{"id":90069,"date":"2019-08-02T12:12:29","date_gmt":"2019-08-02T09:12:29","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=90069"},"modified":"2024-06-17T14:55:59","modified_gmt":"2024-06-17T11:55:59","slug":"mortgage-in-spain-2019","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019","title":{"rendered":"Kt\u00f3ry kredyt hipoteczny w Hiszpanii w 2019 roku jest bardziej op\u0142acalny \u2013 ze sta\u0142\u0105 czy zmienn\u0105 stop\u0105 procentow\u0105?"},"content":{"rendered":"<p>Jaki <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/mortgages-in-spain-for-non-residents\">kredyt hipoteczny w Hiszpanii<\/a> wybra\u0107 \u2013 ze sta\u0142\u0105 czy zmienn\u0105 (zmienn\u0105 stop\u0119 procentow\u0105)? Co jest bardziej op\u0142acalne w obecnej sytuacji gospodarczej? To pytanie staje si\u0119 coraz bardziej powszechne w\u015br\u00f3d os\u00f3b planuj\u0105cych uzyska\u0107 kredyt hipoteczny w Hiszpanii w 2019 r., zw\u0142aszcza \u017ce 12-miesi\u0119czny <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/what-is-euribor\">indeks Eurobor<\/a> nadal spada i osi\u0105gn\u0105\u0142 ju\u017c rekordowo niski poziom. Eur\u00edbor gwa\u0142townie spad\u0142 w marcu 2019 r., ko\u0144cz\u0105c prawie roczn\u0105 pass\u0119, kt\u00f3ra zbli\u017cy\u0142a go do 0%. W ostatnich tygodniach szczeg\u00f3lnie wyra\u017any by\u0142 spadek, kt\u00f3ry sprowadzi\u0142 stop\u0119 EURIBOR do rekordowo niskiego poziomu. Spadek zosta\u0142 wywo\u0142any obecn\u0105 sytuacj\u0105 gospodarcz\u0105, kt\u00f3ra zmusi\u0142a EBC do od\u0142o\u017cenia podwy\u017cek st\u00f3p, kt\u00f3re obecnie wynosz\u0105 0%, a nawet rozwa\u017cenia ustalenia ceny pieni\u0105dza poni\u017cej zera. Obecny stan rzeczy jest korzystny dla posiadaczy kredyt\u00f3w hipotecznych: ich miesi\u0119czne raty hipoteczne spadaj\u0105. Dlatego wielu z tych, kt\u00f3rzy planuj\u0105 zaci\u0105gn\u0105\u0107 kredyt hipoteczny w Hiszpanii, nie mo\u017ce zdecydowa\u0107, kt\u00f3r\u0105 opcj\u0119 wybra\u0107: kredyt hipoteczny na sta\u0142e czy kredyt hipoteczny z oprocentowaniem zmiennym.<\/p>\n<blockquote><p> O kluczowych przepisach nowego prawa hipotecznego w Hiszpanii dowiesz si\u0119 <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/news\/mortgage-in-spain-new-law\">tutaj<\/a> .<\/p><\/blockquote>\n<p> Czy naprawd\u0119 warto w obecnej sytuacji postawi\u0107 na kredyt hipoteczny ze zmienn\u0105 stop\u0105 procentow\u0105? Zdaniem ekspert\u00f3w rynkowych, w szczeg\u00f3lno\u015bci Javiera Lainesa, szefa dzia\u0142u operacji hipotecznych portalu idealista (idealista\/hipotecas), nie ma idealnego kredytu hipotecznego, poniewa\u017c wszystko zale\u017cy od konkretnej sytuacji i mo\u017cliwo\u015bci finansowych ka\u017cdego potencjalnego posiadacza kredytu hipotecznego. W\u015br\u00f3d czynnik\u00f3w wp\u0142ywaj\u0105cych na wyb\u00f3r ekspert wymienia:<\/p>\n<ul>\n<li> posiadanie stabilnej pracy;<\/li>\n<li> wynagrodzenie;<\/li>\n<li> wielko\u015b\u0107 kredytu hipotecznego;<\/li>\n<li> warunki kredytu;<\/li>\n<li> mo\u017cliwo\u015b\u0107 poprawy sytuacji finansowej w przysz\u0142o\u015bci.<\/li>\n<\/ul>\n<p> Drugim wa\u017cnym punktem jest obecny stan hiszpa\u0144skiego rynku nieruchomo\u015bci. Szef idealista\/hipotecas zapewnia, \u017ce ponad po\u0142owa obecnie wystawianych kredyt\u00f3w hipotecznych to kredyty hipoteczne o sta\u0142ym oprocentowaniu. Wed\u0142ug Narodowego Instytutu Statystycznego ich udzia\u0142 wynosi 40%. Faktem jest, \u017ce dzisiejszy rynek kredyt\u00f3w hipotecznych na sta\u0142e oferuje bardzo korzystne stawki: 3% &#8211; 4,2%. W tym drugim przypadku, je\u015bli jako przyk\u0142ad we\u017amiemy kredyt hipoteczny w wysoko\u015bci 150 000 \u20ac, miesi\u0119czna sp\u0142ata wyniesie 540 \u20ac \u2013 560 \u20ac. Je\u015bli chodzi o kredyty hipoteczne o zmiennym oprocentowaniu, dzi\u015b najkorzystniejsze oferty to kredyty na 30 lat ze stop\u0105 oko\u0142o 2,75% w skali roku. W tych warunkach, je\u015bli jako przyk\u0142ad we\u017amiemy kredyt hipoteczny 150 000 EUR, miesi\u0119czna sp\u0142ata wyniesie 452 \u2013 468 EUR, czyli prawie 100 EUR mniej ni\u017c w przypadku sta\u0142ego kredytu hipotecznego. Wydawa\u0142oby si\u0119, \u017ce wyb\u00f3r jest oczywisty, ale nie wszystko jest takie proste. Przy podejmowaniu decyzji o wyborze kredytu hipotecznego nale\u017cy pami\u0119ta\u0107, \u017ce pr\u0119dzej czy p\u00f3\u017aniej rynek zacznie si\u0119 poprawia\u0107, a Eur\u00edbor wzro\u015bnie, co doprowadzi do wzrostu miesi\u0119cznych sp\u0142at kredyt\u00f3w hipotecznych o zmiennym oprocentowaniu. W przypadku sta\u0142ych kredyt\u00f3w hipotecznych miesi\u0119czna rata nie ulegnie zmianie. Stabilno\u015b\u0107 to g\u0142\u00f3wny plus kredyt\u00f3w hipotecznych o sta\u0142ym oprocentowaniu. Ponadto ekspert radzi, aby dok\u0142adnie przestudiowa\u0107 wszystkie oferty dost\u0119pne na hiszpa\u0144skim rynku kredyt\u00f3w hipotecznych, a tak\u017ce spr\u00f3bowa\u0107 przyst\u0105pi\u0107 do negocjacji z bankiem w celu uzyskania najkorzystniejszych dla Ciebie warunk\u00f3w, gdy\u017c wi\u0119kszo\u015b\u0107 instytucji finansowych jest sk\u0142onna do ust\u0119pstw klient\u00f3w i zmieni\u0107 standardowe warunki kredytu hipotecznego.<\/p>\n<blockquote><p> Szukasz nieruchomo\u015bci w Hiszpanii? Mo\u017cesz wybra\u0107 nieruchomo\u015bci w Hiszpanii w naszym <a href=\"https:\/\/alegria-realestate.com\/ru\/sale\">katalogu<\/a> .<\/p><\/blockquote>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Jaki kredyt hipoteczny w Hiszpanii wybra\u0107 \u2013 ze sta\u0142\u0105\u2026<\/p>\n","protected":false},"author":2,"featured_media":90070,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[957,15],"tags":[],"class_list":["post-90069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-in-spain","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443<\/title>\n<meta name=\"description\" content=\"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443\" \/>\n<meta property=\"og:description\" content=\"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069\" \/>\n<meta property=\"og:site_name\" content=\"Nieruchomo\u015b\u0107 w Hiszpanii\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realestate.alegria\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-02T09:12:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-17T11:55:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"850\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u0415\u043b\u0435\u043d\u0430\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@alegriarealesta\" \/>\n<meta name=\"twitter:site\" content=\"@alegriarealesta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/articles\\\/news\\\/mortgage-in-spain-2019#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/articles\\\/news\\\/mortgage-in-spain-2019\"},\"author\":{\"name\":\"\u0415\u043b\u0435\u043d\u0430\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#\\\/schema\\\/person\\\/ff0a48e00da67c4fa2b62f941e991c33\"},\"headline\":\"Kt\u00f3ry kredyt hipoteczny w Hiszpanii w 2019 roku jest bardziej op\u0142acalny \u2013 ze sta\u0142\u0105 czy zmienn\u0105 stop\u0105 procentow\u0105?\",\"datePublished\":\"2019-08-02T09:12:29+00:00\",\"dateModified\":\"2024-06-17T11:55:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/articles\\\/news\\\/mortgage-in-spain-2019\"},\"wordCount\":2809,\"publisher\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/articles\\\/news\\\/mortgage-in-spain-2019#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/mortgage-in-spain-2019.jpg\",\"articleSection\":[\"Kredyt hipoteczny\",\"Wiadomo\u015bci\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019\",\"name\":\"(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/articles\\\/news\\\/mortgage-in-spain-2019#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/mortgage-in-spain-2019.jpg\",\"datePublished\":\"2019-08-02T09:12:29+00:00\",\"dateModified\":\"2024-06-17T11:55:59+00:00\",\"description\":\"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[[\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019\"]]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019#primaryimage\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/mortgage-in-spain-2019.jpg\",\"contentUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/mortgage-in-spain-2019.jpg\",\"width\":1280,\"height\":850,\"caption\":\"\u041a\u0430\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u0435\u0435 \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0441 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0435\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/articles\\\/news\\\/mortgage-in-spain-2019#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u041a\u0430\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u0435\u0435 \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0441 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0435\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#website\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\",\"name\":\"Nieruchomo\u015b\u0107 w Hiszpanii\",\"description\":\"Nieruchomo\u015bci w Hiszpanii: sprzeda\u017c we wszystkich miastach - Torrevieja, Alicante, Benidorm itp. Pomo\u017cemy Ci kupi\u0107 nieruchomo\u015bci na Costa Blanca - mieszkania wt\u00f3rne, nowe budynki. Projekt pod klucz. Nieruchomo\u015b\u0107 na Costa Blanca od 80 000 \u20ac.\",\"publisher\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#organization\",\"name\":\"Alegria Realestate\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/logo_alegria.png\",\"contentUrl\":\"https:\\\/\\\/alegria-realestate.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/logo_alegria.png\",\"width\":1600,\"height\":1403,\"caption\":\"Alegria Realestate\"},\"image\":{\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/pl\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/realestate.alegria\",\"https:\\\/\\\/x.com\\\/alegriarealesta\",\"https:\\\/\\\/www.instagram.com\\\/alegriadom\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/profile\\\/view?id=154965227\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/AlegriaRealEstate\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/alegria-realestate.com\\\/#\\\/schema\\\/person\\\/ff0a48e00da67c4fa2b62f941e991c33\",\"name\":\"\u0415\u043b\u0435\u043d\u0430\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443","description":"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069","og_locale":"pl_PL","og_type":"article","og_title":"(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443","og_description":"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.","og_url":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069","og_site_name":"Nieruchomo\u015b\u0107 w Hiszpanii","article_publisher":"https:\/\/www.facebook.com\/realestate.alegria","article_published_time":"2019-08-02T09:12:29+00:00","article_modified_time":"2024-06-17T11:55:59+00:00","og_image":[{"width":1280,"height":850,"url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg","type":"image\/jpeg"}],"author":"\u0415\u043b\u0435\u043d\u0430","twitter_card":"summary_large_image","twitter_creator":"@alegriarealesta","twitter_site":"@alegriarealesta","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/alegria-realestate.com\/articles\/news\/mortgage-in-spain-2019#article","isPartOf":{"@id":"https:\/\/alegria-realestate.com\/articles\/news\/mortgage-in-spain-2019"},"author":{"name":"\u0415\u043b\u0435\u043d\u0430","@id":"https:\/\/alegria-realestate.com\/#\/schema\/person\/ff0a48e00da67c4fa2b62f941e991c33"},"headline":"Kt\u00f3ry kredyt hipoteczny w Hiszpanii w 2019 roku jest bardziej op\u0142acalny \u2013 ze sta\u0142\u0105 czy zmienn\u0105 stop\u0105 procentow\u0105?","datePublished":"2019-08-02T09:12:29+00:00","dateModified":"2024-06-17T11:55:59+00:00","mainEntityOfPage":{"@id":"https:\/\/alegria-realestate.com\/articles\/news\/mortgage-in-spain-2019"},"wordCount":2809,"publisher":{"@id":"https:\/\/alegria-realestate.com\/#organization"},"image":{"@id":"https:\/\/alegria-realestate.com\/articles\/news\/mortgage-in-spain-2019#primaryimage"},"thumbnailUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg","articleSection":["Kredyt hipoteczny","Wiadomo\u015bci"],"inLanguage":"pl-PL"},{"@type":"WebPage","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019","url":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019","name":"(RU) \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443","isPartOf":{"@id":"https:\/\/alegria-realestate.com\/pl\/#website"},"primaryImageOfPage":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019#primaryimage"},"image":{"@id":"https:\/\/alegria-realestate.com\/articles\/news\/mortgage-in-spain-2019#primaryimage"},"thumbnailUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg","datePublished":"2019-08-02T09:12:29+00:00","dateModified":"2024-06-17T11:55:59+00:00","description":"(RU) \u041a\u0430\u043a \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u043e. \u041a\u0430\u043a\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0432\u0430\u0440\u0438\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439. \u0421\u0442\u0430\u0432\u043a\u0438 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438. \u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u2013 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0438\u043b\u0438 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f.","breadcrumb":{"@id":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":[["https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019"]]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019#primaryimage","url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg","contentUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/mortgage-in-spain-2019.jpg","width":1280,"height":850,"caption":"\u041a\u0430\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u0435\u0435 \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0441 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0435\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439?"},{"@type":"BreadcrumbList","@id":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/mortgage-in-spain-2019#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/alegria-realestate.com\/pl\/"},{"@type":"ListItem","position":2,"name":"\u041a\u0430\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0432 2019 \u0433\u043e\u0434\u0443 \u0432\u044b\u0433\u043e\u0434\u043d\u0435\u0435 \u2013 \u0441 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u043b\u0438 \u0441 \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0435\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439?"}]},{"@type":"WebSite","@id":"https:\/\/alegria-realestate.com\/pl\/#website","url":"https:\/\/alegria-realestate.com\/pl\/","name":"Nieruchomo\u015b\u0107 w Hiszpanii","description":"Nieruchomo\u015bci w Hiszpanii: sprzeda\u017c we wszystkich miastach - Torrevieja, Alicante, Benidorm itp. Pomo\u017cemy Ci kupi\u0107 nieruchomo\u015bci na Costa Blanca - mieszkania wt\u00f3rne, nowe budynki. Projekt pod klucz. Nieruchomo\u015b\u0107 na Costa Blanca od 80 000 \u20ac.","publisher":{"@id":"https:\/\/alegria-realestate.com\/pl\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alegria-realestate.com\/pl\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Organization","@id":"https:\/\/alegria-realestate.com\/pl\/#organization","name":"Alegria Realestate","url":"https:\/\/alegria-realestate.com\/pl\/","logo":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/alegria-realestate.com\/pl\/#\/schema\/logo\/image\/","url":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/logo_alegria.png","contentUrl":"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/08\/logo_alegria.png","width":1600,"height":1403,"caption":"Alegria Realestate"},"image":{"@id":"https:\/\/alegria-realestate.com\/pl\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/realestate.alegria","https:\/\/x.com\/alegriarealesta","https:\/\/www.instagram.com\/alegriadom\/","https:\/\/www.linkedin.com\/profile\/view?id=154965227","https:\/\/www.youtube.com\/user\/AlegriaRealEstate"]},{"@type":"Person","@id":"https:\/\/alegria-realestate.com\/#\/schema\/person\/ff0a48e00da67c4fa2b62f941e991c33","name":"\u0415\u043b\u0435\u043d\u0430"}]}},"_links":{"self":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/comments?post=90069"}],"version-history":[{"count":0,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/posts\/90069\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/media\/90070"}],"wp:attachment":[{"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/media?parent=90069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/categories?post=90069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alegria-realestate.com\/pl\/wp-json\/wp\/v2\/tags?post=90069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}