u0119 wi\u0119cej o THM Kalkul\u00e1tor\">Dowiedz si\u0119 wi\u0119cej<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THM Kalkul\u00e1tor - Sz\u00e1mol\u00f3g\u00e9pek \u00e9s kalkul\u00e1torok gy\u0171jtem\u00e9nye<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/xn--szmolgp-iwa0f0e.hu\/pl\/kalkulator-thm\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THM Kalkul\u00e1tor - Sz\u00e1mol\u00f3g\u00e9pek \u00e9s kalkul\u00e1torok gy\u0171jtem\u00e9nye\" \/>\n<meta property=\"og:description\" content=\"THM Kalkul\u00e1tor &#8211; Teljes Hiteld\u00edj Mutat\u00f3 Sz\u00e1m\u00edtsa ki a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t a THM (Teljes Hiteld\u00edj Mutat\u00f3) seg\u00edts\u00e9g\u00e9vel. Ez a mutat\u00f3 tartalmazza az \u00f6sszes k\u00f6lts\u00e9get \u00e9s d\u00edjat, \u00edgy a hitel val\u00f3s \u00e1r\u00e1t mutatja. Mi a THM (Teljes Hiteld\u00edj Mutat\u00f3)? A THM (Teljes Hiteld\u00edj Mutat\u00f3) egy olyan sz\u00e1zal\u00e9kos mutat\u00f3, amely a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t mutatja. A ... 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