{"id":5089,"date":"2024-11-26T15:39:41","date_gmt":"2024-11-26T15:39:41","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=5089"},"modified":"2024-11-26T15:39:41","modified_gmt":"2024-11-26T15:39:41","slug":"refinansowanie-z-zabezpieczeniem","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/pl\/refinansowanie-z-zabezpieczeniem","title":{"rendered":"Refinansowanie z zabezpieczeniem"},"content":{"rendered":"<div id=\"69d0056a16ca3\" class=\"page__banner-outer-container relative\">\n    <div class=\"container mx-auto py-10 px-6 md:px-14 md:py-14 xl:px-28\">\n                <div class=\"max-w-full lg:max-w-[862px] flex flex-col gap-6 lg:gap-8\">\n            <h1 class=\"h1 lg:max-w-[543px]\">Refinansowanie z zabezpieczeniem w nieruchomo\u015bci<\/h1><div class=\"page__banner-contents-rte content-rte lg:text-[24px]\"><p>Masz wiele drogich kredyt\u00f3w, kt\u00f3re generuj\u0105 wysokie miesi\u0119czne op\u0142aty? Dobrym rozwi\u0105zaniem b\u0119dzie refinansowanie z zabezpieczeniem w nieruchomo\u015bci. W ten spos\u00f3b uzyskasz lepsze warunki kredytu.<\/p>\n<p>Refinansuj\u0105c z zabezpieczeniem w nieruchomo\u015bci, zyskasz ni\u017csze oprocentowanie, zaoszcz\u0119dzisz na op\u0142atach i wyd\u0142u\u017cysz okres sp\u0142aty.<\/p>\n<\/div>        <\/div>\n            <\/div>\n    <svg class=\"hidden absolute top-0 right-0 lg:block\" width=\"467\" height=\"719\" viewBox=\"0 0 467 719\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M492.327 74.0103L492.323 74.0144L491.513 74.7762L491.499 74.7891L491.486 74.8024L472.243 94.0042L379.29 186.754L135.031 430.481V271.943C135.031 197.08 195.138 135.179 270.132 134.745C298.024 134.585 324.011 142.843 345.677 157.142L346.545 157.714L347.28 156.98L440.764 63.6989L441.766 62.6999L440.668 61.8074C392.825 22.8971 333.515 1.72514 270.946 1.72514C209.35 1.72514 150.904 22.2331 103.443 60.0049V3V1.72514H102.168H3H1.72514V3V270.349V274.419V692.781C1.72514 714.503 28.0263 725.356 43.4053 710.01L74.5434 678.944L73.6429 678.042L74.5435 678.944L100.509 653.03L534.827 219.663L584.067 170.53C609.064 147.573 641.48 134.882 675.512 134.745C750.54 134.436 811.972 197.085 811.972 272V704.462C811.972 711.536 817.731 717.275 824.815 717.275H932.432C939.526 717.275 945.275 711.535 945.275 704.462V270.349C945.275 198.598 917.279 131.144 866.427 80.4028C815.585 29.6732 747.973 1.72514 676.072 1.72514C604.169 1.72514 542.342 27.4039 492.327 74.0103ZM406.851 679.325H408.126H538.889H540.164V678.05V279.134V276.061L537.988 278.232L407.226 408.705L406.851 409.079V409.608V678.05V679.325Z\" stroke=\"#2264DC\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n    <\/svg>\n<\/div>\n\n<div id=\"69d0056a1759d\" 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-sidebar md:sticky top-14 w-full md:order-2 grow md:w-[calc(40%-20px)]\">\n                    \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 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>Czym jest refinansowanie z zabezpieczeniem w nieruchomo\u015bci?<\/h2>\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<h3>Podwy\u017cszenie kwoty kredytu:<\/h3>\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<h3>Przeniesienie kredytu do innego banku:<\/h3>\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                                    <\/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\">Jak dzia\u0142a refinansowanie?<\/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><span data-sheets-root=\"1\">Kiedy refinansujesz, otrzymujesz nowy kredyt, aby zredukowa\u0107 ilo\u015b\u0107 kart kredytowych i drogich po\u017cyczek o wysokim oprocentowaniu. Warto refinansowa\u0107 nawet jedno zobowi\u0105zanie by pozby\u0107 si\u0119 wysokiego oprocentowania, rat i dodatkowych op\u0142at.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-sheets-root=\"1\">Refinansowanie dzia\u0142a w nast\u0119puj\u0105cy spos\u00f3b: Twoje zad\u0142u\u017cenie jest usuwane i zast\u0119powane now\u0105 po\u017cyczk\u0105 o ni\u017cszych kosztach i oprocentowaniu ni\u017c wcze\u015bniej.<\/span><\/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\">Ile mog\u0119 zaoszcz\u0119dzi\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><span data-sheets-root=\"1\">Istniej\u0105 dwa sposoby na zaoszcz\u0119dzenie pieni\u0119dzy. Mo\u017cesz sp\u0142aci\u0107 zobowi\u0105zania tak szybko, jak to mo\u017cliwe lub je refinansowa\u0107 dzi\u0119ki nowemu rozwi\u0105zaniu o ni\u017cszym oprocentowaniu i ni\u017cszych kosztach. Rodzaje oprocentowania oferowane przez banki s\u0105 r\u00f3\u017cne &#8211; my zajmiemy si\u0119 znalezieniem dla Ciebie najni\u017cszego!<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-sheets-root=\"1\">Drugi przyk\u0142ad oszcz\u0119dno\u015bci to skr\u00f3cenie okresu sp\u0142aty:<br \/>\nPo\u017cyczka w wysoko\u015bci 100 000 kr, z oprocentowaniem nominalnym 15% i okresem sp\u0142aty wynosz\u0105cym 10 lat, kosztuje 100 000 kr odsetek. Je\u015bli skr\u00f3cisz okres sp\u0142aty do 3 lat, ta sama po\u017cyczka b\u0119dzie kosztowa\u0107 28 000 kr odsetek. Ponadto oszcz\u0119dzasz pieni\u0105dze na op\u0142atach, kt\u00f3rych nie musisz p\u0142aci\u0107!<\/span><\/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 wykorzysta\u0107 nieruchomo\u015b\u0107 jako zabezpieczenie kredytu?<\/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. 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>\n                                                                    <div class=\"flexible__contents-image\">\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\/07\/refinansering-bilde.webp\" alt=\"\" \/>\n                                    <\/div>\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h3>Jak refinansowa\u0107 kredyt hipoteczny?<\/h3>\n<p>Z nami szybko i bez problemu z\u0142o\u017cysz wniosek o refinansowanie kredytu hipotecznego. Sprawdzimy Twoje opcje w r\u00f3\u017cnych bankach i pomo\u017cemy wybra\u0107 najlepsze rozwi\u0105zanie.<\/p>\n<p>Pami\u0119taj, \u017ce do refinansowania kredytu hipotecznego potrzebna jest aktualna wycena nieruchomo\u015bci i informacje na temat obecnych zobowi\u0105za\u0144.<\/p>\n<p>Przeczytaj wi\u0119cej o <a href=\"https:\/\/www.motty.no\/pl\/refinansiering-norwegia\/refinansowanie-niezabezpieczonych-kredytow-norwegia\">refinansowaniu bez zabezpieczenia.<\/a><\/p>\n                                    <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"cta-69d0056a21664\" class=\"calltoaction-outer-container overflow-hidden generalcta\">\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]\">Motty pomaga w refinansowaniu<\/h2><div class=\"text-[18px] md:text-[24px] content-rte font-recklessregular\"><p><span data-sheets-root=\"1\">Pomo\u017cemy Ci por\u00f3wna\u0107 oferty kredytowe nawet z 20 bank\u00f3w w celu uzyskania jak najmniejszych odsetek.<\/span><\/p>\n<p><span data-sheets-root=\"1\">Skorzystaj z niezobowi\u0105zuj\u0105cej i bezp\u0142atnej porady.<\/span><\/p>\n<\/div>                        <\/div>\n                                                                <div class=\"mt-10\">\n                            <a id=\"\" href=\"https:\/\/www.motty.no\/pl\/skontaktuj-sie-z-nami\" 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\">Skontaktuj si\u0119 z nami<\/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=\"ra-69d0056a231ac\" 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 mieszkaj\u0105 w kraju fiord\u00f3w i planuj\u0105&#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\/pl\/artikler\/finanse-prywatne\/oprocentowanie-kredytu-hipotecznego-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\/BLOG-MOTTY-new-niesplacony-kredyt-w-norwegii.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\/oprocentowanie-kredytu-hipotecznego-w-norwegii\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Oprocentowanie kredytu hipotecznego w Norwegii<\/h3><p>Ceny nieruchomo\u015bci nadal trzymaj\u0105 si\u0119 na wysokim poziomie, a oprocentowanie kredytu hipotecznego w Norwegii osi\u0105ga rekordow\u0105&#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\/pl\/artikler\/finanse-prywatne\/rozliczenia-podatkowe-w-norwegii-2024\"><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\/Motty-Blog-Miniaturka-05-1.jpg\"><\/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\/rozliczenia-podatkowe-w-norwegii-2024\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Rozliczenia podatkowe w Norwegii 2024<\/h3><p>Ka\u017cda osoba zarabiaj\u0105ca w Norwegii ma obowi\u0105zek z\u0142o\u017cenia rocznego zeznania podatkowego, czyli Skattemelding. 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