{"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\/sl\/hipotekarni-kredit-vs-kredit-iz-gradbenih-resitev\/","title":{"rendered":"Hipotekarno posojilo v primerjavi s posojilom gradbene dru\u017ebe"},"content":{"rendered":"<p>Hipotekarno posojilo in posojilo gradbene dru\u017ebe sta finan\u010dna produkta, povezana z nakupom nepremi\u010dnine. Stanovanja, hi\u0161e in gradbene parcele so zanimive <a href=\"https:\/\/regbu.com\/sl\/nalozbene-moznosti-so-precej-bogate\/\"><strong>nalo\u017ebene prilo\u017enosti<\/strong><\/a>. \u010ce sanjate o lastni hi\u0161i in nimate dovolj denarja, imate na voljo tri mo\u017enosti, ki jih bomo podrobneje predstavili v naslednjih vrsticah.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hipotekarno posojilo<\/li>\n\n\n\n<li>Premostitveno posojilo<\/li>\n\n\n\n<li>Ustrezno posojilo gradbene dru\u017ebe<\/li>\n<\/ul>\n\n\n\n<p>S pomo\u010djo teh posojilnih produktov lahko financirate ve\u010d kot le nakup nepremi\u010dnine. Na voljo so tudi \u0161tevilne druge re\u0161itve v obliki <strong>rekonstrukcija in modernizacija<\/strong>. Celotna izgradnja dru\u017einskega doma in premo\u017eenjska ureditev zakoncev je poglavje zase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dostopnost hipotek se slab\u0161a<\/h2>\n\n\n\n<p>Najprej si poglejmo financiranje nepremi\u010dnin nekoliko bolj na splo\u0161no. Hipotekarni razcvet je seveda vezan na \u010dasovni okvir. Poglejmo le pretekla leta in gibanje cen nepremi\u010dnin, ki so povezane tudi z gibanjem obrestnih mer in zanimanjem potencialnih strank. Na \u010ce\u0161kem si lahko na primer ogledamo zgodovinske podatke, povezane s prej\u0161njimi leti.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Leto<\/strong><\/td><td><strong>Obrestna mera<\/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\">Kako so se v zadnjih letih razvijale obrestne mere za hipotekarna posojila na \u010ce\u0161kem?<\/figcaption><\/figure>\n\n\n\n<p>Posojilo pri hranilnici je obi\u010dajno <em>po obrestni meri konkurira hipotekarnemu posojilu.<\/em>. Vsekakor ne morete pri\u010dakovati velikih razlik. Te so bolj povezane z izdelki samimi. Vsak od njih ima dolo\u010dene prednosti in slabosti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekarno posojilo pri banki<\/h3>\n\n\n\n<p>V tem \u010dlanku se osredoto\u010damo na hipotekarno posojilo, ki ga odobri ban\u010dna institucija. Seveda so na trgu tudi neban\u010dna podjetja, ki ponujajo vi\u0161je zneske. Vendar so ta obi\u010dajno povezana z visokimi obrestnimi merami in neugodnimi odpla\u010dilnimi pogoji.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Posojila gradbenih hranilnic zagotavljajo hranilnice in so eden od prevladujo\u010dih produktov v njihovem portfelju. <\/p>\n<cite>Barbara S., ban\u010dna uslu\u017ebenka.<\/cite><\/blockquote>\n\n\n\n<p>Premostitveno posojilo, omenjeno v uvodu tega \u010dlanka, je tesno povezano z obi\u010dajnim posojilom gradbene dru\u017ebe. <strong>Zato sodi med produkte hranilnic.<\/strong>. Ve\u010d o tem pa v naslednjih vrsticah.<\/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\">Denar iz hipotekarnega posojila se lahko uporabi predvsem za financiranje dru\u017einske nepremi\u010dnine.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotekarno posojilo in vse o njem<\/h2>\n\n\n\n<p>Hipotekarnega posojila verjetno ni treba podrobno predstavljati. Za tiste, ki so manj seznanjeni, pa imamo kratko opredelitev. Gre za dolgoro\u010dno vrsto posojila, ki vklju\u010duje hipoteko na nepremi\u010dnino. Obi\u010dajno je to nepremi\u010dnina, ki se financira, vendar tudi nepremi\u010dnine tretjih oseb niso izjema.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vrednost nepremi\u010dnine mora ustrezati znesku hipoteke.<\/li>\n\n\n\n<li>Zagotoviti je mogo\u010de ve\u010d razli\u010dnih vrst premo\u017eenja.<\/li>\n\n\n\n<li>V primeru tretjih oseb je potrebno njihovo soglasje.<\/li>\n<\/ul>\n\n\n\n<p>\u010ce bo za nepremi\u010dnino, ki jo kupujete, jam\u010dil nekdo drug, <em>nanj se prenesejo obveznosti, povezane z va\u0161o pla\u010dilno nesposobnostjo.<\/em>. To pomeni, da se lahko v te\u017eave znajde tretja oseba, \u010de hipotekarnega posojila ne odpla\u010dujete pravo\u010dasno.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prednosti hipotekarnega posojila<\/h3>\n\n\n\n<p>Najprej se osredoto\u010dimo na prednosti, ki vas bodo presenetile pri hipotekarnem posojilu. Pozitivnih lastnosti tega posojilnega produkta je ve\u010d kot dovolj. \u010ce za\u010dnemo \u010disto na za\u010detku, je to v bistvu eno najla\u017ejih in najugodnej\u0161ih posojil, ki je primerno za nakup katere koli vrste nepremi\u010dnine.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Nalo\u017ebene nepremi\u010dnine<\/td><td>Da<\/td><\/tr><tr><td>Poslovne nepremi\u010dnine<\/td><td>Da<\/td><\/tr><tr><td>Nepremi\u010dnine v va\u0161i lasti<\/td><td>Da<\/td><\/tr><tr><td>\u010cas fiksacije<\/td><td>Od enega do ve\u010d let<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Ali veste, za kaj lahko uporabite denar, ki ga dobite s hipotekarnim posojilom?<\/figcaption><\/figure>\n\n\n\n<p>Tako je hipotekarno posojilo namenjeno predvsem nakupu dru\u017einskih in rekreacijskih nepremi\u010dnin. Za nakup poslovnih nepremi\u010dnin je treba izbrati nekoliko spremenjen hipotekarni kredit. Kar zadeva obdobje fiksiranja, predstavlja zavarovanje v obliki fiksne obrestne mere za \u010das njene veljavnosti. Ta lahko traja eno leto, tri leta, pet let ali ve\u010d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Slabosti hipoteke<\/h3>\n\n\n\n<p>Kar je ugodno za enega, ni nujno ugodno za drugega. Zato morate poznati tudi negativne lastnosti, ki spremljajo hipotekarno posojilo. <strong>Upo\u0161tevati morate na primer obveznost za razmeroma dolgo obdobje.<\/strong>. Slednji je najpogosteje star med dvajset in trideset let. Pripravite se na to, da bo upravni postopek nekoliko dolgotrajen.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Za pridobitev hipotekarnega posojila morate prihraniti ustrezen znesek. Ta obi\u010dajno zna\u0161a pribli\u017eno 20 % vrednosti nepremi\u010dnine.<\/p>\n<cite>Olivia S., ban\u010dna uslu\u017ebenka.<\/cite><\/blockquote>\n\n\n\n<p>Glede na izbiro hipotekarnega posojila morate upo\u0161tevati tudi pristojbine, povezane s tem produktom. Hkrati se zavedajte, da vsaka nepremi\u010dnina ni primerna za hipotekarni kredit.<\/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\">\u010ce vas zanima hipoteka, se morate obrniti na banko.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Gradbeno var\u010devalno posojilo<\/h2>\n\n\n\n<p>In kaj je najve\u010dji konkurent hipotekarnega posojila? To je posojilo gradbene dru\u017ebe. Kot pove \u017ee njegovo ime, gre za posojilo gradbene dru\u017ebe, pri kateri lahko pozneje vzamete \u017eeleno posojilo. Vendar pa morate imeti privar\u010devan ustrezen znesek denarja. Hkrati morate var\u010devati \u017ee nekaj \u010dasa.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obdobje var\u010devanja najmanj 2 leti<\/li>\n\n\n\n<li>Prihranjeni znesek 30 do 60 %<\/li>\n\n\n\n<li>Premostitveno posojilo<\/li>\n<\/ul>\n\n\n\n<p>Gre za premostitveno posojilo, ki ga lahko dobite, ko <em>na podlagi pogojev niste upravi\u010deni do rednega posojila gradbene dru\u017ebe.<\/em>. Vendar so z njim povezane tudi nekatere pomanjkljivosti, ki bodo obravnavane v naslednjih poglavjih.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prednosti posojila gradbene dru\u017ebe<\/h2>\n\n\n\n<p>Za\u010dnimo znova s pozitivnimi vidiki, ki jih ponuja posojilo gradbene dru\u017ebe. Na nekaterih podro\u010djih celo presega hipotekarno posojilo. Pri ni\u017ejih zneskih se na primer lahko izognete poro\u0161tvu z nepremi\u010dnino ali iskanju poroka. Pri vi\u0161jih zneskih morate seveda jam\u010diti enako kot pri hipotekarnem posojilu.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Obrestna mera<\/td><td>Enako za celotno obdobje zapadlosti<\/td><\/tr><tr><td>Obdobje zapadlosti<\/td><td>Do 30 let<\/td><\/tr><tr><td>Var\u010devanje<\/td><td>Dr\u017eavna pomo\u010d in obrestne mere<\/td><\/tr><tr><td>Alternativna spletna stran<\/td><td>Premostitveno posojilo<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Posojilo gradbene dru\u017ebe prina\u0161a veliko zanimivih prednosti in ugodnosti.<\/figcaption><\/figure>\n\n\n\n<p>Omeniti je treba tudi dejstvo, da se pri vlogi za hipotekarno posojilo upo\u0161tevajo tudi sredstva, ki so bila odlo\u017eena na stran in so se pove\u010dala z gradbenim var\u010devanjem. Oba produkta sta torej na nekaterih podro\u010djih nekoliko prepletena.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Zakaj izbrati hipotekarno posojilo?<\/h3>\n\n\n\n<p>Zdaj pa \u0161e negativne lastnosti, ki jih ponuja <strong>posojilo gradbene dru\u017ebe<\/strong>. Na splo\u0161no je povezan z vi\u0161jimi obrestnimi merami, kar za premostitveno posojilo velja dvojno. V tem primeru v bistvu pla\u010dujete obresti, dokler ne izpolnite pogojev rednega posojila.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Pri posojilu iz naslova gradbenega var\u010devanja se strankam odobrijo ni\u017eji zneski kot pri hipotekarnem posojilu. <\/p>\n<cite>Madison L., ban\u010dni uslu\u017ebenec.<\/cite><\/blockquote>\n\n\n\n<p>Poleg tega vas nekatere hranilnice prisilijo, da ustrezno posojilo pri gradbeni hranilnici pridobite s sklenitvijo pogodbe za drug produkt hranilnice. Upo\u0161tevati morate tudi, da gre za namensko posojilo, pri katerem morate dokazati, kako ste financirali sredstva.<\/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\">Posojilo gradbene dru\u017ebe in hipotekarno posojilo imata isti cilj, to je lastni\u0161tvo stanovanja.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotekarno posojilo ali posojilo v gradbeni\u0161tvu?<\/h2>\n\n\n\n<p>Na to vpra\u0161anje verjetno ni mogo\u010de odgovoriti nedvoumno. Vsak od nas ima pri nalo\u017ebah v nepremi\u010dnine nekoliko druga\u010dne potrebe. Poleg tega imamo mnogi med nami razli\u010dne \u017eivljenjske in finan\u010dne okoli\u0161\u010dine. <em>Za nekatere je primerno hipotekarno posojilo, za druge pa ustrezno posojilo pri gradbeni dru\u017ebi.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vpra\u0161anja in odgovori<\/h3>\n\n\n\n<p>\u010ce \u0161e vedno niste prepri\u010dani, kateri kreditni produkt je pravi za financiranje lastne nepremi\u010dnine, preberite naslednje vrstice. Pogosta vpra\u0161anja in odgovori vam bodo morda povedali, kar morate vedeti, in vam olaj\u0161ali odlo\u010ditev.<\/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\">Za kaj lahko uporabim posojilo gradbene dru\u017ebe?<\/strong> <p class=\"schema-faq-answer\">Z njim lahko financirate nakup zemlji\u0161\u010da, gradnjo hi\u0161e, nakup nepremi\u010dnine, pa tudi obnovo ali ureditev zapu\u0161\u010dinskega postopka.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">Kako je s ciljnim zneskom za posojilo pri gradbeni\u0161tvu?<\/strong> <p class=\"schema-faq-answer\">Ciljni znesek dolo\u010dite ob podpisu pogodbe. Nato morate prihraniti vsaj 30 do 50 %. Preostali znesek vam bo hranilnica posodila v obliki rednega posojila.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Ali so s hipotekarnim posojilom povezani kak\u0161ni dodatni stro\u0161ki?<\/strong> <p class=\"schema-faq-answer\">Da, lahko se zara\u010dunajo provizije za ureditev hipoteke. Cenitev nepremi\u010dnine ni izjema. Banke od vas zahtevajo tudi sklenitev zavarovanja za primer nepla\u010dila.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Ali je mogo\u010de pred\u010dasno odpla\u010dati hipoteko ali posojilo pri gradbeni dru\u017ebi?<\/strong> <p class=\"schema-faq-answer\">Da, to mo\u017enost imate. Vendar pa se pri hipotekarnem posojilu ob koncu obdobja fiksiranja obi\u010dajno spla\u010da. V nasprotnem primeru lahko pla\u010date dodatne kazenske provizije.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Ali lahko te produkte uporabite tudi za refinanciranje starih posojil?<\/strong> <p class=\"schema-faq-answer\">Da, hipotekarno posojilo in posojilo gradbene dru\u017ebe lahko slu\u017eita tem namenom. Vendar morajo biti prvotna posojila namenjena financiranju stanovanjske gradnje.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotekarno posojilo in lastni\u0161tvo stanovanja<\/h3>\n\n\n\n<p>Ne glede na to, ali ste se odlo\u010dili za hipoteko ali posojilo v gradbeni\u0161tvu, poskusite ne prikimati prvi ponudbi. Ponudnikov teh storitev je ve\u010d kot dovolj. Zato se spla\u010da <strong>primerjava posameznih izdelkov<\/strong> in izberite najprimernej\u0161o in najugodnej\u0161o za svoje potrebe. Stro\u0161ki hipotekarnih posojil se lahko precej razlikujejo.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hipotekarno posojilo in posojilo gradbene dru\u017ebe sta finan\u010dna produkta, povezana z nakupom nepremi\u010dnine. Stanovanja, hi\u0161e in stavbna zemlji\u0161\u010da so zanimive nalo\u017ebene prilo\u017enosti. \u010ce sanjate o lastnem domu in nimate dovolj denarja, so vam v osnovi na voljo tri mo\u017enosti, ki jih bomo podrobneje obravnavali v naslednjih vrsticah. S pomo\u010djo teh posojil lahko pridobite posojilo za nakup nepremi\u010dnine, ki ga je mogo\u010de ... <\/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. 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Zn\u00e1te rozd\u00edly mezi nimi?","og_url":"https:\/\/regbu.com\/sl\/hipotekarni-kredit-vs-kredit-iz-gradbenih-resitev\/","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"},"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":"sl-SI"},{"@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":"Hipotekarno posojilo in posojilo iz gradbenega var\u010devanja - 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":"Hipotekarno posojilo je eden od na\u010dinov financiranja lastnega doma. Druga mo\u017enost je posojilo pri gradbeni dru\u017ebi. Ali poznate razlike med njima?","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":"sl-SI","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"sl-SI","@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":"sl-SI"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/sl\/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":"Za kaj lahko uporabim posojilo gradbene dru\u017ebe?","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":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Kako je s ciljnim zneskom za posojilo pri gradbeni\u0161tvu?","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":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Ali so s hipotekarnim posojilom povezani kak\u0161ni dodatni stro\u0161ki?","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":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Ali je mogo\u010de pred\u010dasno odpla\u010dati hipoteko ali posojilo pri gradbeni dru\u017ebi?","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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