Question 1

Kokius dokumentus turiu pateikti kaip ZZP, norėdamas gauti hipoteką?

Accepted Answer

Paprastai jums reikės metinių finansinių ataskaitų (jaarrekeningen), pajamų mokesčio deklaracijų (IB aangifte), KvK registracijos kopijos. Tikslūs reikalavimai priklauso nuo kreditoriaus. Mes tiksliai pasakysime, ką reikia paruošti prieš pirmą susitikimą, kad nebūtų vėlavimų.

Question 2

Ar Domek būsto paskolų konsultacija nepriklausoma?

Accepted Answer

Yes. Domek is an independent adviser and is not tied to a single bank or lender. We compare the whole market and base our recommendation on your personal profile, so the advice serves your interests and your situation rather than a particular product. This independence is especially valuable for expats whose income or contract does not fit standard bank criteria.

Question 3

Ar galiu gauti būsto paskolą su darbdavio pažyma (intentieverklaring arba perspectiefverklaring)?

Accepted Answer

Taip. Intentieverklaring yra rašytinis darbdavio ketinimas pasiūlyti nuolatinę sutartį, o perspectiefverklaring įvertina lankstaus ir agentūrinio darbo darbuotojų pajamų perspektyvas. Abi leidžia daugeliui žmonių su terminuotomis ar agentūrinėmis sutartimis gauti paskolą, kurios kitaip negautų. Kreditoriai derina pažymą su atlyginimo lapeliais ir darbo istorija, kad nustatytų skolinimosi galimybes.

Question 4

Ar galiu gauti paskolą būdamas kvalifikuotas migrantas su 30% lengvata?

Accepted Answer

Taip. Kvalifikuoti migrantai (kennismigranten) ir highly skilled migrants gali gauti Nyderlandų paskolą pagal darbo sutartį, o kai kurie kreditoriai vertindami pajamas atsižvelgia į 30% lengvatą. Kadangi lengvata laikina, kreditoriai žiūri ir kiek ji dar galios, taip pat į leidimą gyventi (verblijfsvergunning). Taip kvalifikuoti migrantai dažnai gali pirkti netrukus po atvykimo.

Question 5

Ar galiu gauti paskolą būdamas savarankiškai dirbantis (ZZP) ar smulkaus verslo savininkas?

Accepted Answer

Yes, as a ZZP'er or small business owner you can get a mortgage, usually based on your average income over the last one to three years, and some lenders accept a shorter history. Good bookkeeping, annual figures and the right lender are key, since acceptance rules for the self-employed and freelancers differ widely. Your business continuity and net income matter more than a fixed salary.

Question 6

Ar galiu gauti paskolą su terminuota sutartimi ar per agentūrą?

Accepted Answer

Yes, you can often get a mortgage on a temporary contract (tijdelijk contract) or agency work. Many lenders accept an employer's statement of intent (intentieverklaring) or, for flex and agency workers, a perspectiefverklaring confirming your income prospects. Your work history, income and contract type determine the amount, so a lender used to flexible work is key.

Question 7

Ar galiu grąžinti paskolą anksčiau ar mokėti papildomas įmokas?

Accepted Answer

Yes, most mortgages let you make extra repayments (extra aflossen), often up to a percentage of the loan each year without penalty. Repaying extra lowers your debt, your interest and your loan-to-value (LTV), which can later qualify you for a lower rate. If you exceed the penalty-free limit on a fixed rate, an early-repayment charge (boeterente) may apply.

Question 8

Ar galiu nuomoti būstą ar gauti nuomos paskolą (buy-to-let) Nyderlanduose?

Accepted Answer

Renting out a home bought with a normal owner-occupier mortgage usually needs the lender's permission, while a dedicated buy-to-let mortgage (verhuurhypotheek) applies if you buy specifically to let. Buy-to-let financing has its own conditions, deposit requirements and interest rates, and a rented property falls in box 3 for tax. It is assessed differently from a mortgage for your main residence.

Question 9

Ar galiu padidinti paskolą ar imti antrą paskolą (hypotheek verhogen)?

Accepted Answer

Yes, you can often increase your existing mortgage (hypotheek verhogen) or add a second loan part, for example to renovate or release equity (overwaarde opnemen). The extra amount depends on your home's current value, your income and your existing loan-to-value, and is assessed much like a new mortgage application. A valuation is usually needed to confirm the current value.

Question 10

Ar galiu perkelti ar refinansuoti paskolą geresnei palūkanai (oversluiten)?

Accepted Answer

Yes, you can switch your mortgage (oversluiten) to another lender or renegotiate with your current one to get a better interest rate or conditions. Whether it pays off depends on the rate difference and any early-repayment penalty (boeterente). It is worth having your mortgage reviewed when rates fall or when your fixed-interest period is ending.

Question 11

Ar galiu perkelti paskolos palūkanas į naują būstą (meeneemregeling)?

Accepted Answer

Many mortgages include a portability option (meeneemregeling) that lets you take your current interest rate to a new home when you move. This is valuable if your existing rate is lower than the market, though time limits and conditions apply per lender. Combined with a bridging loan (overbruggingskrediet), it can make moving to a next home smoother.

Question 12

Ar NHG verta?

Accepted Answer

NHG is often worth it because the lower interest rate (rentekorting) can outweigh the one-off premium, while it also protects you against a residual debt (restschuld) if you have to sell at a loss. It is only available up to a yearly price limit (NHG-grens), so it mainly suits first-time and mid-range buyers. Whether it pays off depends on your loan amount and how long you stay.

Question 13

Ar partnerio pajamos įskaičiuojamos į paskolą?

Accepted Answer

Yes, if you apply together your partner's income is added to yours, which usually increases your maximum mortgage. Both partners then become jointly liable (hoofdelijk aansprakelijk) for the loan, so any debts or obligations on either side also affect what you can borrow. A second income, including a partner with the 30% ruling, can significantly raise your capacity.

Question 14

Ar rinktis trumpą, ar ilgą fiksuotų palūkanų laikotarpį?

Accepted Answer

A long fixed-interest period (lange rentevaste periode) protects you against rising rates and gives budgeting certainty, while a short period is usually cheaper but carries more risk. The right choice depends on how long you plan to stay, your risk appetite, and the gap between short and long rates at the time. Buyers who want predictable monthly costs often choose a longer fixed period.

Question 15

Kaip apskaičiuojama mano maksimali būsto paskola?

Accepted Answer

Your maximum mortgage is calculated from your gross annual income, your partner's income if you apply together, debts registered at BKR, and the value of the home. Lenders apply yearly national lending standards, so two people on the same salary can borrow different amounts depending on their loans and contract. The fixed-interest period and energy label can also affect the limit.

Question 16

Kaip įvertinti paskolą su skaičiuokle Nyderlandams?

Accepted Answer

A mortgage calculator for the Netherlands estimates your maximum loan and monthly payments from your income, the interest rate and the fixed-interest period. It is a useful starting point to see what you can afford before viewing homes. A personal calculation goes further by accounting for your contract type, debts, a second income and the 30% ruling.

Question 17

Kas atsitinka mano paskolai, kai baigiasi 30% lengvata?

Accepted Answer

When the 30% ruling ends your net income falls while your mortgage payments stay the same, so it pays to plan ahead. A good adviser takes the ruling's end date into account when setting up your mortgage, choosing a payment and fixed-interest period that stay comfortable afterwards. Building savings or making extra repayments before it ends also softens the transition.

Question 18

Kas yra anuiteto paskola (annuïteitenhypotheek)?

Accepted Answer

An annuity mortgage (annuïteitenhypotheek) keeps your gross monthly payment roughly the same over the term, starting with more interest and less repayment, gradually reversing. Because the deductible interest falls over time, your net cost slowly rises, so it suits buyers who want low payments at the start. It is the most common choice for first-time buyers and qualifies for mortgage interest deduction.

Question 19

Kas yra būsto paskolos konsultacijų ir tarpininkavimo mokesčiai?

Accepted Answer

Mortgage advice and arrangement fees (advies- en bemiddelingskosten) are what you pay to have your situation assessed, lenders compared and your mortgage arranged. These are one-off costs that are usually tax-deductible in the year you buy. The valuation report and any NHG premium are separate items in your total financing costs.

Question 20

Kas yra būsto paskolos pasiūlymas (hypotheekofferte) ir ar jis privalomas?

Accepted Answer

A mortgage offer (hypotheekofferte), now usually a binding proposal (bindend aanbod), sets out the interest rate, term and conditions of your loan. You receive it after the lender assesses your application, income and documents, and it is valid for a set period in which you can accept. Once accepted, it forms the basis for the mortgage deed at the notary.

Question 21

Kas yra fiksuotų palūkanų laikotarpis (rentevaste periode)?

Accepted Answer

The fixed-interest period (rentevaste periode) is how long your mortgage interest rate stays the same, for example 5, 10, 20 or 30 years. A longer period gives certainty about your monthly payments, while a shorter one is often cheaper but riskier when the rate resets. At the end of the period you get a new rate based on the market and your remaining loan-to-value.

Question 22

Kas yra NHG (Nationale Hypotheek Garantie)?

Accepted Answer

NHG (Nationale Hypotheek Garantie) yra nacionalinė būsto paskolos garantija, veikianti kaip apsaugos tinklas, jei negali grąžinti paskolos dėl tokių įvykių kaip darbo netekimas, nedarbingumas, skyrybos ar partnerio mirtis. Paprastai ji suteikia mažesnes palūkanas (rentekorting) ir gali padengti likutinę skolą (restschuld), jei būstą tenka parduoti nuostolingai. NHG prieinama iki maksimalios būsto kainos (NHG-grens), nustatomos kasmet, ir garantuojama fondo WEW.

Question 23

Kas yra paskola tik su palūkanomis (aflossingsvrije hypotheek)?

Accepted Answer

An interest-only mortgage (aflossingsvrije hypotheek) means you pay only interest and do not repay the principal during the term, which keeps monthly costs low. For new mortgages it is limited to part of the loan and usually does not qualify for mortgage interest deduction, so it is often combined with an annuity or linear part. The principal is repaid or refinanced at the end of the term.

Question 24

Kas yra paskolos ir vertės santykis (LTV) ir kodėl jis svarbus?

Accepted Answer

Paskolos ir vertės santykis (LTV) yra paskolos dydis, palyginti su būsto verte. Mažesnis LTV, tai yra skolinies mažiau, palyginti su verte, paprastai suteikia geresnę palūkaną, nes bankas prisiima mažesnę riziką. Kapitalo (overwaarde) kaupimas ar papildomos įmokos laikui bėgant mažina LTV, kas gali kvalifikuoti mažesnei palūkanai.

Question 25

Kas yra taupomoji paskola (spaarhypotheek)?

Accepted Answer

A savings mortgage (spaarhypotheek) combines an interest-only loan with a linked savings or insurance product that grows to repay the debt at the end of the term. New ones are rarely issued under current rules, but many existing homeowners still have one. When switching mortgage or moving home, it is worth checking how the savings part is affected.

Question 26

Kas yra tiesinė paskola (lineaire hypotheek)?

Accepted Answer

With a linear mortgage (lineaire hypotheek) you repay a fixed amount of principal every month, so your payments are highest at the start and decrease over time. You build equity (overwaarde) faster and pay less total interest than with an annuity mortgage. It suits buyers who can afford higher initial payments and want to reduce their debt quickly.

Question 27

Kas yra vertinimo ataskaita (taxatierapport) ir kodėl jos reikia?

Accepted Answer

A valuation report (taxatierapport) is an independent appraisal of a home's market value by a certified valuer, which lenders require to approve a mortgage. It confirms the property is worth enough to secure the loan and feeds into your loan-to-value (LTV), which influences your interest rate. A validated report (gevalideerd taxatierapport) is usually needed for the mortgage.

Question 28

Kodėl naudotis būsto paskolų konsultantu, o ne eiti tiesiai į savo banką?

Accepted Answer

Bankas siūlo tik savo produktus, o nepriklausomas būsto paskolų konsultantas palygina daug kreditorių, kad rastų geriausią palūkaną ir sąlygas tavo situacijai. Tai ypač vertinga migrantams su tarptautinėmis pajamomis, terminuotomis sutartimis ar 30% lengvata, kur standartinės bankų taisyklės dažnai netinka. Nepriklausoma konsultacija praplečia tavo galimybes, o ne apriboja iki vieno tiekėjo.

Question 29

Kokią būsto paskolą galiu gauti Nyderlanduose?

Accepted Answer

Your maximum mortgage (maximale hypotheek) mainly depends on your gross income, your contract type and any existing debts, within national lending limits that are updated each year. A second income, the 30% ruling and the home's value also play a role. A personal mortgage calculation gives a far more accurate figure than a rule of thumb before you start viewing homes.

Question 30

Kokie būsto paskolų tipai yra Nyderlanduose?

Accepted Answer

Du pagrindiniai paskolų tipai (hypotheekvormen) Nyderlanduose yra anuiteto paskola (annuïteitenhypotheek) ir tiesinė paskola (lineaire hypotheek), abi tinkamos palūkanų lengvatai. Senesnės formos, pavyzdžiui, paskola tik su palūkanomis (aflossingsvrije) ir taupomoji (spaar), vis dar egzistuoja, bet turi griežtesnes taisykles naujiems pirkėjams. Pasirinkimas veikia mėnesinę įmoką, grąžinimo tempą ir mokestinę lengvatą.

Question 31

Kokios būsto paskolų palūkanos Nyderlanduose ir kaip jos nustatomos?

Accepted Answer

Dutch mortgage interest rates depend on the market, your chosen fixed-interest period and your loan-to-value (LTV), with NHG and a lower LTV usually giving better rates. Rates differ per lender and change continuously, so the rate you are offered reflects your risk profile and the term you fix. Comparing current offers across lenders is the best way to find a competitive rate.

Question 32

Kokios yra mėnesinės būsto paskolos išlaidos?

Accepted Answer

Your monthly mortgage costs consist of interest plus repayment for an annuity or linear mortgage, and your net cost is lower thanks to mortgage interest deduction (hypotheekrenteaftrek). On top of the mortgage you also budget for home insurance, maintenance, and any land lease (erfpacht) or VvE service charge. The fixed-interest period and loan-to-value determine the rate you pay.

Question 33

Kokių dokumentų reikia paskolos paraiškai?

Accepted Answer

For a mortgage application you typically need proof of identity, your BSN, an employer's statement (werkgeversverklaring) and recent payslips, or annual figures if you are self-employed, plus bank statements, the purchase agreement and a valuation report (taxatierapport). As a migrant you may also need your residence permit and 30%-ruling decision. Having these ready speeds up the assessment.

Question 34

Koks skirtumas tarp banko garantijos ir užstato (bankgarantie of waarborgsom)?

Accepted Answer

Pasirašius pirkimo sutartį, pardavėjui paprastai suteiki užtikrinimą: užstatą (waarborgsom), sumokėtą pas notarą, arba banko garantiją (bankgarantie), kai bankas pažada sumokėti, jei neįvykdai įsipareigojimų. Abu apsaugo pardavėją ta pačia suma. Kuris tau tinka, priklauso nuo to, ar turi laisvų pinigų, ar nori, kad bankas laiduotų.

Question 35

Koks skirtumas tarp būsto paskolų konsultanto ir visapusiško būsto partnerio?

Accepted Answer

Būsto paskolų konsultantas tvarko tik tavo paskolą, o visapusiškas būsto partneris kaip Domek yra nepriklausomas nuo bet kurio banko ir, be paskolos, padeda ir rasti būstą bei sutvarkyti komunalines paslaugas, draudimą ir mokesčius. Ne vietiniams pirkėjams tai reiškia nepriklausomą konsultaciją ir vieną kontaktinį tašką jų kalba, užuot žongliravus daugeliu atskirų tiekėjų.

Question 36

Kuri būsto paskola geriausia mano situacijai?

Accepted Answer

Geriausia paskola visiškai priklauso nuo tavo profilio: pajamų, sutarties tipo, gyvenimo statuso, ateities planų ir kiek tikrumo nori. Kadangi Domek yra nepriklausomas ir nesusietas su jokiu vienu banku, palyginame visą rinką ir rekomenduojame variantą, kuris tikrai tinka tavo situacijai, o ne vieno kreditoriaus produktą. Ne vietiniams su tarptautinėmis pajamomis, terminuota sutartimi ar 30% lengvata ši pritaikyta, nepriklausoma konsultacija dažnai padaro realų skirtumą.

Question 37

Kuri paskola man geresnė: anuiteto ar tiesinė?

Accepted Answer

A linear mortgage costs less in total interest and builds equity faster, but has higher payments at the start, while an annuity mortgage spreads costs more evenly and is easier to qualify for. The best choice depends on your budget now, how quickly you want to repay, and your view on the falling interest deduction over time. Both qualify for mortgage interest deduction.

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