{"id":330007,"date":"2025-10-27T16:10:24","date_gmt":"2025-10-27T14:10:24","guid":{"rendered":"https:\/\/wordpress.investinslovakia.eu\/?p=330007"},"modified":"2025-10-27T16:10:25","modified_gmt":"2025-10-27T14:10:25","slug":"zaistene-uvery","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/en\/zaistene-uvery\/","title":{"rendered":"Pre\u010do s\u00fa \u00favery kryt\u00e9 nehnute\u013enos\u0165ou pova\u017eovan\u00e9 za bezpe\u010dnej\u0161\u00ed typ invest\u00edcie?"},"content":{"rendered":"
Ak \u010dlovek h\u013ead\u00e1 sp\u00f4sob, ako zhodnoti\u0165 peniaze bez zbyto\u010dn\u00e9ho stresu, \u010dasto naraz\u00ed na dva probl\u00e9my:<\/p><\/p>\n\n\n\n
Pr\u00e1ve preto sa \u010doraz viac investorov za\u010d\u00edna zauj\u00edma\u0165 o \u00favery zaisten\u00e9 nehnute\u013enos\u0165ou<\/strong> \u2013 teda tak\u00e9, pri ktor\u00fdch je invest\u00edcia kryt\u00e1 re\u00e1lnym majetkom.<\/p><\/p>\n\n\n\n Na platforme Invest in Slovakia plat\u00ed jednoduch\u00e9 pravidlo: poskytnut\u00fd \u00faver nikdy nepresiahne 75 % hodnoty nehnute\u013enosti, ktor\u00e1 sl\u00fa\u017ei ako z\u00e1bezpeka<\/strong>. Zvy\u0161n\u00fdch 25 % tvor\u00ed bezpe\u010dnostn\u00e1 rezerva, ktor\u00e1 chr\u00e1ni investorov v pr\u00edpade komplik\u00e1ci\u00ed.<\/p> Investori spolo\u010dne poskytn\u00fa \u00faver vlastn\u00edkovi nehnute\u013enosti \u2013 podobne ako banka. Rozdiel je v tom, \u017ee ka\u017ed\u00e9 euro je kryt\u00e9 z\u00e1lo\u017en\u00fdm pr\u00e1vom na konkr\u00e9tnu nehnute\u013enos\u0165 zap\u00edsan\u00fdm v katastri<\/strong>, tak\u017ee ak by dl\u017en\u00edk nespl\u00e1cal, je mo\u017en\u00e9 z\u00e1bezpeku pr\u00e1vne vym\u00f4c\u0165 a preda\u0165. V porovnan\u00ed s invest\u00edciami bez zabezpe\u010denia (napr\u00edklad niektor\u00e9 P2P p\u00f4\u017ei\u010dky) ide o model s v\u00fdrazne lep\u0161ie kontrolovate\u013en\u00fdm rizikom.<\/p> Ka\u017ed\u00fd projekt prech\u00e1dza detailn\u00fdm hodnoten\u00edm<\/strong>, pri ktorom sa nesleduje len trhov\u00e1 hodnota, ale aj likvidita, teda ako r\u00fdchlo by sa nehnute\u013enos\u0165 dala v pr\u00edpade potreby preda\u0165<\/strong>.<\/p> Posudzuje sa lokalita, technick\u00fd stav, pr\u00e1vne za\u0165a\u017eenie aj dopyt na trhu. A\u017e po splnen\u00ed v\u0161etk\u00fdch 66 kontroln\u00fdch bodov tzv. Credi Diligence<\/strong> sa \u00faver dostane na platformu \u2013 a investor z\u00e1rove\u0148 vid\u00ed, ak\u00e9 rizikov\u00e9 hodnotenie konkr\u00e9tny projekt z\u00edskal (\u0161k\u00e1la od 10 = n\u00edzke riziko po 1 = vysok\u00e9 riziko).<\/p> Pri zaisten\u00fdch \u00faveroch sa sleduje aj LTL ukazovate\u013e<\/strong> \u2013 pomer medzi v\u00fd\u0161kou poskytnut\u00e9ho \u00faveru a hodnotou nehnute\u013enosti. \u010c\u00edm je \u010d\u00edslo ni\u017e\u0161ie, t\u00fdm je v\u00e4\u010d\u0161\u00ed \u201evank\u00fa\u0161\u201c pre investora.<\/p>
<\/p>\n\n\n\nAko zaistenie nehnute\u013enos\u0165ou funguje? <\/strong><\/h2>\n\n\n\n
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<\/p>\n\n\n\n\u010co e\u0161te zvy\u0161uje bezpe\u010dnos\u0165?<\/strong><\/h2>\n\n\n\n
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