{"id":8793,"date":"2024-03-13T13:35:50","date_gmt":"2024-03-13T12:35:50","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8793"},"modified":"2024-03-13T13:42:55","modified_gmt":"2024-03-13T12:42:55","slug":"hypoteka-na-pozemok-7-rad-ako-na-to","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/","title":{"rendered":"Hypot\u00e9ka na pozemok: 7 r\u00e1d, ako na to"},"content":{"rendered":"\n<p><strong>Chcete k\u00fapi\u0165 pozemok? Myslite na to, \u017ee hypot\u00e9kou nem\u00f4\u017eete financova\u0165 ak\u00fdko\u013evek kus zeme. Banka poskytne \u00faver len na k\u00fapu tak\u00e9ho pozemku, ktor\u00fd je ur\u010den\u00fd na zastavanie s\u00fakromnou nehnute\u013enos\u0165ou, pr\u00edpadne u\u017e ide o stavebn\u00fd pozemok. Teda m\u00f4\u017ee to by\u0165 aj orn\u00e1 p\u00f4da alebo z\u00e1hrada, ku ktor\u00fdm existuje \u00fazemnopl\u00e1novacia inform\u00e1cia o tom, \u017ee na pozemku sa m\u00f4\u017ee stava\u0165 nehnute\u013enos\u0165 na b\u00fdvanie. \u010co v\u0161etko sa e\u0161te oplat\u00ed vedie\u0165?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-1-ak-podmienky-maj-banky-pri-hypot-ke-na-pozemok\">1. Ak\u00e9 podmienky maj\u00fa banky pri hypot\u00e9ke na pozemok?<\/a><\/li><li class=\"\"><a href=\"#htoc-2-o-mus-sp-a-stavebn-pozemok\">2. \u010co mus\u00ed sp\u013a\u0148a\u0165 stavebn\u00fd pozemok?<\/a><\/li><li class=\"\"><a href=\"#htoc-3-ak-doklady-potrebujete-k-iadosti-o-hypot-ku\">3. Ak\u00e9 doklady potrebujete k \u017eiadosti o hypot\u00e9ku?<\/a><\/li><li class=\"\"><a href=\"#htoc-4-je-lep-ie-s-do-banky-kde-ste-dlh-roky-klientom\">4. Je lep\u0161ie \u00eds\u0165 do banky, kde ste dlh\u00e9 roky klientom?<\/a><\/li><li class=\"\"><a href=\"#htoc-5-ako-si-porovna-ponuky-viacer-ch-b-nk\">5. Ako si porovna\u0165 ponuky viacer\u00fdch b\u00e1nk?<\/a><\/li><li class=\"\"><a href=\"#htoc-6-ak-vysok-hypot-ku-m-ete-z-ska\">6. Ak\u00fa vysok\u00fa hypot\u00e9ku m\u00f4\u017eete z\u00edska\u0165?<\/a><\/li><li class=\"\"><a href=\"#htoc-7-ko-ko-v-s-bude-st-hypot-ka\">7. Ko\u013eko v\u00e1s bude st\u00e1\u0165 hypot\u00e9ka na pozemok?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-1-ak-podmienky-maj-banky-pri-hypot-ke-na-pozemok\" style=\"color:#ec8124\"><strong>1. Ak\u00e9 podmienky maj\u00fa banky pri hypot\u00e9ke na pozemok?<\/strong><\/h2>\n\n\n\n<p>Hypot\u00e9ka na pozemok m\u00e1 svoje \u0161pecifik\u00e1, ale v z\u00e1sade sa vo v\u00e4\u010d\u0161ine oh\u013eadov pravidl\u00e1 schva\u013eovania ve\u013emi nel\u00ed\u0161ia v porovnan\u00ed s hypot\u00e9kou, ktorou sa financuje a ru\u010d\u00ed bytom \u010di domom. Banky sk\u00famaj\u00fa bonitu \u017eiadate\u013ea, teda jeho vek, pr\u00edjem, v\u00fddavky a rovnako posudzuj\u00fa aj jeho \u00faverov\u00fa hist\u00f3riu.<\/p>\n\n\n\n<p>Dokonca aj <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farokov\u00e9 sadzby<\/a> a poplatky s\u00fa toto\u017en\u00e9 \u010di u\u017e nadob\u00fadate byt alebo stavebn\u00fd pozemok &#8211; s v\u00fdnimkou b\u00e1nk, ktor\u00e9 d\u00e1vaj\u00fa z\u013eavu z poplatku za poskytnutie \u00faveru alebo z\u013eavu z \u00farokovej sadzby za energeticky \u00fasporn\u00fa nehnute\u013enos\u0165. T\u00fato podmienku pri samostatnom pozemku samozrejme splni\u0165 nedok\u00e1\u017eete.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>LTV b\u00fdva ni\u017e\u0161ie ako 80 %<\/strong><\/p>\n\n\n\n<p>Najv\u00fdraznej\u0161\u00edm \u0161pecifikom hypot\u00e9ky, v ktorej sa m\u00e1 ru\u010di\u0165 pozemkom je, \u017ee nie v\u0161etky banky schv\u00e1lia hypot\u00e9ku a\u017e do v\u00fd\u0161ky 80 % hodnoty pozemku. Obvykl\u00e1 v\u00fd\u0161ka financovania pozemkov sa h\u00fdbe od 60 do 70 % z hodnoty pozemku. Niektor\u00e9 banky pri pozemku bez vydan\u00e9ho stavebn\u00e9ho povolenia m\u00f4\u017eu schv\u00e1li\u0165 len 50 % z jeho ceny.<\/p>\n\n\n\n<p>Odli\u0161n\u00e9 je posudzovanie samotn\u00e9ho predmetu \u00faveru, teda pozemku. Pozemok mus\u00ed sp\u013a\u0148a\u0165 ur\u010dit\u00e9 pravidl\u00e1, v\u010faka ktor\u00fdm sa napln\u00ed \u00fa\u010delovos\u0165 spojen\u00e1 s b\u00fdvan\u00edm ako aj to, \u017ee pozemok mus\u00ed by\u0165 ur\u010den\u00fd na individu\u00e1lnu v\u00fdstavbu.<\/p>\n\n\n\n<p><strong><em>Podrobnej\u0161ie inform\u00e1cie n\u00e1jdete aj v na\u0161om blogu <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\"><strong><em>Podmienky hypot\u00e9ky v roku 2024: V\u0161etko, \u010do potrebujete vedie\u0165<\/em><\/strong><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-2-o-mus-sp-a-stavebn-pozemok\" style=\"color:#ec8124\"><strong>2. \u010co mus\u00ed sp\u013a\u0148a\u0165 stavebn\u00fd pozemok?<\/strong><\/h2>\n\n\n\n<p>Stavebn\u00fd pozemok m\u00f4\u017ee banka financova\u0165 len vtedy, ak sp\u013a\u0148a ur\u010dit\u00e9 krit\u00e9ri\u00e1:<\/p>\n\n\n\n<ul>\n<li>k pozemku je vydan\u00e1 \u00fazemnopl\u00e1novacia inform\u00e1cia o mo\u017enosti zastavania, pr\u00edpadne stavebn\u00e9 povolenie na v\u00fdstavbu rodinn\u00e9ho domu,<\/li>\n\n\n\n<li>pozemok m\u00e1 zabezpe\u010den\u00fd pr\u00edstup po spevnenej verejnej komunik\u00e1cii vo vlastn\u00edctve mesta \u010di obce, alebo s pr\u00e1vom prechodu cez pr\u00edstupov\u00fa cestu v prospech majite\u013ea tohto pozemku,<\/li>\n\n\n\n<li>existuje mo\u017enos\u0165 jeho napojenia na dostupn\u00e9 in\u017einierske siete, ide\u00e1lne v komunik\u00e1cii pred pozemkom,<\/li>\n\n\n\n<li>technick\u00e9 parametre pozemku umo\u017e\u0148uj\u00fa jeho zastavanie tak, aby bol dodr\u017ean\u00fd stavebn\u00fd z\u00e1kon (musia by\u0165 splnen\u00e9 pravidl\u00e1 oh\u013eadom umiestnenia bud\u00facej stavby s dodr\u017ean\u00edm potrebn\u00fdch rozostupov medzi susedn\u00fdmi pozemkami)<\/li>\n\n\n\n<li>na liste vlastn\u00edctva nesm\u00fa by\u0165 evidovan\u00e9 \u0165archy alebo vecn\u00e9 bremen\u00e1, ktor\u00e9 by boli pre banku neakceptovate\u013en\u00e9.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-3-ak-doklady-potrebujete-k-iadosti-o-hypot-ku\" style=\"color:#ec8124\"><strong>3. Ak\u00e9 doklady potrebujete k \u017eiadosti o hypot\u00e9ku?<\/strong><\/h2>\n\n\n\n<p>Okrem \u0161tandardn\u00fdch dokladov k pr\u00edjmu \u017eiadate\u013eov k hypot\u00e9ke na k\u00fapu pozemku potrebujete dolo\u017ei\u0165 znaleck\u00fd posudok k pozemku spolu s \u00fazemnopl\u00e1novacou inform\u00e1ciou o tom, \u017ee je ur\u010den\u00fd na zastavanie. Ak u\u017e je k nemu vydan\u00e9 stavebn\u00e9 povolenie, tie\u017e ho bude potrebn\u00e9 dolo\u017ei\u0165.<\/p>\n\n\n\n<p>Netreba zabudn\u00fa\u0165 ani na p\u00f4vodn\u00fd nadob\u00fadac\u00ed doklad k pozemku. K preuk\u00e1zaniu \u00fa\u010delu bude banka k \u017eiadosti vy\u017eadova\u0165 k\u00fapnu zmluvu, kde bude uveden\u00e1 k\u00fapna cena pozemku a sp\u00f4sob jej \u00fahrady.<\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-4-je-lep-ie-s-do-banky-kde-ste-dlh-roky-klientom\" style=\"color:#ec8124\"><strong>4. Je lep\u0161ie \u00eds\u0165 do banky, kde ste dlh\u00e9 roky klientom?<\/strong><\/h2>\n\n\n\n<p>Vzh\u013eadom k tomu, \u017ee banky pomerne \u010dasto menia svoje podmienky, nie v\u017edy je najvhodnej\u0161ie rie\u0161i\u0165 hypot\u00e9ku len vo svojej banke. Z\u00e1rove\u0148 ka\u017ed\u00e1 banka odli\u0161ne posudzuje financovanie pozemku. Preto aj v tomto pr\u00edpade odpor\u00fa\u010dame komplexn\u00fd prieskum trhu.<\/p>\n\n\n\n<p>Treba sa p\u00fdta\u0165 nielen na \u00faroky a poplatky, ale aj na percento financovania pozemku a celkovo podmienky poskytnutia hypot\u00e9ky. Samozrejme, treba si tie\u017e preveri\u0165, \u010di pr\u00e1ve v\u00e1\u0161 typ pr\u00edjmu, najm\u00e4 ak je ne\u0161tandardn\u00fd, dan\u00e1 banka akceptuje.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ak potrebujete financie \u010di u\u017e pozemok alebo aj na k\u00fapu domu \u010di bytu, na\u0161i sprostredkovania z FinGO.sk v\u00e1m s prieskumom va\u0161ich mo\u017enost\u00ed radi pom\u00f4\u017eu. Va\u0161a cesta k hypot\u00e9ke tak m\u00f4\u017ee by\u0165 ove\u013ea r\u00fdchlej\u0161ia a jednoduch\u0161ia.\u00a0<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-5-ako-si-porovna-ponuky-viacer-ch-b-nk\" style=\"color:#ec8124\"><strong>5. Ako si porovna\u0165 ponuky viacer\u00fdch b\u00e1nk?<\/strong><\/h2>\n\n\n\n<p>Porovnanie b\u00e1nk ve\u013emi efekt\u00edvne za v\u00e1s urob\u00ed sk\u00fasen\u00fd <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00fd sprostredkovate\u013e<\/a>, ktor\u00fd m\u00e1 preh\u013ead o trhu, pozn\u00e1 ako jednotliv\u00e9 banky v danom \u010dase pristupuj\u00fa k financovaniu pozemku a dok\u00e1\u017ee ve\u013emi efekt\u00edvne smerova\u0165 va\u0161u \u017eiados\u0165 o \u00faver do tej banky, ktor\u00e1 pre v\u00e1s vych\u00e1dza ako najvhodnej\u0161ia.<\/p>\n\n\n\n<p>U\u017eito\u010dn\u00e9 s\u00fa online porovnania hypot\u00e9k, ak\u00e9 n\u00e1jdete napr\u00edklad na <a href=\"http:\/\/www.fingo.sk\/hypoteka\">www.fingo.sk\/hypoteka<\/a>, kde sa po zadan\u00ed p\u00e1r \u00fadajov s vami spoj\u00ed odborn\u00edk na financie, ktor\u00fd individu\u00e1lne pos\u00fadi va\u0161e mo\u017enosti a vypracuje v\u00e1m ponuku hypot\u00e9k \u0161it\u00fa presne na va\u0161e potreby. U\u0161etr\u00edte tak ve\u013ea \u010dasu a aj pe\u0148az\u00ed.<\/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<h2 class=\"has-text-color\" id=\"htoc-6-ak-vysok-hypot-ku-m-ete-z-ska\" style=\"color:#ec8124\"><strong>6. Ak\u00fa vysok\u00fa hypot\u00e9ku m\u00f4\u017eete z\u00edska\u0165?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"568\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-hypoteka-na-pozemok-priklady.png\" alt=\"\" class=\"wp-image-8797\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-hypoteka-na-pozemok-priklady.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-hypoteka-na-pozemok-priklady-300x166.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-hypoteka-na-pozemok-priklady-768x426.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>TIP: <\/strong>Chcete si vypo\u010d\u00edta\u0165 v\u00fd\u0161ku hypot\u00e9ky, ktor\u00fa m\u00f4\u017eete dosta\u0165 na z\u00e1klade v\u00e1\u0161ho pr\u00edjmu? Vysk\u00fa\u0161ajte praktick\u00fa<a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\"> kalkula\u010dku, kde zad\u00e1te v\u00e1\u0161 vek a pr\u00edjem.<\/a> Je to r\u00fdchle a sta\u010d\u00ed len p\u00e1r klikov.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-7-ko-ko-v-s-bude-st-hypot-ka\" style=\"color:#ec8124\"><strong>7. Ko\u013eko v\u00e1s bude st\u00e1\u0165 hypot\u00e9ka na pozemok?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-mesacna-splatka-hypoteky-na-pozemok.png\" alt=\"\" class=\"wp-image-8799\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-mesacna-splatka-hypoteky-na-pozemok.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-mesacna-splatka-hypoteky-na-pozemok-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Fingo-mesacna-splatka-hypoteky-na-pozemok-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pre\u010do sa oplat\u00ed rie\u0161i\u0165 hypot\u00e9ku s makl\u00e9rom<\/strong><\/p>\n\n\n\n<p>V\u00fdhodou finan\u010dn\u00fdch sprostredkovate\u013eov je aj to, \u017ee spolupracuj\u00fa so v\u0161etk\u00fdmi bankami a poznaj\u00fa \u0161pecifik\u00e1 ka\u017edej z nich. V\u010faka komplexn\u00fdm inform\u00e1ci\u00e1m v\u00e1m pom\u00f4\u017eu vybavi\u0165 hypot\u00e9ku efekt\u00edvnej\u0161ie a r\u00fdchlej\u0161ie, ako by ste sa k jej ide\u00e1lnemu rie\u0161eniu dopracovali vy sami.<\/p>\n\n\n\n<ul>\n<li>makl\u00e9r v\u00e1m urob\u00ed d\u00f4kladn\u00fd <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">prieskum v bank\u00e1ch<\/a><\/li>\n\n\n\n<li>v\u010faka tomu zist\u00edte, kde je strop va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed<\/li>\n\n\n\n<li>porad\u00ed v\u00e1m, ako m\u00f4\u017eete hypot\u00e9ku \u010do najv\u00fdhodnej\u0161ie dofinancova\u0165<\/li>\n\n\n\n<li>pom\u00f4\u017ee v\u00e1m nielen s v\u00fdberom banky, ale zastre\u0161\u00ed aj cel\u00fd proces vybavenia \u00faveru<\/li>\n\n\n\n<li>so sprostredkovate\u013emi z FinGO.sk sa vyhnete <a href=\"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/\">\u010dast\u00fdm chyb\u00e1m <\/a>\u013eud\u00ed, ktor\u00ed si rie\u0161ia hypot\u00e9ku sami<\/li>\n<\/ul>\n\n\n\n<p>M\u00f4\u017eete n\u00e1m tie\u017e zavola\u0165 na 0800 60 10 60 alebo n\u00e1m zanechajte va\u0161e kontaktn\u00e9 \u00fadaje a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\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\/8793#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>Chcete k\u00fapi\u0165 pozemok? Myslite na to, \u017ee hypot\u00e9kou nem\u00f4\u017eete financova\u0165 ak\u00fdko\u013evek kus zeme. Banka poskytne \u00faver len na k\u00fapu tak\u00e9ho pozemku, ktor\u00fd je ur\u010den\u00fd na zastavanie s\u00fakromnou nehnute\u013enos\u0165ou, pr\u00edpadne u\u017e ide o stavebn\u00fd pozemok. Teda m\u00f4\u017ee to by\u0165 aj orn\u00e1 p\u00f4da alebo z\u00e1hrada, ku ktor\u00fdm existuje \u00fazemnopl\u00e1novacia inform\u00e1cia o tom, \u017ee na pozemku sa m\u00f4\u017ee stava\u0165 nehnute\u013enos\u0165 na b\u00fdvanie. \u010co v\u0161etko sa e\u0161te oplat\u00ed vedie\u0165? 1. Ak\u00e9 podmienky maj\u00fa banky pri hypot\u00e9ke na pozemok? Hypot\u00e9ka na pozemok m\u00e1 svoje \u0161pecifik\u00e1, ale v z\u00e1sade sa vo v\u00e4\u010d\u0161ine oh\u013eadov pravidl\u00e1 schva\u013eovania ve\u013emi nel\u00ed\u0161ia v porovnan\u00ed s hypot\u00e9kou, ktorou sa financuje a ru\u010d\u00ed bytom \u010di domom. Banky sk\u00famaj\u00fa bonitu \u017eiadate\u013ea, teda jeho vek, pr\u00edjem, v\u00fddavky a rovnako posudzuj\u00fa aj jeho \u00faverov\u00fa hist\u00f3riu. Dokonca aj \u00farokov\u00e9 sadzby a poplatky s\u00fa toto\u017en\u00e9 \u010di u\u017e nadob\u00fadate byt alebo stavebn\u00fd pozemok &#8211; s v\u00fdnimkou b\u00e1nk, ktor\u00e9 d\u00e1vaj\u00fa z\u013eavu z poplatku za poskytnutie \u00faveru alebo z\u013eavu z \u00farokovej sadzby za energeticky \u00fasporn\u00fa nehnute\u013enos\u0165. T\u00fato podmienku pri samostatnom pozemku samozrejme splni\u0165 nedok\u00e1\u017eete. LTV b\u00fdva ni\u017e\u0161ie ako 80 % Najv\u00fdraznej\u0161\u00edm \u0161pecifikom hypot\u00e9ky, v ktorej sa m\u00e1 ru\u010di\u0165 pozemkom je, \u017ee nie v\u0161etky banky schv\u00e1lia hypot\u00e9ku a\u017e do v\u00fd\u0161ky 80 % hodnoty pozemku. Obvykl\u00e1 v\u00fd\u0161ka financovania pozemkov sa h\u00fdbe od 60 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8794,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,39],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka na pozemok: 7 r\u00e1d, ako na to - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete k\u00fapi\u0165 pozemok? Myslite na to, \u017ee hypot\u00e9kou nem\u00f4\u017eete financova\u0165 ak\u00fdko\u013evek kus zeme. \u010co v\u0161etko sa oplat\u00ed vedie\u0165 o hypot\u00e9ke na pozemok?\" \/>\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\/hypoteka-na-pozemok-7-rad-ako-na-to\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ka na pozemok: 7 r\u00e1d, ako na to - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Chcete k\u00fapi\u0165 pozemok? Myslite na to, \u017ee hypot\u00e9kou nem\u00f4\u017eete financova\u0165 ak\u00fdko\u013evek kus zeme. \u010co v\u0161etko sa oplat\u00ed vedie\u0165 o hypot\u00e9ke na pozemok?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-13T12:35:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-13T12:42:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/Hypoteka-na-pozemok.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"6 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\/hypoteka-na-pozemok-7-rad-ako-na-to\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Hypot\u00e9ka na pozemok: 7 r\u00e1d, ako na to\",\"datePublished\":\"2024-03-13T12:35:50+00:00\",\"dateModified\":\"2024-03-13T12:42:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/\"},\"wordCount\":1181,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"ako na hypot\u00e9ku\",\"Hypot\u00e9ka na pozemok\"],\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-pozemok-7-rad-ako-na-to\/\",\"name\":\"Hypot\u00e9ka na pozemok: 7 r\u00e1d, ako na to - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2024-03-13T12:35:50+00:00\",\"dateModified\":\"2024-03-13T12:42:55+00:00\",\"description\":\"Chcete k\u00fapi\u0165 pozemok? 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