{"id":329850,"date":"2025-05-19T07:46:55","date_gmt":"2025-05-19T05:46:55","guid":{"rendered":"https:\/\/wordpress.investinslovakia.eu\/?p=329850"},"modified":"2025-06-08T19:58:46","modified_gmt":"2025-06-08T17:58:46","slug":"zaistenie-investicii-nehnutelnostami","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/de\/zaistenie-investicii-nehnutelnostami\/","title":{"rendered":"Ako funguje zaistenie invest\u00edci\u00ed nehnute\u013enos\u0165ami - komplexn\u00fd sprievodca"},"content":{"rendered":"

Investovanie do zaisten\u00fdch invest\u00edci\u00ed predstavuje jeden z najspo\u013eahlivej\u0161\u00edch sp\u00f4sobov, ako v roku 2025 chr\u00e1ni\u0165 a zhodnocova\u0165 financie. V centre z\u00e1ujmu investorov s\u00fa najm\u00e4 invest\u00edcie zaisten\u00e9 nehnute\u013enos\u0165ami, ktor\u00e9 poskytuj\u00fa bezpe\u010dnos\u0165 fyzick\u00e9ho akt\u00edva a z\u00e1rove\u0148 atrakt\u00edvne v\u00fdnosy. V tomto komplexnom sprievodcovi sa dozviete, ako presne funguje mechanizmus zaistenia invest\u00edci\u00ed nehnute\u013enos\u0165ami a pre\u010do je to jedna z najbezpe\u010dnej\u0161\u00edch investi\u010dn\u00fdch strat\u00e9gi\u00ed na s\u00fa\u010dasnom trhu.<\/p>\n\n\n\n

\u010co znamen\u00e1 zaistenie invest\u00edcie nehnute\u013enos\u0165ou?<\/strong><\/h2>\n\n\n\n

Zaistenie invest\u00edcie nehnute\u013enos\u0165ou je proces, pri ktorom je va\u0161a investovan\u00e1 suma kryt\u00e1 re\u00e1lnou nehnute\u013enos\u0165ou. Naj\u010dastej\u0161ie ide o model, kedy poskytujete financie developerovi alebo vlastn\u00edkovi nehnute\u013enosti, pri\u010dom ako z\u00e1ruku z\u00edskavate z\u00e1lo\u017en\u00e9 pr\u00e1vo k nehnute\u013enosti.<\/p>\n\n\n\n

V praxi to znamen\u00e1, \u017ee ak by dl\u017en\u00edk (developer alebo vlastn\u00edk nehnute\u013enosti) nebol schopn\u00fd spl\u00e1ca\u0165 z\u00e1v\u00e4zky, veritelia (investori) maj\u00fa pr\u00e1vo na uspokojenie svojich poh\u013ead\u00e1vok predajom zalo\u017eenej nehnute\u013enosti. Tento mechanizmus v\u00fdrazne zni\u017euje riziko a rob\u00ed z nehnute\u013enos\u0165ami zaisten\u00fdch invest\u00edci\u00ed jednu z najbezpe\u010dnej\u0161\u00edch foriem zhodnocovania pe\u0148az\u00ed.<\/p>\n\n\n\n

K\u013e\u00fa\u010dov\u00e9 prvky zaistenia invest\u00edci\u00ed nehnute\u013enos\u0165ami<\/strong><\/h2>\n\n\n\n

Z\u00e1lo\u017en\u00e9 pr\u00e1vo k nehnute\u013enosti<\/strong><\/h3>\n\n\n\n

Z\u00e1kladn\u00fdm pilierom bezpe\u010dnosti<\/a> je zriadenie z\u00e1lo\u017en\u00e9ho pr\u00e1va k nehnute\u013enosti. Toto pr\u00e1vo je ofici\u00e1lne registrovan\u00e9 v katastri nehnute\u013enost\u00ed, \u010d\u00edm sa st\u00e1va pr\u00e1vne vym\u00e1hate\u013en\u00fdm. Z\u00e1lo\u017en\u00e9 pr\u00e1vo v\u00fdznamne obmedzuje vlastn\u00edka nehnute\u013enosti v mo\u017enosti ju preda\u0165 bez s\u00fahlasu verite\u013eov a poskytuje verite\u013eom (investorom) prednostn\u00e9 pr\u00e1vo na uspokojenie poh\u013ead\u00e1vky v pr\u00edpade probl\u00e9mov.<\/p>\n\n\n\n

Z\u00e1lo\u017en\u00e9 pr\u00e1vo vytv\u00e1ra pr\u00e1vny vz\u0165ah medzi invest\u00edciou a konkr\u00e9tnou nehnute\u013enos\u0165ou, \u010d\u00edm minimalizuje riziko straty vlo\u017een\u00fdch prostriedkov. V pr\u00edpade probl\u00e9mov sa nehnute\u013enos\u0165 pred\u00e1 a z v\u00fd\u0165a\u017eku sa uspokoja poh\u013ead\u00e1vky investorov.<\/p>\n\n\n\n

LTV (Loan to Value) - pomer \u00faveru k hodnote<\/strong><\/h3>\n\n\n\n

D\u00f4le\u017eit\u00fdm bezpe\u010dnostn\u00fdm parametrom je pomer medzi v\u00fd\u0161kou \u00faveru a trhovou hodnotou nehnute\u013enosti, zn\u00e1my ako LTV. Tento ukazovate\u013e:<\/p>\n\n\n\n