Cesta k hypotéce na stavbu rodinného domu je v porovnání se získáním hypotéky na již existující dům o něco složitější. Nemusíte se ale ničeho obávat. Stačí znát správný postup získání hypotéky, vše si dopředu promyslet, spočítat náklady na výstavbu a také si v předstihu zajistit potřebnou dokumentaci k plánované stavbě.
TIP: Hypotéku na dům si můžete vyřídit online. Do hypoteční kalkulačky hyponamiru.cz stačí zadat pár základních údajů a okamžitě vidíte, která hypotéka na dům je nejvýhodnější.
Klíčová je bonita
Bez ohledu na to, zda plánujete pomocí hypotéky financovat nákup staršího domu, zkolaudované novostavby nebo výstavbu nového rodinného domu, bude se banka vždy zajímat o vaši dosavadní platební morálku, výši příjmů i celkové zadlužení. Maximální výše hypotéky může podle současného doporučení České národní banky dosahovat devítinásobku čistého ročního příjmu (takzvaný ukazatel DTI). Pokud vám tedy ročně přijde na bankovní účet například 300 tisíc korun, hypotéka na stavbu domu může dosahovat až 2,7 milionu korun. Současně musíte splnit ještě jednu podmínku: splátky všech vašich stávajících úvěrů včetně hypotéky nesmí překročit 45 % čistého měsíčního příjmu (ukazatel DSTI). S čistým příjmem 25 tisíc korun měsíčně můžete tedy každý měsíc splácet maximálně 11 250 korun.
Stavba na vlastním pozemku
Ke každému domu patří pozemek. Pokud již vlastníte stavební pozemek a plánujete na něm postavit nový rodinný dům na hypotéku, musíte bance doložit, jak jste k pozemku přišli (pozn. banky sledují takzvaný nabývací titul). Prokázat způsob nabytí pozemku můžete například kupní smlouvou, darovací smlouvou, rozhodnutím o dědictví a podobně. Banka také současně nahlíží do listu vlastnictví vedeném v katastru nemovitostí. Výhodou vlastního pozemku je, že snáze dosáhnete na požadovanou výši hypotéky. Bance totiž dáte pozemek do zástavy, čímž si snížíte hodnotu ukazatele LTV a obvykle získáte také výhodnější úrokovou sazbu. Pokud potřebujete například třímilionovou hypotéku na stavbu domu a bance poskytnete do zástavy pozemek v hodnotě tři miliony korun, bude hodnota LTV 50 %.
Na co si dát pozor?
- Umístění pozemku v rámci územního plánu – musí se jednat o pozemek určený k bydlení nebo o pozemek k rekreaci umožňující celoroční obývání.
- Přístup na pozemek – hypotéku nezískáte na pozemek, na který není po právní stránce vyřešen přístup.
- Zpevněná příjezdová cesta a inženýrské sítě – některé banky vyžadují, aby k pozemku vedla zpevněná příjezdová cesta a byly k němu dovedeny inženýrské sítě.
Nákup pozemku na hypotéku
V případě, že vlastní stavební pozemek ještě nemáte, můžete jeho nákup financovat pomocí hypotéky. Pokud se vám naskytne možnost koupit pozemek za výhodnou cenu, ale stavět na něm budete až za několik let, můžete využít hypotéku pouze na nákup stavebního pozemku. Banky ale obvykle vyžadují, aby se na pozemku začalo do určité doby stavět (například do 10 let). Jakmile se rozhodnete stavět, vezmete si u stejné banky další hypotéku na stavbu domu. Pokud potřebujete peníze na nákup pozemku i stavbu domu současně, je výhodnější sjednat si jednu hypotéku. Při nákupu stavebního pozemku na hypotéku dokládáte bance smlouvu o budoucí smlouvě kupní.
Hypotéka na stavbu domu
K vyřízení hypotéky na stavbu domu budete potřebovat řadu dokumentů. Ty si připravte ještě předtím, než si podáte žádost o hypotéku. Získání některých dokumentů může zabrat několik měsíců, proto příliš dlouho neotálejte. Pokud vám některý dokument schází, dá vám banka na jejich doplnění obvykle dva měsíce.
U hypotéky na stavbu domu bance překládáte
- Alespoň studii stavby, ze které jsou zřejmé její rozměry. Předložit můžete také projektovou a stavební dokumentaci
- Zjednodušený rozpočet stavby na formuláři banky
- K čerpání hypotéky budete potřebovat stavební povolení. Ke schválení hypotéky stavební povolení nepotřebujete.
Postupné čerpání hypotéky
Pokud banka hypotéku na stavbu domu schválí, můžete začít čerpat. Banka vám nedá všechny peníze naráz, ale bude je uvolňovat postupně v takzvaných tranších. Jakmile vám začnou peníze z přidělené části hypotéky docházet, provádí se vždy dohlídka stavby neboli aktualizace odhadu. Odhadce porovnává reálně odvedenou práci s rozpočtem a určuje aktuální prostavěnost a hodnotu stavby. Po dobu stavby platíte bance pouze úroky z poskytnutého hypotečního úvěru. Čím dříve stavbu dokončíte, tím méně na úrocích zaplatíte. Teprve po vyčerpání celé hypotéky a kolaudaci nového domu začnete bance odesílat pravidelné měsíční splátky hypotéky.
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