{"id":11164,"date":"2026-05-08T11:17:29","date_gmt":"2026-05-08T09:17:29","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11164"},"modified":"2026-05-08T11:17:31","modified_gmt":"2026-05-08T09:17:31","slug":"co-vybavit-pred-stavbou-domu-dokumenty-povolenia-a-hypoteka","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/co-vybavit-pred-stavbou-domu-dokumenty-povolenia-a-hypoteka\/","title":{"rendered":"\u010co vybavi\u0165 pred stavbou domu: dokumenty, povolenia a hypot\u00e9ka"},"content":{"rendered":"\n<p><strong>Stavba domu sa neza\u010d\u00edna kopan\u00edm z\u00e1kladov. E\u0161te predt\u00fdm v\u00e1s \u010dak\u00e1 v\u00fdber pozemku, projektov\u00e1 dokument\u00e1cia, vyjadrenia spr\u00e1vcov siet\u00ed, konanie o stavebnom z\u00e1mere a v neposlednom rade pr\u00edprava financovania. Pozrite si, \u010do v\u0161etko budete potrebova\u0165 pred za\u010dat\u00edm stavby domu a kedy je ide\u00e1lny \u010das rie\u0161i\u0165 hypot\u00e9ku.\u00a0<\/strong><\/p>\n\n\n\n<h2>\u010co budete musie\u0165 vybavi\u0165, k\u00fdm sa pust\u00edte do stavby domu?<\/h2>\n\n\n\n<p>Sk\u00f4r ne\u017e sa pust\u00edte do samotnej v\u00fdstavby, \u010dak\u00e1 v\u00e1s viacero administrat\u00edvnych a technick\u00fdch krokov. Pripravili sme pre v\u00e1s preh\u013ead najd\u00f4le\u017eitej\u0161\u00edch procesov, dokumentov a povolen\u00ed, ktor\u00e9 je potrebn\u00e9 vybavi\u0165.&nbsp;<\/p>\n\n\n\n<p><strong>\u00dazemnopl\u00e1novacia inform\u00e1cia (obecn\u00fd \u00farad)<\/strong><\/p>\n\n\n\n<ul>\n<li>dokument potvrdzuje, \u017ee je pozemok ur\u010den\u00fd na v\u00fdstavbu rodinn\u00e9ho domu<\/li>\n\n\n\n<li>ur\u010duje, ak\u00e1 je maxim\u00e1lna zastavanos\u0165 (ko\u013eko % plochy pozemku)&nbsp;<\/li>\n\n\n\n<li>stanovuje aj predp\u00edsan\u00fd vzh\u013ead (napr. \u0161ikm\u00e1 strecha, po\u010det podla\u017e\u00ed a pod.)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Projektov\u00e1 dokument\u00e1cia (autorizovan\u00fd projektant)<\/strong><\/p>\n\n\n\n<p>Technick\u00fd n\u00e1vod na stavbu domu, ktor\u00fd obsahuje:&nbsp;<\/p>\n\n\n\n<ul>\n<li>sprievodn\u00fa spr\u00e1vu (info o stavbe, stavite\u013eovi&#8230;)<\/li>\n\n\n\n<li>s\u00fahrnn\u00fa technick\u00fa spr\u00e1vu (technick\u00e9 rie\u0161enie, napojenie na siete, protipo\u017eiarnu ochranu a energetick\u00fa hospod\u00e1rnos\u0165 (novostavby = A0))<\/li>\n\n\n\n<li>situ\u00e1ciu stavby (n\u00e1kres domu na pozemku s odstupmi od susedn\u00fdch parciel)<\/li>\n\n\n\n<li>architektonicko-stavebn\u00e9 rie\u0161enie (p\u00f4dorysy podla\u017e\u00ed, rezy domom a poh\u013eady)<\/li>\n\n\n\n<li>statiku (technick\u00e9 v\u00fdpo\u010dty z\u00e1kladov, hr\u00fabky prie\u010dok, stropov, pohyb kon\u0161trukci\u00ed&#8230;)<\/li>\n\n\n\n<li>technick\u00e9 \u010dasti s\u00favisiace s po\u017eiarnou ochranou a rozvodmi energi\u00ed a siet\u00ed&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>In\u017einiering<\/strong><\/p>\n\n\n\n<ul>\n<li>vyjadrenia spr\u00e1vcov siet\u00ed k pr\u00edpojk\u00e1m (elektr\u00e1rne, vod\u00e1rne, plyn\u00e1rne, telekomunik\u00e1cie)<\/li>\n\n\n\n<li>stanovisko okresn\u00e9ho \u00faradu k ochrane p\u00f4dy, \u017eivotn\u00e9mu prostrediu a doprave&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Konanie o stavebnom z\u00e1mere (stavebn\u00fd \u00farad)\u00a0<\/strong><\/p>\n\n\n\n<ul>\n<li>1. krok, rozhodnutie o stavebnom z\u00e1mere \u2013 v\u00fdsledok konania&nbsp;<\/li>\n\n\n\n<li>2. krok, overenie projektu stavby \u2013 na z\u00e1klade predlo\u017een\u00e9ho projektu realiz\u00e1cie stavby&nbsp;<\/li>\n\n\n\n<li>kontroluje sa s\u00falad medzi oboma dokumentmi, a\u017e po overen\u00ed m\u00f4\u017eete za\u010da\u0165 stava\u0165&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Ozn\u00e1menie o za\u010dat\u00ed stavby (stavebn\u00edk)<\/strong><\/p>\n\n\n\n<ul>\n<li>ohl\u00e1senie \u00faradu a z\u00e1pis do stavebn\u00e9ho denn\u00edka&nbsp;<\/li>\n\n\n\n<li>treba ma\u0165 vybrat\u00e9ho stavite\u013ea:&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>zhotovite\u013e (stavebn\u00e1 firma) alebo&nbsp;<\/li>\n\n\n\n<li>stavebn\u00fd dozor (svojpomocn\u00e1 stavba)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Kedy rie\u0161i\u0165 hypot\u00e9ku (finan\u010dn\u00fd sprostredkovate\u013e)<\/strong><\/p>\n\n\n\n<ul>\n<li>ide\u00e1lne v \u0161t\u00e1diu, kedy je mo\u017en\u00e9 stavbu zap\u00edsa\u0165 do katastra ako rozostavan\u00fa<\/li>\n\n\n\n<li>v tomto stave banka vie pos\u00fadi\u0165 aktu\u00e1lnu hodnotu a vypo\u010d\u00edta\u0165 bud\u00facu hodnotu stavby<\/li>\n\n\n\n<li>s\u00fa\u010dasne so z\u00e1lo\u017en\u00fdmi zmluvami povol\u00ed z\u00e1pis rozostavanej stavby do katastra&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj aj blog o tom, <a href=\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lepsi-urok-na-hypoteke-a-usetrit\/\">ako z\u00edska\u0165 v\u00fdhodnej\u0161\u00ed \u00farok na hypot\u00e9ke<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2>Ako financova\u0165 stavbu domu<\/h2>\n\n\n\n<p>V\u00fdstavba rodinn\u00e9ho domu sa d\u00e1 financova\u0165 viacer\u00fdmi sp\u00f4sobmi a v\u00fdber z\u00e1vis\u00ed od toho, v akej f\u00e1ze sa projekt nach\u00e1dza. Najr\u00fdchlej\u0161ou mo\u017enos\u0165ou je, ak v prospech \u00faveru <strong>zalo\u017e\u00edte in\u00fa nehnute\u013enos\u0165, <\/strong>napr\u00edklad rodi\u010dovsk\u00fa. Pri tomto postupe z\u00edskate financie r\u00fdchlej\u0161ie.<\/p>\n\n\n\n<ul>\n<li>Ak m\u00e1te mo\u017enos\u0165 zalo\u017ei\u0165 in\u00fa nehnute\u013enos\u0165, m\u00f4\u017eete z\u00edska\u0165 <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/stavba-domu\">hypot\u00e9ku na v\u00fdstavbu<\/a> jednorazovo.&nbsp;<\/li>\n\n\n\n<li>Banka v\u00e1m zvy\u010dajne poskytne pribli\u017ene 80 % hodnoty zalo\u017eenej nehnute\u013enosti.<\/li>\n\n\n\n<li>V\u00fdhodou je, \u017ee presne viete, ak\u00fd objem financi\u00ed m\u00e1te k dispoz\u00edcii.&nbsp;<\/li>\n\n\n\n<li>Po dokon\u010den\u00ed stavby m\u00f4\u017eete p\u00f4vodn\u00fa nehnute\u013enos\u0165 z \u00faveru uvo\u013eni\u0165 a nahradi\u0165 ju u\u017e va\u0161\u00edm postaven\u00fdm domom.\n<ul><\/ul>\n<\/li>\n<\/ul>\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\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" class=\"wp-image-6819\"\/><\/a><\/figure>\n\n\n\n<h2>Postupn\u00e9 \u010derpanie pod\u013ea priebehu stavby<\/h2>\n\n\n\n<p>Druhou mo\u017enos\u0165ou financovania je <strong>zalo\u017eenie pozemku a rozostavanej stavby, <\/strong>kedy banka uvo\u013e\u0148uje peniaze postupne, v z\u00e1vislosti od priebehu v\u00fdstavby. Ako to funguje? Pri rozostavanej stavbe banka stanov\u00ed maxim\u00e1lny \u00faverov\u00fd r\u00e1mec na z\u00e1klade bud\u00facej hodnoty nehnute\u013enosti. Peniaze n\u00e1sledne uvo\u013e\u0148uje postupne <strong>v tzv. tran\u017eiach<\/strong> pod\u013ea toho, ako va\u0161a stavba napreduje. V praxi sa tento model financovania be\u017ene vyu\u017e\u00edva, ak u\u017e klient za\u010dal stava\u0165.&nbsp;<\/p>\n\n\n\n<p>Naopak, <strong>pokia\u013e e\u0161te neza\u010dnete stava\u0165,<\/strong> teda chcete financova\u0165 v\u00fdstavbu od po\u010diatku, va\u0161e mo\u017enosti v bank\u00e1ch bud\u00fa zna\u010dne obmedzen\u00e9. Len vybran\u00e9 banky toti\u017e dok\u00e1\u017eu financova\u0165 jedn\u00fdm \u00faverom v\u00fdstavbu na bud\u00facu hodnotu nehnute\u013enosti u\u017e od pozemku. Vo v\u00e4\u010d\u0161ine b\u00e1nk to mus\u00edte rie\u0161i\u0165 dvoma \u00favermi. Prv\u00fa hypot\u00e9ku v\u00e1m banka financuje len do ur\u010dit\u00e9ho percenta z hodnoty pozemku a a\u017e ke\u010f m\u00e1te rozostavan\u00fa nehnute\u013enos\u0165<strong> zap\u00edsan\u00fa na liste vlastn\u00edctva<\/strong>, m\u00f4\u017eete \u017eiada\u0165 druh\u00fd \u00faver na jej bud\u00facu hodnotu.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong><em>Kupujete rodinn\u00fd dom? Pre\u010d\u00edtajte si <a href=\"https:\/\/www.fingo.sk\/blog\/kupa-rodinneho-domu-na-co-si-dat-pozor-comu-sa-vyhnut-a-ako-vybavit-hypoteku\/\">blog o tom, na \u010do si da\u0165 pozor a \u010domu sa vyhn\u00fa\u0165<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2>Kedy je ide\u00e1lny \u010das rie\u0161i\u0165 hypot\u00e9ku?<\/h2>\n\n\n\n<p>Pri postupnom \u010derpan\u00ed \u00faveru je ide\u00e1lne <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">rie\u0161i\u0165 hypot\u00e9ku<\/a> v \u0161t\u00e1diu, kedy stavbu m\u00f4\u017eete zap\u00edsa\u0165 do katastra nehnute\u013enost\u00ed ako rozostavan\u00fa. <strong>K \u017eiadosti <\/strong>o hypot\u00e9ku dolo\u017e\u00edte:&nbsp;<\/p>\n\n\n\n<ul>\n<li>pr\u00e1voplatn\u00e9 stavebn\u00e9 povolenie, resp. po novom rozhodnutie o stavebnom z\u00e1mere<\/li>\n\n\n\n<li>projekt&nbsp;<\/li>\n\n\n\n<li>rozpo\u010det stavby<\/li>\n\n\n\n<li>znaleck\u00fd posudok na rozostavan\u00fa stavbu spolu s geometrick\u00fdm pl\u00e1nom so zameran\u00edm stavby<\/li>\n<\/ul>\n\n\n\n<p>Banka tak dok\u00e1\u017ee vyhodnoti\u0165 nielen aktu\u00e1lnu hodnotu nehnute\u013enosti, ale aj jej hodnotu po dokon\u010den\u00ed. S\u00fa\u010dasne so z\u00e1lo\u017en\u00fdmi zmluvami sa zvy\u010dajne rie\u0161i aj z\u00e1pis rozostavanej stavby do katastra.<\/p>\n\n\n\n<h2>Nezabudnite aj na potrebn\u00e9 vlastn\u00e9 zdroje<\/h2>\n\n\n\n<p>Nezabudnite, \u017ee na financovanie stavby domu by ste mali ma\u0165 aj dostato\u010dn\u00fd objem <strong>vlastn\u00fdch zdrojov<\/strong>. Obzvl\u00e1\u0161\u0165 pri v\u00fdstavbe \u010dastokr\u00e1t vznikaj\u00fa dodato\u010dn\u00e9 n\u00e1klady, ktor\u00e9 cel\u00fd investi\u010dn\u00fd z\u00e1mer nepl\u00e1novane nav\u00fd\u0161ia. Preto je ide\u00e1lne, ak si po\u017eiadate o <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/stavba-domu\">maxim\u00e1lnu mo\u017en\u00fa hypot\u00e9ku<\/a>.<\/p>\n\n\n\n<p>Z\u00edskate tak istotu, \u017ee v pr\u00edpade nav\u00fd\u0161enia rozpo\u010dtu budete ma\u0165 dostatok prostriedkov na dokon\u010denie v\u00fdstavby. Naopak, ak by ste napokon nepotrebovali cel\u00fd objem \u00faveru, nemus\u00edte ho do\u010derpa\u0165 v plnej v\u00fd\u0161ke.<\/p>\n\n\n\n<h2>D\u00f4le\u017eit\u00e9 je porovnanie pon\u00fak<\/h2>\n\n\n\n<p>Hypot\u00e9ka na v\u00fdstavbu je v porovnan\u00ed s hypot\u00e9kou na k\u00fapu nehnute\u013enosti v mnoh\u00fdch oh\u013eadoch <strong>podstatne komplikovanej\u0161ia<\/strong> a aj \u010dasovo n\u00e1ro\u010dnej\u0161ia. Navy\u0161e, podmienky sa medzi bankami v\u00fdrazne l\u00ed\u0161ia, a to najm\u00e4 v schva\u013eovan\u00ed \u00faveru, v sp\u00f4sobe \u010derpania pe\u0148az\u00ed aj v po\u017eiadavk\u00e1ch na vlastn\u00e9 zdroje.&nbsp;<\/p>\n\n\n\n<p>Takisto sa treba informova\u0165 o dokladovan\u00ed v\u00fdstavby. Niektor\u00e9 banky maj\u00fa jednoduch\u00fd a flexibiln\u00fd pr\u00edstup, inde sa s financovan\u00edm v\u00fdstavby potr\u00e1pite viac. Ke\u010f\u017ee ka\u017ed\u00fd projekt v\u00fdstavby rodinn\u00e9ho domu je individu\u00e1lny, odpor\u00fa\u010dame <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/stavba-domu\">porovna\u0165 si ponuky<\/a> viacer\u00fdch b\u00e1nk.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ide\u00e1lne s pomocou finan\u010dn\u00e9ho sprostredkovate\u013ea FinGO.sk. Vieme v\u00e1m nastavi\u0165 financovanie tak, aby zodpovedalo va\u0161im mo\u017enostiam a potreb\u00e1m.<\/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>10 r\u00e1d o hypot\u00e9ke na stavbu domu<\/h2>\n\n\n\n<p>Po\u010fme si e\u0161te raz zhrn\u00fa\u0165 v\u0161etko podstatn\u00e9, \u010do by ste mali vedie\u0165 o hypot\u00e9ke na v\u00fdstavbu.&nbsp;<\/p>\n\n\n\n<p><strong>1.<\/strong> <strong>Je nieko\u013eko variantov, <\/strong>ako m\u00f4\u017eete financova\u0165 stavbu domu. Postup a potrebn\u00e9 dokumenty k \u017eiadosti o \u00faver sa l\u00ed\u0161ia aj v z\u00e1vislosti od toho, \u010di m\u00e1te len hol\u00fd pozemok, na ktorom ste e\u0161te neza\u010dali stava\u0165 alebo u\u017e m\u00e1te rozostavan\u00fd dom a potrebujete peniaze na jeho dokon\u010denie.&nbsp;<\/p>\n\n\n\n<p><strong>2. Ak v\u00fdstavba e\u0161te neprebieha,<\/strong> banky v\u00e4\u010d\u0161inou rozdelia va\u0161u hypot\u00e9ku na dve \u010dasti. Najsk\u00f4r zalo\u017e\u00edte pozemok a v z\u00e1vislosti od banky dostanete \u00faver vo v\u00fd\u0161ke od 50 do 100 % z jeho hodnoty. Z t\u00fdchto financi\u00ed postav\u00edte z\u00e1kladov\u00fa dosku, obvodov\u00e9 m\u00fary a prie\u010dky tak, aby geodet dok\u00e1zal zamera\u0165 rozostavan\u00fa stavbu, ktor\u00fa d\u00e1te zap\u00edsa\u0165 na kataster. V tomto \u0161t\u00e1diu u\u017e banky vedia poskytn\u00fa\u0165 \u00faver na bud\u00facu hodnotu.&nbsp;<\/p>\n\n\n\n<p><strong>3. Ak u\u017e na vlastnom pozemku staviate<\/strong> a ste aspo\u0148 v \u0161t\u00e1diu, \u017ee na stavbe je vidite\u013en\u00e9 stavebno-technick\u00e9 a funk\u010dn\u00e9 usporiadanie prv\u00e9ho nadzemn\u00e9ho podla\u017eia, m\u00f4\u017eete rovno \u017eiada\u0165 o \u00faver na bud\u00facu hodnotu nehnute\u013enosti. Peniaze budete \u010derpa\u0165 postupne v tzv. tran\u017eiach pod\u013ea toho, ako zhodnocujete stavbu.&nbsp;<\/p>\n\n\n\n<p><strong>4.<\/strong> Ak by ste sa chceli k peniazom dosta\u0165 r\u00fdchlej\u0161ie, m\u00f4\u017eete za \u00faver<strong> ru\u010di\u0165 inou nehnute\u013enos\u0165ou,<\/strong> napr\u00edklad rodi\u010dovskou, a po postaven\u00ed v\u00e1\u0161ho domu tieto nehnute\u013enosti ako \u0165archy zamen\u00edte. Toto rie\u0161enie je r\u00fdchlej\u0161ie a menej komplikovan\u00e9. V\u00fdhodou je, \u017ee v\u00e1m banka vyplat\u00ed peniaze hne\u010f a jednorazovo.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>5.<\/strong> Ak budete na hypot\u00e9ke <strong>ru\u010di\u0165 domom, ktor\u00fd pl\u00e1nujete postavi\u0165,<\/strong> peniaze nebudete \u010derpa\u0165 jednorazovo, ale postupne v tzv. tran\u017eiach. \u010cerpanie \u00faveru preto trv\u00e1 dlh\u0161ie, m\u00f4\u017ee to by\u0165 aj 18 \u010di 24 mesiacov v z\u00e1vislosti od toho, ko\u013eko m\u00e1te vlastn\u00fdch finan\u010dn\u00fdch zdrojov, ako r\u00fdchlo bude postupova\u0165 v\u00fdstavba a v ktorom \u0161t\u00e1diu rozostavanosti domu za\u010dnete vybavova\u0165 hypot\u00e9ku.&nbsp;<\/p>\n\n\n\n<p><strong>6. <\/strong>Tak ako pri ka\u017edej hypot\u00e9ke, aj pri \u00favere na stavbu domu plat\u00ed, \u017ee na financovan\u00ed b\u00fdvania by ste sa mali aspo\u0148 \u010diasto\u010dne podie\u013ea\u0165 vlastn\u00fdmi \u00fasporami. Banka v\u00e1m poskytne<strong> maxim\u00e1lne 80 % z bud\u00facej hodnoty<\/strong> nehnute\u013enosti (resp. z hodnoty inej nehnute\u013enosti, ktor\u00fa zalo\u017e\u00edte).&nbsp;<\/p>\n\n\n\n<p><strong>7. <\/strong>Z\u00e1rove\u0148 myslite na to, \u017ee p\u00f4vodn\u00fd rozpo\u010det sa nie v\u017edy podar\u00ed dodr\u017ea\u0165, obzvl\u00e1\u0161\u0165 pri tak\u00fdch n\u00e1ro\u010dn\u00fdch finan\u010dn\u00fdch projektoch, ako je v\u00fdstavba rodinn\u00e9ho domu. Preto sa p\u00fa\u0161\u0165ajte do stavby len v pr\u00edpade, \u017ee m\u00e1te aj <strong>dostatok vlastn\u00fdch finan\u010dn\u00fdch zdrojov.<\/strong><\/p>\n\n\n\n<p><strong>8. <\/strong>V pr\u00edpade potreby m\u00f4\u017eete v banke <strong>\u017eiada\u0165 aj o vy\u0161\u0161\u00ed \u00faver,<\/strong> ako je predpokladan\u00e1 bud\u00faca hodnota stavby, a to doplnkov\u00fdm ru\u010den\u00edm \u010fal\u0161ou alebo inou hodnotnej\u0161ou nehnute\u013enos\u0165ou.&nbsp;<\/p>\n\n\n\n<p><strong>9.<\/strong> Financovanie stavby domu je \u010dasovo n\u00e1ro\u010dnej\u0161ie a komplikovanej\u0161ie ako k\u00fapa hotov\u00e9ho domu \u010di bytu. Vo v\u0161etk\u00fdch spomenut\u00fdch situ\u00e1ci\u00e1ch odpor\u00fa\u010dam najsk\u00f4r sa obr\u00e1ti\u0165 na <strong>sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/strong> Porad\u00ed v\u00e1m, ako postupova\u0165, priprav\u00ed komplexn\u00e9 porovnanie hypot\u00e9k a upozorn\u00ed aj na pr\u00edpadn\u00e9 h\u00e1\u010diky, ktor\u00e9 by mohli poskytnutie v\u00e1\u0161ho \u00faveru skomplikova\u0165 alebo ho zbyto\u010dne predra\u017ei\u0165.&nbsp;<\/p>\n\n\n\n<p><strong>10. Medzi bankami s\u00fa rozdiely <\/strong>v sp\u00f4sobe schva\u013eovania hypot\u00e9ky, ale aj v tom, ak\u00fa sumu pe\u0148az\u00ed v\u00e1m vedia vyplati\u0165 pri prvom \u010derpan\u00ed aj pri \u010fal\u0161\u00edch \u010derpaniach. Takisto sa treba informova\u0165 o dokladovan\u00ed v\u00fdstavby. Niektor\u00e9 banky maj\u00fa jednoduch\u00fd a flexibiln\u00fd pr\u00edstup, inde sa s financovan\u00edm v\u00fdstavby potr\u00e1pite viac.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>So sk\u00fasen\u00fdmi <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9rmi z <\/a><a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a> u\u0161etr\u00edte ve\u013ea \u010dasu aj stresov a zv\u00fd\u0161ite va\u0161u \u0161ancu na hypot\u00e9ku pod\u013ea va\u0161ich predst\u00e1v.<\/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>Stavba domu sa neza\u010d\u00edna kopan\u00edm z\u00e1kladov. E\u0161te predt\u00fdm v\u00e1s \u010dak\u00e1 v\u00fdber pozemku, projektov\u00e1 dokument\u00e1cia, vyjadrenia spr\u00e1vcov siet\u00ed, konanie o stavebnom z\u00e1mere a v neposlednom rade pr\u00edprava financovania. Pozrite si, \u010do v\u0161etko budete potrebova\u0165 pred za\u010dat\u00edm stavby domu a kedy je ide\u00e1lny \u010das rie\u0161i\u0165 hypot\u00e9ku.\u00a0 \u010co budete musie\u0165 vybavi\u0165, k\u00fdm sa pust\u00edte do stavby domu? Sk\u00f4r ne\u017e sa pust\u00edte do samotnej v\u00fdstavby, \u010dak\u00e1 v\u00e1s viacero administrat\u00edvnych a technick\u00fdch krokov. Pripravili sme pre v\u00e1s preh\u013ead najd\u00f4le\u017eitej\u0161\u00edch procesov, dokumentov a povolen\u00ed, ktor\u00e9 je potrebn\u00e9 vybavi\u0165.&nbsp; \u00dazemnopl\u00e1novacia inform\u00e1cia (obecn\u00fd \u00farad) Projektov\u00e1 dokument\u00e1cia (autorizovan\u00fd projektant) Technick\u00fd n\u00e1vod na stavbu domu, ktor\u00fd obsahuje:&nbsp; In\u017einiering Konanie o stavebnom z\u00e1mere (stavebn\u00fd \u00farad)\u00a0 Ozn\u00e1menie o za\u010dat\u00ed stavby (stavebn\u00edk) Kedy rie\u0161i\u0165 hypot\u00e9ku (finan\u010dn\u00fd sprostredkovate\u013e) Pre\u010d\u00edtajte si aj aj blog o tom, ako z\u00edska\u0165 v\u00fdhodnej\u0161\u00ed \u00farok na hypot\u00e9ke. Ako financova\u0165 stavbu domu V\u00fdstavba rodinn\u00e9ho domu sa d\u00e1 financova\u0165 viacer\u00fdmi sp\u00f4sobmi a v\u00fdber z\u00e1vis\u00ed od toho, v akej f\u00e1ze sa projekt nach\u00e1dza. Najr\u00fdchlej\u0161ou mo\u017enos\u0165ou je, ak v prospech \u00faveru zalo\u017e\u00edte in\u00fa nehnute\u013enos\u0165, napr\u00edklad rodi\u010dovsk\u00fa. Pri tomto postupe z\u00edskate financie r\u00fdchlej\u0161ie. Postupn\u00e9 \u010derpanie pod\u013ea priebehu stavby Druhou mo\u017enos\u0165ou financovania je zalo\u017eenie pozemku a rozostavanej stavby, kedy banka uvo\u013e\u0148uje peniaze postupne, v z\u00e1vislosti od priebehu v\u00fdstavby. Ako to funguje? Pri rozostavanej stavbe banka stanov\u00ed [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[205,31],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u010co vybavi\u0165 pred stavbou domu: dokumenty, povolenia a hypot\u00e9ka - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Stavba domu si vy\u017eaduje dobr\u00fa pr\u00edpravu. 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