Czy warto nadpłacać kredyt hipoteczny? Kiedy i jak nadpłacać?

📖 Do you like my content? Check out the book too - https://inwestomat.eu/ksiazka/ ➡️ Blog post - https://inwestomat.eu/czy-warto-nadpl... In this video, you'll learn: Is it always worth overpaying on a mortgage? How to calculate when it's worth overpaying on a mortgage and when it's not. What to do with the funds instead of overpaying on a mortgage? Should you overpay by reducing your installments or shortening the loan term? 00:00:00 Introduction 00:04:06 Overpaying on a mortgage and investing 00:04:37 The impact of the Belka tax on investing (interest) 00:05:27 What does history say? When was it worth overpaying on a mortgage and when was it worth investing? 00:08:00 When is it NOT worth overpaying a mortgage? 00:10:10 How to overpay a loan? Shorten the term or reduce the installment? 00:11:14 Why does almost everyone recommend overpaying with a shortened term? 00:13:59 Advantages and disadvantages of both overpaying options 00:16:28 The third overpaying option 00:17:25 Why do I recommend overpaying with a reduced installment (and continuing to overpay)? 00:18:52 Proof that this overpayment option is the best 00:20:50 Summary Disclaimer: The information presented in this video is the author's personal opinion and does not constitute investment recommendations within the meaning of the Regulation of the Minister of Finance of October 19, 2005, regarding information constituting recommendations regarding financial instruments, their issuers, or exhibitors (Journal of Laws of 2005, No. 206, item 1715). Viewers make investment decisions at their own risk.