{"id":27622,"date":"2026-01-16T12:54:59","date_gmt":"2026-01-16T11:54:59","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/hypoteka-na-kupu-nehnutelnosti-na-juznom-cypre\/"},"modified":"2026-02-02T19:59:37","modified_gmt":"2026-02-02T18:59:37","slug":"hypoteka-na-kupu-nehnutelnosti-na-juznom-cypre","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/sk\/hypoteka-na-kupu-nehnutelnosti-na-juznom-cypre\/","title":{"rendered":"Hypot\u00e9ka na k\u00fapu nehnute\u013enosti na ju\u017enom Cypre"},"content":{"rendered":"\n

\ud83c\udfe0 Financovanie nehnute\u013enost\u00ed na ju\u017enom Cypre pre ob\u010danov E\u00da<\/strong><\/p>\n\n

Tento \u010dl\u00e1nok poskytuje preh\u013ead postupu z\u00edskania hypotek\u00e1rneho \u00faveru na ju\u017enom Cypre (Cypersk\u00e1 republika) pre kupuj\u00facich, ktor\u00ed maj\u00fa trval\u00fd pobyt v krajine Eur\u00f3pskej \u00fanie.<\/p>\n\n

    \n
  1. Z\u00e1kladn\u00e9 podmienky financovania<\/strong><\/li>\n<\/ol>\n\n

    Z\u00edskanie \u00faveru pre nerezidentov (ob\u010danov E\u00da bez trval\u00e9ho pobytu na Cypre) je \u0161tandardn\u00fd proces, ale s pr\u00edsnej\u0161\u00edmi podmienkami pre podiel vlastn\u00fdch zdrojov:<\/p>\n\n

    LTV (Loan to Value): Banky zvy\u010dajne financuj\u00fa maxim\u00e1lne 50 % k\u00fapnej ceny nehnute\u013enosti.<\/p>\n\n

    Vlastn\u00e9 prostriedky: Zvy\u0161n\u00fdch 50 % ceny mus\u00ed kupuj\u00faci uhradi\u0165 z vlastn\u00fdch zdrojov.<\/p>\n\n

    Mena: \u00davery sa poskytuj\u00fa v eur\u00e1ch (\u20ac), \u010do eliminuje menov\u00e9 riziko pre obyvate\u013eov euroz\u00f3ny.<\/p>\n\n

      \n
    1. Proces rezerv\u00e1cie a z\u00e1ruka vr\u00e1tenia pe\u0148az\u00ed<\/strong><\/li>\n<\/ol>\n\n

      Prv\u00fdm krokom k nadobudnutiu nehnute\u013enosti a za\u010datiu bankov\u00e9ho procesu je jej fix\u00e1cia.<\/p>\n\n

      Rezerva\u010dn\u00fd poplatok: Kupuj\u00faci zaplat\u00ed z\u00e1lohu vo v\u00fd\u0161ke 10 000 EUR.<\/p>\n\n

      Stiahnutie z predaja: Po prip\u00edsan\u00ed platby je byt\/dom ofici\u00e1lne stiahnut\u00fd z predaja a rezervovan\u00fd pre klienta.<\/p>\n\n

      Dolo\u017eka o vr\u00e1ten\u00ed pe\u0148az\u00ed: Na\u0161a spolo\u010dnos\u0165 Cyprus Properties garantuje, \u017ee v pr\u00edpade zamietnutia \u017eiadosti o \u00faver zo strany banky sa rezerva\u010dn\u00fd poplatok vo v\u00fd\u0161ke 10 000 EUR klientovi v plnej v\u00fd\u0161ke vr\u00e1ti. Klient teda nenesie \u017eiadne finan\u010dn\u00e9 riziko spojen\u00e9 s neschv\u00e1len\u00edm \u00faveru. <\/p>\n\n

        \n
      1. Bankov\u00fd proces a dokument\u00e1cia<\/strong><\/li>\n<\/ol>\n\n

        Po rezerv\u00e1cii nasleduje ofici\u00e1lna \u017eiados\u0165 cyperskej banke. Klient mus\u00ed by\u0165 pripraven\u00fd poskytn\u00fa\u0165: <\/p>\n\n

        Doklad o pr\u00edjme: Pracovn\u00e9 zmluvy, v\u00fdplatn\u00e9 p\u00e1sky alebo da\u0148ov\u00e9 priznania (v pr\u00edpade podnikate\u013eov).<\/p>\n\n

        Doklad o finan\u010dn\u00fdch prostriedkoch: Banky pr\u00edsne overuj\u00fa p\u00f4vod vlastn\u00fdch finan\u010dn\u00fdch prostriedkov (napr. predaj inej nehnute\u013enosti, \u00faspory, dedi\u010dstvo) v s\u00falade s predpismi proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed.<\/p>\n\n

        Bankov\u00e9 v\u00fdpisy: Zvy\u010dajne za posledn\u00fdch 6-12 mesiacov z \u00fa\u010dtu vo va\u0161ej domovskej krajine.<\/p>\n\n

        D\u00f4le\u017eit\u00e9 upozornenie: Ka\u017ed\u00fd pr\u00edpad <\/strong>posudzuje banka individu\u00e1lne. Klientom odpor\u00fa\u010dame, aby za\u010dali zhroma\u017e\u010fova\u0165 doklady o pr\u00edjme e\u0161te pred kontrolou na Cypre, aby sa proces ur\u00fdchlil. <\/p>\n","protected":false},"excerpt":{"rendered":"

        \ud83c\udfe0 Financovanie nehnute\u013enost\u00ed na ju\u017enom Cypre pre ob\u010danov E\u00da Tento \u010dl\u00e1nok poskytuje preh\u013ead postupu z\u00edskania hypotek\u00e1rneho \u00faveru na ju\u017enom Cypre (Cypersk\u00e1 republika) pre kupuj\u00facich, ktor\u00ed maj\u00fa trval\u00fd pobyt v krajine Eur\u00f3pskej \u00fanie. Z\u00edskanie \u00faveru pre nerezidentov (ob\u010danov E\u00da bez trval\u00e9ho pobytu na Cypre) je \u0161tandardn\u00fd proces, ale s pr\u00edsnej\u0161\u00edmi podmienkami pre podiel vlastn\u00fdch zdrojov: LTV…<\/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-27622","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\/27622","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=27622"}],"version-history":[{"count":2,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/27622\/revisions"}],"predecessor-version":[{"id":31260,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/posts\/27622\/revisions\/31260"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/media?parent=27622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/categories?post=27622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/sk\/wp-json\/wp\/v2\/tags?post=27622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}