{"id":2655,"date":"2024-02-14T10:22:31","date_gmt":"2024-02-14T09:22:31","guid":{"rendered":"https:\/\/mayrasa-gestion.com\/?page_id=2655"},"modified":"2024-12-05T09:07:31","modified_gmt":"2024-12-05T08:07:31","slug":"faza-posprzedazowa","status":"publish","type":"page","link":"https:\/\/www.mayrasa-gestion.com\/pl\/faza-posprzedazowa\/","title":{"rendered":"Faza posprzeda\u017cowa"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2655\" class=\"elementor elementor-2655\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c50838b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c50838b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55b0429\" data-id=\"55b0429\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-453e782 elementor-widget elementor-widget-heading\" data-id=\"453e782\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">PO SPRZEDA\u017bY<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c31627 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c31627\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a107e3a\" data-id=\"a107e3a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e6f2b0 elementor-widget elementor-widget-image\" data-id=\"0e6f2b0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"927\" height=\"550\" src=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra.png\" class=\"attachment-large size-large wp-image-2720\" alt=\"\" srcset=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra.png 927w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-300x178.png 300w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-768x456.png 768w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-18x12.png 18w\" sizes=\"(max-width: 927px) 100vw, 927px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-17f5086\" data-id=\"17f5086\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38df08c elementor-widget elementor-widget-text-editor\" data-id=\"38df08c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Tydzie\u0144 p\u00f3\u017aniej<\/b> podpisu przed notariuszem, przyjedziemy po odbi\u00f3r <b>czyny <\/b>i przedstawimy im modele podatkowe <b>nale\u017cycie op\u0142acony<\/b> do rejestru grunt\u00f3w.\u00a0<span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">Wszystkie us\u0142ugi wliczone w cen\u0119: <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>woda<\/b><\/span><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">, <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>\u015bwiat\u0142o<\/b><\/span><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">, <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>gaz <\/b><\/span><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">y <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>wydatki <\/b><\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>spo\u0142eczno\u015b\u0107 <\/b><\/span><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">zostanie zmienione na twoje imi\u0119 i b\u0119dzie <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\"><b>domiciliar\u00e1n <\/b><\/span><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">w jego <\/span><b><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">konto <\/span><span style=\"font-style: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">Hiszpa\u0144ski bank<\/span><\/b><span style=\"font-style: inherit; font-weight: inherit; background-color: var( --e-global-color-astglobalcolor5 ); color: var(--ast-global-color-3);\">.\u00a0<\/span><\/p><p>Dla <b>koniec<\/b>Skontaktujemy si\u0119 z Tob\u0105, gdy tylko zbierzemy <b>czyny <\/b>ksi\u0105g wieczystych. B\u0119d\u0105 to <b>gotowy do odbioru<\/b> w naszym biurze MAYRASA, <b>wraz z ich kluczami<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-01ffef0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01ffef0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;opacity-fan&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 283.5 19.6\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 18.8 141.8 4.1 283.5 18.8 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 12.6 141.8 4 283.5 12.6 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 6.4 141.8 4 283.5 6.4 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L0 1.2 141.8 4 283.5 1.2 283.5 0z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0aa0836\" data-id=\"0aa0836\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5e7443 elementor-widget elementor-widget-heading\" data-id=\"e5e7443\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CZY CHCIA\u0141BY\u015a UZYSKA\u0106 SPERSONALIZOWAN\u0104 PORAD\u0118?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-151b4b0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"151b4b0\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba141ea elementor-widget elementor-widget-image-box\" data-id=\"ba141ea\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Kontakt z Mayrasa Gesti\u00f3n<\/h5><p class=\"elementor-image-box-description\">Napisz do nas, a nasi eksperci odpowiedz\u0105 na wszystkie Twoje pytania bez \u017cadnych zobowi\u0105za\u0144.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8176c18 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8176c18\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"#contacto\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Skontaktuj si\u0119 z nami<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c604d49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c604d49\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-db54639\" data-id=\"db54639\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb8d721 elementor-widget elementor-widget-heading\" data-id=\"fb8d721\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KOSZTY ZAKUPU<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f591340 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f591340\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a04e299 elementor-widget elementor-widget-text-editor\" data-id=\"a04e299\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Wa\u017cne jest, aby zna\u0107 koszty zwi\u0105zane z zakupem nieruchomo\u015bci, poniewa\u017c s\u0105 to wydatki, kt\u00f3re b\u0119dziemy musieli wzi\u0105\u0107 pod uwag\u0119 p\u0142ac\u0105c za nieruchomo\u015b\u0107 w Hiszpanii.<\/p><ul><li><strong>Us\u0142ugi prawne<\/strong>Obejmuje op\u0142aty manipulacyjne za ca\u0142y zakup.<\/li><li><strong>ITP (10%)<\/strong>Podatek ten jest naliczany od rzeczywistej ceny sprzeda\u017cy. Mo\u017ce si\u0119 on r\u00f3\u017cni\u0107 w zale\u017cno\u015bci od regionu, w kt\u00f3rym nieruchomo\u015b\u0107 zosta\u0142a zakupiona.<\/li><li><strong>Koszty notarialne:\u00a0<\/strong>Koszty te dotycz\u0105 notariusza, kt\u00f3ry jest odpowiedzialny za weryfikacj\u0119, czy zakup jest prawid\u0142owy i zgodny z lokalnymi przepisami.<\/li><li><strong>Rejestracja w\u0142asno\u015bci:\u00a0<\/strong>Podczas rejestracji nieruchomo\u015bci w Hiszpanii tytu\u0142 w\u0142asno\u015bci musi zosta\u0107 z\u0142o\u017cony w rejestrze grunt\u00f3w. Wi\u0105\u017ce si\u0119 to z podatkiem i us\u0142ug\u0105.<\/li><li><strong>Drugi dom:\u00a0<\/strong>Aby zmieni\u0107 w\u0142a\u015bciciela rachunku za wod\u0119, energi\u0119 elektryczn\u0105 i pr\u0105d, potrzebujemy za\u015bwiadczenia wydanego przez architekta potwierdzaj\u0105cego, \u017ce nieruchomo\u015b\u0107 jest zgodna z obowi\u0105zuj\u0105cymi przepisami.<\/li><li><strong>Zmiana w\u0142a\u015bciciela:\u00a0<\/strong>Zmiana posiadacza rachunku za wod\u0119, energi\u0119 elektryczn\u0105, SUMA, rachunki komunalne i inne.<\/li><li><strong>Numer NIE:<\/strong> NIE to numer podatkowy nadawany w celu p\u0142acenia podatk\u00f3w w Hiszpanii. Dokument ten jest wydawany na posterunku policji i nie ma daty wa\u017cno\u015bci.<\/li><li><strong>Koszty administracyjne:\u00a0<\/strong>Niezb\u0119dne do pokrycia koszt\u00f3w NIE i zakwaterowania.<\/li><li><strong>Ubezpieczenie domu:\u00a0<\/strong>Przy zakupie nieruchomo\u015bci w Hiszpanii obowi\u0105zkowe jest posiadanie ubezpieczenia pokrywaj\u0105cego wszelkie szkody wyrz\u0105dzone osobom trzecim, a tak\u017ce szkody w\u0142asne.<\/li><li><strong>Czeki bankowe:\u00a0<\/strong>P\u0142ac\u0105c za nieruchomo\u015b\u0107 przed notariuszem, bardzo cz\u0119sto p\u0142aci si\u0119 czekami bankowymi wystawionymi przez hiszpa\u0144ski bank i p\u0142atnymi na rzecz sprzedaj\u0105cego.<\/li><li><strong>Pe\u0142nomocnictwa:\u00a0<\/strong>Niezale\u017cnie od tego, czy jeste\u015b obecny przy formalno\u015bciach notarialnych, czy nie, zdecydowanie zaleca si\u0119 posiadanie pe\u0142nomocnictwa. Daje to przedstawicielowi prawnemu mo\u017cliwo\u015b\u0107 zorganizowania NIE, notariusza i wszystkich procedur administracyjnych i prawnych oraz, je\u015bli chcesz, przeprowadzenia zakupu nieruchomo\u015bci w Hiszpanii w Twoim imieniu.<\/li><li><strong>Testamenty:\u00a0<\/strong>Bardzo cz\u0119sto sporz\u0105dza si\u0119 hiszpa\u0144ski testament w momencie zakupu nieruchomo\u015bci w Hiszpanii. Pozwoli to unikn\u0105\u0107 skomplikowanych problem\u00f3w biurokratycznych dla spadkobierc\u00f3w w przysz\u0142o\u015bci.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c29e27\" data-id=\"2c29e27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6bda3f elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"f6bda3f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-576x1024.png\" class=\"attachment-large size-large wp-image-2727\" alt=\"\" srcset=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-576x1024.png 576w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-169x300.png 169w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-768x1365.png 768w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-864x1536.png 864w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses-7x12.png 7w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/expenses.png 1080w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60509a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60509a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f8a9a6\" data-id=\"7f8a9a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-405b6d7 elementor-widget elementor-widget-heading\" data-id=\"405b6d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KOSZTY KREDYTU HIPOTECZNEGO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a271134 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a271134\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348a8db elementor-widget elementor-widget-text-editor\" data-id=\"348a8db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Je\u015bli zdecydujesz si\u0119 na zakup domu w Hiszpanii z kredytem hipotecznym, musisz r\u00f3wnie\u017c wzi\u0105\u0107 pod uwag\u0119 szereg dodatkowych wydatk\u00f3w wynikaj\u0105cych z zarz\u0105dzania nim.<\/p><ul><li><strong>Podatek od kredyt\u00f3w hipotecznych<\/strong>Jest to podatek, kt\u00f3ry musi zosta\u0107 zap\u0142acony przez osob\u0119 obci\u0105\u017caj\u0105c\u0105 hipotek\u0119 nieruchomo\u015bci. Oficjalnie wynosi on od 1% do 2% warto\u015bci hipoteki.<\/li><li><strong>Op\u0142ata za aran\u017cacj\u0119: <\/strong>Bank pobierze op\u0142at\u0119 pocz\u0105tkow\u0105 za zaci\u0105gni\u0119ty kredyt hipoteczny.<\/li><li><strong>Wycena nieruchomo\u015bci: <\/strong>Przy obci\u0105\u017caniu nieruchomo\u015bci hipotek\u0105 bank za\u017c\u0105da niezale\u017cnej wyceny, aby uzyska\u0107 wi\u0119cej informacji na temat nieruchomo\u015bci, kt\u00f3ra ma zosta\u0107 obci\u0105\u017cona hipotek\u0105.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9593f36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9593f36\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e6f543d\" data-id=\"e6f543d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a8b805 elementor-widget elementor-widget-heading\" data-id=\"5a8b805\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SZUKASZ MIESZKANIA?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3497607 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3497607\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.mayrasa.com\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Znajd\u017a idealny dom<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5887ae0\" data-id=\"5887ae0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48a498f elementor-widget elementor-widget-heading\" data-id=\"48a498f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CZY CHCIA\u0141BY\u015a, ABY SKONTAKTOWA\u0106 SI\u0118 Z MAYRASA GESTI\u00d3N?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a81e7b4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a81e7b4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/pl\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-map-marker-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dane kontaktowe<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7377055 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7377055\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-40b66f8\" data-id=\"40b66f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffdbc39 elementor-widget elementor-widget-heading\" data-id=\"ffdbc39\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CZY MASZ JAKIE\u015a W\u0104TPLIWO\u015aCI?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df26bcc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"df26bcc\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aba7031 elementor-widget elementor-widget-text-editor\" data-id=\"aba7031\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nasz zesp\u00f3\u0142 ekspert\u00f3w b\u0119dzie <strong>Czekamy na wiadomo\u015b\u0107 od Ciebie<\/strong> i rozwi\u0105za\u0107 <strong>wszelkie pytania<\/strong> w zwi\u0105zku z procedurami okre\u015blonymi w <strong>kancelaria notarialna<\/strong>, <strong>pe\u0142nomocnictwa<\/strong>zarz\u0105dzanie <strong>NIE<\/strong> o <strong>wydatki<\/strong> e <strong>podatki<\/strong> powi\u0105zane z ich <strong>nieruchomo\u015bci w Hiszpanii<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4470d24 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4470d24\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"#contacto\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Chc\u0119 porady<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e5460b7\" data-id=\"e5460b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd7eedb elementor-widget elementor-widget-image\" data-id=\"fd7eedb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-1024x683.jpg\" class=\"attachment-large size-large wp-image-2741\" alt=\"\" srcset=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-1024x683.jpg 1024w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-300x200.jpg 300w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-768x512.jpg 768w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-1536x1024.jpg 1536w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo-18x12.jpg 18w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/ayuda-inmo.jpg 1980w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51af88c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51af88c\" data-element_type=\"section\" id=\"contacto\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8c09af\" data-id=\"f8c09af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8292f99 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8292f99\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b7c1f06\" data-id=\"b7c1f06\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eebdef2 elementor-widget elementor-widget-heading\" data-id=\"eebdef2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOWIEDZ SI\u0118, JAK MO\u017bEMY CI POM\u00d3C<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4495f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9d4495f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-080f01f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"080f01f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0bff734\" data-id=\"0bff734\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a198d9d formulario-portada elementor-widget elementor-widget-wpforms\" data-id=\"a198d9d\" data-element_type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpforms-container\" id=\"wpforms-17\"><form id=\"wpforms-form-17\" class=\"wpforms-validate wpforms-form\" data-formid=\"17\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/pl\/wp-json\/wp\/v2\/pages\/2655\" data-token=\"c69839748a4ef81e6549e08daca5cdc4\" data-trp-original-action=\"\/pl\/wp-json\/wp\/v2\/pages\/2655\"><noscript class=\"wpforms-error-noscript\">Aby wype\u0142ni\u0107 ten formularz, w\u0142\u0105cz obs\u0142ug\u0119 JavaScript w przegl\u0105darce.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-17-field_5-container\" class=\"wpforms-field wpforms-field-layout\" data-field-id=\"5\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-17-field_5\">Projekt<\/label><div class=\"wpforms-field-layout-columns wpforms-field-layout-preset-50-50\"><div class=\"wpforms-layout-column wpforms-layout-column-50\"><div id=\"wpforms-17-field_8-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"8\"><label class=\"wpforms-field-label\" for=\"wpforms-17-field_8\">Nazwa <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-17-field_8\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][8]\" placeholder=\"Wpisz swoje imi\u0119 i nazwisko\" required><\/div><div id=\"wpforms-17-field_1-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-17-field_1\">Adres e-mail <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-17-field_1\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][1]\" 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poni\u017cszego formularza lub zadzwoni\u0107 bezpo\u015brednio do naszego biura. Z przyjemno\u015bci\u0105 pomo\u017cemy i odpowiemy na wszystkie pytania.<\/p><p>Dowiedz si\u0119, w jaki spos\u00f3b nasz zesp\u00f3\u0142 ekspert\u00f3w mo\u017ce pom\u00f3c Ci uczyni\u0107 zakup domu w Hiszpanii prostym, prawid\u0142owym i wygodnym procesem.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be109bc elementor-widget elementor-widget-text-editor\" data-id=\"be109bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<i class=\"fa-solid fa-phone\"><\/i> 966 263 013\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a71f5fe elementor-widget elementor-widget-image\" data-id=\"a71f5fe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"923\" height=\"611\" src=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-vivienda.png\" class=\"attachment-large size-large wp-image-2519\" alt=\"\" srcset=\"https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-vivienda.png 923w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-vivienda-300x199.png 300w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-vivienda-768x508.png 768w, https:\/\/www.mayrasa-gestion.com\/wp-content\/uploads\/2024\/02\/compra-vivienda-18x12.png 18w\" sizes=\"(max-width: 923px) 100vw, 923px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>PO SPRZEDA\u017bY Tydzie\u0144 po podpisaniu umowy u notariusza odbierzemy akty w\u0142asno\u015bci i przedstawimy je wraz z formularzami podatkowymi nale\u017cycie op\u0142aconymi w rejestrze grunt\u00f3w. Wszystkie us\u0142ugi: woda, pr\u0105d, gaz i op\u0142aty komunalne zostan\u0105 zmienione na Twoje nazwisko i wp\u0142acone na Twoje hiszpa\u0144skie konto bankowe.  Podsumowuj\u0105c, otrzymamy [...]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2655","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - 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