Co dzieje się z kredytem, gdy sprzedaję dom?

When you sell, your existing mortgage is repaid from the sale proceeds at the notary, and any surplus (overwaarde) is paid out to you. If you are buying a new home, you may be able to take your interest rate with you through the portability option (meeneemregeling). If the sale does not cover the loan, the shortfall is a residual debt (restschuld).

Co, jeśli mój dom jest wart mniej niż kredyt (restschuld)?

If the sale does not cover your mortgage, the shortfall is a residual debt (restschuld) that you normally still owe. If you bought with NHG (Nationale Hypotheek Garantie), the guarantee may cover this shortfall under certain conditions, such as a forced sale due to divorce or job loss. Otherwise you may need to repay or refinance the remaining amount.

Czy etykieta energetyczna jest wymagana przy sprzedaży domu?

Yes, a valid energy label (energielabel) is legally required when you sell a home and must be available at the transfer (overdracht). It shows the buyer how energy-efficient the property is, on a scale from A to G. A better label can make the home more attractive and valuable, and you can request or upgrade it before listing.

Czy mogę przenieść kredyt i oprocentowanie na kolejny dom?

Many mortgages let you take your current interest rate to a new home via the portability option (meeneemregeling), which is valuable if your rate is lower than the market. Conditions and time limits apply per lender, so check your mortgage terms before you sell. Combined with a bridging loan (overbruggingskrediet), it can make moving smoother.

Czy mogę sprzedać dom przed upływem 5 lat?

Yes, you can sell a Dutch home at any time, as there is no five-year rule preventing an early sale. What matters is whether the sale price covers your remaining mortgage and selling costs, and whether an early-repayment penalty (boeterente) applies on a fixed rate. If you bought recently, check these points before deciding.

Czy mogę sprzedać i kupić dom jednocześnie (kredyt pomostowy)?

Yes, but the timing of selling and buying rarely lines up perfectly, so many people use a bridging loan (overbruggingskrediet) to access the equity (overwaarde) in their current home before it is sold. This lets you buy your next home without waiting for the sale to complete. The bridging loan is repaid once your old home is sold.

Czy potrzebuję agenta sprzedającego (verkoopmakelaar)?

You are not legally required to use a selling agent (verkoopmakelaar), but many sellers do because the agent handles the valuation, photos, marketing, viewings and negotiations. Selling on your own (zelf verkopen) is possible if you are confident managing the price-setting, the koopovereenkomst and the paperwork. An agent often helps achieve a better price in a competitive market.

Jak krok po kroku sprzedać dom w Holandii?

Selling a house in the Netherlands usually involves setting an asking price (vraagprijs), often with a valuation, marketing the home, holding viewings, negotiating an offer and signing the purchase agreement (koopovereenkomst). The sale is completed at the notary (notaris), where your mortgage is repaid and any equity (overwaarde) is paid out. A selling agent (verkoopmakelaar) can manage the whole process.

Jak sprzedać holenderski dom, jeśli wracam do kraju?

Yes, you can sell your Dutch home even after you have left the country, and the sale can be handled remotely. A selling agent (verkoopmakelaar) takes care of the valuation, viewings, negotiations and paperwork, and you can give a power of attorney (volmacht) to the notary so you do not have to fly back for the transfer (overdracht). Once the mortgage and any selling costs are settled, the remaining equity (overwaarde) is paid out to you.

Jak ustalić, ile wart jest mój dom przed sprzedażą?

You can get an indication of your home's value (woningwaarde) from the WOZ value, recent sales of similar homes, or online valuation tools, but for an accurate figure you need a formal valuation report (taxatierapport) from a certified appraiser. Pricing it right from the start helps attract serious buyers. A selling agent can also set a market-based asking price.

Jakie są koszty sprzedaży domu w Holandii?

Typical selling costs include the estate agent's commission (courtage), an energy label (energielabel) if you do not have one, and sometimes an early-repayment penalty (boeterente) on your mortgage. These costs are usually settled from the sale proceeds at the notary. Any remaining amount after the mortgage is repaid is your equity (overwaarde).

Czy muszę remontować przed sprzedażą?

Niekoniecznie. W wielu przypadkach drobne poprawki — takie jak sprzątanie, uporządkowanie przestrzeni lub małe naprawy — mogą już zrobić dużą różnicę. Doradzamy, co warto zrobić, a czego nie, na podstawie zwrotu z inwestycji. Celem jest atrakcyjne i przejrzyste przedstawienie domu bez niepotrzebnych kosztów.