{"id":618,"date":"2025-08-13T17:38:29","date_gmt":"2025-08-13T15:38:29","guid":{"rendered":"https:\/\/www.vivafinance.es\/?page_id=618"},"modified":"2026-10-27T09:34:59","modified_gmt":"2026-10-27T08:34:59","slug":"our-fees","status":"publish","type":"page","link":"https:\/\/www.vivafinance.es\/pl\/our-fees\/","title":{"rendered":"Nasze OP\u0141ATY"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"618\" class=\"elementor elementor-618\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce8de1a e-flex e-con-boxed e-con e-parent\" data-id=\"ce8de1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b52c3c8 e-flex e-con-boxed e-con e-parent\" data-id=\"b52c3c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a28f9be elementor-widget elementor-widget-html\" data-id=\"a28f9be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .vf-fees-box-section{\r\n    font-family:inherit;\r\n    color:#101828;\r\n    background:transparent;\r\n    line-height:1.55;\r\n  }\r\n\r\n  .vf-fees-box-section *{\r\n    box-sizing:border-box;\r\n  }\r\n\r\n  .vf-fees-box-wrap{\r\n    max-width:680px;\r\n    margin:0 auto;\r\n    padding:42px 16px;\r\n  }\r\n\r\n  .vf-fees-box{\r\n    background:#ffffff;\r\n    border:1px solid rgba(15,67,146,0.16);\r\n    border-radius:26px;\r\n    padding:34px 30px;\r\n    box-shadow:0 16px 38px rgba(15,67,146,0.09);\r\n    text-align:center;\r\n  }\r\n\r\n  .vf-fees-logo{\r\n    max-width:128px;\r\n    height:auto;\r\n    display:block;\r\n    margin:0 auto 20px;\r\n  }\r\n\r\n  .vf-fees-title{\r\n    margin:0;\r\n    color:#0f172a;\r\n    font-size:26px;\r\n    line-height:1.2;\r\n    letter-spacing:-.02em;\r\n    font-weight:900;\r\n  }\r\n\r\n  .vf-fees-subtitle{\r\n    margin:10px auto 0;\r\n    max-width:520px;\r\n    color:#667085;\r\n    font-size:15px;\r\n    line-height:1.6;\r\n  }\r\n\r\n  .vf-fees-subtitle strong{\r\n    color:#0f4392;\r\n    font-weight:900;\r\n    white-space:nowrap;\r\n  }\r\n\r\n  .vf-fees-panel{\r\n    margin:26px auto 0;\r\n    padding:24px 22px;\r\n    border-radius:22px;\r\n    background:#f8fbff;\r\n    border:1px solid rgba(15,67,146,0.13);\r\n    text-align:left;\r\n  }\r\n\r\n  .vf-fees-badge{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    margin-bottom:18px;\r\n    padding:7px 12px;\r\n    border-radius:999px;\r\n    background:#0f4392;\r\n    color:#ffffff;\r\n    font-size:13px;\r\n    line-height:1;\r\n    font-weight:850;\r\n  }\r\n\r\n  .vf-fees-row{\r\n    padding:16px 0;\r\n    border-top:1px solid rgba(15,67,146,0.10);\r\n  }\r\n\r\n  .vf-fees-row:first-of-type{\r\n    border-top:none;\r\n    padding-top:0;\r\n  }\r\n\r\n  .vf-fees-row:last-of-type{\r\n    padding-bottom:0;\r\n  }\r\n\r\n  .vf-fees-row h3{\r\n    margin:0 0 5px;\r\n    color:#101828;\r\n    font-size:16px;\r\n    line-height:1.35;\r\n    font-weight:900;\r\n  }\r\n\r\n  .vf-fees-row p{\r\n    margin:0;\r\n    color:#475467;\r\n    font-size:15px;\r\n    line-height:1.6;\r\n  }\r\n\r\n  .vf-fees-row strong{\r\n    color:#0f4392;\r\n    font-weight:950;\r\n  }\r\n\r\n  .vf-fees-note{\r\n    margin:18px auto 0;\r\n    max-width:560px;\r\n    color:#667085;\r\n    font-size:13.5px;\r\n    line-height:1.6;\r\n    text-align:center;\r\n  }\r\n\r\n  .vf-fees-note strong{\r\n    color:#0f4392;\r\n    font-weight:900;\r\n  }\r\n\r\n  .vf-fees-button{\r\n    display:inline-flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    margin-top:24px;\r\n    min-height:42px;\r\n    padding:10px 18px;\r\n    border-radius:999px;\r\n    background:#0f4392;\r\n    color:#ffffff !important;\r\n    text-decoration:none !important;\r\n    font-size:14px;\r\n    font-weight:850;\r\n    box-shadow:0 10px 24px rgba(15,67,146,0.18);\r\n    transition:transform .2s ease, box-shadow .2s ease;\r\n  }\r\n\r\n  .vf-fees-button:hover{\r\n    transform:translateY(-2px);\r\n    box-shadow:0 14px 30px rgba(15,67,146,0.24);\r\n  }\r\n\r\n  @media(max-width:767px){\r\n    .vf-fees-box-wrap{\r\n      padding:34px 14px;\r\n    }\r\n\r\n    .vf-fees-box{\r\n      padding:28px 18px;\r\n      border-radius:22px;\r\n    }\r\n\r\n    .vf-fees-title{\r\n      font-size:23px;\r\n    }\r\n\r\n    .vf-fees-subtitle{\r\n      font-size:14.5px;\r\n    }\r\n\r\n    .vf-fees-panel{\r\n      padding:21px 18px;\r\n      border-radius:19px;\r\n    }\r\n\r\n    .vf-fees-button{\r\n      width:100%;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"vf-fees-box-section\">\r\n  <div class=\"vf-fees-box-wrap\">\r\n\r\n    <div class=\"vf-fees-box\">\r\n\r\n      <img decoding=\"async\" \r\n        class=\"vf-fees-logo\"\r\n        src=\"https:\/\/www.vivafinance.es\/wp-content\/uploads\/2025\/08\/Logo_Banco_de_Espana.svg.png\"\r\n        alt=\"Bank of Spain\"\r\n      >\r\n\r\n      <h2 class=\"vf-fees-title\">Op\u0142aty hipoteczne<\/h2>\r\n\r\n      <p class=\"vf-fees-subtitle\">\r\n        Viva Finance jest zarejestrowana w Banku Hiszpanii jako po\u015brednik hipoteczny. Rejestracja <strong>Nr E551<\/strong>.\r\n      <\/p>\r\n\r\n      <div class=\"vf-fees-panel\">\r\n\r\n        <div class=\"vf-fees-badge\">Brak op\u0142at pocz\u0105tkowych<\/div>\r\n\r\n        <div class=\"vf-fees-row\">\r\n          <h3>Wst\u0119pna ocena kredytu hipotecznego<\/h3>\r\n          <p>\r\n            Jest <strong>bezp\u0142atnie<\/strong> w celu przeprowadzenia wst\u0119pnej oceny lub w celu uzyskania propozycji od po\u017cyczkodawc\u00f3w.\r\n          <\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vf-fees-row\">\r\n          <h3>Po zaakceptowaniu propozycji po\u017cyczkodawcy<\/h3>\r\n          <p>\r\n            Pobieramy op\u0142at\u0119 <strong>1500 EUR (zwolnione z VAT na mocy artyku\u0142u 20.1.18(m) hiszpa\u0144skiej ustawy 37\/1992) <\/strong>.\r\n          <\/p>\r\n        <\/div>\r\n\r\n        <div class=\"vf-fees-row\">\r\n          <h3>Dokumentacja kredytowa wi\u0105\u017c\u0105ca \/ etap FEIN<\/h3>\r\n          <p>\r\n            Nasza ostateczna prowizja brokerska wynosi <strong>0,5% kwoty kredytu hipotecznego (zwolnione z VAT na podstawie art. 20.One.18(m) hiszpa\u0144skiej ustawy 37\/1992)\/<\/strong>.\r\n          <\/p>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <p class=\"vf-fees-note\">\r\n        <strong>Brak ukrytych op\u0142at brokerskich Viva Finance.<\/strong>\r\n        Op\u0142aty bankowe, koszty wyceny, podatki, koszty prawne i sk\u0142adki ubezpieczeniowe stanowi\u0105 oddzielne koszty stron trzecich, tam gdzie ma to zastosowanie.\r\n      <\/p>\r\n\r\n      <a class=\"vf-fees-button\" href=\"https:\/\/www.vivafinance.es\/pl\/calendar\/\">\r\n        Zarezerwuj bezp\u0142atn\u0105 konsultacj\u0119\r\n      <\/a>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mortgage Fees Viva Finance is registered with the Bank of Spain as a mortgage intermediary. Registration N\u00ba E551. No upfront fees Initial mortgage assessment There is no charge for the initial assessment or for requesting lender proposals. Once you accept a lender proposal We charge \u20ac1,500 (VAT exempt under Article 20.One.18(m) of Spanish Law 37\/1992) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-618","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/comments?post=618"}],"version-history":[{"count":103,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/618\/revisions"}],"predecessor-version":[{"id":7647,"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/pages\/618\/revisions\/7647"}],"wp:attachment":[{"href":"https:\/\/www.vivafinance.es\/pl\/wp-json\/wp\/v2\/media?parent=618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}