{"id":10967,"date":"2026-02-24T13:08:30","date_gmt":"2026-02-24T12:08:30","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10967"},"modified":"2026-02-24T13:08:31","modified_gmt":"2026-02-24T12:08:31","slug":"zrusenie-zivnosti-a-prechod-na-s-r-o-ako-to-ovplyvni-vasu-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/zrusenie-zivnosti-a-prechod-na-s-r-o-ako-to-ovplyvni-vasu-hypoteku\/","title":{"rendered":"Zru\u0161enie \u017eivnosti a prechod na s.r.o.: Ako to ovplyvn\u00ed va\u0161u hypot\u00e9ku?"},"content":{"rendered":"\n<p><strong>Pl\u00e1nujete zru\u0161i\u0165 \u017eivnos\u0165 a prejs\u0165 na s.r.o.? Tento krok v\u00e1m m\u00f4\u017ee prinies\u0165 da\u0148ov\u00e9 \u010di odvodov\u00e9 \u00faspory, no pri \u017eiadosti o hypot\u00e9ku bude znamena\u0165 ne\u010dakan\u00e9 komplik\u00e1cie. Pre\u010do je to tak, \u010do v\u0161etko banky sleduj\u00fa a ako sa aj napriek tomu dosta\u0165 k v\u00fdhodn\u00e9mu \u00faveru? Pripravili sme pre v\u00e1s 10 praktick\u00fdch ot\u00e1zok a odpoved\u00ed.<\/strong><\/p>\n\n\n\n<p>Nov\u00e9 da\u0148ovo-odvodov\u00e9 pravidl\u00e1 zni\u017euj\u00fa atraktivitu \u017eivnost\u00ed a ved\u00fa podnikate\u013eov k prechodu na s.r.o. Ak podnik\u00e1te a v bl\u00edzkej dobe pl\u00e1nujete k\u00fapu b\u00fdvania <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">cez hypot\u00e9ku<\/a>, mali by ste vedie\u0165, \u017ee zmena formy podnikania m\u00f4\u017ee v\u00e1\u0161 z\u00e1mer z\u00e1sadne skomplikova\u0165.&nbsp;<\/p>\n\n\n\n<p>Pre\u010do je to tak?<\/p>\n\n\n\n<ul>\n<li>Banky pri posudzovan\u00ed \u00faveru vych\u00e1dzaj\u00fa z uzavret\u00e9ho \u00fa\u010dtovn\u00e9ho obdobia a sleduj\u00fa kontinuitu podnikania.&nbsp;<\/li>\n\n\n\n<li>Ukon\u010denie \u017eivnosti a pokra\u010dovanie v podnikan\u00ed ako s.r.o. nie je v banke akceptovate\u013en\u00e9.&nbsp;<\/li>\n\n\n\n<li>Vlastn\u00edk s.r.o. a \u017eivnostn\u00edk s\u00fa toti\u017e pre banky dve samostatn\u00e9 entity, ktor\u00e9 nedok\u00e1\u017eu prepoji\u0165, aj ke\u010f ide o t\u00fa ist\u00fa osobu a \u010dinnos\u0165.<\/li>\n<\/ul>\n\n\n\n<p>Tak\u017ee k\u00fdm dnes m\u00f4\u017eete ako dlhoro\u010dn\u00fd \u017eivnostn\u00edk z\u00edska\u0165 hypot\u00e9ku s dobr\u00fdmi podmienkami, po ukon\u010den\u00ed \u017eivnosti a zalo\u017een\u00ed s.r.o. sa na v\u00e1s banka bude pozera\u0165 novou optikou. A hoci sa v\u00e1\u0161mu podnikaniu bude dari\u0165 rovnako a va\u0161e tr\u017eby bud\u00fa stabiln\u00e9, pri dokladovan\u00ed pr\u00edjmu z novej s.r.o. po ukon\u010den\u00ed \u017eivnosti \u00faver dosta\u0165 nemus\u00edte.<\/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<p><strong><em>Viac r\u00e1d o hypot\u00e9ke pre \u017eivnostn\u00edkov s pr\u00edkladmi <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/\"><strong><em>n\u00e1jdete aj v tomto \u010dl\u00e1nku.<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Zmena pr\u00e1vnej formy vylu\u010duje z\u00edskanie hypot\u00e9ky v tom istom roku<\/h2>\n\n\n\n<p>Vo v\u0161eobecnosti plat\u00ed, \u017ee banky preferuj\u00fa podnikate\u013eov s dlh\u0161ou hist\u00f3riou. Tak\u017ee \u010d\u00edm nesk\u00f4r v priebehu roka uskuto\u010dn\u00edte zmenu pr\u00e1vnej formy podnikania, t\u00fdm v\u00e4\u010d\u0161ie je riziko, \u017ee budete musie\u0165 na hypot\u00e9ku \u010daka\u0165 e\u0161te dlh\u0161ie.<\/p>\n\n\n\n<p><strong>PR\u00cdKLAD:<\/strong> Ak ste napr\u00edklad v roku 2025 podnikali ako SZ\u010cO, v marci 2026 \u017eivnos\u0165 zru\u0161\u00edte a zalo\u017e\u00edte si s.r.o., o nov\u00fa hypot\u00e9ku m\u00f4\u017eete re\u00e1lne po\u017eiada\u0165 a\u017e po podan\u00ed da\u0148ov\u00e9ho priznania za s.r.o., teda najsk\u00f4r v roku 2027. Niektor\u00e9 banky navy\u0161e vy\u017eaduj\u00fa minim\u00e1lne jedno, inde dokonca dve ukon\u010den\u00e9 \u00fa\u010dtovn\u00e9 obdobia. V takom pr\u00edpade sa re\u00e1lna \u017eiados\u0165 o \u00faver m\u00f4\u017ee posun\u00fa\u0165 a\u017e do roku 2028.<\/p>\n\n\n\n<p>Preto ak pl\u00e1nujete rie\u0161i\u0165 b\u00fdvanie, odpor\u00fa\u010dam najprv <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">vybavi\u0165 a na\u010derpa\u0165 hypot\u00e9ku<\/a>, a a\u017e potom meni\u0165 formu podnikania. Inak si m\u00f4\u017eete zbyto\u010dne zatvori\u0165 dvere k financovaniu na jeden a\u017e dva roky.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">10 ot\u00e1zok a odpoved\u00ed o hypot\u00e9ke pre podnikate\u013eov<\/h2>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">1. Ako prechod zo \u017eivnosti na s.r.o. ovplyvn\u00ed \u0161ance na hypot\u00e9ku?<\/h3>\n\n\n\n<p>Z\u00e1sadne, preto\u017ee zmena pr\u00e1vnej formy preru\u0161\u00ed kontinuitu podnikania. Banka nebude vedie\u0165 akceptova\u0165 pr\u00edjem ani zo zaniknutej \u017eivnosti, ani z novej s.r.o., ktor\u00e1 e\u0161te nem\u00e1 uzavret\u00e9 \u00fa\u010dtovn\u00e9 obdobie. Tak\u017ee ak by ste ako \u017eivnostn\u00edk hypot\u00e9ku mohli z\u00edska\u0165, po prechode na s.r.o. ju v tom istom roku nedostanete.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">2. Je rozhoduj\u00face, kedy k zmene pr\u00e1vnej formy d\u00f4jde?<\/h3>\n\n\n\n<p>\u00c1no. Banky pri podnikate\u013eoch vy\u017eaduj\u00fa minim\u00e1lne jedno uzavret\u00e9 \u00fa\u010dtovn\u00e9 obdobie. Ak k zmene d\u00f4jde v priebehu roka, o hypot\u00e9ku m\u00f4\u017eete po\u017eiada\u0165 a\u017e po podan\u00ed da\u0148ov\u00e9ho priznania za nov\u00fd subjekt v \u010fal\u0161om roku. Niekde sa vy\u017eaduj\u00fa aj dve ukon\u010den\u00e9 \u00fa\u010dtovn\u00e9 obdobia, vtedy si po\u010dk\u00e1te a\u017e dva roky.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">3. Ako banky posudzuj\u00fa pr\u00edjem majite\u013ea s.r.o. oproti \u017eivnostn\u00edkovi?<\/h3>\n\n\n\n<p>Pri \u017eivnostn\u00edkoch banky naj\u010dastej\u0161ie vych\u00e1dzaj\u00fa z ich tr\u017eieb, z ktor\u00fdch akceptuj\u00fa 10 a\u017e 70 % v z\u00e1vislosti od banky a od predmetu podnikania. Ak posudzuj\u00fa pr\u00edjem zo z\u00e1kladu dane, odpo\u010d\u00edtaj\u00fa da\u0148 a rozpo\u010d\u00edtaj\u00fa zvy\u0161ok na 12 mesiacov. Pri s.r.o. banky hodnotia pr\u00edjem bu\u010f z tr\u017eieb, alebo zo zisku a z\u00e1rove\u0148 zoh\u013ead\u0148uj\u00fa podiel spolo\u010dn\u00edka \u2013 pri men\u0161om podiele akceptuj\u00fa len \u010das\u0165 tr\u017eieb \u010di zisku.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">4. Ak\u00e9 s\u00fa pravidl\u00e1 pri akceptovan\u00ed pr\u00edjmu z s.r.o. a l\u00ed\u0161ia sa medzi jednotliv\u00fdmi bankami?<\/h3>\n\n\n\n<p>Ka\u017ed\u00e1 banka m\u00e1 pri majite\u013eoch s.r.o. vlastn\u00e9 pravidl\u00e1. Niektor\u00e9 pr\u00edjem z obratu s.r.o. neakceptuj\u00fa v\u00f4bec, in\u00e9 podmienky postupne zlep\u0161uj\u00fa. <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">Pr\u00edjem<\/a> m\u00f4\u017eu uzna\u0165 zo zisku, dokonca niektor\u00e9 banky aj v pr\u00edpade, ak nie je vyplaten\u00fd. Naj\u010dastej\u0161ie v\u0161ak vych\u00e1dzaj\u00fa z tr\u017eieb, pri\u010dom percento akceptovania je obvykle vy\u0161\u0161ie pr\u00e1ve pri s.r.o. s ni\u017e\u0161\u00edmi tr\u017ebami.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">5. Sta\u010d\u00ed, ak m\u00e1 s.r.o. hist\u00f3riu len nieko\u013eko mesiacov?<\/h3>\n\n\n\n<p>Nie. Banky v\u00e4\u010d\u0161inou vy\u017eaduj\u00fa, aby s.r.o. mala aspo\u0148 jedno uzavret\u00e9 \u00fa\u010dtovn\u00e9 obdobie. V\u00fdnimo\u010dne posta\u010d\u00ed \u0161es\u0165 mesiacov podnikania z predch\u00e1dzaj\u00faceho roka, no naj\u010dastej\u0161ie je potrebn\u00fd jeden ucelen\u00fd rok a niekedy aj dva roky hist\u00f3rie.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">6. Pom\u00f4\u017ee, ak podnikate\u013e vykon\u00e1va rovnak\u00fa \u010dinnos\u0165 ako predt\u00fdm?<\/h3>\n\n\n\n<p>Nie. Kontinuita podnikania je u\u017eito\u010dn\u00e1, ale banka vy\u017eaduje aj uzavret\u00e9 \u00fa\u010dtovn\u00e9 obdobie, aby mohla pos\u00fadi\u0165 stabilitu pr\u00edjmov. Aj ke\u010f vykon\u00e1vate rovnak\u00fa \u010dinnos\u0165 a m\u00e1te st\u00e1lych klientov, banka nebude akceptova\u0165 v\u00e1\u0161 pr\u00edjem zo s.r.o. bez uzavret\u00e9ho da\u0148ov\u00e9ho priznania.\u00a0<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">7. Z\u00e1le\u017e\u00ed aj na odvetv\u00ed podnikania?<\/h3>\n\n\n\n<p>\u00c1no. Banky vo v\u0161eobecnosti akceptuj\u00fa pr\u00edjmy z podnikania zo \u0161tandardn\u00fdch odvetv\u00ed ekonomiky. Av\u0161ak preferuj\u00fa stabilnej\u0161ie a hodnotnej\u0161ie odvetvia ako IT, zdravotn\u00edctvo alebo profesie ako s\u00fa not\u00e1ri, advok\u00e1ti \u010di architekti, ktor\u00fdm \u010dasto dok\u00e1\u017eu uzna\u0165 vy\u0161\u0161ie percento z tr\u017eieb ako v in\u00fdch odvetviach. Menej atrakt\u00edvne s\u00fa rizikovej\u0161ie odvetvia ako gastron\u00f3mia, stavebn\u00edctvo alebo umeleck\u00e9 \u010dinnosti s nepravideln\u00fdmi pr\u00edjmami. Segmenty podnikania ako kas\u00edna, erotick\u00fd priemysel \u010di kryptomeny banky obvykle neakceptuj\u00fa v\u00f4bec.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">8. \u010co by mal podnikate\u013e urobi\u0165 pred zru\u0161en\u00edm \u017eivnosti?<\/h3>\n\n\n\n<p>Pred zmenou pr\u00e1vnej formy by mal zv\u00e1\u017ei\u0165 konzult\u00e1ciu s odborn\u00edkom, ktor\u00fd mu vysvetl\u00ed dopady tejto zmeny na mo\u017enos\u0165 z\u00edskania hypot\u00e9ky. Spr\u00e1vne na\u010dasovanie m\u00f4\u017ee ovplyvni\u0165, \u010di budete schopn\u00fd z\u00edska\u0165 hypot\u00e9ku v po\u017eadovanom term\u00edne alebo budete musie\u0165 \u010daka\u0165 na uzavretie \u00fa\u010dtovn\u00e9ho obdobia.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">9. Ak\u00e9 chyby naj\u010dastej\u0161ie robia podnikatelia pri \u017eiadosti o hypot\u00e9ku?<\/h3>\n\n\n\n<p>Nielen podnikatelia, ale aj klienti s pr\u00edjmami zo zamestnania, \u010dasto podce\u0148uj\u00fa pr\u00edpravn\u00fa f\u00e1zu pri vybavovan\u00ed hypot\u00e9ky. Porovnanie a v\u00fdber spr\u00e1vnej banky je k\u013e\u00fa\u010dov\u00fd, preto\u017ee nie v\u0161etky banky akceptuj\u00fa pr\u00edjmy v rovnakej v\u00fd\u0161ke. Nespr\u00e1vny v\u00fdber banky m\u00f4\u017ee vies\u0165 k ni\u017e\u0161iemu \u00faverov\u00e9mu limitu, \u010do m\u00f4\u017ee ma\u0165 vplyv na \u010fal\u0161ie kroky pri vybavovan\u00ed \u00faveru. Preto je d\u00f4le\u017eit\u00e9 <a href=\"https:\/\/www.fingo.sk\/kontakty\">poradi\u0165 sa s odborn\u00edkom.<\/a><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">10. Pre\u010do sa oplat\u00ed rie\u0161i\u0165 hypot\u00e9ku cez finan\u010dn\u00e9ho makl\u00e9ra?<\/h3>\n\n\n\n<p>Sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m pom\u00f4\u017ee zmapova\u0165 mo\u017enosti a z\u00edska\u0165 najlep\u0161ie podmienky. Dok\u00e1\u017ee spr\u00e1vne vybra\u0165 banku a pripravi\u0165 v\u0161etky potrebn\u00e9 doklady tak, aby sa predi\u0161lo probl\u00e9mom pri schva\u013eovan\u00ed hypot\u00e9ky. To v\u00e1m umo\u017en\u00ed vyhn\u00fa\u0165 sa nepr\u00edjemn\u00fdm prekvapeniam a z\u00edska\u0165 \u00faver na b\u00fdvanie s najlep\u0161\u00edmi mo\u017en\u00fdmi podmienkami a v optim\u00e1lnom \u010dase.<\/p>\n\n\n\n<p><strong><em>Ak pred\u00e1vate svoj byt a kupujete nov\u00fa nehnute\u013enos\u0165, porad\u00edme v\u00e1m,<\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/predavate-byt-a-kupujete-novu-nehnutelnost-ako-zosuladit-terminy-hypoteku-a-stahovanie\/\"><strong><em> ako zos\u00faladi\u0165 term\u00edny, hypot\u00e9ku aj s\u0165ahovanie.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Detailnej\u0161\u00ed poh\u013ead na to, ako banky posudzuj\u00fa pr\u00edjem<\/h2>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">\u017dIVNOSTN\u00cdK (SZ\u010cO)<\/h3>\n\n\n\n<p>Banky posudzuj\u00fa pr\u00edjem dvomi sp\u00f4sobmi:<\/p>\n\n\n\n<p><strong>1. Zo z\u00e1kladu dane<\/strong><br>(z\u00e1klad dane \u2013 zaplaten\u00e1 da\u0148) \/ 12 = \u010dist\u00fd mesa\u010dn\u00fd pr\u00edjem<\/p>\n\n\n\n<p><strong>2. Z obratu (tr\u017eieb) \u2013 \u010dastej\u0161\u00ed sp\u00f4sob<\/strong><br>Banka akceptuje len ur\u010dit\u00e9 percento z ro\u010dn\u00fdch tr\u017eieb, spravidla od 10 % do 70 %, v z\u00e1vislosti od banky a predmetu podnikania.<\/p>\n\n\n\n<p><strong>PR\u00cdKLAD:<\/strong> \u017divnostn\u00edk s ro\u010dn\u00fdmi tr\u017ebami 36 000 \u20ac (sektor slu\u017eieb):<\/p>\n\n\n\n<ul>\n<li>Banka A: 30 % z obratu \u2192 uzn\u00e1 pr\u00edjem 900 \u20ac mesa\u010dne<\/li>\n\n\n\n<li>Banka B: 55 % z obratu \u2192 uzn\u00e1 pr\u00edjem 1 650 \u20ac mesa\u010dne<\/li>\n<\/ul>\n\n\n\n<p>Pri vy\u0161\u0161\u00edch tr\u017eb\u00e1ch (napr\u00edklad 85 000 \u20ac ro\u010dne) m\u00f4\u017ee niektor\u00e1 banka akceptova\u0165 40 % obratu (2 833 \u20ac mesa\u010dne), in\u00e1 len 12 % (850 \u20ac mesa\u010dne).&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">MAJITE\u013d S.R.O.&nbsp;<\/h3>\n\n\n\n<p>Pri s.r.o. m\u00f4\u017eu banky vych\u00e1dza\u0165:<\/p>\n\n\n\n<ul>\n<li>zo zisku &#8211; niekde len z vyplaten\u00e9ho, inde aj z nevyplaten\u00e9ho zisku po zdanen\u00ed<\/li>\n\n\n\n<li>z obratu spolo\u010dnosti &#8211; ka\u017ed\u00e1 banka akceptuje in\u00e9 percento<\/li>\n\n\n\n<li>zoh\u013ead\u0148uje sa aj vlastn\u00edcky podiel spolo\u010dn\u00edka<\/li>\n<\/ul>\n\n\n\n<p>Aj tu plat\u00ed, \u017ee ka\u017ed\u00e1 banka m\u00e1 vlastn\u00e9 metodick\u00e9 pravidl\u00e1. Niektor\u00e9 banky pr\u00edjem z obratu s.r.o. neakceptuj\u00fa v\u00f4bec, in\u00e9 postupne podmienky zlep\u0161uj\u00fa.<\/p>\n\n\n\n<p><\/p>\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\">Porovn\u00e1me a vybav\u00edme v\u00e1m t\u00fa najlep\u0161iu hypot\u00e9ku<\/h2>\n\n\n\n<p>\u010ci u\u017e rie\u0161ite hypot\u00e9ku ako \u017eivnostn\u00edk, majite\u013e s.r.o. alebo ako zamestnanec, na\u0161i profesion\u00e1lni <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9ri z FinGO.sk<\/a> v\u00e1m pom\u00f4\u017eu zorientova\u0165 sa v ponuke b\u00e1nk a vybra\u0165 to najlep\u0161ie rie\u0161enie, \u0161it\u00e9 na mieru. Porovnaj\u00fa v\u00e1m aktu\u00e1lne mo\u017enosti na trhu a preved\u00fa v\u00e1s cel\u00fdm procesom od prv\u00e9ho prepo\u010dtu a\u017e po podpis \u00faverovej zmluvy.&nbsp;<\/p>\n\n\n\n<p>Nev\u00e1hajte sa na n\u00e1s kedyko\u013evek obr\u00e1ti\u0165. Sme tu, aby sme v\u00e1m pomohli urobi\u0165 spr\u00e1vne finan\u010dn\u00e9 rozhodnutie.<\/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 zru\u0161i\u0165 \u017eivnos\u0165 a prejs\u0165 na s.r.o.? Tento krok v\u00e1m m\u00f4\u017ee prinies\u0165 da\u0148ov\u00e9 \u010di odvodov\u00e9 \u00faspory, no pri \u017eiadosti o hypot\u00e9ku bude znamena\u0165 ne\u010dakan\u00e9 komplik\u00e1cie. Pre\u010do je to tak, \u010do v\u0161etko banky sleduj\u00fa a ako sa aj napriek tomu dosta\u0165 k v\u00fdhodn\u00e9mu \u00faveru? Pripravili sme pre v\u00e1s 10 praktick\u00fdch ot\u00e1zok a odpoved\u00ed. Nov\u00e9 da\u0148ovo-odvodov\u00e9 pravidl\u00e1 zni\u017euj\u00fa atraktivitu \u017eivnost\u00ed a ved\u00fa podnikate\u013eov k prechodu na s.r.o. Ak podnik\u00e1te a v bl\u00edzkej dobe pl\u00e1nujete k\u00fapu b\u00fdvania cez hypot\u00e9ku, mali by ste vedie\u0165, \u017ee zmena formy podnikania m\u00f4\u017ee v\u00e1\u0161 z\u00e1mer z\u00e1sadne skomplikova\u0165.&nbsp; Pre\u010do je to tak? Tak\u017ee k\u00fdm dnes m\u00f4\u017eete ako dlhoro\u010dn\u00fd \u017eivnostn\u00edk z\u00edska\u0165 hypot\u00e9ku s dobr\u00fdmi podmienkami, po ukon\u010den\u00ed \u017eivnosti a zalo\u017een\u00ed s.r.o. sa na v\u00e1s banka bude pozera\u0165 novou optikou. A hoci sa v\u00e1\u0161mu podnikaniu bude dari\u0165 rovnako a va\u0161e tr\u017eby bud\u00fa stabiln\u00e9, pri dokladovan\u00ed pr\u00edjmu z novej s.r.o. po ukon\u010den\u00ed \u017eivnosti \u00faver dosta\u0165 nemus\u00edte. Viac r\u00e1d o hypot\u00e9ke pre \u017eivnostn\u00edkov s pr\u00edkladmi n\u00e1jdete aj v tomto \u010dl\u00e1nku. Zmena pr\u00e1vnej formy vylu\u010duje z\u00edskanie hypot\u00e9ky v tom istom roku Vo v\u0161eobecnosti plat\u00ed, \u017ee banky preferuj\u00fa podnikate\u013eov s dlh\u0161ou hist\u00f3riou. Tak\u017ee \u010d\u00edm nesk\u00f4r v priebehu roka uskuto\u010dn\u00edte zmenu pr\u00e1vnej formy podnikania, t\u00fdm v\u00e4\u010d\u0161ie je riziko, \u017ee budete musie\u0165 na hypot\u00e9ku \u010daka\u0165 e\u0161te dlh\u0161ie. [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":10972,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,305],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako ovplyvn\u00ed prechod zo \u017eivnosti na s.r.o. va\u0161u hypot\u00e9ku - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zmena zo \u017eivnosti na s.r.o. m\u00f4\u017ee oddiali\u0165 hypot\u00e9ku aj o dva roky. 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