[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mpu.sk\/predaj-bytu-ktory-ma-tarchu-na-uvery-bude-to-zlozitejsi-proces\/#Article","mainEntityOfPage":"https:\/\/www.mpu.sk\/predaj-bytu-ktory-ma-tarchu-na-uvery-bude-to-zlozitejsi-proces\/","headline":"Predaj bytu, ktor\u00fd m\u00e1 \u0165archu na \u00favery? Bude to zlo\u017eitej\u0161\u00ed proces","name":"Predaj bytu, ktor\u00fd m\u00e1 \u0165archu na \u00favery? Bude to zlo\u017eitej\u0161\u00ed proces","description":"Aj vy prem\u00fd\u0161\u013eate o\u00a0tom, \u017ee sa pres\u0165ahujete? Chcete v\u00e4\u010d\u0161\u00ed alebo men\u0161\u00ed byt? Alebo nov\u0161\u00ed? Ak hovor\u00edme o\u00a0predaji bytu, ktor\u00fd je…","datePublished":"2018-01-21","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.mpu.sk\/author\/#Person","name":"","url":"https:\/\/www.mpu.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mpu.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mpu.sk\/wp-content\/uploads\/img_a286043_w16570_t1521657839.jpg","url":"https:\/\/www.mpu.sk\/wp-content\/uploads\/img_a286043_w16570_t1521657839.jpg","height":0,"width":0},"url":"https:\/\/www.mpu.sk\/predaj-bytu-ktory-ma-tarchu-na-uvery-bude-to-zlozitejsi-proces\/","about":["Www"],"wordCount":383,"articleBody":"Aj vy prem\u00fd\u0161\u013eate o\u00a0tom, \u017ee sa pres\u0165ahujete? Chcete v\u00e4\u010d\u0161\u00ed alebo men\u0161\u00ed byt? Alebo nov\u0161\u00ed?Ak hovor\u00edme o\u00a0predaji bytu, ktor\u00fd je za\u0165a\u017een\u00fd hypot\u00e9kou, tak je to beh na dlh\u00e9 trate. Nie ka\u017ed\u00fd je ochotn\u00fd zak\u00fapi\u0165 byt, na ktorom je \u00faver. Alternat\u00edvou je to, \u017ee \u0165archy sa zbav\u00edte jej splaten\u00edm. Taktie\u017e m\u00e1te mo\u017enos\u0165 prenies\u0165 si ju na doposia\u013e nedostavan\u00fd dom.\tV\u00fd\u0161ka z\u00e1bezpekyPri prenose hypot\u00e9ky z\u00a0bytu na dom, je potrebn\u00e9 oslovi\u0165 banku a\u00a0zisti\u0165 v\u00fd\u0161ku zostatkov\u00e9ho \u00faveru. Pravdou je, \u017ee banka nemus\u00ed nutne vyjadri\u0165 s\u00fahlas pri prenose \u0165archy\u00a0 z\u00a0bytu na dom. Ve\u013ek\u00fa rolu v\u00a0tomto procese zohr\u00e1va hodnota nehnute\u013enosti. V\u00a0skratke, banka zanalyzuje \u010di v\u00e1\u0161 pozemok je schopn\u00fd zabezpe\u010di\u0165 poh\u013ead\u00e1vky banky vo\u010di bytu.\tKedy je dom domom?Ur\u010dite viete, \u017ee ku ka\u017edej nehnute\u013enosti m\u00e1 banka individu\u00e1lny postoj. Bolo by dobr\u00e9, ak by ste si v\u00a0banke objasnili, kedy sa d\u00e1 na nov\u00fd dom pren\u00e1\u0161a\u0165 \u0165archa. To znamen\u00e1, v\u00a0akom \u0161t\u00e1diu by mala by\u0165 novostavba rozostavan\u00e1.Nezabudnite si zisti\u0165, ak\u00e9 s\u00fa krit\u00e9ri\u00e1 pri posudzovan\u00ed domu z\u00a0dreva alebo pri tehlov\u00fdch domoch. Aj pri takomto type stavieb m\u00f4\u017eu byt krit\u00e9ri\u00e1 zna\u010dne rozdielne.\tA\u00a0\u010do poplatky?Pri vy\u0161\u0161ie spomenut\u00fdch akci\u00e1ch si m\u00f4\u017eete by\u0165 viac-menej ist\u00fd, \u017ee v\u00e1s finan\u010dne nezruinuj\u00fa. Treba myslie\u0165 na poplatky za znalcov. T\u00ed bud\u00fa ohodnocova\u0165 v\u00e1\u0161 byt alebo dom. Hodnoty sa pohybuj\u00fa pribli\u017ene okolo 150 eur.Pri zmene z\u00e1lo\u017en\u00fdch pr\u00e1v z\u00a0bytu na dom banky po\u017eaduj\u00fa poplatky v\u00a0hodnot\u00e1ch 150 a\u017e 200 eur. Banky to ber\u00fa ako zmenu zmluvn\u00fdch podmienok. V\u00a0tomto pr\u00edpade s\u00fa aj poplatky vy\u0161\u0161ie. Vo v\u0161etk\u00fdch bank\u00e1ch sa hodnoty t\u00fdchto poplatkov pohybuj\u00fa v\u00a0pribli\u017ene rovnak\u00fdch cenov\u00fdch hladin\u00e1ch.\u010co sa t\u00fdka poplatkov spojen\u00fdch s konan\u00edm na katastroch, tak tie v\u00e1s vyjd\u00fa od 33 eur do 266 eur. Vy\u0161\u0161ia suma sa \u00fa\u010dtuje v\u00a0pr\u00edpade zr\u00fdchlen\u00e9ho n\u00e1vrhu. Sumu 66 eur zaplat\u00edte za be\u017en\u00fd n\u00e1vrh a\u00a0najlacnej\u0161ie v\u00e1s vyjde elektronick\u00fd n\u00e1vrh. Ten v\u00e1s vyjde na spom\u00ednan\u00fdch 33 eur.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Predaj bytu, ktor\u00fd m\u00e1 \u0165archu na \u00favery? Bude to zlo\u017eitej\u0161\u00ed proces","item":"https:\/\/www.mpu.sk\/predaj-bytu-ktory-ma-tarchu-na-uvery-bude-to-zlozitejsi-proces\/#breadcrumbitem"}]}]