{"id":10196,"date":"2025-04-25T17:29:53","date_gmt":"2025-04-25T15:29:53","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10196"},"modified":"2025-04-28T13:33:06","modified_gmt":"2025-04-28T11:33:06","slug":"mozem-dostat-hypoteku-aj-ked-este-nemam-vyhliadnutu-nehnutelnost","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/mozem-dostat-hypoteku-aj-ked-este-nemam-vyhliadnutu-nehnutelnost\/","title":{"rendered":"M\u00f4\u017eem dosta\u0165 hypot\u00e9ku, aj ke\u010f e\u0161te nem\u00e1m vyhliadnut\u00fa nehnute\u013enos\u0165?"},"content":{"rendered":"\n<p><strong>Na dne\u0161nom realitnom trhu plat\u00ed jednoduch\u00e9 pravidlo: kto sa sk\u00f4r rozhodne a zaplat\u00ed, m\u00e1 prednos\u0165. Pr\u00e1ve v tomto prostred\u00ed z\u00edskava na atraktivite hypot\u00e9ka na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165 \u2013 teda \u00faver, ktor\u00fd si vybav\u00edte e\u0161te sk\u00f4r, ne\u017e viete, ak\u00fa nehnute\u013enos\u0165 k\u00fapite.<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co je to hypot\u00e9ka bez nehnute\u013enosti?<\/strong><\/h2>\n\n\n\n<p>Hypot\u00e9ka bez nehnute\u013enosti, niekedy naz\u00fdvan\u00e1 aj hypot\u00e9ka naopak alebo hypot\u00e9ka na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165, je \u0161pecifick\u00fd typ financovania, ktor\u00fd v\u00e1m umo\u017en\u00ed z\u00edska\u0165 schv\u00e1len\u00fd objem financi\u00ed (zjednodu\u0161ene povedan\u00e9 dosta\u0165 hypot\u00e9ku) bez toho, aby ste museli hne\u010f ru\u010di\u0165 konkr\u00e9tnou nehnute\u013enos\u0165ou.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako to funguje?<\/strong><\/h2>\n\n\n\n<ol type=\"1\" start=\"1\">\n<li><strong>Pod\u00e1te \u017eiados\u0165 o hypot\u00e9ku<\/strong> \u2013 dolo\u017e\u00edte pr\u00edjmy, v\u00fddavky a \u010fal\u0161ie dokumenty.<\/li>\n\n\n\n<li><strong>Banka prever\u00ed va\u0161u bonitu<\/strong> \u2013 ak je v\u0161etko v poriadku, podp\u00ed\u0161ete \u00faverov\u00fa zmluvu, v ktorej nie je identifikovan\u00e1 nehnute\u013enos\u0165.<\/li>\n\n\n\n<li><strong>Na h\u013eadanie nehnute\u013enosti m\u00e1te obvykle 2\u201312 mesiacov<\/strong> \u2013 v priebehu tejto doby m\u00f4\u017eete kedyko\u013evek hypot\u00e9ku \u201eaktivova\u0165\u201c, hne\u010f ako n\u00e1jdete vhodn\u00fa nehnute\u013enos\u0165.<\/li>\n\n\n\n<li><strong>N\u00e1sledne d\u00f4jde k podpisu k\u00fapnej zmluvy a \u010derpaniu \u00faveru.<\/strong><\/li>\n<\/ol>\n\n\n\n<p>T\u00fdmto sp\u00f4sobom vstupujete na trh s istotou financovania \u2013 a to v\u00e1m d\u00e1va oproti ostatn\u00fdm kupuj\u00facim z\u00e1sadn\u00fa v\u00fdhodu.<\/p>\n\n\n\n<p><strong><em>Kupujete nehnute\u013enos\u0165? Pre\u010d\u00edtajte si blog <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-vyhodne-kupit-byt-alebo-dom\/\">10 r\u00e1d, ako v\u00fdhodne k\u00fapi\u0165 byt alebo dom<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pre\u010do o hypot\u00e9ke bez nehnute\u013enosti uva\u017eova\u0165?<\/strong><\/h2>\n\n\n\n<h3>1. R\u00fdchlos\u0165 rozhoduje<\/h3>\n\n\n\n<p>Zauj\u00edmav\u00e9 nehnute\u013enosti sa \u010dasto predaj\u00fa v priebehu nieko\u013ek\u00fdch dn\u00ed. Ak u\u017e m\u00e1te hypot\u00e9ku schv\u00e1len\u00fa, m\u00f4\u017eete ihne\u010f podp\u00edsa\u0165 rezerva\u010dn\u00fa zmluvu a predbehn\u00fa\u0165 konkurenciu, ktor\u00e1 e\u0161te len rie\u0161i financovanie.<\/p>\n\n\n\n<h3>2. V\u00fdhoda pre investorov<\/h3>\n\n\n\n<p>Investori do nehnute\u013enost\u00ed t\u00fato strat\u00e9giu vyu\u017e\u00edvaj\u00fa be\u017ene \u2013 maj\u00fa schv\u00e1len\u00fd objem \u00faveru (schv\u00e1len\u00fd obnos pe\u0148az\u00ed, ktor\u00e9 m\u00f4\u017eu obratom \u010derpa\u0165), ktor\u00fd sa stanov\u00ed na z\u00e1klade bonity klienta. Po\u017eiadaj\u00fa si o maximum, ale potom m\u00f4\u017eu vy\u010derpa\u0165 menej, ak kupuj\u00fa lacnej\u0161iu nehnute\u013enos\u0165. Kone\u010dn\u00e1 \u00faprava sa stanov\u00ed dodatkom k \u00faverovej zmluve. Obmedzenie je, \u017ee ju nem\u00f4\u017eete \u010derpa\u0165 vo vy\u0161\u0161ej sume, ako m\u00e1te schv\u00e1len\u00fd limit.<\/p>\n\n\n\n<h3>3. Lep\u0161ia vyjedn\u00e1vacia poz\u00edcia<\/h3>\n\n\n\n<p>Realitn\u00ed makl\u00e9ri aj pred\u00e1vaj\u00faci preferuj\u00fa kupuj\u00facich, ktor\u00ed maj\u00fa jasno v ot\u00e1zke financovania. M\u00f4\u017eete tak z\u00edska\u0165 lep\u0161iu cenu alebo si vyjedna\u0165 in\u00e9 v\u00fdhody.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/hypo_kalkulacka_blog2.gif\" alt=\"Fingo hypotekarna kalkulacka\" class=\"wp-image-3434\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Je hypot\u00e9ka bez nehnute\u013enosti pre ka\u017ed\u00e9ho?<\/strong><\/h2>\n\n\n\n<p>Nie v\u017edy sa t\u00e1to mo\u017enos\u0165 vyplat\u00ed. Tu s\u00fa v\u00fdhody a nev\u00fdhody, ktor\u00e9 by ste mali zv\u00e1\u017ei\u0165:<\/p>\n\n\n\n<h3>V\u00fdhody:<\/h3>\n\n\n\n<ul>\n<li>flexibilita pri h\u013eadan\u00ed nehnute\u013enosti<\/li>\n\n\n\n<li>r\u00fdchlos\u0165 a istota pri k\u00fape<\/li>\n\n\n\n<li>v\u00fdhoda pre investorov a sk\u00fasen\u00fdch kupuj\u00facich pred ostatn\u00fdmi kupuj\u00facimi<\/li>\n\n\n\n<li>mo\u017enos\u0165 vyjedna\u0165 si lep\u0161ie podmienky v\u010faka \u201ehotovosti na stole\u201c<\/li>\n\n\n\n<li>mo\u017eno vyu\u017ei\u0165 nielen na samotn\u00fa k\u00fapu nehnute\u013enosti, ale aj na \u010fal\u0161\u00ed \u00fa\u010del (napr. v\u00fdstavba)<\/li>\n<\/ul>\n\n\n\n<h3>Nev\u00fdhody:<\/h3>\n\n\n\n<ul>\n<li>niektor\u00e9 banky si \u00fa\u010dtuj\u00fa poplatky za pos\u00fadenie \u017eiadosti o tak\u00fdto \u00faver alebo za&nbsp; ne\u010derpanie hypot\u00e9ky na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165<\/li>\n\n\n\n<li>platnos\u0165 \u00faveru bez nehnute\u013enosti je \u010dasovo obmedzen\u00e1 na 2 \u2013 12 mesiacov<\/li>\n\n\n\n<li>nie je garantovan\u00e9, \u017ee banka nebude pred \u010derpan\u00edm vy\u017eadova\u0165 op\u00e4tovn\u00e9 dokladovanie pr\u00edjmu v pr\u00edpade, \u017ee bude u klienta podozrenie, \u017ee mu pr\u00edjmy klesli<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pre koho je hypot\u00e9ka bez nehnute\u013enosti ide\u00e1lna?<\/strong><\/h2>\n\n\n\n<ul>\n<li>pre t\u00fdch, ktor\u00ed e\u0161te nemaj\u00fa vybran\u00fd konkr\u00e9tny byt \u010di dom<\/li>\n\n\n\n<li>pre z\u00e1ujemcov o novostavby v \u0161t\u00e1diu v\u00fdstavby a k\u00fapy nehnute\u013enosti od developera<\/li>\n\n\n\n<li>pre investorov \u010dakaj\u00facich na pr\u00edle\u017eitos\u0165<\/li>\n\n\n\n<li>pre kupuj\u00facich, ktor\u00ed chc\u00fa by\u0165 pri k\u00fape nehnute\u013enosti r\u00fdchli<\/li>\n<\/ul>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Chcete dosta\u0165 hypot\u00e9ku?<\/strong><\/h2>\n\n\n\n<p>Realitn\u00fd trh praje pripraven\u00fdm. Ak zva\u017eujete k\u00fapu nehnute\u013enosti, ale e\u0161te ste \u017eiadnu nena\u0161li, hypot\u00e9ka bez nehnute\u013enosti m\u00f4\u017ee by\u0165 va\u0161\u00edm k\u013e\u00fa\u010dom k r\u00fdchlemu a v\u00fdhodn\u00e9mu n\u00e1kupu. Navy\u0161e budete presne vedie\u0165, ak\u00fa nehnute\u013enos\u0165 si m\u00f4\u017eete dovoli\u0165. Za\u010da\u0165 m\u00f4\u017eete priamo v na\u0161ej <a href=\"https:\/\/www.fingo.sk\/hypoteky\">hypotek\u00e1rnej kalkula\u010dke<\/a>.<\/p>\n\n\n\n<p>O mo\u017enostiach, podmienkach a v\u00fdhod\u00e1ch konkr\u00e9tneho rie\u0161enia sa s nami m\u00f4\u017eete <a href=\"https:\/\/www.fingo.sk\/kontakty\"><em>bezplatne poradi\u0165<\/em><\/a>.<\/p>\n\n\n\n<p><strong><em>Viac inform\u00e1cii o tom, ako dosta\u0165 hypot\u00e9ku, sa dozviete z blogu <a href=\"http:\/\/Podmienky hypot\u00e9ky v roku 2025: V\u0161etko, \u010do potrebujete vedie\u0165\">Podmienky hypot\u00e9ky: V\u0161etko, \u010do potrebujete vedie\u0165.<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Naj\u010dastej\u0161ie ot\u00e1zky k hypot\u00e9ke bez nehnute\u013enosti<\/strong><\/h2>\n\n\n\n<h3>1. \u010co ke\u010f si nestihnem n\u00e1js\u0165 nehnute\u013enos\u0165 do doby platnosti hypot\u00e9ky?<\/h3>\n\n\n\n<p>Platnos\u0165 hypot\u00e9ky na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165 kon\u010d\u00ed po 2 \u2013 12 mesiacoch v z\u00e1vislosti od konkr\u00e9tnej banky. Ak si dovtedy nehnute\u013enos\u0165 nevyberiete, bude potrebn\u00e9 po\u017eiada\u0165 o nov\u00e9 pos\u00fadenie a aktualiz\u00e1ciu podkladov. To m\u00f4\u017ee zah\u0155\u0148a\u0165 op\u00e4tovn\u00e9 dolo\u017eenie pr\u00edjmu alebo zmenu podmienok.<\/p>\n\n\n\n<h3>2. D\u00e1 sa predschv\u00e1len\u00e1 hypot\u00e9ka vyu\u017ei\u0165 aj na rekrea\u010dn\u00fd objekt alebo pozemok?<\/h3>\n\n\n\n<p>Nie, banky, ktor\u00e9 poskytuj\u00fa hypot\u00e9ky na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165, akceptuj\u00fa ako predmet zabezpe\u010denia len byt alebo rodinn\u00fd dom. Va\u0161e z\u00e1mery je ide\u00e1lne prebra\u0165 s hypotek\u00e1rnym \u0161pecialistom u\u017e pri \u00favodnej konzult\u00e1cii.<\/p>\n\n\n\n<h3>3. M\u00f4\u017eem hypot\u00e9ku bez nehnute\u013enosti vyu\u017ei\u0165 opakovane, ak som ju u\u017e predt\u00fdm ne\u010derpal?<\/h3>\n\n\n\n<p>V z\u00e1sade \u00e1no, ale v\u017edy je potrebn\u00e9 nov\u00e9 pos\u00fadenie \u017eiadosti \u2013 \u010di\u017ee nov\u00fd schva\u013eovac\u00ed proces. Naviac je v niektor\u00fdch pr\u00edpadoch nevy\u010derpanie \u00faveru spoplatnen\u00e9. Hypot\u00e9ka bez nehnute\u013enosti nie je jednorazov\u00fd produkt, ale forma pr\u00edpravy a ide o slu\u017ebu ku klasickej hypot\u00e9ke. Po uplynut\u00ed jej platnosti sa mus\u00ed v\u0161etko znovu preveri\u0165 a dohodn\u00fa\u0165 sa na pr\u00edpadnej zmene produktu na klasick\u00fa hypot\u00e9ku.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_mortgage\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=mortgage\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Na dne\u0161nom realitnom trhu plat\u00ed jednoduch\u00e9 pravidlo: kto sa sk\u00f4r rozhodne a zaplat\u00ed, m\u00e1 prednos\u0165. Pr\u00e1ve v tomto prostred\u00ed z\u00edskava na atraktivite hypot\u00e9ka na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165 \u2013 teda \u00faver, ktor\u00fd si vybav\u00edte e\u0161te sk\u00f4r, ne\u017e viete, ak\u00fa nehnute\u013enos\u0165 k\u00fapite. \u010co je to hypot\u00e9ka bez nehnute\u013enosti? Hypot\u00e9ka bez nehnute\u013enosti, niekedy naz\u00fdvan\u00e1 aj hypot\u00e9ka naopak alebo hypot\u00e9ka na ne\u0161pecifikovan\u00fa nehnute\u013enos\u0165, je \u0161pecifick\u00fd typ financovania, ktor\u00fd v\u00e1m umo\u017en\u00ed z\u00edska\u0165 schv\u00e1len\u00fd objem financi\u00ed (zjednodu\u0161ene povedan\u00e9 dosta\u0165 hypot\u00e9ku) bez toho, aby ste museli hne\u010f ru\u010di\u0165 konkr\u00e9tnou nehnute\u013enos\u0165ou. Ako to funguje? T\u00fdmto sp\u00f4sobom vstupujete na trh s istotou financovania \u2013 a to v\u00e1m d\u00e1va oproti ostatn\u00fdm kupuj\u00facim z\u00e1sadn\u00fa v\u00fdhodu. Kupujete nehnute\u013enos\u0165? Pre\u010d\u00edtajte si blog 10 r\u00e1d, ako v\u00fdhodne k\u00fapi\u0165 byt alebo dom. Pre\u010do o hypot\u00e9ke bez nehnute\u013enosti uva\u017eova\u0165? 1. R\u00fdchlos\u0165 rozhoduje Zauj\u00edmav\u00e9 nehnute\u013enosti sa \u010dasto predaj\u00fa v priebehu nieko\u013ek\u00fdch dn\u00ed. Ak u\u017e m\u00e1te hypot\u00e9ku schv\u00e1len\u00fa, m\u00f4\u017eete ihne\u010f podp\u00edsa\u0165 rezerva\u010dn\u00fa zmluvu a predbehn\u00fa\u0165 konkurenciu, ktor\u00e1 e\u0161te len rie\u0161i financovanie. 2. V\u00fdhoda pre investorov Investori do nehnute\u013enost\u00ed t\u00fato strat\u00e9giu vyu\u017e\u00edvaj\u00fa be\u017ene \u2013 maj\u00fa schv\u00e1len\u00fd objem \u00faveru (schv\u00e1len\u00fd obnos pe\u0148az\u00ed, ktor\u00e9 m\u00f4\u017eu obratom \u010derpa\u0165), ktor\u00fd sa stanov\u00ed na z\u00e1klade bonity klienta. Po\u017eiadaj\u00fa si o maximum, ale potom m\u00f4\u017eu vy\u010derpa\u0165 menej, ak kupuj\u00fa lacnej\u0161iu nehnute\u013enos\u0165. Kone\u010dn\u00e1 \u00faprava sa stanov\u00ed dodatkom [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":10197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>M\u00f4\u017eem dosta\u0165 hypot\u00e9ku, aj ke\u010f nem\u00e1m vyhliadnut\u00fa nehnute\u013enos\u0165?<\/title>\n<meta name=\"description\" content=\"Na trhu v\u00ed\u0165az\u00ed ten, kto zaplat\u00ed ako prv\u00fd. 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