{"id":21343,"date":"2026-04-17T11:21:32","date_gmt":"2026-04-17T11:21:32","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/faq\/"},"modified":"2026-05-28T14:17:57","modified_gmt":"2026-05-28T14:17:57","slug":"intrebari-frecvente","status":"publish","type":"page","link":"https:\/\/domek-nl.bearwithus.nl\/ro\/intrebari-frecvente\/","title":{"rendered":"FAQ RO"},"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_dab872a48bb1863953aa7bb59b2c4fc1\" 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\">\u00centreb\u0103ri frecvente<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8247\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8247\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8247\">\n            <span class=\"accordion-item__header\">Poate Domek s\u0103 m\u0103 ajute s\u0103 g\u0103sesc o cas\u0103 \u0219i s\u0103 aranjez creditul ipotecar?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8247\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8247\">\n        <div class=\"accordion-item__body\">\n            <p>Da \u2014 \u0219i exact asta ne face diferi\u021bi. Majoritatea consilierilor se ocup\u0103 doar de creditul ipotecar. La Domek te ajut\u0103m s\u0103 cau\u021bi proprietatea potrivit\u0103, te ghid\u0103m prin procesul de licitare, aranj\u0103m creditul ipotecar, configur\u0103m asigur\u0103rile \u0219i te ajut\u0103m cu utilit\u0103\u021bile \u0219i \u00eenregistrarea fiscal\u0103. Nimeni nu acoper\u0103 totul a\u0219a cum o facem noi.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8313\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8313\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8313\">\n            <span class=\"accordion-item__header\">Poate Domek s\u0103 m\u0103 ajute \u00een limba mea?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8313\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8313\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Oferim suport personal \u00een peste 12 limbi, inclusiv polonez\u0103, rom\u00e2n\u0103, lituanian\u0103, maghiar\u0103, spaniol\u0103, bulgar\u0103, hindi, ucrainean\u0103, portughez\u0103, turc\u0103 \u0219i rus\u0103. Vei lucra \u00eentotdeauna cu un consilier care vorbe\u0219te limba ta \u0219i \u00een\u021belege situa\u021bia ta ca interna\u021bional \u00een Olanda.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8127\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8127\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8127\">\n            <span class=\"accordion-item__header\">Pot cump\u0103ra o cas\u0103 \u00een Olanda dac\u0103 nu sunt cet\u0103\u021bean olandez?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8127\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8127\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Nu ai nevoie de cet\u0103\u021benie olandez\u0103 pentru a cump\u0103ra o cas\u0103 \u00een Olanda. Indiferent dac\u0103 ai pa\u0219aport UE sau permis de \u0219edere, po\u021bi solicita un credit ipotecar \u0219i po\u021bi cump\u0103ra o proprietate. Domek a ajutat mii de interna\u021bionali \u2014 de la migran\u021bi califica\u021bi p\u00e2n\u0103 la muncitori migran\u021bi \u2014 s\u0103 parcurg\u0103 acest proces de la \u00eenceput p\u00e2n\u0103 la sf\u00e2r\u0219it.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8831\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8831\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8831\">\n            <span class=\"accordion-item__header\">Pot cump\u0103ra un apartament \u00een \u021a\u0103rile de Jos dac\u0103 nu sunt rezident olandez?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8831\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8831\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Na\u021bionalitatea \u0219i statutul dumneavoastr\u0103 de reziden\u021b\u0103 nu v\u0103 \u00eempiedic\u0103 s\u0103 cump\u0103ra\u021bi un apartament \u00een \u021a\u0103rile de Jos. Fie c\u0103 sunte\u021bi un migrant calificat, muncitor sau cet\u0103\u021bean UE, Domek v\u0103 ghideaz\u0103 pe tot parcursul procesului \u2014 de la g\u0103sirea apartamentului potrivit p\u00e2n\u0103 la finalizarea ipotecii.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8156\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8156\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8156\">\n            <span class=\"accordion-item__header\">Am nevoie de un permis de \u0219edere permanent pentru a ob\u021bine un credit ipotecar?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8156\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8156\">\n        <div class=\"accordion-item__body\">\n            <p>Nu neap\u0103rat. Multe b\u0103nci ofer\u0103 credite ipotecare persoanelor cu permis de \u0219edere temporar, \u00een func\u021bie de venitul t\u0103u, angajator \u0219i tipul permisului. \u0218tim exact care creditori sunt deschi\u0219i situa\u021biei tale \u0219i te vom potrivi cu banca potrivit\u0103 \u2014 astfel \u00eenc\u00e2t s\u0103 nu pierzi timp aplic\u00e2nd la cele gre\u0219ite.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8213\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8213\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8213\">\n            <span class=\"accordion-item__header\">Trebuie s\u0103 contribui cu bani proprii atunci c\u00e2nd cump\u0103r o cas\u0103?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8213\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8213\">\n        <div class=\"accordion-item__body\">\n            <p>Depinde de situa\u021bia ta financiar\u0103 individual\u0103. \u00cen unele cazuri este posibil s\u0103 finan\u021bezi \u00eentregul pre\u021b de achizi\u021bie. Evalu\u0103m situa\u021bia ta \u00een detaliu \u0219i potrivim creditul ipotecar cu capacit\u0103\u021bile tale. Fiecare aplica\u021bie este diferit\u0103 \u2014 de aceea recomand\u0103m s\u0103 ne contactezi direct pentru un prim calcul gratuit.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8291\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8291\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8291\">\n            <span class=\"accordion-item__header\">C\u00e2t timp dureaz\u0103 s\u0103 cumperi o cas\u0103 \u00een Olanda?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8291\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8291\">\n        <div class=\"accordion-item__body\">\n            <p>De la primul calcul ipotecar p\u00e2n\u0103 la primirea cheilor, procesul dureaz\u0103 de obicei 2\u20134 luni. G\u0103sirea propriet\u0103\u021bii potrivite poate dura mai mult, \u00een func\u021bie de pia\u021b\u0103. R\u0103m\u00e2nem al\u0103turi de tine pe tot parcursul \u2014 de la c\u0103utare p\u00e2n\u0103 la finalizare \u2014 \u0219i men\u021binem procesul \u00een mi\u0219care la fiecare pas.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8173\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8173\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8173\">\n            <span class=\"accordion-item__header\">C\u00e2t pot \u00eemprumuta ca interna\u021bional \u00een Olanda?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8173\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8173\">\n        <div class=\"accordion-item__body\">\n            <p>Valoarea maxim\u0103 a creditului ipotecar depinde de venitul t\u0103u brut, contractul de munc\u0103 \u0219i orice obliga\u021bii financiare existente. Ca interna\u021bional, factori precum durata permisului de \u0219edere \u0219i dac\u0103 venitul t\u0103u este \u00een euro joac\u0103 de asemenea un rol. Calcul\u0103m gratuit suma maxim\u0103 \u0219i \u00ee\u021bi explic\u0103m exact ce este posibil \u00een situa\u021bia ta.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8230\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8230\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8230\">\n            <span class=\"accordion-item__header\">Lucrez printr-o agen\u021bie de munc\u0103 (uitzendbureau). Pot totu\u0219i ob\u021bine un credit ipotecar?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8230\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8230\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Chiar dac\u0103 lucrezi printr-o agen\u021bie de munc\u0103 \u2014 inclusiv \u00een Phase A f\u0103r\u0103 ore garantate \u2014 po\u021bi totu\u0219i solicita un credit ipotecar \u00een Olanda. Venitul t\u0103u din ultimii ani este luat \u00een considerare. Avem experien\u021b\u0103 extins\u0103 cu muncitori migran\u021bi care lucreaz\u0103 prin agen\u021bii \u0219i \u0219tim exact ce b\u0103nci sunt deschise acestei situa\u021bii.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8810\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8810\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8810\">\n            <span class=\"accordion-item__header\">Este mai dificil s\u0103 ob\u021bine\u021bi o ipotec\u0103 pentru un apartament dec\u00e2t pentru o cas\u0103?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8810\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8810\">\n        <div class=\"accordion-item__body\">\n            <p>\u00cen majoritatea cazurilor, nu. Procesul de ipotec\u0103 pentru un apartament este \u00een mare parte acela\u0219i ca pentru o cas\u0103. Principala diferen\u021b\u0103 este c\u0103 unele apartamente au costuri lunare suplimentare de \u00eentre\u021binere (contribu\u021bia VvE). Ne asigur\u0103m c\u0103 ave\u021bi o imagine complet\u0103 a tuturor costurilor \u00eenainte de a lua o decizie \u2014 f\u0103r\u0103 surprize.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8196\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8196\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8196\">\n            <span class=\"accordion-item__header\">Care sunt costurile totale ale cump\u0103r\u0103rii unei case \u00een Olanda?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8196\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8196\">\n        <div class=\"accordion-item__body\">\n            <p>Pe l\u00e2ng\u0103 pre\u021bul propriet\u0103\u021bii, exist\u0103 taxe notariale, taxe de achizi\u021bie sau TVA pentru proiecte noi \u0219i taxe bancare. Suma exact\u0103 depinde de regiune \u0219i de tipul tranzac\u021biei \u2013 vom preg\u0103ti un calcul personalizat \u00eenainte s\u0103 iei o decizie.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8268\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8268\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8268\">\n            <span class=\"accordion-item__header\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 contractul meu de munc\u0103 se termin\u0103 \u00eenainte ca ipoteca s\u0103 fie pl\u0103tit\u0103?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8268\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8268\">\n        <div class=\"accordion-item__body\">\n            <p>Aceasta este o preocupare comun\u0103 pentru interna\u021bionali cu contracte temporare. Ipoteca este garantat\u0103 pe proprietate, nu doar pe locul t\u0103u actual de munc\u0103. Mul\u021bi creditori au experien\u021b\u0103 cu profesioni\u0219ti interna\u021bionali \u0219i evalueaz\u0103 profilul t\u0103u de venit mai larg. Te sf\u0103tuim cum s\u0103 structurezi aplica\u021bia pentru a minimiza acest risc \u00eenc\u0103 de la \u00eenceput.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9241\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9241\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9241\">\n            <span class=\"accordion-item__header\">Domek m\u0103 poate ajuta \u0219i cu asigur\u0103ri \u0219i taxe ca proprietar 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_dab872a48bb1863953aa7bb59b2c4fc1-9241\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9241\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Dup\u0103 achizi\u021bie, te ajut\u0103m s\u0103 organizezi asigurarea potrivit\u0103 pentru locuin\u021b\u0103 \u0219i te putem conecta cu partenerii no\u0219tri fiscali pentru consultan\u021b\u0103 privind deducerea dob\u00e2nzii ipotecare \u0219i alte beneficii. Mul\u021bi migran\u021bi ZZP nu sunt con\u0219tien\u021bi de avantajele fiscale disponibile \u2014 ne asigur\u0103m c\u0103 nu le ratezi.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18704\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18704\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18704\">\n            <span class=\"accordion-item__header\">M\u0103 poate ajuta Domek \u00een limba mea cu acest proces?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18704\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18704\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Mul\u021bi chiria\u0219i care vin la noi sunt interna\u021bionali care au locuit cu chirie \u00een timp ce \u0219i-au construit via\u021ba \u00een Olanda. Oferim suport \u00een peste 12 limbi \u0219i \u00een\u021belegem situa\u021bia specific\u0103 a migran\u021bilor care sunt preg\u0103ti\u021bi s\u0103 fac\u0103 pasul de la chiria\u0219 la proprietar. Acest pas este mai mare dec\u00e2t cred majoritatea oamenilor \u2014 iar noi ne asigur\u0103m c\u0103 sunte\u021bi preg\u0103tit pentru el.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8630\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8630\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8630\">\n            <span class=\"accordion-item__header\">Poate Domek s\u0103 m\u0103 ajute \u00een limba mea?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8630\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8630\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Oferim suport personal \u00een peste 12 limbi, inclusiv polonez\u0103, rom\u00e2n\u0103, lituanian\u0103, maghiar\u0103, spaniol\u0103, bulgar\u0103, hindi, ucrainean\u0103, portughez\u0103, turc\u0103 \u0219i rus\u0103. Cump\u0103rarea \u00eentr-o \u021bar\u0103 str\u0103in\u0103 ar trebui s\u0103 fie u\u0219or de \u00een\u021beles \u2014 iar cu noi este.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8951\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8951\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8951\">\n            <span class=\"accordion-item__header\">Poate Domek s\u0103 sprijine to\u021bi cump\u0103r\u0103torii \u00een diferite limbi dac\u0103 venim din \u021b\u0103ri diferite?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8951\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8951\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Echipa noastr\u0103 vorbe\u0219te peste 12 limbi. Dac\u0103 cump\u0103r\u0103torii vorbesc limbi diferite, ne asigur\u0103m c\u0103 fiecare \u00een\u021belege pe deplin ce semneaz\u0103. Nimeni nu ar trebui s\u0103 cumpere o locuin\u021b\u0103 \u00eentr-o limb\u0103 pe care nu o \u00een\u021belege complet \u2014 iar cu Domek nu trebuie.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9052\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9052\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9052\">\n            <span class=\"accordion-item__header\">Pot prietenii sau colegii s\u0103 cumpere o cas\u0103 \u00eempreun\u0103 \u2014 nu doar cuplurile?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9052\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9052\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Cump\u0103rarea \u00eempreun\u0103 cu prieteni sau colegi devine din ce \u00een ce mai frecvent\u0103, mai ales pe pie\u021be competitive. Domek are experien\u021b\u0103 \u00een organizarea ipotecilor pentru cump\u0103r\u0103tori care nu sunt \u00eentr-o rela\u021bie romantic\u0103 \u0219i v\u0103 va ghida prin pa\u0219ii practici \u0219i legali implica\u021bi. Cheia este s\u0103 v\u0103 asigura\u021bi c\u0103 toate acordurile sunt documentate \u00eenainte de cump\u0103rare.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8724\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8724\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8724\">\n            <span class=\"accordion-item__header\">Pot cump\u0103ra un apartament cu un contract de munc\u0103 temporar?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8724\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8724\">\n        <div class=\"accordion-item__body\">\n            <p>Da, \u00een multe cazuri. Unele b\u0103nci sunt foarte deschise c\u0103tre clien\u021bi interna\u021bionali cu contracte temporare, mai ales atunci c\u00e2nd angajatorul este de \u00eencredere sau bine cunoscut. \u0218tim care b\u0103nci sunt cele mai flexibile \u0219i v\u0103 vom prezenta dosarul \u00een cel mai bun mod posibil.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18649\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18649\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18649\">\n            <span class=\"accordion-item__header\">Pot cump\u0103ra casa \u00eempreun\u0103 cu un partener sau un membru al familiei?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18649\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18649\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Combinarea veniturilor poate cre\u0219te semnificativ capacitatea de \u00eemprumut \u0219i poate face achizi\u021bia mai accesibil\u0103. Domek aranjeaz\u0103 ipoteci pentru p\u00e2n\u0103 la patru cump\u0103r\u0103tori \u0219i se asigur\u0103 c\u0103 toate acordurile sunt documentate corespunz\u0103tor \u2014 inclusiv ce se \u00eent\u00e2mpl\u0103 dac\u0103 circumstan\u021bele se schimb\u0103 ulterior.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9249\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9249\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9249\">\n            <span class=\"accordion-item__header\">Pot ob\u021bine un credit ipotecar ca persoan\u0103 independent\u0103 (ZZP) \u00een Olanda?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9249\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9249\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Faptul c\u0103 e\u0219ti persoan\u0103 independent\u0103 nu te exclude de la ob\u021binerea unui credit ipotecar. Procesul este mai complex dec\u00e2t pentru angaja\u021bi, dar Domek este specializat \u00een aplica\u021bii de credit ipotecar pentru ZZP \u0219i \u0219tie exact care creditori sunt deschi\u0219i c\u0103tre cump\u0103r\u0103tori independen\u021bi \u2014 inclusiv din primul an de activitate.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9244\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9244\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9244\">\n            <span class=\"accordion-item__header\">Pot ob\u021bine un credit ipotecar dac\u0103 venitul meu fluctueaz\u0103 de la an la an?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9244\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9244\">\n        <div class=\"accordion-item__body\">\n            <p>Da, \u00eens\u0103 necesit\u0103 o preg\u0103tire atent\u0103. Te ajut\u0103m s\u0103 construie\u0219ti cea mai puternic\u0103 aplica\u021bie posibil\u0103 aleg\u00e2nd creditorul potrivit, preg\u0103tind documentele necesare \u0219i prezent\u00e2nd istoricul veniturilor \u00een context. Venitul fluctuant este comun pentru persoanele independente \u0219i mul\u021bi creditori \u00een\u021beleg acest lucru dac\u0103 este prezentat corect.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18518\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18518\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-18518\">\n            <span class=\"accordion-item__header\">Pot ob\u021bine o ipotec\u0103 pentru a cump\u0103ra casa pe care o \u00eenchiriez \u00een prezent?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-18518\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-18518\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Procesul ipotecar este acela\u0219i ca pentru orice alt\u0103 achizi\u021bie imobiliar\u0103. Faptul c\u0103 locui\u021bi deja \u00een proprietate poate fi chiar un avantaj \u2014 cunoa\u0219te\u021bi bine locuin\u021ba \u0219i nu este nevoie de o c\u0103utare extins\u0103. Calcul\u0103m ipoteca maxim\u0103 \u0219i v\u0103 ghid\u0103m pe tot parcursul procesului de aplicare.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9240\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9240\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9240\">\n            <span class=\"accordion-item__header\">Pot primi suport \u00een limba mea ca migrant ZZP \u00een Olanda?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9240\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9240\">\n        <div class=\"accordion-item__body\">\n            <p>Absolut. Mul\u021bi dintre clien\u021bii no\u0219tri ZZP sunt migran\u021bi califica\u021bi din Polonia, Rom\u00e2nia, India, Ucraina \u0219i multe alte \u021b\u0103ri. Oferim suport \u00een peste 12 limbi \u0219i \u00een\u021belegem provoc\u0103rile specifice de a fi at\u00e2t independent, c\u00e2t \u0219i interna\u021bional \u00een Olanda \u2014 pentru c\u0103 am f\u0103cut asta de mii de ori.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8650\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8650\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8650\">\n            <span class=\"accordion-item__header\">Pot \u00eenchiria apartamentul dup\u0103 ce \u00eel cump\u0103r?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8650\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8650\">\n        <div class=\"accordion-item__body\">\n            <p>Acest lucru depinde de tipul ipotecii \u0219i de condi\u021biile b\u0103ncii. O ipotec\u0103 standard pentru locuire proprie, de obicei, nu permite \u00eenchirierea f\u0103r\u0103 acordul b\u0103ncii. V\u0103 sf\u0103tuim sincer ce este \u0219i ce nu este posibil \u2014 iar dac\u0103 obiectivul dumneavoastr\u0103 este \u00eenchirierea, v\u0103 vom ghida c\u0103tre produsul potrivit \u00eenc\u0103 de la \u00eenceput.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8994\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8994\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8994\">\n            <span class=\"accordion-item__header\">Poate o persoan\u0103 s\u0103 aib\u0103 un venit mult mai mare dec\u00e2t cealalt\u0103?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8994\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8994\">\n        <div class=\"accordion-item__body\">\n            <p>Da, veniturile inegale sunt foarte frecvente \u00een achizi\u021biile comune. Creditorii evalueaz\u0103 imaginea de ansamblu. V\u0103 ajut\u0103m s\u0103 structura\u021bi aplica\u021bia \u00een cel mai favorabil mod pentru situa\u021bia dumneavoastr\u0103 \u2014 inclusiv modul \u00een care sunt \u00eemp\u0103r\u021bite cotele de proprietate.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9139\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9139\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9139\">\n            <span class=\"accordion-item__header\">Pot dou\u0103 sau mai multe persoane cu na\u021bionalit\u0103\u021bi diferite s\u0103 cumpere o cas\u0103 \u00eempreun\u0103 \u00een \u021a\u0103rile de Jos?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9139\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9139\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Domek ajut\u0103 \u00een mod regulat grupuri de persoane din diferite \u021b\u0103ri s\u0103 cumpere propriet\u0103\u021bi \u00eempreun\u0103 \u2014 fie c\u0103 este vorba de un cuplu, prieteni sau membri ai familiei. Ne asigur\u0103m c\u0103 toate veniturile sunt evaluate corect \u0219i c\u0103 structura ipotecii func\u021bioneaz\u0103 pentru to\u021bi cei implica\u021bi.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8670\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8670\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-8670\">\n            <span class=\"accordion-item__header\">Pot dou\u0103 persoane cu na\u021bionalit\u0103\u021bi diferite s\u0103 cumpere un apartament \u00eempreun\u0103?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-8670\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-8670\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Mul\u021bi dintre clien\u021bii no\u0219tri cump\u0103r\u0103 \u00eempreun\u0103 cu un partener sau membru al familiei din alt\u0103 \u021bar\u0103. Ne asigur\u0103m c\u0103 ambele venituri sunt evaluate corect, c\u0103 ambele situa\u021bii juridice sunt luate \u00een considerare \u0219i c\u0103 structura ipotecii func\u021bioneaz\u0103 pentru ambele p\u0103r\u021bi.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9074\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9074\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-9074\">\n            <span class=\"accordion-item__header\">To\u021bi cump\u0103r\u0103torii trebuie s\u0103 locuiasc\u0103 \u00een \u021a\u0103rile de Jos?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-9074\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-9074\">\n        <div class=\"accordion-item__body\">\n            <p>Nu neap\u0103rat. \u00cen unele cazuri, unul dintre cump\u0103r\u0103tori poate locui \u00een str\u0103in\u0103tate, de\u0219i acest lucru face ipoteca mai complex\u0103. Evalu\u0103m fiecare situa\u021bie individual \u0219i v\u0103 spunem sincer ce este \u0219i ce nu este posibil pentru grupul dumneavoastr\u0103.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-22129\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-22129\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22129\">\n            <span class=\"accordion-item__header\">Pot s\u0103 contribui suplimentar la pensia mea \u00een \u021a\u0103rile de Jos?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-22129\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-22129\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Po\u021bi acumula capital suplimentar pentru pensie prin economii private sau produse de pensie bazate pe investi\u021bii. Acest lucru este util \u00een special dac\u0103 ai perioade neacoperite de pensia de stat sau de cea prin angajator.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-22323\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-22323\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-22323\">\n            <span class=\"accordion-item__header\">Pot accesa economiile pentru pensie \u00eenainte de pensionare?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-22323\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-22323\">\n        <div class=\"accordion-item__body\">\n            <p>\u00cen majoritatea cazurilor, produsele de pensie sunt destinate utiliz\u0103rii pe termen lung \u0219i nu permit accesul liber la fonduri \u00eenainte de pensionare. Totu\u0219i, economiile obi\u0219nuite sau investi\u021biile pot oferi mai mult\u0103 flexibilitate.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-21390\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-21390\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21390\">\n            <span class=\"accordion-item__header\">Pot finan\u021ba o renovare f\u0103r\u0103 s\u0103 folosesc economiile proprii?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-21390\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-21390\">\n        <div class=\"accordion-item__body\">\n            <p>\u00cen multe cazuri, da. Dac\u0103 locuin\u021ba dumneavoastr\u0103 \u0219i-a crescut valoarea, este posibil s\u0103 pute\u021bi finan\u021ba renovarea prin ipotec\u0103. Acest lucru depinde de venitul dumneavoastr\u0103, valoarea propriet\u0103\u021bii \u0219i situa\u021bia actual\u0103 a ipotecii. V\u0103 ajut\u0103m s\u0103 calcula\u021bi ce este posibil.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-21553\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-21553\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-21553\">\n            <span class=\"accordion-item__header\">Pot finan\u021ba \u00eembun\u0103t\u0103\u021biri eficiente energetic?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-21553\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-21553\">\n        <div class=\"accordion-item__body\">\n            <p>Da. \u00cembun\u0103t\u0103\u021biri precum izola\u021bia, panourile solare sau pompa de c\u0103ldur\u0103 sunt adesea sus\u021binute de b\u0103nci \u0219i uneori pot veni cu condi\u021bii mai bune. Aceste moderniz\u0103ri pot reduce \u0219i costurile lunare cu energia.<\/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_dab872a48bb1863953aa7bb59b2c4fc1-20947\">\n        <button class=\"accordion-item__button\" type=\"button\" data-bs-toggle=\"collapse\"\n                data-bs-target=\"#accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-20947\"\n                aria-expanded=\"false\"\n                aria-controls=\"accordion-panels-20947\">\n            <span class=\"accordion-item__header\">Pot ob\u021bine o ipotec\u0103 nou\u0103 dup\u0103 separare?<\/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_dab872a48bb1863953aa7bb59b2c4fc1-20947\"\n         class=\"accordion-item__collapse collapse\"\n         aria-labelledby=\"accordion-panels-block_dab872a48bb1863953aa7bb59b2c4fc1-20947\">\n        <div class=\"accordion-item__body\">\n            <p>Da. Calcul\u0103m c\u00e2t pute\u021bi \u00eemprumuta \u00een func\u021bie de noua dumneavoastr\u0103 situa\u021bie, inclusiv venitul \u0219i obliga\u021biile financiare. Acest lucru v\u0103 ajut\u0103 s\u0103 \u00een\u021belege\u021bi ce tip de proprietate v\u0103 pute\u021bi permite \u00een continuare.<\/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\">Te ajut\u0103m cu pl\u0103cere<\/h2>\n\n\n\n<p>Ai \u00eentreb\u0103ri? Contacteaz\u0103-ne pe e-mail sau sun\u0103-ne \u2014 echipa noastr\u0103 este al\u0103turi de tine la fiecare pas.<\/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\">Sun\u0103-ne \u00een timpul programului de lucru<\/span>\n                              <span class=\"cq__sub\">+3233320380<\/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\">Trimite un 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>Te ajut\u0103m cu pl\u0103cere Ai \u00eentreb\u0103ri? Contacteaz\u0103-ne pe e-mail sau sun\u0103-ne \u2014 echipa noastr\u0103 este al\u0103turi de tine la fiecare pas.<\/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":"\u00centreb\u0103ri frecvente (FAQ) | Domek.nl","_seopress_titles_desc":"Ave\u021bi \u00eentreb\u0103ri despre cump\u0103rare, v\u00e2nzare, ipoteci sau \u00eemprumuturi \u00een Olanda? G\u0103si\u021bi r\u0103spunsuri clare \u0219i practice \u00eentr-un singur loc \u2014 f\u0103r\u0103 termeni complica\u021bi, doar ghidare real\u0103.","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"class_list":["post-21343","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/pages\/21343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/comments?post=21343"}],"version-history":[{"count":1,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/pages\/21343\/revisions"}],"predecessor-version":[{"id":21345,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/pages\/21343\/revisions\/21345"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/media?parent=21343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}