{"id":10416,"date":"2025-07-16T15:28:39","date_gmt":"2025-07-16T13:28:39","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10416"},"modified":"2025-07-16T15:30:37","modified_gmt":"2025-07-16T13:30:37","slug":"zalozenie-nehnutelnosti-pri-hypoteke-ake-byty-a-domy-su-vhodne-a-ktore-maju-stopku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/zalozenie-nehnutelnosti-pri-hypoteke-ake-byty-a-domy-su-vhodne-a-ktore-maju-stopku\/","title":{"rendered":"Zalo\u017eenie nehnute\u013enosti pri hypot\u00e9ke: Ak\u00e9 byty a domy s\u00fa vhodn\u00e9 a ktor\u00e9 maj\u00fa stopku?"},"content":{"rendered":"\n<p><strong>Pl\u00e1nujete si zobra\u0165 hypot\u00e9ku? Myslite na to, \u017ee banka nebude posudzova\u0165 len v\u00e1\u0161 pr\u00edjem. Rovnako d\u00f4le\u017eit\u00e9 je aj to, akou nehnute\u013enos\u0165ou budete ru\u010di\u0165 v prospech \u00faveru. Pripravili sme pre v\u00e1s preh\u013ead, ktor\u00e9 byty a domy s\u00fa pre banky bezprobl\u00e9mov\u00fdm zabezpe\u010den\u00edm a pri ak\u00fdch m\u00f4\u017eu vznikn\u00fa\u0165 komplik\u00e1cie.<\/strong><\/p>\n\n\n\n<p>Financovanie b\u00fdvania m\u00f4\u017eu skomplikova\u0165 nielen faktory, ktor\u00e9 sa t\u00fdkaj\u00fa v\u00e1s ako \u017eiadate\u013ea o hypot\u00e9ku. \u010cast\u00e9 s\u00fa aj probl\u00e9my na strane nehnute\u013enosti, ktor\u00fa banke pon\u00fakate ako zabezpe\u010denie \u00faveru. Ide jednak o nevhodn\u00e9 typy nehnute\u013enost\u00ed, ale aj o technick\u00e9 nedostatky alebo nes\u00falad medzi z\u00e1pisom v katastri a skuto\u010dn\u00fdm stavom nehnute\u013enosti.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pre\u010do s\u00fa pr\u00e1ve nehnute\u013enosti vhodn\u00e9 pre ru\u010denie?<\/h2>\n\n\n\n<p>Nehnute\u013enosti maj\u00fa <strong>hmotn\u00fa povahu, <\/strong>s\u00fa pevne spojen\u00e9 so zemou a nedaj\u00fa sa premiest\u0148ova\u0165. Z\u00e1rove\u0148 sa s nimi d\u00e1 obchodova\u0165, m\u00f4\u017eu sa pomerne jednoducho kupova\u0165 a pred\u00e1va\u0165, a existuje ich presn\u00e1 evidencia v katastri nehnute\u013enost\u00ed. V\u010faka t\u00fdmto vlastnostiam s\u00fa pre banky ide\u00e1lnou formou zabezpe\u010denia.<\/p>\n\n\n\n<p>Aby banka mohla nehnute\u013enos\u0165 detailne pos\u00fadi\u0165, mus\u00edte jej dolo\u017ei\u0165 <strong>znaleck\u00fd posudok. <\/strong>V niektor\u00fdch pr\u00edpadoch ur\u010dit\u00e9 banky akceptuj\u00fa aj in\u00e9 sp\u00f4soby ocenenia nehnute\u013enost\u00ed, ako s\u00fa napr\u00edklad cenov\u00e9 mapy na byty \u010di intern\u00e9 ocenenie samotnou bankou. Pozor,<strong> nie v\u0161etky nehnute\u013enosti <\/strong>maj\u00fa v banke zelen\u00fa! Ni\u017e\u0161ie v \u010dl\u00e1nku sa na to pozrieme podrobnej\u0161ie.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Na \u010do da\u0165 pozor pri nehnute\u013enostiach<\/h2>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Pr\u00e1vny stav mus\u00ed by\u0165 toto\u017en\u00fd so skutkov\u00fdm<\/h3>\n\n\n\n<ul>\n<li>Nehnute\u013enos\u0165 mus\u00ed by\u0165 riadne zap\u00edsan\u00e1 v katastri na liste vlastn\u00edctva a v katastr\u00e1lnej mape so skuto\u010dn\u00fdm p\u00f4dorysom, vr\u00e1tane v\u0161etk\u00fdch pr\u00edstavieb a drobn\u00fdch stavieb, ktor\u00e9 v zmysle stavebn\u00e9ho z\u00e1kona maj\u00fa by\u0165 zap\u00edsan\u00e9.<\/li>\n\n\n\n<li>Nehnute\u013enos\u0165 mus\u00ed by\u0165 v osobnom vlastn\u00edctve &#8211; \u0161tandardne sa neakceptuj\u00fa byty v dru\u017estevnom vlastn\u00edctve.<\/li>\n\n\n\n<li>Musia by\u0165 jasn\u00e9 a pr\u00e1vne vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va, \u010di\u017ee nehnute\u013enos\u0165 by mala by\u0165 bez s\u00fadnych sporov a exek\u00faci\u00ed.<\/li>\n\n\n\n<li>Pozemok pod nehnute\u013enos\u0165ou mus\u00ed by\u0165 vysporiadan\u00fd a v s\u00falade s listom vlastn\u00edctva.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Akceptovate\u013en\u00fd technick\u00fd stav a \u00fa\u010del vyu\u017e\u00edvania<\/h3>\n\n\n\n<ul>\n<li>Nehnute\u013enos\u0165 mus\u00ed by\u0165 <strong>v ob\u00fdvate\u013enom stave a skolaudovan\u00e1. <\/strong><\/li>\n\n\n\n<li>Mus\u00ed obsahova\u0165 v\u0161etky prvky nevyhnutn\u00e9 <strong>k trval\u00e9mu b\u00fdvaniu<\/strong> ako je funk\u010dn\u00e1 kuchy\u0148a a soci\u00e1lne zariadenie, napojenie na zdroj elektriny, tepla a vody.<\/li>\n\n\n\n<li><strong>Nesmie \u00eds\u0165 o \u010diernu stavbu<\/strong>, teda neleg\u00e1lnu nehnute\u013enos\u0165 postaven\u00fa bez vydan\u00e9ho stavebn\u00e9ho povolenia.<\/li>\n\n\n\n<li>Nehnute\u013enos\u0165 mus\u00ed by\u0165<strong> ur\u010den\u00e1 na b\u00fdvanie<\/strong>, nie na podnikanie alebo rekre\u00e1ciu.<\/li>\n\n\n\n<li><strong>Vyhovuj\u00facimi nehnute\u013enos\u0165ami<\/strong> s\u00fa byty, rodinn\u00e9 domy, aj rozostavan\u00e9, novostavby v developersk\u00fdch projektoch ur\u010den\u00e9 na b\u00fdvanie, v niektor\u00fdch pr\u00edpadoch aj chaty \u010di apartm\u00e1ny na celoro\u010dn\u00e9 b\u00fdvanie, ale aj pozemky ur\u010den\u00e9 na zastavanie individu\u00e1lnou bytovou v\u00fdstavbou.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Dostupnos\u0165 a akceptovate\u013en\u00e1 lokalita<\/h3>\n\n\n\n<ul>\n<li>Nehnute\u013enos\u0165 mus\u00ed ma\u0165 zabezpe\u010den\u00fd <strong>pr\u00edstup z verejnej komunik\u00e1cie<\/strong>, pri\u010dom m\u00e1 \u00eds\u0165 o spevnen\u00fa pr\u00edstupov\u00fa cestu, ktor\u00e1 je vlastn\u00edcky vysporiadan\u00e1.<\/li>\n\n\n\n<li>Malo by \u00eds\u0165 o nehnute\u013enos\u0165<strong> v intravil\u00e1ne<\/strong> obce alebo mesta, teda tam, kde v r\u00e1mci \u00fazemn\u00e9ho pl\u00e1nu je povolen\u00e9 stava\u0165 s \u00fa\u010delom trval\u00e9ho b\u00fdvania.<\/li>\n\n\n\n<li>Banka nezoberie do zabezpe\u010denia nehnute\u013enos\u0165 <strong>v od\u013eahlej oblasti<\/strong> s obmedzen\u00fdm alebo vlastn\u00edcky nevysporiadan\u00fdm pr\u00edstupom.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Bez obmedzenia mo\u017enosti zriadenia z\u00e1lo\u017en\u00e9ho pr\u00e1va<\/h3>\n\n\n\n<ul>\n<li>Na liste vlastn\u00edctva mus\u00ed by\u0165 <strong>\u0165archa financuj\u00facej banky ako prv\u00e1 v porad\u00ed<\/strong>. To znamen\u00e1, \u017ee \u017eiadna in\u00e1 banka alebo exek\u00facia nesmie by\u0165 pred \u0148ou.<\/li>\n\n\n\n<li>Banky pred svojim z\u00e1lo\u017en\u00fdm pr\u00e1vom na liste vlastn\u00edctva akceptuj\u00fa<strong> len z\u00e1konn\u00e9 \u0165archy<\/strong>, ktor\u00e9 sa t\u00fdkaj\u00fa pr\u00e1va u\u017e\u00edvania spolo\u010dn\u00fdch \u010dast\u00ed a zariaden\u00ed pri bytovom dome. \u010ealej vecn\u00e9 bremen\u00e1 v prospech energetick\u00fdch, vod\u00e1rensk\u00fdch a plyn\u00e1rensk\u00fdch podnikov, ktor\u00e9 spo\u010d\u00edvaj\u00fa v pr\u00e1ve vstupu na pozemok za \u00fa\u010delom umiestnenia, prev\u00e1dzky a \u00fadr\u017eby pr\u00edslu\u0161n\u00fdch energetick\u00fdch zariaden\u00ed.<\/li>\n\n\n\n<li>Banky akceptuj\u00fa, ak je na liste vlastn\u00edctva \u0165archa v prospech \u0160t\u00e1tneho fondu rozvoja b\u00fdvania a tie\u017e <strong>predch\u00e1dzaj\u00face z\u00e1lo\u017en\u00e9 pr\u00e1vo<\/strong> v prospech tej istej banky.<\/li>\n\n\n\n<li><strong>In\u00e9 typy tiarch<\/strong> ako s\u00fa pr\u00e1vo do\u017eitia, predkupn\u00e9 pr\u00e1vo, rozhodnutie o v\u00fdkone exek\u00facie alebo \u0165archa inej fyzickej alebo pr\u00e1vnickej osoby <strong>nie s\u00fa povolen\u00e9.<\/strong><\/li>\n\n\n\n<li>V\u00fdnimkou je z\u00e1lo\u017en\u00e9 pr\u00e1vo inej banky zabezpe\u010duj\u00face \u00faver, ktor\u00fd bude vyplaten\u00fd \u010derpan\u00edm \u00faveru z novej banky. Na z\u00e1klade neho <strong>p\u00f4vodn\u00e1 \u0165archa zanikne.<\/strong><\/li>\n<\/ul>\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\">Ak\u00e9 s\u00fa teda vhodn\u00e9 typy nehnute\u013enost\u00ed pre ru\u010denie?<\/h2>\n\n\n\n<p>Pri klasick\u00fdch \u00faveroch na b\u00fdvanie &#8211; teda hypot\u00e9kach, je vhodnou nehnute\u013enos\u0165ou na b\u00fdvanie prim\u00e1rne<strong> reziden\u010dn\u00e1 nehnute\u013enos\u0165 <\/strong>-\u010di\u017ee nehnute\u013enos\u0165 ur\u010den\u00e1 na b\u00fdvanie.<\/p>\n\n\n\n<p><strong><em>Kupujete dom? Pre\u010d\u00edtajte si blog o tom, <a href=\"https:\/\/www.fingo.sk\/blog\/kupa-rodinneho-domu-na-co-si-dat-pozor-comu-sa-vyhnut-a-ako-vybavit-hypoteku\/\">na \u010do si da\u0165 pozor, \u010domu sa vyhn\u00fa\u0165 a ako vybavi\u0165 hypot\u00e9ku<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Byty<\/h2>\n\n\n\n<p>Najbe\u017enej\u0161ou a najmenej problematickou reziden\u010dnou nehnute\u013enos\u0165ou, ktorou klienti ru\u010dia v prospech hypot\u00e9ky, s\u00fa byty. Banky ich be\u017ene akceptuj\u00fa, ak ide o byt v osobnom vlastn\u00edctve. Byt je tou <strong>naj\u013eah\u0161ie ocenite\u013enou<\/strong> nehnute\u013enos\u0165ou a z\u00e1rove\u0148 aj najviac likvidnou, ke\u010f\u017ee na realitnom trhu je najv\u00e4\u010d\u0161\u00ed dopyt pr\u00e1ve po bytoch. Podmienkou akceptovania bytu je samozrejme aj pr\u00e1vne vysporiadan\u00fd pozemok pod bytovkou.<\/p>\n\n\n\n<p><strong>TIP<\/strong>: Niektor\u00e9 banky vedia pri ocenen\u00ed bytu vyu\u017ei\u0165 aj<strong> intern\u00e9 hodnoty, resp. cenov\u00e9 mapy<\/strong> a vtedy nemus\u00edte dokladova\u0165 znaleck\u00fd posudok. T\u00fdka sa to najm\u00e4 bytov v krajsk\u00fdch mest\u00e1ch.<\/p>\n\n\n\n<p>V\u00fdhodou m\u00f4\u017ee by\u0165 aj ke\u010f zaklad\u00e1te <strong>novostavbu<\/strong> v developerskom projekte. Ak m\u00e1 developer dohodu s bankou, kde rie\u0161ite hypot\u00e9ku, je to ove\u013ea jednoduch\u0161ie. M\u00f4\u017eete tak u\u0161etri\u0165 peniaze za znaleck\u00fd posudok a obvykle si banky pri financovan\u00ed k\u00fapy bytu v developerskom projekte ne\u00fa\u010dtuj\u00fa ani poplatok za poskytnutie hypot\u00e9ky.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">\u0160pecifick\u00e9 situ\u00e1cie pri bytoch<\/h3>\n\n\n\n<ul>\n<li>Ak chcete k\u00fapi\u0165 a zalo\u017ei\u0165 <strong>rozostavan\u00fd byt,<\/strong> ktor\u00fd nie je v developerskom projekte financovanom bankou, vtedy banka hypot\u00e9ku pos\u00fadi len ak je byt zap\u00edsan\u00fd na liste vlastn\u00edctva ako rozostavan\u00fd. \u010cerpanie \u00faveru povol\u00ed a\u017e po jeho kolaud\u00e1cii.<\/li>\n\n\n\n<li>Nie v\u0161etky typy bytov s\u00fa pre banky rovnako prijate\u013en\u00e9. \u0160pecifickou kateg\u00f3riou s\u00fa <strong>apartm\u00e1nov\u00e9 byty alebo ateli\u00e9ry<\/strong>, ktor\u00e9 sa hlavne v novostavb\u00e1ch vyskytuj\u00fa \u010doraz \u010dastej\u0161ie. Viac o nich pop\u00ed\u0161eme ni\u017e\u0161ie.<\/li>\n\n\n\n<li><strong>Tieto ne\u0161tandardn\u00e9 byty<\/strong> m\u00f4\u017eu ma\u0165 probl\u00e9m s akcept\u00e1ciou. Pri niektor\u00fdch banka \u00faver neschv\u00e1li v\u00f4bec, pr\u00edpadne poskytne len ni\u017e\u0161\u00ed \u00faver, \u010di\u017ee zn\u00ed\u017ei LTV &#8211; pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Apartm\u00e1ny alebo ateli\u00e9ry<\/h3>\n\n\n\n<p><strong>Apartm\u00e1n<\/strong> je nehnute\u013enos\u0165 skolaudovan\u00e1 ako nebytov\u00fd priestor, teda nie ako byt. N\u00e1jdete ich najm\u00e4 v turistick\u00fdch oblastiach alebo v projektoch \u201eso slu\u017ebami&#8220; a niekedy s\u00fa ur\u010den\u00e9 na kr\u00e1tkodob\u00fd pren\u00e1jom. <strong>Ateli\u00e9r <\/strong>je tie\u017e nebytov\u00fdm priestorom, \u010dasto sl\u00fa\u017ei ako kancel\u00e1ria \u010di \u0161t\u00fadio. Tieto nehnute\u013enosti \u010dasto vyzeraj\u00fa ako byty, ale pod\u013ea z\u00e1pisu na liste vlastn\u00edctva je zrejm\u00e9, \u017ee ide o nebytov\u00fd priestor.<\/p>\n\n\n\n<p>V tomto pr\u00edpade ich banky neber\u00fa ako nehnute\u013enos\u0165 na b\u00fdvanie, ale ako <strong>komer\u010dn\u00fd priestor. <\/strong>Po\u010d\u00edtajte s t\u00fdm, \u017ee nimi nem\u00f4\u017eete ru\u010di\u0165 v prospech klasickej hypot\u00e9ky, ale len v prospech <strong>spotrebite\u013esk\u00e9ho \u00faveru<\/strong> s ru\u010den\u00edm, ktor\u00fd poskytuje maxim\u00e1lnu splatnos\u0165<strong> 8 rokov <\/strong>a financovanie maxim\u00e1lne <strong>50 a\u017e 60 % <\/strong>z hodnoty nehnute\u013enosti.<\/p>\n\n\n\n<ul>\n<li>Existuj\u00fa v\u00fdnimky, kedy niektor\u00e9 banky vedia tieto <strong>ne\u0161tandardn\u00e9 nehnute\u013enosti<\/strong> pos\u00fadi\u0165 ako <strong>vhodn\u00e9 na reziden\u010dn\u00e9 b\u00fdvanie<\/strong>.<\/li>\n\n\n\n<li>Ide najm\u00e4 o apartm\u00e1ny alebo ateli\u00e9ry, ktor\u00e9 s\u00fa s\u00fa\u010das\u0165ou mestskej v\u00fdstavby a kv\u00f4li ur\u010dit\u00fdm technick\u00fdm norm\u00e1m (svetlotechnika a pod.) a \u00fazemn\u00e9mu pl\u00e1nu nemohli by\u0165 skolaudovan\u00e9 ako byty, av\u0161ak sp\u013a\u0148aj\u00fa ostatn\u00e9 krit\u00e9ri\u00e1 na <strong>mestsk\u00e9 celoro\u010dn\u00e9 b\u00fdvanie<\/strong>.<\/li>\n\n\n\n<li>Vtedy m\u00f4\u017eete ma\u0165 schv\u00e1len\u00fa klasick\u00fa hypot\u00e9ku <strong>so splatnos\u0165ou do 30 rokov<\/strong> a financovan\u00edm a\u017e <strong>do 80 %, resp. 90 % hodnoty.<\/strong><\/li>\n\n\n\n<li>V\u00fdnimky sa v\u0161ak nevz\u0165ahuj\u00fa na<strong> rekrea\u010dn\u00e9 lokality,<\/strong> kde je zjavn\u00e9, \u017ee tieto nehnute\u013enosti sl\u00fa\u017eia na rekre\u00e1ciu a nie na trval\u00e9 b\u00fdvanie.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Viete o tom, \u017ee m\u00f4\u017eete dosta\u0165 hypot\u00e9ku aj ke\u010f e\u0161te nem\u00e1te vyhliadnut\u00fa nehnute\u013enos\u0165? Pre\u010d\u00edtajte si <a href=\"https:\/\/www.fingo.sk\/blog\/mozem-dostat-hypoteku-aj-ked-este-nemam-vyhliadnutu-nehnutelnost\/\">blog<\/a>, ako na to. <\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Rodinn\u00e9 domy<\/h2>\n\n\n\n<p>Banky pri hypot\u00e9ke be\u017ene akceptuj\u00fa aj rodinn\u00e9 domy. Tak ako pri bytoch, aj tu plat\u00ed, \u017ee mus\u00ed \u00eds\u0165 o ob\u00fdvate\u013en\u00fd dom<strong> v dobrom technickom stave<\/strong>.<\/p>\n\n\n\n<ul>\n<li>Dom <strong>mus\u00ed ma\u0165 pr\u00edpojky <\/strong>alebo mo\u017enos\u0165 napojenia na z\u00e1kladn\u00e9 siete (voda, elektrina, kanaliz\u00e1cia\/septik).<\/li>\n\n\n\n<li>Samozrejmos\u0165ou je<strong> vysporiadan\u00fd pozemok <\/strong>pod domom a aj pr\u00edstupov\u00e1 cesta.<\/li>\n\n\n\n<li>Dom mus\u00ed ma\u0165 vyrie\u0161en\u00fd <strong>pr\u00edstup <\/strong>z verejnej komunik\u00e1cie alebo cez zmluvu o vecnom bremene na prechod a prejazd.<\/li>\n\n\n\n<li>Zaklad\u00e1 sa v\u017edy rodinn\u00fd<strong> dom ako celok<\/strong> &#8211; aj v pr\u00edpade, ak ide o viacgenera\u010dn\u00fd dom. So zalo\u017een\u00edm domu v prospech hypot\u00e9ky musia s\u00fahlasi\u0165 v\u0161etci vlastn\u00edci.<\/li>\n\n\n\n<li>Pri posudzovan\u00ed hodnoty domu je d\u00f4le\u017eit\u00e1 aj <strong>lokalita<\/strong>. Banky sk\u00f4r zalo\u017eia dom v \u0161tandardnej obytnej z\u00f3ne ako niekde na samote, kde ch\u00fdba ob\u010dianska vybavenos\u0165 &#8211; preto\u017ee to m\u00f4\u017ee ma\u0165 negat\u00edvny vplyv na predajnos\u0165 nehnute\u013enosti.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Domy v \u0161t\u00e1diu v\u00fdstavby<\/h3>\n\n\n\n<p>Banky vedia pos\u00fadi\u0165 a zalo\u017ei\u0165 nielen skolaudovan\u00e9 domy, ale aj domy v \u0161t\u00e1diu v\u00fdstavby &#8211; ak je mo\u017en\u00e9 zap\u00edsa\u0165 stavbu ako <strong>rozostavan\u00fd rodinn\u00fd dom<\/strong> na z\u00e1klade katastrom overen\u00e9ho <strong>geometrick\u00e9ho pl\u00e1nu<\/strong>. Tu v\u0161ak treba po\u010d\u00edta\u0165 s rozli\u010dn\u00fdm pr\u00edstupom jednotliv\u00fdch b\u00e1nk.<\/p>\n\n\n\n<ul>\n<li>Niektor\u00e9 banky nedokone\u010den\u00e9 domy nefinancuj\u00fa, resp. len vo vy\u0161\u0161om \u0161t\u00e1diu rozostavanosti.<\/li>\n\n\n\n<li>In\u00fdm bank\u00e1m sta\u010d\u00ed z\u00e1kladov\u00e1 doska a vidite\u013en\u00e9 prv\u00e9 nadzemn\u00e9 podla\u017eie s jeho funk\u010dn\u00fdm rozdelen\u00edm.<\/li>\n\n\n\n<li>\u00daver potom \u010derp\u00e1te postupne pod\u013ea f\u00e1zy v\u00fdstavby, pri\u010dom zalo\u017e\u00edte u\u017e rozostavan\u00fa stavbu.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Pozor na \u00fa\u010del vyu\u017eitia a neleg\u00e1lne drobn\u00e9 stavby<\/h3>\n\n\n\n<p>D\u00e1vajte pozor aj na \u00fa\u010del vyu\u017eitia rodinn\u00fdch domov. Pokia\u013e je stavba zap\u00edsan\u00e1 ako<strong> chata<\/strong>, ale re\u00e1lne sl\u00fa\u017ei na b\u00fdvanie, mus\u00edte banke dolo\u017ei\u0165 <strong>potvrdenie z obce o celoro\u010dnej ob\u00fdvate\u013enosti. <\/strong>Aj zo znaleck\u00e9ho posudku mus\u00ed vypl\u00fdva\u0165, \u017ee nehnute\u013enos\u0165 sp\u013a\u0148a v\u0161etky po\u017eiadavky na trval\u00e9 b\u00fdvanie. V opa\u010dnom pr\u00edpade m\u00f4\u017eete nehnute\u013enos\u0165 vo v\u00e4\u010d\u0161ine b\u00e1nk zalo\u017ei\u0165, ale len v prospech \u00faveru so splatnos\u0165ou 8 rokov. Teda nie cez \u00faver na b\u00fdvanie s dlhodobou a\u017e 30 ro\u010dnou splatnos\u0165ou.<\/p>\n\n\n\n<p>Pri domoch si treba da\u0165 \u0161peci\u00e1lne pozor aj na to, aby sa zhodoval re\u00e1lny stav s t\u00fdm, ktor\u00fd je zakreslen\u00fd v katastr\u00e1lnej mape. Obvykle banky neuznaj\u00fa, ak m\u00e1te napr\u00edklad gar\u00e1\u017e, ktor\u00e1 nie je zlegalizovan\u00e1. Taktie\u017e b\u00fdvaj\u00fa problematick\u00e9 <strong>neleg\u00e1lne pr\u00edstavby, pr\u00edstre\u0161ky a in\u00e9 s\u00fa\u010dasti pozemku<\/strong>, ktor\u00e9 pod\u013ea stavebn\u00e9ho z\u00e1kona maj\u00fa prejs\u0165 kolaud\u00e1ciou. V bank\u00e1ch existuj\u00fa v\u00fdnimky, kedy <strong>nie je potrebn\u00e9 da\u0165 zap\u00edsa\u0165 ur\u010dit\u00e9 typy drobn\u00fdch stavieb<\/strong>.<\/p>\n\n\n\n<p><strong>TIP<\/strong>: V pr\u00edpade nezrovnalost\u00ed na pozemku si e\u0161te pred vybaven\u00edm hypot\u00e9ky urobte &nbsp;prieskum, \u010do ktor\u00e1 banka akceptuje a \u010do nie.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Zhrnutie a odpor\u00fa\u010danie<\/h2>\n\n\n\n<p>Ako sme pop\u00edsali vy\u0161\u0161ie, nevhodn\u00e9 nehnute\u013enosti s\u00fa v\u00e4\u010d\u0161inou v zlom technickom stave, nemaj\u00fa vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va alebo im ch\u00fdba korektn\u00fd z\u00e1pis v katastri nehnute\u013enost\u00ed. Banky ich v tom pr\u00edpade nemusia akceptova\u0165 alebo ich hodnotu zn\u00ed\u017eia. V lep\u0161om pr\u00edpade ich dok\u00e1\u017eu op\u00e4tovne pos\u00fadi\u0165, ak sa tieto nedostatky odstr\u00e1nia.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">Ak\u00e9 s\u00fa teda naj\u010dastej\u0161ie prek\u00e1\u017eky?<\/h3>\n\n\n\n<ul>\n<li>Nehnute\u013enos\u0165 alebo pozemok<strong> nem\u00e1 vysporiadan\u00e9 vlastn\u00edcke pr\u00e1va<\/strong><\/li>\n\n\n\n<li>K pozemku <strong>nie je zriaden\u00fd pr\u00edstup <\/strong>z verejnej komunik\u00e1cie<\/li>\n\n\n\n<li>Nehnute\u013enos\u0165 je <strong>v zlom technickom stave<\/strong> a pre banku je nevyhovuj\u00faca<\/li>\n\n\n\n<li>Na nehnute\u013enosti je <strong>neakceptovate\u013en\u00e1 \u0165archa,<\/strong> exek\u00facia alebo in\u00e9 bremeno<\/li>\n\n\n\n<li>Nehnute\u013enos\u0165 sa nach\u00e1dza <strong>v nevhodnej lokalite<\/strong><\/li>\n\n\n\n<li>Bud\u00faca nehnute\u013enos\u0165 e\u0161te <strong>nie je dostato\u010dne rozostavan\u00e1<\/strong><\/li>\n\n\n\n<li>Nehnute\u013enos\u0165 <strong>nie je reziden\u010dn\u00e1<\/strong> &#8211; ur\u010den\u00e1 na b\u00fdvanie. Ide napr\u00edklad o komer\u010dn\u00e9 priestory, ako s\u00fa obchody, kancel\u00e1rie alebo re\u0161taur\u00e1cie, \u010falej o priemyseln\u00e9 haly a sklady, po\u013enohospod\u00e1rske stavby, polyfunk\u010dn\u00e9 objekty, kde \u010das\u0165 ur\u010den\u00e1 na b\u00fdvanie tvor\u00ed menej ako 50 % celkovej podlahovej plochy budovy, a rekrea\u010dn\u00e9 objekty bez mo\u017enosti trval\u00e9ho b\u00fdvania.<\/li>\n\n\n\n<li>Pozor na stavby, ktor\u00e9 nie s\u00fa nehnute\u013enos\u0165ami, teda <strong>nemaj\u00fa pevne spojen\u00e9 z\u00e1klady so zemou.<\/strong> Tento druh stavieb nie je mo\u017en\u00e9 vyu\u017ei\u0165 ako zabezpe\u010denie hypot\u00e9ky. Ide napr\u00edklad o mobiln\u00e9 domy, maringotky, unimobunky\u2026<\/li>\n\n\n\n<li>Pre banky je podstatn\u00e1 aj technol\u00f3gia v\u00fdstavby domu. V s\u00fa\u010dasnosti sa \u010doraz \u010dastej\u0161ie vyskytuj\u00fa domy<strong> z neoveren\u00fdch alternat\u00edvnych materi\u00e1lov<\/strong>, ako s\u00fa hlinen\u00e9, slamen\u00e9 domy, domy z nep\u00e1lenej tehly a pod. Znalci maj\u00fa probl\u00e9m tieto stavby ohodnoti\u0165 a bez potrebn\u00fdch technologick\u00fdch noriem nem\u00f4\u017eu by\u0165 zo strany banky akceptovate\u013en\u00e9.<\/li>\n\n\n\n<li>Problematick\u00e9 s\u00fa aj<strong> kontajnerov\u00e9 alebo modulov\u00e9 domy<\/strong> bez trval\u00fdch z\u00e1kladov. Ak nie s\u00fa pevne spojen\u00e9 so zemou a skolaudovan\u00e9 ako rodinn\u00fd dom, banka ich nezarad\u00ed medzi nehnute\u013enosti. Aj pri samotnom financovan\u00ed v\u00fdstavby sa stret\u00e1vame so zamietav\u00fdm stanoviskom b\u00e1nk.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP<\/strong>: Ak m\u00f4\u017eete ru\u010di\u0165 aj inou vhodnou nehnute\u013enos\u0165ou, napr\u00edklad rodi\u010dovsk\u00fdm domom alebo bytom, o \u00faver by ste mohli po\u017eiada\u0165 prakticky okam\u017eite. Podstatn\u00e9 je, aby nehnute\u013enos\u0165 banka akceptovala a mala dostato\u010dn\u00fa hodnotu vzh\u013eadom k v\u00fd\u0161ke \u00faveru, o ktor\u00fd chcete po\u017eiada\u0165.<\/p>\n\n\n\n<p><\/p>\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\">V ka\u017edej banke m\u00f4\u017eete pochodi\u0165 inak<\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 finan\u010dn\u00e1 in\u0161tit\u00facia posudzuje vhodnos\u0165 alebo nevhodnos\u0165 nehnute\u013enosti inak. <strong>Banky maj\u00fa svoje intern\u00e9 krit\u00e9ri\u00e1<\/strong> na nehnute\u013enosti a na z\u00e1klade vlastn\u00fdch pravidiel posudzuj\u00fa aj ne\u0161tandardn\u00e9 nehnute\u013enosti. Napr\u00edklad s\u00fa banky, ktor\u00e9 dok\u00e1\u017eu akceptova\u0165 aj rekrea\u010dn\u00fd dom na hypot\u00e9ku na b\u00fdvanie, pokia\u013e viete zdokladova\u0165 celoro\u010dn\u00e9 b\u00fdvanie. \u010eal\u0161ie t\u00fato stavbu zalo\u017eia len na spotrebite\u013esk\u00e9 financovanie s kr\u00e1tkou 8-ro\u010dnou splatnos\u0165ou, a in\u00e9 banky v\u00e1m m\u00f4\u017eu da\u0165 stopku \u00faplne.<\/p>\n\n\n\n<p>Preto je d\u00f4le\u017eit\u00e9 vopred si zisti\u0165, \u010di konkr\u00e9tnu nehnute\u013enos\u0165 va\u0161a banka zoberie ako z\u00e1bezpeku. E\u0161te lep\u0161ie urob\u00edte, ak si nech\u00e1te poradi\u0165 <strong>od na\u0161ich sk\u00fasen\u00fdch hypotek\u00e1rnych \u0161pecialistov,<\/strong> ktor\u00ed prieskum medzi bankami urobia za v\u00e1s. Budete ma\u0165 preh\u013ead o tom, \u010di je nehnute\u013enos\u0165 pre banku v poriadku a navy\u0161e v\u00e1m porovnaj\u00fa aj v\u0161etky podmienky b\u00e1nk. T\u00fa najv\u00fdhodnej\u0161iu hypot\u00e9ku pre v\u00e1s tak z\u00edskate ove\u013ea r\u00fdchlej\u0161ie a jednoduch\u0161ie.<\/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>Pl\u00e1nujete si zobra\u0165 hypot\u00e9ku? Myslite na to, \u017ee banka nebude posudzova\u0165 len v\u00e1\u0161 pr\u00edjem. Rovnako d\u00f4le\u017eit\u00e9 je aj to, akou nehnute\u013enos\u0165ou budete ru\u010di\u0165 v prospech \u00faveru. Pripravili sme pre v\u00e1s preh\u013ead, ktor\u00e9 byty a domy s\u00fa pre banky bezprobl\u00e9mov\u00fdm zabezpe\u010den\u00edm a pri ak\u00fdch m\u00f4\u017eu vznikn\u00fa\u0165 komplik\u00e1cie. Financovanie b\u00fdvania m\u00f4\u017eu skomplikova\u0165 nielen faktory, ktor\u00e9 sa t\u00fdkaj\u00fa v\u00e1s ako \u017eiadate\u013ea o hypot\u00e9ku. \u010cast\u00e9 s\u00fa aj probl\u00e9my na strane nehnute\u013enosti, ktor\u00fa banke pon\u00fakate ako zabezpe\u010denie \u00faveru. Ide jednak o nevhodn\u00e9 typy nehnute\u013enost\u00ed, ale aj o technick\u00e9 nedostatky alebo nes\u00falad medzi z\u00e1pisom v katastri a skuto\u010dn\u00fdm stavom nehnute\u013enosti. Pre\u010do s\u00fa pr\u00e1ve nehnute\u013enosti vhodn\u00e9 pre ru\u010denie? Nehnute\u013enosti maj\u00fa hmotn\u00fa povahu, s\u00fa pevne spojen\u00e9 so zemou a nedaj\u00fa sa premiest\u0148ova\u0165. Z\u00e1rove\u0148 sa s nimi d\u00e1 obchodova\u0165, m\u00f4\u017eu sa pomerne jednoducho kupova\u0165 a pred\u00e1va\u0165, a existuje ich presn\u00e1 evidencia v katastri nehnute\u013enost\u00ed. V\u010faka t\u00fdmto vlastnostiam s\u00fa pre banky ide\u00e1lnou formou zabezpe\u010denia. Aby banka mohla nehnute\u013enos\u0165 detailne pos\u00fadi\u0165, mus\u00edte jej dolo\u017ei\u0165 znaleck\u00fd posudok. V niektor\u00fdch pr\u00edpadoch ur\u010dit\u00e9 banky akceptuj\u00fa aj in\u00e9 sp\u00f4soby ocenenia nehnute\u013enost\u00ed, ako s\u00fa napr\u00edklad cenov\u00e9 mapy na byty \u010di intern\u00e9 ocenenie samotnou bankou. Pozor, nie v\u0161etky nehnute\u013enosti maj\u00fa v banke zelen\u00fa! Ni\u017e\u0161ie v \u010dl\u00e1nku sa na to pozrieme podrobnej\u0161ie. Na \u010do da\u0165 pozor pri nehnute\u013enostiach [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":10428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[205,20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zalo\u017eenie nehnute\u013enosti pri hypot\u00e9ke: Ak\u00e9 byty a domy s\u00fa vhodn\u00e9?<\/title>\n<meta name=\"description\" content=\"Zalo\u017eenie nehnute\u013enosti pri hypot\u00e9ke m\u00e1 svoje pravidl\u00e1. 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