Question 1

Ar galiu pirkti būstą kartu su kitu asmeniu — partneriu, draugu ar šeimos nariu?

Accepted Answer

Taip. Galite pirkti kartu net su keturiais asmenimis, nepriklausomai nuo pilietybės ar santykių. Įvertinamos visos pajamos, todėl bendra skolinimosi galimybė gali ženkliai padidėti. Užtikriname, kad teisinė ir finansinė struktūra būtų tinkama visiems — įskaitant aiškų susitarimą, kas nutiks, jei situacija ateityje pasikeis.

Question 2

Ar Domek padės man sutvarkyti komunalines paslaugas (dujas, vandenį, elektrą) ir draudimą?

Accepted Answer

Yes, beyond the mortgage, Domek can help arrange the practical matters around your new home, such as insurance, gas, water, electricity and internet. This is especially useful for migrants who are not yet familiar with Dutch providers, contracts and the language. It means your home is ready to live in from day one, organised from one place.

Question 3

Ar galiu gauti DigiD be registracijos (DigiD zonder inschrijving)?

Accepted Answer

Getting a DigiD without registration is generally not possible, because a DigiD requires a BSN, and you get a BSN by registering, either as a resident (BRP) or, for a short stay, as a non-resident (RNI). So the route to a DigiD always runs through some form of registration. Once you have a BSN and a registered address, the DigiD application is straightforward.

Question 4

Ar galiu pakeisti užsienio vairuotojo pažymėjimą Nyderlanduose (rijbewijs omwisselen)?

Accepted Answer

Whether you can exchange your foreign driving licence (rijbewijs omwisselen) depends on the country that issued it. EU and EEA licences are usually easy to exchange, some other countries qualify under special schemes, and holders of the 30% ruling often benefit from a simplified exchange without a Dutch driving test. You arrange the exchange through your municipality and the RDW.

Question 5

Ar galiu pirkti būstą netrukus po persikraustymo į Nyderlandus?

Accepted Answer

Often yes, knowledge migrants (kennismigranten) and employees with a permanent or intent-to-continue contract can frequently buy a home relatively soon after arriving, without a long Dutch credit history. Your income, contract type and residence permit (verblijfsvergunning) are the main factors lenders assess. Having your BSN, registration and a Dutch bank account in place speeds things up.

Question 6

Ar galiu pirkti namą su leidimu gyventi (verblijfsvergunning)?

Accepted Answer

Yes, with a valid residence permit (verblijfsvergunning) you can buy and finance a home in the Netherlands. Lenders look at the type and remaining validity of your permit alongside your income and contract, and permanent or longer-term permits make financing more straightforward. EU and EEA citizens do not need a permit to buy or borrow.

Question 7

Ar man reikia BSN, kad nusipirkčiau namą Nyderlanduose?

Accepted Answer

Taip, tau reikia BSN (burgerservicenummer, piliečio paslaugų numerio), kad sutvarkytum paskolą, bendrautum su mokesčių inspekcija ir užbaigtum būsto pirkimą. BSN gauni užsiregistravęs Nyderlandų savivaldybėje – kaip rezidentas (BRP) arba, trumpam buvimui, kaip nerezidentas (RNI). Be BSN taip pat negali atidaryti Nyderlandų banko sąskaitos ar susitvarkyti DigiD.

Question 8

Ar man reikia DigiD, kad nusipirkčiau namą ir sutvarkyčiau paskolą?

Accepted Answer

Taip, DigiD paprastai reikia, kad prisijungtum prie mokesčių inspekcijos (Belastingdienst), pasirašytum dokumentus skaitmeniniu būdu ir tvarkytum oficialius būsto bei paskolos reikalus. DigiD prašai, kai turi BSN, todėl registracija Nyderlanduose yra pirma. Jis taip pat naudojamas mokesčių deklaracijai, sveikatos draudimui ir daugeliui valstybinių paslaugų.

Question 9

Ar man reikia Nyderlandų banko sąskaitos, kad nusipirkčiau namą?

Accepted Answer

Yes, you generally need a Dutch bank account (with an IBAN) to pay the deposit, receive your mortgage and handle the monthly payments. You can usually open one once you have a BSN and proof of identity and address. Some banks offer English-language or newcomer accounts, which makes it easier shortly after you arrive.

Question 10

Ar man reikia Nyderlandų sveikatos draudimo (zorgverzekering) ir kaip jį sutvarkyti?

Accepted Answer

Yes, almost everyone who lives or works in the Netherlands is legally required to take out Dutch basic health insurance (basisverzekering / zorgverzekering), usually within four months of arriving. You choose a health insurer yourself and can add extra cover (aanvullende verzekering) for things like dental care. A care allowance (zorgtoeslag) may help lower-income residents with the monthly premium.

Question 11

Ar mano partneris ir vaikai taip pat gali užsiregistruoti ir gauti sveikatos draudimą?

Accepted Answer

Yes, your partner and children also register at the municipality and receive their own BSN. Adults generally need their own Dutch health insurance (zorgverzekering), while children are usually co-insured on the basic package free of charge, so the whole family can access healthcare, schooling and other services. Each family member uses their own BSN for official matters.

Question 12

Ar privalau užsiregistruoti savivaldybėje (inschrijven), kad nusipirkčiau būstą?

Accepted Answer

To get a mortgage and complete a purchase you normally need a BSN, which requires registration with a municipality (inschrijven in de BRP) or the non-resident register (RNI). Registration also lets you arrange DigiD, a Dutch bank account, health insurance and utilities, all of which the buying process needs. You register at the gemeente of the place where you live.

Question 13

Kaip atidaryti Nyderlandų banko sąskaitą kaip naujai atvykęs?

Accepted Answer

You open a Dutch bank account once you have a BSN and proof of identity and address, which you need to pay your deposit, receive your mortgage and set up direct debits (automatische incasso). Some banks offer newcomer or English-language accounts, which are easier shortly after arrival. An account with an IBAN is essential for most housing and utility payments.

Question 14

Kaip gauti DigiD Nyderlanduose?

Accepted Answer

DigiD prašai internetu naudodamas savo BSN numerį, po to aktyvacijos kodas siunčiamas paštu tavo registruotu adresu ir nustatai prisijungimo duomenis. Kadangi jis remiasi BSN ir registruotu adresu, paprastai pirmiausia turi būti užsiregistravęs savivaldybėje. DigiD programėlė prideda papildomą saugaus prisijungimo sluoksnį.

Question 15

Kaip pateikti prašymą dėl 30% lengvatos (30%-regeling aanvragen)?

Accepted Answer

The 30% ruling is applied for jointly by you and your employer at the Dutch tax authorities (Belastingdienst), usually soon after you start work, since applying within the deadline lets it count from your first working day. You must meet conditions such as being recruited from abroad and earning a minimum salary, which are reviewed each year. The ruling then applies for a maximum number of years.

Question 16

Kaip užregistruoti vaikus į mokyklą ar darželį (kinderopvang)?

Accepted Answer

You register children directly with a Dutch school or with a childcare provider (kinderopvang), usually after registering your family at the municipality and receiving their BSN. International and bilingual schools are available in many cities, and waiting lists are common, so it helps to arrange this early. A childcare allowance (kinderopvangtoeslag) can support working parents with the costs.

Question 17

Kaip užsiregistruoti pas šeimos gydytoją (huisarts) Nyderlanduose?

Accepted Answer

You register with a local GP (huisarts), who is your first point of contact for medical care and referrals in the Dutch healthcare system. It is best to register soon after you arrive and have your BSN and health insurance (zorgverzekering), because some practices have limited room for new patients. The huisarts also refers you to specialists and hospitals when needed.

Question 18

Kas yra 30% lengvata (30%-regeling) kvalifikuotiems migrantams?

Accepted Answer

The 30% ruling (30%-regeling) is a tax benefit for some incoming skilled migrants that treats part of your salary as a tax-free allowance, increasing your net income. Because it raises your take-home pay, it can improve what you are able to afford, although it is temporary and reviewed each year. Some lenders take the ruling into account when assessing your mortgage.

Question 19

Kas yra BSN (burgerservicenummer) ir kaip jį gauti?

Accepted Answer

BSN (burgerservicenummer) yra tavo unikalus Nyderlandų piliečio numeris, reikalingas darbui, bankininkystei, mokesčiams, sveikatos draudimui ir būsto pirkimui. Jį gauni asmeniškai užsiregistravęs savivaldybėje (gemeente) gyventojų registre (BRP) arba per nerezidentų registrą (RNI) trumpam buvimui. Paprastai užsiregistruoji vizitui ir atsineši galiojantį asmens dokumentą bei adreso įrodymą.

Question 20

Koks skirtumas tarp BRP registracijos ir RNI (nerezidento)?

Accepted Answer

BRP registration (Basisregistratie Personen) is for people living in the Netherlands for more than four months and gives you a full resident registration, while the RNI (Registratie Niet-Ingezetenen) is for shorter stays and provides only a BSN. Both give you a BSN, but a mortgage and most services usually require resident (BRP) registration. You move from RNI to BRP once you settle here.