{"id":5994,"date":"2022-05-03T09:24:53","date_gmt":"2022-05-03T07:24:53","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=5994"},"modified":"2022-05-03T09:29:49","modified_gmt":"2022-05-03T07:29:49","slug":"10-rad-na-co-mysliet-pred-ziadostou-o-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/10-rad-na-co-mysliet-pred-ziadostou-o-hypoteku\/","title":{"rendered":"10 r\u00e1d, na \u010do myslie\u0165 pred \u017eiados\u0165ou o hypot\u00e9ku"},"content":{"rendered":"\n<p><b>Rast\u00face \u00farokov\u00e9 sadzby a n\u00edzka ponuka nehnute\u013enost\u00ed s\u00fa v s\u00fa\u010dasnosti pre mnoh\u00fdch \u013eud\u00ed impulzom, aby rie\u0161ili <\/b><strong>hypot\u00e9ku prakticky okam\u017eite ako im to ich finan\u010dn\u00e1 situ\u00e1cia dovol\u00ed. A najm\u00e4 hne\u010f, ako n\u00e1jdu svoj vysn\u00edvan\u00fd byt \u010di dom. M\u00e1me pre v\u00e1s nieko\u013eko odpor\u00fa\u010dan\u00ed, na \u010do myslie\u0165 e\u0161te pred \u017eiados\u0165ou o \u00faver. Z\u00edskate tak <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">v\u00fdhodn\u00fa hypot\u00e9ku<\/a> a z\u00e1rove\u0148 budete po\u010das jej spl\u00e1cania aj pokojne sp\u00e1va\u0165.<\/strong><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>Kedy je ide\u00e1lne pl\u00e1nova\u0165 hypot\u00e9ku<\/li>\n<li>Ako si zv\u00fd\u0161i\u0165 \u0161ance na \u00faver a lep\u0161iu \u00farokov\u00fa sadzbu<\/li>\n<li>Pre\u010do je d\u00f4le\u017eit\u00e9 porovn\u00e1va\u0165 hypot\u00e9ky vo v\u0161etk\u00fdch bank\u00e1ch<\/li>\n<li>Ako v\u00e1m pom\u00f4\u017eu experti z <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk,<\/a> ktor\u00ed patria k najlep\u0161\u00edm na trhu\u00a0\u00a0<\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">10 r\u00e1d, na \u010do myslie\u0165 pred \u017eiados\u0165ou o hypot\u00e9ku\u00a0<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>1.<\/strong> <\/span>Ak chcete z\u00edska\u0165 v banke \u010do najlep\u0161ie <a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke-1\/\">podmienky<\/a>, pl\u00e1nujte si hypot\u00e9ku v obdob\u00ed, ke\u010f budete ma\u0165 stabiln\u00fd a trval\u00fd pr\u00edjem, ide\u00e1lne dlh\u0161ie ako 1 rok bez zmeny. Obvykle sta\u010d\u00ed pracovn\u00fd pomer minim\u00e1lne 6 mesiacov, av\u0161ak dlhodobej\u0161ie zamestnanie v\u00e1m pozit\u00edvne ovplyvn\u00ed rating v banke.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>2.<\/strong> <\/span>Ur\u010dite pom\u00f4\u017ee, ak si v dostato\u010dnom predstihu prever\u00edte svoje finan\u010dn\u00e9 limity, aby ste mali predstavu, na ak\u00fa v\u00fd\u0161ku \u00faveru vzh\u013eadom na v\u00e1\u0161 pr\u00edjem m\u00f4\u017eete pom\u00fd\u0161\u013ea\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>3.<\/strong> <\/span>Majte re\u00e1lne o\u010dak\u00e1vania, prieskum v bank\u00e1ch v\u00e1m napovie, kde je <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">strop<\/a> va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed. Komplexn\u00e9 porovnanie hypot\u00e9k na trhu v\u00e1m vie ve\u013emi r\u00fdchlo pripravi\u0165 finan\u010dn\u00fd sprostredkovate\u013e.<\/span><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=maxhypo_gif\"><img decoding=\"async\" class=\"alignnone 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><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>4.<\/strong><\/span> V \u017eiadnom pr\u00edpade nepodpisujte rezerva\u010dn\u00fa zmluvu na k\u00fapu nehnute\u013enosti, pokia\u013e nem\u00e1te aspo\u0148 predbe\u017ene potvrden\u00fa priechodnos\u0165 hypot\u00e9ky v banke. Dajte pozor aj na \u00fahradu rezerva\u010dnej z\u00e1lohy, ktor\u00e1 nemus\u00ed by\u0165 v ka\u017edej realitnej kancel\u00e1rii vratn\u00e1 v pr\u00edpade zamietnutia \u00faveru.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>5.<\/strong> <\/span>Nepodce\u0148te d\u00f4kladn\u00fd prieskum trhu a porovnajte si ponuky hypot\u00e9k naprie\u010d cel\u00fdm bankov\u00fdm trhom. Zistite si v bank\u00e1ch nielen <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">v\u00fd\u0161ku \u00faroku<\/a>, spl\u00e1tky a sumu \u00faverov\u00e9ho limitu, ale aj detaily, \u010do v\u0161etko treba splni\u0165, aby ste dan\u00fa ponuku aj dostali.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>6.<\/strong> <\/span>Nechajte si skontrolova\u0165 aj podmienky va\u0161ich existuj\u00facich finan\u010dn\u00fdch produktov, ktor\u00e9 m\u00f4\u017eu s\u00favisie\u0165 s va\u0161imi pl\u00e1nmi a mo\u017enos\u0165ami v oblasti \u00faverovania.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>7.<\/strong><\/span> Myslite aj na to, ako dofinancujete hypot\u00e9ku. Ak nem\u00e1te potrebn\u00fdch 20 % vlastn\u00fdch zdrojov, m\u00f4\u017ee by\u0165 va\u0161a cesta k nov\u00e9mu b\u00fdvaniu komplikovanej\u0161ia.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Praktick\u00e9 rady, ako m\u00f4\u017eete \u010do najv\u00fdhodnej\u0161ie dofinancova\u0165 hypot\u00e9ku, n\u00e1jdete aj <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\"><span style=\"font-weight: 400;\">na na\u0161om blogu.\u00a0<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>8.<\/strong> <\/span>V banke m\u00f4\u017eete z\u00edska\u0165 lep\u0161\u00ed rating, ak u\u017e budete ma\u0165 nejak\u00fa \u00faverov\u00fa hist\u00f3riu. K tomu v\u00e1m pom\u00f4\u017ee aj nastaven\u00e9 povolen\u00e9 pre\u010derpanie na \u00fa\u010dte, ale ide\u00e1lne len vo v\u00fd\u0161ke p\u00e1r stoviek eur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">9.<\/span> <\/strong>E\u0161te predt\u00fdm, ako p\u00f4jdete do \u00faveru, zv\u00e1\u017ete aj pr\u00edpadn\u00e9 rizik\u00e1. Ako budete ma\u0165 zabezpe\u010den\u00e9 spl\u00e1canie \u00faveru? \u010co ak sa zmen\u00ed va\u0161a finan\u010dn\u00e1 situ\u00e1cia? Budete ma\u0165 dostato\u010dn\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">finan\u010dn\u00fa rezervu<\/a> na pokrytie zv\u00fd\u0161en\u00fdch mesa\u010dn\u00fdch v\u00fddavkov?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>10.<\/strong> <\/span>Nezab\u00fadajte, \u017ee cel\u00fdm procesom poskytnutia \u00faveru, vr\u00e1tane pl\u00e1nu na jeho efekt\u00edvne spl\u00e1canie v\u00e1s m\u00f4\u017ee previes\u0165 zadarmo finan\u010dn\u00fd sprostredkovate\u013e, s ktor\u00fdm u\u0161etr\u00edte ve\u013ea \u010dasu, stresov a aj pe\u0148az\u00ed.<\/span><\/p>\n<blockquote>\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\u00a0<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<p><a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter wp-image-4752 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" alt=\"Fingo_hypo_ebook\" 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><strong><span style=\"color: #ec8124;\">S FinGO.sk zv\u00fd\u0161ite va\u0161e \u0161ance na hypot\u00e9ku<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">V\u0161etky vy\u0161\u0161ie uveden\u00e9 ot\u00e1zky by ste mali ma\u0165 vyjasnen\u00e9 e\u0161te pred podan\u00edm \u017eiadosti o \u00faver. Inak zbyto\u010dne riskujete, \u017ee sa k hypot\u00e9ke nedopracujete alebo z\u00edskate \u00faver s hor\u0161\u00edmi podmienkami, ktor\u00e9 m\u00f4\u017eu prive\u013emi za\u0165a\u017ei\u0165 v\u00e1\u0161 mesa\u010dn\u00fd rozpo\u010det. <\/span><span style=\"font-weight: 400;\">Preto <\/span><span style=\"font-weight: 400;\">sa vopred pora\u010fte so sk\u00fasen\u00fdm <a href=\"https:\/\/www.fingo.sk\/kontakty\">hypotek\u00e1rnym \u0161pecialistom,<\/a> s ktor\u00fdmi zv\u00fd\u0161ite svoje \u0161ance na hypot\u00e9ku. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Je to rozhodne lep\u0161ia cesta, ako si hne\u010f poda\u0165 \u017eiadosti v bank\u00e1ch, kde by ste z r\u00f4znych d\u00f4vodov nepre\u0161li a zbyto\u010dne sa tak dostali do \u00faverov\u00e9ho registra.\u00a0<\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\">FinGO.sk v hypot\u00e9kach rekordne rastie. Na\u0161i finan\u010dn\u00ed makl\u00e9ri patria k t\u00fdm najlep\u0161\u00edm profesion\u00e1lom na trhu a ka\u017ed\u00fd de\u0148 sa stret\u00e1vaj\u00fa s desiatkami r\u00f4znych \u00faverov\u00fdch pr\u00edpadov. Na z\u00e1klade svojich sk\u00fasenost\u00ed a znalost\u00ed bankov\u00fdch \u0161pecif\u00edk v\u00e1s vedia spr\u00e1vne a bez<a href=\"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/\"> zbyto\u010dn\u00fdch pre\u0161\u013eapov<\/a> nasmerova\u0165 tam, kde to bude pre v\u00e1s ide\u00e1lne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky alebo online. Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <\/span><span style=\"color: #ec8124;\">zanechajte \u00fadaje <\/span>vo formul\u00e1ri ni\u017e\u0161ie<span style=\"font-weight: 400;\"> a my sa v\u00e1m ozveme.<\/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\/5994#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>Rast\u00face \u00farokov\u00e9 sadzby a n\u00edzka ponuka nehnute\u013enost\u00ed s\u00fa v s\u00fa\u010dasnosti pre mnoh\u00fdch \u013eud\u00ed impulzom, aby rie\u0161ili hypot\u00e9ku prakticky okam\u017eite ako im to ich finan\u010dn\u00e1 situ\u00e1cia dovol\u00ed. A najm\u00e4 hne\u010f, ako n\u00e1jdu svoj vysn\u00edvan\u00fd byt \u010di dom. M\u00e1me pre v\u00e1s nieko\u013eko odpor\u00fa\u010dan\u00ed, na \u010do myslie\u0165 e\u0161te pred \u017eiados\u0165ou o \u00faver. Z\u00edskate tak v\u00fdhodn\u00fa hypot\u00e9ku a z\u00e1rove\u0148 budete po\u010das jej spl\u00e1cania aj pokojne sp\u00e1va\u0165. V \u010dl\u00e1nku sa do\u010d\u00edtate: Kedy je ide\u00e1lne pl\u00e1nova\u0165 hypot\u00e9ku Ako si zv\u00fd\u0161i\u0165 \u0161ance na \u00faver a lep\u0161iu \u00farokov\u00fa sadzbu Pre\u010do je d\u00f4le\u017eit\u00e9 porovn\u00e1va\u0165 hypot\u00e9ky vo v\u0161etk\u00fdch bank\u00e1ch Ako v\u00e1m pom\u00f4\u017eu experti z FinGO.sk, ktor\u00ed patria k najlep\u0161\u00edm na trhu\u00a0\u00a0 10 r\u00e1d, na \u010do myslie\u0165 pred \u017eiados\u0165ou o hypot\u00e9ku\u00a0 1. Ak chcete z\u00edska\u0165 v banke \u010do najlep\u0161ie podmienky, pl\u00e1nujte si hypot\u00e9ku v obdob\u00ed, ke\u010f budete ma\u0165 stabiln\u00fd a trval\u00fd pr\u00edjem, ide\u00e1lne dlh\u0161ie ako 1 rok bez zmeny. Obvykle sta\u010d\u00ed pracovn\u00fd pomer minim\u00e1lne 6 mesiacov, av\u0161ak dlhodobej\u0161ie zamestnanie v\u00e1m pozit\u00edvne ovplyvn\u00ed rating v banke.\u00a0 2. Ur\u010dite pom\u00f4\u017ee, ak si v dostato\u010dnom predstihu prever\u00edte svoje finan\u010dn\u00e9 limity, aby ste mali predstavu, na ak\u00fa v\u00fd\u0161ku \u00faveru vzh\u013eadom na v\u00e1\u0161 pr\u00edjem m\u00f4\u017eete pom\u00fd\u0161\u013ea\u0165.\u00a0 3. Majte re\u00e1lne o\u010dak\u00e1vania, prieskum v bank\u00e1ch v\u00e1m napovie, kde je strop va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed. Komplexn\u00e9 porovnanie hypot\u00e9k na trhu [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6001,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[23,36,62,26,264],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 r\u00e1d, na \u010do myslie\u0165 pred \u017eiados\u0165ou o hypot\u00e9ku - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Na \u010do v\u0161etko myslie\u0165 e\u0161te pred \u017eiados\u0165ou o hypot\u00e9ku? 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