{"id":4230,"date":"2021-11-03T19:22:23","date_gmt":"2021-11-03T18:22:23","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4230"},"modified":"2021-11-03T21:28:25","modified_gmt":"2021-11-03T20:28:25","slug":"kupujete-alebo-predavate-nehnutelnost","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/kupujete-alebo-predavate-nehnutelnost\/","title":{"rendered":"Odborn\u00edk na realitn\u00fd trh: Na\u0161\u0165astie u\u017e ne\u017eijeme v divok\u00fdch 90. rokoch"},"content":{"rendered":"\n

Kupujete alebo pred\u00e1vate nehnute\u013enos\u0165? Vyhnite sa zbyto\u010dn\u00fdm chyb\u00e1m, ktor\u00e9 v\u00e1s m\u00f4\u017eu pripravi\u0165 o nervy, \u010das aj peniaze. Odborn\u00edk na reality Viktor Obtulovi\u010d z FinGO.sk opisuje situ\u00e1cie, ktor\u00e9 kupuj\u00facich a pred\u00e1vaj\u00facich \u010dasto frustruj\u00fa a cel\u00fd proces len komplikuj\u00fa. V rozhovore sa dozviete aj to, na \u010do d\u00e1va\u0165 pozor pri podpisovan\u00ed rezerva\u010dnej a k\u00fapnej zmluvy, pr\u00edpadne \u010di pred\u00e1va\u0165 byt cez jednu alebo viac realitn\u00fdch kancel\u00e1ri\u00ed. „Na\u0161\u0165astie u\u017e ne\u017eijeme v divok\u00fdch 90. rokoch, kedy sa diali r\u00f4zne podvody a \u0161pekul\u00e1cie na strane realitiek,“<\/em> hovor\u00ed odborn\u00edk.\u00a0\u00a0<\/strong><\/p>\n

Ak\u00e9 naj\u010dastej\u0161ie chyby robia kupuj\u00faci, ktor\u00ed h\u013eadaj\u00fa byt \u010di dom?<\/strong><\/span><\/h4>\n

K\u00fapu bytu, domu alebo chalupy v\u017edy sprev\u00e1dzaj\u00fa em\u00f3cie spojen\u00e9 s predstavou o bud\u00facom b\u00fdvan\u00ed, \u017eia\u013e \u010dasto na \u00fakor r\u00e1cia. Je d\u00f4le\u017eit\u00e9, aby ste si e\u0161te predt\u00fdm ako za\u010dnete h\u013eada\u0165 nehnute\u013enos\u0165, ur\u010dili jej z\u00e1kladn\u00e9 parametre pod\u013ea svojich re\u00e1lnych potrieb, \u010di\u017ee hovor\u00edme o lokalite, ob\u010dianskej vybavenosti, dostupnosti do pr\u00e1ce \u010di do \u0161koly, dispoz\u00edcii bytu \u010di domu a podobne. Klienti v\u0161ak \u010dasto zab\u00fadaj\u00fa, \u017ee ve\u013emi d\u00f4le\u017eitou s\u00fa\u010das\u0165ou cel\u00e9ho tohto procesu je aj finan\u010dn\u00e1 pr\u00edprava.<\/a> Pri klamlivom predpoklade o svojich finan\u010dn\u00fdch mo\u017enostiach sa potom z k\u00fapy nehnute\u013enosti m\u00f4\u017ee sta\u0165 dlh\u00fd a frustruj\u00faci proces, pln\u00fd nespr\u00e1vnych kompromisov.\u00a0<\/p>\n

\u010co presne t\u00fdm mysl\u00edte?<\/strong><\/span><\/h4>\n

\u010casto sa st\u00e1va, \u017ee klient pri k\u00fape nehnute\u013enosti formou hypot\u00e9ky nem\u00e1 dostato\u010dn\u00fa znalos\u0165 o svojich finan\u010dn\u00fdch mo\u017enostiach a limitoch, \u010do cel\u00fd proces spomal\u00ed. Pred\u00e1vaj\u00faci uprednostn\u00ed kupuj\u00faceho, ktor\u00fd je na tento krok finan\u010dne aspo\u0148 \u201cpredpripraven\u00fd\u201d a absolvoval u\u017e napr\u00edklad \u00favodn\u00fd skr\u00edning v banke. V praxi som sa stretol s pr\u00edpadmi, kedy sa klienti domnievali, \u017ee si bud\u00fa m\u00f4c\u0165 zobra\u0165 hypot\u00e9ku, ale neporadili sa s hypotek\u00e1rnym \u0161pecialistom, ktor\u00fd by ich upozornil na to, \u017ee \u00faver v po\u017eadovanej v\u00fd\u0161ke nedostan\u00fa.<\/p>\n

Ako to skon\u010dilo?<\/span><\/strong><\/h4>\n

Dopadlo to tak, \u017ee po nieko\u013ekomesa\u010dn\u00fdch na\u0165ahovaniach pri\u0161li o rezerva\u010dn\u00fd poplatok na nehnute\u013enos\u0165 v sume nieko\u013ekotis\u00edc eur. Preto ur\u010dite odpor\u00fa\u010dam stretn\u00fa\u0165 sa najsk\u00f4r s finan\u010dn\u00fdm sprostredkovate\u013eom<\/a>, ktor\u00fd prever\u00ed va\u0161e finan\u010dn\u00e9 limity. U\u0161etr\u00ed to nielen \u010das zmluvn\u00fdch str\u00e1n, ale \u010dasto aj peniaze a nervy.\u00a0<\/p>\n

Na \u010do by ste e\u0161te upozornili \u013eud\u00ed pri h\u013eadan\u00ed najvhodnej\u0161ej nehnute\u013enosti?<\/strong><\/span><\/h4>\n

\u010eal\u0161ia vec je \u201cstrach\u201d zjedn\u00e1va\u0165 cenu. Aj ke\u010f je pravda, \u017ee v dne\u0161nej dobe, kedy dopyt nieko\u013ekon\u00e1sobne prevy\u0161uje nad ponukou, sa nehnute\u013enosti v atrakt\u00edvnych krajsk\u00fdch mest\u00e1ch pred\u00e1vaj\u00fa viacmenej sam\u00e9, aj tak treba vysk\u00fa\u0161a\u0165 zjedn\u00e1va\u0165 k\u00fapnu cenu s pred\u00e1vaj\u00facim. Ak je pred\u00e1vaj\u00faci ochotn\u00fd, pri men\u0161\u00edch bytoch zv\u00e4\u010d\u0161a dovol\u00ed len mal\u00e9 vyjedn\u00e1vanie o cene, ale pri v\u00e4\u010d\u0161\u00edch, drah\u0161\u00edch nehnute\u013enostiach m\u00f4\u017eete u\u0161etri\u0165 aj nieko\u013eko tis\u00edc eur, ktor\u00e9 m\u00f4\u017eete pou\u017ei\u0165 napr\u00edklad na prer\u00e1bku kuchyne.<\/p>\n

\n

Ur\u010dite v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165, ak sa e\u0161te predt\u00fdm ako sa vrhnete do h\u013eadania nehnute\u013enosti, spoj\u00edte pri tvorbe va\u0161ej predstavy o bud\u00facom b\u00fdvan\u00ed s finan\u010dn\u00fdm alebo realitn\u00fdm makl\u00e9rom. Celkov\u00fd proces k\u00fapy nehnute\u013enost\u00ed to m\u00f4\u017ee v\u00fdrazne zjednodu\u0161i\u0165 a ur\u00fdchli\u0165.\u00a0<\/p>\n<\/blockquote>\n

\"Fingo<\/a><\/p>\n

Robia chyby aj klienti, ktor\u00ed pred\u00e1vaj\u00fa nehnute\u013enos\u0165? Ktor\u00e9 s\u00fa naj\u010dastej\u0161ie?<\/strong><\/span><\/h4>\n

Treba rozli\u0161ova\u0165, \u010di ide o s\u00fakromn\u00fa osobu, ktor\u00e1 nehnute\u013enos\u0165 pred\u00e1va po vlastnej osi ako s\u00fakromn\u00fd inzerent alebo ide o realitn\u00fa kancel\u00e1riu, ktor\u00e1 cel\u00fd proces predaja sprocesuje. Ak ide o pred\u00e1vaj\u00faceho – s\u00fakromn\u00fa osobu, ktor\u00fd nem\u00e1 s predajom nehnute\u013enosti sk\u00fasenosti a neurob\u00ed si kvalitn\u00fd prieskum trhu, tak sa m\u00f4\u017ee sta\u0165, \u017ee cenu<\/a> zle odhadne a bu\u010f ju \u201eustrel\u00ed\u201c alebo naopak, pred\u00e1 ju za menej ako mohol dosta\u0165.<\/p>\n

Ako sa tomu vyhn\u00fa\u0165?\u00a0<\/strong><\/span><\/h4>\n

Sk\u00fasen\u00e1 realitn\u00e1 kancel\u00e1ria ako garant celej transakcie, ktor\u00e1 rob\u00ed s nehnute\u013enos\u0165ami na pravidelnej b\u00e1ze, by mala vedie\u0165 klienta v\u017edy usmerni\u0165 a spr\u00e1vne ur\u010di\u0165 transak\u010dn\u00fa cenu nehnute\u013enosti. Klienti v\u0161ak \u010dasto podce\u0148uj\u00fa pr\u00e1cu realitn\u00fdch makl\u00e9rov, ktor\u00ed proces predaja nehnute\u013enosti v\u00fdrazne zjednodu\u0161uj\u00fa, z\u00e1rove\u0148 robia tento proces bezpe\u010dnej\u0161\u00edm, pohodlnej\u0161\u00edm a transparentn\u00fdm. Vo v\u00fdsledku klient takouto spolupr\u00e1cou u\u0161etr\u00ed nielen finan\u010dn\u00e9 prostriedky, ale aj \u010das, ktor\u00fd m\u00f4\u017ee venova\u0165 svojej rodine alebo pr\u00e1ci.\u00a0<\/p>\n

\u010co by ste poradili \u013eu\u010fom pri v\u00fdbere vhodnej realitnej kancel\u00e1rie?<\/strong><\/span><\/h4>\n

Treba ma\u0165 na pam\u00e4ti, \u017ee reality s\u00fa referen\u010dn\u00fd biznis. \u010castokr\u00e1t je dobr\u00e1 referencia od klienta viac ako platen\u00e9 reklamy, billboardy a soci\u00e1lne siete. Ur\u010dite odpor\u00fa\u010dam vypo\u010du\u0165 si referencie svojich zn\u00e1mych, ktor\u00ed pred\u00e1vali nehnute\u013enos\u0165 prostredn\u00edctvom realitnej kancel\u00e1rie a ak boli spokojn\u00ed, vyu\u017ei\u0165 slu\u017eby tejto realitky. Z\u00e1rove\u0148 si treba uvedomi\u0165, \u017ee spolupr\u00e1ca s realitnou kancel\u00e1riou je determinovan\u00e1 d\u00f4verou. Realitn\u00e9 kancel\u00e1rie si tento fakt uvedomuj\u00fa a vo v\u00e4\u010d\u0161ine pr\u00edpadov na tom maj\u00fa postaven\u00fd svoj brand promise. Tak\u017ee ak nepozn\u00e1te vo svojom okol\u00ed realitn\u00e9ho makl\u00e9ra alebo v\u00e1m va\u0161i zn\u00e1mi nevedia poskytn\u00fa\u0165 referenciu, urobte si prieskum vo va\u0161om okol\u00ed.\u00a0<\/p>\n

TIP:<\/strong> <\/span>Ak chcete vedie\u0165, ako si zv\u00fd\u0161i\u0165 \u0161ance pri h\u013eadan\u00ed vhodnej nehnute\u013enosti, pre\u010d\u00edtajte si aj tento blog n\u00e1\u0161ho odborn\u00edka.<\/a><\/p>\n

Ako si tento prieskum urob\u00ed laik? \u010co v\u0161etko si m\u00e1 v\u0161\u00edma\u0165?\u00a0<\/strong><\/span><\/h4>\n

V\u0161\u00edmajte si d\u00f4le\u017eit\u00e9 parametre, ktor\u00e9 napovedia o schopnostiach danej realitky. Medzi rozhoduj\u00face atrib\u00faty patr\u00ed hist\u00f3ria kancel\u00e1rie, po\u010det makl\u00e9rov, referencie od klientov, po\u010det nabrat\u00fdch nehnute\u013enost\u00ed, \u010dlenstvo v stavovsk\u00fdch organiz\u00e1ci\u00e1ch ako je napr\u00edklad N\u00e1rodn\u00e1 asoci\u00e1cia realitn\u00fdch kancel\u00e1ri\u00ed Slovenska. Samotnou kateg\u00f3riou s\u00fa sie\u0165ov\u00e9, resp. fran\u0161\u00edzov\u00e9 kancel\u00e1rie, ktor\u00e9 si dlhodobo zakladaj\u00fa na reput\u00e1cii zna\u010dky a vedia, \u017ee to je ich najvy\u0161\u0161ia pridan\u00e1 hodnota. V dne\u0161nej dobe takmer ka\u017ed\u00e1 realitn\u00e1 kancel\u00e1ria pon\u00faka nacenenie nehnute\u013enosti zdarma a pritom to neznamen\u00e1, \u017ee mus\u00edte ich slu\u017eby vyu\u017ei\u0165 aj pri predaji.<\/p>\n

\n

Pri rozhodovan\u00ed je takisto pre mnoh\u00fdch klientov d\u00f4le\u017eit\u00e1 aj v\u00fd\u0161ka prov\u00edzie pre realitn\u00fa kancel\u00e1riu. V dne\u0161nej dobe sa prov\u00edzia v Bratislave pri v\u00e4\u010d\u0161\u00edch realitk\u00e1ch pohybuje v rozmedz\u00ed od 2 a\u017e do 5 % z transak\u010dnej sumy nehnute\u013enosti.\u00a0<\/p>\n<\/blockquote>\n

\u010co v\u0161etko by mal klient za t\u00fato prov\u00edziu dosta\u0165?<\/strong><\/span><\/h4>\n

Za prov\u00edziu dostanete vo v\u0161etk\u00fdch kvalitn\u00fdch realitn\u00fdch kancel\u00e1ri\u00e1ch ve\u013emi podobn\u00e9 slu\u017eby. Zah\u0155\u0148aj\u00fa marketing, pr\u00e1vne slu\u017eby a slu\u017eby realitn\u00e9ho makl\u00e9ra, ktor\u00fd za klienta rie\u0161i v\u0161etko od obhliadok nehnute\u013enosti cez zavkladovanie zml\u00fav na katastri a\u017e po sp\u00edsanie protokolu o odovzdan\u00ed nehnute\u013enosti. Sk\u00fasen\u00e9 kancel\u00e1rie dbaj\u00fa na kvalitn\u00fa prezent\u00e1ciu nehnute\u013enosti pomocou homestagingu, pou\u017e\u00edvaj\u00fa profesion\u00e1lneho fotografa a podobne, \u010do zvy\u0161uje pravdepodobnos\u0165 r\u00fdchlej\u0161ieho predaja nehnute\u013enosti, ke\u010f\u017ee \u013eudia na kvalitn\u00e9 fotografie a prezent\u00e1ciu nehnute\u013enosti pozit\u00edvne reaguj\u00fa.<\/p>\n

Ako sa vyhn\u00fa\u0165 mo\u017en\u00fdm podvodom \u010di \u0161pekul\u00e1ci\u00e1m zo strany realitky?<\/strong><\/span><\/h4>\n

Na\u0161\u0165astie u\u017e ne\u017eijeme v divok\u00fdch 90. rokoch, kedy sa diali r\u00f4zne podvody a \u0161pekul\u00e1cie na strane realitiek a realitn\u00fdch makl\u00e9rov, kv\u00f4li \u010domu s\u00fa a\u017e dodnes \u010dasto d\u00f4vodom vysokej ned\u00f4very v realitn\u00e9 kancel\u00e1rie. Aj v dne\u0161nej dobe sa mo\u017eno ob\u010das vyskytne nejak\u00e1 \u201ekuleha\u201c, na ktor\u00fa v kone\u010dnom d\u00f4sledku dopl\u00e1ca cel\u00e1 realitn\u00e1 obec, ale zv\u00e4\u010d\u0161a je to len pri men\u0161\u00edch kancel\u00e1ri\u00e1ch, ktor\u00e9 si bohu\u017eia\u013e \u0165a\u017ek\u00fa hlavu z negat\u00edvnych recenzi\u00ed nerobia. No treba si uvedomi\u0165, \u017ee negat\u00edvne referencie a recenzie sa v \u010dase popularity soci\u00e1lnych siet\u00ed \u0161\u00edria r\u00fdchlos\u0165ou blesku, preto by si \u017eiadna renomovan\u00e1 kancel\u00e1ria nevzala na vlastn\u00e9 triko ak\u00fdko\u013evek pre\u0161\u013eap, ktor\u00fd by jej brand po\u0161kodil.\u00a0<\/p>\n

M\u00f4\u017ee ma\u0165 v\u00fd\u0161ka prov\u00edzie nejak\u00fd strop?\u00a0<\/strong><\/span><\/h4>\n

\u010co sa t\u00fdka v\u00fd\u0161ky prov\u00edzi\u00ed, t\u00e1 nie je pri realitn\u00fdch kancel\u00e1ri\u00e1ch na Slovensku regulovan\u00e1. V praxi to znamen\u00e1, \u017ee ak by sa zmluvn\u00e9 strany dohodli hoci aj na 10 %-nej prov\u00edzii, tak to bude 10 %. Aj preto je d\u00f4le\u017eit\u00e9 poradi\u0165 sa o v\u00fd\u0161ke prov\u00edzie s viacer\u00fdmi sk\u00fasen\u00fdmi makl\u00e9rmi. V Bratislave je pri vysoko nastaven\u00fdch cen\u00e1ch nehnute\u013enost\u00ed priemern\u00e1 zdrav\u00e1 odmena pre realitn\u00e9 kancel\u00e1rie na \u00farovni 2 – 3% z transak\u010dnej sumy, \u010di\u017ee zo sumy, za ktor\u00fa sa nehnute\u013enos\u0165 pred\u00e1.<\/p>\n

\u010co okrem prov\u00edzie si pred\u00e1vaj\u00faci e\u0161te dohaduje s realitnou kancel\u00e1riou?\u00a0<\/strong><\/span><\/h4>\n

Pri tzv. n\u00e1bore nehnute\u013enosti je d\u00f4le\u017eit\u00e9 \u0161pecifikova\u0165 si hlavn\u00e9 atrib\u00faty sprostredkovate\u013eskej zmluvy, \u010di\u017ee zmluvy medzi pred\u00e1vaj\u00facim a realitnou kancel\u00e1riou. V zmluve b\u00fdva okrem in\u00e9ho uveden\u00e1 cena nehnute\u013enosti, v\u00fd\u0161ka prov\u00edzie ako aj doba, na ktor\u00fa poskytujete realitn\u00e9mu makl\u00e9rovi mand\u00e1t na zabezpe\u010denie realitnej slu\u017eby a v\u0161etky aktivity spojen\u00e9 s predajom nehnute\u013enosti. B\u00fdva dobr\u00fdm zvykom, \u017ee odmena za t\u00fato slu\u017ebu, \u010di\u017ee prov\u00edzia je ur\u010den\u00e1 percentu\u00e1lne a spravidla sa rovn\u00e1 v\u00fd\u0161ke rezerva\u010dnej z\u00e1lohy. T\u00e1to prov\u00edzia by u\u017e z\u00e1rove\u0148 mala by\u0165 zahrnut\u00e1 v inzerovanej cene.<\/p>\n

Je e\u0161te nie\u010do, na \u010do si d\u00e1va\u0165 zvl\u00e1\u0161\u0165 pozor?\u00a0<\/span><\/strong><\/h4>\n

To, na \u010do by si mal klient d\u00e1va\u0165 pozor, s\u00fa aj zmeny v procese predaja. Ak sa z nejak\u00fdch d\u00f4vodov upravuje cena, doba mand\u00e1tu alebo prov\u00edzia, pre ochranu klienta aj makl\u00e9ra je nevyhnutn\u00e9 dodatkova\u0165 p\u00f4vodn\u00fa sprostredkovate\u013esk\u00fa zmluvu.\u00a0<\/p>\n

Ko\u013eko realitn\u00fdch kancel\u00e1ri\u00ed je vlastne dobr\u00e9 oslovi\u0165, ak pred\u00e1vam byt \u010di dom? Alebo sta\u010d\u00ed jedna?<\/strong><\/span><\/h4>\n

V pr\u00edpade, ak nem\u00e1te \u017eiadnu referenciu na sk\u00fasen\u00e9ho realitn\u00e9ho makl\u00e9ra alebo realitn\u00fa kancel\u00e1riu, odpor\u00fa\u010dam si urobi\u0165 prieskum pred samotn\u00fdm predajom nehnute\u013enosti. Oslovil by som aspo\u0148 2 – 3 realitn\u00e9 kancel\u00e1rie na z\u00e1klade recenzi\u00ed, odbornosti, sympati\u00ed a prov\u00edzie a n\u00e1sledne sa rozhodnete, s ktorou sa pust\u00edte do spolupr\u00e1ce. V\u00e4\u010d\u0161ina realitn\u00fdch kancel\u00e1ri\u00ed bude tla\u010di\u0165 klienta do podpisu exkluz\u00edvnej zmluvy, \u010do v\u0161ak m\u00f4\u017ee by\u0165 dvojse\u010dn\u00e1 zbra\u0148 v pr\u00edpade, \u017ee by ste nemali \u0161\u0165astie a vybrali by ste si nespr\u00e1vnu realitku.\u00a0<\/p>\n

Ako to mysl\u00edte?\u00a0<\/strong><\/span><\/h4>\n

Ak kancel\u00e1ria postupuje v najlep\u0161om z\u00e1ujme klienta, tak exkluz\u00edvna zmluva m\u00e1 zmysel. Ale ak by realitka obhajovala len svoje z\u00e1ujmy a chcela by napr\u00edklad preda\u0165 v\u00e1\u0161 byt za ni\u017e\u0161iu cenu len aby ju predala \u010do najr\u00fdchlej\u0161ie, m\u00e1te probl\u00e9m. Na druhej strane, \u010dasto sa st\u00e1va aj to, \u017ee si klient vyberie viacero realitn\u00fdch kancel\u00e1ri\u00ed, aj 5 \u010di 6, ktor\u00fdm d\u00e1 ponuku neexkluz\u00edvne a tie len kop\u00edruj\u00fa inzerciu na svoje weby. Tento krok tie\u017e neodpor\u00fa\u010dam, nako\u013eko to m\u00f4\u017ee p\u00f4sobi\u0165 ned\u00f4veryhodne v o\u010diach potencion\u00e1lneho kupuj\u00faceho. V pr\u00edpade, ak sa rozhodnete pre predaj cez viac ako jednu realitku, rozhodol by som sa najviac pre 2 kvalitn\u00e9 kancel\u00e1rie, ktor\u00e9 sa bud\u00fa o va\u0161u realitn\u00fa ponuku stara\u0165.<\/p>\n

Je nejak\u00fd rozdiel, \u010do treba zoh\u013ead\u0148ova\u0165 pri k\u00fape reziden\u010dnej nehnute\u013enosti a pri obchodnom priestore?<\/strong><\/span><\/h4>\n

Samozrejme, je to rozdiel. Rezidenciu kupujeme na uspokojenie na\u0161ej vlastnej potreby b\u00fdvania, bezpe\u010dia a do rozhodovacieho procesu preto vstupuj\u00fa viac em\u00f3cie ako r\u00e1cio. Pri komer\u010dn\u00fdch nehnute\u013enostiach kupujeme biznis case, \u010di\u017ee rozhodovanie je ovplyvnen\u00e9 \u00fa\u010delom podnikania a biznis modelom, pre ktor\u00fd dan\u00fa nehnute\u013enos\u0165 obstar\u00e1vame. Preto pri reziden\u010dn\u00fdch nehnute\u013enostiach klienti vo v\u00e4\u010d\u0161ej miere zoh\u013ead\u0148uj\u00fa najm\u00e4 kvalitn\u00fa ob\u010diansku vybavenos\u0165, \u0161koly, \u0161k\u00f4lky a podobne. Naopak, pri biznis priestore ob\u010dianska vybavenos\u0165 nie je tak\u00e1 d\u00f4le\u017eit\u00e1.<\/p>\n

\n

Ale \u010do sa t\u00fdka napr\u00edklad pren\u00e1jmu nehnute\u013enost\u00ed<\/a>, pri byte je to likvidnej\u0161ie a n\u00e1jomcu zv\u00e4\u010d\u0161a n\u00e1jdete r\u00fdchlej\u0161ie ako v pr\u00edpade obchodn\u00e9ho priestoru, kde do parametrov pren\u00e1jmu vstupuje viacero komplexn\u00fdch faktorov.<\/p>\n<\/blockquote>\n

A \u010do rizik\u00e1?\u00a0<\/span><\/strong><\/h4>\n

\u010co sa t\u00fdka pr\u00edpadn\u00fdch riz\u00edk, pri k\u00fape \u010di u\u017e reziden\u010dnej nehnute\u013enosti a takisto aj obchodn\u00e9ho priestoru je dobr\u00e9 necha\u0165 si skontrolova\u0165 k\u00fapne zmluvy pr\u00e1vnikom, aby ste sa vyhli probl\u00e9mom spojen\u00fdch s prevodom vlastn\u00edckeho pr\u00e1va. Ak si t\u00fato povinnos\u0165 spln\u00edte, nemali by ste sa dosta\u0165 do rizika.<\/p>\n

Ak u\u017e \u010dlovek podpisuje rezerva\u010dn\u00fa zmluvu, \u010do by ste mu poradili?<\/strong><\/span><\/h4>\n

Rezerva\u010dn\u00e1 zmluva je ak\u00fdmsi medzikrokom v samotnom procese predaja. Pri tomto kroku by mal by\u0165 kupuj\u00faci predstaven\u00fd pred\u00e1vaj\u00facemu za \u00fa\u010dasti realitnej kancel\u00e1rie v pr\u00edpade ak realitka nem\u00e1 pln\u00fa moc na podpis tejto zmluvy za pred\u00e1vaj\u00faceho. Z h\u013eadiska bezpe\u010dnosti je rozumnej\u0161ie, aby t\u00e1to zmluva bola trojstrannou dohodou s jasne vymedzen\u00fdmi zodpovednos\u0165ami jednotliv\u00fdch str\u00e1n – pred\u00e1vaj\u00faceho, kupuj\u00faceho aj realitnej kancel\u00e1rie. A takisto je d\u00f4le\u017eit\u00e9, \u017ee obsahuje aj sankcie, keby nedo\u0161lo k podpisu k\u00fapnej zmluvy \u010di u\u017e zo strany pred\u00e1vaj\u00faceho alebo kupuj\u00faceho.<\/p>\n

\u010co e\u0161te rezerva\u010dn\u00e1 zmluva definuje?\u00a0<\/span><\/strong><\/h4>\n

Rezerva\u010dn\u00e1 zmluva takisto definuje \u010dasov\u00e9 obdobie, po\u010das ktor\u00e9ho kupuj\u00faci okrem in\u00e9ho zais\u0165uje financovanie predmetu k\u00fapnej zmluvy, teda jednoducho povedan\u00e9 – dokedy mus\u00edte pred\u00e1vaj\u00facemu zaplati\u0165. Preto upozor\u0148ujem, aby kupuj\u00faci pred podpisom rezerva\u010dnej zmluvy mal tieto ot\u00e1zky vyrie\u0161en\u00e9. Ako som spom\u00ednal v \u00favode, aby mal v banke predbe\u017ene preveren\u00e9, \u010di dostane \u00faver v po\u017eadovanej v\u00fd\u0161ke. Lebo ak hypot\u00e9ku nedostane, zbyto\u010dne sa vystavuje sankci\u00e1m, ktor\u00e9 vypl\u00fdvaj\u00fa z rezerva\u010dnej zmluvy a pr\u00edde o rezerva\u010dn\u00fd poplatok vo v\u00fd\u0161ke p\u00e1r tis\u00edc eur.<\/p>\n

Ak sa u\u017e rozhodneme pre konkr\u00e9tnu nehnute\u013enos\u0165, na \u010do da\u0165 pozor v k\u00fapnej zmluve?<\/strong><\/span><\/h4>\n

Z pr\u00e1vneho h\u013eadiska je nutn\u00e9 skontrolova\u0165, \u010di nehnute\u013enos\u0165 kupujete od skuto\u010dn\u00e9ho majite\u013ea, \u010di je nehnute\u013enos\u0165 bez tiarch, bremien alebo in\u00fdch obmedzen\u00ed. Neu\u0161kod\u00ed presk\u00fama\u0165 ani term\u00edn nadobudnutia nehnute\u013enosti pred\u00e1vaj\u00faceho, \u010do je vlastne aj s\u00fa\u010das\u0165ou znaleck\u00e9ho posudku nehnute\u013enosti. V pr\u00edpade rodinn\u00e9ho domu je nutn\u00e9 presk\u00fama\u0165 aj stav pozemku \u2013 napr\u00edklad \u010di nad pozemkom, popri alebo pod pozemkom neved\u00fa v nejakej \u010dasti siete, ktor\u00e9 by v\u00e1s mohli v bud\u00facnosti pri u\u017e\u00edvan\u00ed alebo pr\u00edpadnej rekon\u0161trukcii domu obmedzi\u0165. Odpor\u00fa\u010dam sa zauj\u00edma\u0165 aj o okolie, o pripravovan\u00e9 zmeny v okol\u00ed nehnute\u013enosti, dostupnos\u0165 ob\u010dianskej vybavenosti.<\/p>\n

\"dvojica<\/h4>\n

Pre\u010do je to d\u00f4le\u017eit\u00e9? <\/span><\/strong><\/h4>\n

Toto v\u0161etko bude aj do bud\u00facna vpl\u00fdva\u0165 na hodnotu va\u0161ej kupovanej nehnute\u013enosti a kvalitu b\u00fdvania. Takisto vypl\u0148te Protokol o prevzat\u00ed bytu. Tento doklad je d\u00f4le\u017eit\u00fdm podkladom na prepis energi\u00ed, preto je ve\u013emi d\u00f4le\u017eit\u00e9, aby bol stav jednotliv\u00fdch mera\u010dov zap\u00edsan\u00fd ku d\u0148u odovzdania bytu.<\/p>\n

Keby sme nehnute\u013enos\u0165 kupovali bez realitky, komu necha\u0165 skontrolova\u0165 zmluvy?<\/strong><\/span><\/h4>\n

Ke\u010f\u017ee k\u00fapa nehnute\u013enost\u00ed je pre be\u017en\u00fdch \u013eud\u00ed proces, ktor\u00fd robia 1- alebo 2-kr\u00e1t za \u017eivot, ur\u010dite je dobr\u00e9 necha\u0165 si skontrolova\u0165 k\u00fapne zmluvy pr\u00e1vnikom. Rad\u0161ej zaplati\u0165 p\u00e1r stoviek eur navy\u0161e, aby ste sa vyhli pr\u00edpadnej \u0161pekul\u00e1cii zo strany pred\u00e1vaj\u00faceho. Takisto je d\u00f4le\u017eit\u00e9 pred k\u00fapou vidie\u0165 List vlastn\u00edctva, z ktor\u00e9ho viete vy\u010d\u00edta\u0165 spom\u00ednan\u00e9 parametre ako je vlastn\u00edcke pr\u00e1vo, \u010di zmluvu podpisujete s jedn\u00fdm pred\u00e1vaj\u00facim alebo s\u00fa viacer\u00ed, \u010di s\u00fa tam z\u00e1lo\u017en\u00e9 pr\u00e1va a ak \u00e1no kedy bud\u00fa vysporiadan\u00e9, pr\u00edpadne plomby alebo \u010di sa spr\u00e1vne prev\u00e1dzaj\u00fa v\u0161etky parcely, ktor\u00e9 k nehnute\u013enosti prisl\u00fachaj\u00fa. Toto v\u0161etko by mal ma\u0165 pr\u00e1vnik v mal\u00ed\u010dku a na mo\u017en\u00e9 \u00faskalia a komplik\u00e1cie v\u00e1s upozorn\u00ed.<\/p>\n

Na \u010do v\u0161etko by mali klienti myslie\u0165 e\u0161te pred \u017eiados\u0165ou o hypot\u00e9ku?<\/strong><\/span><\/h4>\n

Ak pl\u00e1nujete po\u017eiada\u0165 o hypot\u00e9ku, mali by ste ma\u0165 stabiln\u00fd, zdokladovate\u013en\u00fd pr\u00edjem. Aby ste svoje \u0161ance zv\u00fd\u0161ili, m\u00f4\u017eete urobi\u0165 viacero krokov, napr\u00edklad sa zbavi\u0165 kreditnej karty alebo zl\u00fa\u010di\u0165 viacer\u00e9 men\u0161ie \u00favery do jedn\u00e9ho, nech v\u00e1m z v\u00e1\u0161ho pr\u00edjmu po odr\u00e1tan\u00ed in\u00fdch spl\u00e1tok vyjde vy\u0161\u0161ia hypot\u00e9ka. Takisto sa m\u00f4\u017eete poradi\u0165 s rodinou, \u010di by ste nemohli do\u010dasne ru\u010di\u0165 napr\u00edklad rodi\u010dovsk\u00fdm bytom \u010di domom. Ak sa obr\u00e1tite na hypotek\u00e1rneho \u0161pecialistu, ten v\u00e1m v\u0161etko vysvetl\u00ed a porad\u00ed, ako si v banke zv\u00fd\u0161i\u0165 rating.<\/p>\n

Pre\u010do sa e\u0161te oplat\u00ed spoji\u0165 s makl\u00e9rom?<\/span><\/strong><\/h4>\n

Sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m aj v z\u00e1vislosti od typu v\u00e1\u0161ho pr\u00edjmu odporu\u010d\u00ed, ktor\u00e1 banka vo va\u0161om pr\u00edpade najlep\u0161ie prich\u00e1dza do \u00favahy a m\u00f4\u017ee v\u00e1m poskytn\u00fa\u0165 najv\u00fdhodnej\u0161ie podmienky. Naozaj je d\u00f4le\u017eit\u00e9 na hypot\u00e9ku sa dobre pripravi\u0165 a nevkro\u010di\u0165 len do jednej banky, napr\u00edklad kde vyu\u017e\u00edvate be\u017en\u00fd \u00fa\u010det. Rovnako treba vopred myslie\u0165 aj na to, ak\u00fdm sp\u00f4sobom dofinancujete hypot\u00e9ku<\/a>, ktor\u00fa v\u00e1m obvykle banka poskytne len do 80 % hodnoty nehnute\u013enosti. Aj tam je mo\u017enost\u00ed viac.<\/p>\n

\u010ci\u017ee t\u00fdm \u010dlovek u\u0161etr\u00ed \u010das aj peniaze?<\/strong><\/span><\/h4>\n

Ako som vysvetlil v \u00favode, ak neviete, ko\u013eko pe\u0148az\u00ed v\u00e1m banka po\u017ei\u010dia, zbyto\u010dne strat\u00edte \u010das obhliadkami lokal\u00edt a nehnute\u013enost\u00ed, ktor\u00e9 si vlastne nem\u00f4\u017eete finan\u010dne dovoli\u0165. Ale m\u00f4\u017ee \u00eds\u0165 samozrejme aj o opa\u010dn\u00fd scen\u00e1r – niekedy \u013eudia s vybratou nehnute\u013enos\u0165ou a\u017e v banke zistia, \u017ee mohli z\u00edska\u0165 aj vy\u0161\u0161\u00ed \u00faver ako predpokladali. Keby to vedeli vopred, tak sa mohli obzera\u0165 aj po v\u00e4\u010d\u0161om byte \u010di dome so z\u00e1hradou, alebo po atrakt\u00edvnej\u0161ej lokalite a podobne. V\u017edy je dobr\u00e9 urobi\u0165 si prieskum \u00faverov\u00fdch mo\u017enost\u00ed vo viacer\u00fdch bank\u00e1ch a dnes je naozaj be\u017en\u00e9, \u017ee sa v tejto ot\u00e1zke \u013eudia rad\u0161ej spo\u013eahn\u00fa na finan\u010dn\u00e9ho makl\u00e9ra.<\/p>\n

\n

Podmienky v bank\u00e1ch sa l\u00ed\u0161ia a be\u017en\u00fd \u010dlovek ani nem\u00e1 \u0161ancu s\u00e1m zisti\u0165, kde z\u00edska najv\u00fdhodnej\u0161iu hypot\u00e9ku. Nie je ni\u010d nezvy\u010dajn\u00e9, ak v\u00e1m v jednej banke schv\u00e1lia in\u00fa v\u00fd\u0161ku \u00faveru ako v inej, pri\u010dom m\u00f4\u017ee \u00eds\u0165 naozaj o ve\u013ek\u00e9 rozdiely.<\/p>\n<\/blockquote>\n

TIP:<\/strong><\/span> Sk\u00fasen\u00fd sprostredkovate\u013e<\/a> v\u00e1m ponuky v r\u00f4znych bank\u00e1ch porovn\u00e1 r\u00fdchlej\u0161ie a vy sa potom m\u00f4\u017eete pusti\u0165 do h\u013eadania nehnute\u013enosti na z\u00e1klade va\u0161ich predst\u00e1v aj finan\u010dn\u00fdch mo\u017enost\u00ed.\u00a0Zavolajte n\u00e1m do FinGO.sk na 0800 60 10 60<\/a> alebo n\u00e1m zanechajte kontakt vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/p>\n

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    <\/ul><\/div>\n
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    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n

    \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

    Kupujete alebo pred\u00e1vate nehnute\u013enos\u0165? Vyhnite sa zbyto\u010dn\u00fdm chyb\u00e1m, ktor\u00e9 v\u00e1s m\u00f4\u017eu pripravi\u0165 o nervy, \u010das aj peniaze. Odborn\u00edk na reality Viktor Obtulovi\u010d z FinGO.sk opisuje situ\u00e1cie, ktor\u00e9 kupuj\u00facich a pred\u00e1vaj\u00facich \u010dasto frustruj\u00fa a cel\u00fd proces len komplikuj\u00fa. V rozhovore sa dozviete aj to, na \u010do d\u00e1va\u0165 pozor pri podpisovan\u00ed rezerva\u010dnej a k\u00fapnej zmluvy, pr\u00edpadne \u010di pred\u00e1va\u0165 byt cez jednu alebo viac realitn\u00fdch kancel\u00e1ri\u00ed. „Na\u0161\u0165astie u\u017e ne\u017eijeme v divok\u00fdch 90. rokoch, kedy sa diali r\u00f4zne podvody a \u0161pekul\u00e1cie na strane realitiek,“ hovor\u00ed odborn\u00edk.\u00a0\u00a0 Ak\u00e9 naj\u010dastej\u0161ie chyby robia kupuj\u00faci, ktor\u00ed h\u013eadaj\u00fa byt \u010di dom? K\u00fapu bytu, domu alebo chalupy v\u017edy sprev\u00e1dzaj\u00fa em\u00f3cie spojen\u00e9 s predstavou o bud\u00facom b\u00fdvan\u00ed, \u017eia\u013e \u010dasto na \u00fakor r\u00e1cia. Je d\u00f4le\u017eit\u00e9, aby ste si e\u0161te predt\u00fdm ako za\u010dnete h\u013eada\u0165 nehnute\u013enos\u0165, ur\u010dili jej z\u00e1kladn\u00e9 parametre pod\u013ea svojich re\u00e1lnych potrieb, \u010di\u017ee hovor\u00edme o lokalite, ob\u010dianskej vybavenosti, dostupnosti do pr\u00e1ce \u010di do \u0161koly, dispoz\u00edcii bytu \u010di domu a podobne. Klienti v\u0161ak \u010dasto zab\u00fadaj\u00fa, \u017ee ve\u013emi d\u00f4le\u017eitou s\u00fa\u010das\u0165ou cel\u00e9ho tohto procesu je aj finan\u010dn\u00e1 pr\u00edprava. Pri klamlivom predpoklade o svojich finan\u010dn\u00fdch mo\u017enostiach sa potom z k\u00fapy nehnute\u013enosti m\u00f4\u017ee sta\u0165 dlh\u00fd a frustruj\u00faci proces, pln\u00fd nespr\u00e1vnych kompromisov.\u00a0 \u010co presne t\u00fdm mysl\u00edte? \u010casto sa st\u00e1va, \u017ee klient pri k\u00fape nehnute\u013enosti formou hypot\u00e9ky nem\u00e1 dostato\u010dn\u00fa […]<\/p>\n","protected":false},"author":26,"featured_media":4234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,166],"tags":[36,210,250,167],"yoast_head":"\nOdborn\u00edk na realitn\u00fd trh: Na\u0161\u0165astie u\u017e ne\u017eijeme v divok\u00fdch 90. rokoch - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Kupujete alebo pred\u00e1vate byt \u010di in\u00fa nehnute\u013enos\u0165? 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