{"id":29981,"date":"2026-06-25T11:40:42","date_gmt":"2026-06-25T11:40:42","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/questions\/czy-moge-przeniesc-lub-zrefinansowac-kredyt-na-lepsza-stawke-oversluiten\/"},"modified":"2026-07-03T09:05:05","modified_gmt":"2026-07-03T09:05:05","slug":"czy-moge-przeniesc-lub-zrefinansowac-kredyt-na-lepsza-stawke-oversluiten","status":"publish","type":"questions","link":"https:\/\/domek-nl.bearwithus.nl\/pl\/czesto-zadawane-pytan\/czy-moge-przeniesc-lub-zrefinansowac-kredyt-na-lepsza-stawke-oversluiten\/","title":{"rendered":"Czy mog\u0119 przenie\u015b\u0107 lub zrefinansowa\u0107 kredyt na lepsz\u0105 stawk\u0119 (oversluiten)?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Tak, mo\u017cesz przenie\u015b\u0107 kredyt (oversluiten) do innego banku lub renegocjowa\u0107 z obecnym, by uzyska\u0107 lepsze oprocentowanie lub warunki. To, czy si\u0119 op\u0142aca, zale\u017cy od r\u00f3\u017cnicy st\u00f3p i ewentualnej kary za wcze\u015bniejsz\u0105 sp\u0142at\u0119 (boeterente). Warto przejrze\u0107 kredyt, gdy stopy spadaj\u0105 lub gdy ko\u0144czy si\u0119 okres sta\u0142ej stopy.<\/p>\n","protected":false},"author":15,"featured_media":0,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"inline_featured_image":false},"subject":[254],"class_list":["post-29981","questions","type-questions","status-publish","hentry","subject-kredyt-hipoteczny"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/questions\/29981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/questions"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/types\/questions"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/users\/15"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/media?parent=29981"}],"wp:term":[{"taxonomy":"subject","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/pl\/wp-json\/wp\/v2\/subject?post=29981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}