{"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\/sk\/hypotekarne-uvery-a-uvery-zo-stavebneho-sporenia\/","title":{"rendered":"Hypotek\u00e1rny \u00faver verzus \u00faver zo stavebnej sporite\u013ene"},"content":{"rendered":"<p>Hypotek\u00e1rny \u00faver a \u00faver zo stavebn\u00e9ho sporenia s\u00fa finan\u010dn\u00e9 produkty s\u00favisiace s nadobudnut\u00edm nehnute\u013enosti. Zauj\u00edmav\u00e9 s\u00fa byty, domy a stavebn\u00e9 pozemky <a href=\"https:\/\/regbu.com\/sk\/investicne-moznosti-sa-do-celku-bohate\/\"><strong>investi\u010dn\u00e9 pr\u00edle\u017eitosti<\/strong><\/a>. Ak sn\u00edvate o vlastnom b\u00fdvan\u00ed a nem\u00e1te dostatok pe\u0148az\u00ed, m\u00e1te k dispoz\u00edcii v podstate tri mo\u017enosti, ktor\u00e9 podrobnej\u0161ie rozoberieme v nasleduj\u00facich riadkoch.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hypotek\u00e1rny \u00faver<\/li>\n\n\n\n<li>Preklenovac\u00ed \u00faver<\/li>\n\n\n\n<li>Riadny \u00faver od stavebnej sporite\u013ene<\/li>\n<\/ul>\n\n\n\n<p>Pomocou t\u00fdchto \u00faverov\u00fdch produktov m\u00f4\u017eete financova\u0165 viac ne\u017e len k\u00fapu nehnute\u013enosti. K dispoz\u00edcii je aj mnoho \u010fal\u0161\u00edch rie\u0161en\u00ed v podobe <strong>rekon\u0161trukcia a moderniz\u00e1cia<\/strong>. Samostatnou kapitolou je kompletn\u00e1 v\u00fdstavba rodinn\u00e9ho domu a majetkov\u00e9 vysporiadanie man\u017eelov.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dostupnos\u0165 hypot\u00e9k sa zhor\u0161uje<\/h2>\n\n\n\n<p>Najprv sa pozrime na financovanie nehnute\u013enost\u00ed trochu v\u0161eobecnej\u0161ie. Hypotek\u00e1rny boom je samozrejme spojen\u00fd s \u010dasovou osou. Sta\u010d\u00ed sa pozrie\u0165 na predch\u00e1dzaj\u00face roky a v\u00fdvoj cien nehnute\u013enost\u00ed, ktor\u00e9 s\u00favisia aj s v\u00fdvojom \u00farokov\u00fdch sadzieb a z\u00e1ujmom potenci\u00e1lnych klientov. M\u00f4\u017eeme sa napr\u00edklad pozrie\u0165 na historick\u00e9 \u00fadaje t\u00fdkaj\u00face sa predch\u00e1dzaj\u00facich rokov v \u010ceskej republike.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rok<\/strong><\/td><td><strong>\u00darokov\u00e1 sadzba<\/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\">Ak\u00fd bol v\u00fdvoj \u00farokov\u00fdch sadzieb hypot\u00e9k v \u010ceskej republike v posledn\u00fdch rokoch?<\/figcaption><\/figure>\n\n\n\n<p>\u00daver zo stavebnej sporite\u013ene zvy\u010dajne <em>konkuruje hypotek\u00e1rnemu \u00faveru z h\u013eadiska \u00farokovej sadzby<\/em>. Ur\u010dite nem\u00f4\u017eete o\u010dak\u00e1va\u0165 ve\u013ek\u00e9 rozdiely. Tie sa t\u00fdkaj\u00fa sk\u00f4r samotn\u00fdch v\u00fdrobkov. Ka\u017ed\u00fd z nich m\u00e1 ur\u010dit\u00e9 v\u00fdhody a nev\u00fdhody.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hypotek\u00e1rny \u00faver z banky<\/h3>\n\n\n\n<p>V tomto \u010dl\u00e1nku sa zameriame na hypotek\u00e1rny \u00faver poskytnut\u00fd bankovou in\u0161tit\u00faciou. Samozrejme, na trhu existuj\u00fa aj nebankov\u00e9 spolo\u010dnosti, ktor\u00e9 pon\u00fakaj\u00fa vy\u0161\u0161ie sumy pe\u0148az\u00ed. Tie s\u00fa v\u0161ak zvy\u010dajne spojen\u00e9 s vysok\u00fdmi \u00farokov\u00fdmi sadzbami a nev\u00fdhodn\u00fdmi podmienkami spl\u00e1cania.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00daver zo stavebn\u00e9ho sporenia poskytuj\u00fa sporite\u013ene a je jedn\u00fdm z dominantn\u00fdch produktov v ich portf\u00f3liu. <\/p>\n<cite>Barbara S., bankov\u00e1 \u00faradn\u00ed\u010dka.<\/cite><\/blockquote>\n\n\n\n<p>Preklenovac\u00ed \u00faver uveden\u00fd v \u00favode tohto \u010dl\u00e1nku \u00fazko s\u00favis\u00ed s be\u017en\u00fdm \u00faverom zo stavebn\u00e9ho sporenia. <strong>Patr\u00ed preto do produktov\u00e9ho radu sporite\u013en\u00ed<\/strong>. Ale o tom viac v nasleduj\u00facich riadkoch.<\/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\">Peniaze z hypotek\u00e1rneho \u00faveru mo\u017eno pou\u017ei\u0165 predov\u0161etk\u00fdm na financovanie rodinnej nehnute\u013enosti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hypotek\u00e1rny \u00faver a v\u0161etko o \u0148om<\/h2>\n\n\n\n<p>Hypotek\u00e1rny \u00faver pravdepodobne nie je potrebn\u00e9 podrobne predstavova\u0165. Pre t\u00fdch menej znal\u00fdch v\u0161ak m\u00e1me stru\u010dn\u00fa defin\u00edciu. Ide o dlhodob\u00fd typ \u00faveru, ktor\u00fd zah\u0155\u0148a z\u00e1lo\u017en\u00e9 pr\u00e1vo na nehnute\u013enos\u0165. Zvy\u010dajne sa financuje nehnute\u013enos\u0165, ale v\u00fdnimkou nie s\u00fa ani nehnute\u013enosti tret\u00edch os\u00f4b.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hodnota nehnute\u013enosti mus\u00ed zodpoveda\u0165 v\u00fd\u0161ke hypot\u00e9ky<\/li>\n\n\n\n<li>Zaru\u010di\u0165 sa d\u00e1 nieko\u013eko r\u00f4znych druhov majetku<\/li>\n\n\n\n<li>V pr\u00edpade tret\u00edch str\u00e1n sa vy\u017eaduje ich s\u00fahlas<\/li>\n<\/ul>\n\n\n\n<p>Ak za kupovan\u00fa nehnute\u013enos\u0165 ru\u010d\u00ed niekto in\u00fd, <em>z\u00e1v\u00e4zky spojen\u00e9 s va\u0161ou platobnou neschopnos\u0165ou prech\u00e1dzaj\u00fa na neho.<\/em>. To znamen\u00e1, \u017ee ak hypotek\u00e1rny \u00faver nespl\u00e1cate na\u010das, do probl\u00e9mov sa m\u00f4\u017ee dosta\u0165 tretia strana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdhody hypotek\u00e1rneho \u00faveru<\/h3>\n\n\n\n<p>Zamerajme sa najprv na to, ak\u00e9 pozit\u00edva v\u00e1s prekvapia pri hypotek\u00e1rnom \u00favere. Pozit\u00edvnych vlastnost\u00ed tohto \u00faverov\u00e9ho produktu je viac ne\u017e dos\u0165. Ak za\u010dneme \u00faplne od za\u010diatku, ide v podstate o jeden z najjednoduch\u0161\u00edch a najdostupnej\u0161\u00edch \u00faverov vhodn\u00fdch na obstaranie ak\u00e9hoko\u013evek typu nehnute\u013enosti.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>Invest\u00edcie do nehnute\u013enost\u00ed<\/td><td>\u00c1no<\/td><\/tr><tr><td>Obchodn\u00fd majetok<\/td><td>\u00c1no<\/td><\/tr><tr><td>Majetok vo va\u0161om vlastn\u00edctve<\/td><td>\u00c1no<\/td><\/tr><tr><td>\u010cas fix\u00e1cie<\/td><td>Jeden a\u017e nieko\u013eko rokov<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Viete, na \u010do m\u00f4\u017eete pou\u017ei\u0165 peniaze z\u00edskan\u00e9 z hypotek\u00e1rneho \u00faveru?<\/figcaption><\/figure>\n\n\n\n<p>Hypotek\u00e1rny \u00faver ako tak\u00fd je ur\u010den\u00fd predov\u0161etk\u00fdm na k\u00fapu rodinn\u00fdch a rekrea\u010dn\u00fdch nehnute\u013enost\u00ed. Na obstaranie podnikate\u013esk\u00fdch nehnute\u013enost\u00ed by sa mal zvoli\u0165 mierne upraven\u00fd hypotek\u00e1rny \u00faver. Pokia\u013e ide o obdobie fix\u00e1cie, predstavuje zabezpe\u010denie v podobe pevnej \u00farokovej sadzby po\u010das celej doby jej platnosti. T\u00e1 m\u00f4\u017ee trva\u0165 jeden rok, tri roky, p\u00e4\u0165 rokov alebo viac.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nev\u00fdhody hypot\u00e9ky<\/h3>\n\n\n\n<p>\u010co je v\u00fdhodn\u00e9 pre jedn\u00e9ho, nemus\u00ed by\u0165 v\u00fdhodn\u00e9 pre druh\u00e9ho. Preto by ste mali pozna\u0165 aj negat\u00edva, ktor\u00e9 sprev\u00e1dzaj\u00fa hypotek\u00e1rny \u00faver. <strong>Mus\u00edte napr\u00edklad zoh\u013eadni\u0165 \u00faverov\u00fd z\u00e1v\u00e4zok na pomerne dlh\u00e9 obdobie.<\/strong>. T\u00e1 je naj\u010dastej\u0161ie vo veku od dvadsa\u0165 do tridsa\u0165 rokov. Pripravte sa na to, \u017ee administrat\u00edvny proces bude trochu zd\u013ahav\u00fd.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Ak chcete z\u00edska\u0165 hypotek\u00e1rny \u00faver, mus\u00edte ma\u0165 nasporen\u00fa pr\u00edslu\u0161n\u00fa sumu. T\u00e1 sa zvy\u010dajne pohybuje okolo 20 % z hodnoty nehnute\u013enosti.<\/p>\n<cite>Olivia S., bankov\u00e1 \u00faradn\u00ed\u010dka.<\/cite><\/blockquote>\n\n\n\n<p>V z\u00e1vislosti od v\u00fdberu hypotek\u00e1rneho \u00faveru mus\u00edte zoh\u013eadni\u0165 aj poplatky spojen\u00e9 s t\u00fdmto produktom. Z\u00e1rove\u0148 si uvedomte, \u017ee nie ka\u017ed\u00e1 nehnute\u013enos\u0165 je vhodn\u00e1 na hypot\u00e9ku.<\/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\">Ak m\u00e1te z\u00e1ujem o hypot\u00e9ku, mus\u00edte \u00eds\u0165 do banky.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Stavebn\u00e9 sporenie Loan<\/h2>\n\n\n\n<p>A \u010do je najv\u00e4\u010d\u0161\u00edm konkurentom hypotek\u00e1rneho \u00faveru? Je to \u00faver zo stavebnej sporite\u013ene. Ako u\u017e n\u00e1zov napoved\u00e1, ide o \u00faver zo stavebn\u00e9ho sporenia, z ktor\u00e9ho si n\u00e1sledne m\u00f4\u017eete zobra\u0165 po\u017eadovan\u00fd \u00faver. Mus\u00edte v\u0161ak ma\u0165 nasporen\u00fa primeran\u00fa sumu pe\u0148az\u00ed. Z\u00e1rove\u0148 ste museli nejak\u00fd \u010das spori\u0165.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obdobie sporenia najmenej 2 roky<\/li>\n\n\n\n<li>U\u0161etren\u00e1 suma 30 a\u017e 60 %<\/li>\n\n\n\n<li>Preklenovac\u00ed \u00faver<\/li>\n<\/ul>\n\n\n\n<p>Ide o preklenovac\u00ed \u00faver, ktor\u00fd mo\u017eno z\u00edska\u0165, ke\u010f <em>na z\u00e1klade podmienok nesp\u013a\u0148ate podmienky pre z\u00edskanie be\u017en\u00e9ho \u00faveru zo stavebnej sporite\u013ene<\/em>. S\u00fa s n\u00edm v\u0161ak spojen\u00e9 aj niektor\u00e9 nev\u00fdhody, ktor\u00e9 bud\u00fa rozobran\u00e9 v nasleduj\u00facich kapitol\u00e1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdhody \u00faveru zo stavebnej sporite\u013ene<\/h2>\n\n\n\n<p>Za\u010dnime pozit\u00edvne, teda t\u00fdm, \u010do pon\u00faka \u00faver zo stavebnej sporite\u013ene. V niektor\u00fdch oblastiach dokonca prevy\u0161uje hypotek\u00e1rny \u00faver. Napr\u00edklad pri ni\u017e\u0161\u00edch sum\u00e1ch sa m\u00f4\u017eete vyhn\u00fa\u0165 ru\u010deniu nehnute\u013enos\u0165ou alebo h\u013eadaniu ru\u010dite\u013ea. Pri vy\u0161\u0161\u00edch sum\u00e1ch mus\u00edte, samozrejme, ru\u010di\u0165 rovnako ako pri hypot\u00e9ke.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>\u00darokov\u00e1 sadzba<\/td><td>Rovnak\u00e9 po\u010das cel\u00e9ho obdobia splatnosti<\/td><\/tr><tr><td>Obdobie splatnosti<\/td><td>Do 30 rokov<\/td><\/tr><tr><td>\u00daspory<\/td><td>\u0160t\u00e1tna pomoc a \u00farokov\u00e9 sadzby<\/td><\/tr><tr><td>Alternat\u00edvne<\/td><td>Preklenovac\u00ed \u00faver<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u00daver zo stavebn\u00e9ho sporenia prin\u00e1\u0161a mno\u017estvo zauj\u00edmav\u00fdch v\u00fdhod a benefitov.<\/figcaption><\/figure>\n\n\n\n<p>Treba spomen\u00fa\u0165 aj skuto\u010dnos\u0165, \u017ee prostriedky odkladan\u00e9 a zhodnocovan\u00e9 prostredn\u00edctvom stavebn\u00e9ho sporenia sa zapo\u010d\u00edtavaj\u00fa pri \u017eiadosti o hypotek\u00e1rny \u00faver. Tieto dva produkty s\u00fa teda v niektor\u00fdch oblastiach do istej miery prepojen\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre\u010do si rad\u0161ej vybra\u0165 hypotek\u00e1rny \u00faver?<\/h3>\n\n\n\n<p>A teraz negat\u00edva, ktor\u00e9 pon\u00faka <strong>\u00faver zo stavebnej sporite\u013ene<\/strong>. Vo v\u0161eobecnosti sa sp\u00e1ja s vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sadzbami, \u010do v pr\u00edpade preklenovacieho \u00faveru plat\u00ed dvojn\u00e1sobne. V jeho pr\u00edpade v podstate plat\u00edte \u00faroky dovtedy, k\u00fdm nespln\u00edte podmienky riadneho \u00faveru.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Pri \u00favere zo stavebn\u00e9ho sporenia sa klientom poskytuj\u00fa ni\u017e\u0161ie sumy ako pri hypot\u00e9ke. <\/p>\n<cite>Madison L., bankov\u00fd \u00faradn\u00edk.<\/cite><\/blockquote>\n\n\n\n<p>Okrem toho v\u00e1s niektor\u00e9 sporite\u013ene n\u00fatia z\u00edska\u0165 riadny \u00faver od stavebnej sporite\u013ene uzatvoren\u00edm zmluvy o inom produkte tejto sporite\u013ene. Mus\u00edte tie\u017e po\u010d\u00edta\u0165 s t\u00fdm, \u017ee ide o \u00fa\u010delov\u00fd \u00faver, pri ktorom mus\u00edte preuk\u00e1za\u0165 sp\u00f4sob financovania finan\u010dn\u00fdch prostriedkov.<\/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\">\u00daver zo stavebnej sporite\u013ene a hypotek\u00e1rny \u00faver maj\u00fa rovnak\u00fd cie\u013e, a to vlastni\u0165 b\u00fdvanie.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hypotek\u00e1rny \u00faver alebo \u00faver zo stavebnej sporite\u013ene?<\/h2>\n\n\n\n<p>Na t\u00fato ot\u00e1zku sa pravdepodobne ned\u00e1 jednozna\u010dne odpoveda\u0165. Ka\u017ed\u00fd z n\u00e1s m\u00e1 z h\u013eadiska invest\u00edci\u00ed do nehnute\u013enost\u00ed trochu in\u00e9 potreby. Okrem toho mnoh\u00ed z n\u00e1s maj\u00fa odli\u0161n\u00e9 \u017eivotn\u00e9 a finan\u010dn\u00e9 podmienky. <em>Pre niekoho je vhodn\u00fd hypotek\u00e1rny \u00faver, pre in\u00e9ho riadny \u00faver zo stavebnej sporite\u013ene.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ot\u00e1zky a odpovede<\/h3>\n\n\n\n<p>Ak si st\u00e1le nie ste ist\u00ed, ktor\u00fd \u00faverov\u00fd produkt je pre v\u00e1s vhodn\u00fd na financovanie vlastnej nehnute\u013enosti, pre\u010d\u00edtajte si nasleduj\u00face riadky. \u010casto kladen\u00e9 ot\u00e1zky v\u00e1m mo\u017eno prezradia, \u010do potrebujete vedie\u0165, a u\u013eah\u010dia v\u00e1m rozhodovanie.<\/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\">Na \u010do m\u00f4\u017eem pou\u017ei\u0165 \u00faver zo stavebnej sporite\u013ene?<\/strong> <p class=\"schema-faq-answer\">M\u00f4\u017eete ho pou\u017ei\u0165 na financovanie k\u00fapy pozemku, v\u00fdstavby domu, k\u00fapy nehnute\u013enosti, ale aj na rekon\u0161trukciu alebo na vybavenie dedi\u010dsk\u00e9ho konania.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">A \u010do cie\u013eov\u00e1 suma \u00faveru zo stavebnej sporite\u013ene?<\/strong> <p class=\"schema-faq-answer\">Pri podpise zmluvy si stanov\u00edte cie\u013eov\u00fa sumu. Potom mus\u00edte u\u0161etri\u0165 aspo\u0148 30 a\u017e 50 %. Zvy\u0161n\u00fa sumu v\u00e1m sporite\u013e\u0148a po\u017ei\u010dia vo forme be\u017en\u00e9ho \u00faveru.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">S\u00fa s hypotek\u00e1rnym \u00faverom spojen\u00e9 nejak\u00e9 dodato\u010dn\u00e9 poplatky?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, m\u00f4\u017eu sa \u00fa\u010dtova\u0165 poplatky za vybavenie hypot\u00e9ky. Odhad nehnute\u013enosti nie je v\u00fdnimkou. Banky tie\u017e vy\u017eaduj\u00fa, aby ste uzavreli poistenie proti neschopnosti spl\u00e1ca\u0165 \u00faver.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Je mo\u017en\u00e9 splati\u0165 hypot\u00e9ku alebo \u00faver zo stavebnej sporite\u013ene sk\u00f4r?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, m\u00e1te t\u00fato mo\u017enos\u0165. V pr\u00edpade hypotek\u00e1rneho \u00faveru sa to v\u0161ak na konci fixa\u010dn\u00e9ho obdobia zvy\u010dajne oplat\u00ed. V opa\u010dnom pr\u00edpade m\u00f4\u017eete zaplati\u0165 \u010fal\u0161ie sank\u010dn\u00e9 poplatky.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Mo\u017eno tieto produkty pou\u017ei\u0165 aj na refinancovanie star\u00fdch \u00faverov?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, hypotek\u00e1rny \u00faver a \u00faver zo stavebnej sporite\u013ene m\u00f4\u017eu sl\u00fa\u017ei\u0165 na tieto \u00fa\u010dely. P\u00f4vodn\u00e9 \u00favery v\u0161ak musia by\u0165 ur\u010den\u00e9 na financovanie b\u00fdvania.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hypotek\u00e1rny \u00faver a vlastn\u00edctvo domu<\/h3>\n\n\n\n<p>\u010ci u\u017e sa rozhodnete pre hypot\u00e9ku alebo \u00faver zo stavebn\u00e9ho sporenia, sna\u017ete sa nek\u00fdvnu\u0165 na prv\u00fa ponuku. Poskytovate\u013eov t\u00fdchto slu\u017eieb je viac ne\u017e dos\u0165. Preto sa oplat\u00ed <strong>porovna\u0165 jednotliv\u00e9 produkty<\/strong> a vyberte si t\u00fa najvhodnej\u0161iu a najv\u00fdhodnej\u0161iu pre va\u0161e potreby. N\u00e1klady na hypot\u00e9ky sa m\u00f4\u017eu dos\u0165 l\u00ed\u0161i\u0165.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hypotek\u00e1rny \u00faver a \u00faver zo stavebn\u00e9ho sporenia s\u00fa finan\u010dn\u00e9 produkty s\u00favisiace s nadobudnut\u00edm nehnute\u013enosti. Byty, domy a stavebn\u00e9 pozemky s\u00fa zauj\u00edmav\u00fdmi investi\u010dn\u00fdmi pr\u00edle\u017eitos\u0165ami. Ak sn\u00edvate o vlastnom b\u00fdvan\u00ed a nem\u00e1te dostatok pe\u0148az\u00ed, m\u00e1te k dispoz\u00edcii v z\u00e1sade tri mo\u017enosti, ktor\u00e9 si podrobnej\u0161ie rozoberieme v nasleduj\u00facich riadkoch. Pomocou t\u00fdchto \u00faverov\u00fdch ... <\/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 v27.4 - 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. 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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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@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. 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Viete, ak\u00e9 s\u00fa medzi nimi rozdiely?","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":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"sk-SK","@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":"sk-SK"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/sk\/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 \u010do m\u00f4\u017eem pou\u017ei\u0165 \u00faver zo stavebnej sporite\u013ene?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@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":"A \u010do cie\u013eov\u00e1 suma \u00faveru zo stavebnej sporite\u013ene?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@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":"S\u00fa s hypotek\u00e1rnym \u00faverom spojen\u00e9 nejak\u00e9 dodato\u010dn\u00e9 poplatky?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@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 splati\u0165 hypot\u00e9ku alebo \u00faver zo stavebnej sporite\u013ene sk\u00f4r?","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":"sk-SK"},"inLanguage":"sk-SK"},{"@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":"Mo\u017eno tieto produkty pou\u017ei\u0165 aj na refinancovanie star\u00fdch \u00faverov?","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. 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