Question 1

Kokius dokumentus turiu pateikti kaip ZZP, norėdamas gauti hipoteką?

Accepted Answer

Paprastai jums reikės metinių finansinių ataskaitų (jaarrekeningen), pajamų mokesčio deklaracijų (IB aangifte), KvK registracijos ir naujausių banko išrašų. Tikslūs reikalavimai priklauso nuo kreditoriaus. Mes tiksliai pasakysime, ką reikia paruošti prieš pirmą susitikimą, kad nebūtų vėlavimų.

Question 2

Ar Domek būsto paskolų konsultacija nepriklausoma?

Accepted Answer

Yes. Domek is an independent adviser and is not tied to a single bank or lender. We compare the whole market and base our recommendation on your personal profile, so the advice serves your interests and your situation rather than a particular product. This independence is especially valuable for expats whose income or contract does not fit standard bank criteria.

Question 3

Ar galiu gauti paskolą būdamas kvalifikuotas migrantas su 30% lengvata?

Accepted Answer

Yes. Knowledge migrants (kennismigranten) and highly skilled migrants can get a Dutch mortgage based on their employment contract, and some lenders take the 30% ruling into account when assessing income. Because the ruling is temporary, lenders also look at how long it still runs and your residence permit (verblijfsvergunning). This often lets skilled migrants buy soon after arriving.

Question 4

Ar galiu gauti paskolą būdamas savarankiškai dirbantis (ZZP) ar smulkaus verslo savininkas?

Accepted Answer

Yes, as a ZZP'er or small business owner you can get a mortgage, usually based on your average income over the last one to three years, and some lenders accept a shorter history. Good bookkeeping, annual figures and the right lender are key, since acceptance rules for the self-employed and freelancers differ widely. Your business continuity and net income matter more than a fixed salary.

Question 5

Ar galiu gauti paskolą su darbdavio pažyma (intentieverklaring ar perspectiefverklaring)?

Accepted Answer

Yes. An intentieverklaring is your employer's written intention to offer a permanent contract, and a perspectiefverklaring assesses the income prospects of flex and agency workers. Both let many people on temporary or agency contracts qualify for a mortgage they otherwise could not. Lenders combine the statement with your payslips and work history to set your borrowing capacity.

Question 6

Ar galiu gauti paskolą su terminuota sutartimi ar per agentūrą?

Accepted Answer

Yes, you can often get a mortgage on a temporary contract (tijdelijk contract) or agency work. Many lenders accept an employer's statement of intent (intentieverklaring) or, for flex and agency workers, a perspectiefverklaring confirming your income prospects. Your work history, income and contract type determine the amount, so a lender used to flexible work is key.

Question 7

Ar galiu grąžinti paskolą anksčiau ar mokėti papildomas įmokas?

Accepted Answer

Taip, dauguma paskolų leidžia papildomas įmokas (extra aflossen), dažnai iki tam tikro procento paskolos kasmet be baudos. Papildomas grąžinimas mažina skolą, palūkanas ir paskolos bei vertės santykį (LTV), kas vėliau gali kvalifikuoti mažesnei palūkanai. Jei viršiji nebaudžiamą ribą esant fiksuotai palūkanai, gali būti taikoma ankstyvo grąžinimo bauda (boeterente).

Question 8

Ar galiu nuomoti būstą ar gauti nuomos paskolą (buy-to-let) Nyderlanduose?

Accepted Answer

Būsto, pirkto su įprasta savininko-gyventojo paskola, nuoma paprastai reikalauja banko sutikimo, o atskira nuomos paskola (verhuurhypotheek) taikoma, jei perki specialiai nuomai. Buy-to-let finansavimas turi savas sąlygas, pradinio įnašo reikalavimus ir palūkanas, o nuomojamas turtas patenka į box 3 mokesčiams. Jis vertinamas kitaip nei paskola pagrindiniam būstui.

Question 9

Ar galiu padidinti paskolą ar imti antrą paskolą (hypotheek verhogen)?

Accepted Answer

Yes, you can often increase your existing mortgage (hypotheek verhogen) or add a second loan part, for example to renovate or release equity (overwaarde opnemen). The extra amount depends on your home's current value, your income and your existing loan-to-value, and is assessed much like a new mortgage application. A valuation is usually needed to confirm the current value.

Question 10

Ar galiu perkelti ar refinansuoti paskolą geresnei palūkanai (oversluiten)?

Accepted Answer

Taip, gali perkelti paskolą (oversluiten) į kitą banką ar persiderėti su esamu, kad gautum geresnę palūkaną ar sąlygas. Ar apsimoka, priklauso nuo palūkanų skirtumo ir galimos ankstyvo grąžinimo baudos (boeterente). Verta peržiūrėti paskolą, kai palūkanos krenta ar kai baigiasi tavo fiksuotų palūkanų laikotarpis.

Question 11

Ar galiu perkelti paskolos palūkanas į naują būstą (meeneemregeling)?

Accepted Answer

Many mortgages include a portability option (meeneemregeling) that lets you take your current interest rate to a new home when you move. This is valuable if your existing rate is lower than the market, though time limits and conditions apply per lender. Combined with a bridging loan (overbruggingskrediet), it can make moving to a next home smoother.

Question 12

Ar NHG verta?

Accepted Answer

NHG dažnai verta, nes mažesnės palūkanos (rentekorting) gali nusverti vienkartinę įmoką, o be to apsaugo nuo likutinės skolos (restschuld), jei tenka parduoti nuostolingai. Ji prieinama tik iki metinės kainos ribos (NHG-grens), todėl labiausiai tinka pirmojo būsto ir vidutinio segmento pirkėjams. Ar apsimoka, priklauso nuo paskolos sumos ir kiek ilgai lieki.

Question 13

Ar partnerio pajamos įskaičiuojamos į paskolą?

Accepted Answer

Yes, if you apply together your partner's income is added to yours, which usually increases your maximum mortgage. Both partners then become jointly liable (hoofdelijk aansprakelijk) for the loan, so any debts or obligations on either side also affect what you can borrow. A second income, including a partner with the 30% ruling, can significantly raise your capacity.

Question 14

Ar rinktis trumpą, ar ilgą fiksuotų palūkanų laikotarpį?

Accepted Answer

A long fixed-interest period (lange rentevaste periode) protects you against rising rates and gives budgeting certainty, while a short period is usually cheaper but carries more risk. The right choice depends on how long you plan to stay, your risk appetite, and the gap between short and long rates at the time. Buyers who want predictable monthly costs often choose a longer fixed period.

Question 15

Kaip apskaičiuojama mano maksimali būsto paskola?

Accepted Answer

Your maximum mortgage is calculated from your gross annual income, your partner's income if you apply together, debts registered at BKR, and the value of the home. Lenders apply yearly national lending standards, so two people on the same salary can borrow different amounts depending on their loans and contract. The fixed-interest period and energy label can also affect the limit.

Question 16

Kaip įvertinti paskolą su skaičiuokle Nyderlandams?

Accepted Answer

A mortgage calculator for the Netherlands estimates your maximum loan and monthly payments from your income, the interest rate and the fixed-interest period. It is a useful starting point to see what you can afford before viewing homes. A personal calculation goes further by accounting for your contract type, debts, a second income and the 30% ruling.

Question 17

Kas atsitinka mano paskolai, kai baigiasi 30% lengvata?

Accepted Answer

When the 30% ruling ends your net income falls while your mortgage payments stay the same, so it pays to plan ahead. A good adviser takes the ruling's end date into account when setting up your mortgage, choosing a payment and fixed-interest period that stay comfortable afterwards. Building savings or making extra repayments before it ends also softens the transition.

Question 18

Kas yra anuiteto paskola (annuïteitenhypotheek)?

Accepted Answer

An annuity mortgage (annuïteitenhypotheek) keeps your gross monthly payment roughly the same over the term, starting with more interest and less repayment, gradually reversing. Because the deductible interest falls over time, your net cost slowly rises, so it suits buyers who want low payments at the start. It is the most common choice for first-time buyers and qualifies for mortgage interest deduction.

Question 19

Kas yra būsto paskolos konsultacijų ir tarpininkavimo mokesčiai?

Accepted Answer

Mortgage advice and arrangement fees (advies- en bemiddelingskosten) are what you pay to have your situation assessed, lenders compared and your mortgage arranged. These are one-off costs that are usually tax-deductible in the year you buy. The valuation report and any NHG premium are separate items in your total financing costs.

Question 20

Kas yra būsto paskolos pasiūlymas (hypotheekofferte) ir ar jis privalomas?

Accepted Answer

A mortgage offer (hypotheekofferte), now usually a binding proposal (bindend aanbod), sets out the interest rate, term and conditions of your loan. You receive it after the lender assesses your application, income and documents, and it is valid for a set period in which you can accept. Once accepted, it forms the basis for the mortgage deed at the notary.

Question 21

Kas yra fiksuotų palūkanų laikotarpis (rentevaste periode)?

Accepted Answer

Fiksuotų palūkanų laikotarpis (rentevaste periode) yra laikas, per kurį paskolos palūkanos lieka tokios pačios, pavyzdžiui, 5, 10, 20 ar 30 metų. Ilgesnis laikotarpis suteikia tikrumą dėl mėnesinių įmokų, o trumpesnis paprastai pigesnis, bet rizikingesnis, kai palūkanos iš naujo nustatomos. Laikotarpio pabaigoje gauni naujas palūkanas pagal rinką ir likusį paskolos ir vertės santykį.

Question 22

Kas yra NHG (Nationale Hypotheek Garantie)?

Accepted Answer

NHG (Nationale Hypotheek Garantie) yra nacionalinė būsto paskolos garantija, veikianti kaip apsaugos tinklas, jei negali grąžinti paskolos dėl tokių įvykių kaip darbo netekimas, nedarbingumas, skyrybos ar partnerio mirtis. Paprastai ji suteikia mažesnes palūkanas (rentekorting) ir gali padengti likutinę skolą (restschuld), jei būstą tenka parduoti nuostolingai. NHG prieinama iki maksimalios būsto kainos (NHG-grens), nustatomos kasmet, ir garantuojama fondo WEW.

Question 23

Kas yra paskola tik su palūkanomis (aflossingsvrije hypotheek)?

Accepted Answer

An interest-only mortgage (aflossingsvrije hypotheek) means you pay only interest and do not repay the principal during the term, which keeps monthly costs low. For new mortgages it is limited to part of the loan and usually does not qualify for mortgage interest deduction, so it is often combined with an annuity or linear part. The principal is repaid or refinanced at the end of the term.

Question 24

Kas yra paskolos ir vertės santykis (LTV) ir kodėl jis svarbus?

Accepted Answer

Loan-to-value (LTV) is the size of your mortgage compared with your home's value. A lower LTV, meaning you borrow less relative to the value, usually gives a better interest rate because the lender takes less risk. Building equity (overwaarde) or making extra repayments lowers your LTV over time, which can qualify you for a lower rate.

Question 25

Kas yra taupomoji paskola (spaarhypotheek)?

Accepted Answer

A savings mortgage (spaarhypotheek) combines an interest-only loan with a linked savings or insurance product that grows to repay the debt at the end of the term. New ones are rarely issued under current rules, but many existing homeowners still have one. When switching mortgage or moving home, it is worth checking how the savings part is affected.

Question 26

Kas yra tiesinė paskola (lineaire hypotheek)?

Accepted Answer

With a linear mortgage (lineaire hypotheek) you repay a fixed amount of principal every month, so your payments are highest at the start and decrease over time. You build equity (overwaarde) faster and pay less total interest than with an annuity mortgage. It suits buyers who can afford higher initial payments and want to reduce their debt quickly.

Question 27

Kas yra vertinimo ataskaita (taxatierapport) ir kodėl jos reikia?

Accepted Answer

A valuation report (taxatierapport) is an independent appraisal of a home's market value by a certified valuer, which lenders require to approve a mortgage. It confirms the property is worth enough to secure the loan and feeds into your loan-to-value (LTV), which influences your interest rate. A validated report (gevalideerd taxatierapport) is usually needed for the mortgage.

Question 28

Kodėl naudotis būsto paskolų konsultantu, o ne eiti tiesiai į savo banką?

Accepted Answer

A bank only offers its own products, while an independent mortgage adviser compares many lenders to find the best rate and conditions for your situation. This is especially valuable for migrants with international income, temporary contracts or the 30% ruling, where standard bank rules often do not fit. Independent advice widens your options instead of limiting you to one provider.

Question 29

Kokią būsto paskolą galiu gauti Nyderlanduose?

Accepted Answer

Your maximum mortgage (maximale hypotheek) mainly depends on your gross income, your contract type and any existing debts, within national lending limits that are updated each year. A second income, the 30% ruling and the home's value also play a role. A personal mortgage calculation gives a far more accurate figure than a rule of thumb before you start viewing homes.

Question 30

Kokie būsto paskolų tipai yra Nyderlanduose?

Accepted Answer

The two main mortgage types (hypotheekvormen) in the Netherlands are the annuity mortgage (annuïteitenhypotheek) and the linear mortgage (lineaire hypotheek), both of which qualify for mortgage interest deduction. Older forms such as the interest-only (aflossingsvrije) and savings (spaar) mortgage still exist but have stricter rules for new buyers. Your choice affects your monthly payment, your repayment speed and your tax deduction.

Question 31

Kokios būsto paskolų palūkanos Nyderlanduose ir kaip jos nustatomos?

Accepted Answer

Dutch mortgage interest rates depend on the market, your chosen fixed-interest period and your loan-to-value (LTV), with NHG and a lower LTV usually giving better rates. Rates differ per lender and change continuously, so the rate you are offered reflects your risk profile and the term you fix. Comparing current offers across lenders is the best way to find a competitive rate.

Question 32

Kokios yra mėnesinės būsto paskolos išlaidos?

Accepted Answer

Mėnesinės paskolos išlaidos susideda iš palūkanų plius pagrindinės sumos grąžinimo esant anuiteto ar tiesinei paskolai, o neto kaina mažesnė dėl palūkanų lengvatos (hypotheekrenteaftrek). Be paskolos taip pat planuok būsto draudimą, priežiūrą ir galimą žemės nuomą (erfpacht) ar VvE aptarnavimo mokestį. Fiksuotų palūkanų laikotarpis ir paskolos bei vertės santykis lemia mokamą palūkaną.

Question 33

Kokių dokumentų reikia paskolos paraiškai?

Accepted Answer

For a mortgage application you typically need proof of identity, your BSN, an employer's statement (werkgeversverklaring) and recent payslips, or annual figures if you are self-employed, plus bank statements, the purchase agreement and a valuation report (taxatierapport). As a migrant you may also need your residence permit and 30%-ruling decision. Having these ready speeds up the assessment.

Question 34

Koks skirtumas tarp banko garantijos ir užstato (bankgarantie of waarborgsom)?

Accepted Answer

After signing the purchase agreement you usually give the seller security, either a deposit (waarborgsom) paid to the notary or a bank guarantee (bankgarantie), where a bank promises to pay if you default. Both protect the seller for the same amount. Which suits you depends on whether you have the cash free or prefer the bank to stand surety.

Question 35

Koks skirtumas tarp būsto paskolų konsultanto ir visapusiško būsto partnerio?

Accepted Answer

A mortgage adviser only arranges your loan, while a full-service home partner like Domek is independent of any single bank and, alongside the mortgage, also helps you find the home and set up utilities, insurance and tax. For non-native buyers that means independent advice and one point of contact in your own language, instead of juggling many separate providers.

Question 36

Kuri būsto paskola geriausia mano situacijai?

Accepted Answer

The best mortgage depends entirely on your profile: your income, contract type, residence status, future plans and how much certainty you want. Because Domek is independent and not tied to any single bank, we compare the whole market and recommend the option that genuinely fits your situation, not one lender's product. For non-natives with international income, a temporary contract or the 30% ruling, this tailored, independent advice often makes a real difference.

Question 37

Kuri paskola man geresnė: anuiteto ar tiesinė?

Accepted Answer

Tiesinė paskola kainuoja mažiau palūkanų iš viso ir greičiau kaupia kapitalą, bet turi didesnes įmokas pradžioje, o anuiteto paskola tolygiau paskirsto išlaidas ir lengviau gaunama. Geriausias pasirinkimas priklauso nuo dabartinio biudžeto, kaip greitai nori grąžinti, ir nuo laikui bėgant mažėjančios palūkanų lengvatos. Abi tinkamos būsto paskolos palūkanų lengvatai.