{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/lt\/hipotekos-kreditas-ir-kreditas-is-statybos-sprendimu\/","title":{"rendered":"Hipotekos paskola ir paskola i\u0161 statyb\u0173 bendrov\u0117s"},"content":{"rendered":"<p>Hipotekos paskola ir paskola statyb\u0173 bendrovei yra finansiniai produktai, susij\u0119 su nekilnojamojo turto \u012fsigijimu. Butai, namai ir statyb\u0173 sklypai yra \u012fdom\u016bs <a href=\"https:\/\/regbu.com\/lt\/investavimo-galimybes-yra-labai-turtingos\/\"><strong>investavimo galimyb\u0117s<\/strong><\/a>. Jei svajojate apie nuosav\u0105 b\u016bst\u0105, bet neturite pakankamai pinig\u0173, i\u0161 esm\u0117s turite tris galimybes, kurias i\u0161samiau aptarsime tolesn\u0117se eilut\u0117se.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hipotekos paskola<\/li>\n\n\n\n<li>Sutelktin\u0117 paskola<\/li>\n\n\n\n<li>Tinkama statybos draugijos paskola<\/li>\n<\/ul>\n\n\n\n<p>Naudodamiesi \u0161iais paskol\u0173 produktais galite finansuoti ne tik nekilnojamojo turto \u012fsigijim\u0105. Taip pat galima pasinaudoti daugeliu kit\u0173 sprendim\u0173, pvz. <strong>rekonstrukcija ir modernizavimas<\/strong>. Visi\u0161kas \u0161eimos b\u016bsto \u012frengimas ir sutuoktini\u0173 turto padalijimas yra atskiras skyrius.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotekos prieinamumas blog\u0117ja<\/h2>\n\n\n\n<p>Pirmiausia pa\u017evelkime \u012f nekilnojamojo turto finansavim\u0105 \u0161iek tiek pla\u010diau. Akivaizdu, kad hipotekos bumas yra susij\u0119s su laiko juosta. U\u017etenka pa\u017evelgti \u012f ankstesnius metus ir nekilnojamojo turto kain\u0173 raid\u0105, kuri taip pat susijusi su pal\u016bkan\u0173 norm\u0173 raida ir potenciali\u0173 klient\u0173 susidom\u0117jimu. Pavyzd\u017eiui, galime pa\u017evelgti \u012f istorinius duomenis, susijusius su ankstesniais metais \u010cekijoje.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Metai<\/strong><\/td><td><strong>Pal\u016bkan\u0173 norma<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Kaip pastaraisiais metais keit\u0117si hipotekos paskol\u0173 pal\u016bkan\u0173 normos \u010cekijoje?<\/figcaption><\/figure>\n\n\n\n<p>Statyb\u0173 draugijos paskola paprastai <em>konkuruoja su hipotekos paskola pal\u016bkan\u0173 normos at\u017evilgiu.<\/em>. Dideli\u0173 skirtum\u0173 tik\u0117tis tikrai negalima. Jie labiau susij\u0119 su pa\u010diais produktais. Kiekvienas i\u0161 j\u0173 turi tam tikr\u0173 privalum\u0173 ir tr\u016bkum\u0173.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekos paskola i\u0161 banko<\/h3>\n\n\n\n<p>\u0160iame straipsnyje daugiausia d\u0117mesio skiriame banko \u012fstaigos teikiamai hipotekos paskolai. \u017dinoma, rinkoje yra ir nebankini\u0173 bendrovi\u0173, kurios si\u016blo didesnes pinig\u0173 sumas. Ta\u010diau jos paprastai siejamos su didel\u0117mis pal\u016bkan\u0173 normomis ir nepalankiomis gr\u0105\u017einimo s\u0105lygomis.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Statyb\u0173 draugij\u0173 paskolas teikia taupomieji bankai ir tai yra vienas i\u0161 dominuojan\u010di\u0173 j\u0173 portfelio produkt\u0173. <\/p>\n<cite>Barbara S., banko tarnautoja.<\/cite><\/blockquote>\n\n\n\n<p>\u0160io straipsnio \u012f\u017eangoje min\u0117ta tarpin\u0117 paskola yra glaud\u017eiai susijusi su \u012fprasta paskola i\u0161 statyb\u0173 bendrov\u0117s. <strong>Tod\u0117l jis priskiriamas taupom\u0173j\u0173 bank\u0173 produkt\u0173 grupei.<\/strong>. Ta\u010diau apie tai daugiau pasakosime tolesn\u0117se eilut\u0117se.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Hipotekos paskolos pinigai pirmiausia gali b\u016bti naudojami \u0161eimos nekilnojamajam turtui finansuoti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotekos paskola ir viskas apie j\u0105<\/h2>\n\n\n\n<p>B\u016bsto paskolos tikriausiai nereikia i\u0161samiai pristatyti. Ta\u010diau ma\u017eiau susipa\u017einusiems pateikiame trump\u0105 apibr\u0117\u017eim\u0105. Tai ilgalaik\u0117 paskolos r\u016b\u0161is, kai \u012fkei\u010diamas nekilnojamasis turtas. Da\u017eniausiai finansuojamas nekilnojamasis turtas, ta\u010diau ne i\u0161imtis ir tre\u010di\u0173j\u0173 \u0161ali\u0173 nekilnojamasis turtas.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nekilnojamojo turto vert\u0117 turi atitikti hipotekos sum\u0105.<\/li>\n\n\n\n<li>Gali b\u016bti garantuojamas keli\u0173 r\u016b\u0161i\u0173 turtas<\/li>\n\n\n\n<li>Tre\u010di\u0173j\u0173 \u0161ali\u0173 atveju reikalingas j\u0173 sutikimas.<\/li>\n<\/ul>\n\n\n\n<p>Jei kas nors kitas garantuos j\u016bs\u0173 perkam\u0105 turt\u0105, <em>jam perduodami su j\u016bs\u0173 nemokumu susij\u0119 \u012fsipareigojimai.<\/em>. Tai rei\u0161kia, kad jei laiku nemokate hipotekos paskolos, problem\u0173 gali kilti tre\u010diajai \u0161aliai.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekos paskolos privalumai<\/h3>\n\n\n\n<p>Pirmiausia atkreipkime d\u0117mes\u012f \u012f tai, kokiais privalumais jus nustebins b\u016bsto paskola. Teigiam\u0173 \u0161io paskolos produkto savybi\u0173 yra daugiau nei pakankamai. Jei prad\u0117sime nuo pat prad\u017ei\u0173, tai i\u0161 esm\u0117s yra viena papras\u010diausi\u0173 ir prieinamiausi\u0173 paskol\u0173, tinkam\u0173 bet kokio tipo nekilnojamajam turtui \u012fsigyti.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tema<\/strong><\/td><td><strong>Vert\u0117<\/strong><\/td><\/tr><tr><td>Investicinis turtas<\/td><td>Taip<\/td><\/tr><tr><td>Verslo turtas<\/td><td>Taip<\/td><\/tr><tr><td>Jums priklausantis turtas<\/td><td>Taip<\/td><\/tr><tr><td>Fiksacijos laikas<\/td><td>Nuo vieneri\u0173 iki keleri\u0173 met\u0173<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Ar \u017einote, kam galite panaudoti i\u0161 b\u016bsto paskolos gautus pinigus?<\/figcaption><\/figure>\n\n\n\n<p>Tod\u0117l hipotekos paskola pirmiausia skirta \u0161eimos ir poilsio paskirties nekilnojamajam turtui \u012fsigyti. Verslo nekilnojamajam turtui \u012fsigyti reik\u0117t\u0173 rinktis \u0161iek tiek modifikuot\u0105 hipotekos paskol\u0105. Kalbant apie fiksavimo laikotarp\u012f, ji yra garantija, kuri\u0105 sudaro fiksuota pal\u016bkan\u0173 norma jos galiojimo laikotarpiu. Jis gali trukti vienerius, trejus, penkerius ar daugiau met\u0173.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekos tr\u016bkumai<\/h3>\n\n\n\n<p>Tai, kas naudinga vienam, gali b\u016bti nenaudinga kitam. Tod\u0117l tur\u0117tum\u0117te \u017einoti ir neigiamas b\u016bsto paskolos savybes. <strong>Pavyzd\u017eiui, reikia atsi\u017evelgti \u012f paskolos \u012fsipareigojim\u0105 gana ilgam laikotarpiui.<\/strong>. Pastarieji da\u017eniausiai b\u016bna dvide\u0161imties-trisde\u0161imties met\u0173 am\u017eiaus. B\u016bkite pasiruo\u0161\u0119, kad administracinis procesas truput\u012f u\u017esit\u0119s.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Kad gautum\u0117te b\u016bsto paskol\u0105, turite b\u016bti sutaup\u0119 atitinkam\u0105 sum\u0105. Paprastai tai b\u016bna apie 20 % nekilnojamojo turto vert\u0117s.<\/p>\n<cite>Olivia S., banko tarnautoja.<\/cite><\/blockquote>\n\n\n\n<p>Priklausomai nuo to, koki\u0105 hipotekos paskol\u0105 pasirinksite, turite atsi\u017evelgti ir \u012f su \u0161iuo produktu susijusius mokes\u010dius. Kartu tur\u0117kite omenyje, kad ne kiekvienas nekilnojamasis turtas yra tinkamas hipotekos paskolai gauti.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Jei jus domina hipoteka, turite kreiptis \u012f bank\u0105.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\"Building Savings Loan<\/h2>\n\n\n\n<p>O kas yra did\u017eiausias b\u016bsto paskolos konkurentas? Tai yra statybos draugijos paskola. Kaip matyti i\u0161 pavadinimo, tai yra statyb\u0173 draugijos paskola, i\u0161 kurios v\u0117liau galite pasiimti norim\u0105 paskol\u0105. Ta\u010diau turite b\u016bti sukaup\u0119 atitinkam\u0105 pinig\u0173 sum\u0105. Kartu turite b\u016bti kur\u012f laik\u0105 taup\u0119.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bent 2 met\u0173 taupymo laikotarpis<\/li>\n\n\n\n<li>Sutaupyta suma 30-60 %<\/li>\n\n\n\n<li>Sutelktin\u0117 paskola<\/li>\n<\/ul>\n\n\n\n<p>Tai tarpin\u0117 paskola, kuri\u0105 galima gauti, kai <em>neatitinkate reikalavim\u0173 \u012fprastai statyb\u0173 draugijos paskolai gauti pagal s\u0105lygas.<\/em>. Ta\u010diau yra ir tam tikr\u0173 tr\u016bkum\u0173, kurie bus aptarti kituose skyriuose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Statyb\u0173 draugijos paskolos privalumai<\/h2>\n\n\n\n<p>Prad\u0117kime nuo teigiam\u0173 dalyk\u0173, t. y. nuo to, k\u0105 si\u016blo paskolos i\u0161 statyb\u0173 bendrov\u0117s. Kai kuriose srityse ji net pranoksta hipotekos paskol\u0105. Pavyzd\u017eiui, mokant ma\u017eesnes sumas, galima i\u0161vengti b\u016btinyb\u0117s laiduoti turtu arba susirasti laiduotoj\u0105. Didesn\u0117ms sumoms, \u017einoma, turite garantuoti taip pat, kaip ir hipotekos paskolos atveju.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tema<\/strong><\/td><td><strong>Vert\u0117<\/strong><\/td><\/tr><tr><td>Pal\u016bkan\u0173 norma<\/td><td>Tas pats per vis\u0105 termino laikotarp\u012f<\/td><\/tr><tr><td>Termino pabaigos laikotarpis<\/td><td>Iki 30 met\u0173<\/td><\/tr><tr><td>Taupymas<\/td><td>Valstyb\u0117s pagalba ir pal\u016bkan\u0173 normos<\/td><\/tr><tr><td>Alternatyva<\/td><td>Sutelktin\u0117 paskola<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Statyb\u0173 draugijos paskola turi daug \u012fdomi\u0173 privalum\u0173 ir naudos.<\/figcaption><\/figure>\n\n\n\n<p>Taip pat reik\u0117t\u0173 pamin\u0117ti, kad l\u0117\u0161os, atid\u0117tos ir sukauptos kaupiant santaupas, yra \u012fskaitomos pra\u0161ant b\u016bsto paskolos. Tod\u0117l kai kuriose srityse \u0161ie du produktai yra \u0161iek tiek susij\u0119.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kod\u0117l verta rinktis b\u016bsto paskol\u0105?<\/h3>\n\n\n\n<p>Ir dabar neigiamas jis si\u016blo <strong>paskola i\u0161 statyb\u0173 bendrov\u0117s<\/strong>. Paprastai ji siejama su didesn\u0117mis pal\u016bkan\u0173 normomis, o tai dvigubai pasakytina apie tarpin\u0119 paskol\u0105. Jos atveju i\u0161 esm\u0117s mokate pal\u016bkanas tol, kol \u012fvykdote \u012fprastos paskolos s\u0105lygas.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Paskolos, teikiamos kaip kaupiamoji paskola, klientams suteikiamos ma\u017eesn\u0117s sumos nei hipotekos atveju. <\/p>\n<cite>Madison L., banko tarnautoja.<\/cite><\/blockquote>\n\n\n\n<p>Be to, kai kurios taupomosios kasos ver\u010dia jus gauti tinkam\u0105 paskol\u0105 i\u0161 statyb\u0173 draugijos sudarant sutart\u012f d\u0117l kito draugijos produkto. Taip pat turite atsi\u017evelgti \u012f tai, kad tai yra tikslin\u0117 paskola, kai reikia \u012frodyti, kaip finansavote l\u0117\u0161as.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Statyb\u0173 draugijos paskolos ir hipotekos paskolos tikslas yra tas pats - \u012fsigyti b\u016bst\u0105.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotekos paskola ar paskola i\u0161 statyb\u0173 bendrov\u0117s?<\/h2>\n\n\n\n<p>\u012e \u0161\u012f klausim\u0105 tikriausiai negalima atsakyti vienareik\u0161mi\u0161kai. Kiekvieno i\u0161 m\u016bs\u0173 poreikiai investuojant \u012f nekilnojam\u0105j\u012f turt\u0105 \u0161iek tiek skiriasi. Be to, daugelio i\u0161 m\u016bs\u0173 gyvenimo ir finansin\u0117s aplinkyb\u0117s skiriasi. <em>Vieniems tiks hipotekos paskola, kitiems - tinkama paskola i\u0161 statyb\u0173 draugijos.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Klausimai ir atsakymai<\/h3>\n\n\n\n<p>Jei vis dar nesate tikri, kuris paskolos produktas jums tinka nuosavam nekilnojamajam turtui finansuoti, perskaitykite \u0161ias eilutes. Da\u017eniausiai u\u017eduodami klausimai ir atsakymai gali pad\u0117ti jums su\u017einoti tai, k\u0105 reikia \u017einoti, ir palengvinti j\u016bs\u0173 apsisprendim\u0105.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">Kam galiu naudoti statyb\u0173 bendrov\u0117s paskol\u0105?<\/strong> <p class=\"schema-faq-answer\">Juo galite finansuoti \u017eem\u0117s sklypo pirkim\u0105, namo statyb\u0105, nekilnojamojo turto \u012fsigijim\u0105, taip pat rekonstrukcij\u0105 ar paveld\u0117jimo proced\u016bras.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">O kaip d\u0117l tikslin\u0117s paskolos i\u0161 statyb\u0173 draugijos sumos?<\/strong> <p class=\"schema-faq-answer\">Pasira\u0161ydami sutart\u012f nustatote tikslin\u0119 sum\u0105. Tada turite sutaupyti bent 30-50 %. Likusi\u0105 sum\u0105 taupomoji kasa jums paskolins kaip \u012fprast\u0105 paskol\u0105.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Ar yra koki\u0173 nors papildom\u0173 mokes\u010di\u0173, susijusi\u0173 su b\u016bsto paskola?<\/strong> <p class=\"schema-faq-answer\">Taip, gali b\u016bti taikomi hipotekos organizavimo mokes\u010diai. Nekilnojamojo turto vertinimas n\u0117ra i\u0161imtis. Bankai taip pat reikalauja, kad apsidraustum\u0117te nuo \u012fsipareigojim\u0173 nevykdymo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Ar galima anks\u010diau gr\u0105\u017einti hipotek\u0105 arba paskol\u0105 i\u0161 statyb\u0173 draugijos?<\/strong> <p class=\"schema-faq-answer\">Taip, toki\u0105 galimyb\u0119 turite. Ta\u010diau, jei tai b\u016bsto paskola, paprastai tai apsimoka fiksuotojo laikotarpio pabaigoje. Prie\u0161ingu atveju galite mok\u0117ti papildomus baudos mokes\u010dius.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Ar \u0161iais produktais taip pat galima pasinaudoti refinansuojant senas paskolas?<\/strong> <p class=\"schema-faq-answer\">Taip, hipotekos paskola ir statybos draugijos paskola gali b\u016bti naudojamos \u0161iems tikslams. Ta\u010diau pirmin\u0117s paskolos turi b\u016bti skirtos b\u016bstui finansuoti.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekos paskola ir b\u016bsto nuosavyb\u0117<\/h3>\n\n\n\n<p>Nesvarbu, ar renkat\u0117s b\u016bsto paskol\u0105, ar paskol\u0105 i\u0161 statyb\u0173 bendrov\u0117s, stenkit\u0117s nesikuklinti ties pirmu pasi\u016blymu. \u0160i\u0173 paslaug\u0173 teik\u0117j\u0173 yra daugiau nei pakankamai. Tod\u0117l verta <strong>palyginti atskirus produktus<\/strong> ir i\u0161sirinkite tinkamiausi\u0105 ir naudingiausi\u0105 savo poreikiams. Hipotekos paskol\u0173 kaina gali b\u016bti gana skirtinga.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hipotekos paskola ir paskola statyb\u0173 bendrovei yra finansiniai produktai, susij\u0119 su nekilnojamojo turto \u012fsigijimu. Butai, namai ir \u017eem\u0117s sklypai yra \u012fdomios investavimo galimyb\u0117s. Jei svajojate apie nuosav\u0105 b\u016bst\u0105, bet neturite pakankamai pinig\u0173, i\u0161 esm\u0117s yra trys galimyb\u0117s, kurias i\u0161samiau aptarsime tolesn\u0117se eilut\u0117se. Naudodamiesi \u0161iomis paskol\u0173 ... <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Zn\u00e1te rozd\u00edly mezi nimi?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/lt\/hipotekos-kreditas-ir-kreditas-is-statybos-sprendimu\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Zn\u00e1te rozd\u00edly mezi nimi?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/lt\/hipotekos-kreditas-ir-kreditas-is-statybos-sprendimu\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-14T16:27:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:42:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"679\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/\"},\"author\":{\"name\":\"George Martin\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"headline\":\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed\",\"datePublished\":\"2023-05-14T16:27:15+00:00\",\"dateModified\":\"2025-09-05T05:42:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/\"},\"wordCount\":1917,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg\",\"keywords\":[\"hypot\u00e9\u010dn\u00ed \u00fav\u011br\",\"hypot\u00e9ka\",\"hypot\u00e9ky\",\"nemovitost\",\"pozemek\",\"p\u0159eklenovac\u00ed \u00fav\u011br\",\"stavebn\u00ed spo\u0159en\u00ed\",\"\u00fav\u011br\",\"\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed\",\"\u00fav\u011bry\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"lt-LT\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/\",\"name\":\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg\",\"datePublished\":\"2023-05-14T16:27:15+00:00\",\"dateModified\":\"2025-09-05T05:42:36+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"description\":\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Zn\u00e1te rozd\u00edly mezi nimi?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254062915\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254073073\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254095838\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254104486\"}],\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg\",\"width\":1200,\"height\":679,\"caption\":\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/lt\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254062915\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254062915\",\"name\":\"Na co lze pou\u017e\u00edt \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254073073\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254073073\",\"name\":\"Jak je to s c\u00edlovou \u010d\u00e1stkou u \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"name\":\"Je hypot\u00e9\u010dn\u00ed \u00fav\u011br spjat s n\u011bjak\u00fdmi poplatky nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254095838\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254095838\",\"name\":\"Je mo\u017en\u00e9 doplatit hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed d\u0159\u00edve?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254104486\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254104486\",\"name\":\"Lze t\u011bmito produkty tak\u00e9 refinancovat star\u00e9 p\u016fj\u010dky?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. P\u016fvodn\u00ed p\u016fj\u010dky se ale mus\u00ed t\u00fdkat financov\u00e1n\u00ed bydlen\u00ed.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hipotekos paskola vs. paskola i\u0161 kaupiam\u0173j\u0173 l\u0117\u0161\u0173 - REGBU.COM","description":"Hipotekos paskola yra vienas i\u0161 b\u016bd\u0173 finansuoti nuosav\u0105 b\u016bst\u0105. Kitas b\u016bdas - paskola i\u0161 statyb\u0173 draugijos. Ar \u017einote, kuo jie skiriasi?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/lt\/hipotekos-kreditas-ir-kreditas-is-statybos-sprendimu\/","og_locale":"lt_LT","og_type":"article","og_title":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM","og_description":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Zn\u00e1te rozd\u00edly mezi nimi?","og_url":"https:\/\/regbu.com\/lt\/hipotekos-kreditas-ir-kreditas-is-statybos-sprendimu\/","og_site_name":"REGBU.COM","article_published_time":"2023-05-14T16:27:15+00:00","article_modified_time":"2025-09-05T05:42:36+00:00","og_image":[{"width":1200,"height":679,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"9 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","datePublished":"2023-05-14T16:27:15+00:00","dateModified":"2025-09-05T05:42:36+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"},"wordCount":1917,"image":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","keywords":["hypot\u00e9\u010dn\u00ed \u00fav\u011br","hypot\u00e9ka","hypot\u00e9ky","nemovitost","pozemek","p\u0159eklenovac\u00ed \u00fav\u011br","stavebn\u00ed spo\u0159en\u00ed","\u00fav\u011br","\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"lt-LT"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/","url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/","name":"Hipotekos paskola vs. paskola i\u0161 kaupiam\u0173j\u0173 l\u0117\u0161\u0173 - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","datePublished":"2023-05-14T16:27:15+00:00","dateModified":"2025-09-05T05:42:36+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Hipotekos paskola yra vienas i\u0161 b\u016bd\u0173 finansuoti nuosav\u0105 b\u016bst\u0105. Kitas b\u016bdas - paskola i\u0161 statyb\u0173 draugijos. Ar \u017einote, kuo jie skiriasi?","breadcrumb":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486"}],"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","width":1200,"height":679,"caption":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George'as Martinas","url":"https:\/\/regbu.com\/lt\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","position":1,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","name":"Kam galiu naudoti statyb\u0173 bendrov\u0117s paskol\u0105?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","position":2,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","name":"O kaip d\u0117l tikslin\u0117s paskolos i\u0161 statyb\u0173 draugijos sumos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","position":3,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","name":"Ar yra koki\u0173 nors papildom\u0173 mokes\u010di\u0173, susijusi\u0173 su b\u016bsto paskola?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"Ar galima anks\u010diau gr\u0105\u017einti hipotek\u0105 arba paskol\u0105 i\u0161 statyb\u0173 draugijos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","position":5,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","name":"Ar \u0161iais produktais taip pat galima pasinaudoti refinansuojant senas paskolas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. P\u016fvodn\u00ed p\u016fj\u010dky se ale mus\u00ed t\u00fdkat financov\u00e1n\u00ed bydlen\u00ed.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/792","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/comments?post=792"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/792\/revisions"}],"predecessor-version":[{"id":797,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/792\/revisions\/797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/media\/793"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/media?parent=792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/categories?post=792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/tags?post=792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}