{"id":31111,"date":"2026-06-25T11:40:35","date_gmt":"2026-06-25T11:40:35","guid":{"rendered":"https:\/\/domek.nl\/questions\/am-nevoie-de-economii-proprii-eigen-geld-ca-sa-cumpar-o-casa-in-tarile-de-jos\/"},"modified":"2026-07-14T08:29:01","modified_gmt":"2026-07-14T08:29:01","slug":"am-nevoie-de-economii-proprii-eigen-geld-ca-sa-cumpar-o-casa-in-tarile-de-jos","status":"publish","type":"questions","link":"https:\/\/domek-nl.bearwithus.nl\/ro\/intrebari-frecvente\/am-nevoie-de-economii-proprii-eigen-geld-ca-sa-cumpar-o-casa-in-tarile-de-jos\/","title":{"rendered":"Am nevoie de economii proprii (eigen geld) ca s\u0103 cump\u0103r o cas\u0103 \u00een \u021a\u0103rile de Jos?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You can usually borrow up to the home&#8217;s market value, but the buyer&#8217;s costs (kosten koper) such as transfer tax, notary and advice fees cannot be financed and are paid from your own savings (eigen geld). New-build homes sold &#8222;vrij op naam&#8221; (VON) and buying with NHG reduce how much own money you need. Extra savings also lower your loan-to-value, which can improve your interest rate.<\/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":[250],"class_list":["post-31111","questions","type-questions","status-publish","hentry","subject-cumpararea-unei-locuinte"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/questions\/31111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/questions"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/types\/questions"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/users\/15"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/media?parent=31111"}],"wp:term":[{"taxonomy":"subject","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/ro\/wp-json\/wp\/v2\/subject?post=31111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}