[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.voxv.sk\/hypoteka-na-vystavbu-domu-a-pozemok\/#Article","mainEntityOfPage":"https:\/\/www.voxv.sk\/hypoteka-na-vystavbu-domu-a-pozemok\/","headline":"Hypot\u00e9ka na v\u00fdstavbu domu a pozemok","name":"Hypot\u00e9ka na v\u00fdstavbu domu a pozemok","description":"Je potrebn\u00e9 uvedomi\u0165 si, \u017ee dom bez toho aby ste nemali vlastn\u00e9 finan\u010dn\u00e9 zdroje alebo in\u00fa nehnute\u013enos\u0165 na zalo\u017eenie nepostav\u00edte. Jedn\u00e1 sa o\u00a0to \u017ee, v\u00a0prvom rade potrebujete pozemok. Je \u00faplne jedno \u010di pozemok z\u00edskate t\u00fdm \u017ee ho budete dedi\u0165 alebo si ho k\u00fapite, no pozemok je z\u00e1kladom pri v\u00fdstavbe vysn\u00edvan\u00e9ho rodinn\u00e9ho domu. Taktie\u017e je mo\u017en\u00e9 financova\u0165 aj na hypotek\u00e1rny \u00faver … ","datePublished":"2017-04-10","dateModified":"2017-04-10","author":{"@type":"Person","@id":"https:\/\/www.voxv.sk\/author\/#Person","name":"","url":"https:\/\/www.voxv.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1bbb35219ad819cefa53fdc5515b24173b84f885da520bcb5e2dcb96444d797b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1bbb35219ad819cefa53fdc5515b24173b84f885da520bcb5e2dcb96444d797b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"voxv.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.voxv.sk\/wp-content\/uploads\/img_a280999_w2008_t1497117700.jpg","url":"https:\/\/www.voxv.sk\/wp-content\/uploads\/img_a280999_w2008_t1497117700.jpg","height":0,"width":0},"url":"https:\/\/www.voxv.sk\/hypoteka-na-vystavbu-domu-a-pozemok\/","wordCount":384,"articleBody":"Je potrebn\u00e9 uvedomi\u0165 si, \u017ee dom bez toho aby ste nemali vlastn\u00e9 finan\u010dn\u00e9 zdroje alebo in\u00fa nehnute\u013enos\u0165 na zalo\u017eenie nepostav\u00edte. Jedn\u00e1 sa o\u00a0to \u017ee, v\u00a0prvom rade potrebujete pozemok. Je \u00faplne jedno \u010di pozemok z\u00edskate t\u00fdm \u017ee ho budete dedi\u0165 alebo si ho k\u00fapite, no pozemok je z\u00e1kladom pri v\u00fdstavbe vysn\u00edvan\u00e9ho rodinn\u00e9ho domu. Taktie\u017e je mo\u017en\u00e9 financova\u0165 aj na hypotek\u00e1rny \u00faver k\u00fapu pozemku ale banka v\u00e1m na\u0148 poskytne maxim\u00e1lne do 80% z\u00a0jeho hodnoty. To znamen\u00e1, \u017ee u\u017e tu potrebujete vlastn\u00e9 finan\u010dn\u00e9 zdroje, pr\u00edpadne m\u00f4\u017eete zalo\u017ei\u0165 in\u00fa nehnute\u013enos\u0165.Ako teda za\u010da\u0165 ?Pokia\u013e u\u017e m\u00e1te vybrat\u00fd pozemok \u010di u\u017e prefinancovan\u00fd hypot\u00e9kou alebo ho m\u00e1te vlastn\u00fd je potrebn\u00e9 dba\u0165 na to, aby ten pozemok mal charakter stavebn\u00e9ho pozemku a\u00a0aby obsahoval aspo\u0148 \u00fazemno-pl\u00e1novaciu inform\u00e1ciu. Takisto je d\u00f4le\u017eit\u00e9 aby k\u00a0nemu boli priveden\u00e9 in\u017einierske siete. Nem\u00f4\u017ee ma\u0165 na sebe \u017eiadne \u0165archy ani neakceptovate\u013en\u00e9 vecn\u00e9 bremen\u00e1.Pokia\u013e u\u017e m\u00e1te tento pozemok pripraven\u00fd, m\u00f4\u017eete teda po\u017eiada\u0165 o\u00a0stavebn\u00e9 povolenie pokia\u013e m\u00e1te projektov\u00fa dokument\u00e1ciu. Pokia\u013e d\u00e1te dokopy v\u0161etky podklady a\u00a0m\u00e1te zabezpe\u010den\u00fd stavebn\u00fd dozor m\u00f4\u017eete sa pusti\u0165 do stavby. Na toto ale potrebujete tie\u017e vlastn\u00e9 finan\u010dn\u00e9 zdroje preto\u017ee o\u00a0hypot\u00e9ku m\u00f4\u017eete po\u017eiada\u0165 a\u017e vtedy ke\u010f budete ma\u0165 stavbu rozostavan\u00fa aspo\u0148 do jedn\u00e9ho metra. Vtedy sa toti\u017eto d\u00e1 zap\u00edsa\u0165 na kataster ako rozostavan\u00e1. Sk\u00f4r v\u00e1m banka hypot\u00e9ku neposkytne.N\u00e1sledne to funguje tak, \u017ee postupne ako staviate V\u00e1m banka bude v\u00a0takzvan\u00fdch tran\u017eiach \u010derpa\u0165 hypot\u00e9ku do percenta schv\u00e1len\u00e9ho \u00faveru pod\u013ea toho ak\u00fa aktu\u00e1lnu hodnotu t\u00e1to Va\u0161a rozostavan\u00e1 stavba m\u00e1.Ka\u017ed\u00e1 banka m\u00e1 in\u00e9 podmienky na v\u00fdstavbu. Je n\u00e1ro\u010dn\u00e9 vybra\u0165 si tu najlep\u0161iu banku preto\u017ee hypot\u00e9ka na v\u00fdstavbu je jeden z\u00a0najn\u00e1ro\u010dnej\u0161\u00edch typov hypotek\u00e1rneho \u00faveru. Pokia\u013e neviete ako na to obr\u00e1\u0165te sa na hypo-\u0161pecialistov ktor\u00fd rad\u00ed V\u00e1m pom\u00f4\u017eu pr\u00edpadne sa op\u00fdtajte svojich zn\u00e1mych ktor\u00fd s\u00a0t\u00fdmto \u0161t\u00fdlom hypot\u00e9ky u\u017e maj\u00fa nejak\u00e9 sk\u00fasenosti.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na v\u00fdstavbu domu a pozemok","item":"https:\/\/www.voxv.sk\/hypoteka-na-vystavbu-domu-a-pozemok\/#breadcrumbitem"}]}]