How does time dilation occur due to velocity and gravity [duplicate]

I am trying to understand and clarify the way time dilation occurs due to general and special relativity and for which reason. In the case where an object is approaching a planet in free-fall how does the gravitational field affect time dilation in the object? I have set out the case below is this correct? I have ignored the effect of the object on the planet.

1. If an object is approaching a planet, for example, in a straight line from a distance due to gravity it will only experience time dilation due to its velocity and this will increase according to its velocity and SR. It would not experience time dilation due to proximity of the larger body as it is in free fall.
2. If the object is then stationary on the surface of the planet it will experience time dilation due to being in an accelerated frame as it can no longer fall freely, it would only experience time dilation due to motion of the planet.