{"id":27493,"date":"2026-01-16T11:44:55","date_gmt":"2026-01-16T10:44:55","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/postupny-proces-kupy-nehnutelnosti-na-juznom-cypre\/"},"modified":"2026-01-16T11:45:43","modified_gmt":"2026-01-16T10:45:43","slug":"postupny-proces-kupy-nehnutelnosti-na-juznom-cypre","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/sk\/postupny-proces-kupy-nehnutelnosti-na-juznom-cypre\/","title":{"rendered":"Postupn\u00fd proces k\u00fapy nehnute\u013enosti na ju\u017enom Cypre"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">0\ufe0f\u20e3 <strong>Stru\u010dn\u00fd preh\u013ead (TL;DR)<\/strong><br\/>Rezerv\u00e1cia (2-4 dni) \u2192 blokuje cenu a jednotku.<\/p>\n\n<p class=\"wp-block-paragraph\">Due Diligence od pr\u00e1vnika (1-3 t\u00fd\u017edne) \u2192 overenie vlastn\u00edckych pr\u00e1v a povolen\u00ed.<\/p>\n\n<p class=\"wp-block-paragraph\">K\u00fapno-predajn\u00e1 zmluva (SPA) a registr\u00e1cia v katastri nehnute\u013enost\u00ed (do 60 dn\u00ed od podpisu).<\/p>\n\n<p class=\"wp-block-paragraph\">Platby pod\u013ea pl\u00e1nu \/ hypot\u00e9ka \u2192 + pr\u00edpadn\u00e1 \u017eiados\u0165 o 5 % DPH (hlavn\u00e9 bydlisko).<\/p>\n\n<p class=\"wp-block-paragraph\">Odovzdanie, in\u017einierske siete, spr\u00e1va \u2192 nasleduje prevod vlastn\u00edckeho pr\u00e1va (1-6 mesiacov; pri novostavb\u00e1ch v z\u00e1vislosti od pripravenosti vlastn\u00edckeho pr\u00e1va).<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 <strong>Pr\u00edprava a v\u00fdber<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Ur\u010dite \u00fa\u010del: hlavn\u00e9 bydlisko (mo\u017en\u00e1 5 % DPH) vs. invest\u00edcia\/pren\u00e1jom (19 % DPH alebo \u010fal\u0161\u00ed predaj bez DPH)<\/li>\n\n\n\n<li>Kontrola rozpo\u010dtu a financovania: vlastn\u00e9 zdroje \/ hypot\u00e9ka \/ financovanie developerom<\/li>\n\n\n\n<li>Predbe\u017en\u00fd v\u00fdber miest: Limassol (pr\u00e9miov\u00fd, drah\u00fd), Larnaka\/Paphos (vy\u0161\u0161\u00ed v\u00fdnos), Nik\u00f3zia (stabiln\u00fd vn\u00fatrozemsk\u00fd trh)<\/li>\n\n\n\n<li>Tip: nadvia\u017ete r\u00e1mcov\u00fa spolupr\u00e1cu s nez\u00e1visl\u00fdm pr\u00e1vnikom (nie s pr\u00e1vnikom developera)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">2\ufe0f\u20e3 <strong>Rezerv\u00e1cia (Rezerv\u00e1cia \/ Rezerv\u00e1cia)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Podp\u00edsa\u0165 rezerva\u010dn\u00fd formul\u00e1r + zaplati\u0165 rezerva\u010dn\u00fa z\u00e1lohu (zvy\u010dajne 2 000-5 000 EUR)<\/li>\n\n\n\n<li>Developer do\u010dasne stiahne nehnute\u013enos\u0165 z predaja a stanov\u00ed cenu<\/li>\n\n\n\n<li>Podmienky rezerv\u00e1cie: vratn\u00e9\/nevratn\u00e9, term\u00edn podpisu SPA, presn\u00fd opis jednotky a cenn\u00edk<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">3\ufe0f\u20e3 <strong>Pr\u00e1vna kontrola (Due Diligence)<\/strong><br\/>Pr\u00e1vnik overuje:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>List vlastn\u00edctva &#8211;<\/strong> z\u00e1lo\u017en\u00e9 pr\u00e1va, vecn\u00e9 bremen\u00e1, konkuren\u010dn\u00e9 poh\u013ead\u00e1vky<\/li>\n\n\n\n<li>Stavebn\u00e9 povolenia, limity pl\u00e1novania, rozdelenie parciel<\/li>\n\n\n\n<li>Pre novostavby: samostatn\u00e9 n\u00e1zvy (predpokladan\u00fd d\u00e1tum), registr\u00e1cia projektu, z\u00e1ruky<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">V\u00fdstup: p\u00edsomn\u00e1 spr\u00e1va\/posudok s odpor\u00fa\u010dan\u00edm pokra\u010dova\u0165 alebo nie<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">4\ufe0f\u20e3 <strong>K\u00fapno-predajn\u00e1 zmluva (SPA)<\/strong><br\/>Po pozit\u00edvnom Due Diligence pr\u00e1vnik rokuje:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Cena, platobn\u00fd pl\u00e1n, harmonogram v\u00fdstavby, sankcie, z\u00e1ruky, z\u00e1dr\u017en\u00e9, term\u00edny odovzdania, \u00faschova platieb, rie\u0161enie sporov<\/li>\n\n\n\n<li>Podpisovanie (osobne alebo prostredn\u00edctvom plnej moci)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Kolkovn\u00e9 (pribli\u017ene):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>do 5 000 EUR \u2192 0 %<\/li>\n\n\n\n<li>\u20ac5,001-170,000 \u2192 0.15 %<\/li>\n\n\n\n<li>nad 170 000 EUR \u2192 0,20 % (s legislat\u00edvnym stropom)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f SPA mus\u00ed by\u0165 zaregistrovan\u00e1 na okresnom pozemkovom \u00farade do 60 dn\u00ed od podpisu &#8211; zabezpe\u010duje to v\u00e1\u0161 pr\u00e1vny n\u00e1rok vo\u010di tret\u00edm stran\u00e1m<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">5\ufe0f\u20e3 <strong>DPH a da\u0148ov\u00e9 re\u017eimy<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Novostavba: \u0161tandardn\u00e1 19 % DPH<\/li>\n\n\n\n<li>Hlavn\u00e9 bydlisko: mo\u017enos\u0165 zn\u00ed\u017eenej 5 % DPH na prv\u00fdch 130 m\u00b2 (platia podmienky; nad limit alebo in\u00e9 vyu\u017eitie = 19 %)<\/li>\n\n\n\n<li>\u010eal\u0161\u00ed predaj (z druhej ruky): zvy\u010dajne bez DPH<\/li>\n\n\n\n<li>Pozemok na v\u00fdstavbu: m\u00f4\u017ee podlieha\u0165 19 % DPH (v z\u00e1vislosti od pred\u00e1vaj\u00faceho\/\u0161t\u00e1tu)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">6\ufe0f\u20e3 <strong>Platby \/ financovanie<\/strong><br\/><strong> Modely<strong>financovania<\/strong>:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Financovanie developera (\u010dasto bez\u00faro\u010dn\u00e9 po\u010das v\u00fdstavby): napr. 30 % z\u00e1loha + platby za m\u00ed\u013eniky<\/li>\n\n\n\n<li>Hypot\u00e9ka od cyperskej banky (klienti z E\u00da zvy\u010dajne 60-70 % LTV; do 25 rokov)<\/li>\n\n\n\n<li>Kombin\u00e1cia (developer + banka)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Bezpe\u010dnos\u0165 platieb: advok\u00e1tska<\/strong> \u00faschova, faktur\u00e1cia m\u00ed\u013enikov, jasn\u00e9 term\u00edny<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">7\ufe0f\u20e3 <strong>Prevod vlastn\u00edctva (listina o prevode vlastn\u00edctva)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Po \u00faplnom zaplaten\u00ed a splnen\u00ed podmienok pr\u00e1vnik po\u017eiada o prevod vlastn\u00edckeho pr\u00e1va<\/li>\n\n\n\n<li><strong>Poplatok za prevod (<\/strong> ak sa uplat\u0148uje): pri n\u00e1kupe s DPH zvy\u010dajne \u017eiadny; pri n\u00e1kupe bez DPH 50 % zn\u00ed\u017eenie zo \u0161tandardn\u00fdch sadzieb (3 % \/ 5 % \/ 8 % stupnica \u2192 zn\u00ed\u017eenie na polovicu)<\/li>\n\n\n\n<li>Kataster nehnute\u013enost\u00ed vyd\u00e1 nov\u00fd list vlastn\u00edctva na meno kupuj\u00faceho<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u010casov\u00fd r\u00e1mec (pribli\u017ene):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u010eal\u0161\u00ed predaj s existuj\u00facim titulom: 1-2 mesiace<\/li>\n\n\n\n<li>Novostavba s pripraven\u00fdmi titulmi: 3-4 mesiace<\/li>\n\n\n\n<li>Projekt bez z\u00e1vere\u010dn\u00fdch titulov: 6-12 mesiacov po dokon\u010den\u00ed (z\u00e1vis\u00ed od developera \/ katastra nehnute\u013enost\u00ed)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">8\ufe0f\u20e3 <strong>Odovzdanie, kontrola kvality (Snagging) a riadenie<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Technick\u00e1 kontrola (zoznam nedostatkov) &#8211; drobn\u00e9 nedostatky a lehota na ich odstr\u00e1nenie<\/li>\n\n\n\n<li>Prevod elektriny, vody, internetu, n\u00e1bytku, poistenia<\/li>\n\n\n\n<li>V bytov\u00fdch domoch: dohoda o spr\u00e1ve spolo\u010dn\u00fdch priestorov (poplatok za slu\u017eby)<\/li>\n\n\n\n<li>Pre invest\u00edcie: zriadenie pren\u00e1jmu (dlhodob\u00fd \/ kr\u00e1tkodob\u00fd s registr\u00e1ciou v cestovnom ruchu)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">9\ufe0f\u20e3 <strong>N\u00e1klady kupuj\u00faceho (pribli\u017en\u00e9)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e1vnik: ~1-2 % z ceny (alebo 1 500-2 000 EUR za \u0161tandardn\u00fd byt)<\/li>\n\n\n\n<li>Kolkovn\u00e9: pozri vy\u0161\u0161ie (maxim\u00e1lny legislat\u00edvny limit)<\/li>\n\n\n\n<li>Poplatok za prevod: \u017eiadny pri n\u00e1kupe s DPH; inak 50 % \u0161tandardn\u00fdch sadzieb<\/li>\n\n\n\n<li>DPH: 19 % (alebo 5 % pre prv\u00fdch 130 m\u00b2 hlavn\u00e9ho bydliska)<\/li>\n\n\n\n<li>Komun\u00e1lne slu\u017eby \/ transfery: desiatky a\u017e n\u00edzke stovky \u20ac<\/li>\n\n\n\n<li>Servisn\u00fd poplatok: zvy\u010dajne 30-100 \u20ac\/mesiac (z\u00e1vis\u00ed od projektu)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd1f \u0160pecifik\u00e1 pre kupuj\u00facich z E\u00da a mimo E\u00da<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Ob\u010dan E\u00da: neobmedzen\u00fd<\/strong> n\u00e1kup; \u0161tandardn\u00fd postup<\/li>\n\n\n\n<li><strong>Ob\u010dan inej krajiny ako E\u00da: administrat\u00edvne<\/strong> povolenie na nadobudnutie (\u0161t\u00e1tny org\u00e1n) &#8211; pr\u00e1vnik vybavuje s\u00fabe\u017ene s transakciou<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>\u010cast\u00e9 chyby (\u010do klient nesmie robi\u0165):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Podp\u00edsa\u0165 SPA bez nez\u00e1visl\u00e9ho pr\u00e1vnika<\/li>\n\n\n\n<li>Nezaregistrovanie SPA v katastri nehnute\u013enost\u00ed do 60 dn\u00ed<\/li>\n\n\n\n<li>Zneu\u017eitie 5 % DPH (pren\u00e1jom hlavn\u00e9ho bydliska \u2192 doplatenie rozdielu do 19 % + pokuty)<\/li>\n\n\n\n<li>Platba mimo zmluvy a bez krytia m\u00ed\u013enika<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>0\ufe0f\u20e3 Stru\u010dn\u00fd preh\u013ead (TL;DR)Rezerv\u00e1cia (2-4 dni) \u2192 blokuje cenu a jednotku. Due Diligence od pr\u00e1vnika (1-3 t\u00fd\u017edne) \u2192 overenie vlastn\u00edckych pr\u00e1v a povolen\u00ed. K\u00fapno-predajn\u00e1 zmluva (SPA) a registr\u00e1cia v katastri nehnute\u013enost\u00ed (do 60 dn\u00ed od podpisu). Platby pod\u013ea pl\u00e1nu \/ hypot\u00e9ka \u2192 + pr\u00edpadn\u00e1 \u017eiados\u0165 o 5 % DPH (hlavn\u00e9 bydlisko). Odovzdanie, in\u017einierske siete, spr\u00e1va&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[541,546,601],"tags":[],"class_list":["post-27493","post","type-post","status-publish","format-standard","hentry","category-informacie-pre-kupujucich","category-kupa-nehnutelnosti","category-kupa-nehnutelnosti-juzny-cyprus"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/27493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/comments?post=27493"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/27493\/revisions"}],"predecessor-version":[{"id":27494,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/27493\/revisions\/27494"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/media?parent=27493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/categories?post=27493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/tags?post=27493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}