{"id":3258,"date":"2025-03-07T10:13:00","date_gmt":"2025-03-07T09:13:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3258"},"modified":"2026-01-20T14:18:05","modified_gmt":"2026-01-20T13:18:05","slug":"hypoteka-pre-zivnostnikov","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/","title":{"rendered":"Hypot\u00e9ka pre podnikate\u013eov v roku 2026: Ako ju z\u00edska\u0165?"},"content":{"rendered":"\n<p><strong>Podnik\u00e1te a uva\u017eujete o \u00favere na b\u00fdvanie? Ak ste \u017eivnostn\u00edk alebo m\u00e1te firmu, myslite na to, \u017ee aj va\u0161a schopnos\u0165 zdokladova\u0165 pr\u00edjem ovplyv\u0148uje \u0161ancu na z\u00edskanie hypot\u00e9ky. Banky toti\u017e pri posudzovan\u00ed \u017eiadosti o \u00faver sk\u00famaj\u00fa da\u0148ov\u00e9 priznanie a \u00fa\u010dtovn\u00e9 v\u00fdkazy, pri\u010dom ka\u017ed\u00e1 m\u00e1 vlastn\u00e9 krit\u00e9ri\u00e1 na akceptovanie pr\u00edjmov. Hypot\u00e9ka pre \u017eivnostn\u00edkov sa v jednotliv\u00fdch bank\u00e1ch m\u00f4\u017ee riadi\u0165 odli\u0161n\u00fdmi pravidlami. Na \u010do \u010fal\u0161ie by ste si mali da\u0165 pozor?&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 ovplyv\u0148uje hypot\u00e9ku pre \u017eivnostn\u00edkov<\/li>\n\n\n\n<li>Ak\u00fa v\u00fd\u0161ku \u00faveru v\u00e1m m\u00f4\u017eu schv\u00e1li\u0165<\/li>\n\n\n\n<li>Ako dlho mus\u00edte podnika\u0165<\/li>\n\n\n\n<li>Ak\u00fd pr\u00edjem v\u00e1m akceptuje banka<\/li>\n\n\n\n<li>Na \u010do e\u0161te da\u0165 pozor pri \u00favere<\/li>\n<\/ul>\n\n\n\n<p>\u017diadate\u013eov o <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\">hypot\u00e9ku<\/a>, ktor\u00ed v banke dokladuj\u00fa pr\u00edjem z podnikania, v posledn\u00fdch rokoch prib\u00fada. Vlani <strong>nar\u00e1stol aj po\u010det \u017eivnostn\u00edkov<\/strong>, ktor\u00ed sa cez <strong><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">online porovn\u00e1va\u010de<\/a> <\/strong>zauj\u00edmali o mo\u017enos\u0165 z\u00edska\u0165 hypot\u00e9ku alebo chceli refinancova\u0165 svoje existuj\u00face \u00favery. Slov\u00e1ci sa vo zv\u00fd\u0161enej miere zauj\u00edmaj\u00fa<strong>&nbsp;o finan\u010dn\u00e9 produkty na dia\u013eku<\/strong>, z pohodlia <a href=\"https:\/\/www.fingo.sk\/kontakty\">svojho domova.<\/a>\n<div id=\"attachment_2947\" style=\"width: 210px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-2947\" decoding=\"async\" width=\"1125\" height=\"1125\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_.png\" alt=\"Eva \u0160ablov\u00e1\" class=\"wp-image-2947\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_.png 1125w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-150x150.png 150w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-300x300.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-768x768.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-1024x1024.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-1080x1080.png 1080w\" sizes=\"(max-width: 1125px) 100vw, 1125px\" \/><p id=\"caption-attachment-2947\" class=\"wp-caption-text\"><\/figure>\n\n\n\n<p> Eva \u0160ablov\u00e1, riadite\u013eka pre \u00favery FinGO.sk<\/p><\/div>\n<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Hypot\u00e9ka pre \u017eivnostn\u00edkov a majite\u013eov s.r.o&nbsp;<\/span><\/h2>\n\n\n\n<p>Ak <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-hypoteku-krok-za-krokom\/\">o hypot\u00e9ku \u017eiadate<\/a> ako podnikate\u013e &#8211; \u010di ste \u017eivnostn\u00edk alebo majite\u013e s.r.o-\u010dky, va\u0161a cesta k \u00faveru m\u00f4\u017ee by\u0165&nbsp;v porovnan\u00ed so zamestnancom <strong>o nie\u010do zlo\u017eitej\u0161ia<\/strong>. Ovplyv\u0148uje to viac faktorov.<\/p>\n\n\n\n<p><em>\u201eRozhoduje <strong>d\u013a\u017eka podnikania, druh podnikate\u013eskej \u010dinnosti <\/strong>ako aj <strong>v\u00fd\u0161ka akceptovan\u00e9ho pr\u00edjmu<\/strong>. Niektor\u00e9 banky podnikate\u013eovi nemusia schv\u00e1li\u0165 hypot\u00e9ku v\u00f4bec, in\u00e9 v\u00e1m akceptuj\u00fa ni\u017e\u0161\u00ed pr\u00edjem, \u010fal\u0161ie obmedzia maxim\u00e1lnu v\u00fd\u0161ku \u00faveru,&#8220; <\/em>opisuje odborn\u00ed\u010dka Eva \u0160ablov\u00e1.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><em>Rozdiel v schv\u00e1lenej v\u00fd\u0161ke \u00faveru m\u00f4\u017ee by\u0165 diametr\u00e1lne odli\u0161n\u00fd. M\u00f4\u017eu to by\u0165 desiatky tis\u00edc eur, v ur\u010dit\u00fdch pr\u00edpadoch dokonca aj 100-tis\u00edc eur.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00fa v\u00fd\u0161ku \u00faveru v\u00e1m schv\u00e1lia<\/span><\/h2>\n\n\n\n<p>Uk\u00e1\u017eeme si to na pr\u00edkladoch, ktor\u00e9 s\u00fa po\u010d\u00edtan\u00e9 pri <strong>splatnosti hypot\u00e9ky 30 rokov<\/strong> a priemernej<strong> \u00farokovej sadzbe 3,69 % p.a.<\/strong>&nbsp;Predpoklad\u00e1me, \u017ee \u017eivnostn\u00edk je slobodn\u00fd, bezdetn\u00fd a nespl\u00e1ca \u017eiadne in\u00e9 \u00favery. Pr\u00edklady s\u00fa len orienta\u010dn\u00e9 a \u00fadaje sa v praxi m\u00f4\u017eu l\u00ed\u0161i\u0165 v z\u00e1vislosti od dosiahnut\u00e9ho ratingu klienta v banke.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-robotnika_2025.png\" alt=\"\" class=\"wp-image-9939\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-robotnika_2025.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-robotnika_2025-300x202.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-robotnika_2025-768x516.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-geodeta_2025-1.png\" alt=\"\" class=\"wp-image-9947\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-geodeta_2025-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-geodeta_2025-1-300x202.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-geodeta_2025-1-768x516.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-IT-specialistu_2025.png\" alt=\"\" class=\"wp-image-9940\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-IT-specialistu_2025.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-IT-specialistu_2025-300x202.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/Hypoteka-IT-specialistu_2025-768x516.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Ako vidie\u0165 na pr\u00edkladoch, rozdiely v bank\u00e1ch s\u00fa ve\u013emi v\u00fdrazn\u00e9 a ka\u017ed\u00e1<strong>&nbsp;<\/strong>v\u00e1m m\u00f4\u017ee&nbsp;poskytn\u00fa\u0165 <strong>in\u00fa v\u00fd\u0161ku hypot\u00e9ky<\/strong>. Pri rozhodovan\u00ed o hypot\u00e9ke ur\u010dite&nbsp;nesta\u010d\u00ed len <strong>preh\u013ead o<\/strong><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><strong> \u00farokov\u00fdch sadzb\u00e1ch<\/strong><\/a> a akci\u00e1ch.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Aj preto m\u00f4\u017ee by\u0165 pre v\u00e1s ve\u013ekou pomocou finan\u010dn\u00fd sprostredkovate\u013e, ktor\u00fd pozn\u00e1 sp\u00f4sob akcept\u00e1cie pr\u00edjmu v jednotliv\u00fdch bank\u00e1ch a orientuje sa v mo\u017enostiach \u00faverov naprie\u010d cel\u00fdm bankov\u00fdm trhom.<\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Chcete vedie\u0165, ak\u00fa hypot\u00e9ku m\u00f4\u017eete dosta\u0165 vy? Zavolajte n\u00e1m do FinGO.sk na&nbsp;<a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><strong>0800 60 10 60<\/strong><\/span><\/a> alebo n\u00e1m zanechajte va\u0161e&nbsp;kontaktn\u00e9 \u00fadaje a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3258#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Rozhoduje aj d\u013a\u017eka podnikania&nbsp;<\/span><\/h2>\n\n\n\n<p>V \u010dom to maj\u00fa \u017eivnostn\u00edci oproti zamestnancom zlo\u017eitej\u0161ie?<\/p>\n\n\n\n<ul>\n<li>Najv\u00e4\u010d\u0161\u00ed rozdiel je v tom, \u017ee u \u017eivnostn\u00edka sa pri \u017eiadosti o hypot\u00e9ku po\u017eaduje v\u00fdrazne dlh\u0161ia doba vykon\u00e1vania pracovnej \u010dinnosti oproti <strong>zamestnancovi.<\/strong>&nbsp;Tomu v niektor\u00fdch bank\u00e1ch sta\u010d\u00ed, aby zdokladoval <strong>3-mesa\u010dn\u00fd, ide\u00e1lne 6-mesa\u010dn\u00fd <\/strong>pr\u00edjem.<\/li>\n\n\n\n<li>Podnikatelia m\u00f4\u017eu po\u017eiada\u0165 o \u00faver <strong>a\u017e po podan\u00ed da\u0148ov\u00e9ho priznania. <\/strong>Z\u00e1rove\u0148 musia splni\u0165 podmienku <strong>minim\u00e1lnej doby podnikania<\/strong>, ktor\u00e1<strong> je r\u00f4zna<\/strong> v z\u00e1vislosti od pravidiel danej banky.<\/li>\n<\/ul>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">PR\u00cdKLAD:<\/span> <\/strong>Ak by zamestnanec aj \u017eivnostn\u00edk za\u010dali vykon\u00e1va\u0165 aktu\u00e1lnu pracovn\u00fa \u010dinnos\u0165 na Slovensku <strong>od 1. janu\u00e1ra 202<\/strong>6, o hypot\u00e9ku bude m\u00f4c\u0165 po\u017eiada\u0165 <strong>zamestnanec najsk\u00f4r v apr\u00edli 2026. <\/strong>Ale <strong>podnikate\u013e nie<\/strong>, lebo banka zatia\u013e nem\u00e1 ako overi\u0165 jeho pr\u00edjem. Ten bude m\u00f4c\u0165 po\u017eiada\u0165 o \u00faver a\u017e <strong>v roku 2027<\/strong>\u00a0po podan\u00ed da\u0148ov\u00e9ho priznania.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00fd pr\u00edjem v\u00e1m akceptuje banka <\/span><\/h2>\n\n\n\n<p>Banka hodnot\u00ed schopnos\u0165 spl\u00e1ca\u0165 \u00faver na z\u00e1klade \u010dist\u00e9ho pr\u00edjmu klienta. U zamestnancov je to jednoduch\u0161ie, preto\u017ee pr\u00edjem sa odv\u00edja od v\u00fd\u0161ky v\u00fdplaty. \u017divnostn\u00edci v\u0161ak musia po\u010d\u00edta\u0165 s t\u00fdm, \u017ee ich fakturovan\u00e9 sumy nezodpovedaj\u00fa \u010dist\u00e9mu pr\u00edjmu, ktor\u00fd im banka uzn\u00e1 pri posudzovan\u00ed \u00faveru.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><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><em>\u201eV\u00fd\u0161ka pr\u00edjmu, ktor\u00fd banka \u017eivnostn\u00edkovi uzn\u00e1, sa po\u010d\u00edta <strong>z da\u0148ov\u00e9ho z\u00e1kladu, z obratov podnikate\u013ea, pr\u00edpadne z podielu zo zisku.<\/strong> Jednotliv\u00e9 banky maj\u00fa rozdielnu metodiku a akceptuj\u00fa pr\u00edjem aj v z\u00e1vislosti od toho, v akom segmente ako dlho podnik\u00e1te a ak\u00fd obrat dosahujete. Aj v z\u00e1vislosti od t\u00fdchto parametrov \u017eivnostn\u00edkom uznaj\u00fa <strong>od 10 a\u017e do 70 % z obratov<\/strong>,\u201d <\/em>upres\u0148uje&nbsp;Eva \u0160ablov\u00e1.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\">Pre\u010do s\u00fa podnikatelia pre banku rizikovej\u0161\u00ed<\/span><\/h3>\n\n\n\n<ul>\n<li>Banky dlhodobo posudzuj\u00fa podnikate\u013eov pr\u00edsnej\u0161ie.<\/li>\n\n\n\n<li>Cie\u013eom banky je <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">poskytn\u00fa\u0165 \u00faver,<\/a> ktor\u00fd klient dok\u00e1\u017ee <strong>bezprobl\u00e9movo spl\u00e1ca\u0165.<\/strong><\/li>\n\n\n\n<li>Pr\u00edjmy \u017eivnostn\u00edkov v\u0161ak <strong>m\u00f4\u017eu kol\u00edsa\u0165<\/strong> v z\u00e1vislosti od toho, ako sa im dar\u00ed.<\/li>\n\n\n\n<li>Podnikatelia na rozdiel od zamestnancov maj\u00fa mo\u017enos\u0165 ovplyvni\u0165 svoj ofici\u00e1lny pr\u00edjem.<\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\">Da\u0148ov\u00e1 optimaliz\u00e1cia m\u00f4\u017ee pri\u0161krti\u0165 va\u0161e \u00faverov\u00e9 mo\u017enosti<\/span><\/h3>\n\n\n\n<p>Preto ak podnik\u00e1te, mali by ste si <strong>vopred preveri\u0165<\/strong>, ak\u00fdm sp\u00f4sobom v\u00e1m banka m\u00f4\u017ee uzna\u0165 pr\u00edjem pod\u013ea predpokladan\u00fdch tr\u017eieb \u010di zisku po zdanen\u00ed.<\/p>\n\n\n\n<p><em>\u201eV niektor\u00fdch pr\u00edpadoch o v\u00fd\u0161ke uznan\u00e9ho pr\u00edjmu rozhoduje aj to, <strong>\u010di si uplatn\u00edte pau\u0161\u00e1lne <\/strong>alebo <strong>skuto\u010dn\u00e9 v\u00fddavky<\/strong>. M\u00f4\u017ee sa toti\u017e sta\u0165, \u017ee pokia\u013e <strong>optimalizujete svoje da\u0148ov\u00e9 priznanie<\/strong> tak, aby ste platili \u010do najni\u017e\u0161ie dane, v niektor\u00fdch bank\u00e1ch si m\u00f4\u017eete zahata\u0165 cestu k \u00faveru,\u201d<\/em> upozor\u0148uje odborn\u00ed\u010dka.<\/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><span style=\"color: #ec8124;\">Na \u010do e\u0161te da\u0165 pozor<\/span><\/h2>\n\n\n\n<p>Banky si preveria aj to, \u010di va\u0161e&nbsp;<strong>podnikanie aktu\u00e1lne trv\u00e1<\/strong> a \u010di nem\u00e1te pozastaven\u00fd pr\u00edjem z podnikania. Preto si p\u00fdtaj\u00fa aj aktu\u00e1lne v\u00fdpisy z \u00fa\u010dtu s kreditn\u00fdm obratom. Z\u00e1rove\u0148 plat\u00ed, \u017ee:<\/p>\n\n\n\n<ul>\n<li>\u017eivnostn\u00edk \u0161tandardne nem\u00f4\u017ee vykazova\u0165 stratu z podnikania<\/li>\n\n\n\n<li>nem\u00f4\u017ee ma\u0165 pozastaven\u00fa alebo u\u017e ukon\u010den\u00fa \u017eivnos\u0165<\/li>\n\n\n\n<li>nem\u00f4\u017ee ma\u0165 podl\u017enosti vo\u010di \u0161t\u00e1tnym in\u0161tit\u00faci\u00e1m (napr\u00edklad v Soci\u00e1lnej a zdravotnej pois\u0165ovni alebo nedoplatky vo\u010di da\u0148ov\u00e9mu \u00faradu)<\/li>\n<\/ul>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Ak pl\u00e1nujete rie\u0161i\u0165 b\u00fdvanie a podnik\u00e1te, pora\u010fte sa s na\u0161imi <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>sprostredkovate\u013emi z FinGO.sk.<\/strong><\/a> Porad\u00edme v\u00e1m, ako jednotliv\u00e9 banky posudzuj\u00fa r\u00f4zne typy pr\u00edjmov z podnikania, \u010do v\u0161etko do pr\u00edjmov zah\u0155\u0148aj\u00fa a v akej miere. Va\u0161a cesta k<a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\" target=\"_blank\" rel=\"noreferrer noopener\"> hypot\u00e9ke<\/a> tak m\u00f4\u017ee by\u0165 ove\u013ea jednoduch\u0161ia.<\/p>\n\n\n\n<p>Zavolajte n\u00e1m do FinGO.sk na&nbsp;<a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a>&nbsp;alebo n\u00e1m&nbsp;<strong>zanechajte va\u0161e kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm finan\u010dn\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/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\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Podnik\u00e1te a uva\u017eujete o \u00favere na b\u00fdvanie? Ak ste \u017eivnostn\u00edk alebo m\u00e1te firmu, myslite na to, \u017ee aj va\u0161a schopnos\u0165 zdokladova\u0165 pr\u00edjem ovplyv\u0148uje \u0161ancu na z\u00edskanie hypot\u00e9ky. Banky toti\u017e pri posudzovan\u00ed \u017eiadosti o \u00faver sk\u00famaj\u00fa da\u0148ov\u00e9 priznanie a \u00fa\u010dtovn\u00e9 v\u00fdkazy, pri\u010dom ka\u017ed\u00e1 m\u00e1 vlastn\u00e9 krit\u00e9ri\u00e1 na akceptovanie pr\u00edjmov. Hypot\u00e9ka pre \u017eivnostn\u00edkov sa v jednotliv\u00fdch bank\u00e1ch m\u00f4\u017ee riadi\u0165 odli\u0161n\u00fdmi pravidlami. Na \u010do \u010fal\u0161ie by ste si mali da\u0165 pozor?&nbsp; V \u010dl\u00e1nku sa do\u010d\u00edtate: \u017diadate\u013eov o hypot\u00e9ku, ktor\u00ed v banke dokladuj\u00fa pr\u00edjem z podnikania, v posledn\u00fdch rokoch prib\u00fada. Vlani nar\u00e1stol aj po\u010det \u017eivnostn\u00edkov, ktor\u00ed sa cez online porovn\u00e1va\u010de zauj\u00edmali o mo\u017enos\u0165 z\u00edska\u0165 hypot\u00e9ku alebo chceli refinancova\u0165 svoje existuj\u00face \u00favery. Slov\u00e1ci sa vo zv\u00fd\u0161enej miere zauj\u00edmaj\u00fa&nbsp;o finan\u010dn\u00e9 produkty na dia\u013eku, z pohodlia svojho domova. Hypot\u00e9ka pre \u017eivnostn\u00edkov a majite\u013eov s.r.o&nbsp; Ak o hypot\u00e9ku \u017eiadate ako podnikate\u013e &#8211; \u010di ste \u017eivnostn\u00edk alebo majite\u013e s.r.o-\u010dky, va\u0161a cesta k \u00faveru m\u00f4\u017ee by\u0165&nbsp;v porovnan\u00ed so zamestnancom o nie\u010do zlo\u017eitej\u0161ia. Ovplyv\u0148uje to viac faktorov. \u201eRozhoduje d\u013a\u017eka podnikania, druh podnikate\u013eskej \u010dinnosti ako aj v\u00fd\u0161ka akceptovan\u00e9ho pr\u00edjmu. Niektor\u00e9 banky podnikate\u013eovi nemusia schv\u00e1li\u0165 hypot\u00e9ku v\u00f4bec, in\u00e9 v\u00e1m akceptuj\u00fa ni\u017e\u0161\u00ed pr\u00edjem, \u010fal\u0161ie obmedzia maxim\u00e1lnu v\u00fd\u0161ku \u00faveru,&#8220; opisuje odborn\u00ed\u010dka Eva \u0160ablov\u00e1. Rozdiel v schv\u00e1lenej v\u00fd\u0161ke \u00faveru m\u00f4\u017ee by\u0165 diametr\u00e1lne odli\u0161n\u00fd. M\u00f4\u017eu to by\u0165 [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":5123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73],"tags":[22,198,63,154],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka pre podnikate\u013eov v roku 2026: Ako ju z\u00edska\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9ka pre \u017eivnostn\u00edkov je v porovnan\u00ed so zamestnancami o nie\u010do zlo\u017eitej\u0161ia. 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