{"id":4258,"date":"2024-09-06T11:55:34","date_gmt":"2024-09-06T11:55:34","guid":{"rendered":"https:\/\/www.motty.no\/bezpieczenstwo-mieszkaniowe"},"modified":"2025-08-28T12:01:31","modified_gmt":"2025-08-28T12:01:31","slug":"bezpieczenstwo-mieszkaniowe","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/pl\/kredyt\/bezpieczenstwo-mieszkaniowe","title":{"rendered":"Kredyty mieszkaniowe"},"content":{"rendered":"\n<div\n    class=\"grid md:grid-cols-2 gap-8 mx-auto container md:px-6 xl:px-28 py-6 items-center\">\n    <div class=\"space-y-10\">\n        <div class=\"space-y-8 md:px-0 px-4\">\n            <h1 class=\"text-[32px] leading-[1.2] md:text-[60px] md:leading-[1.1] md:text-left text-center md:tracking-[-1.2px] font-recklessmedium\">Po\u017cyczki zabezpieczone nieruchomo\u015bciami<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Po\u017cyczki o znacznie ni\u017cszym oprocentowaniu i d\u0142u\u017cszych okresach sp\u0142aty.            <\/p>\n        <\/div>\n                    <ul class=\"space-y-4 hidden md:block\">\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Po\u017cyczki do 20 milion\u00f3w NOK.                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Okres sp\u0142aty do 30 lat                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Aplikacja cyfrowa                    <\/li>\n                            <\/ul>\n                <div class=\"trustpilot-widget w-fit md:block hidden\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n            <script src=\"https:\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\"><\/script>\n        <\/div>\n    <\/div>\n    <div>\n\n    <div data-config='{\"locale\":\"pl\"}' data-id=\"application-form-container\" data-current-form=\"0\" class=\"relative bg-fjellvann-medium-beige p-6 md:p-14 md:rounded-lg z-50\">\n                    <ul class=\"flex gap-2 justify-center mb-8\">\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"true\" data-id=\"mortgage\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Kredyt hipoteczny                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"consumerLoan\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Kredyt konsumencki                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"pl\",\"product\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\"}' id=\"application-form-0\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"pl\",\"product\":\"consumerLoan\"}' id=\"application-form-1\" data-id=\"application-form\"><\/div>\n                            <div class=\"trustpilot-widget mt-8 md:hidden block\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div id=\"tic-69f237a6a65dc\" class=\"text_image_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 lg:py-[120px] xl:px-28\">\n        <h2 class=\"text-center text-[32px] mb-10 md:mb-20 md:text-[40px]\">Jak ubiega\u0107 si\u0119 o zabezpieczon\u0105 po\u017cyczk\u0119 online<\/h2>\n                <div class=\"flex flex-col gap-10 flex-wrap md:gap-[35px] sm:flex-row\">\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/forst.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Pierwszy<\/h3><p>Wype\u0142nij wniosek i wy\u015blij go.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/sa.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Wi\u0119c&#8230;<\/h3><p>Por\u00f3wnaj oferty.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/bankid.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">W ko\u0144cu<\/h3><p>\u0141atwo podpisuj oferty po\u017cyczek za pomoc\u0105 BankID, a pieni\u0105dze zostan\u0105 wyp\u0142acone.<\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                        <div class=\"mt-20 p-8 rounded-lg flex gap-4 bg-fjellvann-medium-beige items-center text-image-columns-bottom\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"39\" viewBox=\"0 0 34 39\" fill=\"none\">\n            <path d=\"M16.4825 37.8473C14.4745 37.8221 12.8626 36.3904 12.879 35.0412C12.8848 34.5777 13.2489 34.206 13.6942 34.211L19.3558 34.2825C19.8 34.2886 20.1564 34.6684 20.1516 35.1329C20.1361 36.4206 18.4914 37.8715 16.4834 37.8463L16.4825 37.8473Z\" fill=\"#13C27F\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M21.5784 32.5984C21.5844 32.2352 21.3946 31.918 21.1114 31.7589C21.3995 31.6088 21.6003 31.2986 21.6062 30.9354C21.6152 30.4191 21.2276 29.9949 20.7407 29.9858L12.6201 29.8478C12.1332 29.8398 11.7317 30.251 11.7228 30.7673C11.7168 31.1305 11.9066 31.4477 12.1898 31.6068C11.9017 31.7569 11.7009 32.0671 11.695 32.4303C11.689 32.7935 11.8788 33.1107 12.162 33.2698C11.8738 33.4198 11.6731 33.73 11.6671 34.0932C11.6582 34.6095 12.0457 35.0338 12.5327 35.0428L20.6533 35.1809C21.1402 35.1889 21.5416 34.7776 21.5506 34.2613C21.5565 33.8981 21.3667 33.5809 21.0835 33.4218C21.3717 33.2718 21.5724 32.9616 21.5784 32.5984Z\" fill=\"#2264DC\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M26.6955 18.4163C26.7871 12.9086 22.4656 8.36801 17.0443 8.27489C11.623 8.18178 7.15363 12.5722 7.06198 18.0799C7.02059 20.5659 7.87897 22.8548 9.33163 24.6269C9.34937 24.6479 9.43117 24.7331 9.45383 24.7571C11.6555 27.138 12.6686 29.2406 12.6568 29.9534L16.6836 30.0225L20.7104 30.0916C20.7223 29.3807 21.8103 27.3232 24.0819 25.0244C24.1085 24.9974 24.1804 24.9153 24.1923 24.9013C25.7129 23.1782 26.6531 20.9124 26.6945 18.4163H26.6955Z\" fill=\"#F2EBE0\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M13.6064 12.1523C10.9833 13.4641 9.9412 16.6184 11.283 19.1826\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M11.6667 22.3335C12.0684 22.3335 12.394 22.0078 12.394 21.6062C12.394 21.2045 12.0684 20.8789 11.6667 20.8789C11.2651 20.8789 10.9395 21.2045 10.9395 21.6062C10.9395 22.0078 11.2651 22.3335 11.6667 22.3335Z\" fill=\"white\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M16.7578 1V5.84848\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M7.06055 4.39453L9.96964 8.27332\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 12.8789L5.60606 14.3335\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 23.06L5.60606 21.6055\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 22.8178L28.3936 21.3633\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 12.6367L28.3936 14.0913\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M26.6969 4.15234L24.0303 8.03113\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <\/svg>\n            <div class=\"w-[calc(100%-38px)]\">\n                <p><em>Oferty s\u0105 wa\u017cne przez oko\u0142o 30 dni. Je\u015bli i tak nie chcesz po\u017cyczki, po prostu zako\u0144cz proces. Wszystko odbywa si\u0119 elektronicznie i sprawnie dzi\u0119ki BankID.   <\/em><\/p>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"content__with_logo-69f237a6a847a\" class=\"content__with_logo-outer-container overflow-hidden relative\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:py-[120px] relative z-[5]\">\n        <div class=\"flex items-center\">\n            <div class=\"w-full md:w-1\/2\">\n                <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                    <h2 class=\"h2\">Kto mo\u017ce otrzyma\u0107 po\u017cyczk\u0119 zabezpieczon\u0105?<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Jeste\u015b w\u0142a\u015bcicielem domu lub innej nieruchomo\u015bci<\/li>\n<li>Masz uko\u0144czone 18 lat i sta\u0142y doch\u00f3d<\/li>\n<li>Mieszka\u0142e\u015b i p\u0142aci\u0142e\u015b podatki w Norwegii przez ostatnie trzy lata.<\/li>\n<\/ul>\n<\/div><div class=\"text-fjellvann-medium-blue content-rte bottom__rte\"><p><em><strong>Przyk\u0142ad po\u017cyczki<\/strong><\/em><br \/>\nNominalna stopa procentowa 7,25%. Efektywna stopa procentowa 7,68% dla po\u017cyczki w wysoko\u015bci 2 milion\u00f3w na 25 lat. Koszt: 2 379 341 NOK, &#8211; Suma: 4 379 431 NOK   <\/p>\n<\/div>                <\/div>\n            <\/div>            \n        <\/div>\n    <\/div>\n    <svg class=\"hidden md:block absolute right-0 top-1\/2 -translate-y-1\/2\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"621\" height=\"615\" viewBox=\"0 0 621 615\" fill=\"none\">\n    <path d=\"M420.964 63.3341L420.959 63.3383L420.267 63.9887L420.254 64.0015L420.24 64.0148L403.798 80.4079L324.378 159.591L115.995 367.352V232.451C115.995 168.64 167.27 115.878 231.243 115.508C255.037 115.372 277.205 122.411 295.688 134.598L296.554 135.17L297.29 134.437L377.164 54.8002L378.167 53.8008L377.068 52.908C336.156 19.6623 285.44 1.5728 231.937 1.5728C179.398 1.5728 129.536 19.0086 89.0061 51.1292V2.84766V1.5728H87.7312H3H1.72514V2.84766V231.09V234.565V591.732C1.72514 610.445 24.3987 619.789 37.6538 606.573L64.2586 580.051L63.3586 579.148L64.2588 580.051L86.4442 557.927L457.533 187.951L499.602 146.007C520.926 126.441 548.576 115.625 577.607 115.508C641.608 115.245 694.014 168.645 694.014 232.5V601.704C694.014 607.847 699.019 612.829 705.173 612.829H797.123C803.285 612.829 808.282 607.846 808.282 601.704V231.09C808.282 169.785 784.342 112.15 740.858 68.7961C697.383 25.4521 639.566 1.5728 578.085 1.5728C516.602 1.5728 463.73 23.5139 420.964 63.3341ZM347.872 580.43H349.147H460.873H462.147V579.155V238.59V235.519L459.972 237.687L348.247 349.076L347.872 349.45V349.979V579.155V580.43Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n    <\/svg>\n<\/div>\n\n<div id=\"69f237a6a891f\" class=\"feature_content-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 md:p-14 xl:p-28\">\n        <div class=\"flex flex-col gap-6 md:flex-row md:items-center md:gap-[40px] lg:gap-[80px]\">\n                            <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(47%-40px)] order-2 md:order-1\">\n                    <div class=\"flex flex-col gap-6 md:gap-8\">\n                        <h2 class=\"h2\">Najlepsza po\u017cyczka dla w\u0142a\u015bcicieli dom\u00f3w<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Je\u015bli jeste\u015b w\u0142a\u015bcicielem domu lub domku letniskowego, mo\u017cesz ubiega\u0107 si\u0119 o po\u017cyczk\u0119 ze znacznie ni\u017cszym oprocentowaniem i d\u0142u\u017cszym okresem sp\u0142aty.  <\/h3><div class=\"feature__content-text space-y-6\"><p>Je\u015bli posiadasz wolnorynkow\u0105 warto\u015b\u0107 swojego domu, mo\u017cesz ubiega\u0107 si\u0119 o nasz\u0105 najlepsz\u0105 opcj\u0119 po\u017cyczki!<\/p>\n<\/div>                        <\/div>\n                                                <div class=\"feature_content-btn\">\n                        <a id=\"\" href=\"#content\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 \">Wyszukaj teraz<\/a>                        <\/div>\n                                            <\/div>\n                <\/div>\n                                        <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(53%-40px)] order-1  md:order-2\">\n                                    <img decoding=\"async\" class=\"rounded-lg overflow-hidden border-b-8 border-b-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/boligjan-image.jpg\" alt=\"\" \/>\n                                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f237a6a9a9b\" class=\"feature_content-outer-container overflow-hidden relative\">\n<svg class=\"absolute top-0 left-0 hidden md:block\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"593\" height=\"615\" viewBox=\"0 0 593 615\" fill=\"none\">\n<path d=\"M203.964 63.4865L203.959 63.4906L203.267 64.141L203.254 64.1539L203.24 64.1671L186.798 80.5602L107.378 159.743L-101.005 367.504V232.603C-101.005 168.792 -49.7295 116.031 14.2431 115.66C38.0374 115.524 60.205 122.563 78.6877 134.751L79.5544 135.322L80.2896 134.589L160.164 54.9526L161.167 53.9531L160.068 53.0604C119.156 19.8147 68.44 1.72514 14.9375 1.72514C-37.6024 1.72514 -87.464 19.1609 -127.994 51.2815V3V1.72514H-129.269H-214H-215.275V3V231.243V234.718V591.884C-215.275 610.597 -192.601 619.941 -179.346 606.725L-152.741 580.203L-153.641 579.3L-152.741 580.203L-130.556 558.079L240.533 188.103L282.602 146.16C303.926 126.593 331.576 115.777 360.607 115.66C424.608 115.397 477.014 168.797 477.014 232.652V601.856C477.014 607.999 482.019 612.981 488.173 612.981H580.123C586.285 612.981 591.282 607.999 591.282 601.856V231.243C591.282 169.937 567.342 112.302 523.858 68.9484C480.383 25.6044 422.566 1.72514 361.085 1.72514C299.602 1.72514 246.73 23.6663 203.964 63.4865ZM130.872 580.582H132.147H243.873H245.147V579.307V238.743V235.671L242.972 237.84L131.247 349.229L130.872 349.602V350.131V579.307V580.582Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n<\/svg>\n    <div class=\"container mx-auto py-10 px-6 md:p-14 lg:py-28 xl:px-28 relative z-[5]\">\n        <h2 class=\"h2 text-center\">Kalkulator po\u017cyczki &#8211; Ile b\u0119dzie mnie kosztowa\u0107 po\u017cyczka?<\/h2>                <div data-product=\"Mortgage\" data-locale=\"pl\" data-type=\"loan cost\" class=\"mt-8 bg-fjellvann-medium-beige p-12 rounded-lg max-w-fit mx-auto\" id=\"loan-calculator\"><\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"rt-69f237a6aa570\" class=\"richtext_outer-container overflow-hidden\">\n    <div class=\"py-[60px] px-6 md:px-14 lg:py-20 xl:px-28\">\n        <div class=\"content_medium mx-auto flex flex-col gap-6 md:gap-10\">\n                        <div class=\"richtext__outer-header gap-8 flex flex-col content-left\">\n            <h2 class=\"h2\">Wszystko o po\u017cyczkach zabezpieczonych nieruchomo\u015bci\u0105<\/h2><p class=\"md:text-[20px] lg:text-[24px]\">Tutaj zebrali\u015bmy informacje o wszystkim, co musisz wiedzie\u0107 o po\u017cyczkach zabezpieczonych nieruchomo\u015bci\u0105. Zastanawiasz si\u0119 nad czym\u015b, na co nie odpowiedzieli\u015bmy tutaj? Skontaktuj si\u0119 z nami, a pomo\u017cemy Ci!  <\/p>            <\/div>\n                        <div class=\"richtext__contents content-rte spacing_content-large\">\n                <h3>Co oznacza po\u017cyczka hipoteczna?<\/h3>\n<p>Po\u017cyczka zabezpieczona nieruchomo\u015bci\u0105 oznacza, \u017ce udzielasz bankowi zabezpieczenia. Zabezpieczenie to mo\u017cna nazwa\u0107 gwarancj\u0105, \u017ce bank otrzyma pieni\u0105dze, je\u015bli nie sp\u0142acisz kredytu. Zabezpieczeniem jest cz\u0119sto nieruchomo\u015b\u0107, na kt\u00f3rej bank uzyskuje hipotek\u0119 i kt\u00f3r\u0105 mo\u017ce sprzeda\u0107.  <\/p>\n<p>Kiedy zapewniasz bankowi zabezpieczenie po\u017cyczki, bank naturalnie podejmuje mniejsze ryzyko przy po\u017cyczaniu pieni\u0119dzy. Dlatego mog\u0105 oferowa\u0107 ni\u017csze stopy procentowe i znacznie d\u0142u\u017csze okresy sp\u0142aty kredyt\u00f3w hipotecznych ni\u017c po\u017cyczek niezabezpieczonych (np. po\u017cyczek konsumenckich). Im wi\u0119ksz\u0105 gwarancj\u0119 zapewniasz, tym ta\u0144sza mo\u017ce by\u0107 Twoja po\u017cyczka.  <\/p>\n<p>Domy cz\u0119sto zyskuj\u0105 na warto\u015bci ka\u017cdego roku. Warto\u015b\u0107 samochodu spada ka\u017cdego roku. Je\u015bli masz nieruchomo\u015b\u0107 jako zabezpieczenie kredytu, otrzymasz lepsze warunki od banku.  <\/p>\n<p>Po\u017cyczki zabezpieczone s\u0105 okre\u015blane jako po\u017cyczki hipoteczne, po\u017cyczki zabezpieczone na domach, po\u017cyczki zabezpieczone na samochodach, po\u017cyczki zabezpieczone na ziemi lub innych nieruchomo\u015bciach, takich jak domki, drugie po\u017cyczki hipoteczne i po\u017cyczki hipoteczne. <\/p>\n<h3>Czy mog\u0119 samodzielnie posiada\u0107 nieruchomo\u015b\u0107?<\/h3>\n<p>Aby ubiega\u0107 si\u0119 o po\u017cyczk\u0119 zabezpieczon\u0105, musisz by\u0107 w stanie zapewni\u0107 bankowi zabezpieczenie. Aby kwalifikowa\u0107 si\u0119 do po\u017cyczki zabezpieczonej, musisz posiada\u0107 dom lub inn\u0105 nieruchomo\u015b\u0107 samodzielnie lub wsp\u00f3lnie z kim\u015b (konkubentem, partnerem lub ma\u0142\u017conkiem). Zabezpieczeniem mo\u017ce by\u0107 r\u00f3wnie\u017c np. nieruchomo\u015b\u0107 rodzic\u00f3w lub innej bliskiej rodziny, w kt\u00f3rym to przypadku musz\u0105 oni zatwierdzi\u0107 to poprzez podpisanie dokument\u00f3w hipotecznych.  <\/p>\n<h3>Czy musz\u0119 wystawi\u0107 sw\u00f3j dom jako zabezpieczenie po\u017cyczki?<\/h3>\n<p>Aby uzyska\u0107 zabezpieczon\u0105 po\u017cyczk\u0119 z nisk\u0105 stop\u0105 procentow\u0105 i d\u0142ugim okresem sp\u0142aty, musisz by\u0107 w stanie zapewni\u0107 zabezpieczenie po\u017cyczki. Posiadana nieruchomo\u015b\u0107 stanowi w\u00f3wczas bezpieczn\u0105 gwarancj\u0119 dla banku. Je\u015bli nie chcesz lub nie mo\u017cesz zastawi\u0107 swojego domu, innej nieruchomo\u015bci lub przedmiot\u00f3w jako zabezpieczenia po\u017cyczki, mo\u017cesz ubiega\u0107 si\u0119 o po\u017cyczk\u0119 konsumenck\u0105. Je\u015bli jeste\u015b w\u0142a\u015bcicielem domu wraz z inn\u0105 osob\u0105, musi ona r\u00f3wnie\u017c wyrazi\u0107 zgod\u0119 na wykorzystanie domu, kt\u00f3rego jeste\u015bcie w\u0142a\u015bcicielami, jako zabezpieczenia po\u017cyczki. Zabezpieczeniem mo\u017ce by\u0107 r\u00f3wnie\u017c na przyk\u0142ad nieruchomo\u015b\u0107 rodzic\u00f3w lub innej bliskiej rodziny, w kt\u00f3rym to przypadku musz\u0105 oni wyrazi\u0107 na to zgod\u0119, podpisuj\u0105c dokumenty hipoteczne.    <\/p>\n<h3>Zabezpieczenie w postaci nieruchomo\u015bci skutkuje ni\u017cszymi stopami procentowymi<\/h3>\n<p>Gdy banki posiadaj\u0105 nieruchomo\u015b\u0107 jako zabezpieczenie, mog\u0105 zaoferowa\u0107 ni\u017csze stopy procentowe i znacznie d\u0142u\u017csze okresy sp\u0142aty ni\u017c w przypadku po\u017cyczek niezabezpieczonych. Banki s\u0105 bardziej przekonane do po\u017cyczania du\u017cych kwot, gdy maj\u0105 hipotek\u0119 i zabezpieczenie w cennej nieruchomo\u015bci. Je\u015bli po\u017cyczka nie zostanie sp\u0142acona, w najgorszym przypadku bank mo\u017ce zrealizowa\u0107 nieruchomo\u015b\u0107, aby pokry\u0107 d\u0142ug. Uspokaja to bank, dzi\u0119ki czemu mo\u017cna uzyska\u0107 ta\u0144sz\u0105 po\u017cyczk\u0119.   <\/p>\n<h3>Po\u017cyczki na ulepszenie domu zabezpieczone nieruchomo\u015bci\u0105<\/h3>\n<p>Potrzebujesz pieni\u0119dzy na remont domu, inwestycj\u0119 w domek letniskowy, \u0142\u00f3d\u017a, samoch\u00f3d lub co\u015b innego? Mo\u017cesz zrobi\u0107 to wszystko bez ubiegania si\u0119 o drogi kredyt konsumencki z wysokim oprocentowaniem i kr\u00f3tkim okresem sp\u0142aty. Je\u015bli posiadasz nieruchomo\u015b\u0107, jej warto\u015b\u0107 rynkowa mo\u017ce da\u0107 Ci mo\u017cliwo\u015b\u0107 po\u017cyczenia pieni\u0119dzy z nasz\u0105 najlepsz\u0105 opcj\u0105 po\u017cyczki. Je\u015bli ubiegasz si\u0119 o po\u017cyczk\u0119 zabezpieczon\u0105 nieruchomo\u015bci\u0105, pomo\u017cemy Ci na ka\u017cdym kroku zdecydowa\u0107, co jest dla Ciebie najbardziej op\u0142acalne w Twojej sytuacji. Przeczytaj wi\u0119cej o po\u017cyczkach na remont domu tutaj.    <\/p>\n<h3>Kto mo\u017ce otrzyma\u0107 po\u017cyczk\u0119 zabezpieczon\u0105 nieruchomo\u015bci\u0105?<\/h3>\n<p>Je\u015bli masz uko\u0144czone 18 lat, masz sta\u0142y doch\u00f3d i mo\u017cesz przedstawi\u0107 zabezpieczenie, mo\u017cesz ubiega\u0107 si\u0119 o kredyt hipoteczny. Nie mo\u017cesz zapewni\u0107 zabezpieczenia? &#8211; <a href=\"https:\/\/www.motty.no\/lan\/billig-lan-uten-sikkerhet\">Z\u0142\u00f3\u017c wniosek o niezabezpieczon\u0105 po\u017cyczk\u0119 tutaj<\/a>.  <\/p>\n<p>Ubieganie si\u0119 o po\u017cyczk\u0119 za po\u015brednictwem Motty jest bezp\u0142atne i niezobowi\u0105zuj\u0105ce.<\/p>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-69f237a6ac2c3\" class=\"calltoaction-outer-container overflow-hidden globalcta\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28\">\n        <div class=\"rounded-lg bg-fjellvann-medium-beige py-14 px-5 md:px-[50px] lg:px-[100px]\">\n            <div class=\"flex flex-col-reverse gap-10 md:gap-[57px] md:flex-row md:items-center\">\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(592px)]\">\n                                        <div class=\"flex flex-col gap-6 text-center md:text-left\">\n                    <h2 class=\"h2 max-w-[592px]\">Nadal masz pytania?<\/h2><p class=\"text-[18px] md:text-[24px] font-recklessregular\">Skontaktuj si\u0119 z nami, a my Ci pomo\u017cemy! Odpowiemy na wszystkie twoje pytania i rozwiejemy wszelkie w\u0105tpliwo\u015bci.<\/p>                    <\/div>\n                                                            <div class=\"mt-10\">\n                            <a id=\"\" href=\"https:\/\/www.motty.no\/pl\/kontakt\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Kontakt<\/a>                    <\/div>\n                                    <\/div>\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(100%-620.5px)]\">\n                    <img decoding=\"async\" class=\"w-[174px] h-auto mx-auto md:m-0 md:w-full md:h-full object-cover\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/faq_prefooter.svg\" alt=\"faq_prefooter\" \/>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"slb-69f237a6ad289\" class=\"services__link-block-outer-container\">\n    <div class=\"max-w-[1080px] mx-auto py-6 px-0 md:px-14 md:py-16 xl:px-28 \">\n        <div class=\"hidden md:flex md:flex-wrap md:gap-8 md:items-center md:justify-center\">\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-gotowkowy-norwegia\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Tani kredyt got\u00f3wkowy<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-na-samochod-norwegia\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Kredyt samochodowy<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-na-remont-norwegia\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Kredyt na remont domu Norwegia<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-specjalny\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Kredyt specjalny &#8211; dla tych, kt\u00f3rym odm\u00f3wiono pomocy<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kabiny-z-bezpieczenstwem-w-mieszkaniu\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Kredyt na hytt\u0119 z zabezpieczeniem w nieruchomo\u015bci<\/span>            <\/a>\n                    <\/div>\n        <div class=\"block md:hidden\">\n            <div id=\"post4258\" class=\"swiper archive_swiper\" data-swiper=\"post4258\">\n                <div class=\"swiper-wrapper\">\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-gotowkowy-norwegia\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Tani kredyt got\u00f3wkowy<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-na-samochod-norwegia\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Kredyt samochodowy<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-na-remont-norwegia\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Kredyt na remont domu Norwegia<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kredyt-specjalny\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Kredyt specjalny &#8211; dla tych, kt\u00f3rym odm\u00f3wiono pomocy<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/pl\/kredyt\/kabiny-z-bezpieczenstwem-w-mieszkaniu\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Kredyt na hytt\u0119 z zabezpieczeniem w nieruchomo\u015bci<\/span>                        <\/a>\n                    <\/div>\n\n                                    <\/div>\n                <div class=\"sp-pagination-post4258 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-69f237a6b099b\" class=\"related_articles-outer-container\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:pt-14 lg:pb-28\">\n        <div class=\"flex flex-col text-center gap-8\">\n                        <h2 class=\"h2\">Artyku\u0142y o po\u017cyczkach<\/h2>\n                    <\/div>\n                <div class=\"mt-14 flex flex-col gap-14 items-center\">\n            <div class=\"flex flex-col gap-8 flex-wrap md:flex-row\">\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/gjeldsregisteret\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/6Namnlo-st-1-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/gjeldsregisteret\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvor mye har du i gjeld? Slik sjekker du<\/h3><p>Hvor mye har du i gjeld? Slik sjekker du&nbsp; \u00c5 ha oversikt over gjelden din er&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forskjell-selveier-andel\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/pexels-photo-129494-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forskjell-selveier-andel\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hva er forskjellen p\u00e5 andel-, aksje- og selveierleilighet?<\/h3><p>Andelsleilighet gir bruksrett gjennom borettslag med fellesgjeld og fellesutgifter, selveierleilighet gir full eiendomsrett uten fellesgjeld, og&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full \" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forhandle-med-kreditorer\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/pexels-mikhail-nilov-6963847-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forhandle-med-kreditorer\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvordan forhandle med kreditorer?<\/h3><p>N\u00e5r gjelden kjennes tung og vanskelig, kan det \u00e5 forhandle med kreditoren v\u00e6re en l\u00f8sning. Vi&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <\/div>\n            <a id=\"\" href=\"https:\/\/www.motty.no\/pl\/artykuly\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Czytaj wi\u0119cej<\/a>        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"featured_media":0,"parent":4383,"menu_order":0,"template":"","class_list":["post-4258","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester"}],"about":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/types\/tjenester"}],"version-history":[{"count":5,"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4258\/revisions"}],"predecessor-version":[{"id":6929,"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4258\/revisions\/6929"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/tjenester\/4383"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/pl\/wp-json\/wp\/v2\/media?parent=4258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}