{"id":4703,"date":"2021-12-22T08:41:24","date_gmt":"2021-12-22T07:41:24","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4703"},"modified":"2022-01-11T08:54:36","modified_gmt":"2022-01-11T07:54:36","slug":"ako-vybavit-hypoteku-krok-za-krokom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-vybavit-hypoteku-krok-za-krokom\/","title":{"rendered":"Ako vybavi\u0165 hypot\u00e9ku, krok za krokom"},"content":{"rendered":"\n<p><b>Pand\u00e9mia koronav\u00edrusu, neist\u00fd v\u00fdvoj ekonomiky \u010di lockdowny. To v\u0161etko by mohlo vpl\u00fdva\u0165 na mo\u017enos\u0165 z\u00edska\u0165 vysn\u00edvan\u00e9 b\u00fdvanie. Na\u0161\u0165astie, na Slovensku tieto udalosti hypotek\u00e1rny trh a\u017e tak nepozna\u010dili. V\u00fd\u0161ka \u00farokovej sadzby je st\u00e1le rekordne n\u00edzka, cca 1 %. Aspo\u0148 zatia\u013e. V susednom \u010cesku \u00farokov\u00e9 sadzby raketovo st\u00fapli, ich hodnota dosahuje v lep\u0161om pr\u00edpade 3,5 %. Preto, ak ste hypot\u00e9ku pl\u00e1novali a financie v\u00e1m to dovolia, vybavte si ju \u010d\u00edm sk\u00f4r.\u00a0<\/b><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>\u010co budete potrebova\u0165 pri vybavovan\u00ed hypot\u00e9ky<\/li>\n<li>Ako porovn\u00e1va\u0165 ponuky b\u00e1nk a ako v\u00e1m pom\u00f4\u017ee <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a><\/li>\n<li>Ak\u00e9 s\u00fa v s\u00fa\u010dasnosti podmienky, aby ste mohli z\u00edska\u0165 hypot\u00e9ku<\/li>\n<li>\u010casto kladen\u00e9 ot\u00e1zky o pr\u00edjme, nehnute\u013enosti, \u010derpan\u00ed \u00faveru a podobne\u00a0<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Na to, \u010di v\u00e1m schv\u00e1lia hypot\u00e9ku vpl\u00fdva <strong>mno\u017estvo faktorov.<\/strong> Banka bude zis\u0165ova\u0165, ako dlho ste zamestnan\u00fd alebo podnik\u00e1te. Tie\u017e to, ak\u00e9 s\u00fa va\u0161e pr\u00edjmy vzh\u013eadom na v\u00fddavky a sumu, ktor\u00fa si chcete po\u017ei\u010da\u0165. O <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">v\u00fd\u0161ke hypot\u00e9ky,<\/a> ktor\u00fa dostanete, m\u00f4\u017ee rozhodn\u00fa\u0165 aj to, kde <strong>pracujete.<\/strong> T\u00fdka sa to hlavne zamestnancov v gastre, hotelierstve alebo \u013eud\u00ed pracuj\u00facich v zahrani\u010d\u00ed. Ak patr\u00edte do tejto skupiny, nemus\u00edte z\u00fafa\u0165, nie v\u0161etky banky to bude zauj\u00edma\u0165.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co budete potrebova\u0165 pri vybavovan\u00ed hypot\u00e9ky\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hypot\u00e9ka je najlacnej\u0161\u00ed sp\u00f4sob na financovanie b\u00fdvania, ale nepochybne v\u00e1m zaberie ve\u013ea \u010dasu. Mus\u00edte obeha\u0165 banky, vedie\u0165 vybra\u0165 najv\u00fdhodnej\u0161iu ponuku a nazhroma\u017edi\u0165 potrebn\u00e9 doklady.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">:<\/span> Ak sa zd\u013ahav\u00e9mu procesu chcete vyhn\u00fa\u0165, vyu\u017eite slu\u017eby <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/span><\/a><span style=\"font-weight: 400;\"> V\u00fdhodou je nielen \u00faspora \u010dasu, ale aj preh\u013ead hypotek\u00e1rneho trhu a znalosti, ako postupova\u0165. Za jeho slu\u017eby ni\u010d neplat\u00edte.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Na schv\u00e1lenie hypot\u00e9ky budete potrebova\u0165 <strong>d<\/strong><\/span><span style=\"font-weight: 400;\"><strong>oklady toto\u017enosti, potvrdenia<\/strong> o pr\u00edjmoch v po\u017eadovanej forme, doklady preukazuj\u00face k\u00fapu nehnute\u013enosti (rezerva\u010dn\u00e1 zmluva, zmluva o bud\u00facej k\u00fapnej zmluve a podobne), znaleck\u00fd posudok pre stanovenie hodnoty nehnute\u013enosti a <\/span><span style=\"font-weight: 400;\">n\u00e1vrh k\u00fapnej zmluvy.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Ak hypot\u00e9kou budete <strong>refinancova\u0165 aj in\u00e9 \u00favery<\/strong>, pripravte si p\u00f4vodn\u00e9 \u00faverov\u00e9, pr\u00edpadne z\u00e1lo\u017en\u00e9 zmluvy. Ke\u010f \u0148ou chcete\u00a0 spl\u00e1ca\u0165 kreditky \u010di povolen\u00e9 pre\u010derpanie, posta\u010d\u00ed posledn\u00fd v\u00fdpis z \u00fa\u010dtu.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Najviac dokladov<\/strong> budete potrebova\u0165, ak chcete hypot\u00e9kou financova\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-stavbu-domu-ako-postupovat\/\">v\u00fdstavbu nehnute\u013enosti.<\/a> Pripravte si pr\u00e1voplatn\u00e9 stavebn\u00e9 povolenie, znaleck\u00fd posudok k pozemku, geometrick\u00fd pl\u00e1n a podobne.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Za\u010dnite porovnan\u00edm dostupn\u00fdch hypot\u00e9k\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Len tak, \u017ee si urob\u00edte kompletn\u00fd preh\u013ead, zist\u00edte, ktor\u00e1 ponuka sa v\u00e1m najviac oplat\u00ed. <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsia-hypoteka\/\">Najv\u00fdhodnej\u0161ia<\/a> toti\u017e nemus\u00ed by\u0165 t\u00e1 s najni\u017e\u0161\u00edm \u00farokom. Toto by ste si mali v\u0161\u00edma\u0165:<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Poplatky\u00a0<\/b><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">za poskytnutie \u00faveru<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">za pr\u00edpadn\u00fd znaleck\u00fd posudok pri odhade ceny nehnute\u013enosti<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">za postupn\u00e9 \u010derpanie \u00faveru<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">za doplnkov\u00e9 slu\u017eby ako be\u017en\u00fd \u00fa\u010det, poistenie nehnute\u013enosti, poistenie \u00faveru, kreditn\u00fa kartu k \u00faveru<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>RPM<span style=\"color: #ec8124;\">N<\/span><\/b> <span style=\"font-weight: 400;\">(ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov)<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u010di\u017ee ko\u013eko v skuto\u010dnosti zaplat\u00edte ro\u010dne za to, \u017ee ste si po\u017ei\u010dali. Zah\u0155\u0148a <strong>v\u0161etky n\u00e1klady<\/strong> na \u00faver vr\u00e1tane poplatkov za spracovanie \u00faveru, znaleck\u00fd posudok \u010di poistenie \u00faveru a nehnute\u013enosti.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Doba fix\u00e1cie<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">,<\/span> na ktor\u00fa si chcete zastabilizova\u0165 v\u00fd\u0161ku mesa\u010dnej spl\u00e1tky<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">m\u00f4\u017eete si ju sami zvoli\u0165. Spravidla plat\u00ed, \u017ee \u010d\u00edm je ni\u017e\u0161ia fix\u00e1cia, t\u00fdm ni\u017e\u0161\u00ed je aj \u00farok. Ale pozor, nikdy neviete, \u010do bude o 3 roky, preto si dobu fix\u00e1cie dobre zv\u00e1\u017ete. Dlh\u0161ia, 5-ro\u010dn\u00e1 fix\u00e1cia sa v\u00e1m m\u00f4\u017ee nesk\u00f4r vyplati\u0165.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ak si chcete <strong>porovna\u0165 hypot\u00e9ky z domu<\/strong> cez po\u010d\u00edta\u010d \u010di mobil, vyu\u017eite FinGO<\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"> <span style=\"font-weight: 400;\">hypotek\u00e1rnu kalkula\u010dku.<\/span><\/a><span style=\"font-weight: 400;\"> Ak uprednost\u0148ujete osobn\u00fd kontakt, m\u00f4\u017eete n\u00e1m zavola\u0165 na<\/span> <span style=\"font-weight: 400;\"><a href=\"tel:0800601060\">0800 60 10 60.<\/a><\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Porad\u00edme v\u00e1m s v\u00fdberom hypot\u00e9ky, p\u00f4jdeme za v\u00e1s do banky a pom\u00f4\u017eeme s papierovan\u00edm. Spolupracujeme so v\u0161etk\u00fdmi relevantn\u00fdmi bankami na Slovensku a pozn\u00e1me ich podmienky aj obmedzenia.<\/span><\/p>\n<\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Podmienky na z\u00edskanie hypot\u00e9ky<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Banky nemaj\u00fa na schv\u00e1lenie hypot\u00e9ky stanoven\u00fd presn\u00fd \u010das. Napr\u00edklad, hypot\u00e9ka na refinancovanie sa d\u00e1 vybavi\u0165 <strong>za p\u00e1r dn\u00ed.<\/strong> Pri k\u00fape e\u0161te nepostavenej nehnute\u013enosti to bude trva\u0165 <strong>ove\u013ea dlh\u0161ie.<\/strong> \u010cas zaber\u00fa nielen n\u00e1v\u0161tevy banky a prieskum trhu, ale aj dokladovanie po\u017eadovan\u00fdch dokumentov. D\u013a\u017eka sa tak m\u00f4\u017ee l\u00ed\u0161i\u0165. Od momentu, kedy vst\u00fapite do prvej banky a\u017e po \u010derpanie, to m\u00f4\u017eu by\u0165 aj tri mesiace.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak chcete dobu \u010dakania na vysn\u00edvan\u00e9 b\u00fdvanie skr\u00e1ti\u0165, obr\u00e1\u0165te sa na sk\u00fasen\u00e9ho<\/span> <a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/span><\/a><span style=\"font-weight: 400;\">. Vo FinGO.sk pozn\u00e1me schva\u013eovacie procesy a \u010dasto sa n\u00e1m podar\u00ed <strong>proces ur\u00fdchli\u0165.<\/strong><\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Ak\u00e9 s\u00fa<\/b> <b>podmienky na z\u00edskanie hypot\u00e9ky<\/b><\/span><\/h3>\n<h3><span style=\"color: #ec8124;\"><b>Pracovn\u00fd pomer a pr\u00edjem<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u0160tandardne mus\u00edte by\u0165 zamestnan\u00fd minim\u00e1lne 3 mesiace. Odpor\u00fa\u010dame v\u0161ak<strong> aspo\u0148 6 mesiacov,<\/strong> preto\u017ee v\u00e4\u010d\u0161ina b\u00e1nk bude v\u00e1\u0161 pr\u00edjem priemerova\u0165 pr\u00e1ve \u0161iestimi mesiacmi. <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/\">Podnika\u0165<\/a> by ste mali <strong>aspo\u0148 jeden rok<\/strong>, by\u0165 bez dl\u017e\u00f4b a va\u0161e da\u0148ov\u00e9 priznanie by malo by\u0165 samozrejme plusov\u00e9. Banka bude zoh\u013ead\u0148ova\u0165 va\u0161e v\u00fddavky vzh\u013eadom na \u017eivotn\u00e9 minimum. S\u00fa\u010det spl\u00e1tok va\u0161ich \u00faverov mus\u00ed by\u0165 po odpo\u010d\u00edtan\u00ed \u017eivotn\u00e9ho minima maxim\u00e1lne 60 % z toho, \u010do zarob\u00edte.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=maxhypo_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-3903 size-full\" 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\" width=\"1074\" height=\"759\" \/><\/a><\/span><b><\/b><\/h3>\n<h3><span style=\"color: #ec8124;\"><b>\u00daverov\u00e1 minulos\u0165 a spl\u00e1canie z\u00e1v\u00e4zkov\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010co tie\u017e zohr\u00e1 svoju rolu, je va\u0161e <\/span><span style=\"font-weight: 400;\">\u201e<\/span><span style=\"font-weight: 400;\">sk\u00f3re\u201d <a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">v \u00faverovom registri<\/a>. Banky bud\u00fa zis\u0165ova\u0165, \u010di spl\u00e1cate in\u00e9 \u00favery na\u010das, a \u010di nem\u00e1te nedoplatky a dlhy. Takisto ich bude zauj\u00edma\u0165 ako <strong>poctivo plat\u00edte<\/strong> svoje soci\u00e1lne a zdravotn\u00e9 poistenie a in\u00e9 z\u00e1v\u00e4zky vo\u010di \u0161t\u00e1tu.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Z\u00e1kladn\u00e9 podmienky bez oh\u013eadu na \u017eiadate\u013ea<\/b><\/span><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Maxim\u00e1lnu<\/strong> sumu \u010derpanej hypot\u00e9ky ur\u010duje v\u00fd\u0161ka va\u0161ich pr\u00edjmov. <\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Spl\u00e1ca\u0165<\/strong> ju m\u00f4\u017eete najmenej 4 roky, maximum je 30, v niektor\u00fdch bank\u00e1ch aj 40 rokov. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Hypot\u00e9ku dostanete na <strong>konkr\u00e9tny \u00fa\u010del<\/strong>. M\u00f4\u017ee to by\u0165 k\u00fapa nehnute\u013enosti, refinancovanie existuj\u00facich \u00faverov, <a href=\"https:\/\/www.fingo.sk\/blog\/rekonstrukcia-byvania-vyhodne-financovanie\/\">rekon\u0161trukcia<\/a> alebo \u00fadr\u017eba a v\u00fdstavba alebo aj bez \u00fa\u010delu, resp. kombin\u00e1ciou nieko\u013ek\u00fdch \u00fa\u010delov.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>\u010casto kladen\u00e9 ot\u00e1zky<\/b><\/span><\/h2>\n<h3><span style=\"color: #ec8124;\"><b><i>Treba dokladova\u0165 pr\u00edjem?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00c1no, okrem refinancovania, kedy sa len nahr\u00e1dza p\u00f4vodn\u00fd \u00faver nov\u00fdm. Vtedy nov\u00fd \u00faver mus\u00ed by\u0165 bez nav\u00fd\u0161enia, resp. s maxim\u00e1lnym povolen\u00fdm nav\u00fd\u0161en\u00edm 5 % alebo 2000 \u20ac, a to bez zmeny dl\u017en\u00edkov. Pokia\u013e pr\u00edjem zdokladujete v dostato\u010dnej v\u00fd\u0161ke, m\u00f4\u017eete refinancova\u0165 aj <strong>s nav\u00fd\u0161en\u00edm.<\/strong><\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>Ak\u00e9 s\u00fa po\u017eiadavky na zalo\u017een\u00fa nehnute\u013enos\u0165?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Mus\u00ed to by\u0165 nehnute\u013enos\u0165 ur\u010den\u00e1 na b\u00fdvanie, <strong>vysporiadan\u00e1 a riadne zap\u00edsan\u00e1<\/strong> v katastri nehnute\u013enost\u00ed. Tie\u017e mus\u00ed sp\u013a\u0148a\u0165 n\u00e1le\u017eitosti v zmysle stavebn\u00e9ho z\u00e1kona, by\u0165 ob\u00fdvate\u013en\u00e1, v dobrom technickom stave, so zabezpe\u010den\u00fdm pr\u00edstupom alebo v procese v\u00fdstavby pod\u013ea pr\u00e1voplatn\u00e9ho stavebn\u00e9ho povolenia.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>Ako prebieha \u010derpanie hypot\u00e9ky?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak nehnute\u013enos\u0165 kupujete, peniaze sa odo\u0161l\u00fa na \u00fa\u010det pred\u00e1vaj\u00faceho, a to<strong> jednorazovo alebo postupne<\/strong>. Z\u00e1le\u017e\u00ed od toho, \u010di hypot\u00e9ku \u010derp\u00e1te naraz alebo na viackr\u00e1t. Ke\u010f ide o hypot\u00e9ku na refinancovanie, suma sa odo\u0161le pod\u013ea vy\u010d\u00edslenia zostatku \u00faveru na \u00fa\u010det p\u00f4vodnej banky. T\u00fdm sa zabezpe\u010d\u00ed jeho korektn\u00e9 splatenie. Pri \u00fa\u010deloch ako je rekon\u0161trukcia, v\u00fdstavba alebo pri bez\u00fa\u010delovom \u00favere banka po\u0161le peniaze na v\u00e1\u0161 \u00fa\u010det.<\/span><\/p>\n<blockquote>\n<p>Mno\u017estvo praktick\u00fdch r\u00e1d a tipov, ktor\u00e9 vyu\u017eijete pri v\u00fdbere vhodnej hypot\u00e9ky, n\u00e1jdete aj V NA\u0160OM <a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu?utm_source=facebook&amp;utm_medium=post&amp;utm_campaign=18.12.&amp;fbclid=IwAR0AUTkrYid9D6hsEI_fjMLlVGwpbOBrCrcIV2op9PYFhZ3In6EbSV49zWM\">E-BOOKU, ktor\u00fd si m\u00f4\u017eete stiahnu\u0165 zadarmo<\/a><\/p>\n<\/blockquote>\n<p><a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\"><img decoding=\"async\" class=\"wp-image-4752 size-full aligncenter\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" alt=\"\" width=\"740\" height=\"387\" 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><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>Ako sa pren\u00e1\u0161a hypot\u00e9ka?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Na z\u00e1klade preuk\u00e1zania dostato\u010dne dlhej doby spl\u00e1cania p\u00f4vodnej hypot\u00e9ky. Je d\u00f4le\u017eit\u00e9 <strong>bezprobl\u00e9mov\u00e9 spl\u00e1canie<\/strong> \u00faveru a novej banke predlo\u017e\u00edte aktu\u00e1lne <strong>vy\u010d\u00edslenie<\/strong> zostatku \u00faveru. Pokia\u013e viete preuk\u00e1za\u0165 dostato\u010dn\u00fd pr\u00edjem, m\u00f4\u017eete hypot\u00e9ku refinancova\u0165 kedyko\u013evek.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>M\u00f4\u017eem ma\u0165 2 hypot\u00e9ky?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00c1no, vo v\u00e4\u010d\u0161ine b\u00e1nk je<strong> limitom<\/strong> va\u0161a finan\u010dn\u00e1 anal\u00fdza. \u00davery v\u00e1m m\u00f4\u017eu poskytn\u00fa\u0165 maxim\u00e1lne do limitu stanoven\u00e9ho NBS, \u010di\u017ee do 8-n\u00e1sobku v\u00e1\u0161ho \u010dist\u00e9ho ro\u010dn\u00e9ho pr\u00edjmu o\u010disten\u00e9ho o \u017eivotn\u00e9 minimum. Z\u00e1rove\u0148 va\u0161e \u00faverov\u00e9 spl\u00e1tky nesm\u00fa presiahnu\u0165 60 % tohto pr\u00edjmu. Obvykle banky financuj\u00fa <strong>80 % hodnoty<\/strong> nehnute\u013enosti, vo v\u00fdnimo\u010dn\u00fdch pr\u00edpadoch a\u017e 90 %.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>Je mo\u017en\u00e9 odlo\u017ei\u0165 spl\u00e1tky?<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako n\u00fadzov\u00e9 rie\u0161enie \u00e1no, dnes u\u017e v\u0161ak s negat\u00edvnym z\u00e1pisom do \u00faverov\u00e9ho registra. Ak si odlo\u017e\u00edte spl\u00e1tky, ide o ur\u010dit\u00fd prejav va\u0161ej platobnej neschopnosti a banka sa na v\u00e1s m\u00f4\u017ee v bud\u00facnosti negat\u00edvne pozera\u0165 ako na nie ve\u013emi spo\u013eahliv\u00e9ho dl\u017en\u00edka. To znamen\u00e1, \u017ee v\u00e1m poskytne <strong>hor\u0161ie podmienky<\/strong> na \u00farok vo v\u00fdro\u010d\u00ed fix\u00e1cie a s\u0165a\u017eia sa va\u0161e mo\u017enosti refinancovania tak\u00e9hoto \u00faveru.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b><i>Ak\u00e1 je podmienka da\u0148ov\u00e9ho bonusu na b\u00fdvanie?\u00a0<\/i><\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Vek <strong>35 rokov<\/strong> a mus\u00edte sp\u013a\u0148a\u0165 stanoven\u00fd <strong>pr\u00edjmov\u00fd strop.<\/strong> T\u00fato v\u00fdhodu m\u00f4\u017eete vyu\u017ei\u0165 vo forme <a href=\"https:\/\/www.fingo.sk\/blog\/danovy-bonus-na-uroky-z-hypoteky\/\">da\u0148ov\u00e9ho bonusu<\/a> na zaplaten\u00e9 \u00faroky, ktor\u00e9 si uplatn\u00edte s\u00e1m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zauj\u00edma v\u00e1s e\u0161te nie\u010do, ale odpove\u010f ste nena\u0161li? Na\u0161i <strong>profesion\u00e1lni finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<\/strong> v\u00e1m pom\u00f4\u017eu. Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a> alebo zanechajte va\u0161e kontaktn\u00e9 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a prepoj\u00edme v\u00e1s so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/span><\/p>\n\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\/4703#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\n","protected":false},"excerpt":{"rendered":"<p>Pand\u00e9mia koronav\u00edrusu, neist\u00fd v\u00fdvoj ekonomiky \u010di lockdowny. To v\u0161etko by mohlo vpl\u00fdva\u0165 na mo\u017enos\u0165 z\u00edska\u0165 vysn\u00edvan\u00e9 b\u00fdvanie. Na\u0161\u0165astie, na Slovensku tieto udalosti hypotek\u00e1rny trh a\u017e tak nepozna\u010dili. V\u00fd\u0161ka \u00farokovej sadzby je st\u00e1le rekordne n\u00edzka, cca 1 %. Aspo\u0148 zatia\u013e. V susednom \u010cesku \u00farokov\u00e9 sadzby raketovo st\u00fapli, ich hodnota dosahuje v lep\u0161om pr\u00edpade 3,5 %. Preto, ak ste hypot\u00e9ku pl\u00e1novali a financie v\u00e1m to dovolia, vybavte si ju \u010d\u00edm sk\u00f4r.\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate: \u010co budete potrebova\u0165 pri vybavovan\u00ed hypot\u00e9ky Ako porovn\u00e1va\u0165 ponuky b\u00e1nk a ako v\u00e1m pom\u00f4\u017ee FinGO.sk Ak\u00e9 s\u00fa v s\u00fa\u010dasnosti podmienky, aby ste mohli z\u00edska\u0165 hypot\u00e9ku \u010casto kladen\u00e9 ot\u00e1zky o pr\u00edjme, nehnute\u013enosti, \u010derpan\u00ed \u00faveru a podobne\u00a0 Na to, \u010di v\u00e1m schv\u00e1lia hypot\u00e9ku vpl\u00fdva mno\u017estvo faktorov. Banka bude zis\u0165ova\u0165, ako dlho ste zamestnan\u00fd alebo podnik\u00e1te. Tie\u017e to, ak\u00e9 s\u00fa va\u0161e pr\u00edjmy vzh\u013eadom na v\u00fddavky a sumu, ktor\u00fa si chcete po\u017ei\u010da\u0165. O v\u00fd\u0161ke hypot\u00e9ky, ktor\u00fa dostanete, m\u00f4\u017ee rozhodn\u00fa\u0165 aj to, kde pracujete. T\u00fdka sa to hlavne zamestnancov v gastre, hotelierstve alebo \u013eud\u00ed pracuj\u00facich v zahrani\u010d\u00ed. Ak patr\u00edte do tejto skupiny, nemus\u00edte z\u00fafa\u0165, nie v\u0161etky banky to bude zauj\u00edma\u0165. \u010co budete potrebova\u0165 pri vybavovan\u00ed hypot\u00e9ky\u00a0 Hypot\u00e9ka je najlacnej\u0161\u00ed sp\u00f4sob na financovanie b\u00fdvania, ale nepochybne v\u00e1m zaberie ve\u013ea \u010dasu. Mus\u00edte obeha\u0165 banky, [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":4707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,73],"tags":[23,205,22,36,28],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako vybavi\u0165 hypot\u00e9ku, krok za krokom - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ak pl\u00e1nujete hypot\u00e9ku a financie v\u00e1m to dovolia, vybavte si ju \u010d\u00edm sk\u00f4r. 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