{"id":419,"date":"2022-04-27T10:51:00","date_gmt":"2022-04-27T08:51:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=419"},"modified":"2024-06-05T14:03:17","modified_gmt":"2024-06-05T12:03:17","slug":"hypoteka-na-stavbu-domu-ako-postupovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-na-stavbu-domu-ako-postupovat\/","title":{"rendered":"Hypot\u00e9ka na stavbu domu: Ako postupova\u0165?"},"content":{"rendered":"\n<p><b>T\u00fa\u017eite po vlastnom dom\u010deku, ktor\u00fd by bol presne pod\u013ea va\u0161ich predst\u00e1v, ale nem\u00e1te dostatok vlastn\u00fdch zdrojov na jeho financovanie? Dobr\u00e1 spr\u00e1va je, \u017ee hypot\u00e9ku m\u00f4\u017eete z\u00edska\u0165 nielen na k\u00fapu u\u017e hotovej nehnute\u013enosti, ale aj na v\u00fdstavbu v\u00e1\u0161ho vysn\u00edvan\u00e9ho domova. Ako sa v pr\u00edpade hypot\u00e9ky na stavbu domu postupuje?<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>V \u010dom je hypot\u00e9ka na stavbu domu in\u00e1<\/li>\n\n\n\n<li>\u010co v\u0161etko budete potrebova\u0165 k \u017eiadosti o \u00faver<\/li>\n\n\n\n<li>Ak\u00fd je rozdiel, ak m\u00e1te hol\u00fd pozemok alebo rozostavan\u00fd dom<\/li>\n\n\n\n<li>Ako prebieha postupn\u00e9 \u010derpanie \u00faveru po tran\u017eiach aj s pr\u00edkladmi<\/li>\n\n\n\n<li>Ak\u00fdm sp\u00f4sobom by ste vedeli z\u00edska\u0165 peniaze na stavbu r\u00fdchlej\u0161ie<\/li>\n\n\n\n<li>Ako si zabezpe\u010d\u00edte plynul\u00e9 financovanie v\u00fdstavby <a href=\"https:\/\/www.fingo.sk\/kontakty\">s FinGO.sk&nbsp;<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Je nieko\u013eko mo\u017en\u00fdch variantov, ako m\u00f4\u017eete <\/span>financova\u0165 v\u00fdstavbu nehnute\u013enosti<span style=\"font-weight: 400;\">. M\u00f4\u017ee \u00eds\u0165 o situ\u00e1ciu, ak <\/span><b>m\u00e1te len hol\u00fd pozemok, <\/b><span style=\"font-weight: 400;\">na ktorom ste e\u0161te neza\u010dali stava\u0165. Alebo u\u017e <\/span><b>m\u00e1te rozostavan\u00fd dom<\/b><span style=\"font-weight: 400;\"> a potrebujete peniaze na jeho dokon\u010denie. Porad\u00edme v\u00e1m, ako postupova\u0165 v oboch pr\u00edpadoch.&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">\u00darokov\u00e9 sadzby na hypot\u00e9kach postupne rast\u00fa, ale e\u0161te st\u00e1le si m\u00f4\u017eete zafixova\u0165 relat\u00edvne n\u00edzky \u00farok aj na ve\u013emi dlh\u00fa dobu, napr\u00edklad aj na 7 \u010di 10 rokov. V\u00fdhodn\u00fdm \u00faverom tak m\u00f4\u017eete kompenzova\u0165 s\u00fa\u010dasn\u00e9 zv\u00fd\u0161en\u00e9 n\u00e1klady na stavebn\u00e9 materi\u00e1ly a energie a z\u00e1rove\u0148 sa ochr\u00e1nite pred \u010fal\u0161\u00edm zdra\u017eovan\u00edm hypot\u00e9k v \u010fal\u0161\u00edch rokoch.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">E\u0161te <strong>viac u\u0161etr\u00edte<\/strong>, ak <\/span><span style=\"font-weight: 400;\">oslov\u00edte<\/span><span style=\"font-weight: 400;\">&nbsp;<a href=\"https:\/\/www.fingo.sk\/kontakty\">sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/a> Porad\u00ed v\u00e1m ako postupova\u0165, priprav\u00ed <strong>komplexn\u00e9 porovnanie<\/strong> hypot\u00e9k a upozorn\u00ed aj na<\/span><span style=\"font-weight: 400;\"> h\u00e1\u010diky, ktor\u00e9 by mohli v\u00e1\u0161 \u00faver predra\u017ei\u0165.<\/span> <span style=\"font-weight: 400;\">Zv\u00fd\u0161ite tak svoju \u0161ancu na hypot\u00e9ku pod\u013ea va\u0161ich predst\u00e1v.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Hypot\u00e9ka na stavbu domu<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Predpokladajme, \u017ee budete v banke ru\u010di\u0165 domom, ktor\u00fd chcete stava\u0165. <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">V\u00fd\u0161ka \u00faveru<\/a> sa bude posudzova\u0165 pod\u013ea <\/span><b>bud\u00facej hodnoty <\/b>tejto nehnute\u013enosti.<span style=\"font-weight: 400;\"> Peniaze z \u00faveru ne\u010derp\u00e1te jednorazovo ako pri k\u00fape hotov\u00e9ho bytu \u010di domu, ale <strong>postupne v tzv. tran\u017eiach.<\/strong> \u010cerpanie \u00faveru trv\u00e1 v\u00fdrazne dlh\u0161ie, m\u00f4\u017ee to by\u0165 aj <\/span><b>18 \u010di 24 mesiacov <\/b><span style=\"font-weight: 400;\">v z\u00e1vislosti od toho, ko\u013eko m\u00e1te vlastn\u00fdch finan\u010dn\u00fdch zdrojov, ako r\u00fdchlo postupuje v\u00fdstavba a v ktorom \u0161t\u00e1diu rozostavanosti domu za\u010dnete vybavova\u0165 hypot\u00e9ku.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Tak ako pri ka\u017edej hypot\u00e9ke aj tu plat\u00ed, \u017ee na financovan\u00ed b\u00fdvania by ste sa mali aspo\u0148 \u010diasto\u010dne podie\u013ea\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\">vlastn\u00fdmi \u00fasporami.<\/a> R\u00e1tajte s t\u00fdm, \u017ee banka v\u00e1m poskytne<\/span><b> maxim\u00e1lne 80 %<\/b><span style=\"font-weight: 400;\"> z bud\u00facej hodnoty nehnute\u013enosti. 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.<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V pr\u00edpade potreby m\u00f4\u017eete v banke \u017eiada\u0165 <strong>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;<\/span><\/p>\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=\"Fingo_hypo_ebook\" 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<h2><span style=\"color: #ec8124;\"><b>\u010co budete potrebova\u0165 k \u017eiadosti o \u00faver<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">K \u017eiadosti o hypot\u00e9ku na stavbu rodinn\u00e9ho domu budete potrebova\u0165 tieto doklady:<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ak m\u00e1te len hol\u00fd pozemok a e\u0161te ste neza\u010dali stava\u0165<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">znaleck\u00fd posudok k pozemku so v\u0161etk\u00fdmi povinn\u00fdmi pr\u00edlohami<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">stavebn\u00e9 povolenie k v\u00fdstavbe na pozemku<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">projektov\u00e1 dokument\u00e1cia bud\u00facej stavby &#8211; najm\u00e4 jej stavebn\u00e1 \u010das\u0165<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Najsk\u00f4r v\u00e1m v banke schv\u00e1lia \u00faver <strong>len do ur\u010ditej hodnoty pozemku<\/strong> &#8211; v z\u00e1vislosti od banky to m\u00f4\u017ee by\u0165 od<strong> 60 do 100 %<\/strong> z jeho hodnoty. Tieto peniaze pou\u017eijete na za\u010datie v\u00fdstavby, aby ste mohli zap\u00edsa\u0165 rozostavan\u00fa stavbu do katastra nehnute\u013enost\u00ed. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">\u010eal\u0161ie prostriedky v\u00e1m banka poskytne potom, ako jej preuk\u00e1\u017eete dostato\u010dn\u00fa rozostavanos\u0165 va\u0161ej stavby, teda na z\u00e1klade znaleck\u00e9ho posudku na bud\u00facu hodnotu nehnute\u013enosti. V tomto kroku obvykle u\u017e t\u00e1to stavba mus\u00ed by\u0165 zap\u00edsan\u00e1 aj na liste vlastn\u00edctva ako rozostavan\u00e1.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010ealej budete postupne \u010derpa\u0165 \u00faver na z\u00e1klade toho, ako budete banke preukazova\u0165 zhodnocovanie stavby. Obvykle ho dokladujete <strong>fotodokument\u00e1ciou<\/strong> stavby a s\u00fapisom <strong>realizovan\u00fdch pr\u00e1c.<\/strong><\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Na rozdiel od \u00faverov zabezpe\u010den\u00fdch nehnute\u013enos\u0165ou poskytovan\u00fdch stavebn\u00fdmi sporite\u013e\u0148ami, banky nepo\u017eaduj\u00fa dokladovanie blo\u010dkami a fakt\u00farami. Preto v banke \u013eah\u0161ie vydokladujete napr\u00edklad \u010diasto\u010dn\u00fa svojpomocn\u00fa v\u00fdstavbu.<\/span><\/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>Ak u\u017e m\u00e1te na pozemku rozostavan\u00fd dom, budete potrebova\u0165<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">znaleck\u00fd posudok s ocenen\u00edm pozemku spolu s rozostavanou stavbou, ktor\u00e9ho s\u00fa\u010das\u0165ou bude stavebn\u00e1 \u010das\u0165 projektovej dokument\u00e1cie stavby<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">stavebn\u00e9 povolenie&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">geometrick\u00fd pl\u00e1n, ktor\u00fdm bola stavba zameran\u00e1 na pozemku<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">V tomto pr\u00edpade v\u00e1m banka rovno schv\u00e1li \u00faver na bud\u00facu hodnotu nehnute\u013enosti a poskytne <strong>prv\u00fa tran\u017eu pod\u013ea aktu\u00e1lnej hodnoty <\/strong>nehnute\u013enosti (cena pozemku + hodnota rozostavanej stavby). \u010eal\u0161ie peniaze v\u00e1m banka uvo\u013en\u00ed po splnen\u00ed podmienok zmluvy &#8211; obvykle sta\u010d\u00ed, ak jej predlo\u017e\u00edte rozpo\u010det realizovan\u00fdch pr\u00e1c a fotodokument\u00e1ciu stavby.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Tipy, na \u010do d\u00e1va\u0165 pozor<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Aby ste mohli <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\">z\u00edska\u0165 hypot\u00e9ku<\/a> na dom, mus\u00edte sp\u013a\u0148a\u0165 aj \u010fal\u0161ie podmienky s\u00favisiace s pozemkom a stavbou.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak chcete stava\u0165 na pozemku a z\u00e1rove\u0148 n\u00edm chcete aj ru\u010di\u0165, mus\u00ed by\u0165 zabezpe\u010den\u00fd <\/span><b>pr\u00edstup k tomuto pozemku<\/b><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">M\u00f4\u017ee to by\u0165 pr\u00edstup z verejnej komunik\u00e1cie (obecn\u00e1 alebo \u0161t\u00e1tna cesta) alebo cez pozemok, ku ktor\u00e9mu m\u00e1te zriaden\u00e9 pr\u00e1vo prechodu a prejazdu, pr\u00edpadne ste spoluvlastn\u00edkom tohto pozemku.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Cesta k pozemku, na ktorom bude st\u00e1\u0165 dom, mus\u00ed by\u0165 <\/span><b>spevnen\u00e1.&nbsp;<\/b><\/li>\n\n\n\n<li><b>Aj stavba <\/b><span style=\"font-weight: 400;\">mus\u00ed by\u0165 v s\u00falade s predlo\u017een\u00fdm pr\u00e1voplatn\u00fdm stavebn\u00fdm povolen\u00edm.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pr\u00edpadn\u00fa zmenu alebo odch\u00fdlku od p\u00f4vodn\u00e9ho stavebn\u00e9ho pl\u00e1nu mus\u00edte ma\u0165 riadne zdokumentovan\u00fa a <\/span><b>povolen\u00fa stavebn\u00fdm \u00faradom.&nbsp;<\/b><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rovnako tak plat\u00ed, \u017ee ak ste u\u017e za\u010dali stava\u0165, banka bude preverova\u0165, \u010di je dostato\u010dn\u00fd <\/span><b>stupe\u0148 rozostavanosti<\/b><span style=\"font-weight: 400;\"> stavby.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dostato\u010dn\u00fa rozostavanos\u0165 overuj\u00fa pod\u013ea predlo\u017een\u00e9ho znaleck\u00e9ho posudku aj <\/span><b>znalci banky<\/b><span style=\"font-weight: 400;\">, ktor\u00ed ur\u010duj\u00fa definit\u00edvnu hodnotu stavby.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Podstatn\u00e9 je aj <\/span><b>spr\u00e1vne zos\u00faladenie <\/b><span style=\"font-weight: 400;\">pl\u00e1novan\u00fdch platieb dod\u00e1vate\u013eovi stavby. Pozor, aby sa v\u00e1m nestalo, \u017ee stavite\u013e bude po\u017eadova\u0165 vy\u0161\u0161iu sumu ako m\u00f4\u017eete aktu\u00e1lne \u010derpa\u0165 z \u00faveru a nebudete tak m\u00f4c\u0165 pokra\u010dova\u0165 vo v\u00fdstavbe.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Aj pre tak\u00e9to situ\u00e1cie je dobr\u00e9 ma\u0165 po ruke aspo\u0148 \u010das\u0165 <\/span><b>vlastn\u00fdch finan\u010dn\u00fdch zdrojov.&nbsp;<\/b><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Peniaze na za\u010diatok v\u00fdstavby si m\u00f4\u017eete aj po\u017ei\u010da\u0165 napr\u00edklad od rodiny a po do\u010derpan\u00ed cel\u00e9ho \u00faveru ich vr\u00e1ti\u0165.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=maxhypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/06\/FinGO.sk-v\u00fdpo\u010det-hypot\u00e9ky.gif\" alt=\"Fingo v\u00fdpo\u010det hypot\u00e9ky kalkula\u010dka\" class=\"wp-image-3903\"\/><\/a><\/figure>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Postupn\u00e9 \u010derpanie \u00faveru po tran\u017eiach<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Banka najsk\u00f4r schv\u00e1li <strong>v\u00fd\u0161ku \u00faveru<\/strong>, ktor\u00fa obvykle stanovuje pod\u013ea predpokladanej <strong>bud\u00facej hodnoty stavby<\/strong>. Stanov\u00ed ju znalec banky na z\u00e1klade znaleck\u00e9ho posudku, projektovej dokument\u00e1cie a pou\u017eit\u00fdch materi\u00e1lov. Fin\u00e1lnu bud\u00facu hodnotu stavby ovplyv\u0148uje samozrejme aj lokalita a ob\u010dianska vybavenos\u0165 v okol\u00ed. Naj\u010dastej\u0161ie vedia banky pri v\u00fdstavbe rodinn\u00fdch domov poskytn\u00fa\u0165 \u00faver <\/span><b>do 80 % bud\u00facej hodnoty stavby<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Schv\u00e1len\u00fd \u00faver v\u0161ak ne\u010derp\u00e1te naraz, lebo v \u010dase schv\u00e1lenia \u00faveru m\u00e1 banka k dispoz\u00edcii men\u0161ie zabezpe\u010denie ako je schv\u00e1len\u00e1 v\u00fd\u0161ka \u00faveru. Ka\u017ed\u00e1 banka m\u00e1 individu\u00e1lne nastaven\u00fd priebeh \u010derpania pe\u0148az\u00ed, ktor\u00e9 klienti <\/span><b>\u010derpaj\u00fa postupne v tzv. tran\u017eiach.<\/b><span style=\"font-weight: 400;\"> Vo v\u0161eobecnosti plat\u00ed tento postup:<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">1.<\/span> Prv\u00fa tran\u017eu<\/b><span style=\"font-weight: 400;\"> banka poskytne na z\u00e1klade ocenenia aktu\u00e1lnej hodnoty pozemku \u010di pozemku s rozostavanou stavbou, pokia\u013e ju u\u017e m\u00e1te. Banky obvykle poskytn\u00fa <\/span><b>50 &#8211; 90 % z tejto hodnoty<\/b><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">2.<\/span> Druh\u00fa a \u010fal\u0161iu tran\u017eu<\/b><span style=\"font-weight: 400;\"> m\u00f4\u017eete \u010derpa\u0165 vtedy, ak banke preuk\u00e1\u017eete, \u017ee ste z pe\u0148az\u00ed z predo\u0161l\u00e9ho \u010derpania<\/span><b> zhodnotili stavbu.<\/b><span style=\"font-weight: 400;\"> V\u00e4\u010d\u0161ine b\u00e1nk sta\u010d\u00ed, ak dolo\u017e\u00edte rozpo\u010det realizovan\u00fdch stavebn\u00fdch pr\u00e1c a aktu\u00e1lne fotografie stavby. Z\u00e1rove\u0148 by ste u\u017e mali ma\u0165 stavbu zap\u00edsan\u00fa ako rozostavan\u00fa <\/span><b>na liste vlastn\u00edctva<\/b><span style=\"font-weight: 400;\">, resp. by mal minim\u00e1lne prebieha\u0165 jej z\u00e1pis spolu so z\u00e1lo\u017en\u00fdmi zmluvami banky, ktor\u00fdmi sa zriadi \u0165archa na list vlastn\u00edctva.&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">V\u00fd\u0161ka druhej a ka\u017edej \u010fal\u0161ej tran\u017ee z\u00e1vis\u00ed od aktu\u00e1lnej hodnoty zabezpe\u010denia. Medzi bankami s\u00fa v sp\u00f4sobe \u010derpania <\/span><b>ve\u013ek\u00e9 rozdiely<\/b><span style=\"font-weight: 400;\">, niektor\u00e9 banky dok\u00e1\u017eu v tomto \u0161t\u00e1diu uvo\u013eni\u0165 aj vy\u0161\u0161iu sumu pe\u0148az\u00ed ako m\u00e1 stavba aktu\u00e1lnu hodnotu. Rovnako s\u00fa rozdiely v tom, na ko\u013eko \u010derpan\u00ed si m\u00f4\u017eete poskytnutie \u00faveru rozvrhn\u00fa\u0165. Obvykle s\u00fa to <\/span><b>3 a\u017e 6 \u010derpan\u00ed.<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Pri porovn\u00e1van\u00ed b\u00e1nk si preverte aj pr\u00edpadn\u00e9 <strong>poplatky za jednotliv\u00e9 \u010derpania.<\/strong> Niektor\u00e9 banky ich spoplat\u0148uj\u00fa, inde s\u00fa bezplatn\u00e9. <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">Sk\u00fasen\u00fd finan\u010dn\u00fd makl\u00e9r<\/a> tieto rozdiely pozn\u00e1 a porad\u00ed v\u00e1m.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">3.<\/span> Posledn\u00e9 \u010derpanie <\/b><span style=\"font-weight: 400;\">banky v\u00e4\u010d\u0161inou umo\u017enia vtedy, ak je stupe\u0148 rozostavanosti dostato\u010dn\u00fd. Niektor\u00e9 banky k posledn\u00e9mu \u010derpaniu po\u017eaduj\u00fa kolauda\u010dn\u00e9 rozhodnutie. Inde to nie je nutn\u00e9 a sta\u010d\u00ed, ak s\u00fa splnen\u00e9 podmienky ur\u010den\u00e9 bankou a s\u00fa dokon\u010den\u00e9 konkr\u00e9tne <\/span><b>predp\u00edsan\u00e9 technick\u00e9 prvky stavby<\/b><span style=\"font-weight: 400;\"> (napr\u00edklad ak je stavba v \u0161t\u00e1diu holodom).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Maxim\u00e1lna lehota na do\u010derpanie celej sumy \u00faveru je <\/span><b>naj\u010dastej\u0161ie 18, niekde a\u017e 24 mesiacov <\/b><span style=\"font-weight: 400;\">od prv\u00e9ho \u010derpania hypot\u00e9ky.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>PR\u00cdKLAD \u010derpania pe\u0148az\u00ed:&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Vlastn\u00edte pozemok, ktor\u00fd m\u00e1 pod\u013ea znaleck\u00e9ho posudku hodnotu 60 000 \u20ac. Bankov\u00fd znalec vypo\u010d\u00edtal, \u017ee bud\u00faca hodnota va\u0161ej nehnute\u013enosti aj s pozemkom bude <\/span><b>180 000 \u20ac.<\/b><span style=\"font-weight: 400;\"> Banka v\u00e1m m\u00f4\u017ee \u0161tandardne poskytn\u00fa\u0165 maxim\u00e1lne 80 % z hodnoty nehnute\u013enosti, tak\u017ee v tomto pr\u00edpade maxim\u00e1lne<\/span><b> 144 000 eur<\/b><span style=\"font-weight: 400;\">. Prv\u00e1 tran\u017ea vych\u00e1dza z hodnoty pozemku a banky poskytn\u00fa od 60 % a\u017e do 100 % z tejto hodnoty. V na\u0161om pr\u00edpade by to bolo od 36 000 \u20ac do 60 000 \u20ac. Z t\u00fdchto pe\u0148az\u00ed za\u010dnete stava\u0165. \u010eal\u0161ie tran\u017ee v\u00e1m banka postupne poskytne pod\u013ea aktu\u00e1lnej hodnoty va\u0161ej stavby. S\u00fa\u010det v\u0161etk\u00fdch tran\u017e\u00ed nesmie presiahnu\u0165 celkov\u00fa schv\u00e1len\u00fa sumu \u00faveru, \u010di\u017ee v na\u0161om pr\u00edklade sumu 144 000 eur.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Rozdiel oproti klasickej hypot\u00e9ke na k\u00fapu nehnute\u013enosti je aj v tom, \u017ee po\u010das v\u00fdstavby, teda k\u00fdm nedo\u010derp\u00e1te \u00faver dokonca, budete banke plati\u0165 <\/span><b>len \u00faroky z \u010derpanej sumy<\/b><span style=\"font-weight: 400;\">. Celkov\u00fd dlh sa za\u010dne zni\u017eova\u0165 a\u017e ke\u010f po do\u010derpan\u00ed \u00faveru budete spl\u00e1ca\u0165 cel\u00fa spl\u00e1tku zlo\u017een\u00fa z \u00faroku aj istiny. Toto plat\u00ed takmer v ka\u017edej banke.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Peniaze m\u00f4\u017eete z\u00edska\u0165 aj r\u00fdchlej\u0161ie<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak chcete \u010derpa\u0165 peniaze jednorazovo alebo r\u00fdchlej\u0161ie ako bude prebieha\u0165 stavba v\u00e1\u0161ho domu, existuje aj in\u00e9 rie\u0161enie. M\u00f4\u017eete najsk\u00f4r ru\u010di\u0165 banke inou &#8211; <\/span><b>dostato\u010dne hodnotnou a bankou akceptovate\u013enou<\/b><span style=\"font-weight: 400;\"> nehnute\u013enos\u0165ou.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V takom pr\u00edpade v\u00e1m banka m\u00f4\u017ee poskytn\u00fa\u0165 peniaze obvykle do 80 % hodnoty tejto nehnute\u013enosti. Naj\u010dastej\u0161ie tak\u00fato mo\u017enos\u0165 vyu\u017e\u00edvaj\u00fa mlad\u00ed \u013eudia, ktor\u00fdm <\/span><b>rodi\u010dia do\u010dasne pom\u00f4\u017eu<\/b><span style=\"font-weight: 400;\"> zalo\u017een\u00edm svojej nehnute\u013enosti a po dokon\u010den\u00ed vlastn\u00e9ho domu len presun\u00fa \u0165archu banky na svoj dom.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V pr\u00edpade potreby m\u00f4\u017eete \u017eiada\u0165 aj o vy\u0161\u0161\u00ed \u00faver 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;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Zistite, ak\u00e9 s\u00fa va\u0161e mo\u017enosti<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Postavi\u0165 si dom je s\u00edce n\u00e1ro\u010dn\u00e9, ale nie nemo\u017en\u00e9. Zabezpe\u010di\u0165 <strong>plynul\u00e9 financovanie<\/strong> v\u00fdstavby nehnute\u013enosti je komplexn\u00e1 a pomerne komplikovan\u00e1 z\u00e1le\u017eitos\u0165, preto si rad\u0161ej nechajte poradi\u0165 od odborn\u00edkov. Najlep\u0161ie je, ak sa spoj\u00edte s fundovan\u00fdm finan\u010dn\u00fdm sprostredkovate\u013eom. V\u010faka jeho sk\u00fasenostiam sa <a href=\"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/\"><strong>vyhnete mnoh\u00fdm chyb\u00e1m<\/strong><\/a>, ktor\u00e9 by mohli vybavenie va\u0161ej hypot\u00e9ky skomplikova\u0165 a zbyto\u010dne pred\u013a\u017ei\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>Makl\u00e9ri z FinGO.sk<\/strong><\/span> v\u00e1m porovnaj\u00fa nielen \u00faroky, ale najm\u00e4 \u010fal\u0161ie podmienky hypot\u00e9k na stavbu domu naprie\u010d cel\u00fdm bankov\u00fdm trhom. Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><strong>0800 60 10 60<\/strong><\/span><\/a> alebo n\u00e1m zanechajte va\u0161e kontaktn\u00e9 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.&nbsp;<\/span><\/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>T\u00fa\u017eite po vlastnom dom\u010deku, ale nem\u00e1te dostatok vlastn\u00fdch zdrojov na jeho v\u00fdstavbu? Dobr\u00e1 spr\u00e1va je, \u017ee hypot\u00e9ku m\u00f4\u017eete z\u00edska\u0165 nielen na k\u00fapu u\u017e hotovej nehnute\u013enosti, ale aj na jej v\u00fdstavbu. Ako sa v tak\u00fdchto pr\u00edpadoch postupuje?<\/p>\n","protected":false},"author":17,"featured_media":3498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,39,203,31],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka na stavbu domu: Ako postupova\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"T\u00fa\u017eite po vlastnom dome, ale nem\u00e1te dostatok zdrojov na jeho v\u00fdstavbu? 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