{"id":7549,"date":"2023-06-19T21:04:12","date_gmt":"2023-06-19T19:04:12","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7549"},"modified":"2023-07-14T16:05:40","modified_gmt":"2023-07-14T14:05:40","slug":"porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/","title":{"rendered":"Chyst\u00e1te sa rekon\u0161truova\u0165? Porovnajte si, \u010di sa oplat\u00ed viac hypot\u00e9ka alebo spotreb\u00e1k"},"content":{"rendered":"\n<p><strong>Ak pl\u00e1nujete<\/strong> <strong>rekon\u0161trukciu domu \u010di bytu, mus\u00edte sa pripravi\u0165 na to, \u017ee v\u00e1s \u00faver z banky vyjde drah\u0161ie ako vlani. St\u00e1le v\u0161ak plat\u00ed, \u017ee hypot\u00e9ka sa na prer\u00e1bky oplat\u00ed viac ako spotreb\u00e1k. Porovnali sme pre v\u00e1s aktu\u00e1lne \u00faroky a spl\u00e1tky r\u00f4znych \u00faverov a sp\u00edsali aj v\u0161etky d\u00f4le\u017eit\u00e9 rady, ktor\u00e9 sa oplat\u00ed vedie\u0165.<\/strong><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>Pre\u010do je na rekon\u0161trukciu lep\u0161ia hypot\u00e9ka ako spotrebn\u00fd \u00faver<\/li>\n\n\n\n<li>\u010co v pr\u00edpade, ak u\u017e jednu hypot\u00e9ku spl\u00e1cate<\/li>\n\n\n\n<li>Pr\u00edklady, ko\u013eko v\u00e1s \u00faver m\u00f4\u017ee st\u00e1\u0165<\/li>\n\n\n\n<li>Ak\u00e9 prer\u00e1bky viete financova\u0165 hypot\u00e9kou<\/li>\n\n\n\n<li>Pre\u010do si v\u017edy <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\" target=\"_blank\" rel=\"noreferrer noopener\">porovna\u0165 ponuky viacer\u00fdch b\u00e1nk<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Viac ako dvojn\u00e1sobn\u00e9 \u00farokov\u00e9 sadzby oproti minul\u00e9mu roku<\/strong><\/p>\n\n\n\n<p>Pri poh\u013eade na aktu\u00e1lne \u00farokov\u00e9 sadzby v bank\u00e1ch je jasn\u00e9, \u017ee tak ako k\u00fapa nehnute\u013enosti, aj financovanie rekon\u0161trukcie b\u00fdvania v\u00e1s vyjde viac ako pred rokom. Vlani o takomto \u010dase sa priemern\u00e9 \u00farokov\u00e9 sadzby na nov\u00fdch hypot\u00e9kach h\u00fdbali okolo 1,8 %, dnes v banke viete z\u00edska\u0165 \u00farokov\u00fa sadzbu okolo 4 %.<\/p>\n\n\n\n<p><strong>Pr\u00edklad:<\/strong> Ak by sme si to chceli ilustrova\u0165 na pr\u00edklade, pri 50-tis\u00edcovom \u00favere so splatnos\u0165ou 20 rokov by pred rokom vy\u0161la mesa\u010dn\u00e1 spl\u00e1tka 248 eur, pri dne\u0161n\u00fdch \u00farokoch je to 303 eur.<\/p>\n\n\n\n<p>Ak v\u0161ak potrebujete peniaze na b\u00fdvanie, netreba vy\u010dk\u00e1va\u0165 na ni\u017e\u0161ie \u00faroky. Vzh\u013eadom k s\u00fa\u010dasnej vysokej infl\u00e1cii a menovej politike Eur\u00f3pskej centr\u00e1lnej banky sa neo\u010dak\u00e1va, \u017ee by sadzby v priebehu roku 2023 alebo za\u010diatkom roka 2024 v\u00fdraznej\u0161ie klesli. Nikto z n\u00e1s nevie s istotu predpoveda\u0165, \u010do sa bude dia\u0165 na trhu. Ale je pravdepodobnej\u0161ie, \u017ee \u00faroky v najbli\u017e\u0161\u00edch mesiacoch e\u0161te mierne narast\u00fa. Ak sa chcete dozvedie\u0165 viac o v\u00fdvoji \u00farokov\u00fdch sadzieb, o poklese cien nehnute\u013enost\u00ed \u010di o dostupnosti \u00faverov, pre\u010d\u00edtajte si blog <a href=\"https:\/\/www.fingo.sk\/blog\/8-najcastejsich-otazok-o-hypotekach-a-realitach-v-roku-2023\/\">8 naj\u010dastej\u0161\u00edch ot\u00e1zok o hypot\u00e9kach a realit\u00e1ch v roku 2023<\/a>. <\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Hypot\u00e9ku vybav\u00edte aj do t\u00fd\u017ed\u0148a<\/strong><\/p>\n\n\n\n<p>Pusti\u0165 sa do men\u0161ej \u010di v\u00e4\u010d\u0161ej rekon\u0161trukcie je ve\u013ek\u00fd krok a jeho financovanie si premyslite v predstihu.<\/p>\n\n\n\n<ul>\n<li>Odpor\u00fa\u010dame rekon\u0161trukciu b\u00fdvania financova\u0165 formou hypot\u00e9ky. V porovnan\u00ed so spotrebn\u00fdm \u00faverom je nielen lacnej\u0161ia, ale v\u010faka svojej&nbsp;variabilite a dlhej splatnosti je najvhodnej\u0161\u00edm typom \u00faveru na tento \u00fa\u010del.<\/li>\n\n\n\n<li>\u010eal\u0161ou v\u00fdhodou je aj to, \u017ee s\u00fa\u010dasn\u00fd vy\u0161\u0161\u00ed \u00farok na hypot\u00e9ke nebudete ma\u0165 nemenn\u00fd na cel\u00fa dobu spl\u00e1cania ako je to pri spotrebnom \u00favere.<\/li>\n\n\n\n<li>Dnes si s\u00edce pri hypot\u00e9ke za \u00farok priplat\u00edte viac ako vlani, av\u0161ak je vysok\u00e1 \u0161anca, \u017ee v bud\u00facnosti sa do\u010dk\u00e1te jeho zn\u00ed\u017eenia.<\/li>\n\n\n\n<li>Pri spotrebnom \u00favere, ktor\u00fd by ste dnes mohli z\u00edska\u0165 s \u00farokom okolo 6 %, u\u017e m\u00e1te t\u00fato sadzbu fixn\u00fa na cel\u00fa dobu splatnosti p\u00f4\u017ei\u010dky, bez oh\u013eadu na v\u00fdvoj trhu.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pr\u00edklad: <\/strong>Ak si dnes napr\u00edklad zvol\u00edte 3-ro\u010dn\u00fa fix\u00e1ciu, \u00faver m\u00f4\u017eete z\u00edska\u0165 so sadzbou od 3,6 %. T\u00e1 sa v\u00e1m po troch rokoch zmen\u00ed pod\u013ea toho, ak\u00e1 bude aktu\u00e1lna situ\u00e1cia na trhu. Odhaduje sa, \u017ee strop \u00farokov v tom \u010dase u\u017e bude za nami a vy \u00faver m\u00f4\u017eete teoreticky refixova\u0165 s e\u0161te lep\u0161\u00edmi podmienkami.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Po dodan\u00ed v\u0161etk\u00fdch potrebn\u00fdch podkladov do banky samotn\u00e9 schv\u00e1lenie a na\u010derpanie hypot\u00e9ky netrv\u00e1 dlho, m\u00f4\u017ee to by\u0165 jeden \u010di dva t\u00fd\u017edne.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" class=\"wp-image-6819\"\/><\/a><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co ak u\u017e jednu hypot\u00e9ku spl\u00e1cate?<\/strong><\/p>\n\n\n\n<p>Ak u\u017e hypot\u00e9ku na svojom dome \u010di byte m\u00e1te, neznamen\u00e1 to hne\u010f, \u017ee u\u017e nem\u00f4\u017eete od banky z\u00edska\u0165 \u010fal\u0161ie zdroje. Podstatn\u00e9 je to, aby zostatok v\u00e1\u0161ho existuj\u00faceho \u00faveru plus pl\u00e1novan\u00fd nov\u00fd \u00faver tvoril maxim\u00e1lne 80 % hodnoty nehnute\u013enosti. Inak povedan\u00e9, mus\u00edte ma\u0165 dostato\u010dne hodnotn\u00e9 zabezpe\u010denie v pomere k celkov\u00e9mu pl\u00e1novan\u00e9mu dlhu. Aj tu plat\u00ed, \u017ee banky obvykle poskytuj\u00fa financovanie maxim\u00e1lne do 80 % hodnoty nehnute\u013enosti.<\/p>\n\n\n\n<p>Ak je teda dostato\u010dn\u00e1 hodnota bytu \u010di domu, t\u00e1to nehnute\u013enos\u0165 m\u00f4\u017ee sl\u00fa\u017ei\u0165 ako zabezpe\u010denie pokojne aj na dvoch hypot\u00e9kach, pozor v\u0161ak, v\u017edy len v tej istej banke. \u013dudia dokonca m\u00f4\u017eu vyu\u017ei\u0165 to, \u017ee ceny nehnute\u013enost\u00ed za posledn\u00e9 roky v\u00fdraznej\u0161ie nar\u00e1stli na hodnote, preto m\u00f4\u017eu v\u010faka nov\u00e9mu ohodnoteniu, teda s nov\u00fdm znaleck\u00fdm posudkom z\u00edska\u0165 \u010fal\u0161iu kapacitu na \u00faver, aj ke\u010f kedysi mo\u017eno p\u00f4vodn\u00fd \u00faver tvoril spom\u00ednan\u00fdch 80% hodnoty bytu \u010di domu, ktor\u00e1 v\u0161ak dnes m\u00f4\u017ee by\u0165 pokojne vy\u0161\u0161ia a z\u00e1rove\u0148 sa medzi\u010dasom zn\u00ed\u017eil zostatok p\u00f4vodn\u00e9ho dlhu.<\/p>\n\n\n\n<p>Nav\u00fd\u0161enie hypot\u00e9ky o potrebn\u00fa sumu na rekon\u0161trukciu sa v\u0161ak d\u00e1 spravi\u0165 len ako refinancovanie p\u00f4vodn\u00e9ho \u00faveru s nav\u00fd\u0161en\u00edm. \u010ci\u017ee ak m\u00e1te na p\u00f4vodnej hypot\u00e9ke v\u00fdhodnej\u0161\u00ed \u00farok, toto rie\u0161enie sa v dne\u0161nej dobe neodpor\u00fa\u010da. Lep\u0161ie bude, ak si zoberiete druh\u00fa samostatn\u00fa hypot\u00e9ku a p\u00f4vodn\u00fa zostanete spl\u00e1ca\u0165 s doteraj\u0161\u00edmi podmienkami.<\/p>\n\n\n\n<p>Samozrejme, v tomto pr\u00edpade m\u00f4\u017eete nov\u00fa hypot\u00e9ku rie\u0161i\u0165 len v tej banke, ktor\u00e1 v\u00e1m poskytla prv\u00fa hypot\u00e9ku a na liste vlastn\u00edctva u\u017e m\u00e1 zap\u00edsan\u00e9 z\u00e1lo\u017en\u00e9 pr\u00e1vo na va\u0161u nehnute\u013enos\u0165. Aj v tomto pr\u00edpade budete musie\u0165 splni\u0165 z\u00e1kladn\u00e9 krit\u00e9ri\u00e1 banky. Nejde len o spom\u00ednan\u00fa dostato\u010dn\u00fa hodnotu nehnute\u013enosti, ale aj o preuk\u00e1zanie pr\u00edjmu na spl\u00e1canie novej alebo nav\u00fd\u0161enej hypot\u00e9ky.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Prepo\u010det, ako to m\u00f4\u017ee vych\u00e1dza\u0165 a \u010di sa viac oplat\u00ed zobra\u0165 druh\u00fa hypot\u00e9ku, pr\u00edpadne rad\u0161ej refinancova\u0165 p\u00f4vodn\u00fa a nav\u00fd\u0161i\u0165 ju, v\u00e1m ochotne spracuje <a href=\"https:\/\/www.fingo.sk\/kontakty\">sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e.<\/a><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Kedy rad\u0161ej siahnu\u0165 po spotrebnom \u00favere<\/strong><\/p>\n\n\n\n<p>Niekedy klienti pri prer\u00e1bkach siahaj\u00fa po spotrebn\u00fdch \u00faveroch, ktor\u00e9 banky poskytuj\u00fa a\u017e do 40 000 eur. Ako sme u\u017e spomenuli, ich nev\u00fdhodou s\u00fa vy\u0161\u0161ie \u00faroky a obmedzen\u00e1 splatnos\u0165, v\u00fdhodou je r\u00fdchlej\u0161ie vybavenie a ni\u017e\u0161ie vstupn\u00e9 n\u00e1klady.<\/p>\n\n\n\n<p>\u013dudia siahaj\u00fa po spotrebite\u013esk\u00fdch p\u00f4\u017ei\u010dk\u00e1ch aj v pr\u00edpade, ak u\u017e maj\u00fa v prospech banky zalo\u017een\u00fd byt \u010di dom, ktor\u00fd potrebuj\u00fa rekon\u0161truova\u0165 a hodnota dlhu v pomere k hodnote nehnute\u013enosti im neumo\u017e\u0148uje zobra\u0165 si hypot\u00e9ku s ru\u010den\u00edm touto nehnute\u013enos\u0165ou.<\/p>\n\n\n\n<p><strong>Pozor! <\/strong>Limituj\u00facou je splatnos\u0165 p\u00f4\u017ei\u010dky, ktor\u00e1 je maxim\u00e1lne 8 rokov. Pri vysok\u00fdch objemoch \u00faveru to znamen\u00e1 v\u00fdrazne vy\u0161\u0161iu spl\u00e1tku ako by vych\u00e1dzala pri hypot\u00e9ke na 20 \u010di 30 rokov. Uk\u00e1\u017eeme si to aj v pr\u00edkladoch ni\u017e\u0161ie.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Porovnali sme pre v\u00e1s \u00favery<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\">Prem\u00fd\u0161\u013eate nad \u00faverom na rekon\u0161trukciu vo v\u00fd\u0161ke 15 000 \u20ac, 25 000 \u20ac alebo 35 000 \u20ac? Porovnajte si, ko\u013eko v\u00e1s v s\u00fa\u010dasnosti m\u00f4\u017ee st\u00e1\u0165 hypot\u00e9ka a ko\u013eko spotrebn\u00fd \u00faver.<\/p>\n\n\n\n<p>Ak by ste na rekon\u0161trukciu potrebovali 35 000 eur, hypot\u00e9ka s \u00farokom 4,19 % a splatnos\u0165ou 15 rokov v\u00e1s bude mesa\u010dne st\u00e1\u0165 262 eur. Pre porovnanie, spotrebn\u00fd \u00faver s \u00farokom 6,69 % v\u00e1m z rozpo\u010dtu ka\u017ed\u00fd mesiac ukroj\u00ed a\u017e 472 eur. Rozdiel v mesa\u010dnej spl\u00e1tke je v tomto pr\u00edpade 210 eur. Ke\u010f si porovn\u00e1me celkov\u00e9 preplatenie t\u00fdchto \u00faverov, vy\u0161\u0161ie to vych\u00e1dza pri hypot\u00e9ke kv\u00f4li jej dlh\u0161ej splatnosti, av\u0161ak s v\u00fdrazne ni\u017e\u0161ou mesa\u010dnou spl\u00e1tkou. Z\u00e1rove\u0148 je tu vysok\u00fd predpoklad, \u017ee po v\u00fdro\u010d\u00ed fix\u00e1cie \u00farokov\u00e1 sadzba poklesne, a teda sa zn\u00ed\u017ei aj celkov\u00e9 preplatenie hypot\u00e9ky.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"853\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b-1024x853.png\" alt=\"\" class=\"wp-image-7576\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b-1024x853.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b-768x640.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b-1080x899.png 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_01b.png 1196w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\">Chcete po\u017eiada\u0165 o hypot\u00e9ku na rekon\u0161trukciu vo v\u00fd\u0161ke 60 000 \u20ac?<\/p>\n\n\n\n<p>Predstavme si, \u017ee o hypot\u00e9ku 60 000 \u20ac \u017eiada rodina s jedn\u00fdm die\u0165a\u0165om a s celkov\u00fdm \u010dist\u00fdm pr\u00edjmom 1 300 \u20ac. Obaja s\u00fa zamestnan\u00ed na trval\u00fd pracovn\u00fd pomer, pr\u00edpadne m\u00f4\u017ee \u00eds\u0165 aj o situ\u00e1ciu, ak je \u017eena na rodi\u010dovskej dovolenke a pober\u00e1 rodi\u010dovsk\u00fd pr\u00edspevok. T\u00e1to rodina v bank\u00e1ch m\u00f4\u017ee z\u00edska\u0165 r\u00f4zne podmienky a ak jej makl\u00e9r n\u00e1jde najv\u00fdhodnej\u0161ie rie\u0161enie, na mesa\u010dnej spl\u00e1tke vie u\u0161etri\u0165 aj desiatky eur.<\/p>\n\n\n\n<p>K\u00fdm jedna banka im pon\u00fakne \u00farokov\u00fa sadzbu 3,6 % a spl\u00e1tku 273 eur, v inej m\u00f4\u017eu dosta\u0165 \u00farok 4,59 % a spl\u00e1tku 307 eur. V tomto pr\u00edpade vznik\u00e1 rozdiel 34 eur, ktor\u00e9 rodi\u010dia vedia vhodne investova\u0165, \u010di u\u017e na \u0161t\u00fadium svojho die\u0165a\u0165a alebo na in\u00e9 ciele spojen\u00e9 s b\u00fdvan\u00edm alebo aj s d\u00f4chodkom a podobne.\u00a0 <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"853\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b-1024x853.png\" alt=\"\" class=\"wp-image-7578\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b-1024x853.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b-768x640.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b-1080x899.png 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_02b.png 1196w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Rozdiely v jednotliv\u00fdch bank\u00e1ch sa t\u00fdkaj\u00fa nielen \u00farokov a poplatkov, ale aj posudzovania bonity klienta. Napr\u00edklad pri pr\u00edjme z podnikania banky r\u00f4zne posudzuj\u00fa akcept\u00e1ciu pr\u00edjmu, z \u010doho vypl\u00fdvaj\u00fa aj rozdiely v schv\u00e1lenej maxim\u00e1lnej mo\u017enej v\u00fd\u0161ke \u00faveru. Napr\u00edklad slobodn\u00fd, bezdetn\u00fd \u017eivnostn\u00edk, ktor\u00fd m\u00e1 pod\u013ea da\u0148ov\u00e9ho priznania ro\u010dn\u00e9 pr\u00edjmy 20 000 eur, m\u00f4\u017ee v jednej banke z\u00edska\u0165 hypot\u00e9ku 60 000 eur, in\u00e1 banka mu schv\u00e1li maxim\u00e1lne 33 400 eur a tretia banka mu \u00faver nedok\u00e1\u017ee poskytn\u00fa\u0165 v\u00f4bec. <\/p>\n\n\n\n<p>Tipy pre \u017eivnostn\u00edkov, ako z\u00edska\u0165 hypot\u00e9ku v roku 2023 n\u00e1jdete v <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/\">tomto blogu<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"853\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b-1024x853.png\" alt=\"\" class=\"wp-image-7579\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b-1024x853.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b-768x640.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b-1080x899.png 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/tlacova_sprava_hypo_ts_hypo_03b.png 1196w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co v\u0161etko m\u00f4\u017eete financova\u0165 hypot\u00e9kou na rekon\u0161trukciu?<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\">Rekon\u0161trukcia, na ktor\u00fa potrebujete stavebn\u00e9 povolenie:<\/p>\n\n\n\n<ul>\n<li>v pr\u00edpade, ak z\u00e1sadn\u00fdm sp\u00f4sobom men\u00edte stavbu \u2013 pristavujete, nadstavujete alebo rob\u00edte ve\u013ek\u00e9 stavebn\u00e9 \u00fapravy, ktor\u00fdmi zasahujete do nosn\u00fdch m\u00farov stavby<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\">Rekon\u0161truk\u010dn\u00e9 pr\u00e1ce s ohlasovacou povinnos\u0165ou stavebn\u00e9mu \u00faradu:<\/p>\n\n\n\n<ul>\n<li>udr\u017eiavacie pr\u00e1ce, ktor\u00e9 m\u00f4\u017eu ma\u0165 vplyv na stabilitu, po\u017eiarnu bezpe\u010dnos\u0165, \u017eivotn\u00e9 prostredie okolo stavby<\/li>\n\n\n\n<li>drobn\u00e9 stavby, ktor\u00e9 plnia doplnkov\u00fa \u00falohu k hlavnej stavbe, nem\u00f4\u017eu z\u00e1sadne ovplyvni\u0165 \u017eivotn\u00e9 prostredie a maj\u00fa do 25 m2 s maxim\u00e1lnou v\u00fd\u0161kou 5 m &#8211; napr\u00edklad k\u00f4lne, pr\u00e1\u010dovne, letn\u00e9 kuchyne, r\u00f4zne pr\u00edstre\u0161ky, ale aj oplotenia<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\">Stavebn\u00e9 \u00fapravy, ktor\u00e9 nemus\u00edte ohlasova\u0165 stavebn\u00e9mu \u00faradu:<\/p>\n\n\n\n<ul>\n<li>mal\u00e1 rekon\u0161trukcia, ktor\u00e1 pln\u00ed udr\u017eiavaciu funkciu stavby, men\u00ed jej kvalitu, ale nemen\u00ed jej rozsah<\/li>\n\n\n\n<li>napr\u00edklad oprava a v\u00fdmena vn\u00fatorn\u00fdch prie\u010dok, ktor\u00e9 nie s\u00fa nosn\u00e9, v\u00fdmena okien a dver\u00ed, nov\u00e1 elektroin\u0161tal\u00e1cia vr\u00e1tane novej kabel\u00e1\u017ee a svietidiel, v\u00fdmena kotla, nov\u00e9 omietky a maliarske pr\u00e1ce, nov\u00e1 fas\u00e1da, oprava a v\u00fdmena stre\u0161nej krytiny, podl\u00e1h<\/li>\n\n\n\n<li>takisto aj v\u00fdmena zaria\u010fovac\u00edch predmetov, najm\u00e4 kuchynsk\u00fdch liniek, van\u00ed, vstavan\u00fdch skr\u00ed\u0148, ale aj oprava alebo v\u00fdmena oplotenia ak sa nemen\u00ed jeho trasa, oprava kom\u00ednov a podobne<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ak\u00e9 doklady potrebujete a ak\u00fd je postup pri hypot\u00e9ke na rekon\u0161trukciu?<\/strong><\/p>\n\n\n\n<ul>\n<li>Okrem \u0161tandardn\u00fdch dokladov k pr\u00edjmu a k nehnute\u013enosti je potrebn\u00e9 preuk\u00e1za\u0165 doklady k \u00fa\u010delu &#8211; naj\u010dastej\u0161ie ide o vyplnen\u00e9 tla\u010divo rozpo\u010det alebo s\u00fapis pl\u00e1novan\u00fdch pr\u00e1c a fotodokument\u00e1cia pred rekon\u0161trukciou.<\/li>\n\n\n\n<li>V ur\u010dit\u00fdch pr\u00edpadoch a pri niektor\u00fdch bank\u00e1ch dokonca aj pri \u00fa\u010delovej hypot\u00e9ke na rekon\u0161trukciu nepotrebujete \u017eiadne dokladovanie \u00fa\u010delu.<\/li>\n\n\n\n<li>Pokia\u013e ide o rozsiahlej\u0161iu rekon\u0161trukciu, ktor\u00e1 si vy\u017eaduje stavebn\u00e9 konanie, banka bude po\u017eadova\u0165 dolo\u017ei\u0165 aj stavebn\u00e9 povolenie.<\/li>\n\n\n\n<li>N\u00e1sledne po \u010derpan\u00ed \u00faveru budete ma\u0165 6, v niektor\u00fdch bank\u00e1ch a\u017e 12 mesiacov na to, aby ste svoj byt \u010di dom zrekon\u0161truovali a vydokladovali prer\u00e1bku. V\u00e4\u010d\u0161inou sta\u010d\u00ed, ak predlo\u017e\u00edte fotodokument\u00e1ciu so zrealizovanou rekon\u0161trukciou. Tak\u00e1to forma sa vyu\u017e\u00edva najm\u00e4 pri svojpomocnej realiz\u00e1cii moderniz\u00e1cie b\u00fdvania.<\/li>\n\n\n\n<li>V niektor\u00fdch pr\u00edpadoch, ak sa tak vopred s bankou dohodnete, m\u00f4\u017eu ako doklady o rekon\u0161trukcii sl\u00fa\u017ei\u0165 fakt\u00fary alebo blo\u010dky, najm\u00e4 pokia\u013e ste prer\u00e1bku realizovali dod\u00e1vate\u013esky na z\u00e1klade zmluvy o dielo.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Porovnajte si viacer\u00e9 banky<\/strong><\/p>\n\n\n\n<p>Nezabudnite, \u017ee medzi bankami existuj\u00fa v\u00fdrazn\u00e9 rozdiely, a to nielen v ponuke \u00farokov, ale aj v posudzovan\u00ed \u017eiadate\u013ea o \u00faver a takisto aj v sp\u00f4sobe \u010derpania hypot\u00e9ky na rekon\u0161trukciu.<\/p>\n\n\n\n<ul>\n<li>Pri v\u00fdbere spr\u00e1vnej banky z\u010faleka nejde len o porovnanie \u00farokov\u00fdch sadzieb.<\/li>\n\n\n\n<li>Treba bra\u0165 do \u00favahy aj akcept\u00e1ciu v\u00e1\u0161ho pr\u00edjmu \u010di zakladanej nehnute\u013enosti ako aj to, \u010do v\u0161etko mus\u00edte k rekon\u0161trukcii preuk\u00e1za\u0165.<\/li>\n\n\n\n<li>Aj preto sa oplat\u00ed <a href=\"https:\/\/www.fingo.sk\/kontakty\">oslovi\u0165 finan\u010dn\u00e9ho makl\u00e9ra<\/a>, ktor\u00fd v\u00e1m objekt\u00edvne porovn\u00e1 mo\u017enosti vo viacer\u00fdch bank\u00e1ch.<\/li>\n\n\n\n<li>\u00daver na rekon\u0161trukciu tak vybav\u00edte r\u00fdchlej\u0161ie a v\u00fdhodnej\u0161ie.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP:<\/strong> Aktu\u00e1lne ponuky b\u00e1nk si m\u00f4\u017eete porovna\u0165 aj cez na\u0161u <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypotek\u00e1rnu kalkula\u010dku.<\/a><\/p>\n\n\n\n<p>Alebo n\u00e1m rovno zavolajte na 0800 60 10 60 a r\u00fdchlej\u0161ie v\u00e1s spoj\u00edme so sk\u00fasen\u00fdm finan\u010dn\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\n\n\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\/7549#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>Ak pl\u00e1nujete rekon\u0161trukciu domu \u010di bytu, mus\u00edte sa pripravi\u0165 na to, \u017ee v\u00e1s \u00faver z banky vyjde drah\u0161ie ako vlani. St\u00e1le v\u0161ak plat\u00ed, \u017ee hypot\u00e9ka sa na prer\u00e1bky oplat\u00ed viac ako spotreb\u00e1k. Porovnali sme pre v\u00e1s aktu\u00e1lne \u00faroky a spl\u00e1tky r\u00f4znych \u00faverov a sp\u00edsali aj v\u0161etky d\u00f4le\u017eit\u00e9 rady, ktor\u00e9 sa oplat\u00ed vedie\u0165. V \u010dl\u00e1nku sa do\u010d\u00edtate: Viac ako dvojn\u00e1sobn\u00e9 \u00farokov\u00e9 sadzby oproti minul\u00e9mu roku Pri poh\u013eade na aktu\u00e1lne \u00farokov\u00e9 sadzby v bank\u00e1ch je jasn\u00e9, \u017ee tak ako k\u00fapa nehnute\u013enosti, aj financovanie rekon\u0161trukcie b\u00fdvania v\u00e1s vyjde viac ako pred rokom. Vlani o takomto \u010dase sa priemern\u00e9 \u00farokov\u00e9 sadzby na nov\u00fdch hypot\u00e9kach h\u00fdbali okolo 1,8 %, dnes v banke viete z\u00edska\u0165 \u00farokov\u00fa sadzbu okolo 4 %. Pr\u00edklad: Ak by sme si to chceli ilustrova\u0165 na pr\u00edklade, pri 50-tis\u00edcovom \u00favere so splatnos\u0165ou 20 rokov by pred rokom vy\u0161la mesa\u010dn\u00e1 spl\u00e1tka 248 eur, pri dne\u0161n\u00fdch \u00farokoch je to 303 eur. Ak v\u0161ak potrebujete peniaze na b\u00fdvanie, netreba vy\u010dk\u00e1va\u0165 na ni\u017e\u0161ie \u00faroky. Vzh\u013eadom k s\u00fa\u010dasnej vysokej infl\u00e1cii a menovej politike Eur\u00f3pskej centr\u00e1lnej banky sa neo\u010dak\u00e1va, \u017ee by sadzby v priebehu roku 2023 alebo za\u010diatkom roka 2024 v\u00fdraznej\u0161ie klesli. Nikto z n\u00e1s nevie s istotu predpoveda\u0165, \u010do sa bude dia\u0165 na trhu. Ale je pravdepodobnej\u0161ie, \u017ee [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":7564,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Chyst\u00e1te sa rekon\u0161truova\u0165? Porovnajte si, \u010di sa oplat\u00ed viac hypot\u00e9ka alebo spotreb\u00e1k - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9ka alebo spotrebn\u00fd \u00faver? Porovnali sme pre v\u00e1s aktu\u00e1lne ponuky a sp\u00edsali d\u00f4le\u017eit\u00e9 rady, ktor\u00e9 sa oplat\u00ed vedie\u0165 pred rekon\u0161trukciou.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chyst\u00e1te sa rekon\u0161truova\u0165? Porovnajte si, \u010di sa oplat\u00ed viac hypot\u00e9ka alebo spotreb\u00e1k - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Hypot\u00e9ka alebo spotrebn\u00fd \u00faver? Porovnali sme pre v\u00e1s aktu\u00e1lne ponuky a sp\u00edsali d\u00f4le\u017eit\u00e9 rady, ktor\u00e9 sa oplat\u00ed vedie\u0165 pred rekon\u0161trukciou.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-19T19:04:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-14T14:05:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/Hypoteka-alebo-spotrebny-uver.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Eva \u0160ablov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva \u0160ablov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnajte-si-ci-sa-oplati-viac-hypoteka-alebo-spotrebny-uver\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Chyst\u00e1te sa rekon\u0161truova\u0165? 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