Rozhodli ste sa stavať dom? Ako získať hypotéku?

Žiadať banku o financovanie stavby domu od základov, to je skutočne náročná výzva. Čaká vás veľa vybavovania, nekonečné konzultácie s odborníkmi, získavanie povolení a súhlasných stanovísk, papierovačky.

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Hypotéka na kúpu hotového domu sa získava jednoduchšie, pretože nehnuteľnosť, ktorú potrebujete financovať, už existuje. Môžete ju teda založiť a banka má väčšiu istotu, že sa jej vynaložené prostriedky vrátia. Pri stavbe domu potrebujete najskôr kúpiť pozemok, vybaviť stavebné povolenie, projekt domu a veľa ďalších záležitostí.

Nie všetky banky umožňujú financovanie stavby už od kúpy pozemku. Tie, ktoré ponúkajú takúto možnosť, zohľadňujú pri uvoľňovaní finančných prostriedkov pomerne prísne kritériá. Viete, ktoré to sú?

Hodnota stavby

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Predpokladanú sumu, ktorú budete potrebovať na kompletnú stavbu domu, vám pomôže určiť znalec. Zohľadní pri tom tieto faktory:

  1. Typ domu

-       murovaný - ak nedisponujete veľkým finančným obnosom, bude to pre vás vhodnejšia cesta.

-       montovaný - pri rýchlej stavbe potrebujete väčšie finančné prostriedky, niekedy aj polovicu nákladov na stavbu.

  1. Lokalita/umiestnenie stavby

Výrazne ovplyvňuje cenu nehnuteľnosti, aj jej bezproblémovosť. Najvyššiu hodnotu majú nehnuteľnosti, umiestnené vo veľkých mestách, s dobrou občianskou vybavenosťou. Podstatné je tiež napojenie na inžinierske siete

  1. Prístupová cesta

Je jedným z najdôležitejších kritérií pri získavaní hypotéky na dom. Aby ste mali garanciu prístupu k svojej novostavbe, mala by byť prístupová cesta vo vlastníctve obce, prípadne s spoluvlastníckom podiele.

Čo treba vybaviť, ak chcete získať hypotéku na dom?

Detaily a plány stavby domu potrebuje mať banka kompletne zdokumentované. Budete potrebovať:

-       projekt domu, ktorý vám navrhne architekt

-       vytýčenie pôdorysu stavby

-       stavebné povolenie, niekedy je potrebné mať až 2 povolenia, ak sa chystáte na vedľajšie stavby, ako je garáž

-       súhlasné stanoviská od majiteľov okolitých pozemkov

-       začatú výstavbu obvodových múrov

-       znalecký posudok s budúcou hodnotou stavby.

Vaše finančné prostriedky

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Zamestnanie, živnosť či s. r. o.? Výška hypotéky na dom, ktorú vám banka poskytne, vždy závisí od vášho pravidelného príjmu. Pri hypotékach pre živnostníkov je to komplikovanejšie, pretože dokladovanie príjmu nie je tak jednoduché, ako pri zamestnancoch.

Podnikatelia majú väčšiu šancu získať hypotéku vo veľkých bankách.

Banka si overuje:

-       dĺžku doby podnikania

-       výšku príjmu ako percento z tržieb

-       hospodársky výsledok.

Príjem klienta, ktorý je spoločníkom v s. r. o., v banke vypočítajú ako percento z tržieb, ktoré sa vydelí číslom 12. Pri žiadosti o hypotéku pre živnostníka sa príjem dokladuje daňovým priznaním.

Či už pracujete na TPP, alebo podnikáte, bez peňazí na účte sa žiadať o hypotéku ani nepokúšajte. Odporúčame vám našetriť si aspoň 20 % z hodnoty domu. Banky dnes už neposkytujú 100% hypotéky. Tieto prostriedky možno nahradiť ešte založením inej nehnuteľnosti.

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Stavba domu nie je jednoduchý proces. Na tejto ceste narazíte na množstvo prekážok. Nikdy sa neunáhlite pri výbere banky, ani pri výbere stavebnej firmy. Všetko si dôkladne zaznamenávajte do stavebného denníka. Každá zanedbaná drobnosť vám môže celý proces predĺžiť aj o niekoľko rokov.

Zdroj obrázkov: freepik.com

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