{"id":3052,"date":"2025-02-20T18:52:00","date_gmt":"2025-02-20T17:52:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3052"},"modified":"2026-01-20T14:24:31","modified_gmt":"2026-01-20T13:24:31","slug":"podmienky-hypoteky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/podmienky-hypoteky\/","title":{"rendered":"Podmienky hypot\u00e9ky v roku 2026: V\u0161etko, \u010do potrebujete vedie\u0165"},"content":{"rendered":"\n<p><b>Prem\u00fd\u0161\u013eate nad nov\u00fdm b\u00fdvan\u00edm, ale netu\u0161\u00edte, \u010di dostanete \u00faver? Chcete vedie\u0165, ko\u013eko pe\u0148az\u00ed by v\u00e1m banky vedeli po\u017ei\u010da\u0165 pri va\u0161om pr\u00edjme alebo ako by ste mohli hypot\u00e9ku \u010do najv\u00fdhodnej\u0161ie dofinancov<\/b><strong>a\u0165?&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>\u010co je to rating klienta<\/li>\n\n\n\n<li>Ak\u00e9 s\u00fa parametre hypot\u00e9ky<\/li>\n\n\n\n<li>Ako postupova\u0165 pri vybavovan\u00ed<\/li>\n\n\n\n<li>Ak\u00e9 r\u00f4zne doklady budete potrebova\u0165<\/li>\n\n\n\n<li>Pre\u010do za\u010da\u0165 u sprostredkovate\u013ea <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<p>Ide\u00e1lny scen\u00e1r je, ak si e\u0161te pred h\u013eadan\u00edm vysn\u00edvan\u00e9ho bytu \u010di domu&nbsp;<strong>prever\u00edte svoje \u00faverov\u00e9 limity. <\/strong>Zjednodu\u0161ene povedan\u00e9, zist\u00edte, \u010di v\u00e1m banky bud\u00fa vedie\u0165 poskytn\u00fa\u0165 hypot\u00e9ku, v akej v\u00fd\u0161ke a za ak\u00fdch podmienok.&nbsp;<span style=\"font-weight: 400;\">V ka\u017edej banke v\u0161ak<strong> m\u00f4\u017eete pochodi\u0165 inak<\/strong>. Jedna v\u00e1m m\u00f4\u017ee \u00faver schv\u00e1li\u0165 bez probl\u00e9mov, druh\u00e1 v\u00e1m odklepne menej pe\u0148az\u00ed alebo hor\u0161iu \u00farokov\u00fa sadzbu, z tretej m\u00f4\u017eete od\u00eds\u0165 aj \u00faplne napr\u00e1zdno.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong>&nbsp;<\/span><\/span>Cesta k hypot\u00e9ke m\u00f4\u017ee by\u0165 ove\u013ea jednoduch\u0161ia, ak po\u017eiadate o pomoc finan\u010dn\u00e9ho sprostredkovate\u013ea. Porad\u00ed v\u00e1m <strong>bezplatne<\/strong>, u\u0161etr\u00ed mno\u017estvo <strong>\u010dasu, stresov aj <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">pe\u0148az\u00ed<\/a>.&nbsp;<\/strong><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Overte si podmienky hypot\u00e9ky<\/span><\/h2>\n\n\n\n<p>Ak prem\u00fd\u0161\u013eate nad\u00a0<a href=\"https:\/\/www.fingo.sk\/blog\/konci-vam-fixacia-o-jeden-ci-dva-roky-mame-tipy-ako-si-znizite-buduce-splatky-hypoteky\/\">hypot\u00e9kou<\/a>, nie je na \u010do \u010daka\u0165. O\u010dak\u00e1va sa, \u017ee \u00farokov\u00e9 sadzby u\u017e v priebehu roka 2026 \u017eiadnym v\u00fdrazn\u00fdm sp\u00f4sobom klesa\u0165 nebud\u00fa a z\u00e1rove\u0148 sa predpoklad\u00e1 \u010fal\u0161\u00ed rast cien nehnute\u013enost\u00ed. To znamen\u00e1, \u017ee ak k\u00fapu odlo\u017e\u00edte, m\u00f4\u017eete v bud\u00facnosti potrebova\u0165 vy\u0161\u0161\u00ed \u00faver. Pre t\u00fdch, ktor\u00fdch pr\u00edjem je na hranici schv\u00e1lite\u013enosti hypot\u00e9ky, je preto d\u00f4le\u017eit\u00e9 za\u010da\u0165 rie\u0161i\u0165 financovanie \u010do najsk\u00f4r. Prv\u00fdm krokom je zisti\u0165 si, ak\u00e9 s\u00fa va\u0161e \u00faverov\u00e9 mo\u017enosti a ak\u00fa v\u00fd\u0161ku hypot\u00e9ky si m\u00f4\u017eete pri aktu\u00e1lnych \u00farokov\u00fdch sadzb\u00e1ch dovoli\u0165.<\/p>\n\n\n\n<p>V roku 2024 sa trend na \u00faverovom trhu oto\u010dil a po dvoch rokoch za\u010dali \u00farokov\u00e9 sadzby kone\u010dne klesa\u0165. St\u00e1le s\u00fa v\u0161ak vy\u0161\u0161ie, ne\u017e na ak\u00e9 sme boli zvyknut\u00ed po\u010das hypotek\u00e1rneho boomu. \u010casy, ke\u010f si hypot\u00e9ku s \u00farokom pod 1 % mohol dovoli\u0165 takmer ka\u017ed\u00fd, s\u00fa minulos\u0165ou. Dnes sa na hypot\u00e9ku kvalifikuje podstatne menej \u017eiadate\u013eov. St\u00e1le plat\u00ed, \u017ee zadl\u017eovanie \u013eud\u00ed limituj\u00fa aj platn\u00e9 legislat\u00edvne<a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vypocitate-maximalny-limit-hypoteky-a-tipy-ak-potrebujete-vyssi-uver\/\"><strong>\u00a0opatrenia NBS<\/strong><\/a>, ktor\u00fdch cie\u013eom je obmedzi\u0165 nadmern\u00e9 zadl\u017eovanie obyvate\u013estva. Pri vy\u0161\u0161\u00edch \u00farokoch kv\u00f4li nim prejde cez schva\u013eovacie sito menej z\u00e1ujemcov o \u00faver. Tieto opatrenia zni\u017euj\u00fa maxim\u00e1lnu v\u00fd\u0161ku \u00faveru, ktor\u00fa m\u00f4\u017eu banky schv\u00e1li\u0165, a pri vy\u0161\u0161\u00edch \u00farokov\u00fdch sadzb\u00e1ch cez schva\u013eovacie krit\u00e9ri\u00e1 prejde menej \u017eiadate\u013eov. Ak v\u00e1s zauj\u00edma, ak\u00e9 konkr\u00e9tne obmedzenia stanovuj\u00fa tieto opatrenia, podrobnosti n\u00e1jdete\u00a0<a href=\"https:\/\/www.fingo.sk\/blog\/zvazujete-novu-hypoteku\/\">v tomto \u010dl\u00e1nku<\/a>\u00a0na\u0161ej odborn\u00ed\u010dky.\u00a0<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Rating klienta<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Banka sa v\u00e1s bude p\u00fdta\u0165 na v\u00e1\u0161<\/span><b> pr\u00edjem, povolanie<\/b><span style=\"font-weight: 400;\">, \u010di ste<\/span><b> zamestnan\u00fd<\/b><span style=\"font-weight: 400;\"> na trval\u00fd pracovn\u00fd pomer alebo pracujete <\/span><b>na \u017eivnos\u0165<\/b><span style=\"font-weight: 400;\">. Rovnako sa v\u00e1s op\u00fdta na typ <strong>nehnute\u013enosti<\/strong>, ktor\u00fd by ste chceli k\u00fapi\u0165 a financova\u0165. Ka\u017ed\u00e1 banka m\u00e1 nastaven\u00e9 vlastn\u00e9 krit\u00e9ri\u00e1, ktor\u00e9 interne vyhodnot\u00ed a zarad\u00ed v\u00e1s do ur\u010ditej <strong>ratingovej skupiny<\/strong>. Aj v z\u00e1vislosti od v\u00e1\u0161ho ratingu v\u00e1m m\u00f4\u017ee vypo\u010d\u00edta\u0165 v\u00fd\u0161ku mo\u017en\u00e9ho \u00faveru. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Rating klienta ovplyv\u0148uje ve\u013emi ve\u013ea faktorov a m\u00f4\u017eete si ho zlep\u0161i\u0165 aj t\u00fdm, ak u\u017e budete ma\u0165 \u00faverov\u00fa hist\u00f3riu s bezprobl\u00e9mov\u00fdm spl\u00e1can\u00edm.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>\u00daverov\u00e1 hist\u00f3ria a plnenie z\u00e1v\u00e4zkov vo\u010di \u0161t\u00e1tnym in\u0161tit\u00faci\u00e1m<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Z\u00e1sadn\u00fd vplyv v\u00e1\u0161 rating m\u00e1 spom\u00ednan\u00e1 <\/span><b>\u00faverov\u00e1 hist\u00f3ria, <\/b><span style=\"font-weight: 400;\">ktor\u00fa si banky preveruj\u00fa <strong><a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">v registri<\/a> <\/strong>bankov\u00fdch a nebankov\u00fdch \u00faverov. Ak zistia, \u017ee ste mali v minulosti <strong>ome\u0161kania<\/strong> a nespl\u00e1cali svoje z\u00e1v\u00e4zky na\u010das, pr\u00edpadne ste mali na krku <strong>exek\u00faciu \u010di nedoplatky<\/strong> v zdravotnej pois\u0165ovni alebo na da\u0148ovom \u00farade, m\u00f4\u017ee v\u00e1m pon\u00faknu\u0165 <strong>hor\u0161\u00ed \u00farok,<\/strong> v hor\u0161om pr\u00edpade v\u00e1m \u00faver <strong>neposkytne v\u00f4bec.<\/strong><\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Z\u00e1kladn\u00e9 parametre hypot\u00e9ky<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Hypot\u00e9ku poskytuj\u00fa banky klientom, ktor\u00ed dov\u0155\u0161ia<strong> 18 rokov<\/strong>. Maxim\u00e1lny vek nie je obmedzen\u00fd, ale<strong> limitovan\u00e1 je splatnos\u0165<\/strong> hypot\u00e9ky. Niektor\u00e9 banky maj\u00fa ur\u010den\u00fa hranicu<strong> do 65 rokov<\/strong>, in\u00e9 poskytn\u00fa \u00faver so splatnos\u0165ou aj <strong>do 70 rokov, niektor\u00fdch pr\u00edpadoch aj do vy\u0161\u0161ieho veku .&nbsp;<\/strong><\/span><\/li>\n\n\n\n<li>Od janu\u00e1ra 2023 banky pri nov\u00fdch \u017eiadostiach o hypot\u00e9ky s presahom do d\u00f4chodkov\u00e9ho veku aplikuj\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-40-co-sa-od-januara-zmeni-a-kto-by-sa-mal-s-uverom-poponahlat\/\">nov\u00e9 pravidl\u00e1<\/a>. S ka\u017ed\u00fdm prib\u00fadaj\u00facim rokom po\u010dn\u00fac <strong>vekom 41 rokov<\/strong> sa zni\u017euje maxim\u00e1lny \u00faverov\u00fd strop. T\u00fdm p\u00e1dom aj automaticky kles\u00e1 v\u00fd\u0161ka maxim\u00e1lneho \u00faveru, ktor\u00fd v\u00e1m banka m\u00f4\u017ee poskytn\u00fa\u0165.<\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00fd\u0161ka hypot\u00e9ky b\u00fdva <strong>minim\u00e1lne 3 300 eur<\/strong>, maxim\u00e1lna v\u00fd\u0161ka je v niektor\u00fdch bank\u00e1ch bez obmedzenia. Z\u00e1vis\u00ed hlavne od hodnoty nehnute\u013enosti, ktorou budete ru\u010di\u0165 a tie\u017e od va\u0161ej schopnosti spl\u00e1ca\u0165 \u00faver a od pr\u00edjmu, ktor\u00fd v\u00e1m dan\u00e1 banka akceptuje<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Doba splatnosti na hypot\u00e9ke je <strong>minim\u00e1lne 1 rok, maxim\u00e1lne 30 rokov<\/strong> a v niektor\u00fdch bank\u00e1ch si hypot\u00e9ku m\u00f4\u017eete natiahnu\u0165 dokonca aj na<strong> 40 rokov.<\/strong> \u010c\u00edm dlh\u0161iu splatnos\u0165 si zvol\u00edte, t\u00fdm men\u0161iu spl\u00e1tku budete spl\u00e1ca\u0165.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00darokov\u00e1 sadzba na hypot\u00e9ke je <a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke\/\"><strong>fixovan\u00e1<\/strong><\/a>, tak\u017ee sa zo strany banky po\u010das obdobia fix\u00e1cie nemen\u00ed a m\u00f4\u017eete si vybra\u0165 obdobie fix\u00e1cie napr\u00edklad na <strong>1, 2, 3, 4, 5, 7, 10 \u010di 15 rokov.&nbsp;<\/strong><\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ke\u010f budete pozna\u0165 v\u00e1\u0161 cenov\u00fd strop, teda ak\u00fd byt \u010di dom si m\u00f4\u017eete finan\u010dne dovoli\u0165, za\u010dnite h\u013eada\u0165 <\/span>konkr\u00e9tnu nehnute\u013enos\u0165.<\/p>\n<\/blockquote>\n\n\n\n<h3><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" class=\"alignnone wp-image-6819 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" width=\"1350\" height=\"738\"><\/a><\/h3>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ako z\u00edska\u0165 vy\u0161\u0161\u00ed \u00faver<\/b><\/span><\/h3>\n\n\n\n<p>Ke\u010f<span style=\"font-weight: 400;\"> u\u017e n\u00e1jdete v\u00e1\u0161 vysn\u00edvan\u00fd byt \u010di dom, op\u00e4\u0165 si aj vzh\u013eadom na typ kupovanej nehnute\u013enosti <strong>preverte<\/strong>, \u010di v\u00e1m na \u0148u banka poskytne \u00faver a v akej v\u00fd\u0161ke. Ak by v\u00e1m z pr\u00edjmu nevych\u00e1dza v\u00fd\u0161ka \u00faveru, ktor\u00fd potrebujete, m\u00f4\u017ee v\u00e1m pom\u00f4c\u0165<strong> spolu\u017eiadate\u013e<\/strong> s akceptovate\u013en\u00fdm pr\u00edjmom.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak potrebujete okrem hypot\u00e9ky aj peniaze na&nbsp;<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\"><b>dofinancovanie <\/b><\/a>k\u00fapy nehnute\u013enosti&nbsp;<span style=\"font-weight: 400;\">napr\u00edklad spotrebn\u00fdm \u00faverom \u010di \u00faverom stavebnej sporite\u013ene, ale op\u00e4\u0165 na to nebudete ma\u0165 dostato\u010dn\u00fd pr\u00edjem, m\u00f4\u017eete pon\u00faknu\u0165 banke ako zabezpe\u010denie <strong>\u010fal\u0161iu nehnute\u013enos\u0165.<\/strong>&nbsp;Takto v\u00e1m m\u00f4\u017ee prefinancova\u0165 cel\u00fa k\u00fapnu cenu prostredn\u00edctvom hypot\u00e9ky.<\/span><\/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<h3><span style=\"color: #ec8124;\"><b>Pri \u00faroku pozor na detaily<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri porovn\u00e1van\u00ed hypot\u00e9k v\u00e4\u010d\u0161inu \u013eud\u00ed zauj\u00edma hlavne \u00farokov\u00e1 sadzba. P\u00fdtajte sa v\u0161ak aj na <\/span>dodato\u010dn\u00e9<b> podmienky a detaily<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 bud\u00fa na konkr\u00e9tne ponuky hypot\u00e9k naviazan\u00e9.&nbsp;<\/span> <span style=\"font-weight: 400;\">M\u00f4\u017ee \u00eds\u0165 o <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\">poistenie \u00faveru<\/a>, nutnos\u0165 zriadi\u0165 si v banke akt\u00edvny \u00fa\u010det at\u010f. Platenie za tieto dodato\u010dn\u00e9 produkty m\u00f4\u017ee v\u00e1\u0161 <\/span><b>\u00faver predra\u017ei\u0165<\/b><span style=\"font-weight: 400;\">, preto je to pri porovn\u00e1van\u00ed hypot\u00e9k ve\u013emi d\u00f4le\u017eit\u00e9.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00e9 s\u00fa nasledovn\u00e9 kroky pri vybavovan\u00ed hypot\u00e9ky?&nbsp;<\/span><\/h2>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ak\u00e9 doklady budete potrebova\u0165<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Aby prebehlo vybavenie hypot\u00e9ky hladko, zosumarizujte si v\u0161etky doklady, ktor\u00e9 bude banka <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">k \u017eiadosti o \u00faver<\/a> potrebova\u0165:&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><b>doklad toto\u017enosti&nbsp;<\/b><\/li>\n\n\n\n<li><strong>doklady o va\u0161om pr\u00edjme<\/strong> <span style=\"font-weight: 400;\">&#8211; ak ste zamestnanec, obvykle nemus\u00edte dokladova\u0165 ni\u010d. Ak ste podnikate\u013e, budete dokladova\u0165 pr\u00edjem z da\u0148ov\u00e9ho priznania za posledn\u00e9 ukon\u010den\u00e9 zda\u0148ovacie obdobie<\/span><\/li>\n\n\n\n<li><b>znaleck\u00fd posudok <\/b><span style=\"font-weight: 400;\">k predmetu zabezpe\u010denia hypot\u00e9ky so v\u0161etk\u00fdmi povinn\u00fdmi pr\u00edlohami &#8211; doklad o veku stavby, p\u00f4dorys alebo projektov\u00e1 dokument\u00e1cia, pr\u00edp. stavebn\u00e9 povolenie, nadob\u00fadacia zmluva, CD<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> V\u00e4\u010d\u0161inou ide o<a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\"> znaleck\u00fd posudok<\/a> ku kupovanej nehnute\u013enosti, ale m\u00f4\u017ee to by\u0165 aj posudok k inej nehnute\u013enosti, ktorou chcete ru\u010di\u0165 (napr. bytom \u010di domom rodi\u010dov).&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><b>n\u00e1vrh k\u00fapnej zmluvy&nbsp;<\/b><\/li>\n\n\n\n<li><b>doklady toto\u017enosti pred\u00e1vaj\u00facich <\/b><span style=\"font-weight: 400;\">(z\u00e1lo\u017ecov), ktor\u00ed bud\u00fa ako s\u00fa\u010dasn\u00ed vlastn\u00edci nehnute\u013enosti v banke podpisova\u0165 z\u00e1lo\u017en\u00e9 zmluvy&nbsp;<\/span><\/li>\n\n\n\n<li><b>banka m\u00f4\u017ee po\u017eadova\u0165 aj \u010fal\u0161ie doklady <\/b><span style=\"font-weight: 400;\">v z\u00e1vislosti od va\u0161ej situ\u00e1cie&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Mno\u017estvo praktick\u00fdch r\u00e1d a tipov pri v\u00fdbere vhodnej hypot\u00e9ky n\u00e1jdete aj v na\u0161om sprievodcovi k nov\u00e9mu b\u00fdvaniu, ktor\u00e9ho si m\u00f4\u017eete&nbsp;<a class=\"c-link\" tabindex=\"-1\" href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" data-sk=\"tooltip_parent\" data-remove-tab-index=\"true\">stiahnu\u0165 zadarmo<\/a>.<\/p>\n<\/blockquote>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"740\" height=\"387\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" alt=\"\" class=\"wp-image-4752\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png 740w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1-300x157.png 300w\" sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/a><\/figure><\/div>\n\n\n<h3><span style=\"color: #ec8124;\"><b>Zmluva o hypot\u00e9ke a kataster<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Po podan\u00ed \u017eiadosti ju banka pos\u00fadi a ak bude v\u0161etko v poriadku, hypot\u00e9ku v\u00e1m schv\u00e1li. V banke podp\u00ed\u0161ete <\/span><b>zmluvu o hypot\u00e9ke<\/b><span style=\"font-weight: 400;\"> a majite\u013e nehnute\u013enosti&nbsp;<\/span><b>z\u00e1lo\u017en\u00e9 zmluvy<\/b><span style=\"font-weight: 400;\">, v ktor\u00fdch bude s\u00fahlasi\u0165 so zap\u00edsan\u00edm \u0165archy na list vlastn\u00edctva v prospech va\u0161ej banky.&nbsp;<\/span>Potom mus\u00edte<span style=\"font-weight: 400;\">&nbsp;splni\u0165 podmienky na&nbsp;<\/span><b>\u010derpanie \u00faveru. <\/b><span style=\"font-weight: 400;\">To v\u00e4\u010d\u0161inou znamen\u00e1, \u017ee banke predlo\u017e\u00edte katastrom potvrden\u00fd n\u00e1vrh na vklad z\u00e1lo\u017en\u00fdch zml\u00fav, list vlastn\u00edctva s plombou<\/span>, <span style=\"font-weight: 400;\">podp\u00edsan\u00fa<\/span><b>&nbsp;k\u00fapnu zmluvu<\/b><span style=\"font-weight: 400;\">&nbsp;a nesmie ch\u00fdba\u0165 ani <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-ako-ochranite-dom-chalupu-ci-garaz\/\">poistka na zalo\u017een\u00fa nehnute\u013enos\u0165<\/a> s vinkul\u00e1ciou v prospech banky.&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Zladi\u0165 v\u0161etky kroky potrebn\u00e9 pri k\u00fape nehnute\u013enosti je <\/span>\u010dasovo n\u00e1ro\u010dn\u00e9, <span style=\"font-weight: 400;\">no so sk\u00fasen\u00fdm finan\u010dn\u00fdm sprostredkovate\u013eom to zvl\u00e1dnete ove\u013ea \u013eah\u0161ie. <\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Finan\u010dn\u00fd makl\u00e9r za v\u00e1s m\u00f4\u017ee zastre\u0161i\u0165 aj servis okolo kompletiz\u00e1cie dokumentov k \u017eiadosti, <strong>pom\u00f4\u017ee v\u00e1m<\/strong> s vybaven\u00edm znaleck\u00e9ho posudku \u010di katastra.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V\u00fdhodou sprostredkovate\u013eov je aj to, \u017ee s<\/span><span style=\"font-weight: 400;\">polupracuj\u00fa so v\u0161etk\u00fdmi bankami a poznaj\u00fa \u0161pecifik\u00e1 ka\u017edej z nich.<\/span><span style=\"font-weight: 400;\"> V\u010faka komplexn\u00fdm inform\u00e1ci\u00e1m v\u00e1m pom\u00f4\u017eu vybavi\u0165 hypot\u00e9ku <\/span><b>efekt\u00edvnej\u0161ie a r\u00fdchlej\u0161ie<\/b><span style=\"font-weight: 400;\">, ako by ste sa k jej ide\u00e1lnemu rie\u0161eniu dopracovali vy sami.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do za\u010da\u0165 u sprostredkovate\u013ea<\/b><\/span><\/h2>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">makl\u00e9r v\u00e1m urob\u00ed d\u00f4kladn\u00fd <\/span><b>prieskum v bank\u00e1ch&nbsp;<\/b><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v\u010faka tomu zist\u00edte, kde je <\/span><b>strop <\/b>va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed<\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">porad\u00ed v\u00e1m, ako m\u00f4\u017eete hypot\u00e9ku <\/span><b>\u010do najv\u00fdhodnej\u0161ie dofinancova\u0165<\/b><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pom\u00f4\u017ee v\u00e1m <\/span><b>nielen s v\u00fdberom banky<\/b><span style=\"font-weight: 400;\">, ale zastre\u0161\u00ed aj <\/span>cel\u00fd<b> proces vybavenia \u00faveru<\/b><\/li>\n\n\n\n<li>so sprostredkovate\u013emi z FinGO.sk sa <strong>vyhnete <a href=\"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/\">\u010dast\u00fdm chyb\u00e1<\/a><a href=\"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/\">m&nbsp;<\/a><\/strong>\u013eud\u00ed<span style=\"font-weight: 400;\">, kto<\/span><b><span style=\"font-weight: 400;\">r\u00ed si rie\u0161ia hypot\u00e9ku sami<\/span><\/b><\/li>\n<\/ul>\n\n\n\n<p><b><span style=\"font-weight: 400;\">M\u00f4\u017eete n\u00e1m tie\u017e zavola\u0165 na <a href=\"tel:0800601060\">0800 60 10 60<\/a>&nbsp;alebo n\u00e1m zanechajte va\u0161e&nbsp;<span style=\"color: #ec8124;\">kontaktn\u00e9 \u00fadaje<\/span> a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/span><\/b> <\/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>Prem\u00fd\u0161\u013eate nad nov\u00fdm b\u00fdvan\u00edm, ale netu\u0161\u00edte, \u010di dostanete \u00faver? Chcete vedie\u0165, ko\u013eko pe\u0148az\u00ed by v\u00e1m banky vedeli po\u017ei\u010da\u0165 pri va\u0161om pr\u00edjme alebo ako by ste mohli hypot\u00e9ku \u010do najv\u00fdhodnej\u0161ie dofinancova\u0165?&nbsp; V \u010dl\u00e1nku sa do\u010d\u00edtate: Ide\u00e1lny scen\u00e1r je, ak si e\u0161te pred h\u013eadan\u00edm vysn\u00edvan\u00e9ho bytu \u010di domu&nbsp;prever\u00edte svoje \u00faverov\u00e9 limity. Zjednodu\u0161ene povedan\u00e9, zist\u00edte, \u010di v\u00e1m banky bud\u00fa vedie\u0165 poskytn\u00fa\u0165 hypot\u00e9ku, v akej v\u00fd\u0161ke a za ak\u00fdch podmienok.&nbsp;V ka\u017edej banke v\u0161ak m\u00f4\u017eete pochodi\u0165 inak. Jedna v\u00e1m m\u00f4\u017ee \u00faver schv\u00e1li\u0165 bez probl\u00e9mov, druh\u00e1 v\u00e1m odklepne menej pe\u0148az\u00ed alebo hor\u0161iu \u00farokov\u00fa sadzbu, z tretej m\u00f4\u017eete od\u00eds\u0165 aj \u00faplne napr\u00e1zdno.&nbsp; TIP:&nbsp;Cesta k hypot\u00e9ke m\u00f4\u017ee by\u0165 ove\u013ea jednoduch\u0161ia, ak po\u017eiadate o pomoc finan\u010dn\u00e9ho sprostredkovate\u013ea. Porad\u00ed v\u00e1m bezplatne, u\u0161etr\u00ed mno\u017estvo \u010dasu, stresov aj pe\u0148az\u00ed.&nbsp; Overte si podmienky hypot\u00e9ky Ak prem\u00fd\u0161\u013eate nad\u00a0hypot\u00e9kou, nie je na \u010do \u010daka\u0165. O\u010dak\u00e1va sa, \u017ee \u00farokov\u00e9 sadzby u\u017e v priebehu roka 2026 \u017eiadnym v\u00fdrazn\u00fdm sp\u00f4sobom klesa\u0165 nebud\u00fa a z\u00e1rove\u0148 sa predpoklad\u00e1 \u010fal\u0161\u00ed rast cien nehnute\u013enost\u00ed. To znamen\u00e1, \u017ee ak k\u00fapu odlo\u017e\u00edte, m\u00f4\u017eete v bud\u00facnosti potrebova\u0165 vy\u0161\u0161\u00ed \u00faver. Pre t\u00fdch, ktor\u00fdch pr\u00edjem je na hranici schv\u00e1lite\u013enosti hypot\u00e9ky, je preto d\u00f4le\u017eit\u00e9 za\u010da\u0165 rie\u0161i\u0165 financovanie \u010do najsk\u00f4r. Prv\u00fdm krokom je zisti\u0165 si, ak\u00e9 s\u00fa va\u0161e \u00faverov\u00e9 mo\u017enosti a ak\u00fa v\u00fd\u0161ku hypot\u00e9ky si m\u00f4\u017eete pri aktu\u00e1lnych \u00farokov\u00fdch [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8782,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,22,36],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Podmienky hypot\u00e9ky v roku 2026: V\u0161etko, \u010do potrebujete vedie\u0165<\/title>\n<meta name=\"description\" content=\"Prem\u00fd\u0161\u013eate nad nov\u00fdm b\u00fdvan\u00edm, ale neviete \u010di so svoj\u00edm pr\u00edjmom dok\u00e1\u017eete z\u00edska\u0165 hypot\u00e9ku? 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