[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hravio.sk\/ako-funguje-postupny-odkup-bytu\/#Article","mainEntityOfPage":"https:\/\/www.hravio.sk\/ako-funguje-postupny-odkup-bytu\/","headline":"Ako funguje postupn\u00fd odkup bytu?","name":"Ako funguje postupn\u00fd odkup bytu?","description":"Postupn\u00fd odkup bytu spojen\u00fd s platen\u00edm n\u00e1jmu, zn\u00e1my aj ako “rent-to-own” alebo “n\u00e1jom s mo\u017enos\u0165ou odkupu”, je alternat\u00edvnym sp\u00f4sobom, ako si zabezpe\u010di\u0165 b\u00fdvanie. Ve\u013emi m\u00e1lo o tom po\u010dujeme a niektor\u00fd predajcovia sa a\u017e br\u00e1nia tomuto sp\u00f4sobu k\u00fapy. Na jednu stranu ich ch\u00e1pem, \u017ee ak maj\u00fa deti a potom v bud\u00facnosti bud\u00fa\u00a0zabezpe\u010den\u00e9 ale \u010do sa t\u00fdka […]","datePublished":"2023-12-12","dateModified":"2023-12-12","author":{"@type":"Person","@id":"https:\/\/www.hravio.sk\/author\/#Person","name":"","url":"https:\/\/www.hravio.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hravio.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hravio.sk\/wp-content\/uploads\/ad8de5425148aa32777950338f4d11f6_XL_2.jpg","url":"https:\/\/www.hravio.sk\/wp-content\/uploads\/ad8de5425148aa32777950338f4d11f6_XL_2.jpg","height":0,"width":0},"url":"https:\/\/www.hravio.sk\/ako-funguje-postupny-odkup-bytu\/","about":["Byt"],"wordCount":420,"articleBody":"Postupn\u00fd odkup bytu spojen\u00fd s platen\u00edm n\u00e1jmu, zn\u00e1my aj ako “rent-to-own” alebo “n\u00e1jom s mo\u017enos\u0165ou odkupu”, je alternat\u00edvnym sp\u00f4sobom, ako si zabezpe\u010di\u0165 b\u00fdvanie. Ve\u013emi m\u00e1lo o tom po\u010dujeme a niektor\u00fd predajcovia sa a\u017e br\u00e1nia tomuto sp\u00f4sobu k\u00fapy. Na jednu stranu ich ch\u00e1pem, \u017ee ak maj\u00fa deti a potom v bud\u00facnosti bud\u00fa\u00a0zabezpe\u010den\u00e9 ale \u010do sa t\u00fdka finan\u010dnej str\u00e1nky. Nie je lep\u0161ie pre pred\u00e1vaj\u00faceho ma\u0165 pravideln\u00fd prijem za n\u00e1jom a plus si odklada\u0165 peniaze za k\u00fapu?\u00a0\u00a0\u010co je postupn\u00fd odkup bytu?\u00a0Postupn\u00fd odkup bytu znamen\u00e1, \u017ee n\u00e1jomca plat\u00ed prenaj\u00edmate\u013eovi n\u00e1jom, pri\u010dom \u010das\u0165 tejto platby sa zapo\u010d\u00edtava ako spl\u00e1tka na bud\u00facu k\u00fapu nehnute\u013enosti. Po ur\u010ditom obdob\u00ed (napr\u00edklad 5 a\u017e 10 rokov) m\u00e1 n\u00e1jomca mo\u017enos\u0165 byt odk\u00fapi\u0165 za zvy\u0161n\u00fa hodnotu, ktor\u00e1 e\u0161te nebola uhraden\u00e1.\u00a0Ako funguje dohoda o postupnom odk\u00fapen\u00ed bytu?\u00a0Prv\u00fdm krokom je uzavretie n\u00e1jomnej zmluvy, ktor\u00e1 \u0161pecifikuje, \u017ee n\u00e1jomca m\u00e1 mo\u017enos\u0165 nesk\u00f4r odk\u00fapi\u0165 byt. V zmluve s\u00fa jasne uveden\u00e9 podmienky t\u00fdkaj\u00face sa doby n\u00e1jmu, v\u00fd\u0161ka n\u00e1jomn\u00e9ho a k\u00fapnej ceny.\u00a0N\u00e1jomca v pravideln\u00fdch intervaloch (mesa\u010dne) plat\u00ed n\u00e1jomn\u00e9, pri\u010dom \u010das\u0165 tejto sumy sa odr\u00e1ta z celkovej hodnoty bytu. Na konci dohodnut\u00e9ho obdobia m\u00e1 n\u00e1jomca mo\u017enos\u0165 odk\u00fapi\u0165 byt. V tomto bode si m\u00f4\u017ee vzia\u0165 hypot\u00e9ku alebo zaplati\u0165 zvy\u0161n\u00fa sumu z vlastn\u00fdch \u00faspor. Ak n\u00e1jomca nechce byt odk\u00fapi\u0165, m\u00f4\u017ee sa rozhodn\u00fa\u0165 nevyu\u017ei\u0165 t\u00fato mo\u017enos\u0165, ale v\u00e4\u010d\u0161inou str\u00e1ca n\u00e1rok na zaplaten\u00e9 n\u00e1jomn\u00e9, ktor\u00e9 by sa zapo\u010d\u00edtalo do k\u00fapnej ceny. \u00a0Je postupn\u00fd odkup bytu leg\u00e1lny a be\u017en\u00fd?\u00a0Tento model k\u00fapy bytu nie je na Slovensku ve\u013emi be\u017en\u00fd, no jeho realiz\u00e1cia je mo\u017en\u00e1. V niektor\u00fdch pr\u00edpadoch developeri alebo majitelia nehnute\u013enost\u00ed pon\u00fakaj\u00fa tak\u00e9to rie\u0161enie najm\u00e4 v pr\u00edpadoch, ke\u010f z\u00e1ujemcovia nemaj\u00fa okam\u017eite dostatok finan\u010dn\u00fdch prostriedkov na pln\u00fa k\u00fapnu cenu alebo nemaj\u00fa n\u00e1rok na hypot\u00e9ku.\u00a0Je v\u0161ak nevyhnutn\u00e9, aby boli v\u0161etky podmienky jasne a podrobne sp\u00edsan\u00e9 v zmluve, ktor\u00fa by mal pripravi\u0165 pr\u00e1vnik. Taktie\u017e je dobr\u00e9 konzultova\u0165 tento proces s realitn\u00fdm agentom, ktor\u00fd v\u00e1m porad\u00ed, ako sa vyhn\u00fa\u0165 potenci\u00e1lnym rizik\u00e1m.\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako funguje postupn\u00fd odkup bytu?","item":"https:\/\/www.hravio.sk\/ako-funguje-postupny-odkup-bytu\/#breadcrumbitem"}]}]