{"id":10925,"date":"2026-02-11T15:36:40","date_gmt":"2026-02-11T14:36:40","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10925"},"modified":"2026-02-11T15:36:42","modified_gmt":"2026-02-11T14:36:42","slug":"predavate-byt-a-kupujete-novu-nehnutelnost-ako-zosuladit-terminy-hypoteku-a-stahovanie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/predavate-byt-a-kupujete-novu-nehnutelnost-ako-zosuladit-terminy-hypoteku-a-stahovanie\/","title":{"rendered":"Pred\u00e1vate byt a kupujete nov\u00fa nehnute\u013enos\u0165? Ako zos\u00faladi\u0165 term\u00edny, hypot\u00e9ku a s\u0165ahovanie"},"content":{"rendered":"\n<p><strong>Rast cien nehnute\u013enost\u00ed sa zr\u00fdch\u013euje, zatia\u013e \u010do hypot\u00e9ky zost\u00e1vaj\u00fa relat\u00edvne dostupn\u00e9. Uva\u017eujete nad presunom do v\u00e4\u010d\u0161ieho alebo modernej\u0161ieho b\u00fdvania? K\u00fapa novej nehnute\u013enosti je \u010dasto podmienen\u00e1 predajom tej starej, \u010do m\u00f4\u017ee prin\u00e1\u0161a\u0165 finan\u010dn\u00fd stres a \u010dasov\u00fd tlak. Na\u0161e odborn\u00ed\u010dky R\u00f3berta Meckov\u00e1 a Eva \u0160ablov\u00e1 pripravili tipy, ako to zvl\u00e1dnu\u0165 bez komplik\u00e1ci\u00ed.<\/strong><\/p>\n\n\n\n<p>Ke\u010f\u017ee sa o\u010dak\u00e1va, \u017ee ceny nehnute\u013enost\u00ed bud\u00fa v tomto roku \u010falej r\u00e1s\u0165, pr\u00e1ve teraz m\u00f4\u017ee by\u0165 ide\u00e1lny moment uva\u017eova\u0165 nad k\u00fapou nov\u00e9ho b\u00fdvania.&nbsp; <em>\u201ePre v\u00e4\u010d\u0161inu klientov je k\u00fapa nov\u00e9ho b\u00fdvania priamo naviazan\u00e1 na predaj p\u00f4vodnej nehnute\u013enosti, preto\u017ee nemaj\u00fa k dispoz\u00edcii dostato\u010dn\u00e9 vlastn\u00e9 zdroje. Stret\u00e1vame sa s t\u00fdm ve\u013emi \u010dasto,\u201c<\/em> hovor\u00ed riadite\u013eka FinGO reCloud R\u00f3berta Meckov\u00e1.&nbsp;<\/p>\n\n\n\n<p>Ide\u00e1lny postup m\u00e1 pod\u013ea nej jasn\u00fa logiku. Najsk\u00f4r si preverte finan\u010dn\u00e9 mo\u017enosti a schopnos\u0165 z\u00edska\u0165 \u00faver, aby ste vedeli, s ak\u00fdm rozpo\u010dtom m\u00f4\u017eete re\u00e1lne pracova\u0165. Z\u00e1rove\u0148 je d\u00f4le\u017eit\u00e9 spr\u00e1vne <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/ocenenie-nehnutelnosti\">naceni\u0165 va\u0161u nehnute\u013enos\u0165 na predaj<\/a>, aby bolo jasn\u00e9, ak\u00e9 finan\u010dn\u00e9 zdroje z predaja vst\u00fapia do k\u00fapy.&nbsp;<\/p>\n\n\n\n<p>Po\u010fme sa detailnej\u0161ie pozrie\u0165, ako na to\u2026<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Najsk\u00f4r rozpo\u010det, a\u017e potom obhliadky<\/h2>\n\n\n\n<p>V re\u00e1lnych finan\u010dn\u00fdch mo\u017enostiach by ste mali ma\u0165 jasno e\u0161te predt\u00fdm, ne\u017e sa pust\u00edte do obhliadok. Inak riskujete, \u017ee sa nadchnete pre byt \u010di dom, ktor\u00fd si v kone\u010dnom d\u00f4sledku nebudete m\u00f4c\u0165 dovoli\u0165. Alebo naopak, budete robi\u0165 zbyto\u010dn\u00e9 \u00fastupky. <em>&nbsp;<\/em><\/p>\n\n\n\n<p><em>\u201eAk \u013eudia presko\u010dia \u00favodn\u00fa finan\u010dn\u00fa anal\u00fdzu, \u010dasto h\u013eadaj\u00fa nehnute\u013enos\u0165 mimo svojho rozpo\u010dtu alebo sa naopak zbyto\u010dne obmedzuj\u00fa, hoci by to nebolo potrebn\u00e9,\u201c<\/em> opisuje riadite\u013eka pre \u00favery FinGO.sk Eva \u0160ablov\u00e1.<\/p>\n\n\n\n<ul>\n<li>Dobrou spr\u00e1vou je, \u017ee teraz je ide\u00e1lny \u010das na hypot\u00e9ku, preto\u017ee <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farokov\u00e9 sadzby<\/a> s\u00fa st\u00e1le priazniv\u00e9.&nbsp;<\/li>\n\n\n\n<li>Na za\u010diatku sa pritom netreba viaza\u0165 na konkr\u00e9tnu banku ani pod\u00e1va\u0165 ofici\u00e1lnu \u017eiados\u0165 o \u00faver. Na \u00favod v\u00e1m \u00faplne posta\u010dia nez\u00e1v\u00e4zn\u00e9 prepo\u010dty.&nbsp;<\/li>\n\n\n\n<li>Podan\u00e1 \u017eiados\u0165 sa toti\u017e m\u00f4\u017ee zap\u00edsa\u0165 do \u00faverov\u00e9ho registra a zbyto\u010dne skomplikova\u0165 \u010fal\u0161\u00ed postup.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP: <\/strong>Sk\u00fasen\u00ed finan\u010dn\u00ed makl\u00e9ri <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a> poznaj\u00fa pravidl\u00e1 jednotliv\u00fdch b\u00e1nk a dok\u00e1\u017eu v\u00e1m vopred vybra\u0165 tie, kde m\u00e1te najv\u00e4\u010d\u0161iu \u0161ancu na schv\u00e1lenie hypot\u00e9ky.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/podmienky-hypoteky\/\"><strong><em>Podmienky hypot\u00e9ky v roku 2026 n\u00e1jdete aj v na\u0161om \u010dl\u00e1nku.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<p>N\u00e1sledne m\u00e1 zmysel, aby ste s\u00fabe\u017ene spustili h\u013eadanie nov\u00e9ho b\u00fdvania a predaj svojej nehnute\u013enosti. <em>\u201eRezerv\u00e1cia novej nehnute\u013enosti by mala pr\u00eds\u0165 a\u017e v momente, ke\u010f je predaj minim\u00e1lne rozbehnut\u00fd alebo zazmluvnen\u00fd. Preskakovanie t\u00fdchto krokov zvy\u0161uje riziko probl\u00e9mov,\u201c <\/em>rad\u00ed R\u00f3berta Meckov\u00e1.\u00a0<\/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\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" class=\"wp-image-6819\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ak\u00e9 rizik\u00e1 hrozia pri nespr\u00e1vnom harmonograme?<\/h2>\n\n\n\n<p>Ak by ste najsk\u00f4r k\u00fapili nov\u00fa nehnute\u013enos\u0165 a a\u017e potom predali svoju p\u00f4vodn\u00fa, m\u00f4\u017eete sa dosta\u0165 do zlo\u017eitej finan\u010dnej situ\u00e1cie. Pre\u010do?&nbsp;<\/p>\n\n\n\n<ul>\n<li>Dvojit\u00e9 financovanie je mo\u017en\u00e9 len vtedy, ak by ste mali n\u00e1rok na \u010fal\u0161iu hypot\u00e9ku. To v\u0161ak ve\u013eakr\u00e1t \u013eudia nemaj\u00fa, preto\u017ee banka medzi v\u00fddavky zapo\u010d\u00edtava aj spl\u00e1tky s\u00fa\u010dasnej hypot\u00e9ky.&nbsp;<\/li>\n\n\n\n<li>Mnoh\u00ed klienti z\u00e1rove\u0148 potrebuj\u00fa ma\u0165 k dispoz\u00edcii aj peniaze z predaja, aby v\u00f4bec splnili podmienky na k\u00fapu.&nbsp;<\/li>\n\n\n\n<li>Tak\u017ee ak by v\u00e1m banka druh\u00fa hypot\u00e9ku neschv\u00e1lila a vy by ste u\u017e mali rezervovan\u00fa nov\u00fa nehnute\u013enos\u0165, vznikne v\u00e1m probl\u00e9m.&nbsp;<\/li>\n\n\n\n<li>Prich\u00e1dza \u010dasov\u00fd tlak, stres a budete sa sna\u017ei\u0165 preda\u0165 star\u00fa nehnute\u013enos\u0165 \u010do najr\u00fdchlej\u0161ie, \u010do \u010dasto vedie k ni\u017e\u0161ej predajnej cene a k slab\u0161ej vyjedn\u00e1vacej poz\u00edcii.<\/li>\n<\/ul>\n\n\n\n<p>Naopak, ak by ste svoju nehnute\u013enos\u0165 najsk\u00f4r predali a a\u017e potom k\u00fapili nov\u00fa, m\u00f4\u017eete do\u010dasne zosta\u0165 bez b\u00fdvania a museli by ste rie\u0161i\u0165 pren\u00e1jom alebo pomoc rodiny. Z\u00e1rove\u0148 to pre v\u00e1s znamen\u00e1 aj dvojit\u00e9 s\u0165ahovanie.&nbsp;<\/p>\n\n\n\n<p><strong>Pozor! <\/strong>Dlh\u0161\u00ed \u010dasov\u00fd odstup medzi predajom a k\u00fapou m\u00f4\u017ee sp\u00f4sobi\u0165 aj to, \u017ee ceny nehnute\u013enost\u00ed medzi\u010dasom vzrast\u00fa a budete n\u00faten\u00ed vybra\u0165 si nehnute\u013enos\u0165, ktor\u00e1 v\u00e1m nebude \u00faplne vyhovova\u0165.&nbsp;<\/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\">Rent-back zjednodu\u0161\u00ed presun do nov\u00e9ho b\u00fdvania<\/h2>\n\n\n\n<p>K\u013e\u00fa\u010dom je teda spr\u00e1vne nastavenie harmonogramu a komunik\u00e1cia medzi v\u0161etk\u00fdmi stranami. Jedn\u00fdm z rie\u0161en\u00ed je aj tzv. rent-back, in\u00fdmi slovami n\u00e1jom sp\u00e4\u0165. Ak ste o tom e\u0161te nepo\u010duli, funguje to takto:<\/p>\n\n\n\n<ul>\n<li>Najsk\u00f4r pred\u00e1te svoj byt alebo dom, pri\u010dom na dohodnut\u00e9 obdobie v \u0148om e\u0161te zostanete b\u00fdva\u0165.<\/li>\n\n\n\n<li>Nov\u00e9mu majite\u013eovi zatia\u013e plat\u00edte n\u00e1jom, k\u00fdm sa pres\u0165ahuje do nov\u00e9ho b\u00fdvania.<\/li>\n\n\n\n<li>D\u00f4le\u017eit\u00e9 je zos\u00faladi\u0165 term\u00edny kupuj\u00faceho, pred\u00e1vaj\u00faceho, banky aj samotn\u00e9ho s\u0165ahovania.&nbsp;<\/li>\n\n\n\n<li>Ke\u010f s\u00fa tieto term\u00edny dobre nastaven\u00e9 a vopred odkomunikovan\u00e9, cel\u00fd proces m\u00f4\u017ee prebehn\u00fa\u0165 plynulo.<\/li>\n\n\n\n<li>Ide\u00e1lne je, ak budete ma\u0165 cel\u00fd proces k\u00fapy a predaja zabezpe\u010den\u00fd pod jednou strechou alebo v r\u00e1mci dobre nastavenej spolupr\u00e1ce.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\u010ci u\u017e ide o <a href=\"https:\/\/www.recloud.sk\/kontakt\/\">realitn\u00fa kancel\u00e1riu<\/a> s vlastn\u00fdm hypotek\u00e1rnym \u0161pecialistom alebo o dlhodobo funguj\u00facu spolupr\u00e1cu realitn\u00e9ho makl\u00e9ra s extern\u00fdm finan\u010dn\u00fdm sprostredkovate\u013eom, podstatn\u00e9 je, \u017ee si inform\u00e1cie vymie\u0148aj\u00fa medzi sebou a nebud\u00fa v\u00e1s t\u00fdm za\u0165a\u017eova\u0165. Vy tak nebudete musie\u0165 by\u0165 sprostredkovate\u013eom inform\u00e1ci\u00ed, cel\u00fd proces bude pre v\u00e1s r\u00fdchlej\u0161\u00ed, bezpe\u010dnej\u0161\u00ed a preh\u013eadnej\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Nezabudnite na prepis energi\u00ed a in\u00fdch slu\u017eieb<\/h2>\n\n\n\n<p>Ke\u010f v\u0161etko \u00faspe\u0161ne zvl\u00e1dnete, pri s\u0165ahovan\u00ed do nov\u00e9ho bytu alebo domu netreba myslie\u0165 len na adresu v ob\u010dianskom preukaze. D\u00f4le\u017eit\u00fd je aj prepis energi\u00ed a slu\u017eieb, ktor\u00e9 z\u00e1visia od typu nehnute\u013enosti.<\/p>\n\n\n\n<ul>\n<li>Ide najm\u00e4 o elektrinu, plyn, vodu, spr\u00e1vu nehnute\u013enosti alebo internet.<\/li>\n\n\n\n<li>Nahl\u00e1site stavy mera\u010dov k d\u00e1tumu odovzdania pr\u00edslu\u0161n\u00fdm dod\u00e1vate\u013eom.<\/li>\n\n\n\n<li>Nasleduj\u00fa prepisy u spr\u00e1vcu aj spr\u00e1vne sp\u00edsan\u00fd odovzd\u00e1vac\u00ed protokol.<\/li>\n\n\n\n<li>D\u00f4le\u017eit\u00e1 je aj \u010dasov\u00e1 rezerva na s\u0165ahovanie a to, aby ste boli pripraven\u00ed na odovzdanie bytu, ktor\u00fd bude vypratan\u00fd, \u010dist\u00fd a v stave, ako ho kupuj\u00faci videl na obhliadkach.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Hypot\u00e9ka a poistenie id\u00fa ruka v ruke<\/h2>\n\n\n\n<p>Z\u00e1rove\u0148 nezabudnite na zru\u0161enie p\u00f4vodn\u00e9ho poistenia nehnute\u013enosti a dom\u00e1cnosti a uzatvorenie nov\u00e9ho, ktor\u00e9 sa bude viaza\u0165 u\u017e na nov\u00fa nehnute\u013enos\u0165. Poistenie vinkulovan\u00e9 v prospech banky je takmer v\u017edy nevyhnutnou podmienkou \u010derpania hypot\u00e9ky.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ke\u010f\u017ee ide o ochranu v\u00e1\u0161ho vlastn\u00e9ho majetku, nastavte si <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie b\u00fdvania komplexne<\/a> &#8211;\u00a0 teda nielen samotn\u00fa nehnute\u013enos\u0165, ale zariadenie dom\u00e1cnosti a zodpovednos\u0165 za \u0161kodu.<\/p>\n\n\n\n<p>Nezab\u00fadajte, \u017ee hypot\u00e9ka je z\u00e1rove\u0148 z\u00e1v\u00e4zok na dlh\u00e9 roky, preto myslite aj na situ\u00e1cie, ktor\u00e9 m\u00f4\u017eu v\u00fdrazne zasiahnu\u0165 do v\u00e1\u0161ho rodinn\u00e9ho rozpo\u010dtu. V\u00fdpadok pr\u00edjmu v d\u00f4sledku \u00farazu, v\u00e1\u017enej choroby alebo invalidity m\u00f4\u017ee ohrozi\u0165 va\u0161u schopnos\u0165 spl\u00e1ca\u0165 \u00faver.\u00a0<\/p>\n\n\n\n<p>Ak si uzavriete len poistenie \u00faveru v banke, to chr\u00e1ni najm\u00e4 samotn\u00fa banku. Na rozdiel od neho <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9 poistenie<\/a> v\u00e1m d\u00e1va v\u00e4\u010d\u0161iu flexibilitu v tom, ako poistn\u00e9 plnenie vyu\u017eijete. Pri nav\u00fd\u0161en\u00ed hypot\u00e9ky by ste preto mali primerane upravi\u0165 aj \u017eivotn\u00e9 poistenie.<\/p>\n\n\n\n<p><strong><em>Viac u\u017eito\u010dn\u00fdch r\u00e1d <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\"><strong><em>o poisten\u00ed hypot\u00e9ky n\u00e1jdete aj v tomto \u010dl\u00e1nku<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">S nami zvl\u00e1dnete k\u00fapu aj predaj nehnute\u013enosti bez stresu<\/h2>\n\n\n\n<p>Aby ste cel\u00fd proces k\u00fapy a predaja nehnute\u013enosti zvl\u00e1dli bez zbyto\u010dn\u00e9ho stresu, m\u00f4\u017eete sa obr\u00e1ti\u0165 na na\u0161ich kolegov a sk\u00fasen\u00fdch <a href=\"https:\/\/www.recloud.sk\/kontakt\/\">realitn\u00fdch makl\u00e9rov<\/a> z FinGO reCloud, ktor\u00ed v\u00e1s bezpe\u010dne preved\u00fa ka\u017ed\u00fdm krokom.&nbsp;<\/p>\n\n\n\n<p>V oblasti hypot\u00e9ky, poistenia b\u00fdvania aj \u017eivotn\u00e9ho poistenia s\u00fa v\u00e1m po celom Slovensku k dispoz\u00edcii na\u0161i profesion\u00e1lni <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00ed \u0161pecialisti<\/a> s dlhoro\u010dnou praxou. Ozvite sa n\u00e1m a v\u0161etko spolo\u010dne zvl\u00e1dneme.<\/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>Rast cien nehnute\u013enost\u00ed sa zr\u00fdch\u013euje, zatia\u013e \u010do hypot\u00e9ky zost\u00e1vaj\u00fa relat\u00edvne dostupn\u00e9. Uva\u017eujete nad presunom do v\u00e4\u010d\u0161ieho alebo modernej\u0161ieho b\u00fdvania? K\u00fapa novej nehnute\u013enosti je \u010dasto podmienen\u00e1 predajom tej starej, \u010do m\u00f4\u017ee prin\u00e1\u0161a\u0165 finan\u010dn\u00fd stres a \u010dasov\u00fd tlak. Na\u0161e odborn\u00ed\u010dky R\u00f3berta Meckov\u00e1 a Eva \u0160ablov\u00e1 pripravili tipy, ako to zvl\u00e1dnu\u0165 bez komplik\u00e1ci\u00ed. Ke\u010f\u017ee sa o\u010dak\u00e1va, \u017ee ceny nehnute\u013enost\u00ed bud\u00fa v tomto roku \u010falej r\u00e1s\u0165, pr\u00e1ve teraz m\u00f4\u017ee by\u0165 ide\u00e1lny moment uva\u017eova\u0165 nad k\u00fapou nov\u00e9ho b\u00fdvania.&nbsp; \u201ePre v\u00e4\u010d\u0161inu klientov je k\u00fapa nov\u00e9ho b\u00fdvania priamo naviazan\u00e1 na predaj p\u00f4vodnej nehnute\u013enosti, preto\u017ee nemaj\u00fa k dispoz\u00edcii dostato\u010dn\u00e9 vlastn\u00e9 zdroje. Stret\u00e1vame sa s t\u00fdm ve\u013emi \u010dasto,\u201c hovor\u00ed riadite\u013eka FinGO reCloud R\u00f3berta Meckov\u00e1.&nbsp; Ide\u00e1lny postup m\u00e1 pod\u013ea nej jasn\u00fa logiku. Najsk\u00f4r si preverte finan\u010dn\u00e9 mo\u017enosti a schopnos\u0165 z\u00edska\u0165 \u00faver, aby ste vedeli, s ak\u00fdm rozpo\u010dtom m\u00f4\u017eete re\u00e1lne pracova\u0165. Z\u00e1rove\u0148 je d\u00f4le\u017eit\u00e9 spr\u00e1vne naceni\u0165 va\u0161u nehnute\u013enos\u0165 na predaj, aby bolo jasn\u00e9, ak\u00e9 finan\u010dn\u00e9 zdroje z predaja vst\u00fapia do k\u00fapy.&nbsp; Po\u010fme sa detailnej\u0161ie pozrie\u0165, ako na to\u2026 Najsk\u00f4r rozpo\u010det, a\u017e potom obhliadky V re\u00e1lnych finan\u010dn\u00fdch mo\u017enostiach by ste mali ma\u0165 jasno e\u0161te predt\u00fdm, ne\u017e sa pust\u00edte do obhliadok. Inak riskujete, \u017ee sa nadchnete pre byt \u010di dom, ktor\u00fd si v kone\u010dnom d\u00f4sledku nebudete m\u00f4c\u0165 dovoli\u0165. Alebo naopak, budete robi\u0165 zbyto\u010dn\u00e9 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":10927,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,166],"tags":[36,230],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pred\u00e1vate byt a kupujete nov\u00fd? Ako zos\u00faladi\u0165 hypot\u00e9ku a s\u0165ahovanie<\/title>\n<meta name=\"description\" content=\"Pred\u00e1vate byt a z\u00e1rove\u0148 kupujete nov\u00fa nehnute\u013enos\u0165? 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