{"id":177,"date":"2018-06-01T09:56:45","date_gmt":"2018-06-01T07:56:45","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=177"},"modified":"2019-01-03T14:05:28","modified_gmt":"2019-01-03T13:05:28","slug":"ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov\/","title":{"rendered":"Ako na \u00faspe\u0161n\u00e9 schv\u00e1lenie hypot\u00e9ky? In\u0161pirujte sa na\u0161imi tipmi"},"content":{"rendered":"<p><b>Sn\u00edvate o novom byte alebo dome a radi by ste jeho k\u00fapu financovali prostredn\u00edctvom hypotek\u00e1rneho \u00faveru? Ak sa na tento krok d\u00f4kladne priprav\u00edte, v\u00fdrazne si zv\u00fd\u0161ite \u0161ance, \u017ee banka va\u0161u \u017eiados\u0165 o hypot\u00e9ku schv\u00e1li a vy sa budete m\u00f4c\u0165 te\u0161i\u0165 z nov\u00e9ho b\u00fdvania.<\/b><\/p>\n<p>Finan\u010dn\u00ed \u0161pecialisti zo spolo\u010dnosti <a href=\"https:\/\/www.fingo.sk\/\" target=\"_blank\" rel=\"noopener\">FinGO.sk<\/a> pre v\u00e1s zhrnuli, na \u010do mus\u00edte myslie\u0165 e\u0161te pred t\u00fdm, ako si pod\u00e1te \u017eiados\u0165 o hypot\u00e9ku v konkr\u00e9tnej banke.<\/p>\n<h2><b>Preverte si svoj pr\u00edjem<\/b><\/h2>\n<p>V\u00e1\u0161 pr\u00edjem si banka bude overova\u0165 ako prv\u00fd. <b>D\u00f4le\u017eit\u00e1 je nielen jeho v\u00fd\u0161ka, ale aj d\u013a\u017eka pracovn\u00e9ho pomeru \u010di prev\u00e1dzkovania \u017eivnosti.<\/b> Rovnako <b>nesmiete by\u0165 v sk\u00fa\u0161obnej \u010di v\u00fdpovednej lehote<\/b>, probl\u00e9mom m\u00f4\u017ee by\u0165 tie\u017e, ak je v\u00e1\u0161<b> pracovn\u00fd pomer na dobu ur\u010dit\u00fa.<\/b> <i>\u00a0<\/i>Niekedy dokonca m\u00f4\u017ee pr\u00eds\u0165 iba k form\u00e1lnym zmen\u00e1m v pracovnej zmluve, kedy napr. zamestn\u00e1vate\u013e zmen\u00ed I\u010cO, pr\u00edpadne zamestnancov presunie pod in\u00fa svoju spolo\u010dnos\u0165. Pre zamestnanca z toho s\u00edce nevypl\u00fdva \u017eiadna praktick\u00e1 zmena, no banka to vyhodnot\u00ed ako zmenu zamestnania. To m\u00f4\u017ee ma\u0165 za n\u00e1sledok zhor\u0161enie \u00farokovej sadzby alebo dokonca aj zamietnutie \u00faveru.<\/p>\n<h2><b>Vyberte si banku <\/b><\/h2>\n<p>Na trhu p\u00f4sob\u00ed ve\u013ea b\u00e1nk a takmer ka\u017ed\u00e1 z nich poskytuje \u00favery na b\u00fdvanie. Pre v\u00e1s to znamen\u00e1, \u017ee by ste si mali porovna\u0165<a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"> ponuky v\u0161etk\u00fdch b\u00e1nk<\/a>, zodpovedne zv\u00e1\u017ei\u0165 v\u0161etky krit\u00e9ri\u00e1 a vyhodnoti\u0165, ktor\u00e1 banka m\u00e1 pre v\u00e1s <b>najlep\u0161iu hypot\u00e9ku. <\/b>Hypot\u00e9ka je dlhodob\u00fd a komplexn\u00fd produkt a preto je d\u00f4le\u017eit\u00e9 pri v\u00fdbere banky zv\u00e1\u017ei\u0165 cel\u00fd rad parametrov, nielen \u00farokov\u00fa sadzbu \u010di v\u00fd\u0161ku spl\u00e1tky. Nemus\u00edte to v\u0161ak robi\u0165 sami. Ide\u00e1lne je, ak sa <b>obr\u00e1tite na sk\u00fasen\u00e9ho finan\u010dn\u00e9ho<\/b> <b>sprostredkovate\u013ea<\/b>, ktor\u00fd pre v\u00e1s vyhodnot\u00ed <b>ponuky od v\u0161etk\u00fdch b\u00e1nk<\/b> a porad\u00ed v\u00e1m, ktor\u00e1 <b>hypot\u00e9ka je pre v\u00e1s najv\u00fdhodnej\u0161ia<\/b>. Spolupr\u00e1ca s finan\u010dn\u00fdm odborn\u00edkom je zadarmo, ni\u010d neplat\u00edte a neodraz\u00ed sa to ani na cene va\u0161ej hypot\u00e9ky.<\/p>\n<h2><b>Zistite svoj \u00faverov\u00fd limit <\/b><\/h2>\n<p><b>Sk\u00f4r ako sa vyberiete na prv\u00fa obhliadku nehnute\u013enosti, nav\u0161t\u00edvte vybrat\u00fa <\/b><b>banku alebo sa pora\u010fte so svoj\u00edm finan\u010dn\u00fdm sprostredkovate\u013eom<\/b>, aby ste zistili svoj <b>\u00faverov\u00fd limit.<\/b> Mo\u017eno ste mali v pl\u00e1ne k\u00fapi\u0165 si trojizbov\u00fd byt vo vybranej lokalite, ale po porade s finan\u010dn\u00fdm sprostredkovate\u013eom zist\u00edte, \u017ee bu\u010f mus\u00edte \u00eds\u0165 do inej lokality, alebo sa uspokoji\u0165 s men\u0161\u00edm bytom. Bez toho, aby ste poznali svoj \u00faverov\u00fd limit, je ak\u00e1ko\u013evek obhliadka \u010dasto kr\u00e1t iba zbyto\u010dnou stratou \u010dasu.<\/p>\n<p><iframe id=\"banner\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" src=\"https:\/\/www.fingo.sk\/banner\/version2\" name=\"banner\" width=\" 90%\" height=\"328\" frameborder=\"0\" scrolling=\"1\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<h2><b>Vyberte si spr\u00e1vnu nehnute\u013enos\u0165<\/b><\/h2>\n<p>Na\u0161li ste kone\u010dne nehnute\u013enos\u0165, ktor\u00e1 sa v\u00e1m p\u00e1\u010di? Je d\u00f4le\u017eit\u00e9 si uvedomi\u0165, \u017ee vami vybrat\u00e1 nehnute\u013enos\u0165 nemus\u00ed by\u0165 rovnako atrakt\u00edvna aj pre banku. Preto si <b>d\u00f4kladne preverte list vlastn\u00edctva<\/b>, \u010di nie s\u00fa na nehnute\u013enosti evidovan\u00e9 \u00a0\u0165archy, ktor\u00e9 banka nemus\u00ed akceptova\u0165. Pr\u00edpadne \u010di sa jedn\u00e1 o byt, alebo je nehnute\u013enos\u0165 zap\u00edsan\u00e1 v katastri ako apartm\u00e1n. \u010casto kr\u00e1t s\u00fa nehnute\u013enosti zap\u00edsan\u00e9 tak, \u017ee <b>skuto\u010dn\u00fd stav nehnute\u013enosti \u00a0sa nezhoduje s pr\u00e1vnym stavom. <\/b>Na toto by v\u00e1s\u00a0 v\u0161ak\u00a0mal upozorni\u0165 aj znalec, ktor\u00fd bude vypracov\u00e1va\u0165 <b>znaleck\u00fd posudok k nehnute\u013enosti.<\/b><\/p>\n<h2><b>Podajte \u017eiados\u0165 o hypot\u00e9ku <\/b><\/h2>\n<p>Ak u\u017e m\u00e1te vybrat\u00fa nehnute\u013enos\u0165, vypracovan\u00fd znaleck\u00fd posudok a skompletizovan\u00e9 ostatn\u00e9 doklady, ako napr\u00edklad doklad toto\u017enosti \u010di doklady k pr\u00edjmu, <b>nev\u00e1hajte s podan\u00edm \u017eiadosti.<\/b> Podmienky sa dnes v bank\u00e1ch r\u00fdchlo menia a tie\u017e \u00a0<b>schva\u013eovac\u00ed proces zvy\u010dajne trv\u00e1 nieko\u013eko dn\u00ed, no m\u00f4\u017ee sa <\/b><b>natiahnu\u0165 aj na nieko\u013eko t\u00fd\u017ed\u0148ov. <\/b>Tak\u00e9to pred\u013a\u017eenie schva\u013eovacej doby by mohlo napr\u00edklad ohrozi\u0165 dodr\u017eanie term\u00ednu rezerva\u010dnej zmluvy.<\/p>\n<p><b>V pr\u00edpade schv\u00e1lenia hypot\u00e9ky v\u00e1m v\u0161ak u\u017e ni\u010d nebr\u00e1ni v ceste za <\/b><b>va\u0161\u00edm vysn\u00edvan\u00fdm nov\u00fdm b\u00fdvan\u00edm!<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sn\u00edvate o novom byte alebo dome a radi by ste jeho k\u00fapu financovali prostredn\u00edctvom hypotek\u00e1rneho \u00faveru? Ak sa na tento krok d\u00f4kladne priprav\u00edte, v\u00fdrazne si zv\u00fd\u0161ite \u0161ance, \u017ee banka va\u0161u \u017eiados\u0165 o hypot\u00e9ku schv\u00e1li a vy sa budete m\u00f4c\u0165 te\u0161i\u0165 z nov\u00e9ho b\u00fdvania.<\/p>\n","protected":false},"author":15,"featured_media":178,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,5],"tags":[23,22,20,21,19],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako na \u00faspe\u0161n\u00e9 schv\u00e1lenie hypot\u00e9ky? In\u0161pirujte sa na\u0161imi tipmi - FinGO.sk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ako na \u00faspe\u0161n\u00e9 schv\u00e1lenie hypot\u00e9ky? In\u0161pirujte sa na\u0161imi tipmi - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Sn\u00edvate o novom byte alebo dome a radi by ste jeho k\u00fapu financovali prostredn\u00edctvom hypotek\u00e1rneho \u00faveru? Ak sa na tento krok d\u00f4kladne priprav\u00edte, v\u00fdrazne si zv\u00fd\u0161ite \u0161ance, \u017ee banka va\u0161u \u017eiados\u0165 o hypot\u00e9ku schv\u00e1li a vy sa budete m\u00f4c\u0165 te\u0161i\u0165 z nov\u00e9ho b\u00fdvania.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-01T07:56:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-01-03T13:05:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/shutterstock_519924217_small.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1840\" \/>\n\t<meta property=\"og:image:height\" content=\"1228\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Katar\u00edna Kostkov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katar\u00edna Kostkov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-na-uspesne-schvalenie-hypoteky-inspirujte-sa-tipmi-od-profesionalov\/\"},\"author\":{\"name\":\"Katar\u00edna Kostkov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/9761012ef3ed611920eccab0d5a21415\"},\"headline\":\"Ako na \u00faspe\u0161n\u00e9 schv\u00e1lenie hypot\u00e9ky? 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