{"id":9182,"date":"2026-04-22T13:22:05","date_gmt":"2026-04-22T13:22:05","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/buy-house-zzp\/"},"modified":"2026-04-22T14:07:50","modified_gmt":"2026-04-22T14:07:50","slug":"kup-dom-zzp","status":"publish","type":"page","link":"https:\/\/domek-nl.bearwithus.nl\/pl\/kup-dom-zzp\/","title":{"rendered":"Buy house ZZP PL"},"content":{"rendered":"<section  class=\"block-hero alignfull image-under-mobile hide-image-mobile append-image-above-footer-mobile\" data-mobile-breakpoint=\"981\">\n  <div class=\"inner\">\n\t\t<div  class=\"block-hero-image \">\n\t<div class=\"hero-image__inner\">\n\t\t<div class=\"hero-image\">\n\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\t<\/div>\n<\/section>\n\n\n\n\n\n<section  class=\"block-hero alignfull image-overlap\" data-mobile-breakpoint=\"981\">\n  <div class=\"inner\">\n\t\t\n<div  class=\"block-hero-content alignfull\"> \n  <div class=\"inner\">\n    \n<p class=\"has-secondary-color has-medium-large-font-size\">Kompleksowa us\u0142uga mieszkaniowa i hipoteczna<\/p>\n\n<h1 class=\"wp-block-heading\">Kup dom jako samozatrudniony (ZZP) w Holandii<\/h1>\n\n<p class=\"hide-on-mobile\">Samozatrudniony i chcesz kupi\u0107 dom w Holandii? Nawet z jednoroczn\u0105 firm\u0105 mo\u017cesz ubiega\u0107 si\u0119 o kredyt hipoteczny. Wiemy, kt\u00f3rzy po\u017cyczkodawcy pracuj\u0105 z ZZP i jak przedstawi\u0107 swoje finanse.<\/p>\n<section  class=\"block-hypotheek-quickcalc \">\n    <form class=\"hypo-form\" action=\"\/calculator\/\"\n        method=\"get\"\n        data-method=\"GET\"\n        data-param-name=\"income\"\n        data-target=\"0\"  >\n    <div class=\"hypo-card\" data-currency-prefix=\"\u20ac\">\n      <h3 class=\"hypo-card__title\">Oblicz maksymaln\u0105 kwot\u0119 kredytu hipotecznego<\/h3>\n      <p class=\"hypo-card__subtitle\">Podaj swoje miesi\u0119czne dochody<\/p>\n\n      <div class=\"hypo-card__controls\">\n        <input class=\"hypo-card__input\"\n               type=\"text\"\n               inputmode=\"decimal\"\n               placeholder=\"np. \u20ac2.500\"\n               autocomplete=\"off\" \/>\n        <button class=\"hypo-card__button\" type=\"submit\">\n          Oblicz\n        <\/button>\n      <\/div>\n    <\/div>\n    <input type=\"hidden\" name=\"income\" class=\"hypo-hidden\">\n  <\/form>\n  <script>\n    document.addEventListener('DOMContentLoaded', function () {\n    const form = document.querySelector('.block-hypotheek-quickcalc form.hypo-form');\n    if (! form) \n    return;\n\n\n    const visible = form.querySelector('.hypo-card__input');\n    const hidden = form.querySelector('.hypo-hidden');\n\n    if (! visible || ! hidden) \n    return;\n\n\n    \/\/ Update hidden field live\n    visible.addEventListener('input', () => {\n    hidden.value = visible.value;\n    });\n\n    \/\/ Ensure latest value is applied on submit\n    form.addEventListener('submit', () => {\n    hidden.value = visible.value;\n    });\n    });\n  <\/script>\n\n<\/section>\n\n  <\/div>\n<\/div>\n\n<div  class=\"block-hero-image \">\n\t<div class=\"hero-image__inner\">\n\t\t<div class=\"hero-image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/10\/slide22-1660x1365.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1660px; --smush-placeholder-aspect-ratio: 1660\/1365;\" \/>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"hero-image__review\" itemscope itemtype=\"https:\/\/schema.org\/AggregateRating\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.google.nl\/maps\/place\/Domek.nl\/@51.7007826,5.3124697,14z\/data=!4m8!3m7!1s0x47c6ee25655b9ae3:0xb28e31d2fbd4a21f!8m2!3d51.723546!4d5.3162234!9m1!1b1!16s%2Fg%2F11b6gn22_c?entry=ttu\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"g-badge\">\n\t\t\t\t\t\t\t<div class=\"g-logo\" aria-hidden=\"true\">\n                <svg width=\"41\" height=\"41\" viewBox=\"0 0 41 41\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                  <path d=\"M13.7923 1.12373C9.64757 2.56157 6.07316 5.29065 3.5941 8.9101C1.11503 12.5295 -0.138015 16.8486 0.0190052 21.2328C0.176025 25.6171 1.73484 29.8354 4.46648 33.2682C7.19812 36.7011 10.9586 39.1674 15.1956 40.3051C18.6306 41.1914 22.2294 41.2304 25.6828 40.4185C28.8112 39.7158 31.7035 38.2127 34.0765 36.0564C36.5463 33.7436 38.3389 30.8014 39.2618 27.546C40.2646 24.0059 40.4431 20.2832 39.7836 16.6634H20.4943V24.665H31.6654C31.4421 25.9411 30.9637 27.1592 30.2587 28.2461C29.5537 29.3331 28.6367 30.2667 27.5625 30.991C26.1986 31.8937 24.6608 32.5009 23.048 32.7735C21.4307 33.0743 19.7718 33.0743 18.1544 32.7735C16.5151 32.4349 14.9643 31.7583 13.6011 30.7868C11.4108 29.2364 9.76617 27.0337 8.90192 24.4932C8.0233 21.905 8.0233 19.0992 8.90192 16.5111C9.51711 14.6969 10.5341 13.0452 11.877 11.679C13.4137 10.087 15.3593 8.94897 17.5003 8.38986C19.6412 7.83076 21.8948 7.87216 24.0138 8.50953C25.6692 9.01744 27.183 9.90527 28.4343 11.1022C29.6939 9.84906 30.9513 8.59271 32.2066 7.33311C32.8547 6.65579 33.5612 6.01086 34.1997 5.31733C32.2893 3.53981 30.0471 2.15659 27.6014 1.24688C23.1476 -0.370318 18.2743 -0.413778 13.7923 1.12373Z\" fill=\"white\"\/>\n                  <path d=\"M13.7974 1.12384C18.279 -0.414713 23.1522 -0.372396 27.6064 1.24375C30.0526 2.15964 32.2938 3.54952 34.2015 5.33365C33.5533 6.02718 32.8695 6.67534 32.2084 7.34943C30.951 8.6047 29.6946 9.85565 28.4393 11.1023C27.188 9.90538 25.6743 9.01755 24.0189 8.50964C21.9006 7.87003 19.6471 7.82624 17.5056 8.38306C15.364 8.93988 13.4173 10.0758 11.8788 11.6662C10.5359 13.0323 9.51893 14.6841 8.90374 16.4982L2.18555 11.2967C4.59025 6.52808 8.75385 2.88043 13.7974 1.12384Z\" fill=\"#D50909\"\/>\n                  <path d=\"M0.401851 16.4498C0.762681 14.6601 1.36219 12.927 2.18429 11.2969L8.90249 16.5113C8.02387 19.0995 8.02387 21.9053 8.90249 24.4934C6.66417 26.2219 4.42477 27.9589 2.18429 29.7047C0.12687 25.6093 -0.500608 20.9431 0.401851 16.4498Z\" fill=\"#F8BD00\"\/>\n                  <path d=\"M20.4975 16.6597H39.7868C40.4463 20.2795 40.2678 24.0022 39.2651 27.5423C38.3422 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   <div class=\"g-score\">\n                      <span itemprop=\"ratingValue\">\n                        4.7\n                      <\/span>\n                    <\/div>\n                    <meta itemprop=\"bestRating\" content=\"5\"\/>\n                    <span class=\"g-stars\" aria-hidden=\"true\">\n                                                                                                <span class=\"star star--full\">\n                            <svg width=\"20\" height=\"19\" viewBox=\"0 0 20 19\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                              <path d=\"M3.825 19L5.45 11.975L0 7.25L7.2 6.625L10 0L12.8 6.625L20 7.25L14.55 11.975L16.175 19L10 15.275L3.825 19Z\" fill=\"#FFC136\"\/>\n                              <path d=\"M12.7998 6.625L20 7.25L14.5498 11.9746L16.1748 19L10 15.2754V0L12.7998 6.625Z\" fill=\"#FFC136\"\/>\n                            <\/svg>\n                          <\/span>\n                                         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                                                                                                         <span class=\"star star--half\"> \n                            <svg width=\"20\" height=\"19\" viewBox=\"0 0 20 19\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                                <path d=\"M3.825 19L5.45 11.975L0 7.25L7.2 6.625L10 0L12.8 6.625L20 7.25L14.55 11.975L16.175 19L10 15.275L3.825 19Z\" fill=\"#FFC136\"\/>\n                                <path d=\"M12.7998 6.625L20 7.25L14.5498 11.9746L16.1748 19L10 15.2754V0L12.7998 6.625Z\" fill=\"#FFC136\"\/>\n                              <\/svg>\n                          <\/span>\n                                                                  <\/span>\n                                  <\/div>\n              <\/div>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\t<\/div>\n<\/section>\n\n\n\n\n\n<section  class=\"block-cta-buttons d alignfull\">\n\t<div class=\"inner\">\n\t\t\t<div class=\"title\">\n\t\t<h2>Pomo\u017cemy Ci:<\/h2>\n\t<\/div>\n\n\t\t<div class=\"content content--count-3\">\n\t\t\t\t\t\n\n\t\t\t<div  class='block-cta-button'>\n\t\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/10\/icon.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">Znajd\u017a dom jako ZZP<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Tw\u00f3j przewodnik w poszukiwaniach<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\t<div  class='block-cta-button'>\n\t\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/domek-koop-huis.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">Kup jako ZZP<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Oblicz maksymaln\u0105 kwot\u0119 kredytu<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\t<a href=\"www.polisa.nl\/en\"  class='block-cta-button' target='_blank' rel='noopener'>\n\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/domek-verzekeringen.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">Wybierz ubezpieczenie<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Zadbaj o sw\u00f3j spok\u00f3j ducha<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n              <div class=\"icon\">\n                      <svg width=\"31\" height=\"32\" viewbox=\"0 0 31 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n              <path d=\"M28 13C28 13.2652 27.8946 13.5196 27.7071 13.7071C27.5196 13.8946 27.2652 14 27 14C26.7348 14 26.4804 13.8946 26.2929 13.7071C26.1054 13.5196 26 13.2652 26 13V7.415L17.7087 15.7075C17.5211 15.8951 17.2666 16.0006 17.0012 16.0006C16.7359 16.0006 16.4814 15.8951 16.2938 15.7075C16.1061 15.5199 16.0007 15.2654 16.0007 15C16.0007 14.7346 16.1061 14.4801 16.2938 14.2925L24.585 6H19C18.7348 6 18.4804 5.89464 18.2929 5.70711C18.1054 5.51957 18 5.26522 18 5C18 4.73478 18.1054 4.48043 18.2929 4.29289C18.4804 4.10536 18.7348 4 19 4H27C27.2652 4 27.5196 4.10536 27.7071 4.29289C27.8946 4.48043 28 4.73478 28 5V13ZM23 16C22.7348 16 22.4804 16.1054 22.2929 16.2929C22.1054 16.4804 22 16.7348 22 17V26H6V10H15C15.2652 10 15.5196 9.89464 15.7071 9.70711C15.8946 9.51957 16 9.26522 16 9C16 8.73478 15.8946 8.48043 15.7071 8.29289C15.5196 8.10536 15.2652 8 15 8H6C5.46957 8 4.96086 8.21071 4.58579 8.58579C4.21071 8.96086 4 9.46957 4 10V26C4 26.5304 4.21071 27.0391 4.58579 27.4142C4.96086 27.7893 5.46957 28 6 28H22C22.5304 28 23.0391 27.7893 23.4142 27.4142C23.7893 27.0391 24 26.5304 24 26V17C24 16.7348 23.8946 16.4804 23.7071 16.2929C23.5196 16.1054 23.2652 16 23 16Z\" fill=\"black\"\/>\n            <\/svg>\n                  <\/div>\n      \t\t<\/div>\n\n\t\t\t\t<\/a>\n\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"block_54eeb2f7960f914d1ce0b04d488a8d0c\" class=\"card-media wp-block-theme-video-text  alignwide \">\n    <div class=\"card-media__media videos-carousel \">\n        <div class=\"videos-carousel\">\n                                                                    \n<div class=\"tease-video\">\n    <figure class=\"tease-video__thumb\">\n        <img alt=\"\" decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-768x512.jpg\" alt=\"\" width=\"546\"\n                                    class=\"wp-image-2708 lazyload\" data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-scaled.jpg 2560w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-300x200.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1024x683.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-768x512.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1536x1024.jpg 1536w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-2048x1365.jpg 2048w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-618x412.jpg 618w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1660x1107.jpg 1660w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-690x460.jpg 690w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/512;\">\n                        <a class=\"tease-video__play-btn\" href=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/04\/redpandacompress_Welcome-Home-with-Domek_EN_16x9_NEW-Vicente-B.mp4\"\n           data-bs-target=\"#modalVid\"\n           data-bs-toggle=\"modal\" data-video='{\"src\":\"https:\\\/\\\/domek-nl.bearwithus.nl\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/redpandacompress_Welcome-Home-with-Domek_EN_16x9_NEW-Vicente-B.mp4\"}'>\n           Poznaj nas\n            <svg width=\"43\" height=\"43\" viewbox=\"0 0 43 43\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n              <rect width=\"43\" height=\"43\" rx=\"4\" fill=\"#009DE0\"\/>\n              <path d=\"M19.5 14.7573L28.2427 21.5L19.5 28.2427L19.5 14.7573Z\" fill=\"white\"\/>\n            <\/svg>\n\n\n        <\/a>\n    <\/figure>\n            <p class=\"tease-video__title\">Placeholder<\/p>\n    <\/div>                                    <\/div>\n    <\/div>\n\n            <div class=\"card-media__body\">\n            \n\n<h2 class=\"wp-block-heading\">Czy ZZP mo\u017ce dosta\u0107 kredyt hipoteczny w Holandii?<\/h2>\n\n\n\n<p>Tak i pomogli\u015bmy setkom samozatrudnionych obcokrajowc\u00f3w. Kluczem jest wiedza o tym, kt\u00f3rzy po\u017cyczkodawcy s\u0105 otwarci na wnioski ZZP i jak poprawnie przedstawi\u0107 swoje dochody. Nasi doradcy przeprowadzaj\u0105 przez ka\u017cdy dokument i krok.<\/p>\n\n\n\n<p><strong><a href=\"#\">\u2192 Zaplanuj bezp\u0142atn\u0105 konsultacj\u0119<\/a><\/strong><\/p>\n\n\n        <\/div>\n    <\/section>\n\n\n\t<section  class=\"wp-block-domek-search-house alignfull\"> <div class=\"inner\">\n\t\t<div class=\"form\">\n\t\t\t<form action=\"\" method=\"get\">\n\t\t\t\t<div class=\"title\">Znajdziemy Tw\u00f3j dom w Holandii<\/div>\n\t\t\t\t<div class=\"text\">Wybierz lokalizacj\u0119:<\/div>\n\t\t\t\t<div class=\"input\">\n\t\t\t\t\t<input type=\"text\" name=\"location\" placeholder=\"np.&#x20;Amsterdam,&#x20;Rotterdam...\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"button\">\n\t\t\t\t\t<button type=\"submit\">Szukaj mojego domu<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/form>\n\t\t<\/div>\n\n\t\t<div class=\"galleries\">\n\n            <div class=\"gallery gallery--1\" data-direction=\"up\" data-speed=\"20\">\n                  <div class=\"gallery__track\">\n                           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src=\"https&#x3A;&#x2F;&#x2F;domek-nl.bearwithus.nl&#x2F;wp-content&#x2F;uploads&#x2F;2025&#x2F;10&#x2F;slide23-618x412.png\" alt=\"\">\n                <\/div>\n                                                                                                  <div class=\"image\">\n                  <img decoding=\"async\" src=\"https&#x3A;&#x2F;&#x2F;domek-nl.bearwithus.nl&#x2F;wp-content&#x2F;uploads&#x2F;2025&#x2F;10&#x2F;slide3-618x412.png\" alt=\"\">\n                <\/div>\n                                                                                                  <div class=\"image\">\n                  <img decoding=\"async\" src=\"https&#x3A;&#x2F;&#x2F;domek-nl.bearwithus.nl&#x2F;wp-content&#x2F;uploads&#x2F;2025&#x2F;10&#x2F;slide2-618x412.png\" alt=\"\">\n                <\/div>\n                                                                                                  <div class=\"image\">\n                  <img decoding=\"async\" src=\"https&#x3A;&#x2F;&#x2F;domek-nl.bearwithus.nl&#x2F;wp-content&#x2F;uploads&#x2F;2025&#x2F;10&#x2F;slide1-618x412.png\" alt=\"\">\n                <\/div>\n                                    <\/div>\n              <\/div>\n\n\n\t\t<\/div>\n\t<\/div>\n\n<\/section>\n\n\n\n\n<div  class=\"card-media  alignwide has-media-on-the-right\">\n    <figure class=\"card-media__media\">\n                                    <img alt=\"\" decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-768x512.jpg\" alt=\"\" width=\"530\" class=\"wp-image-6339 lazyload\" data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-768x512.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-300x200.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1024x683.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1536x1024.jpg 1536w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-2048x1365.jpg 2048w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-618x412.jpg 618w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-1660x1107.jpg 1660w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-13-4-690x460.jpg 690w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/512;\" \/>\n\n            <\/figure>\n    <div class=\"card-media__body\">\n        \n<h2 class=\"wp-block-heading\">ZZP i kredyt hipoteczny \u2014 to mo\u017cliwe<\/h2>\n\n<p>Wiele bank\u00f3w jest ostro\u017cnych wobec samozatrudnionych \u2014 ale nie wszystkie. Dok\u0142adnie wiemy, kt\u00f3rzy po\u017cyczkodawcy s\u0105 otwarci na kredyty ZZP, nawet je\u015bli firma ma tylko rok. Pomagamy zebra\u0107 w\u0142a\u015bciwe dokumenty (roczne sprawozdania, IB aangifte, KvK) i przedstawi\u0107 dochody w jak najlepszy spos\u00f3b.<\/p>\n\n<p><a href=\"#\">Wi\u0119cej o nas<\/a><\/p>\n\n    <\/div>\n<\/div>\n\n\n\n<section id=\"block_98964d7e926b7788554b9c2f09c1b1c7\" class=\"block-reviews  alignfull\">\n    <div class=\"block-reviews__inner\">\n        <div class=\"block-reviews__content\">\n\n<h2 class=\"wp-block-heading\">Zaufa\u0142o nam ju\u017c ponad&nbsp;<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">+15.000<\/mark>&nbsp;klient\u00f3w<\/h2>\n\n<\/div>\n                                                <a href=\"https:\/\/www.google.nl\/maps\/place\/Domek.nl\/@51.7007826,5.3124697,14z\/data=!4m8!3m7!1s0x47c6ee25655b9ae3:0xb28e31d2fbd4a21f!8m2!3d51.723546!4d5.3162234!9m1!1b1!16s%2Fg%2F11b6gn22_c?entry=ttu\" target=\"_blank\" rel=\"nofollow\" class=\"block-reviews__rating\">                <svg width=\"22\" height=\"22\">\n                    <use href=\"#icon-google-logo\"\/>\n                <\/svg>\n                <div class=\"rating-stars\">\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-half\"\/>\n        <\/svg>\n    <\/div>                <span>4,7 na 1413 recenzji w Google<\/span>\n            <\/a>\n                            <div class=\"block-reviews__slider\">\n            \n<div class=\"splide js-carousel \" aria-label=\"Blog\"\n     data-splide='{\"gap\":15,\"perPage\":3,\"drag\":false,\"arrows\":false,\"padding\":50,\"breakpoints\":{\"900\":{\"perPage\":2,\"fixedWidth\":350,\"drag\":true},\"700\":{\"perPage\":1},\"400\":{\"fixedWidth\":330}}}'>\n    <div class=\"splide__wrap\">\n        <div class=\"splide__track\">\n            <ul class=\"splide__list\">\n                                    <li class=\"splide__slide\">\n                                                    <div class=\"review\" id=\"review-8036\">\n    <div class=\"review__body\">\n        <div class=\"review__inner collapse\" id=\"review-body-8036\" data-collapse-height=\"6.5em\">\n            <div>\n                Thank you very much for your professional assistance and personalized service. The right people in the right positions. \n            <\/div>\n        <\/div>\n    <\/div>\n    <button class=\"review__toggle\" type=\"button\" data-bs-toggle=\"collapse\"\n            data-bs-target=\"#review-body-8036\"\n            aria-controls=\"review-body-8036\">\n        <span>Lees verder<\/span>\n        <svg width=\"14\" height=\"8\">\n            <use href=\"#icon-chevron\"><\/use>\n        <\/svg>\n    <\/button>\n    <div class=\"rating-stars\">\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n    <\/div>    <div class=\"review__name\">Laura Kopec<\/div>\n<\/div>                                            <\/li>\n                                    <li class=\"splide__slide\">\n                                                    <div class=\"review\" id=\"review-8035\">\n    <div class=\"review__body\">\n        <div class=\"review__inner collapse\" id=\"review-body-8035\" data-collapse-height=\"6.5em\">\n            <div>\n                Profesjonalne i indywidualne podej\u015bcie do klienta. Rzetelna pomoc na ka\u017cdym etapie zakupu nieruchomo\u015bci \ud83d\ude0a \n            <\/div>\n        <\/div>\n    <\/div>\n    <button class=\"review__toggle\" type=\"button\" data-bs-toggle=\"collapse\"\n            data-bs-target=\"#review-body-8035\"\n            aria-controls=\"review-body-8035\">\n        <span>Lees verder<\/span>\n        <svg width=\"14\" height=\"8\">\n            <use href=\"#icon-chevron\"><\/use>\n        <\/svg>\n    <\/button>\n    <div class=\"rating-stars\">\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n    <\/div>    <div class=\"review__name\">Daniel Napiorkowski<\/div>\n<\/div>                                            <\/li>\n                                    <li class=\"splide__slide\">\n                                                    <div class=\"review\" id=\"review-8037\">\n    <div class=\"review__body\">\n        <div class=\"review__inner collapse\" id=\"review-body-8037\" data-collapse-height=\"6.5em\">\n            <div>\n                Z czystym sumieniem polecam! Bardzo dobry kontakt z biurem, wszystko bardzo dok\u0142adnie wyja\u015bnione oraz przemi\u0142e Panie, kt\u00f3re zawsze s\u0142u\u017cy\u0142y pomoc\u0105 \ud83d\ude0a \n            <\/div>\n        <\/div>\n    <\/div>\n    <button class=\"review__toggle\" type=\"button\" data-bs-toggle=\"collapse\"\n            data-bs-target=\"#review-body-8037\"\n            aria-controls=\"review-body-8037\">\n        <span>Lees verder<\/span>\n        <svg width=\"14\" height=\"8\">\n            <use href=\"#icon-chevron\"><\/use>\n        <\/svg>\n    <\/button>\n    <div class=\"rating-stars\">\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n                                \n        <svg width=\"21\" height=\"20\">\n            <use href=\"#icon-star-fill\"\/>\n        <\/svg>\n    <\/div>    <div class=\"review__name\">Sara Kowalczuk<\/div>\n<\/div>                                            <\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n            <div class=\"splide__arrows\">\n    <button class=\"splide__arrow splide__arrow--prev\">\n      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"21\" height=\"20\" viewBox=\"0 0 21 20\" fill=\"none\">\n        <path d=\"M20.2441 9.59693H1.03484M1.03484 9.59693L9.6511 0.516357M1.03484 9.59693L9.6511 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n    <button class=\"splide__arrow splide__arrow--next\">\n      <svg width=\"21\" height=\"20\" viewbox=\"0 0 21 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M0 9.59693H19.2093M19.2093 9.59693L10.593 0.516357M19.2093 9.59693L10.593 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n<\/div>    <\/div>        <\/div>\n    <\/div>\n<\/section>\n\n\n<div  class=\"card-media  alignwide\">\n    <figure class=\"card-media__media\">\n                    \n<div class=\"splide js-carousel \" aria-label=\"Blog\"\n     data-splide='{\"gap\":0,\"perPage\":1,\"drag\":true,\"arrows\":false,\"padding\":20,\"breakpoints\":[],\"pagination\":true}'>\n    <div class=\"splide__wrap\">\n        <div class=\"splide__track\">\n            <ul class=\"splide__list\">\n                                    <li class=\"splide__slide\">\n                                                                    <img alt=\"\" decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-768x512.jpg\" alt=\"\" width=\"530\" class=\"wp-image-6322 lazyload\" data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-768x512.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-300x200.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-1024x683.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-1536x1024.jpg 1536w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-2048x1365.jpg 2048w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-618x412.jpg 618w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-1660x1107.jpg 1660w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-8-2-690x460.jpg 690w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/512;\" \/>\n\n                                    <\/li>\n                                    <li class=\"splide__slide\">\n                                                                    <img alt=\"\" decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-768x512.jpg\" alt=\"\" width=\"530\" class=\"wp-image-6324 lazyload\" data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-768x512.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-300x200.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-1024x683.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-1536x1024.jpg 1536w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-1-12-2-2048x1365.jpg 2048w, 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data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-768x512.jpg\" alt=\"\" width=\"530\" class=\"wp-image-6306 lazyload\" data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-768x512.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-300x200.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-1024x683.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-1536x1024.jpg 1536w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-12-09-2022-Epsilon-Studios-Ektor-Tsolodimos-19-1-2048x1365.jpg 2048w, 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https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-2-2-618x412.jpg 618w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-2-2-1660x1107.jpg 1660w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/11\/Domek-14-09-2022-Epsilon-Studios-Ektor-Tsolodimos-Deel-2-2-2-690x460.jpg 690w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/512;\" \/>\n\n                                    <\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n            <div class=\"splide__arrows\">\n    <button class=\"splide__arrow splide__arrow--prev\">\n      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"21\" height=\"20\" viewBox=\"0 0 21 20\" fill=\"none\">\n        <path d=\"M20.2441 9.59693H1.03484M1.03484 9.59693L9.6511 0.516357M1.03484 9.59693L9.6511 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n    <button class=\"splide__arrow splide__arrow--next\">\n      <svg width=\"21\" height=\"20\" viewbox=\"0 0 21 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M0 9.59693H19.2093M19.2093 9.59693L10.593 0.516357M19.2093 9.59693L10.593 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n<\/div>    <\/div>            <\/figure>\n    <div class=\"card-media__body\">\n        \n<h2 class=\"wp-block-heading\">Dlaczego warto wybra\u0107 Domek<\/h2>\n\t\t\n\n\t\t\t<div  class='block-cta-button'>\n\t\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/10\/icon2.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">M\u00f3wimy w Twoim j\u0119zyku<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Oferujemy osobiste wsparcie w ponad 12 j\u0119zykach.<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\t<div  class='block-cta-button'>\n\t\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/10\/icon2.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">Od 2005 roku<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Od wielu lat wspieramy obcokrajowc\u00f3w przy zakupie i finansowaniu nieruchomo\u015bci w Holandii i Belgii.<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\t<div  class='block-cta-button'>\n\t\t\n\t\t<div class=\"inner\">\n\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2025\/10\/icon2.svg\" alt=\"\" srcset=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t<div class=\"title\">Niezale\u017cny doradca hipoteczny<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"text\">Por\u00f3wnujemy oferty wielu bank\u00f3w, aby znale\u017a\u0107 najlepsze rozwi\u0105zanie.<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<\/div>\n\n\n    <\/div>\n<\/div>\n\n<section id=\"block_fd3b18997064c8a78245805d25c9346e\" class=\"alignfull blog-carousel  alignfull\">\n\t<style>\n\t\t.blog-carousel__content {\n\t\t\tdisplay: flex;\n\t\t\talign-items: flex-start;\n\t\t\tjustify-content: space-between;\n\t\t\tgap: 16px;\n\t\t}\n\t\t.blog-carousel__all {\n\t\t\tfont-size: 14px;\n\t\t\ttext-decoration: underline;\n\t\t\tcolor: #04506F;\n\t\t\twhite-space: nowrap;\n\t\t}\n\t<\/style>\n\n\t<div class=\"blog-carousel__inner\">\n\t\t<div class=\"blog-carousel__content\">\n\t\t\t\t\t\t\t\n\n<h2 class=\"wp-block-heading\">Aktualno\u015bci o kredytach hipotecznych<\/h2>\n\n\n\t\t\t\n      <a class=\"blog-carousel__all\" href=\"\/actueel\/\" target=\"_self\">\n        View all articles\n      <\/a>\n\n\t\t<\/div>\n\n\t\t<div class=\"blog-carousel__slider\">\n\t\t\t\n<div class=\"splide js-carousel \" aria-label=\"Blog\"\n     data-splide='{\"gap\":20,\"perPage\":3,\"drag\":false,\"arrows\":false,\"padding\":50,\"breakpoints\":{\"990\":{\"perPage\":1,\"fixedWidth\":340,\"drag\":1},\"700\":{\"gap\":15},\"440\":{\"fixedWidth\":300}}}'>\n    <div class=\"splide__wrap\">\n        <div class=\"splide__track\">\n            <ul class=\"splide__list\">\n                                    <li class=\"splide__slide\">\n                                                    <article class=\"tease tease-blog\" id=\"tease-18289\">\n    <a href=\"https:\/\/domek-nl.bearwithus.nl\/pl\/aktualnosci\/oswiadczenie-o-perspektywach-pracy-kupno-domu-w-holandii\/\">\n                                    <figure class=\"tease__thumb\">\n                    <img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/perspectiefverklaring-buying-a-home-without-permanent-contract-366x234.jpg.webp\" alt=\"Two middle-aged women working through an employment agency standing in front of a Dutch home with mortgage documents in the Netherlands\"\n                         data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/perspectiefverklaring-buying-a-home-without-permanent-contract-366x234.jpg.webp 1x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/perspectiefverklaring-buying-a-home-without-permanent-contract-549x351.jpg.webp 1.5x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/perspectiefverklaring-buying-a-home-without-permanent-contract-732x468.jpg.webp 2x\"\n                         width=\"366\" class=\"wp-image-18288 lazyload\"\n src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 366px; --smush-placeholder-aspect-ratio: 366\/234;\" \/>\n                <\/figure>\n                        <div class=\"tease__body\">\n                <h3 class=\"tease__title\">Perspectiefverklaring w Holandii \u2013 kupno domu bez sta\u0142ego kontraktu<\/h3>\n                <p class=\"tease__excerpt\">Pracujesz przez agencj\u0119 pracy i nie masz sta\u0142ego kontraktu? Wiele os\u00f3b my\u015bli, \u017ce oznacza to brak mo\u017cliwo\u015bci zakupu domu&hellip;<\/p>\n                <span class=\"tease__link\">Lees verder\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\n    <path d=\"M0.969727 6.75024H11.9697M11.9697 6.75024L7.03572 1.25024M11.9697 6.75024L7.03572 12.2502\"\n          stroke=\"currentColor\" stroke-width=\"1.5\"\/>\n<\/svg>                <\/span>\n            <\/div>\n            <\/a>\n<\/article>                                            <\/li>\n                                    <li class=\"splide__slide\">\n                                                    <article class=\"tease tease-blog\" id=\"tease-18275\">\n    <a href=\"https:\/\/domek-nl.bearwithus.nl\/pl\/aktualnosci\/sprzedaz-domu-z-kredytem-holandia\/\">\n                                    <figure class=\"tease__thumb\">\n                    <img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/selling-house-with-mortgage-netherlands-1-366x234.jpg.webp\" alt=\"Family standing in front of a sold Dutch house with a Domek SOLD sign\"\n                         data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/selling-house-with-mortgage-netherlands-1-366x234.jpg.webp 1x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/selling-house-with-mortgage-netherlands-1-549x351.jpg.webp 1.5x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/selling-house-with-mortgage-netherlands-1-732x468.jpg.webp 2x\"\n                         width=\"366\" class=\"wp-image-18280 lazyload\"\n src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 366px; --smush-placeholder-aspect-ratio: 366\/234;\" \/>\n                <\/figure>\n                        <div class=\"tease__body\">\n                <h3 class=\"tease__title\">Sprzeda\u017c domu z kredytem w Holandii \u2013 jak to wygl\u0105da w praktyce?<\/h3>\n                <p class=\"tease__excerpt\">Wiele os\u00f3b my\u015bli, \u017ce domu z aktywn\u0105 hipotek\u0105 nie mo\u017cna po prostu sprzeda\u0107. Na szcz\u0119\u015bcie w Holandii wygl\u0105da to&hellip;<\/p>\n                <span class=\"tease__link\">Lees verder\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\n    <path d=\"M0.969727 6.75024H11.9697M11.9697 6.75024L7.03572 1.25024M11.9697 6.75024L7.03572 12.2502\"\n          stroke=\"currentColor\" stroke-width=\"1.5\"\/>\n<\/svg>                <\/span>\n            <\/div>\n            <\/a>\n<\/article>                                            <\/li>\n                                    <li class=\"splide__slide\">\n                                                    <article class=\"tease tease-blog\" id=\"tease-18062\">\n    <a href=\"https:\/\/domek-nl.bearwithus.nl\/pl\/aktualnosci\/finansowanie-wymiany-dachu-holandia\/\">\n                                    <figure class=\"tease__thumb\">\n                    <img decoding=\"async\" data-src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/roof-replacement-financing-netherlands-366x234.jpg.webp\" alt=\"Workers replacing the roof of a typical Dutch house during a roof renovation project\"\n                         data-srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/roof-replacement-financing-netherlands-366x234.jpg.webp 1x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/roof-replacement-financing-netherlands-549x351.jpg.webp 1.5x, https:\/\/domek-nl.bearwithus.nl\/wp-content\/smush-webp\/2026\/05\/roof-replacement-financing-netherlands-732x468.jpg.webp 2x\"\n                         width=\"366\" class=\"wp-image-18061 lazyload\"\n src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 366px; --smush-placeholder-aspect-ratio: 366\/234;\" \/>\n                <\/figure>\n                        <div class=\"tease__body\">\n                <h3 class=\"tease__title\">Finansowanie wymiany dachu w Holandii \u2013 co zrobi\u0107, gdy remont jest potrzebny, ale koszt wysoki?<\/h3>\n                <p class=\"tease__excerpt\">Dach to jedna z tych rzeczy, o kt\u00f3rych wi\u0119kszo\u015b\u0107 os\u00f3b nie my\u015bli do momentu, a\u017c zacznie pojawia\u0107 si\u0119 problem.<\/p>\n                <span class=\"tease__link\">Lees verder\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\n    <path d=\"M0.969727 6.75024H11.9697M11.9697 6.75024L7.03572 1.25024M11.9697 6.75024L7.03572 12.2502\"\n          stroke=\"currentColor\" stroke-width=\"1.5\"\/>\n<\/svg>                <\/span>\n            <\/div>\n            <\/a>\n<\/article>                                            <\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n            <div class=\"splide__arrows\">\n    <button class=\"splide__arrow splide__arrow--prev\">\n      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"21\" height=\"20\" viewBox=\"0 0 21 20\" fill=\"none\">\n        <path d=\"M20.2441 9.59693H1.03484M1.03484 9.59693L9.6511 0.516357M1.03484 9.59693L9.6511 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n    <button class=\"splide__arrow splide__arrow--next\">\n      <svg width=\"21\" height=\"20\" viewbox=\"0 0 21 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M0 9.59693H19.2093M19.2093 9.59693L10.593 0.516357M19.2093 9.59693L10.593 18.6775\" stroke=\"#0A2C45\" stroke-width=\"1.5\"\/>\n      <\/svg>\n    <\/button>\n<\/div>    <\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n\n<div class=\"wp-block-group alignwide with-margin-bottom 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: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\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-icon has-icon-external\"><a class=\"wp-block-button__link has-green-background-color has-background wp-element-button\" href=\"mailto:info@domek.nl\"><strong>Wy\u015blij email info@domek.nl<\/strong>\t<span class=\"wp-block-button__icon\">\n\t\t<svg width=\"28\" height=\"28\">\n\t\t\t<use href=\"#icon-external\"><\/use>\n\t\t<\/svg>\n\t<\/span>\n\n<\/a><\/div>\n\n\n\n\n<div class=\"wp-block-button has-icon has-icon-telephone\"><a class=\"wp-block-button__link has-dark-background-color has-background wp-element-button\" href=\"tel:+31881021500\"><strong>Zadzwo\u0144 +31881021500<\/strong>\t<span class=\"wp-block-button__icon\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" class=\"icon-telephone\">\n      <path d=\"M5.15312 0.768722C4.9125 0.187472 4.27812 -0.121903 3.67188 0.0437222L0.921875 0.793722C0.378125 0.943722 0 1.43747 0 1.99997C0 9.73122 6.26875 16 14 16C14.5625 16 15.0563 15.6218 15.2063 15.0781L15.9563 12.3281C16.1219 11.7218 15.8125 11.0875 15.2312 10.8468L12.2312 9.59685C11.7219 9.38435 11.1313 9.53122 10.7844 9.95935L9.52188 11.5C7.32188 10.4593 5.54063 8.6781 4.5 6.4781L6.04063 5.21872C6.46875 4.86872 6.61562 4.28122 6.40312 3.77185L5.15312 0.771847V0.768722Z\" fill=\"white\"\/>\n    <\/svg>\n\t<\/span>\n\n<\/a><\/div>\n\n<\/div>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><section id=\"block_e6ba66bbf8844cf179cd86bb65124069\" class=\"block-questions \">\n\t<div class=\"block-questions__inner\">\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_e6ba66bbf8844cf179cd86bb65124069-9224\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9224\"\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_e6ba66bbf8844cf179cd86bb65124069-9224\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9224\">\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_e6ba66bbf8844cf179cd86bb65124069-9223\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9223\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9223\">\n            <span class=\"accordion-item__header\">Czy potrzebuj\u0119 trzech lat historii dochod\u00f3w jako ZZP, 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_e6ba66bbf8844cf179cd86bb65124069-9223\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9223\">\n        <div class=\"accordion-item__body\">\n            <p>Nie zawsze. Niekt\u00f3re banki rozpatruj\u0105 wniosek ju\u017c od pierwszego roku dzia\u0142alno\u015bci, szczeg\u00f3lnie je\u015bli masz silne do\u015bwiadczenie zawodowe lub wcze\u015bniejsz\u0105 histori\u0119 pracy w tej samej bran\u017cy. Wiemy, kt\u00f3re banki s\u0105 elastyczne i jak przedstawi\u0107 Tw\u00f3j doch\u00f3d w najbardziej korzystny 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_e6ba66bbf8844cf179cd86bb65124069-9222\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9222\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9222\">\n            <span class=\"accordion-item__header\">Jakie dokumenty s\u0105 potrzebne jako ZZP do z\u0142o\u017cenia wniosku o 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_e6ba66bbf8844cf179cd86bb65124069-9222\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9222\">\n        <div class=\"accordion-item__body\">\n            <p>Zazwyczaj potrzebne b\u0119d\u0105 roczne sprawozdania finansowe (jaarrekeningen), deklaracje podatkowe (IB aangifte), rejestracja w KvK oraz aktualne wyci\u0105gi bankowe. Dok\u0142adne wymagania r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od banku. Dok\u0142adnie powiemy Ci, co przygotowa\u0107 przed pierwszym spotkaniem, aby unikn\u0105\u0107 op\u00f3\u017anie\u0144.<\/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_e6ba66bbf8844cf179cd86bb65124069-9221\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9221\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9221\">\n            <span class=\"accordion-item__header\">Jak obliczany jest m\u00f3j doch\u00f3d jako osoby samozatrudnionej?<\/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_e6ba66bbf8844cf179cd86bb65124069-9221\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9221\">\n        <div class=\"accordion-item__body\">\n            <p>Banki zazwyczaj obliczaj\u0105 \u015bredni doch\u00f3d z ostatnich jednego do trzech lat lub w niekt\u00f3rych przypadkach przyjmuj\u0105 najni\u017cszy rok jako podstaw\u0119. Pomagamy Ci przedstawi\u0107 profil dochod\u00f3w jak najdok\u0142adniej i najkorzystniej oraz wybieramy banki, kt\u00f3rych spos\u00f3b liczenia najlepiej pasuje do 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_e6ba66bbf8844cf179cd86bb65124069-9220\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9220\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9220\">\n            <span class=\"accordion-item__header\">Niedawno przeprowadzi\u0142em si\u0119 do Holandii i zacz\u0105\u0142em jako ZZP. Czy mog\u0119 ju\u017c kupi\u0107 nieruchomo\u015b\u0107?<\/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_e6ba66bbf8844cf179cd86bb65124069-9220\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9220\">\n        <div class=\"accordion-item__body\">\n            <p>To trudna, ale nie niemo\u017cliwa sytuacja. Zale\u017cy od poziomu dochod\u00f3w, wysoko\u015bci kredytu w stosunku do warto\u015bci nieruchomo\u015bci oraz banku, do kt\u00f3rego si\u0119 zg\u0142osimy. Dajemy Ci uczciw\u0105 ocen\u0119 i nie tracimy Twojego czasu, je\u015bli moment nie jest odpowiedni \u2014 ale cz\u0119sto mo\u017cliwo\u015bci jest wi\u0119cej, ni\u017c si\u0119 wydaje.<\/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_e6ba66bbf8844cf179cd86bb65124069-9219\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9219\"\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_e6ba66bbf8844cf179cd86bb65124069-9219\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9219\">\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_e6ba66bbf8844cf179cd86bb65124069-9218\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9218\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9218\">\n            <span class=\"accordion-item__header\">Czy lepiej mie\u0107 BV czy jednoosobow\u0105 dzia\u0142alno\u015b\u0107 (eenmanszaak) przy kredycie hipotecznym?<\/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_e6ba66bbf8844cf179cd86bb65124069-9218\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9218\">\n        <div class=\"accordion-item__body\">\n            <p>Jednoosobowa dzia\u0142alno\u015b\u0107 jest wystarczaj\u0105ca w wi\u0119kszo\u015bci przypadk\u00f3w. Posiadanie BV mo\u017ce czasami utrudni\u0107 ocen\u0119 dochod\u00f3w. Analizujemy Twoj\u0105 struktur\u0119 biznesow\u0105 i doradzamy, czy zmiany poprawi\u0105 Twoj\u0105 zdolno\u015b\u0107 kredytow\u0105 \u2014 jeszcze przed z\u0142o\u017ceniem wniosku.<\/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_e6ba66bbf8844cf179cd86bb65124069-9217\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9217\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9217\">\n            <span class=\"accordion-item__header\">Jaka jest maksymalna kwota kredytu hipotecznego, kt\u00f3r\u0105 mog\u0119 otrzyma\u0107 jako 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_e6ba66bbf8844cf179cd86bb65124069-9217\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9217\">\n        <div class=\"accordion-item__body\">\n            <p>Zale\u017cy to od Twojego \u015bredniego dochodu netto, ewentualnych zobowi\u0105za\u0144 oraz polityki banku wobec os\u00f3b samozatrudnionych. Obliczamy Tw\u00f3j maksymalny kredyt bezp\u0142atnie i dajemy realistyczny obraz przed rozpocz\u0119ciem poszukiwa\u0144 \u2014 aby\u015b dok\u0142adnie wiedzia\u0142, 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_e6ba66bbf8844cf179cd86bb65124069-9216\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9216\"\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_e6ba66bbf8844cf179cd86bb65124069-9216\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_e6ba66bbf8844cf179cd86bb65124069-9216\">\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<\/div>\n\n\t\t\t\t\t<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\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":11,"featured_media":1558,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Kup dom jako ZZP w Holandii | Domek.nl","_seopress_titles_desc":"Samozatrudniony (ZZP) i chcesz kupi\u0107 dom w Holandii? Domek.nl wie, kt\u00f3re banki akceptuj\u0105 ZZP od 1. roku. W Twoim j\u0119zyku. Od 2005 roku.","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"class_list":["post-9182","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/9182","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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/comments?post=9182"}],"version-history":[{"count":3,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/9182\/revisions"}],"predecessor-version":[{"id":9237,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/pages\/9182\/revisions\/9237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/media\/1558"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/media?parent=9182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}