{"$schema": "https://iptc.org/std/ninjs/ninjs-schema_3.2.json", "uri": "urn:newsml:wireva.mib.news:item:cf0b8a7a-8ced-4b67-b220-49031d19303b", "type": "text", "profile": "standard", "version": "1", "versioncreated": "2026-10-07T17:05:00.716851Z", "firstcreated": "2026-10-07T17:01:29.344854Z", "pubstatus": "usable", "urgency": 5, "language": "pl", "headline": "Mały kredyt hipoteczny trudniej dostępny niż duży. Nowe przepisy mają to zmienić", "byline": "Ewa Sikora", "located": "Poland", "copyrightholder": "Haydamax OÜ", "copyrightnotice": "Wireva / Jej Tempo", "usageterms": "Subscribers may republish this item in full, including translation and trimming, with the credit “Wireva / Jej Tempo”. Set rel=canonical to https://jejtempo.mib.news/pieniadze/maly-kredyt-hipoteczny-trudniej-dostepny-niz-duzy-nowe-przepisy-maja-to-zmienic/ when publishing on the web.", "description_text": "Zaciągnięcie kredytu hipotecznego na 100 tys. dolarów bywa trudniejsze niż na znacznie większą kwotę. Powód? Wysokie koszty stałe i biurokracja, które zniechęcają banki do małych pożyczek. 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