{"id":2126,"date":"2024-08-02T17:07:42","date_gmt":"2024-08-02T17:07:42","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=2126"},"modified":"2024-08-02T17:07:42","modified_gmt":"2024-08-02T17:07:42","slug":"powrot-do-szkoly-z-kredytem-hipotecznym-oak-leaf-community-przewodnik-po-kredytach-hipotecznych-101","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/pl\/2024\/08\/02\/back-to-school-with-oak-leaf-community-mortgage-your-mortgage-101-guide\/","title":{"rendered":"Powr\u00f3t do szko\u0142y z Oak Leaf Community Mortgage: Przewodnik po kredytach hipotecznych 101"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Wraz z ko\u0144cem lata i zbli\u017caj\u0105cym si\u0119 powrotem do szko\u0142y, nie tylko dzieci powinny zaj\u0105\u0107 si\u0119 ksi\u0105\u017ckami. Je\u015bli rozwa\u017casz zakup domu, nadszed\u0142 czas, aby od\u015bwie\u017cy\u0107 swoj\u0105 wiedz\u0119 na temat kredyt\u00f3w hipotecznych. Oak Leaf Community Mortgage, zasilany przez <\/span><a href=\"https:\/\/www.northshoretrust.com\/\"><span style=\"font-weight: 400;\">North Shore Trust and Savings<\/span><\/a><span style=\"font-weight: 400;\">jest tutaj, aby poprowadzi\u0107 Ci\u0119 przez podstawy zabezpieczenia <\/span><a href=\"https:\/\/www.myoakleaf.com\/pl\/tradycyjny-kredyt-hipoteczny\/\"><span style=\"font-weight: 400;\">hipoteka<\/span><\/a><span style=\"font-weight: 400;\">. Niezale\u017cnie od tego, czy jeste\u015b nabywc\u0105 domu po raz pierwszy, czy chcesz refinansowa\u0107, zrozumienie zasad i zakaz\u00f3w dotycz\u0105cych kredyt\u00f3w hipotecznych mo\u017ce sprawi\u0107, \u017ce proces b\u0119dzie p\u0142ynniejszy i mniej stresuj\u0105cy.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:25px;--awb-padding-right:25px;--awb-padding-bottom:25px;--awb-padding-left:25px;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-margin-bottom:45px;--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" alt=\"Mortgage Dos Chalkboard\" title=\"Mortgage Dos Chalkboard\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png\" class=\"img-responsive wp-image-2141\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-200x128.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-400x256.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-600x384.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-800x512.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png 929w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-2\"><p><b>Dokumenty finansowe pod r\u0119k\u0105<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p><span style=\"font-weight: 400;\">Upewnij si\u0119, \u017ce masz dost\u0119p do wszystkich odcink\u00f3w wyp\u0142at, wyci\u0105g\u00f3w bankowych i innych krytycznych dokument\u00f3w finansowych. S\u0105 one niezb\u0119dne do z\u0142o\u017cenia wniosku o kredyt hipoteczny i zatwierdzenia go.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><b>Wykorzystanie \u015brodk\u00f3w osobistych na depozyty zabezpieczaj\u0105ce<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Wp\u0142a\u0107 zaliczk\u0119 z w\u0142asnego konta bankowego lub akceptowalnych \u015brodk\u00f3w podarunkowych. Pozwoli to unikn\u0105\u0107 p\u00f3\u017aniejszych komplikacji.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p><b>Dokumentowanie sprzeda\u017cy obecnego domu<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><span style=\"font-weight: 400;\">Je\u015bli sprzedajesz sw\u00f3j obecny dom, dostarcz ca\u0142\u0105 odpowiedni\u0105 dokumentacj\u0119, w tym umow\u0119 sprzeda\u017cy i o\u015bwiadczenie o zamkni\u0119ciu. Pomo\u017ce to usprawni\u0107 przej\u015bcie do nowego domu.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\"><p><b>Powiadom konsultanta ds. po\u017cyczek o funduszach podarunkowych<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-9\"><p><span style=\"font-weight: 400;\">W przypadku otrzymania \u015brodk\u00f3w w formie prezentu na zamkni\u0119cie transakcji nale\u017cy poinformowa\u0107 o tym konsultanta ds. kredyt\u00f3w. \u015arodki te s\u0105 akceptowalne tylko wtedy, gdy spe\u0142nione s\u0105 okre\u015blone kryteria.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><p><b>Zg\u0142aszanie zmian w zatrudnieniu<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-11\"><p><span style=\"font-weight: 400;\">Wszelkie zmiany w zatrudnieniu, takie jak podwy\u017cka, awans lub zmiana statusu wynagrodzenia, nale\u017cy zg\u0142asza\u0107 konsultantowi ds. po\u017cyczek. Przed zamkni\u0119ciem transakcji mo\u017ce zosta\u0107 sporz\u0105dzony nowy raport kredytowy.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:25px;--awb-padding-right:25px;--awb-padding-bottom:25px;--awb-padding-left:25px;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-margin-bottom:45px;--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" alt=\"Tablica z zakazami dotycz\u0105cymi kredyt\u00f3w hipotecznych\" title=\"Tablica z zakazami dotycz\u0105cymi kredyt\u00f3w hipotecznych\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png\" class=\"img-responsive wp-image-2142\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-200x128.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-400x256.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-600x384.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-800x512.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png 929w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-12\"><p><b>Unikaj niepotrzebnych ruch\u00f3w finansowych<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-13\"><p><span style=\"font-weight: 400;\">Nie zamykaj ani nie otwieraj \u017cadnych rachunk\u00f3w aktyw\u00f3w ani nie przelewaj \u015brodk\u00f3w bez konsultacji z konsultantem ds. po\u017cyczek. W\u0142a\u015bciwa dokumentacja ma kluczowe znaczenie dla uzyskania po\u017cyczki.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-14\"><p><b>Nie dokonuj du\u017cych wp\u0142at bez powiadomienia<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-15\"><p><span style=\"font-weight: 400;\">Unikaj wp\u0142acania du\u017cych sum pieni\u0119dzy poza regularnymi wp\u0142atami na list\u0119 p\u0142ac bez powiadomienia konsultanta ds. po\u017cyczek. Znacz\u0105ce depozyty wymagaj\u0105 obszernej dokumentacji.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-16\"><p><b>Unikanie zmian pracy<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-17\"><p><span style=\"font-weight: 400;\">Zmiana pracy lub pracodawcy mo\u017ce mie\u0107 wp\u0142yw na proces kredytowy. Przed dokonaniem takich zmian nale\u017cy zawsze skonsultowa\u0107 si\u0119 z konsultantem ds. po\u017cyczek.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-18\"><p><b>Powstrzymanie si\u0119 od wi\u0119kszych zakup\u00f3w<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-19\"><p><span style=\"font-weight: 400;\">Nie dokonuj wi\u0119kszych zakup\u00f3w, takich jak samoch\u00f3d lub meble, przed lub w trakcie procesu kredytowego. Mog\u0105 one wp\u0142yn\u0105\u0107 na kwalifikuj\u0105c\u0105 si\u0119 kwot\u0119.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-20\"><p><b>Nie zwi\u0119kszaj zobowi\u0105za\u0144<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-21\"><p><span style=\"font-weight: 400;\">Unikaj otwierania lub zwi\u0119kszania linii kredytowych lub innych zobowi\u0105za\u0144 w trakcie procesu kredytowego, poniewa\u017c mo\u017ce to wp\u0142yn\u0105\u0107 na kwalifikacj\u0119 po\u017cyczki.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-22\"><p><span style=\"font-weight: 400;\">Poruszanie si\u0119 po procesie hipotecznym nie musi by\u0107 zniech\u0119caj\u0105ce. Dzi\u0119ki odpowiedniej wiedzy i zaufanemu partnerowi, takiemu jak Oak Leaf Community Mortgage, mo\u017cesz \u015bmia\u0142o podj\u0105\u0107 kroki w kierunku posiadania domu. Mi\u0142ej nauki i szcz\u0119\u015bliwego poszukiwania domu!<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:35px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:35px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2140,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Back to School with Oak Leaf Community Mortgage: Your Mortgage 101 Guide | Oak Leaf Community Mortgage<\/title>\n<meta name=\"description\" content=\"Oak Leaf Community Mortgage, powered by North Shore Trust and Savings, is here to guide you through the essentials of securing a mortgage. 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