{"id":21337,"date":"2026-04-17T11:21:32","date_gmt":"2026-04-17T11:21:32","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/faq\/"},"modified":"2026-05-28T14:14:06","modified_gmt":"2026-05-28T14:14:06","slug":"faq","status":"publish","type":"page","link":"https:\/\/domek-nl.bearwithus.nl\/pl\/faq\/","title":{"rendered":"FAQ PL"},"content":{"rendered":"\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><section id=\"block_94724a16c7be0bab87304f7ce57e17e4\" class=\"block-questions \">\n\t<div class=\"block-questions__inner\">\n\t\t\t\t\t<div class=\"block-questions__content\">\n\t\t\t\t\n\n<h2 class=\"wp-block-heading has-text-align-left\">Najcz\u0119\u015bciej zadawane pytania<\/h2>\n\n\n\t\t\t<\/div>\n\t\t\n\t\t<div\n\t\t\tclass=\"block-questions__list\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8245\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8245\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8245\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce pom\u00f3c mi znale\u017a\u0107 dom i zorganizowa\u0107 kredyt hipoteczny?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8245\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8245\">\n        <div class=\"accordion-item__body\">\n            <p>Tak \u2014 i w\u0142a\u015bnie to nas wyr\u00f3\u017cnia. Wi\u0119kszo\u015b\u0107 doradc\u00f3w zajmuje si\u0119 tylko kredytem hipotecznym. W Domek pomagamy Ci znale\u017a\u0107 odpowiedni\u0105 nieruchomo\u015b\u0107, prowadzimy Ci\u0119 przez proces sk\u0142adania ofert, organizujemy kredyt hipoteczny, ustawiamy ubezpieczenia oraz pomagamy z mediami i rejestracj\u0105 podatkow\u0105. Nikt nie obejmuje wszystkiego tak jak my.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8311\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8311\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8311\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce pom\u00f3c mi w moim j\u0119zyku?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8311\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8311\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Oferujemy osobiste wsparcie w ponad 12 j\u0119zykach, w tym po polsku, rumu\u0144sku, litewsku, w\u0119giersku, hiszpa\u0144sku, bu\u0142garsku, hindi, ukrai\u0144sku, portugalsku, turecku i rosyjsku. Zawsze b\u0119dziesz pracowa\u0107 z doradc\u0105, kt\u00f3ry m\u00f3wi w Twoim j\u0119zyku i rozumie Twoj\u0105 sytuacj\u0119 jako osoby z zagranicy w Holandii.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8125\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8125\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8125\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 kupi\u0107 dom w Holandii, je\u015bli nie jestem obywatelem Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8125\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8125\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Nie potrzebujesz obywatelstwa holenderskiego, aby kupi\u0107 dom w Holandii. Niezale\u017cnie od tego, czy posiadasz paszport UE, czy pozwolenie na pobyt, mo\u017cesz ubiega\u0107 si\u0119 o kredyt hipoteczny i kupi\u0107 nieruchomo\u015b\u0107. Domek pom\u00f3g\u0142 ju\u017c tysi\u0105com os\u00f3b z zagranicy \u2014 od wysoko wykwalifikowanych migrant\u00f3w po pracownik\u00f3w fizycznych \u2014 przej\u015b\u0107 przez ten proces od pocz\u0105tku do ko\u0144ca.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8829\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8829\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8829\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 kupi\u0107 mieszkanie w Holandii jako osoba bez holenderskiej rezydencji?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8829\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8829\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Twoja narodowo\u015b\u0107 i status pobytu nie stanowi\u0105 przeszkody w zakupie mieszkania w Holandii. Niezale\u017cnie od tego, czy jeste\u015b wysoko wykwalifikowanym migrantem, pracownikiem czy obywatelem UE, Domek przeprowadzi Ci\u0119 przez ca\u0142y proces \u2014 od znalezienia odpowiedniego mieszkania a\u017c po finalizacj\u0119 kredytu hipotecznego.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8154\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8154\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8154\">\n            <span class=\"accordion-item__header\">Czy potrzebuj\u0119 sta\u0142ego pozwolenia na pobyt, aby otrzyma\u0107 kredyt hipoteczny?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8154\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8154\">\n        <div class=\"accordion-item__body\">\n            <p>Niekoniecznie. Wiele bank\u00f3w oferuje kredyty hipoteczne osobom z tymczasowym pozwoleniem na pobyt, w zale\u017cno\u015bci od Twojego dochodu, pracodawcy oraz rodzaju pozwolenia. Dok\u0142adnie wiemy, kt\u00f3rzy kredytodawcy s\u0105 otwarci na Twoj\u0105 sytuacj\u0119 i dopasujemy Ci\u0119 do odpowiedniego banku \u2014 dzi\u0119ki temu nie tracisz czasu na sk\u0142adanie wniosk\u00f3w do niew\u0142a\u015bciwych instytucji.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8211\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8211\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8211\">\n            <span class=\"accordion-item__header\">Czy musz\u0119 wnie\u015b\u0107 w\u0142asne pieni\u0105dze przy zakupie domu?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8211\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8211\">\n        <div class=\"accordion-item__body\">\n            <p>To zale\u017cy od Twojej indywidualnej sytuacji finansowej. W niekt\u00f3rych przypadkach mo\u017cliwe jest sfinansowanie ca\u0142ej ceny zakupu. Dok\u0142adnie analizujemy Twoj\u0105 sytuacj\u0119 i dopasowujemy kredyt hipoteczny do Twoich mo\u017cliwo\u015bci. Ka\u017cdy wniosek jest inny \u2014 dlatego zalecamy bezpo\u015bredni kontakt z nami w celu wykonania bezp\u0142atnej pierwszej kalkulacji.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8289\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8289\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8289\">\n            <span class=\"accordion-item__header\">Jak d\u0142ugo trwa zakup domu w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8289\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8289\">\n        <div class=\"accordion-item__body\">\n            <p>Od pierwszej kalkulacji kredytu hipotecznego do otrzymania kluczy proces zazwyczaj trwa od 2 do 4 miesi\u0119cy. Znalezienie odpowiedniej nieruchomo\u015bci mo\u017ce potrwa\u0107 d\u0142u\u017cej w zale\u017cno\u015bci od rynku. Towarzyszymy Ci przez ca\u0142\u0105 drog\u0119 \u2014 od poszukiwa\u0144 po finalizacj\u0119 \u2014 i dbamy o to, aby proces posuwa\u0142 si\u0119 naprz\u00f3d na ka\u017cdym etapie.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8171\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8171\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8171\">\n            <span class=\"accordion-item__header\">Ile mog\u0119 po\u017cyczy\u0107 jako osoba z zagranicy w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8171\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8171\">\n        <div class=\"accordion-item__body\">\n            <p>Twoja maksymalna kwota kredytu hipotecznego zale\u017cy od Twojego dochodu brutto, rodzaju umowy o prac\u0119 oraz wszelkich istniej\u0105cych zobowi\u0105za\u0144 finansowych. Jako osoba z zagranicy znaczenie maj\u0105 r\u00f3wnie\u017c takie czynniki jak d\u0142ugo\u015b\u0107 Twojego pozwolenia na pobyt oraz to, czy Tw\u00f3j doch\u00f3d jest w euro. Bezp\u0142atnie obliczymy Twoj\u0105 maksymaln\u0105 zdolno\u015b\u0107 i dok\u0142adnie wyja\u015bnimy, co jest mo\u017cliwe w Twojej sytuacji.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8228\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8228\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8228\">\n            <span class=\"accordion-item__header\">Pracuj\u0119 przez agencj\u0119 pracy (uitzendbureau). Czy nadal mog\u0119 otrzyma\u0107 kredyt hipoteczny?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8228\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8228\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Nawet je\u015bli pracujesz przez agencj\u0119 pracy \u2014 w tym w fazie A bez gwarantowanych godzin \u2014 nadal mo\u017cesz ubiega\u0107 si\u0119 o kredyt hipoteczny w Holandii. Brany jest pod uwag\u0119 Tw\u00f3j doch\u00f3d z ostatnich lat. Mamy du\u017ce do\u015bwiadczenie w pracy z migrantami zarobkowymi zatrudnionymi przez agencje i dok\u0142adnie wiemy, kt\u00f3re banki s\u0105 na to otwarte.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8808\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8808\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8808\">\n            <span class=\"accordion-item__header\">Czy trudniej jest uzyska\u0107 kredyt hipoteczny na mieszkanie ni\u017c na dom?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8808\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8808\">\n        <div class=\"accordion-item__body\">\n            <p>W wi\u0119kszo\u015bci przypadk\u00f3w nie. Proces kredytowy dla mieszkania jest w du\u017cej mierze taki sam jak dla domu. G\u0142\u00f3wna r\u00f3\u017cnica polega na tym, \u017ce niekt\u00f3re mieszkania wi\u0105\u017c\u0105 si\u0119 z dodatkowymi miesi\u0119cznymi kosztami serwisowymi (op\u0142ata VvE). Dbamy o to, aby\u015b mia\u0142 pe\u0142ny obraz wszystkich koszt\u00f3w przed podj\u0119ciem decyzji \u2014 bez niespodzianek.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8194\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8194\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8194\">\n            <span class=\"accordion-item__header\">Jakie s\u0105 ca\u0142kowite koszty zakupu domu w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8194\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8194\">\n        <div class=\"accordion-item__body\">\n            <p>Opr\u00f3cz ceny nieruchomo\u015bci wyst\u0119puj\u0105 r\u00f3wnie\u017c op\u0142aty notarialne, podatek od zakupu lub VAT w przypadku nowych inwestycji oraz op\u0142aty bankowe. Dok\u0142adna kwota zale\u017cy od regionu i rodzaju transakcji \u2013 przygotujemy dla Ciebie spersonalizowane wyliczenie, zanim podejmiesz decyzj\u0119.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8266\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8266\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8266\">\n            <span class=\"accordion-item__header\">Co si\u0119 stanie, je\u015bli moja umowa o prac\u0119 zako\u0144czy si\u0119 przed sp\u0142at\u0105 kredytu hipotecznego?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8266\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8266\">\n        <div class=\"accordion-item__body\">\n            <p>To cz\u0119sta obawa os\u00f3b z zagranicy pracuj\u0105cych na tymczasowych umowach. Kredyt hipoteczny jest zabezpieczony na nieruchomo\u015bci, a nie tylko na Twojej obecnej pracy. Wielu kredytodawc\u00f3w ma do\u015bwiadczenie z mi\u0119dzynarodowymi specjalistami i ocenia szerszy profil Twoich dochod\u00f3w. Doradzamy, jak ustrukturyzowa\u0107 Tw\u00f3j wniosek, aby zminimalizowa\u0107 to ryzyko od samego pocz\u0105tku.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9216\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9216\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9216\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce pom\u00f3c tak\u017ce z ubezpieczeniem i podatkami jako w\u0142a\u015bcicielowi domu ZZP?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9216\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9216\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Po zakupie pomagamy w organizacji odpowiedniego ubezpieczenia nieruchomo\u015bci oraz \u0142\u0105czymy Ci\u0119 z naszymi partnerami podatkowymi w zakresie odliczenia odsetek hipotecznych i innych korzy\u015bci. Wielu migrant\u00f3w ZZP nie jest \u015bwiadomych dost\u0119pnych ulg podatkowych \u2014 dbamy o to, aby\u015b niczego nie przegapi\u0142.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-18701\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18701\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18701\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce pom\u00f3c mi w moim j\u0119zyku podczas tego procesu?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18701\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18701\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Wielu najemc\u00f3w, kt\u00f3rzy do nas trafiaj\u0105, to obcokrajowcy, kt\u00f3rzy wynajmowali mieszkanie podczas budowania swojego \u017cycia w Holandii. Oferujemy wsparcie w ponad 12 j\u0119zykach i rozumiemy specyficzn\u0105 sytuacj\u0119 migrant\u00f3w, kt\u00f3rzy s\u0105 gotowi zrobi\u0107 krok od najemcy do w\u0142a\u015bciciela domu. To wi\u0119kszy krok, ni\u017c wi\u0119kszo\u015b\u0107 ludzi my\u015bli \u2014 i dbamy o to, aby\u015b by\u0142 na niego gotowy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8628\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8628\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8628\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce pom\u00f3c mi w moim j\u0119zyku?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8628\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8628\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Oferujemy wsparcie w ponad 12 j\u0119zykach, w tym polskim, rumu\u0144skim, litewskim, w\u0119gierskim, hiszpa\u0144skim, bu\u0142garskim, hindi, ukrai\u0144skim, portugalskim, tureckim i rosyjskim. Zakup w obcym kraju powinien by\u0107 zrozumia\u0142y \u2014 i z nami taki jest.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8949\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8949\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8949\">\n            <span class=\"accordion-item__header\">Czy Domek mo\u017ce wspiera\u0107 wszystkich kupuj\u0105cych w r\u00f3\u017cnych j\u0119zykach, je\u015bli pochodzimy z r\u00f3\u017cnych kraj\u00f3w?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8949\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8949\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Nasz zesp\u00f3\u0142 m\u00f3wi w ponad 12 j\u0119zykach. Je\u015bli wsp\u00f3\u0142kupuj\u0105cy pos\u0142uguj\u0105 si\u0119 r\u00f3\u017cnymi j\u0119zykami, dbamy o to, aby ka\u017cdy w pe\u0142ni rozumia\u0142, co podpisuje. Nikt nie powinien kupowa\u0107 nieruchomo\u015bci w j\u0119zyku, kt\u00f3rego nie rozumie \u2014 a z Domek nigdy nie musi.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9050\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9050\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9050\">\n            <span class=\"accordion-item__header\">Czy znajomi lub wsp\u00f3\u0142pracownicy mog\u0105 kupi\u0107 dom razem \u2014 nie tylko pary?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9050\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9050\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Kupowanie z przyjaci\u00f3\u0142mi lub wsp\u00f3\u0142pracownikami jest coraz bardziej popularne, szczeg\u00f3lnie na konkurencyjnych rynkach. Domek ma do\u015bwiadczenie w organizowaniu kredyt\u00f3w dla os\u00f3b niespokrewnionych i przeprowadzi Was przez wszystkie kroki formalne i prawne. Kluczowe jest spisanie wszystkich ustale\u0144 przed zakupem.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8722\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8722\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8722\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 kupi\u0107 mieszkanie na umowie tymczasowej?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8722\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8722\">\n        <div class=\"accordion-item__body\">\n            <p>Tak, w wielu przypadkach. Niekt\u00f3re banki s\u0105 bardzo otwarte na klient\u00f3w z umowami tymczasowymi, szczeg\u00f3lnie gdy pracodawca jest renomowany lub dobrze znany. Wiemy, kt\u00f3re banki s\u0105 najbardziej elastyczne i przedstawimy Twoj\u0105 aplikacj\u0119 w mo\u017cliwie najlepszy spos\u00f3b.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-18648\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18648\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18648\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 kupi\u0107 dom razem z partnerem lub cz\u0142onkiem rodziny?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18648\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18648\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Po\u0142\u0105czenie dochod\u00f3w mo\u017ce znacz\u0105co zwi\u0119kszy\u0107 Twoj\u0105 zdolno\u015b\u0107 kredytow\u0105 i u\u0142atwi\u0107 zakup. Domek organizuje hipoteki nawet dla czterech wsp\u00f3\u0142kupuj\u0105cych i dba o to, aby wszystkie ustalenia by\u0142y odpowiednio udokumentowane \u2014 r\u00f3wnie\u017c na wypadek zmiany sytuacji w przysz\u0142o\u015bci.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9224\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9224\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9224\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 otrzyma\u0107 kredyt hipoteczny jako osoba samozatrudniona (ZZP) w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9224\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9224\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Prowadzenie dzia\u0142alno\u015bci gospodarczej nie wyklucza mo\u017cliwo\u015bci uzyskania kredytu hipotecznego. Proces jest bardziej z\u0142o\u017cony ni\u017c w przypadku os\u00f3b zatrudnionych na etacie, ale Domek specjalizuje si\u0119 w kredytach hipotecznych dla ZZP i dok\u0142adnie wie, kt\u00f3re banki s\u0105 otwarte na osoby samozatrudnione \u2014 nawet od pierwszego roku dzia\u0142alno\u015bci.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9219\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9219\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9219\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 otrzyma\u0107 kredyt hipoteczny, je\u015bli m\u00f3j doch\u00f3d zmienia si\u0119 z roku na rok?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9219\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9219\">\n        <div class=\"accordion-item__body\">\n            <p>Tak, cho\u0107 wymaga to starannego przygotowania. Pomagamy zbudowa\u0107 jak najmocniejszy wniosek poprzez wyb\u00f3r odpowiedniego banku, przygotowanie dokument\u00f3w i w\u0142a\u015bciwe przedstawienie historii dochod\u00f3w. Zmienny doch\u00f3d jest typowy dla ZZP i wiele bank\u00f3w to rozumie, je\u015bli jest to dobrze przedstawione.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-18514\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18514\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18514\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 otrzyma\u0107 kredyt hipoteczny na zakup domu, kt\u00f3ry obecnie wynajmuj\u0119?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18514\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-18514\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Proces hipoteczny wygl\u0105da tak samo jak przy ka\u017cdym innym zakupie nieruchomo\u015bci. Fakt, \u017ce ju\u017c mieszkasz w tej nieruchomo\u015bci, mo\u017ce by\u0107 nawet zalet\u0105 \u2014 dobrze znasz dom i nie musisz przechodzi\u0107 d\u0142ugiego procesu poszukiwa\u0144. Obliczamy Twoj\u0105 maksymaln\u0105 hipotek\u0119 i prowadzimy Ci\u0119 przez ca\u0142y proces wnioskowania.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9215\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9215\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9215\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 otrzyma\u0107 wsparcie w swoim j\u0119zyku jako migrant ZZP w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9215\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9215\">\n        <div class=\"accordion-item__body\">\n            <p>Oczywi\u015bcie. Wielu naszych klient\u00f3w ZZP to wykwalifikowani migranci z Polski, Rumunii, Indii, Ukrainy i wielu innych kraj\u00f3w. Oferujemy wsparcie w ponad 12 j\u0119zykach i rozumiemy specyficzne wyzwania zwi\u0105zane z prowadzeniem dzia\u0142alno\u015bci i \u017cyciem za granic\u0105 w Holandii \u2014 poniewa\u017c robili\u015bmy to tysi\u0105ce razy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8648\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8648\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8648\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 wynaj\u0105\u0107 mieszkanie po jego zakupie?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8648\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8648\">\n        <div class=\"accordion-item__body\">\n            <p>To zale\u017cy od rodzaju kredytu i warunk\u00f3w banku. Standardowy kredyt na w\u0142asne zamieszkanie zazwyczaj nie pozwala na wynajem bez zgody banku. Doradzamy uczciwie, co jest mo\u017cliwe, a co nie \u2014 a je\u015bli Twoim celem jest wynajem, od pocz\u0105tku skierujemy Ci\u0119 do odpowiedniego produktu.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8992\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8992\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8992\">\n            <span class=\"accordion-item__header\">Czy jedna osoba mo\u017ce mie\u0107 znacznie wy\u017cszy doch\u00f3d ni\u017c druga?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8992\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8992\">\n        <div class=\"accordion-item__body\">\n            <p>Tak, nier\u00f3wne dochody s\u0105 bardzo cz\u0119ste przy wsp\u00f3lnych zakupach. Banki oceniaj\u0105 ca\u0142o\u015bciow\u0105 sytuacj\u0119 finansow\u0105. Pomagamy odpowiednio ustrukturyzowa\u0107 wniosek, aby by\u0142 jak najkorzystniejszy \u2014 w tym tak\u017ce w zakresie podzia\u0142u udzia\u0142\u00f3w w nieruchomo\u015bci.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9137\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9137\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9137\">\n            <span class=\"accordion-item__header\">Czy dwie lub wi\u0119cej os\u00f3b o r\u00f3\u017cnych narodowo\u015bciach mo\u017ce kupi\u0107 dom razem w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9137\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9137\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Domek regularnie pomaga grupom os\u00f3b z r\u00f3\u017cnych kraj\u00f3w kupowa\u0107 nieruchomo\u015bci razem \u2014 niezale\u017cnie od tego, czy jest to para, znajomi czy cz\u0142onkowie rodziny. Dbamy o to, aby wszystkie dochody by\u0142y prawid\u0142owo ocenione oraz aby struktura kredytu hipotecznego dzia\u0142a\u0142a dla wszystkich zaanga\u017cowanych os\u00f3b.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-8668\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8668\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8668\">\n            <span class=\"accordion-item__header\">Czy dwie osoby o r\u00f3\u017cnych narodowo\u015bciach mog\u0105 kupi\u0107 mieszkanie razem?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8668\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-8668\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Wielu naszych klient\u00f3w kupuje razem z partnerem lub cz\u0142onkiem rodziny z innego kraju. Dbamy o to, aby oba dochody by\u0142y prawid\u0142owo ocenione, uwzgl\u0119dnione by\u0142y obie sytuacje prawne oraz aby struktura kredytu dzia\u0142a\u0142a dla obu stron.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-9072\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9072\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9072\">\n            <span class=\"accordion-item__header\">Czy wszyscy kupuj\u0105cy musz\u0105 mieszka\u0107 w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9072\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-9072\">\n        <div class=\"accordion-item__body\">\n            <p>Niekoniecznie. W niekt\u00f3rych przypadkach jeden z kupuj\u0105cych mo\u017ce mieszka\u0107 za granic\u0105, cho\u0107 komplikuje to proces kredytowy. Ka\u017cd\u0105 sytuacj\u0119 analizujemy indywidualnie i jasno informujemy, co jest mo\u017cliwe, a co nie.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-22124\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22124\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22124\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 samodzielnie budowa\u0107 emerytur\u0119 w Holandii?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22124\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22124\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Mo\u017cesz budowa\u0107 dodatkowy kapita\u0142 emerytalny poprzez prywatne oszcz\u0119dno\u015bci lub produkty inwestycyjno-emerytalne. Jest to szczeg\u00f3lnie przydatne, je\u015bli masz luki w emeryturze pracowniczej lub pa\u0144stwowej.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-22319\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22319\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22319\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 skorzysta\u0107 z oszcz\u0119dno\u015bci emerytalnych przed emerytur\u0105?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22319\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-22319\">\n        <div class=\"accordion-item__body\">\n            <p>W wi\u0119kszo\u015bci przypadk\u00f3w produkty emerytalne s\u0105 przeznaczone do d\u0142ugoterminowego oszcz\u0119dzania i nie mo\u017cna swobodnie wyp\u0142aca\u0107 \u015brodk\u00f3w przed emerytur\u0105. Natomiast zwyk\u0142e oszcz\u0119dno\u015bci lub inwestycje mog\u0105 oferowa\u0107 wi\u0119ksz\u0105 elastyczno\u015b\u0107.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-21389\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21389\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21389\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 sfinansowa\u0107 remont bez u\u017cywania w\u0142asnych oszcz\u0119dno\u015bci?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21389\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21389\">\n        <div class=\"accordion-item__body\">\n            <p>W wielu przypadkach tak. Je\u015bli warto\u015b\u0107 Twojego domu wzros\u0142a, mo\u017cesz mie\u0107 mo\u017cliwo\u015b\u0107 sfinansowania remontu poprzez kredyt hipoteczny. Zale\u017cy to od Twoich dochod\u00f3w, warto\u015bci nieruchomo\u015bci i obecnej sytuacji hipotecznej. Pomagamy Ci obliczy\u0107, co jest mo\u017cliwe.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-21551\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21551\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21551\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 sfinansowa\u0107 energooszcz\u0119dne ulepszenia?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21551\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-21551\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Ulepszenia takie jak izolacja, panele s\u0142oneczne lub pompa ciep\u0142a s\u0105 cz\u0119sto wspierane przez banki i czasami mog\u0105 wi\u0105za\u0107 si\u0119 z lepszymi warunkami. Te ulepszenia mog\u0105 r\u00f3wnie\u017c obni\u017cy\u0107 Twoje miesi\u0119czne koszty energii.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t\t\t<div class=\"accordion-item\">\n    <div id=\"accordion-heading-block_94724a16c7be0bab87304f7ce57e17e4-20945\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-20945\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-20945\">\n            <span class=\"accordion-item__header\">Czy mog\u0119 dosta\u0107 now\u0105 hipotek\u0119 po rozstaniu?<\/span>\n            <span class=\"accordion-item__toggle\">\n              <svg width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                <path d=\"M11.375 0.977001V21.0242V0.977001Z\" fill=\"#030329\"\/>\n                <path class=\"top\" d=\"M11.375 0.977001V21.0242\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M21.3987 11.0005H1.35156H21.3987Z\" fill=\"#030329\"\/>\n                <path d=\"M21.3987 11.0005H1.35156\" stroke=\"#030329\" stroke-width=\"1.50354\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n              <\/svg>\n            <\/span>\n        <\/button>\n    <\/div>\n    <div id=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-20945\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_94724a16c7be0bab87304f7ce57e17e4-20945\">\n        <div class=\"accordion-item__body\">\n            <p>Tak. Obliczamy, ile mo\u017cesz po\u017cyczy\u0107 na podstawie Twojej nowej sytuacji, w tym dochod\u00f3w i zobowi\u0105za\u0144 finansowych. To pomaga zrozumie\u0107, na jaki typ nieruchomo\u015bci mo\u017cesz sobie pozwoli\u0107 dalej.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n<\/section>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading\">Potrzebujesz pomocy?<\/h2>\n\n\n\n<p>Skontaktuj si\u0119 z nami przez email lub zadzwo\u0144 \u2014 nasz zesp\u00f3\u0142 jest do Twojej dyspozycji na ka\u017cdym etapie.<\/p>\n\n\n<section  class=\"block-contact-quicklinks-image \">\n  <div class=\"inner\">\n    <div class=\"cq__intro\">\n                <div class=\"cq\">\n                                      <a class=\"cq__row\"  href=\"tel:31881021500\" target=\"_self\" rel=\"\" >\n            <span class=\"cq__icon\">\n                              <svg width=\"48\" height=\"48\" viewbox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                  <rect width=\"48\" height=\"48\" rx=\"5\" fill=\"#126F97\"\/>\n                  <path d=\"M29.2416 27.2471C29.4209 27.135 29.6271 27.0666 29.8415 27.0483C30.056 27.0299 30.2719 27.0622 30.4698 27.1421L38.101 30.3577C38.3582 30.461 38.5729 30.6399 38.7129 30.8676C38.8529 31.0953 38.9107 31.3595 38.8777 31.6207C38.6263 33.3876 37.7012 35.0084 36.2742 36.1818C34.8473 37.3553 33.0158 38.0014 31.1203 38C25.2837 38 19.6861 35.8195 15.559 31.9382C11.4319 28.057 9.11328 22.7928 9.11328 17.3039C9.11183 15.5213 9.79886 13.7989 11.0466 12.4569C12.2943 11.115 14.0179 10.2449 15.8966 10.0085C16.1743 9.97747 16.4553 10.0319 16.6974 10.1635C16.9395 10.2952 17.1298 10.4971 17.2397 10.739L20.6589 17.9217C20.7429 18.1062 20.7771 18.3074 20.7585 18.5073C20.7398 18.7072 20.6689 18.8997 20.5521 19.0676L17.0941 22.9344C16.9714 23.1085 16.8989 23.3095 16.8835 23.5178C16.8682 23.7262 16.9107 23.9347 17.0067 24.1229C18.3449 26.6993 21.1767 29.3305 23.9243 30.5768C24.1256 30.6667 24.3483 30.7057 24.5705 30.69C24.7927 30.6742 25.0067 30.6043 25.1913 30.487L29.2416 27.2471Z\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <\/svg>\n                          <\/span>\n\n            <span class=\"cq__texts\">\n              <span class=\"cq__title\">Zadzwo\u0144 do nas w godzinach pracy biura<\/span>\n                              <span class=\"cq__sub\">+31 88 1021 500<\/span>\n                          <\/span>\n          <\/a>\n                                      <a class=\"cq__row\"  href=\"mailto:info@domek.nl\" target=\"_self\" rel=\"\" >\n            <span class=\"cq__icon\">\n                              <svg width=\"48\" height=\"48\" viewbox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                  <rect width=\"48\" height=\"48\" rx=\"5\" fill=\"#126F97\"\/>\n                  <path d=\"M36 14H12C11.7348 14 11.4804 14.1054 11.2929 14.2929C11.1054 14.4804 11 14.7348 11 15V32C11 32.5304 11.2107 33.0391 11.5858 33.4142C11.9609 33.7893 12.4696 34 13 34H35C35.5304 34 36.0391 33.7893 36.4142 33.4142C36.7893 33.0391 37 32.5304 37 32V15C37 14.7348 36.8946 14.4804 36.7071 14.2929C36.5196 14.1054 36.2652 14 36 14ZM33.4287 16L24 24.6437L14.5712 16H33.4287ZM35 32H13V17.2738L23.3237 26.7375C23.5082 26.9069 23.7496 27.0008 24 27.0008C24.2504 27.0008 24.4918 26.9069 24.6763 26.7375L35 17.2738V32Z\" fill=\"white\"\/>\n                <\/svg>\n                          <\/span>\n\n            <span class=\"cq__texts\">\n              <span class=\"cq__title\">Wy\u015blij e-mail<\/span>\n                              <span class=\"cq__sub\">info@domek.nl<\/span>\n                          <\/span>\n          <\/a>\n              <\/div>\n      <\/div>\n  <\/section>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potrzebujesz pomocy? Skontaktuj si\u0119 z nami przez email lub zadzwo\u0144 \u2014 nasz zesp\u00f3\u0142 jest do Twojej dyspozycji na ka\u017cdym etapie.<\/p>\n","protected":false},"author":15,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Najcz\u0119\u015bciej zadawane pytania (FAQ) | Domek.nl","_seopress_titles_desc":"Masz pytania dotycz\u0105ce zakupu, sprzeda\u017cy, kredyt\u00f3w hipotecznych lub po\u017cyczek w Holandii? Znajd\u017a jasne i praktyczne odpowiedzi w jednym miejscu \u2014 bez skomplikowanych termin\u00f3w, tylko realne wskaz\u00f3wki.","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"class_list":["post-21337","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/21337","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/comments?post=21337"}],"version-history":[{"count":1,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/21337\/revisions"}],"predecessor-version":[{"id":21339,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/21337\/revisions\/21339"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/media?parent=21337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}