{"id":4440,"date":"2024-09-18T21:07:22","date_gmt":"2024-09-18T21:07:22","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=4440"},"modified":"2024-10-29T12:42:54","modified_gmt":"2024-10-29T12:42:54","slug":"5-millioner-med-sikkerhet","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/pl\/5-millioner-med-sikkerhet","title":{"rendered":"15 milion\u00f3w z zabezpieczeniem"},"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\">Wnioskuj nawet o 15 milion\u00f3w z zabezpieczeniem<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Uzyskaj znacznie ni\u017csze oprocentowanie i wyd\u0142u\u017c okres 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                        Kredyt do 15 milion\u00f3w kr                    <\/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                        Najni\u017csze oprocentowanie                    <\/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-69fa29ebc4135\" 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 bezp\u0142atnie ubiega\u0107 si\u0119 o kredyt 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\">1<\/h3><p>Uzupe\u0142niasz wniosek.<\/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\/refinancing-sa.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">2<\/h3><p>Sprawdzamy i wysy\u0142amy wniosek do bank\u00f3w. Otrzymujesz od nas oferty na maila.<\/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\/refinancing-til-slutt.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">3<\/h3><p>Por\u00f3wnujesz oferty i wybierasz najkorzystniejsz\u0105. Podpisujesz umow\u0119 kredytow\u0105 przy pomocy BankID.<\/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 nie zdecydujesz si\u0119 na wzi\u0119cie po\u017cyczki, wystarczy zako\u0144czy\u0107 proces i nie sk\u0142ada\u0107 podpisu. Proces odbywa si\u0119 drog\u0105 elektroniczn\u0105 przy u\u017cyciu BANKID.<\/em><\/p>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"69fa29ebc71ec\" 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 opcja dla w\u0142a\u015bcicieli nieruchomo\u015bci<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Je\u015bli posiadasz dom, mieszkanie lub domek letniskowy w Norwegii mo\u017cesz ubiega\u0107 si\u0119 o kredyt ze znacznie ni\u017cszym oprocentowaniem i d\u0142u\u017cszym okresem sp\u0142aty.<\/h3><div class=\"feature__content-text space-y-6\"><p>Dobierz \u015brodki z zabezpieczeniem w swojej nieruchomo\u015bci!<\/p>\n<h3>Jak wnioskowa\u0107?<\/h3>\n<ul>\n<li><span data-sheets-root=\"1\">Wype\u0142nij i wy\u015blij wniosek przez nasz\u0105 stron\u0119.<\/span><\/li>\n<li><span data-sheets-root=\"1\">Sprawdzamy i wysy\u0142amy wniosek do bank\u00f3w.<\/span><\/li>\n<li><span data-sheets-root=\"1\">Otrzymasz oferty od bank\u00f3w w ci\u0105gu 1-3 dni roboczych.<\/span><\/li>\n<li><span data-sheets-root=\"1\">Por\u00f3wnujesz oferty i wybierasz najkorzystniejsz\u0105.<\/span><\/li>\n<li><span data-sheets-root=\"1\">Podpisujesz umow\u0119 kredytow\u0105 przy pomocy BankID.<\/span><\/li>\n<\/ul>\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 \">Wnioskuj<\/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\/refinancing-image.jpg\" alt=\"\" \/>\n                                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cc-69fa29ebc8756\" class=\"text_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-12 px-6 md:py-14 md:px-14 lg:py-[120px] xl:px-28\">\n        <div class=\"flex flex-col flex-wrap md:flex-row gap-12 lg:gap-20\">\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\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\">Przydatne informacje o kredycie z zabezpieczeniem<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Mo\u017cesz wnioskowa\u0107 nawet o 15 milion\u00f3w kr<\/li>\n<li>Oprocentowanie od 3.99% \u2013 9,99 %<\/li>\n<li>Okres sp\u0142aty do 30 lat<\/li>\n<li>Koszt utworzenia kredytu to od 1 % \u2013 3,75 % kwoty kredytu<\/li>\n<li>Nie musisz przenosi\u0107 swojego kredytu hipotecznego do innego banku<\/li>\n<li>Mo\u017cesz sp\u0142aci\u0107 ca\u0142y kredyt w dowolnym momencie<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><h3>Przyk\u0142ad<\/h3>\n<p>Kredyt na kwot\u0119 2 mln kr, o okresie sp\u0142aty 25 lat, oprocentowaniu rzeczywistym 6,33%, b\u0119dzie kosztowa\u0142 1 843 586 kr. Ca\u0142kowita kwota kredytu wyniesie wi\u0119c 3 843 586 kr.<\/p>\n<\/div>                    <\/div>\n                <\/div>\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\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\">Mo\u017cesz wnioskowa\u0107, je\u015bli:<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Jeste\u015b w\u0142a\u015bcicielem domu lub innej nieruchomo\u015bci w Norwegii<\/li>\n<li>Masz uko\u0144czone 18 lat<\/li>\n<li>Posiadasz sta\u0142y doch\u00f3d<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p>Wszystkie banki w Norwegii przeprowadzaj\u0105 ocen\u0119 kredytow\u0105 wnioskodawc\u00f3w.<\/p>\n<p><a href=\"https:\/\/www.motty.no\/pl\/ressurser\/bankordlisten\/kredittsjekk\">Czym jest ocena kredytowa?<\/a><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69fa29ebcadae\" 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 kredytowy &#8211; Ile wyniesie kredyt?<\/h2>        <p class=\"text-center mt-6 text-lg text-fjellvann-dark-blue max-w-[900px] mx-auto\">Wpisz kwot\u0119, kt\u00f3r\u0105 chcesz po\u017cyczy\u0107, okres sp\u0142aty oraz oprocentowanie i dowiedz si\u0119, jaka b\u0119dzie miesi\u0119czna rata. Mo\u017cesz tak\u017ce zobaczy\u0107 harmonogram sp\u0142at.<\/p>        <div data-product=\"ConsumerLoan\" 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=\"69fa29ebcb6b5\" class=\"flexible__content-outer-container\">\n    <div class=\"container mx-auto md:px-14 md:py-14 xl:px-28\">\n        <div class=\"flex flex-col md:flex-row gap-10 xl:gap-20 items-start\">\n                                                    <div class=\"flexible__contents-inner-container px-6 md:px-0 md:w-[calc(60%-20px)] md:order-1 xl:w-[65ch] mx-auto\">\n                    <div class=\"flexible__contents-inner-items flex flex-col gap-12 md:gap-14 lg:gap-20\">\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h2>Wszystko o kredytach z zabezpieczeniem<\/h2>\n                                    <\/div>\n                                                                    <div class=\"flexible__contents-accordion\">\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Czym jest kredyt z zabezpieczeniem w nieruchomo\u015bci?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Kredyt zabezpieczony nieruchomo\u015bci\u0105 oznacza dok\u0142adnie to, \u017ce \u200b\u200bdajesz bankowi gwarancj\u0119, \u017ce nie b\u0119dzie stratny w wypadku niesp\u0142acenia przez Ciebie po\u017cyczki. Zabezpieczeniem tym jest zazwyczaj dom, na kt\u00f3rym bank zaci\u0105ga hipotek\u0119, i kt\u00f3ry w takiej sytuacji b\u0119dzie m\u00f3g\u0142 sprzeda\u0107.<\/p>\n<p>&nbsp;<\/p>\n<p>Kiedy dajesz bankowi tak\u0105 gwarancj\u0119, podejmuje on mniejsze ryzyko po\u017cyczaj\u0105c Ci pieni\u0105dze. Mo\u017ce zatem zaoferowa\u0107 ni\u017csze oprocentowanie i znacznie d\u0142u\u017cszy okres sp\u0142aty ni\u017c w przypadku kredyt\u00f3w niezabezpieczonych (np. kredyt\u00f3w konsumenckich). Im wi\u0119ksz\u0105 gwarancj\u0119 udzielisz bankowi, tym ta\u0144szy b\u0119dzie Tw\u00f3j kredyt.<\/p>\n<p>&nbsp;<\/p>\n<p>Warto\u015b\u0107 nieruchomo\u015bci ro\u015bnie z roku na rok. Natomiast warto\u015b\u0107 samochodu maleje. Je\u015bli wykorzystasz dom jako zabezpieczenie kredytu, mo\u017cesz liczy\u0107 na lepsz\u0105 ofert\u0119 od banku.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Czy musz\u0119 by\u0107 w\u0142a\u015bcicielem nieruchomo\u015bci \u017ceby m\u00f3c wnioskowa\u0107?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Aby otrzyma\u0107 kredyt o niskim oprocentowaniu i d\u0142ugim okresie sp\u0142aty, musisz by\u0107 w stanie zapewni\u0107 bankowi zabezpieczenie. Nieruchomo\u015b\u0107 stanowi gwarancj\u0119 dla banku, \u017ce nie b\u0119dzie stratny, w wypadku kiedy nie sp\u0142acisz kredytu.<\/p>\n<p>&nbsp;<\/p>\n<p>Je\u015bli nie chcesz lub nie mo\u017cesz zapewni\u0107 zabezpieczenia w postaci nieruchomo\u015bci lub innej cz\u0119\u015bci maj\u0105tku, mo\u017cesz ubiega\u0107 si\u0119 o kredyt konsumencki.<\/p>\n<p>&nbsp;<\/p>\n<p>Je\u015bli jeste\u015b w\u0142a\u015bcicielem domu razem z inn\u0105 osob\u0105, ta osoba musi wyrazi\u0107 zgod\u0119 na wykorzystanie wsp\u00f3lnie posiadanej nieruchomo\u015bci jako zabezpieczenia kredytu, podpisuj\u0105c dokumenty hipoteczne. Zabezpieczeniem Twojego kredytu mo\u017ce by\u0107 r\u00f3wnie\u017c nieruchomo\u015b\u0107 rodzic\u00f3w lub innej bliskiej osoby.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kto mo\u017ce wnioskowa\u0107?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Mo\u017cesz ubiega\u0107 si\u0119 o kredyt z zabezpieczeniem je\u015bli masz uko\u0144czone 18 lat,\u00a0 masz sta\u0142y doch\u00f3d i posiadasz nieruchomo\u015b\u0107 lub inn\u0105 form\u0119 maj\u0105tku, kt\u00f3r\u0105 mo\u017cesz wykorzysta\u0107 jako gwarancj\u0119 dla banku.<\/p>\n<p>&nbsp;<\/p>\n<p>Nie mo\u017cesz lub nie chcesz zapewni\u0107 zabezpieczenia? &#8211; <a href=\"https:\/\/www.motty.no\/lan\/billig-lan-uten-sikkerhet\">Wnioskuj o kredyt bez zabezpiecze\u0144<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Wnioskowanie za po\u015brednictwem Motty jest bezp\u0142atne i niezobowi\u0105zuj\u0105ce.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\n                                                                    <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h3>Kredyt z zabezpieczeniem zapewnia ni\u017csze oprocentowanie<\/h3>\n<p>Gdy banki dostaj\u0105 zabezpieczenie w nieruchomo\u015bci, mog\u0105 zaoferowa\u0107 znacznie ni\u017csze oprocentowanie i d\u0142u\u017cszy okres sp\u0142aty ni\u017c w przypadku kredyt\u00f3w bez zabezpieczenia. Dzi\u0119ki tej gwarancji mo\u017cna wnioskowa\u0107 o du\u017co wy\u017csze kwoty. Je\u017celi kredyt nie zostanie sp\u0142acony, bank mo\u017ce sprzeda\u0107 nieruchomo\u015b\u0107 i wykorzysta\u0107 pieni\u0105dze na pokrycie zad\u0142u\u017cenia.<\/p>\n<h3>Czym jest refinansowanie z zabezpieczeniem w nieruchomo\u015bci?<\/h3>\n<p>\u0141\u0105cz\u0105c kilka zobowi\u0105za\u0144 w jedno w kredycie hipotecznym, mo\u017cesz zaoszcz\u0119dzi\u0107 sporo pieni\u0119dzy. Refinansowanie kredytu hipotecznego polega na podwy\u017cszeniu kwoty kredytu lub przeniesieniu go do innego banku.<\/p>\n<p><strong>Podwy\u017cszenie kwoty kredytu:<\/strong><\/p>\n<p>Jednym ze sposob\u00f3w na refinansowanie jest podwy\u017cszenie kwoty kredytu hipotecznego. Celem mo\u017ce by\u0107 np. remont, rozbudowa domu, pomoc dla dzieci, aby mog\u0142y wej\u015b\u0107 na rynek mieszkaniowy, albo finansowanie innych potrzeb.<\/p>\n<p>Kredyt hipoteczny to jeden z najta\u0144szych kredyt\u00f3w, jakie mo\u017cesz mie\u0107, dlatego cz\u0119sto op\u0142aca si\u0119 go zwi\u0119kszy\u0107, zamiast zaci\u0105ga\u0107 nowe kredyty.<\/p>\n<p><strong>Przeniesienie kredytu do innego banku:<\/strong><\/p>\n<p>Innym sposobem b\u0119dzie przeniesienie kredytu hipotecznego z jednego banku do drugiego. To rozwi\u0105zanie pozwala uzyska\u0107 lepsze warunki kredytu. Warto zatem sprawdzi\u0107 swoje opcje w r\u00f3\u017cnych bankach. Wybieraj\u0105c odpowiedni bank, mo\u017cesz zaoszcz\u0119dzi\u0107 du\u017co pieni\u0119dzy.<\/p>\n<p>Mo\u017cemy sprawdzi\u0107 Twoje mo\u017cliwo\u015bci w bankach, z kt\u00f3rymi wsp\u00f3\u0142pracujemy. Ch\u0119tnie te\u017c pomo\u017cemy w wyborze najlepszej oferty.<\/p>\n<h3>Im wi\u0119cej &#8222;wolnej warto\u015bci&#8221;, tym lepsze oprocentowanie<\/h3>\n<p>Za\u0142\u00f3\u017cmy, \u017ce masz wzi\u0119ty kredyt hipoteczny na dom, a warto\u015b\u0107 Twojej nieruchomo\u015bci przewy\u017csza kwot\u0119 tego kredytu. Masz wtedy tzw. \u201ewoln\u0105 warto\u015b\u0107\u201d na nieruchomo\u015bci, co umo\u017cliwia refinansowanie lub zwi\u0119kszenie kwoty kredytu hipotecznego.<\/p>\n<p>Oprocentowanie kredytu zabezpieczonego nieruchomo\u015bci\u0105 obliczane jest indywidualnie, ale im wi\u0119ksza &#8222;wolna warto\u015b\u0107&#8221; domu, tym ta\u0144szy kredyt.<\/p>\n<h3>Motty pomaga!<\/h3>\n<p>Pomagamy uporz\u0105dkowa\u0107 Twoje finanse. Znamy rynek, a dzi\u0119ki wieloletniemu do\u015bwiadczeniu mo\u017cemy udzieli\u0107 przydatnych wskaz\u00f3wek i porad.<\/p>\n<p>Skontaktuj si\u0119 z nami telefonicznie: <a href=\"tel:+47 928 79 709\">+47 928 79 709<\/a> lub mailowo na: <a href=\"mailto:info@motty.no\">info@motty.no<\/a><\/p>\n                                    <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"ra-69fa29ebcf8fa\" 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<\/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\/pl\/artikler\/finanse-prywatne\/kredyt-hipoteczny-w-norwegii\"><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\/09\/Norwegian-houses-wall.png\"><\/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\/pl\/artikler\/finanse-prywatne\/kredyt-hipoteczny-w-norwegii\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Kredyt hipoteczny w Norwegii \u2013 wszystko, co musisz wiedzie\u0107<\/h3><p>Kredyt hipoteczny w Norwegii to dobre rozwi\u0105zanie dla os\u00f3b, kt\u00f3re 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