Witam, Czy ktoś moż e mi powiedzieć ile procent w opłacie czynszu w tbs to kredyt a ile realne opłaty za prąd , wodę itp.? Ten czynsz wynosi 620zł. Ile wynosi spłata kredytu zawarta w takim czynszu i jak się to oblicza? Dzięki
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