{"id":3581,"date":"2021-05-31T08:10:56","date_gmt":"2021-05-31T06:10:56","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3581"},"modified":"2024-03-25T20:35:25","modified_gmt":"2024-03-25T19:35:25","slug":"ako-vybavit-znalecky-posudok-domu-ci-bytu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/","title":{"rendered":"Ako vybavi\u0165 znaleck\u00fd posudok domu \u010di bytu"},"content":{"rendered":"\n<p><b>Znaleck\u00fd posudok je jedn\u00fdm z k\u013e\u00fa\u010dov\u00fdch dokumentov pri vybavovan\u00ed hypot\u00e9ky. Ur\u010duje hodnotu nehnute\u013enosti, ktorou budete ru\u010di\u0165 za poskytnutie \u00faveru a preto ovplyv\u0148uje aj to, ak\u00fd vysok\u00fd \u00faver v\u00e1m banka m\u00f4\u017ee schv\u00e1li\u0165. \u010co v\u0161etko obsahuje znaleck\u00fd posudok a ako si ho vybav\u00edte?<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Bez ohodnotenia nehnute\u013enosti v\u00e1m <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">banka hypot\u00e9ku<\/a> ned\u00e1. Nehnute\u013enos\u0165 toti\u017e zaklad\u00e1te ako z\u00e1pezpeku \u00faveru, preto banku zauj\u00edma, <\/span><b>akou hodnotou<\/b><span style=\"font-weight: 400;\"> sa zaru\u010d\u00edte za bal\u00edk pe\u0148az\u00ed, ktor\u00e9 v\u00e1m po\u017ei\u010dia. Ofici\u00e1lnu hodnotu nehnute\u013enosti ur\u010d\u00ed pr\u00e1ve <\/span><b>odborn\u00fd znaleck\u00fd posudok. <\/b><span style=\"font-weight: 400;\">Mnoh\u00ed \u013eudia si m\u00fdlia hodnotu nehnute\u013enosti s k\u00fapnou cenou, ale pozor, nie je to to ist\u00e9.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Ak kupujete <strong>byt za cenu 120 000 \u20ac<\/strong>, ale znalec ho ohodnot\u00ed len na <strong>100 000 \u20ac<\/strong>, banka v\u00e1m m\u00f4\u017ee poskytn\u00fa\u0165 \u00faver maxim\u00e1lne <strong>do 80 000 \u20ac<\/strong> (teda 80 % z hodnoty bytu 100-tis\u00edc \u20ac a nie 80 % z ceny bytu 120-tis\u00edc, \u010do by bolo 96-tis\u00edc \u20ac). Plat\u00ed to aj opa\u010dne. Ak bude hodnota k\u00fapnej ceny ni\u017e\u0161ia ako hodnota v znaleckom posudku, v\u00e4\u010d\u0161inou banky uznaj\u00fa t\u00fa ni\u017e\u0161iu z t\u00fdchto dvoch s\u00fam.<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Pri hypot\u00e9ke na k\u00fapu bytu alebo domu klienti v\u00e4\u010d\u0161inou dokladuj\u00fa znaleck\u00fd posudok ku kupovanej nehnute\u013enosti. Ale niekedy m\u00f4\u017ee \u00eds\u0165 aj o posudok inej nehnute\u013enosti, ktorou chcete banke ru\u010di\u0165 za \u00faver, napr\u00edklad m\u00f4\u017ee \u00eds\u0165 o byt \u010di dom rodi\u010dov, ktor\u00fd m\u00e1 vy\u0161\u0161iu hodnotu.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Posudok potrebujete aj pri refinancovan\u00ed<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Znaleck\u00fd posudok potrebujete nielen pri hypot\u00e9ke na k\u00fapu nehnute\u013enosti, ale <strong><a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">aj pri refinancovan\u00ed<\/a> alebo konsolid\u00e1cii<\/strong> star\u0161\u00edch \u00faverov. Keby ste ich sp\u00e1jali do jedn\u00e9ho \u00faveru na b\u00fdvanie, hodnota nehnute\u013enosti by v tom pr\u00edpade musela pokry\u0165 v\u0161etky sp\u00e1jan\u00e9 \u00favery dokopy.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Pr\u00e1ve pri refinancovan\u00ed alebo konsolid\u00e1cii m\u00f4\u017eete vyu\u017ei\u0165 <strong>p\u00f4vodn\u00fd znaleck\u00fd posudok<\/strong>, ak ho m\u00e1te k dispoz\u00edcii z obdobia, ke\u010f ste vybavovali prv\u00fa hypot\u00e9ku. Samozrejme, z\u00e1vis\u00ed to aj od toho, \u010di je v posudku byt \u010di dom ohodnoten\u00fd na dostato\u010dn\u00fa sumu vzh\u013eadom k zostatku \u00faveru alebo viacer\u00fdch \u00faverov, ktor\u00e9 refinancujete.&nbsp;<\/span><\/p>\n\n\n\n<p>V niektor\u00fdch bank\u00e1ch m\u00f4\u017eete vyu\u017ei\u0165 aj in\u00fa formu ohodnotenia ako znaleck\u00fd posudok, a to<strong> intern\u00e9 ocenenie bankou<\/strong>.\u00a0To m\u00f4\u017ee by\u0165 vo forme cenov\u00fdch m\u00e1p, ktor\u00e9 maj\u00fa banky pre niektor\u00e9 typy \u00fa\u010delov nastaven\u00e9 na byty obvykle aspo\u0148 v okresn\u00fdch mest\u00e1ch. Druhou mo\u017enos\u0165ou je, \u017ee v\u00e1m znalec banky uzn\u00e1 <strong>p\u00f4vodn\u00fd znaleck\u00fd posudok spolu s dolo\u017een\u00edm aktu\u00e1lnych fotiek<\/strong> nehnute\u013enosti. V\u00e4\u010d\u0161inou sa v\u0161ak star\u0161ie ohodnotenie m\u00f4\u017ee pou\u017ei\u0165 len pri refinancovan\u00ed \u00faveru.\u00a0U\u0161etr\u00edte tak peniaze a \u010das potrebn\u00fd na vypracovanie znaleck\u00e9ho posudku.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako vybra\u0165 spr\u00e1vneho znalca<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak potrebujete znaleck\u00fd posudok, vypracuje v\u00e1m ho <strong>s\u00fadny znalec <\/strong><\/span><strong>v odbore <\/strong><span style=\"font-weight: 400;\"><strong>Stavebn\u00edctvo<\/strong>, odvetvie<\/span> <span style=\"font-weight: 400;\">Odhad hodnoty nehnute\u013enost\u00ed, ktor\u00fd je evidovan\u00fd v zozname znalcov registrovan\u00fdch Ministerstvom spravodlivosti SR. <\/span><span style=\"font-weight: 400;\">Znalca si m\u00f4\u017eete vybra\u0165 sami.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Zazmluvnen\u00fd znalec banky vs. extern\u00fd znalec&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Niektor\u00e9 banky pon\u00fakaj\u00fa mo\u017enos\u0165 vybavi\u0165 znaleck\u00fd posudok prostredn\u00edctvom <\/span><b>zazmluvnen\u00fdch znalcov<\/b><span style=\"font-weight: 400;\"> banky, ktor\u00ed spracuj\u00fa znaleck\u00fd posudok iba v elektronickej podobe a priamo ho zasielaj\u00fa danej banke. <\/span><b>Ur\u00fdchli sa <\/b>tak ocenenie<span style=\"font-weight: 400;\"> va\u0161ej nehnute\u013enosti v banke, ktor\u00e1 tak\u00fdto posudok obvykle akceptuje bez \u010fal\u0161\u00edch \u00faprav.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Naopak, <\/span><b>v\u00fdhodou extern\u00e9ho znalca<\/b><span style=\"font-weight: 400;\"> je, \u017ee jeho posudok m\u00f4\u017eete pou\u017ei\u0165 vo viacer\u00fdch bank\u00e1ch a za rovnak\u00fa cenu m\u00e1te k dispoz\u00edcii v\u0161etk\u00fdmi bankami akceptovan\u00e9 ohodnotenie.<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pozor!<\/span> <\/b><span style=\"font-weight: 400;\">V niektor\u00fdch pr\u00edpadoch treba po\u010d\u00edta\u0165 s t\u00fdm, \u017ee <\/span>banka m\u00f4\u017ee hodnotu nehnute\u013enosti e\u0161te<b> upravi\u0165 a zn\u00ed\u017ei\u0165<\/b><span style=\"font-weight: 400;\"> po vlastnej superv\u00edzii znaleck\u00e9ho posudku.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Netreba sa spolieha\u0165 na to, \u017ee sa vysok\u00e1 trhov\u00e1 cena, za ktor\u00fa s\u00fa dnes \u013eudia ochotn\u00ed kupova\u0165 nehnute\u013enosti (lebo ich je nedostatok) prejav\u00ed aj v hodnote v znaleckom posudku.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Banky navy\u0161e zva\u017euj\u00fa aj <\/span><b>rizikovos\u0165 obchodu<\/b><span style=\"font-weight: 400;\"> ako tak\u00e9ho. Niekedy je napr\u00edklad nad\u0161tandardn\u00e1 lukrat\u00edvna nehnute\u013enos\u0165 pre banku ove\u013ea rizikovej\u0161ia. Obvykle m\u00e1 toti\u017e v\u00fdrazne men\u0161\u00ed okruh z\u00e1ujemcov v pr\u00edpade, ak by sa \u00faver nespl\u00e1cal a banka by musela prist\u00fapi\u0165 k dra\u017ebe zalo\u017eenej nehnute\u013enosti, \u010d\u00edm by sa splatil zostatok dlhu.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Aby dlh v pomere k hodnote nehnute\u013enosti zostal zachovan\u00fd, banka rad\u0161ej zn\u00ed\u017ei hodnotu na pre \u0148u prijate\u013en\u00fa cenu a z nej vypo\u010d\u00edta maxim\u00e1lnu mo\u017en\u00fa v\u00fd\u0161ku \u00faveru.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Vzh\u013eadom na aktu\u00e1lnu situ\u00e1ciu na realitnom trhu a ve\u013ek\u00fd z\u00e1ujem o nehnute\u013enosti treba po\u010d\u00edta\u0165 s t\u00fdm, \u017ee v\u00e4\u010d\u0161ina znalcov je vy\u0165a\u017een\u00e1 a na obhliadku nehnute\u013enosti a vypracovanie znaleck\u00e9ho posudku si pravdepodobne p\u00e1r dn\u00ed po\u010dk\u00e1te.<\/span><br><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ke\u010f vyber\u00e1te znalca:<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">op\u00fdtajte sa na jeho \u010dasov\u00e9 mo\u017enosti, kedy m\u00f4\u017ee pr\u00eds\u0165 na obhliadku nehnute\u013enosti<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pod\u013ea rozlohy bytu\/domu zistite aspo\u0148 orienta\u010dn\u00fa cenu, za ktor\u00fa posudok vypracuje<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">op\u00fdtajte sa aj na to, \u010di spolupracuje s danou bankou alebo nie<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Znalci sa pri ur\u010dovan\u00ed hodnoty nehnute\u013enosti riadia metodikou zo z\u00e1kona a maj\u00fa ist\u00e9 mantinely, v ktor\u00fdch sa m\u00f4\u017eu pohybova\u0165. Ak sa stane, \u017ee by znalec va\u0161u nehnute\u013enos\u0165 neprimerane nadhodnotil, banka jeho hodnotu v posudku vo fin\u00e1le nemus\u00ed akceptova\u0165. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Banky maj\u00fa svojich vlastn\u00fdch <strong>superv\u00edzorov<\/strong>, ktor\u00ed maj\u00fa kone\u010dn\u00e9 slovo v tom, ak\u00fa uznaj\u00fa cenu nehnute\u013enosti.&nbsp;&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak neviete, kde h\u013eada\u0165 zoznam znalcov, op\u00fdtajte sa v\u00e1\u0161ho <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00e9ho makl\u00e9ra<\/a> alebo v\u00e1m znalca m\u00f4\u017ee odporu\u010di\u0165 aj pracovn\u00edk banky. Pr\u00edpadne sa poinformujte medzi zn\u00e1mymi, ktor\u00ed ned\u00e1vno rie\u0161ili hypot\u00e9ku a boli so znalcom spokojn\u00ed.&nbsp;<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1730\" height=\"1155\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka.jpg\" alt=\"mlad\u00fd p\u00e1r v novom dome\" class=\"wp-image-3263\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka.jpg 1730w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka-768x513.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka-1024x684.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/03\/\u017eivnostn\u00edk-a-hypot\u00e9ka-1080x721.jpg 1080w\" sizes=\"(max-width: 1730px) 100vw, 1730px\" \/><\/figure><\/div>\n\n\n<h2><span style=\"color: #ec8124;\"><b>Na z\u00e1klade \u010doho postupuje znalec pri ur\u010dovan\u00ed ceny<\/b><b>&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri vypracovan\u00ed posudku sa znalec riadi presnou metodikou, ktor\u00fa mu <strong>ur\u010duje vyhl\u00e1\u0161ka<\/strong>. Pre ilustr\u00e1ciu uv\u00e1dzame z\u00e1kladn\u00e9 \u00fadaje, ktor\u00e9 znalec v posudku opisuje a pri ur\u010dovan\u00ed hodnoty berie do \u00favahy.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ur\u010dovanie ceny bytu<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">posudok obsahuje situovanie bytov\u00e9ho domu v r\u00e1mci mesta\/obce, napojenie na in\u017einierske siete, po\u010det podla\u017e\u00ed v dome, polohu bytu v dome<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">podrobn\u00fd popis vybavenia bytu &#8211; aktu\u00e1lny technick\u00fd stav, stavebn\u00e9 \u00fapravy, druh bytov\u00e9ho jadra, povrchy stien, podl\u00e1h, obklady a pod.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">druh dver\u00ed, okien, vybavenie kuchyne, k\u00fape\u013ene, WC, druh vykurovania&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v\u00fdpo\u010det celkovej plochy bytu a plochy jednotliv\u00fdch miestnost\u00ed, ktor\u00e9 znalec vypo\u010d\u00edta z nameran\u00fdch rozmerov<\/span><\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ur\u010dovanie ceny domu<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">znalec ohodnot\u00ed v\u0161etky \u010dasti nehnute\u013enosti &#8211; teda okrem samotn\u00e9ho domu ako hlavnej stavby aj ved\u013eaj\u0161ie stavby, gar\u00e1\u017e, plot, stud\u0148u, pozemok a podobne<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">situovanie a pr\u00edstup k domu, sp\u00f4sob napojenia na in\u017einierske siete<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v\u00fdpo\u010det zastavanej plochy ka\u017ed\u00e9ho podla\u017eia, obstavan\u00e9ho priestoru, koeficient vybavenosti objektu ako aj v\u00fdpo\u010det rozostavanosti<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">prilo\u017e\u00ed aj p\u00f4dorysy podla\u017e\u00ed ohodnocovan\u00fdch objektov, schematick\u00fd n\u00e1\u010drt situ\u00e1cie (objekty, siete, \u2026)<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co obsahuje znaleck\u00fd posudok<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Znaleck\u00fd posudok m\u00e1 v\u00e4\u010d\u0161inou tieto \u010dasti:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">titulok a \u00favod<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">doklad o veku stavby (pri bytoch v\u00e4\u010d\u0161inou doklad od bytov\u00e9ho dru\u017estva, pri domoch to m\u00f4\u017ee by\u0165 aj stavebn\u00e9 povolenie, kolauda\u010dn\u00e9 rozhodnutie a pod.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">nadob\u00fadac\u00ed titul (napr\u00edklad k\u00fapna zmluva s\u00fa\u010dasn\u00e9ho majite\u013ea, od ktor\u00e9ho nehnute\u013enos\u0165 kupujete)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">list vlastn\u00edctva a katastr\u00e1lna mapa<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">samotn\u00fd posudok<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">n\u00e1kres &#8211; p\u00f4dorys nehnute\u013enosti s vyzna\u010den\u00edm nameran\u00fdch rozmerov<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">farebn\u00e9 fotografie v\u0161etk\u00fdch ohodnocovan\u00fdch objektov, exteri\u00e9ru aj interi\u00e9ru&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">z\u00e1ver<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pr\u00edpadn\u00e9 \u010fal\u0161ie pr\u00edlohy<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">znaleck\u00e1 dolo\u017eka a kontakt na znalca<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Znaleck\u00fd posudok v\u00e4\u010d\u0161inou predklad\u00e1te banke <\/span><b>na CD <\/b><span style=\"font-weight: 400;\">aj so v\u0161etk\u00fdmi jeho <\/span><b>povinn\u00fdmi pr\u00edlohami<\/b><span style=\"font-weight: 400;\"> ako je doklad o veku stavby, p\u00f4dorys alebo projektov\u00e1 dokument\u00e1cia. Ak by ste \u017eiadali o hypot\u00e9ku na stavbu domu, v tom pr\u00edpade budete potrebova\u0165 znaleck\u00fd posudok k pozemku a nesk\u00f4r znaleck\u00fd posudok na bud\u00facu hodnotu nehnute\u013enosti.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co so znaleck\u00fdm posudkom<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako sme u\u017e spomenuli vy\u0161\u0161ie, znaleck\u00fd posudok ur\u010duje hodnotu nehnute\u013enosti, ktor\u00fa zalo\u017e\u00edte v prospech banky. T\u00e1to <strong>hodnota rozhoduje<\/strong> o tom, ak\u00fa v\u00fd\u0161ku \u00faveru v\u00e1m banka poskytne. V s\u00fa\u010dasnosti banky poskytuj\u00fa hypot\u00e9ky <strong>do 80 % <\/strong><\/span><strong><a href=\"https:\/\/www.fingopedia.sk\/co-je-ltv-u-hypoteky\/\">LTV<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> To znamen\u00e1, \u017ee v\u00fd\u0161ka hypotek\u00e1rneho \u00faveru m\u00f4\u017ee pokry\u0165 maxim\u00e1lne 80 % z hodnoty nehnute\u013enosti, ktor\u00e1 vych\u00e1dza zo znaleck\u00e9ho posudku, pr\u00edpadne k\u00fapnej ceny ako spom\u00edname v \u00favode<\/span><\/p>\n\n\n\n<p><b>Pozor! <\/b><span style=\"font-weight: 400;\">Banka nemus\u00ed hodnotu zo znaleck\u00e9ho posudku akceptova\u0165 v plnej v\u00fd\u0161ke. Hodnota nehnute\u013enosti sa v\u017edy ur\u010duje ako <\/span><b>najni\u017e\u0161ia z hodn\u00f4t <\/b><span style=\"font-weight: 400;\">\u2013 znaleck\u00fd posudok, intern\u00e9 ohodnotenie a k\u00fapna cena. <\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Tak\u017ee k<\/span><span style=\"font-weight: 400;\">eby ste si vyjednali ni\u017e\u0161iu k\u00fapnu cenu ako je znaleck\u00e1 hodnota, banka bude po\u010d\u00edta\u0165 LTV <strong>v\u017edy z ni\u017e\u0161ej<\/strong> z t\u00fdchto hodn\u00f4t. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rovnako sa m\u00f4\u017ee sta\u0165, \u017ee hodnotu m\u00f4\u017ee <strong>pon\u00ed\u017ei\u0165 aj bankov\u00fd znalec<\/strong> pri superv\u00edzii, teda pri prehodnoten\u00ed extern\u00e9ho posudku. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V takom pr\u00edpade op\u00e4\u0165 banka vych\u00e1dza <strong>zo zn\u00ed\u017eenej znaleckej hodnoty<\/strong> nehnute\u013enosti.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Znaleck\u00fd posudok je platn\u00fd k d\u00e1tumu jeho vyhotovenia. Pri novom \u00favere banka v\u00e4\u010d\u0161inou vy\u017eaduje, aby posudok <\/span><b>nebol <\/b>star\u0161\u00ed ako 1 rok.<span style=\"font-weight: 400;\"> Pri refinancovan\u00ed to m\u00f4\u017ee by\u0165 dlh\u0161ie obdobie, v niektor\u00fdch bank\u00e1ch m\u00f4\u017ee by\u0165 posudok star\u00fd aj 3 alebo 5 rokov, dokonca aj dlh\u0161ie.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Cena znaleck\u00e9ho posudku<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Za posudok<\/span><b> bytu<\/b><span style=\"font-weight: 400;\"> m\u00f4\u017eete zaplati\u0165 zhruba od<\/span><b> 150 do 200 eur<\/b><span style=\"font-weight: 400;\">. Pri rodinn\u00fdch <\/span><b>domoch&nbsp;<\/b><span style=\"font-weight: 400;\">znalec oce\u0148uje aj v\u0161etky \u010dasti nehnute\u013enost\u00ed, vr\u00e1tane ved\u013eaj\u0161\u00edch stavieb, preto je to o nie\u010do zlo\u017eitej\u0161ie a posudok je aj drah\u0161\u00ed &#8211; cena sa pohybuje pribli\u017ene <\/span><b>od 200 do 400 eur.&nbsp;<\/b><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1690\" height=\"1183\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2.jpg\" alt=\"peniaze v ruke\" class=\"wp-image-1897\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2.jpg 1690w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2-300x210.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2-768x538.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2-1024x717.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/01\/peniaze_2-1080x756.jpg 1080w\" sizes=\"(max-width: 1690px) 100vw, 1690px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Fin\u00e1lna cena posudku sa odv\u00edja hlavne <strong>od ve\u013ekosti<\/strong> nehnute\u013enosti, ale aj <strong>od lokality<\/strong>, resp. regi\u00f3nu. O nie\u010do drah\u0161\u00ed m\u00f4\u017ee by\u0165 posudok ak je nehnute\u013enos\u0165 v nie\u010dom \u0161pecifick\u00e1 \u010di komplikovan\u00e1, znalec mus\u00ed doh\u013ead\u00e1va\u0165 \u010fal\u0161ie dokumenty a podobne.&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Niektor\u00e9 banky v\u00e1m poplatok za znaleck\u00fd posudok vedia preplati\u0165 vr\u00e1mci svojich kampan\u00ed.&nbsp;&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Poplatok za znaleck\u00fd posudok uhrad\u00edte znalcovi pri jeho prevzat\u00ed. Znalec v\u00e1m v\u00e4\u010d\u0161inou vyhotov\u00ed <strong>dve k\u00f3pie<\/strong> (jednu pre banku, druh\u00fa pre v\u00e1s) a posudok nahr\u00e1 aj <strong>na CD alebo USB k\u013e\u00fa\u010d<\/strong>, ktor\u00e9 odovzd\u00e1te banke.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ak posudok vykon\u00e1va banka<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Niektor\u00e9 banky pou\u017e\u00edvaj\u00fa aj <strong>tzv. cenov\u00e9 mapy<\/strong>. To znamen\u00e1, \u017ee interne ocenia nehnute\u013enos\u0165 a za tento \u00fakon banke neplat\u00edte. \u201cTabu\u013ekov\u00e9 ceny\u201d nehnute\u013enost\u00ed s\u00fa v\u0161ak <strong>v\u00fdrazne ni\u017e\u0161ie<\/strong>, lebo zoh\u013ead\u0148uj\u00fa len technick\u00fa cenu bytu vzh\u013eadom na jeho ve\u013ekos\u0165, stav \u010di lokalitu. Ale v \u0161tandardnom znaleckom posudku vie znalec zoh\u013eadni\u0165 aj v\u00fdvoj a rast cien na realitnom trhu, \u010do m\u00f4\u017ee hodnotu nehnute\u013enosti zv\u00fd\u0161i\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak by ste kupovali byt <strong>v developerskom projekte<\/strong>, v tomto pr\u00edpade s\u00fa ceny bytov interne nastaven\u00e9 bankou po dohode s developerom. V\u00fdhodou je, \u017ee nemus\u00edte da\u0165 robi\u0165 znaleck\u00fd posudok a t\u00fdm p\u00e1dom nem\u00ed\u0148ate peniaze navy\u0161e.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako dlho trv\u00e1 vypracovanie znaleck\u00e9ho posudku nehnute\u013enosti<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Vypracovanie znaleck\u00e9ho posudku <\/span><b>na byt<\/b><span style=\"font-weight: 400;\"> je o nie\u010do jednoduch\u0161ie a r\u00fdchlej\u0161ie. Vo v\u00e4\u010d\u0161ine pr\u00edpadov v\u00e1m ho znalec vypracuje <\/span><b>do p\u00e1r dn\u00ed<\/b><span style=\"font-weight: 400;\">, najnesk\u00f4r do t\u00fd\u017ed\u0148a. Pri <\/span><b>domoch<\/b><span style=\"font-weight: 400;\"> to m\u00f4\u017ee by\u0165 zlo\u017eitej\u0161ie, preto m\u00f4\u017eete r\u00e1ta\u0165 aj<\/span><b> s dvojt\u00fd\u017ed\u0148ovou lehotou.<\/b><span style=\"font-weight: 400;\"> Je to v\u0161ak ve\u013emi individu\u00e1lne a z\u00e1vis\u00ed to aj od \u0161pecif\u00edk ka\u017edej nehnute\u013enosti.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nielen so znaleck\u00fdm posudkom, ale napr\u00edklad aj s povinnos\u0165ami na katastri pri hypot\u00e9ke v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 aj fundovan\u00fd finan\u010dn\u00fd sprostredkovate\u013e. Na na\u0161ich makl\u00e9roch <a href=\"https:\/\/www.fingo.sk\/\">z FinGO.sk<\/a> klienti oce\u0148uj\u00fa ich <strong>komplexn\u00fa pomoc<\/strong>, preh\u013ead o celom trhu, <strong>objekt\u00edvne a nez\u00e1visl\u00e9<\/strong> <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">porovnanie b\u00e1nk<\/a>. Ve\u013emi d\u00f4le\u017eit\u00e9 je aj r\u00fdchle a jednoduch\u00e9 vybavenie \u00faveru \u201cbez starost\u00ed\u201d, ktor\u00e9 klientom <strong>u\u0161etr\u00ed mno\u017estvo \u010dasu.<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m do FinGO.sk na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a> alebo n\u00e1m zanechajte kontakt a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\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\/3581#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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Znaleck\u00fd posudok je jedn\u00fdm z k\u013e\u00fa\u010dov\u00fdch dokumentov pri vybavovan\u00ed hypot\u00e9ky. Ur\u010duje hodnotu nehnute\u013enosti, ktorou budete ru\u010di\u0165 za poskytnutie \u00faveru a preto ovplyv\u0148uje aj to, ak\u00fd vysok\u00fd \u00faver v\u00e1m banka m\u00f4\u017ee schv\u00e1li\u0165. \u010co v\u0161etko obsahuje znaleck\u00fd posudok a ako si ho vybav\u00edte? Bez ohodnotenia nehnute\u013enosti v\u00e1m banka hypot\u00e9ku ned\u00e1. Nehnute\u013enos\u0165 toti\u017e zaklad\u00e1te ako z\u00e1pezpeku \u00faveru, preto banku zauj\u00edma, akou hodnotou sa zaru\u010d\u00edte za bal\u00edk pe\u0148az\u00ed, ktor\u00e9 v\u00e1m po\u017ei\u010dia. Ofici\u00e1lnu hodnotu nehnute\u013enosti ur\u010d\u00ed pr\u00e1ve odborn\u00fd znaleck\u00fd posudok. Mnoh\u00ed \u013eudia si m\u00fdlia hodnotu nehnute\u013enosti s k\u00fapnou cenou, ale pozor, nie je to to ist\u00e9.&nbsp; Pr\u00edklad: Ak kupujete byt za cenu 120 000 \u20ac, ale znalec ho ohodnot\u00ed len na 100 000 \u20ac, banka v\u00e1m m\u00f4\u017ee poskytn\u00fa\u0165 \u00faver maxim\u00e1lne do 80 000 \u20ac (teda 80 % z hodnoty bytu 100-tis\u00edc \u20ac a nie 80 % z ceny bytu 120-tis\u00edc, \u010do by bolo 96-tis\u00edc \u20ac). Plat\u00ed to aj opa\u010dne. Ak bude hodnota k\u00fapnej ceny ni\u017e\u0161ia ako hodnota v znaleckom posudku, v\u00e4\u010d\u0161inou banky uznaj\u00fa t\u00fa ni\u017e\u0161iu z t\u00fdchto dvoch s\u00fam. Pri hypot\u00e9ke na k\u00fapu bytu alebo domu klienti v\u00e4\u010d\u0161inou dokladuj\u00fa znaleck\u00fd posudok ku kupovanej nehnute\u013enosti. Ale niekedy m\u00f4\u017ee \u00eds\u0165 aj o posudok inej nehnute\u013enosti, ktorou chcete banke ru\u010di\u0165 za \u00faver, napr\u00edklad m\u00f4\u017ee \u00eds\u0165 o byt \u010di [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73],"tags":[205,36,206],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako vybavi\u0165 znaleck\u00fd posudok domu \u010di bytu - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Znaleck\u00fd posudok domu \u010di bytu je k\u013e\u00fa\u010dov\u00fdm dokumentom pri vybavovan\u00ed hypot\u00e9ky. \u010co v\u0161etko obsahuje posudok a ako si vybra\u0165 znalca?\" \/>\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-vybavit-znalecky-posudok-domu-ci-bytu\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ako vybavi\u0165 znaleck\u00fd posudok domu \u010di bytu - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Znaleck\u00fd posudok domu \u010di bytu je k\u013e\u00fa\u010dov\u00fdm dokumentom pri vybavovan\u00ed hypot\u00e9ky. \u010co v\u0161etko obsahuje posudok a ako si vybra\u0165 znalca?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-31T06:10:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-25T19:35:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/znaleck\u00fd-posudok-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eva \u0160ablov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva \u0160ablov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Ako vybavi\u0165 znaleck\u00fd posudok domu \u010di bytu\",\"datePublished\":\"2021-05-31T06:10:56+00:00\",\"dateModified\":\"2024-03-25T19:35:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\"},\"wordCount\":2104,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"ako vybavi\u0165 hypot\u00e9ku\",\"Hypot\u00e9ka na byt\",\"znaleck\u00fd posudok nehnute\u013enosti\"],\"articleSection\":[\"Fingo rad\u00ed\",\"Hypot\u00e9ky\",\"Osobn\u00e9 financie\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/ako-vybavit-znalecky-posudok-domu-ci-bytu\/\",\"name\":\"Ako vybavi\u0165 znaleck\u00fd posudok domu \u010di bytu - 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