{"id":448421,"date":"2022-02-05T11:35:10","date_gmt":"2022-02-05T08:35:10","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=448421"},"modified":"2025-08-14T21:30:53","modified_gmt":"2025-08-14T18:30:53","slug":"mortgage-for-building-a-house-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-spain\/mortgage-for-building-a-house-in-spain","title":{"rendered":"Hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku"},"content":{"rendered":"<p><\/p>\n<ol>\n<li><a href=\"#r1\">Co je hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku?<\/a><\/li>\n<li> <a href=\"#r2\">Zahrnuje hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku koupi pozemku?<\/a><\/li>\n<li> <a href=\"#r3\">Jak funguje hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku?<\/a><\/li>\n<li> <a href=\"#r4\">Etapy stavby domu ve \u0160pan\u011blsku pomoc\u00ed hypote\u010dn\u00edch fond\u016f.<\/a><\/li>\n<li> <a href=\"#r5\">Jak\u00e9 jsou po\u017eadavky na \u017eadatele o hypot\u00e9ku na stavbu domu ve \u0160pan\u011blsku?<\/a><\/li>\n<li> <a href=\"#r6\">Jsou ve \u0160pan\u011blsku dostupn\u00e9 hypot\u00e9ky na instalaci prefabrikovan\u00fdch nebo modulov\u00fdch dom\u016f na va\u0161em pozemku?<\/a><\/li>\n<li> <a href=\"#r7\">Hypote\u010dn\u00ed programy bank pro bytovou v\u00fdstavbu ve \u0160pan\u011blsku.<\/a><\/li>\n<\/ol>\n<p> U\u017e dlouho sn\u00edte o <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/building-a-house-in-spain\">stavb\u011b vlastn\u00edho domu ve \u0160pan\u011blsku<\/a> a chyst\u00e1te se \u017e\u00e1dat o hypot\u00e9ku? V tom p\u0159\u00edpad\u011b pot\u0159ebujete hypot\u00e9ku na stavbu domu \u2013 ve \u0160pan\u011blsku se tomu \u0159\u00edk\u00e1 la hipoteca autopromotor. O tomto typu \u00fav\u011bru mus\u00edte v\u011bd\u011bt, \u017ee nen\u00ed ur\u010den na financov\u00e1n\u00ed koup\u011b hotov\u00e9ho bydlen\u00ed, ale na<\/p>\n<ul>\n<li> postavit d\u016fm od nuly. Jeho hlavn\u00ed charakteristiky jsou n\u00e1sleduj\u00edc\u00ed:<\/li>\n<li> Hypote\u010dn\u00ed prost\u0159edky nejsou ur\u010deny k pou\u017eit\u00ed na n\u00e1kup pozemku,<\/li>\n<li> v pr\u016fm\u011bru je pokryto a\u017e 80 % hodnoty nemovitosti,<\/li>\n<li> doba spl\u00e1cen\u00ed je stanovena na 10 a\u017e 30 let,<\/li>\n<li> Vy\u017eaduje se licence a stavebn\u00ed projekt.<\/li>\n<\/ul>\n<p> Pod\u00edvejme se bl\u00ed\u017ee na mo\u017enost hypot\u00e9ky na stavbu domu ve \u0160pan\u011blsku.<\/p>\n<h2 id=\"r1\"> Co je hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-448423 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-1.png\" alt=\"\" width=\"780\" height=\"348\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-1.png 780w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-1-300x134.png 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-1-768x343.png 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/> Hypot\u00e9ka nebo \u00fav\u011br na v\u00fdstavbu domu ve \u0160pan\u011blsku je typ hypot\u00e9ky ur\u010den\u00fd speci\u00e1ln\u011b pro ty, kte\u0159\u00ed si cht\u011bj\u00ed postavit vlastn\u00ed d\u016fm. To znamen\u00e1, \u017ee se jedn\u00e1 o \u00fav\u011br, kter\u00fd nen\u00ed ur\u010den na financov\u00e1n\u00ed n\u00e1kupu hotov\u00e9ho bydlen\u00ed, ale na v\u00fdstavbu od nuly. T\u00edmto zp\u016fsobem jsou financov\u00e1ny p\u0159\u00edslu\u0161n\u00e9 pr\u00e1ce. Hypot\u00e9ky na stavbu domu ve \u0160pan\u011blsku maj\u00ed ur\u010dit\u00e9 odli\u0161nosti od b\u011b\u017en\u00fdch hypot\u00e9k, kter\u00e9 je t\u0159eba vz\u00edt v \u00favahu p\u0159i porovn\u00e1v\u00e1n\u00ed hypot\u00e9k od r\u016fzn\u00fdch bank, abyste na\u0161li tu, kter\u00e1 nejl\u00e9pe vyhovuje va\u0161im o\u010dek\u00e1v\u00e1n\u00edm.<\/p>\n<h2 id=\"r2\"> Zahrnuje hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku koupi pozemku?<\/h2>\n<p> Zpravidla ne. Hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku je ur\u010dena pouze na financov\u00e1n\u00ed stavebn\u00edch prac\u00ed, nikoli na n\u00e1kup pozemku, na kter\u00e9m bude pl\u00e1novan\u00fd d\u016fm postaven. Z tohoto d\u016fvodu je jedn\u00edm z p\u0159edpoklad\u016f pro p\u0159\u00edstup k tomuto typu hypot\u00e9ky dostupnost pozemku, na kter\u00e9m si dlu\u017en\u00edk hodl\u00e1 postavit nov\u00e9 bydlen\u00ed.<\/p>\n<h2 id=\"r3\"> Jak funguje hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku?<\/h2>\n<p> Podm\u00ednky z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na stavbu domu ve \u0160pan\u011blsku se mohou li\u0161it v z\u00e1vislosti na bance, kterou si vyberete. Obecn\u011b plat\u00ed, \u017ee stejn\u011b jako klasick\u00e9 hypot\u00e9ky, tyto typy \u00fav\u011br\u016f obvykle nepokr\u00fdvaj\u00ed v\u00edce ne\u017e 80 % hodnoty nemovitosti a maj\u00ed splatnost 10 a\u017e 30 let (maxim\u00e1ln\u011b). Vzhledem k charakteristick\u00fdm rys\u016fm tohoto typu \u00fav\u011bru v\u0161ak p\u016fj\u010den\u00e1 \u010d\u00e1stka obvykle nen\u00ed bankou vyd\u00e1na okam\u017eit\u011b a v pln\u00e9 v\u00fd\u0161i. M\u00edsto toho jsou pen\u00edze obvykle uvol\u0148ov\u00e1ny dlu\u017en\u00edkovi v tran\u0161\u00edch, jak stavebn\u00ed projekt postupuje jednotliv\u00fdmi f\u00e1zemi.<\/p>\n<h2 id=\"r4\"> Etapy stavby domu ve \u0160pan\u011blsku pomoc\u00ed hypote\u010dn\u00edch fond\u016f <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-448425 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2.png\" alt=\"\" width=\"780\" height=\"348\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2.png 780w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2-300x134.png 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2-768x343.png 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/> Lze rozli\u0161it t\u0159i hlavn\u00ed f\u00e1ze:<\/p>\n<ol>\n<li> V prvn\u00ed f\u00e1zi banka p\u0159evede v\u00fdznamnou \u010d\u00e1st celkov\u00e9 v\u00fd\u0161e \u00fav\u011bru, p\u0159ibli\u017en\u011b 50 %. Tyto pen\u00edze se obvykle pou\u017e\u00edvaj\u00ed k financov\u00e1n\u00ed p\u0159\u00edjmu architektonick\u00e9ho projektu a za\u010d\u00ednaj\u00ed z\u00e1kladn\u00ed pr\u00e1ce na stavb\u011b domu na m\u00edst\u011b.<\/li>\n<li> Ve druh\u00e9 f\u00e1zi je na financov\u00e1n\u00ed a realizaci projektu pou\u017eito 20 a\u017e 30 % z objemu \u00fav\u011bru poskytnut\u00e9ho bankou. V t\u00e9to f\u00e1zi mus\u00ed architekt nebo osoba odpov\u011bdn\u00e1 za projekt p\u0159edlo\u017eit dokumenty potvrzuj\u00edc\u00ed dokon\u010den\u00ed d\u00edla, kter\u00e9 banka po\u017eaduje jako d\u016fkaz a z\u00e1ruku, \u017ee projekt je \u00fasp\u011b\u0161n\u011b realizov\u00e1n za p\u0159edem dohodnut\u00fdch podm\u00ednek.<\/li>\n<li> Z\u00e1v\u011bre\u010dn\u00e1 \u010d\u00e1st projektu, kter\u00e1 p\u0159ich\u00e1z\u00ed po dokon\u010den\u00ed domu, zahrnuje z\u00edsk\u00e1n\u00ed certifik\u00e1tu obyvatelnosti domu \u2013 la c\u00e9dula de habitabilidad. V t\u00e9to f\u00e1zi banka obvykle p\u0159evede zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st \u00fav\u011brov\u00e9 tran\u0161e na dlu\u017en\u00edka (p\u0159ibli\u017en\u011b 10 nebo 20 % v z\u00e1vislosti na tom, kolik bylo d\u0159\u00edve pou\u017eito v p\u0159edchoz\u00edch f\u00e1z\u00edch).<\/li>\n<\/ol>\n<p> P\u0159esto\u017ee jsou v\u0161echny v\u00fd\u0161e uveden\u00e9 kroky obecn\u011b spole\u010dn\u00e9 pro v\u011bt\u0161inu hypot\u00e9k vydan\u00fdch na stavbu domu ve \u0160pan\u011blsku, ka\u017ed\u00fd bankovn\u00ed produkt a jeho podm\u00ednky mohou m\u00edt sv\u00e9 odli\u0161nosti. Z tohoto d\u016fvodu byste se m\u011bli p\u0159ed podpisem jak\u00e9koli hypote\u010dn\u00ed smlouvy ujistit, \u017ee jej\u00ed podm\u00ednky jsou pln\u011b p\u0159izp\u016fsobeny va\u0161im pot\u0159eb\u00e1m, a tak\u00e9 se p\u0159edem dohodnout na zp\u016fsobu p\u0159ij\u00edm\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f a procentu\u00e1ln\u00edm pom\u011bru v\u00fd\u0161e tran\u0161\u00ed \u00fav\u011bru ve f\u00e1z\u00edch v\u00fdstavby va\u0161eho nov\u00e9ho bydlen\u00ed. Jak\u00e9 jsou po\u017eadavky na \u017eadatele o hypot\u00e9ku na stavbu domu ve \u0160pan\u011blsku? Stejn\u011b jako u <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">b\u011b\u017en\u00e9 hypot\u00e9ky<\/a> se banka p\u0159i \u017e\u00e1dosti o \u00fav\u011br na bydlen\u00ed na v\u00fdstavbu bude cht\u00edt nejprve ujistit o finan\u010dn\u00ed solventnosti a solventnosti sv\u00e9ho klienta, kter\u00e1 mus\u00ed b\u00fdt stabiln\u00ed (stabiln\u00ed ekonomick\u00e1 situace, osobn\u00ed \u00faspory, kter\u00fdmi lze financovat 20 % n\u00e1klad\u016f projektu, absence dal\u0161\u00edch dluh\u016f a z\u00e1vazk\u016f atd.). Krom\u011b t\u011bchto obecn\u00fdch n\u00e1le\u017eitost\u00ed v\u0161ak budou banku p\u0159i \u017e\u00e1dosti o hypot\u00e9ku na stavbu domu zaj\u00edmat i tyto aspekty:<\/p>\n<ul>\n<li> Vlastnictv\u00ed pozemku: pozemek, na kter\u00e9m m\u00e1 b\u00fdt d\u016fm postaven, mus\u00ed b\u00fdt zaps\u00e1n v katastru nemovitost\u00ed \u2013 el Registro de la Propiedad na jm\u00e9no dlu\u017en\u00edka.<\/li>\n<li> Ozna\u010den\u00ed pozemku: krom\u011b toho, \u017ee stavebn\u00ed pozemek mus\u00ed b\u00fdt ve vlastnictv\u00ed dlu\u017en\u00edka, mus\u00ed b\u00fdt klasifikov\u00e1n jako stavebn\u00ed pozemek \u2013 suelo urbanizovateln\u00fd.<\/li>\n<li> Doba platnosti stavebn\u00edho povolen\u00ed: Toto povolen\u00ed nen\u00ed trval\u00e9, proto je d\u016fle\u017eit\u00e9 zajistit jeho platnost ve v\u0161ech f\u00e1z\u00edch v\u00fdstavby.<\/li>\n<li> Dostupnost odhadu stavby: ten mus\u00ed vypracovat licencovan\u00e1 stavebn\u00ed firma a je velmi \u017e\u00e1douc\u00ed, aby za proveden\u00ed pr\u00e1ce odpov\u00eddala stejn\u00e1 firma.<\/li>\n<li> Dostupnost projektu stavby: krom\u011b odhadu, kter\u00fd posoud\u00ed cenu d\u00edla, je nutn\u00e9 dolo\u017eit bance projekt stavby. Tento projekt mus\u00ed b\u00fdt nav\u00edc schv\u00e1len College of Architects \u2013 el Colegio de Arquitectos.<\/li>\n<li> P\u0159edlo\u017een\u00ed energetick\u00e9ho pr\u016fkazu: energetick\u00fd pr\u016fkaz \u2013 el certificado energ\u00e9tico \u2013 je nutn\u00e9 z\u00edskat ji\u017e ve f\u00e1zi n\u00e1vrhu projektu, kter\u00fd slou\u017e\u00ed jako posouzen\u00ed \u00farovn\u011b energetick\u00e9 \u00fa\u010dinnosti domu p\u0159ed zah\u00e1jen\u00edm v\u00fdstavby.<\/li>\n<\/ul>\n<h2 id=\"r6\"> Jsou k dispozici hypote\u010dn\u00ed \u00fav\u011bry na instalaci montovan\u00fdch nebo modulov\u00fdch dom\u016f na va\u0161em pozemku? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-448424 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2.jpg\" alt=\"\" width=\"1024\" height=\"647\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2-300x190.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/02\/mortgage-for-building-a-house-in-spain-2-768x485.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Hypot\u00e9ka na v\u00fdstavbu domu je vhodn\u00e1 pro financov\u00e1n\u00ed jak v\u00fdstavby zd\u011bn\u00e9ho bydlen\u00ed, tak v\u00fdstavby montovan\u00fdch \u010di modulov\u00fdch dom\u016f. Ve druh\u00e9m p\u0159\u00edpad\u011b je v\u0161ak d\u016fle\u017eit\u00e9, aby kryt byl p\u0159ipevn\u011bn k m\u00edstu, to znamen\u00e1, \u017ee nebyl mobiln\u00ed. Pomoc\u00ed tohoto typu \u00fav\u011bru nelze nap\u0159\u00edklad financovat mobiln\u00ed d\u016fm.<\/p>\n<h2 id=\"r7\"> Hypote\u010dn\u00ed programy bank pro bytovou v\u00fdstavbu ve \u0160pan\u011blsku<\/h2>\n<p> \u0160pan\u011blsk\u00e9 banky nab\u00edzej\u00ed hypote\u010dn\u00ed \u00fav\u011bry na v\u00fdstavbu vlastn\u00edho domu s fixn\u00ed, variabiln\u00ed nebo sm\u00ed\u0161enou sazbou. N\u00ed\u017ee V\u00e1m p\u0159edstav\u00edme podm\u00ednky n\u011bkter\u00fdch bank platn\u00e9 v roce 2022:<\/p>\n<h3> Banco Santander \u2013 Hipoteca Autopromotor Banco Santander<\/h3>\n<p> Banco Santander je jednou z nejspecializovan\u011bj\u0161\u00edch finan\u010dn\u00edch instituc\u00ed na poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f na v\u00fdstavbu vlastn\u00edho bydlen\u00ed, ale i hypote\u010dn\u00edch \u00fav\u011br\u016f na rekonstrukci, koupi nebytov\u00fdch prostor nebo hypot\u00e9ky pro nerezidenty. Zat\u00edmco hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku je nej\u010dast\u011bji \u00fav\u011brem pro fyzick\u00e9 osoby, Santander takov\u00e9 \u00fav\u011bry nab\u00edz\u00ed i firm\u00e1m. To pak p\u0159in\u00e1\u0161\u00ed \u0159adu v\u00fdhod jak promot\u00e9rsk\u00e9 spole\u010dnosti, tak jej\u00edm budouc\u00edm kupuj\u00edc\u00edm, jako je mo\u017enost vyu\u017e\u00edvat vlastn\u00ed platformu Santander pro dom\u00e1c\u00ed prodej nebo \u00faspora n\u00e1klad\u016f na provize p\u0159i otev\u0159en\u00ed p\u016fj\u010dky. Charakteristika hypote\u010dn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li> \u00darokov\u00e1 sazba: Santander tyto informace na sv\u00fdch webov\u00fdch str\u00e1nk\u00e1ch nezve\u0159ej\u0148uje.<\/li>\n<li> Podm\u00ednky financov\u00e1n\u00ed: a\u017e 100 % rozpo\u010dtu d\u00edla, bez p\u0159ekro\u010den\u00ed n\u00e1klad\u016f stavby. V\u017edy existuje omezen\u00ed: financov\u00e1n\u00ed je maxim\u00e1ln\u011b 70 % odhadn\u00ed hodnoty domu po dokon\u010den\u00ed stavby.<\/li>\n<li> Doba odkladu: maxim\u00e1ln\u011b 2 roky. \u010cerp\u00e1n\u00ed je \u010dasov\u00fd \u00fasek, b\u011bhem kter\u00e9ho se plat\u00ed pouze \u00farok, ani\u017e by se spl\u00e1cela jistina \u00fav\u011bru.<\/li>\n<\/ul>\n<h3> Bankinter \u2013 Credichalet Bankinter<\/h3>\n<p> Banquerinter nab\u00edz\u00ed hypote\u010dn\u00ed \u00fav\u011br s n\u00e1zvem Credichalet zam\u011b\u0159en\u00fd na stavbu vlastn\u00edho domu ve \u0160pan\u011blsku, kde m\u016f\u017ee b\u00fdt \u00farokov\u00e1 sazba pevn\u00e1 nebo variabiln\u00ed. S touto hypot\u00e9kou obdr\u017e\u00ed dlu\u017en\u00edk \u010d\u00e1stku \u00fav\u011bru ve spl\u00e1tk\u00e1ch: 50 % v prvn\u00ed f\u00e1zi, obvykle naz\u00fdvan\u00e9 \u201etramo suelo\u201c nebo \u201epozemkov\u00e1 tran\u0161e\u201c, 30\u201340 % po dokon\u010den\u00ed d\u00edla a 10\u201320 % po dokon\u010den\u00ed stavby a podeps\u00e1n\u00ed potvrzen\u00ed o p\u0159evzet\u00ed. Charakteristika hypote\u010dn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li> Fixn\u00ed nebo variabiln\u00ed \u00farokov\u00e1 sazba: pro pevnou sazbu DI\u010c &#8211; od 1,99 %, pro variabiln\u00ed sazbu &#8211; 1,99 % v prvn\u00edm roce s nav\u00fd\u0161en\u00edm o 0,99 % od druh\u00e9ho roku. Uveden\u00e9 sazby jsou platn\u00e9 p\u0159i dokoupen\u00ed dal\u0161\u00edch bankovn\u00edch produkt\u016f (poji\u0161t\u011bn\u00ed atd.)<\/li>\n<li> Podm\u00ednky financov\u00e1n\u00ed: a\u017e 80 % odhadn\u00ed hodnoty u prim\u00e1rn\u00edho bydlen\u00ed a 60 % v p\u0159\u00edpad\u011b druh\u00e9ho bydlen\u00ed.<\/li>\n<li> Certifikace: p\u0159ibli\u017en\u011b 300 EUR za ka\u017ed\u00fd certifik\u00e1t certifikace b\u011bhem stavebn\u00edch f\u00e1z\u00ed.<\/li>\n<li> Minim\u00e1ln\u00ed p\u0159\u00edjem dlu\u017en\u00edka: 2 000 EUR m\u011bs\u00ed\u010dn\u011b.<\/li>\n<li> Maxim\u00e1ln\u00ed doba p\u016fj\u010dky: 30 let.<\/li>\n<li> Mo\u017enost z\u00edsk\u00e1n\u00ed slevy z \u00farokov\u00e9 sazby p\u0159i spln\u011bn\u00ed \u0159ady podm\u00ednek.<\/li>\n<li> Poplatek za otev\u0159en\u00ed: 500 \u20ac.<\/li>\n<\/ul>\n<h3> Abanca \u2013 Abanca Automotive Hipoteca<\/h3>\n<p> Abanca je dal\u0161\u00ed finan\u010dn\u00ed instituce, kter\u00e1 nab\u00edz\u00ed hypote\u010dn\u00ed \u00fav\u011bry na v\u00fdstavbu vlastn\u00edho domu ve \u0160pan\u011blsku. Program Hipoteca Mari Carmen Variable s variabiln\u00ed sazbou tak lze vyu\u017e\u00edt jak p\u0159i koupi hotov\u00e9ho domu, tak p\u0159i stavb\u011b nov\u00e9ho. Charakteristika hypote\u010dn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed doba trv\u00e1n\u00ed: 30 let.<\/li>\n<li> Variabiln\u00ed ro\u010dn\u00ed sazba TAE (v\u010detn\u011b slevy): 2,08 %. P\u0159i maxim\u00e1ln\u00edm vyu\u017eit\u00ed dostupn\u00fdch bonus\u016f m\u016f\u017ee sazba dos\u00e1hnout a\u017e 1,74 %.<\/li>\n<li> \u00darokov\u00e1 sazba b\u011bhem prvn\u00edho roku je 1,15 % a v dal\u0161\u00edch letech bude nav\u00fd\u0161ena o 0,85 % s ohledem na uplatn\u011bn\u00ed bonusu, p\u0159\u00edpadn\u011b se zv\u00fd\u0161\u00ed o 1 % v p\u0159\u00edpad\u011b, \u017ee nebude uzav\u0159ena smlouva o dopl\u0148kov\u00e9m bankovn\u00edm produktu.<\/li>\n<li> Mezi souvisej\u00edc\u00ed produkty, kter\u00e9 mohou m\u00edt n\u00e1rok na slevu z \u00farokov\u00e9 sazby, pat\u0159\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti nebo vklady na mzdu.<\/li>\n<li> Maxim\u00e1ln\u00ed financov\u00e1n\u00ed: 80 % v p\u0159\u00edpad\u011b prim\u00e1rn\u00edho bydlen\u00ed a 60 % v p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o druh\u00fd domov. Financov\u00e1n\u00ed m\u016f\u017ee dos\u00e1hnout a\u017e 90 %, pokud rodinn\u00fd p\u0159\u00edjem p\u0159es\u00e1hne 3000 eur.<\/li>\n<\/ul>\n<h3> Liberbank \u2013 Hipoteca Autopromotor de Unicaja<\/h3>\n<p> Liberbank je jednou z finan\u010dn\u00edch instituc\u00ed, kter\u00e9 stoj\u00ed za to doporu\u010dit pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na stavbu domu ve \u0160pan\u011blsku. Liberbank nab\u00edz\u00ed individu\u00e1ln\u00ed hypot\u00e9ku pro ka\u017ed\u00e9ho klienta, jin\u00fdmi slovy \u201ep\u0159izp\u016fsobitelnou\u201c hypot\u00e9ku. Charakteristika hypote\u010dn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed doba trv\u00e1n\u00ed: 30 let.<\/li>\n<li> Personalizovan\u00e9 sazby TIN\/TAE: od 1 % v\u010detn\u011b bonus\u016f.<\/li>\n<li> Souvisej\u00edc\u00ed produkty, kter\u00e9 mohou poskytovat slevy: \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti, poji\u0161t\u011bn\u00ed firemn\u00edch kreditn\u00edch karet atd.<\/li>\n<li> Maxim\u00e1ln\u00ed financov\u00e1n\u00ed: 80 % p\u0159edpokl\u00e1dan\u00fdch n\u00e1klad\u016f projektu.<\/li>\n<\/ul>\n<h3> Targobank \u2013 Targobank Automotive Store<\/h3>\n<p> Dal\u0161\u00ed nab\u00eddkou \u00fav\u011br\u016f na v\u00fdstavbu dom\u016f jsou hypote\u010dn\u00ed programy Targobank. Podm\u00ednky financov\u00e1n\u00ed t\u00e9to stavby budou stejn\u00e9 jako u b\u011b\u017en\u00e9 hypot\u00e9ky, jej\u00edm\u017e \u00fa\u010delem je po\u0159\u00edzen\u00ed prvn\u00edho nebo druh\u00e9ho bydlen\u00ed: Charakteristika hypote\u010dn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li> Maxim\u00e1ln\u00ed doba trv\u00e1n\u00ed: 30 let<\/li>\n<li> Sazba DI\u010c: od 1,24 % s uplatn\u011bn\u00fdmi bonusy; od 2,24 % bez vyu\u017eit\u00ed bonus\u016f.<\/li>\n<li> Sazba TAE: od 1,58 % s uplatn\u011bn\u00fdmi bonusy; od 2,60 % bez vyu\u017eit\u00ed bonus\u016f.<\/li>\n<\/ul>\n<p> <em><strong>Pozn\u00e1mka<\/strong><\/em> : Sazba TIN je tr\u017en\u00ed a nomin\u00e1ln\u00ed. P\u0159i v\u00fdb\u011bru p\u016fj\u010dky stoj\u00ed za zv\u00e1\u017een\u00ed tak\u00e9 TAE \u2013 efektivn\u00ed sazba. P\u0159ed podpisem z\u00e1stavn\u00ed smlouvy je nav\u00edc nutn\u00e9 si p\u0159edem ujasnit, jak\u00fdm zp\u016fsobem budou hrazeny dal\u0161\u00ed v\u00fddaje za \u00fav\u011br.<\/p>\n<ul>\n<li> Mezi souvisej\u00edc\u00ed produkty, kter\u00e9 mohou poskytovat slevy a bonusy, pat\u0159\u00ed: \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti a vklady mezd na bankovn\u00ed \u00fa\u010det.<\/li>\n<li> Maxim\u00e1ln\u00ed financov\u00e1n\u00ed: 90 % p\u0159edpokl\u00e1dan\u00fdch n\u00e1klad\u016f projektu.<\/li>\n<\/ul>\n<p> Na z\u00e1v\u011br stoj\u00ed za zm\u00ednku, \u017ee stavba domu s hypot\u00e9kou ve \u0160pan\u011blsku je zodpov\u011bdn\u00fd krok, a proto je nesm\u00edrn\u011b d\u016fle\u017eit\u00e9 pe\u010dliv\u011b prostudovat podm\u00ednky nab\u00edzen\u00e9 ka\u017edou bankou, abyste zohlednili v\u0161echny n\u00e1klady a provize, kter\u00fdm budete muset \u010delit, a vybrali si pro sebe tu nejp\u0159ijateln\u011bj\u0161\u00ed variantu. Chcete-li vy\u0159e\u0161it jak\u00e9koli pochybnosti a u\u010dinit kone\u010dn\u00e9 rozhodnut\u00ed, kontaktujte na\u0161e specialisty a po\u017e\u00e1dejte o radu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Co je hypot\u00e9ka na stavbu domu ve \u0160pan\u011blsku? Zahrnuje\u2026<\/p>\n","protected":false},"author":18,"featured_media":448426,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[957],"tags":[],"class_list":["post-448421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u043d\u0430 \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e \u0434\u043e\u043c\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043a\u0430\u043a \u044d\u0442\u043e \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442, \u0438 \u0447\u0442\u043e \u043d\u0443\u0436\u043d\u043e \u043e\u0431 \u044d\u0442\u043e\u043c \u0437\u043d\u0430\u0442<\/title>\n<meta name=\"description\" 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