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Jak będzie wyglądał zwrot inwestycji i ile wyniosą zyski w ciągu 25 lat?",{"type":789,"value":812},{"type":780,"tag":974,"attrs":1704,"children":1705},{"class":976},[1706,1707,1711,1712,1716,1717,1722],{"type":789,"value":949},{"type":780,"tag":980,"attrs":1708,"children":1710},{"data-srcset":1709,"type":983},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga@2x.webp 2x, https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga.webp 1x",[],{"type":789,"value":949},{"type":780,"tag":980,"attrs":1713,"children":1715},{"data-srcset":1714,"type":989},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga@2x.png 2x, https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga.png 1x",[],{"type":789,"value":949},{"type":780,"tag":993,"attrs":1718,"children":1721},{"alt":995,"class":1451,"data-src":1719,"data-srcset":1720},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga.png","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages\u002Fkredyt-na-fotowoltaike\u002Fkredyt-moj-prad-ulga@2x.png 2x",[],{"type":789,"value":949},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1725,"children":1726},{"class":1459},[1727,1729,1734],{"type":789,"value":1728},"Jak zatem widzimy, kredyt na fotowoltaikę się opłaca nawet bez żadnych dotacji. Wysokie ceny prądu sprawiają, że można ",{"type":780,"tag":792,"attrs":1730,"children":1731},{},[1732],{"type":789,"value":1733},"zaoszczędzić sporo ponad 200 000 zł w ciągu 25 lat",{"type":789,"value":1735},". Dotacje przyspieszają spłatę kredytu i rentowność inwestycji.",{"type":789,"value":812},{"type":780,"tag":1738,"attrs":1739,"children":1740},"cta-dark-photo",{},[],{"type":789,"value":800},{"type":780,"tag":1310,"attrs":1743,"children":1746},{"data-toc":1744,"id":1745},"Rodzaje","rodzaje",[1747],{"type":789,"value":852},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1750,"children":1751},{},[1752],{"type":789,"value":1753},"Istnieją trzy zasadnicze sposoby sfinansowania fotowoltaiki z pomocą kredytu:",{"type":789,"value":800},{"type":780,"tag":825,"attrs":1756,"children":1757},{},[1758,1759,1764,1765,1770,1771,1776],{"type":789,"value":829},{"type":780,"tag":831,"attrs":1760,"children":1761},{},[1762],{"type":789,"value":1763},"Kupno na raty u firmy fotowoltaicznej",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1766,"children":1767},{},[1768],{"type":789,"value":1769},"“Zielony” kredyt gotówkowy",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1772,"children":1773},{},[1774],{"type":789,"value":1775},"Kredyt inwestycyjny",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1779,"children":1780},{},[1781],{"type":789,"value":1782},"Przeanalizujmy je więc pokrótce:",{"type":789,"value":800},{"type":780,"tag":814,"attrs":1785,"children":1786},{},[1787],{"type":789,"value":1788},"Kupno na raty",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1791,"children":1792},{},[1793],{"type":789,"value":1794},"Niektóre firmy fotowoltaiczne oferują sprzedaż na raty, zazwyczaj za pośrednictwem banku.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1797,"children":1798},{},[1799],{"type":789,"value":1800},"Jednocześnie wadą i zaletą jest fakt, że to firma fotowoltaiczna wybiera bank udzielający kredytu. Profesjonaliści są w branży dłużej i mogą znaleźć lepszą ofertę, a z drugiej strony klient może samodzielnie znaleźć ofertę bardziej odpowiadającą jego konkretnym potrzebom.",{"type":789,"value":800},{"type":780,"tag":814,"attrs":1803,"children":1804},{},[1805],{"type":789,"value":1769},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1808,"children":1809},{},[1810,1815],{"type":780,"tag":792,"attrs":1811,"children":1812},{},[1813],{"type":789,"value":1814},"Kredyt na fotowoltaikę ",{"type":789,"value":1816},"udzielany jest przez bank na zakup fotowoltaiki, z zasady na lepszych warunkach niż kredyty gotówkowe na dowolny cel.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1819,"children":1820},{},[1821],{"type":789,"value":1822},"Przykładowo w PKO BP możesz pożyczyć 40 000 zł na dowolny cel na 5 lat i wówczas będziesz musiał zwrócić 59 269 zł. Gdy weźmiesz te same pieniądze z tego samego banku na tych samych warunkach, ale z oferty przeznaczonej na fotowoltaikę, będziesz musiał zwrócić już tylko 52 123 zł.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1825,"children":1826},{},[1827],{"type":789,"value":1828},"Szereg banków oferuje specjalne pożyczki na fotowoltaikę, najpopularniejsze to:",{"type":789,"value":800},{"type":780,"tag":825,"attrs":1831,"children":1832},{},[1833,1834,1839,1840,1845,1846,1851],{"type":789,"value":829},{"type":780,"tag":831,"attrs":1835,"children":1836},{},[1837],{"type":789,"value":1838},"BNP Paribas",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1841,"children":1842},{},[1843],{"type":789,"value":1844},"Santander",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1847,"children":1848},{},[1849],{"type":789,"value":1850},"PKO BP",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1854,"children":1855},{},[1856],{"type":789,"value":1857},"Omówimy ich ofertę w dalszej części artykułu.",{"type":789,"value":800},{"type":780,"tag":814,"attrs":1860,"children":1861},{},[1862],{"type":789,"value":1775},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1865,"children":1866},{},[1867],{"type":789,"value":1868},"Firmy mogą sfinansować fotowoltaikę z kredytu inwestycyjnego, ponieważ podnosi ona wartość nieruchomości oraz ogranicza zużycie energii, podnosząc jednocześnie zyski przedsiębiorstwa. Cena systemu fotowoltaicznego może być wliczona w koszty uzyskania przychodu.",{"type":789,"value":800},{"type":780,"tag":1310,"attrs":1871,"children":1874},{"data-toc":1872,"id":1873},"Wybór","wybor",[1875],{"type":789,"value":862},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1878,"children":1879},{},[1880,1882,1887,1889,1894],{"type":789,"value":1881},"Najpierw kilka podstawowych zasad: wysokość prowizji się nie liczy, wysokość oprocentowania się nie liczy, wysokość obowiązkowego ubezpieczenia, procentu, dywidendy, odsetki, czy innych dodatkowych kosztów się nie liczy, bo ",{"type":780,"tag":792,"attrs":1883,"children":1884},{},[1885],{"type":789,"value":1886},"sto razy bardziej",{"type":789,"value":1888}," od tych rzeczy ",{"type":780,"tag":792,"attrs":1890,"children":1891},{},[1892],{"type":789,"value":1893},"liczy się RRSO",{"type":789,"value":1895},".",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1898,"children":1899},{},[1900,1902,1906],{"type":789,"value":1901},"Czym jest ",{"type":780,"tag":792,"attrs":1903,"children":1904},{},[1905],{"type":789,"value":1039},{"type":789,"value":1907},"? To Rzeczywista Roczna Stopa Oprocentowania, najważniejsza ze wszystkich kredytowych \"stóp\". To narzędzie wprowadzone przez rząd celem szybkiego i możliwie uczciwego porównywania ofert kredytowych. Należy z niego korzystać, bo to najlepsze służące do tego narzędzie.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1910,"children":1911},{},[1912],{"type":789,"value":1913},"RRSO to mniej więcej to, co musisz oddać bankowi, ponad sumę, którą pożyczyłeś, każdego roku, kiedy trwa kredyt.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1916,"children":1917},{},[1918],{"type":789,"value":1919},"Ale RRSO RRSO nie równe. Pamiętaj, że:",{"type":789,"value":800},{"type":780,"tag":825,"attrs":1922,"children":1923},{},[1924,1925,1930,1931,1936,1937,1942],{"type":789,"value":829},{"type":780,"tag":831,"attrs":1926,"children":1927},{},[1928],{"type":789,"value":1929},"RRSO 12% jest lepsze niż RRSO 14% - o ile liczba lat spłaty jest taka sama.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1932,"children":1933},{},[1934],{"type":789,"value":1935},"RRSO 12% na 8 lat jest w ostatecznym rozrachunku korzystniejsze niż RRSO 12% na 10 lat - ale wtedy miesięczna składka jest wyższa.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":1938,"children":1939},{},[1940],{"type":789,"value":1941},"Krótszy czas spłaty to niższe RRSO, przykładowo bank może oferować RRSO 7% przy kredycie na 5 lat albo RRSO 12% przy kredycie na 10 lat.",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1945,"children":1946},{},[1947],{"type":789,"value":1948},"Sprawdźmy kilka konkretnych przykładów ofert na kredyt na fotowoltaikę.",{"type":789,"value":812},{"type":780,"tag":1951,"attrs":1952,"children":1953},"compare-quote",{},[],{"type":789,"value":800},{"type":780,"tag":1310,"attrs":1956,"children":1959},{"data-toc":1957,"id":1958},"BNP","bnp",[1960],{"type":789,"value":882},{"type":789,"value":800},{"type":780,"tag":785,"attrs":1963,"children":1964},{},[1965],{"type":789,"value":1966},"BNP Paribas oferuje kredyt na termomodernizację domu. Obejmuje on m.in. zamontowanie fotowoltaiki, wymianę okien i drzwi zewnętrznych, ocieplenie, zamontowanie rekuperacji, pompy ciepła, gazowego kotła kondensacyjnego, kotła na pelet lub promienników podczerwieni.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":1969,"children":1970},{},[1971,1981,1984,1985,1990,1993,1994,1999],{"type":780,"tag":792,"attrs":1972,"children":1973},{},[1974,1976,1979],{"type":789,"value":1975},"Czas spłaty: 6 do 120 miesięcy",{"type":780,"tag":1573,"attrs":1977,"children":1978},{},[],{"type":789,"value":1980},"\nKwota: do 200 000 zł",{"type":780,"tag":1573,"attrs":1982,"children":1983},{},[],{"type":789,"value":812},{"type":780,"tag":792,"attrs":1986,"children":1987},{},[1988],{"type":789,"value":1989},"Rata stała",{"type":780,"tag":1573,"attrs":1991,"children":1992},{},[],{"type":789,"value":812},{"type":780,"tag":792,"attrs":1995,"children":1996},{},[1997],{"type":789,"value":1998},"Całkowita kwota do zapłaty ",{"type":789,"value":2000},"(przy pożyczce nieubezpieczonej):",{"type":789,"value":800},{"type":780,"tag":825,"attrs":2003,"children":2004},{},[2005,2006,2016,2017,2027],{"type":789,"value":829},{"type":780,"tag":831,"attrs":2007,"children":2008},{},[2009,2011],{"type":789,"value":2010},"Przy kwocie 50 000 zł na 5 lat - ",{"type":780,"tag":792,"attrs":2012,"children":2013},{},[2014],{"type":789,"value":2015},"72 055,80 zł",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2018,"children":2019},{},[2020,2022],{"type":789,"value":2021},"Przy kwocie 50 000 zł na 10 lat - ",{"type":780,"tag":792,"attrs":2023,"children":2024},{},[2025],{"type":789,"value":2026},"92 931,60 zł",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2030,"children":2031},{},[2032,2034,2039],{"type":789,"value":2033},"Po stronie zalet kredytu należy wskazać wysoką możliwą kwotę i ",{"type":780,"tag":792,"attrs":2035,"children":2036},{},[2037],{"type":789,"value":2038},"stałą ratę 11,99% w skali roku",{"type":789,"value":2040},". Dobry wybór dla planujących większą inwestycję jak i dla tych ceniących sobie bezpieczeństwo.",{"type":789,"value":800},{"type":780,"tag":1310,"attrs":2043,"children":2045},{"data-toc":1850,"id":2044},"pko",[2046],{"type":789,"value":2047},"Kredyt OZE od PKO BP",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2050,"children":2051},{},[2052],{"type":789,"value":2053},"Ekopożyczka PKO to kredyt, który można przeznaczyć na zakup i montaż urządzeń korzystających z odnawialnych źródeł energii i zmniejszających emisję gazów cieplarnianych. Przykładem jest fotowoltaika, pompa ciepła, kolektory słoneczne lub skutery elektryczne. Rata jest zmienna.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2056,"children":2057},{},[2058,2067,2070,2071,2076,2079,2080,2084],{"type":780,"tag":792,"attrs":2059,"children":2060},{},[2061,2062,2065],{"type":789,"value":1975},{"type":780,"tag":1573,"attrs":2063,"children":2064},{},[],{"type":789,"value":2066},"\nKwota: do 44 505 zł",{"type":780,"tag":1573,"attrs":2068,"children":2069},{},[],{"type":789,"value":812},{"type":780,"tag":792,"attrs":2072,"children":2073},{},[2074],{"type":789,"value":2075},"Rata zmienna",{"type":780,"tag":1573,"attrs":2077,"children":2078},{},[],{"type":789,"value":812},{"type":780,"tag":792,"attrs":2081,"children":2082},{},[2083],{"type":789,"value":1998},{"type":789,"value":2000},{"type":789,"value":800},{"type":780,"tag":825,"attrs":2087,"children":2088},{},[2089,2090,2100,2101,2111],{"type":789,"value":829},{"type":780,"tag":831,"attrs":2091,"children":2092},{},[2093,2095],{"type":789,"value":2094},"Przy kwocie 44 505 zł na 5 lat - ",{"type":780,"tag":792,"attrs":2096,"children":2097},{},[2098],{"type":789,"value":2099},"57 993 zł",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2102,"children":2103},{},[2104,2106],{"type":789,"value":2105},"Przy kwocie 44 505 zł na 10 lat - ",{"type":780,"tag":792,"attrs":2107,"children":2108},{},[2109],{"type":789,"value":2110},"66 601 zł",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2114,"children":2115},{},[2116],{"type":789,"value":2117},"Zaletą kredytu na fotowoltaikę od PKO jest niska kwota do zwrócenia, wadą natomiast - niska kwota maksymalna i zmienna rata. Jest to dobry kredyt dla osób prywatnych na mniejsze prosumenckie instalacje fotowoltaiczne od 5 do 9 kWp.",{"type":789,"value":800},{"type":780,"tag":1310,"attrs":2120,"children":2122},{"data-toc":1844,"id":2121},"santander",[2123],{"type":789,"value":902},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2126,"children":2127},{},[2128],{"type":789,"value":2129},"Eko pożyczka od Santandera może być przeznaczona na sfinansowanie paneli fotowoltaicznych. Maksymalny okres spłaty wynosi 120 miesięcy, jednak przy zawarciu umowy na okres do 60 miesięcy otrzymujemy możliwość wybrania stałej raty.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2132,"children":2133},{},[2134,2143,2146,2147,2151],{"type":780,"tag":792,"attrs":2135,"children":2136},{},[2137,2138,2141],{"type":789,"value":1975},{"type":780,"tag":1573,"attrs":2139,"children":2140},{},[],{"type":789,"value":2142},"\nKwota: do 300 000 zł",{"type":780,"tag":1573,"attrs":2144,"children":2145},{},[],{"type":789,"value":812},{"type":780,"tag":792,"attrs":2148,"children":2149},{},[2150],{"type":789,"value":1998},{"type":789,"value":2000},{"type":789,"value":800},{"type":780,"tag":825,"attrs":2154,"children":2155},{},[2156,2157,2166,2167,2176],{"type":789,"value":829},{"type":780,"tag":831,"attrs":2158,"children":2159},{},[2160,2161],{"type":789,"value":2010},{"type":780,"tag":792,"attrs":2162,"children":2163},{},[2164],{"type":789,"value":2165},"66 168 zł",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2168,"children":2169},{},[2170,2171],{"type":789,"value":2021},{"type":780,"tag":792,"attrs":2172,"children":2173},{},[2174],{"type":789,"value":2175},"84 430 zł",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":1310,"attrs":2179,"children":2182},{"data-toc":2180,"id":2181},"Najtańszy","najtanszy",[2183],{"type":789,"value":912},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2186,"children":2187},{},[2188,2190,2195,2197,2202],{"type":789,"value":2189},"Obecnie ",{"type":780,"tag":792,"attrs":2191,"children":2192},{},[2193],{"type":789,"value":2194},"najtańszy kredyt na fotowoltaikę to Ekopożyczka od PKO BP",{"type":789,"value":2196},". Lecz pamiętaj, że to kredyt ze ",{"type":780,"tag":792,"attrs":2198,"children":2199},{},[2200],{"type":789,"value":2201},"zmiennym oprocentowaniem",{"type":789,"value":2203},", zatem w rzeczywistości może on być sporo droższy od kredytu z BNP Paribas.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2206,"children":2207},{},[2208,2210,2215],{"type":789,"value":2209},"Fotowoltaika to długoterminowa, stabilna inwestycja, czego nie można powiedzieć o rynku finansowym. Dlatego ",{"type":780,"tag":792,"attrs":2211,"children":2212},{},[2213],{"type":789,"value":2214},"radzimy wybrać kredyt z ratą stałą",{"type":789,"value":2216},", na przykład od BNP Paribas.",{"type":789,"value":800},{"type":780,"tag":814,"attrs":2219,"children":2220},{},[2221],{"type":789,"value":2222},"Czy istnieje darmowy kredyt na fotowoltaikę?",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2225,"children":2226},{},[2227,2229,2234],{"type":789,"value":2228},"Odpowiedź powinna być oczywista, nie. ",{"type":780,"tag":792,"attrs":2230,"children":2231},{},[2232],{"type":789,"value":2233},"Nie ma darmowych kredytów",{"type":789,"value":2235},", nawet jeśli Twój sprzedawca oferuje Ci kupno instalacji na raty, a współpracujący z nim bank daje raty 0%. W takiej sytuacji haczykiem często jest niższa jakość komponentów w stosunku do ceny. Sytuacja analogiczna: ktoś sprzedaje Ci Skodę w cenie Mercedesa, ale za to w ratach RRSO 0%.",{"type":789,"value":800},{"type":780,"tag":785,"attrs":2238,"children":2239},{},[2240,2242,2247],{"type":789,"value":2241},"Darmowy kredyt na fotowoltaikę nie istnieje, a jeśli jakaś oferta wygląda zbyt pięknie, by była prawdziwa, to",{"type":780,"tag":792,"attrs":2243,"children":2244},{},[2245],{"type":789,"value":2246}," zapewne tak właśnie jest",{"type":789,"value":1895},{"type":789,"value":800},{"type":780,"tag":1310,"attrs":2250,"children":2253},{"data-toc":2251,"id":2252},"Checklista","checklista",[2254],{"type":789,"value":922},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2257,"children":2258},{},[2259],{"type":789,"value":2260},"Zanim zdecydujesz się na kredyt, znajdź odpowiedź na następujące pytania:",{"type":789,"value":800},{"type":780,"tag":825,"attrs":2263,"children":2264},{},[2265,2266,2279,2280,2293,2294,2307,2308,2321,2322,2335,2336,2349],{"type":789,"value":829},{"type":780,"tag":831,"attrs":2267,"children":2268},{},[2269,2274,2277],{"type":780,"tag":792,"attrs":2270,"children":2271},{},[2272],{"type":789,"value":2273},"Czy zastosowano stałą, czy zmienną stopę oprocentowania?",{"type":780,"tag":1573,"attrs":2275,"children":2276},{},[],{"type":789,"value":2278},"\n\tPrzy stałej stopie oprocentowania rata kredytu jest i będzie taka sama. Przy zmiennej, może ulec zmianie - na dobre lub na złe, zależnie od wysokości stóp procentowych określanych przez NBP. Czasami jest stała przez kilka lat, a potem zmienna. Wszystko zależy od umowy.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2281,"children":2282},{},[2283,2288,2291],{"type":780,"tag":792,"attrs":2284,"children":2285},{},[2286],{"type":789,"value":2287},"Czy bank pobiera opłatę za wcześniejszą spłatę kredytu?",{"type":780,"tag":1573,"attrs":2289,"children":2290},{},[],{"type":789,"value":2292},"\n\tJeśli spłacisz kredyt szybciej, to zapłacisz mniej. To znaczy, o ile bank nie żąda w takim wypadku dodatkowej opłaty.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2295,"children":2296},{},[2297,2302,2305],{"type":780,"tag":792,"attrs":2298,"children":2299},{},[2300],{"type":789,"value":2301},"Czy bank oczekuje opłacenia obowiązkowego ubezpieczenia?",{"type":780,"tag":1573,"attrs":2303,"children":2304},{},[],{"type":789,"value":2306},"\n\tPowinno ono wchodzić w RRSO, ale i tak warto sprawdzić.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2309,"children":2310},{},[2311,2316,2319],{"type":780,"tag":792,"attrs":2312,"children":2313},{},[2314],{"type":789,"value":2315},"Czy istnieje możliwość karencji raty?",{"type":780,"tag":1573,"attrs":2317,"children":2318},{},[],{"type":789,"value":2320},"\n\tPodczas karencji płacisz bankowi dużo niższą ratę lub nie płacisz jej wcale. Bardzo przydatne, jeśli wpadniesz w przejściowy finansowy dołek.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2323,"children":2324},{},[2325,2330,2333],{"type":780,"tag":792,"attrs":2326,"children":2327},{},[2328],{"type":789,"value":2329},"Czy stosuje się uproszczoną procedurę?",{"type":780,"tag":1573,"attrs":2331,"children":2332},{},[],{"type":789,"value":2334},"\n\tUpraszcza to załatwienie formalności.",{"type":789,"value":829},{"type":780,"tag":831,"attrs":2337,"children":2338},{},[2339,2344,2347],{"type":780,"tag":792,"attrs":2340,"children":2341},{},[2342],{"type":789,"value":2343},"Czy można podpisać elektronicznie, czy przyjeżdża przedstawiciel?",{"type":780,"tag":1573,"attrs":2345,"children":2346},{},[],{"type":789,"value":2348},"\n\tSzybkość załatwienia kredytu bywa ważna, szczególnie gdy chcesz zdążyć przed końcem naboru dotacyjnego albo przed zmianą taryf.",{"type":789,"value":812},{"type":789,"value":800},{"type":780,"tag":785,"attrs":2352,"children":2353},{},[2354,2359,2361,2366,2368,2373,2375],{"type":780,"tag":792,"attrs":2355,"children":2356},{},[2357],{"type":789,"value":2358},"Podsumowując",{"type":789,"value":2360},", instalacja fotowoltaiczna to opłacalna inwestycja, na którą opłaca się wziąć kredyt. Im szybszy okres spłaty, tym inwestycja bardziej opłacalna, jednak żeby fotowoltaika przyniosła naprawdę znaczące zyski, ",{"type":780,"tag":792,"attrs":2362,"children":2363},{},[2364],{"type":789,"value":2365},"musi działać przez wiele lat",{"type":789,"value":2367},", co z kolei bezpośrednio zależy od ",{"type":780,"tag":792,"attrs":2369,"children":2370},{},[2371],{"type":789,"value":2372},"jakości montażu",{"type":789,"value":2374},". Nie zwlekaj zatem i poproś o kilka ofert od dobrych instalatorów z Twojej okolicy, aby upewnić się, że uzyskasz ofertę na jakościową instalację w dobrej cenie.",{"type":780,"tag":2376,"attrs":2377,"children":2380},"solar-panel-calculator",{"heading":2378,"mode":2379},"Oferty od dobrych instalatorów z Twojej okolicy","inContentWidget",[],[2382,2385,2387],{"kind":2383,"value":2384},"attribute","a[style]",{"kind":2383,"value":2386},"div[style]",{"kind":2383,"value":2388},"td[style]",[],{"div":2391,"p":2392,"strong":2393,"h3":2394,"ul":2395,"li":2396,"a":2395,"smart-image":752,"span":752,"b":2397,"picture":2398,"source":765,"img":2398,"h2":2394,"good-to-know":752,"u":752,"table":752,"thead":752,"tr":2398,"th":750,"tbody":752,"td":2394,"br":2399,"cta-dark-photo":752,"compare-quote":752,"solar-panel-calculator":752},24,68,41,8,12,43,7,5,18,true,false,[2403,2412,2421,2431],{"id":2404,"name":378,"slug":2405,"uri":382,"shortDescription":2406,"readingTime":2394,"image":2407},93,"finansowanie-fotowoltaiki","Obecnie na rynku mamy do dyspozycji instrumenty, takie jak kredyty i leasing na ekologiczne rozwiązania, pozwalające spłacać inwestycję ratalnie.",{"x1":2408,"x2":2409,"webpX1":2410,"webpX2":2411},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F93.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F93@2x.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F93.webp","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F93@2x.webp",{"id":2413,"name":375,"slug":2414,"uri":376,"shortDescription":2415,"readingTime":2398,"image":2416},87,"vat-na-fotowoltaike","Podatek VAT na panele fotowoltaiczne wywołuje sporo pytań i kontrowersji - kiedy zapłacimy 8% VAT, a kiedy 23% za instalację fotowoltaiczną",{"x1":2417,"x2":2418,"webpX1":2419,"webpX2":2420},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F87.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F87@2x.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F87.webp","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F87@2x.webp",{"id":2422,"name":2423,"slug":2424,"uri":457,"shortDescription":2425,"readingTime":2397,"image":2426},86,"Spółdzielnia energetyczna z panelami fotowoltaicznymi","spodzielnia-energetyczna-z-panelami-fotowoltaicznymi","Już wkrótce polskie bloki mogą pokryć się panelami fotowoltaicznymi. Jak i dlaczego powstają spółdzielnie energetyczne?",{"x1":2427,"x2":2428,"webpX1":2429,"webpX2":2430},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F86.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F86@2x.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F86.webp","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F86@2x.webp",{"id":2432,"name":187,"slug":2433,"uri":188,"shortDescription":2434,"readingTime":2435,"image":2436},62,"10-problemow-paneli-fotowoltaicznych","Czy opłaca się zapłacić więcej za dobre panele i staranną instalację? Po przeanalizowaniu TOP 10 problemów paneli pv odpowiedź nasunie Ci się sama.",15,{"x1":2437,"x2":2438,"webpX1":2439,"webpX2":2440},"https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F62.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F62@2x.jpg","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F62.webp","https:\u002F\u002Fapi.fotowoltaikaonline.pl\u002Ffiles\u002Fpages_featured\u002F62@2x.webp"]