{"id":27408,"date":"2026-05-11T09:19:10","date_gmt":"2026-05-11T09:19:10","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/?post_type=blog&#038;p=27408"},"modified":"2026-06-26T19:09:25","modified_gmt":"2026-06-26T19:09:25","slug":"tartsa-meg-jelzalogkamatat-uj-ingatlan-vasarlasakor-hollandiaban-ismerje-meg-a-hypotheekrente-meenemen-mukodeset","status":"publish","type":"blog","link":"https:\/\/domek-nl.bearwithus.nl\/lt\/naujienos-ir-patarimai\/tartsa-meg-jelzalogkamatat-uj-ingatlan-vasarlasakor-hollandiaban-ismerje-meg-a-hypotheekrente-meenemen-mukodeset\/","title":{"rendered":"Tartsa meg jelz\u00e1logkamat\u00e1t \u00faj ingatlan v\u00e1s\u00e1rl\u00e1sakor Hollandi\u00e1ban. Ismerje meg a hypotheekrente meenemen m\u0171k\u00f6d\u00e9s\u00e9t."},"content":{"rendered":"\n<p class=\"font-weight-bold wp-block-paragraph\">Daugelis Nyderland\u0173 b\u016bsto savinink\u0173 vis dar turi hipotekas su pal\u016bkan\u0173 normomis i\u0161 laikotarpio, kai skolinimosi s\u0105lygos buvo gerokai palankesn\u0117s. Persikraustant \u012f nauj\u0105 b\u016bst\u0105, \u0161i\u0173 s\u0105lyg\u0173 praradimas gali reik\u0161ti \u017eymiai didesnes m\u0117nesines \u012fmokas.<\/p>\n\n\n\n<p class=\"font-weight-bold wp-block-paragraph\">Tai, ko daugelis ne\u017eino \u2013 kai kuriais atvejais galima i\u0161saugoti esam\u0105 hipotekos pal\u016bkan\u0173 norm\u0105 perkant nauj\u0105 b\u016bst\u0105. Nyderlanduose tai vadinama hypotheekrente meenemen.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Moving to a new home in the Netherlands with your mortgage\" style=\"object-fit:cover;\" srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64.jpg 1200w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-300x157.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-1024x536.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-768x402.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-690x361.jpg 690w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n<h2 class=\"wp-block-heading\">Kas yra hypotheekrente meenemen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hypotheekrente meenemen rei\u0161kia, kad j\u016bs\u0173 dabartin\u0117 hipotekos pal\u016bkan\u0173 norma perkeliama \u012f nauj\u0105 b\u016bst\u0105 po to, kai parduodate esam\u0105 turt\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160i galimyb\u0117 ypa\u010d aktuali tiems, kuri\u0173 dabartin\u0117 pal\u016bkan\u0173 norma yra ma\u017eesn\u0117 nei rinkoje si\u016blomos dabar. I\u0161laikant esam\u0105 norm\u0105, galima i\u0161vengti didesni\u0173 m\u0117nesini\u0173 \u012fmok\u0173 ir i\u0161laikyti palankesnes finansavimo s\u0105lygas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prakti\u0161kai tai rei\u0161kia, kad dalis arba visa j\u016bs\u0173 hipotekos paskola gali b\u016bti perkelta \u012f nauj\u0105 b\u016bst\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kada verta perkelti hipotekos pal\u016bkanas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pal\u016bkan\u0173 perk\u0117limas da\u017enai naudingas, kai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>j\u016bs\u0173 dabartin\u0117 pal\u016bkan\u0173 norma yra ma\u017eesn\u0117 nei rinkos<\/li>\n\n\n\n<li>persikeliate \u012f didesn\u012f b\u016bst\u0105<\/li>\n\n\n\n<li>norite suma\u017einti m\u0117nesines \u012fmokas<\/li>\n\n\n\n<li>turite sukaup\u0119 b\u016bsto vert\u0119 (overwaarde)<\/li>\n\n\n\n<li>norite didesnio finansinio stabilumo po persikraustymo<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Daugelis \u017emoni\u0173 kraustosi d\u0117l \u0161eimos pagaus\u0117jimo, darbo keitimo ar geresn\u0117s finansin\u0117s situacijos. Palankios pal\u016bkanos i\u0161laikymas padeda u\u017etikrinti stabilesnes i\u0161laidas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ar visi gali pasinaudoti \u0161ia galimybe?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Galimyb\u0117 priklauso nuo keli\u0173 veiksni\u0173:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>dabartinio banko s\u0105lyg\u0173<\/li>\n\n\n\n<li>hipotekos tipo<\/li>\n\n\n\n<li>finansin\u0117s situacijos<\/li>\n\n\n\n<li>naujo b\u016bsto vert\u0117s<\/li>\n\n\n\n<li>naujos hipotekos dyd\u017eio<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kiekvienas bankas taiko savo <strong>verhuisregeling<\/strong> (perk\u0117limo taisykles). Daugeliu atvej\u0173 bankas i\u0161 naujo \u012fvertina j\u016bs\u0173 kreditingum\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas, jei naujas b\u016bstas brangesnis?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tai labai da\u017ena situacija.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokiu atveju da\u017eniausiai galima:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>i\u0161laikyti esam\u0105 pal\u016bkan\u0173 norm\u0105 esamai paskolos daliai<\/li>\n\n\n\n<li>o likusi\u0105 sum\u0105 finansuoti pagal tuo metu galiojan\u010dias rinkos pal\u016bkanas<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Taip dalis hipotekos gali likti su ma\u017eesne pal\u016bkan\u0173 norma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ar reikia likti tame pa\u010diame banke?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Da\u017eniausiai \u2013 taip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hipotekos pal\u016bkan\u0173 perk\u0117limas paprastai vyksta tame pa\u010diame banke. Kiekvienas skolintojas turi savo taisykles d\u0117l verhuisregeling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tod\u0117l svarbu palyginti visas galimybes prie\u0161 priimant sprendim\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kartais palankiau i\u0161laikyti esam\u0105 hipotek\u0105, o kartais \u2013 rinktis visi\u0161kai nauj\u0105 finansavim\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kaip vyksta procesas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Procesas paprastai apima:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>esamo b\u016bsto pardavim\u0105<\/li>\n\n\n\n<li>dabartin\u0117s hipotekos analiz\u0119<\/li>\n\n\n\n<li>banko s\u0105lyg\u0173 patikrinim\u0105<\/li>\n\n\n\n<li>skolinimosi galimybi\u0173 \u012fvertinim\u0105<\/li>\n\n\n\n<li>geriausio finansavimo pasirinkim\u0105<\/li>\n\n\n\n<li>naujos hipotekos sutvarkym\u0105<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbus yra planavimas, nes bankai da\u017enai taiko grie\u017etus terminus po b\u016bsto pardavimo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kaip gali pad\u0117ti Domek?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Domek padeda tarptautiniams klientams Nyderlanduose nuo A iki Z.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mes analizuojame:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pal\u016bkan\u0173 perk\u0117limo galimybes<\/li>\n\n\n\n<li>dabartinio banko s\u0105lygas<\/li>\n\n\n\n<li>galimus finansavimo sprendimus<\/li>\n\n\n\n<li>b\u016bsimus m\u0117nesinius ka\u0161tus<\/li>\n\n\n\n<li>geriausi\u0105 sprendim\u0105 j\u016bs\u0173 situacijai<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Taip pat padedame:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>parduoti esam\u0105 b\u016bst\u0105<\/li>\n\n\n\n<li>rasti nauj\u0105 b\u016bst\u0105<\/li>\n\n\n\n<li>sutvarkyti hipotek\u0105<\/li>\n\n\n\n<li>paruo\u0161ti dokumentus<\/li>\n\n\n\n<li>vis\u0105 proces\u0105 atlikti j\u016bs\u0173 kalba<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pilna pagalba tarptautiniams klientams Nyderlanduose<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Domek jau daugiau nei 15 met\u0173 padeda tarptautiniams klientams \u012fsigyti nekilnojam\u0105j\u012f turt\u0105 ir sutvarkyti hipotekas Nyderlanduose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016bs\u0173 komanda jus lydi viso proceso metu \u2013 nuo skolinimosi galimybi\u0173 skai\u010diavimo iki pasi\u016blym\u0173 palyginimo ir galutinio b\u016bsto \u012fsigijimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jei norite su\u017einoti, ar galite perkelti savo hipotekos pal\u016bkanas \u012f nauj\u0105 b\u016bst\u0105, susisiekite su Domek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefonas: +31 88 1021 500<br>El. pa\u0161tas: <a>info@domek.nl<\/a><\/p>\n","protected":false},"author":20,"featured_media":27407,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Hipotekos pal\u016bkan\u0173 perk\u0117limas \u012f nauj\u0105 b\u016bst\u0105 | Domek","_seopress_titles_desc":"I\u0161laikykite savo hipotekos pal\u016bkanas perkant nauj\u0105 b\u016bst\u0105 Nyderlanduose. Su\u017einokite, kaip veikia hypotheekrente meenemen.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"inline_featured_image":false},"blog_categorie":[185],"class_list":["post-27408","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog_categorie-busto-paskola"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/blog\/27408","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/users\/20"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/media\/27407"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/media?parent=27408"}],"wp:term":[{"taxonomy":"blog_categorie","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/lt\/wp-json\/wp\/v2\/blog_categorie?post=27408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}