{"id":16923,"date":"2026-08-19T09:39:31","date_gmt":"2026-08-19T06:39:31","guid":{"rendered":"https:\/\/residence-estate.ge\/?p=16923"},"modified":"2026-08-19T09:39:33","modified_gmt":"2026-08-19T06:39:33","slug":"installment-plans-for-real-estate-in-georgia","status":"publish","type":"post","link":"https:\/\/residence-estate.ge\/cs\/all\/installment-plans-for-real-estate-in-georgia\/","title":{"rendered":"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii"},"content":{"rendered":"<p>Na gruz\u00ednsk\u00e9m trhu s novostavbami m\u00e1 kupuj\u00edc\u00ed t\u00e9m\u011b\u0159 v\u017edy na v\u00fdb\u011br ze t\u0159\u00ed zp\u016fsob\u016f platby: celkov\u00e1 \u010d\u00e1stka najednou, spl\u00e1tky od developera nebo bankovn\u00ed hypot\u00e9ka. Prvn\u00ed dv\u011b mo\u017enosti vypadaj\u00ed podobn\u011b \u2013 pen\u00edze jdou p\u0159\u00edmo developerovi \u2013, ale z\u00e1sadn\u011b se li\u0161\u00ed podm\u00ednkami, lh\u016ftami a pr\u00e1vn\u00ed konstrukc\u00ed. N\u00e1pis \u201e0% spl\u00e1tky po dobu 24 m\u011bs\u00edc\u016f\u201c je\u0161t\u011b neukazuje, kolik kupuj\u00edc\u00ed nakonec zaplat\u00ed. U dvou projekt\u016f se mohou li\u0161it cena bytu p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i a p\u0159i spl\u00e1tkov\u00e9m pl\u00e1nu, v\u00fd\u0161e prvn\u00ed spl\u00e1tky, v\u00fd\u0161e z\u00e1v\u011bre\u010dn\u00e9 spl\u00e1tky, podm\u00ednky v p\u0159\u00edpad\u011b prodlen\u00ed a okam\u017eik z\u00e1pisu vlastnick\u00e9ho pr\u00e1va. Dva projekty se stejn\u00fdm ozna\u010den\u00edm \u201e0%, 24 m\u011bs\u00edc\u016f\u201c mohou skr\u00fdvat zcela odli\u0161n\u00e9 \u010d\u00e1stky kone\u010dn\u00fdch plateb, odli\u0161n\u00e1 pr\u00e1va kupuj\u00edc\u00edho a odli\u0161n\u00e9 d\u016fsledky v p\u0159\u00edpad\u011b nedodr\u017een\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e.<\/p>\n\n\n\n<p>Tento \u010dl\u00e1nek se zab\u00fdv\u00e1 mechanismem spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e od developera: jak je pr\u00e1vn\u011b uspo\u0159\u00e1d\u00e1n, z jak\u00fdch parametr\u016f se skl\u00e1d\u00e1, co je t\u0159eba zkontrolovat ve smlouv\u011b, jak\u00e9 sc\u00e9n\u00e1\u0159e jsou mo\u017en\u00e9 v p\u0159\u00edpad\u011b prodlen\u00ed a jak porovnat dv\u011b nab\u00eddky, ani\u017e by se \u010dlov\u011bk \u0159\u00eddil pouze v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Stru\u010dn\u011b k podstat\u011b v\u011bci.<\/strong> V typick\u00e9m sch\u00e9matu spl\u00e1tkov\u00e9ho prodeje uzav\u00edr\u00e1 kupuj\u00edc\u00ed smlouvu s developerem nebo prod\u00e1vaj\u00edc\u00edm, kter\u00e1 stanov\u00ed \u00fahradu ceny nemovitosti v d\u00edl\u010d\u00edch spl\u00e1tk\u00e1ch podle dohodnut\u00e9ho harmonogramu. V klasick\u00e9m p\u0159\u00edm\u00e9m modelu se banka ne\u00fa\u010dastn\u00ed. V\u00fd\u0161e prvn\u00ed spl\u00e1tky, doba trv\u00e1n\u00ed, periodicita spl\u00e1tek, okam\u017eik z\u00e1pisu pr\u00e1v a d\u016fsledky prodlen\u00ed jsou ur\u010deny podm\u00ednkami konkr\u00e9tn\u00ed smlouvy a projektu. Neexistuje jednotn\u00fd st\u00e1tn\u00ed standard pro komer\u010dn\u00ed programy spl\u00e1tkov\u00e9ho prodeje.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii: hlavn\u00ed informace<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Podm\u00ednky spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e nejsou na cel\u00e9m trhu jednotn\u00e9. Dva projekty s ozna\u010den\u00edm \u201e0%\u201c se mohou v\u00fdrazn\u011b li\u0161it, pokud jde o v\u00fd\u0161i prvn\u00ed spl\u00e1tky, dobu trv\u00e1n\u00ed, cenu p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i a p\u0159i spl\u00e1tkov\u00e9m kalend\u00e1\u0159i, okam\u017eik z\u00e1pisu vlastnick\u00e9ho pr\u00e1va a podm\u00ednky zru\u0161en\u00ed smlouvy.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Ot\u00e1zka<\/th><th>Stru\u010dn\u00e1 odpov\u011b\u010f<\/th><\/tr><\/thead><tbody><tr><td>Kdo nab\u00edz\u00ed spl\u00e1tkov\u00e9 podm\u00ednky<\/td><td>Obvykle developer nebo prodejce<\/td><\/tr><tr><td>Je pot\u0159eba banka?<\/td><td>U klasick\u00e9ho p\u0159\u00edm\u00e9ho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e \u2014 ne<\/td><\/tr><tr><td>Existuje jednotn\u00e1 maxim\u00e1ln\u00ed lh\u016fta?<\/td><td>Ne, ur\u010duje to program a smlouva<\/td><\/tr><tr><td>Existuje model 0%?<\/td><td>Ano, takov\u00e9 programy existuj\u00ed, ale je t\u0159eba porovnat cenu s plnou cenou<\/td><\/tr><tr><td>Je nutn\u00e9 dokl\u00e1dat p\u0159\u00edjem?<\/td><td>Z\u00e1le\u017e\u00ed na po\u017eadavc\u00edch konkr\u00e9tn\u00edho prodejce<\/td><\/tr><tr><td>M\u016f\u017ee si to koupit cizinec?<\/td><td>Obecn\u011b plat\u00ed, \u017ee cizinci mohou kupovat byty; pro zem\u011bd\u011blskou p\u016fdu plat\u00ed zvl\u00e1\u0161tn\u00ed omezen\u00ed<\/td><\/tr><tr><td>Kdy vznik\u00e1 vlastnick\u00e9 pr\u00e1vo<\/td><td>Po st\u00e1tn\u00ed registraci p\u0159\u00edslu\u0161n\u00e9ho pr\u00e1va<\/td><\/tr><tr><td>Je mo\u017en\u00e9 nakoupit na d\u00e1lku?<\/td><td>Jednotliv\u00e9 f\u00e1ze nebo transakci prost\u0159ednictv\u00edm z\u00e1stupce lze zajistit na d\u00e1lku, pokud jsou spln\u011bny po\u017eadavky na dokumenty<\/td><\/tr><tr><td>Co je t\u0159eba zkontrolovat jako prvn\u00ed<\/td><td>Celkov\u00e1 cena, prvn\u00ed spl\u00e1tka, spl\u00e1tkov\u00fd kalend\u00e1\u0159, z\u00e1v\u011bre\u010dn\u00e1 spl\u00e1tka, z\u00e1pis do katastru, prodlen\u00ed a zru\u0161en\u00ed smlouvy<\/td><\/tr><tr><td>Existuje jednotn\u00e1 v\u00fd\u0161e z\u00e1lohy?<\/td><td>Ne, z\u00e1le\u017e\u00ed na projektu. <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Existuje jednotn\u00e1 maxim\u00e1ln\u00ed lh\u016fta? \u2014 Ne, ur\u010duje ji program a smlouva.<\/strong> \u010casto je spl\u00e1tkov\u00fd kalend\u00e1\u0159 stanoven do dokon\u010den\u00ed stavby, ale n\u011bkter\u00e9 projekty po\u010d\u00edtaj\u00ed s platbami i po p\u0159ed\u00e1n\u00ed objektu. Mezi aktu\u00e1ln\u00edmi nab\u00eddkami se vyskytuj\u00ed programy s dobou trv\u00e1n\u00ed od 12 do 60 m\u011bs\u00edc\u016f \u2013 konkr\u00e9tn\u00ed doba z\u00e1vis\u00ed na projektu, f\u00e1zi v\u00fdstavby a v\u00fd\u0161i prvn\u00edho vkladu.<\/p>\n\n\n\n<p><strong>Je mo\u017en\u00e9 spl\u00e1cet na spl\u00e1tky u k\u00f3du 0%? \u2014 Ano.<\/strong> \u201e0%\u201c obvykle znamen\u00e1, \u017ee na zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku se nevztahuje samostatn\u00e1 \u00farokov\u00e1 sazba za poskytnut\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e. To neznamen\u00e1 nulovou po\u010d\u00e1te\u010dn\u00ed spl\u00e1tku: v\u00fd\u0161e prvn\u00ed spl\u00e1tky se \u0159\u00edd\u00ed podm\u00ednkami konkr\u00e9tn\u00edho projektu. Krom\u011b toho se cena bytu p\u0159i spl\u00e1tkov\u00e9m \u00fav\u011bru m\u016f\u017ee li\u0161it od ceny p\u0159i platb\u011b 100%, proto je t\u0159eba porovn\u00e1vat celkovou \u010d\u00e1stku transakce.<\/p>\n\n\n\n<p><strong>Existuje jednotn\u00e1 v\u00fd\u0161e prvn\u00ed spl\u00e1tky? \u2014 Ne, z\u00e1le\u017e\u00ed na projektu.<\/strong> V mnoha programech se vyskytuje po\u010d\u00e1te\u010dn\u00ed vklad ve v\u00fd\u0161i p\u0159ibli\u017en\u011b 30%, podm\u00ednky se v\u0161ak v\u00fdrazn\u011b li\u0161\u00ed: u n\u011bkter\u00fdch projekt\u016f m\u016f\u017ee po\u010d\u00e1te\u010dn\u00ed vklad \u010dinit 10% nebo b\u00fdt dokonce je\u0161t\u011b ni\u017e\u0161\u00ed. Existuj\u00ed i nab\u00eddky bez po\u010d\u00e1te\u010dn\u00ed spl\u00e1tky. Aktu\u00e1ln\u00ed projekty s minim\u00e1ln\u00ed po\u010d\u00e1te\u010dn\u00ed spl\u00e1tkou si m\u016f\u017eete ov\u011b\u0159it u specialist\u016f The Residence na WhatsAppu.<br><a href=\"https:\/\/wa.me\/+995599050123\" target=\"_blank\" rel=\"nofollow noopener\">Zjist\u011bte si na WhatsAppu projekty s minim\u00e1ln\u00ed po\u010d\u00e1te\u010dn\u00ed spl\u00e1tkou<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je to spl\u00e1tkov\u00fd pl\u00e1n od developera<\/h2>\n\n\n\n<p>V typick\u00e9m sch\u00e9matu spl\u00e1tkov\u00e9ho prodeje kupuj\u00edc\u00ed uzav\u00edr\u00e1 smlouvu s developerem nebo prod\u00e1vaj\u00edc\u00edm, kter\u00e1 p\u0159edpokl\u00e1d\u00e1 \u00fahradu ceny nemovitosti ve spl\u00e1tk\u00e1ch. V klasick\u00e9m p\u0159\u00edm\u00e9m sch\u00e9matu banka nevystupuje jako v\u011b\u0159itel, nestanovuje \u00farokovou sazbu a neprov\u00e1d\u00ed standardn\u00ed posouzen\u00ed \u00fav\u011bruschopnosti. Konkr\u00e9tn\u00ed pr\u00e1vn\u00ed konstrukce a okam\u017eik z\u00e1pisu pr\u00e1v z\u00e1vis\u00ed na smlouv\u011b a p\u0159edm\u011btu transakce \u2013 jsou mo\u017en\u00e9 i kombinovan\u00e9 produkty, u nich\u017e je \u010d\u00e1st \u010d\u00e1stky kryta hypot\u00e9kou a \u010d\u00e1st se vypl\u00e1c\u00ed p\u0159\u00edmo developerovi.<\/p>\n\n\n\n<p>Hlavn\u00edm sc\u00e9n\u00e1\u0159em, v n\u011bm\u017e se spl\u00e1tkov\u00fd pl\u00e1n vyskytuje, je koup\u011b bytu v dom\u011b ve v\u00fdstavb\u011b. Pr\u00e1v\u011b v tomto p\u0159\u00edpad\u011b m\u00e1 developer z\u00e1jem o postupn\u00e9 z\u00edsk\u00e1v\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f a kupuj\u00edc\u00ed m\u00e1 mo\u017enost nemovitost po\u0159\u00eddit je\u0161t\u011b p\u0159ed dokon\u010den\u00edm v\u00fdstavby \u2013 p\u0159i\u010dem\u017e cena a podm\u00ednky z\u00e1vis\u00ed na projektu, f\u00e1zi v\u00fdstavby a obchodn\u00ed politice developera. V praxi se spl\u00e1tkov\u00fd kalend\u00e1\u0159 \u010dasto v\u00e1\u017ee na term\u00edny v\u00fdstavby, z\u00e1le\u017e\u00ed v\u0161ak na obchodn\u00ed politice konkr\u00e9tn\u00edho projektu \u2013 spl\u00e1cen\u00ed m\u016f\u017ee pokra\u010dovat i po p\u0159ed\u00e1n\u00ed domu.<\/p>\n\n\n\n<p>Z\u00e1sadn\u00ed rozd\u00edl oproti spot\u0159ebitelsk\u00e9mu \u00fav\u011bru spo\u010d\u00edv\u00e1 v tom, \u017ee v p\u0159\u00edpad\u011b p\u0159\u00edm\u00e9ho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e od developera neexistuje \u00fav\u011brov\u00e1 smlouva s bankou a neplat\u00ed se bankovn\u00ed \u00farokov\u00e9 sazby. V klasick\u00e9m p\u0159\u00edm\u00e9m modelu se jedn\u00e1 o transakci mezi kupuj\u00edc\u00edm a prod\u00e1vaj\u00edc\u00edm nebo developerem bez bankovn\u00edho \u00fav\u011bru. Podm\u00ednky jsou proto ur\u010deny konkr\u00e9tn\u00ed obchodn\u00ed nab\u00eddkou a smlouvou a mohou se projekt od projektu v\u00fdrazn\u011b li\u0161it.<\/p>\n\n\n\n<p><strong>Spl\u00e1tkov\u00fd program nen\u00ed jednotn\u00fd st\u00e1tn\u00ed program s parametry, kter\u00e9 by byly stejn\u00e9 pro cel\u00fd trh.<\/strong> Nap\u0159\u00edklad, hypoteticky: jeden developer m\u016f\u017ee nab\u00eddnout 10% jako prvn\u00ed spl\u00e1tku a 36 m\u011bs\u00edc\u016f, jin\u00fd pak 40% a 12 m\u011bs\u00edc\u016f. Oba to naz\u00fdvaj\u00ed spl\u00e1tkov\u00fdm pl\u00e1nem. Porovn\u00e1vat je je t\u0159eba nikoli podle n\u00e1zvu programu, ale podle konkr\u00e9tn\u00edch \u010d\u00edsel a smluvn\u00edch podm\u00ednek.<\/p>\n\n\n\n<p>Zjednodu\u0161en\u00fd pr\u016fb\u011bh transakce vypad\u00e1 takto:<\/p>\n\n\n\n<p><strong>V\u00fdb\u011br objektu \u2192 Dohoda o podm\u00ednk\u00e1ch \u2192 Prvn\u00ed spl\u00e1tka \u2192 Smlouva \u2192 Spl\u00e1tky podle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e \u2192 Kompletn\u00ed v\u00fdpo\u010det \u2192 P\u0159ed\u00e1n\u00ed a\/nebo registrace v souladu s podm\u00ednkami smlouvy.<\/strong><\/p>\n\n\n\n<p>Okam\u017eik p\u0159ed\u00e1n\u00ed p\u0159edm\u011btu a zaps\u00e1n\u00ed vlastnick\u00e9ho pr\u00e1va z\u00e1vis\u00ed na tom, co p\u0159esn\u011b je uvedeno ve smlouv\u011b a v jak\u00e9 f\u00e1zi se p\u0159edm\u011bt nach\u00e1z\u00ed \u2013 podrobn\u011bj\u0161\u00ed informace najdete v \u010d\u00e1sti v\u011bnovan\u00e9 registraci pr\u00e1v.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16926\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Z \u010deho se skl\u00e1daj\u00ed podm\u00ednky spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Po\u010d\u00e1te\u010dn\u00ed spl\u00e1tka<\/h3>\n\n\n\n<p>Prvn\u00ed spl\u00e1tka \u2013 po\u010d\u00e1te\u010dn\u00ed \u010d\u00e1st ceny, kterou mus\u00ed kupuj\u00edc\u00ed uhradit ve lh\u016ft\u011b stanoven\u00e9 smlouvou nebo dohodnut\u00fdmi podm\u00ednkami transakce. Pro developera p\u0159edstavuje potvrzen\u00ed v\u00e1\u017enosti z\u00e1m\u011bru a \u010d\u00e1ste\u010dn\u00e9 financov\u00e1n\u00ed v\u00fdstavby v ran\u00e9 f\u00e1zi. Pro kupuj\u00edc\u00edho p\u0159edstavuje vstupn\u00ed bod do transakce.<\/p>\n\n\n\n<p>V\u00fd\u0161e prvn\u00ed spl\u00e1tky z\u00e1vis\u00ed na konkr\u00e9tn\u00edm projektu, f\u00e1zi v\u00fdstavby a politice developera. Na trhu se vyskytuj\u00ed velmi rozd\u00edln\u00e9 \u00farovn\u011b: nebylo by spr\u00e1vn\u00e9 ozna\u010dit n\u011bjak\u00fd rozsah za univerz\u00e1ln\u00ed standard. V ran\u00fdch f\u00e1z\u00edch v\u00fdstavby nab\u00edzej\u00ed n\u011bkte\u0159\u00ed develope\u0159i flexibiln\u011bj\u0161\u00ed platebn\u00ed sch\u00e9mata, podm\u00ednky v\u0161ak z\u00e1vis\u00ed na konkr\u00e9tn\u00edm projektu a obchodn\u00ed politice prod\u00e1vaj\u00edc\u00edho.<\/p>\n\n\n\n<p>V\u00fd\u0161e prvn\u00ed spl\u00e1tky <strong>mo\u017en\u00e1<\/strong> ovlivnit kone\u010dnou cenu a dal\u0161\u00ed obchodn\u00ed podm\u00ednky: vy\u0161\u0161\u00ed z\u00e1loha n\u011bkdy umo\u017e\u0148uje zajistit si lep\u0161\u00ed podm\u00ednky nebo zkr\u00e1tit dobu spl\u00e1cen\u00ed. Je dobr\u00e9 si to p\u0159edem ov\u011b\u0159it u developera.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lh\u016fta a spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/h3>\n\n\n\n<p>D\u00e9lka spl\u00e1tkov\u00e9ho obdob\u00ed a zp\u016fsob rozlo\u017een\u00ed spl\u00e1tek jsou nem\u00e9n\u011b d\u016fle\u017eit\u00e9 parametry ne\u017e samotn\u00e1 cena. Spl\u00e1tkov\u00e9 kalend\u00e1\u0159e se li\u0161\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky stejn\u00e9 v\u00fd\u0161e<\/strong> \u2014 nejjednodu\u0161\u0161\u00ed mo\u017enost, kdy se zbytek rozd\u011bl\u00ed na stejn\u00e9 \u010d\u00e1sti.<\/li>\n\n\n\n<li><strong>\u010ctvrtletn\u00ed nebo postupn\u00e9 platby<\/strong> \u2014 jsou v\u00e1z\u00e1ny na jednotliv\u00e9 etapy v\u00fdstavby nebo na konkr\u00e9tn\u00ed data.<\/li>\n\n\n\n<li><strong>Individu\u00e1ln\u00ed grafy<\/strong> \u2014 kdy\u017e se kupuj\u00edc\u00ed a developer dohodnou na nestandardn\u00edm rozlo\u017een\u00ed z\u00e1t\u011b\u017ee.<\/li>\n\n\n\n<li><strong>Balloon payment (z\u00e1v\u011bre\u010dn\u00e1 velk\u00e1 spl\u00e1tka)<\/strong> \u2014 syst\u00e9m, p\u0159i kter\u00e9m se zna\u010dn\u00e1 \u010d\u00e1st \u010d\u00e1stky uhrad\u00ed jednor\u00e1zov\u011b na konci programu, co\u017e se \u010dasto \u010dasov\u011b shoduje s p\u0159ed\u00e1n\u00edm domu.<\/li>\n<\/ul>\n\n\n\n<p>Zvl\u00e1\u0161t\u011b u posledn\u00ed varianty je d\u016fle\u017eit\u00e9 spr\u00e1vn\u011b pochopit jej\u00ed podstatu. N\u00edzk\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka po celou dobu spl\u00e1cen\u00ed m\u016f\u017ee skr\u00fdvat vysokou z\u00e1v\u011bre\u010dnou spl\u00e1tku, kter\u00e1 v dan\u00e9m okam\u017eiku vy\u017e\u00e1d\u00e1 zna\u010dn\u00e9 finan\u010dn\u00ed prost\u0159edky. P\u0159i srovn\u00e1v\u00e1n\u00ed dvou program\u016f se nelze orientovat pouze podle v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u2013 je t\u0159eba br\u00e1t v \u00favahu rozlo\u017een\u00ed z\u00e1t\u011b\u017ee v \u010dase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cena a \u00faroky<\/h3>\n\n\n\n<p>Jedn\u00e1 se o nejd\u016fle\u017eit\u011bj\u0161\u00ed a z\u00e1rove\u0148 nej\u010dast\u011bji zjednodu\u0161ovan\u00fd blok.<\/p>\n\n\n\n<p><strong>\u201e0% spl\u00e1tky\u201c a absence p\u0159eplatku \u2013 to nen\u00ed tot\u00e9\u017e.<\/strong> Developer, kter\u00fd nab\u00edz\u00ed bez\u00faro\u010dn\u00e9 spl\u00e1tky, m\u016f\u017ee stanovovat r\u016fzn\u00e9 ceny v z\u00e1vislosti na zp\u016fsobu platby. V p\u0159\u00edpad\u011b platby v pln\u00e9 v\u00fd\u0161i m\u016f\u017ee developer nab\u00eddnout samostatnou slevu \u2013 pro spr\u00e1vn\u00e9 srovn\u00e1n\u00ed je proto t\u0159eba si vy\u017e\u00e1dat cenu t\u00e9\u017ee nemovitosti p\u0159i r\u016fzn\u00fdch zp\u016fsobech platby.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Rozd\u00edl mezi cenou p\u0159i spl\u00e1tkov\u00e9m \u00fav\u011bru a cenou p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i ukazuje dodate\u010dn\u00e9 n\u00e1klady, kter\u00e9 kupuj\u00edc\u00edmu vzniknou p\u0159i volb\u011b spl\u00e1tkov\u00e9ho \u00fav\u011bru \u2013 i kdy\u017e nikde nen\u00ed uvedena konkr\u00e9tn\u00ed \u00farokov\u00e1 sazba.<\/strong> Z tohoto rozd\u00edlu v\u0161ak nelze odvodit vnit\u0159n\u00ed strukturu cenotvorby developera.<\/p>\n<\/blockquote>\n\n\n\n<p>Naz\u00fdvat cenov\u00fd rozd\u00edl \u201eskryt\u00fdm \u00farokem\u201c by bylo ne\u00fapln\u00fdm zjednodu\u0161en\u00edm. M\u016f\u017ee se jednat o rozd\u00edl v obchodn\u00edch cen\u00e1ch nebo o nevyu\u017eitou slevu za jednor\u00e1zovou platbu. Pro kupuj\u00edc\u00edho je v\u0161ak d\u016fle\u017eit\u00fd v\u00fdsledek: je t\u0159eba porovnat celkovou \u010d\u00e1stku plateb v ka\u017ed\u00e9m sc\u00e9n\u00e1\u0159i \u2013 spl\u00e1tky, platba v pln\u00e9 v\u00fd\u0161i, ak\u010dn\u00ed nab\u00eddka, zv\u00fd\u0161en\u00e1 prvn\u00ed spl\u00e1tka.<\/p>\n\n\n\n<p>D\u00e1le je vhodn\u00e9 zkontrolovat, zda smlouva neobsahuje \u017e\u00e1dn\u00e9 provize, poplatky za vy\u0159\u00edzen\u00ed nebo jin\u00e9 v\u00fddaje, kter\u00e9 zvy\u0161uj\u00ed celkovou \u010d\u00e1stku.<\/p>\n\n\n\n<p><strong>Tabulka 1. Co je t\u0159eba porovn\u00e1vat v p\u0159\u00edpad\u011b spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametr<\/th><th>Co zkontrolovat<\/th><th>Pro\u010d je to d\u016fle\u017eit\u00e9<\/th><\/tr><\/thead><tbody><tr><td>Cena p\u0159i spl\u00e1tkov\u00e9m prodeji<\/td><td>Celkov\u00e1 \u010d\u00e1stka podle smlouvy<\/td><td>Z\u00e1klad pro srovn\u00e1n\u00ed<\/td><\/tr><tr><td>Cena p\u0159i platb\u011b 100%<\/td><td>Je k dispozici sleva p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i?<\/td><td>P\u0159\u00edplatek za spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/td><\/tr><tr><td>Prvn\u00ed \u010d\u00e1st<\/td><td>\u010c\u00e1stka a lh\u016fta pro zaplacen\u00ed<\/td><td>Ur\u010duje vstupn\u00ed bod<\/td><\/tr><tr><td>Doba spl\u00e1cen\u00ed<\/td><td>Po\u010det m\u011bs\u00edc\u016f\/f\u00e1z\u00ed<\/td><td>Rozsah finan\u010dn\u00ed z\u00e1t\u011b\u017ee<\/td><\/tr><tr><td>\u010cetnost plateb<\/td><td>M\u011bs\u00ed\u010dn\u011b, \u010dtvrtletn\u011b, po etap\u00e1ch<\/td><td>M\u00e1 vliv na sestavov\u00e1n\u00ed rozpo\u010dtu<\/td><\/tr><tr><td>Z\u00e1v\u011bre\u010dn\u00e1 platba<\/td><td>Je na konci n\u011bjak\u00e1 v\u011bt\u0161\u00ed platba?<\/td><td>Nezapomenout zahrnout do v\u00fdpo\u010dt\u016f<\/td><\/tr><tr><td>M\u011bna cen a plateb<\/td><td>V jak\u00e9 m\u011bn\u011b je uvedena cena a v jak\u00e9 m\u011bn\u011b m\u00e1 b\u00fdt provedena skute\u010dn\u00e1 platba<\/td><td>M\u011bnov\u00fd riziko v p\u0159\u00edpad\u011b nesouladu mezi m\u011bnami v\u00fdnos\u016f a z\u00e1vazk\u016f<\/td><\/tr><tr><td>P\u0159ed\u010dasn\u00e1 platba<\/td><td>Je to mo\u017en\u00e9, m\u00e1 to vliv na cenu?<\/td><td>Flexibilita p\u0159i zm\u011bn\u00e1ch pl\u00e1n\u016f<\/td><\/tr><tr><td>Pokuta za prodlen\u00ed<\/td><td>V\u00fd\u0161e pen\u00e1le, lh\u016fta pro spln\u011bn\u00ed<\/td><td>D\u016fsledky nedodr\u017een\u00ed harmonogramu<\/td><\/tr><tr><td>Podm\u00ednky zru\u0161en\u00ed<\/td><td>Podm\u00ednky a v\u00fd\u0161e vr\u00e1cen\u00e9 \u010d\u00e1stky<\/td><td>Sc\u00e9n\u00e1\u0159 ukon\u010den\u00ed transakce<\/td><\/tr><tr><td>Okam\u017eik z\u00e1pisu pr\u00e1v<\/td><td>Kdy a co se vy\u0159izuje<\/td><td>Pr\u00e1vn\u00ed ochrana kupuj\u00edc\u00edho<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Jak\u00e9 byty v Gruzii lze koupit na spl\u00e1tky<\/strong><\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Spl\u00e1tkov\u00e9 programy se vyskytuj\u00ed p\u0159edev\u0161\u00edm v novostavb\u00e1ch v Batumi a Tbilisi. Podm\u00ednky se li\u0161\u00ed i u projekt\u016f v r\u00e1mci jednoho m\u011bsta: developer m\u016f\u017ee upravovat v\u00fd\u0161i po\u010d\u00e1te\u010dn\u00ed spl\u00e1tky, d\u00e9lku trv\u00e1n\u00ed programu a spl\u00e1tkov\u00fd kalend\u00e1\u0159 v z\u00e1vislosti na konkr\u00e9tn\u00edm byt\u011b, f\u00e1zi v\u00fdstavby a aktu\u00e1ln\u00ed obchodn\u00ed nab\u00eddce.<\/p>\n\n\n\n<p>Proto je prakti\u010dt\u011bj\u0161\u00ed, m\u00edsto hled\u00e1n\u00ed abstraktn\u00edho \u201espl\u00e1tkov\u00e9ho pl\u00e1nu na 36 m\u011bs\u00edc\u016f\u201c, nejprve stanovit rozpo\u010det a p\u0159ijatelnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku a teprve pot\u00e9 porovnat projekty, kter\u00e9 jsou za tuto \u010d\u00e1stku k dispozici.<\/p>\n<\/blockquote>\n\n\n\n<p>Pokud jste si ji\u017e stanovili rozpo\u010det a v\u00fd\u0161i spl\u00e1tky, kter\u00e1 v\u00e1m vyhovuje, m\u016f\u017eete p\u0159ej\u00edt k v\u00fdb\u011bru: odborn\u00edci z The Residence v\u00e1m pomohou porovnat aktu\u00e1ln\u00ed projekty a vybrat nemovitosti s nejvhodn\u011bj\u0161\u00edmi podm\u00ednkami spl\u00e1cen\u00ed \u2013 co se t\u00fd\u010de v\u00fd\u0161e prvn\u00ed spl\u00e1tky, doby spl\u00e1cen\u00ed a spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e.<br><a href=\"\/cs\/quiz\/\" target=\"_blank\">Vybrat nemovitost v Gruzii s mo\u017enost\u00ed spl\u00e1tek<\/a><\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Spl\u00e1tkov\u00e9 programy v Batumi a Tbilisi: je v tom n\u011bjak\u00fd rozd\u00edl?<\/h3>\n\n\n\n<p>Spl\u00e1tkov\u00e9 pl\u00e1ny se vyskytuj\u00ed v novostavb\u00e1ch na obou nejv\u011bt\u0161\u00edch trz\u00edch v zemi, ale m\u011bsto by se nem\u011blo vyb\u00edrat pouze na z\u00e1klad\u011b d\u00e9lky spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e.<\/p>\n\n\n\n<p><strong>V Batumi<\/strong> Zna\u010dn\u00e1 \u010d\u00e1st nab\u00eddky nov\u00fdch byt\u016f se t\u00fdk\u00e1 rekrea\u010dn\u00edch a investi\u010dn\u00edch projekt\u016f. P\u0159i srovn\u00e1v\u00e1n\u00ed projekt\u016f je obzvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9 zohlednit dobu v\u00fdstavby, \u00farove\u0148 dokon\u010dovac\u00edho zpracov\u00e1n\u00ed, n\u00e1klady po p\u0159evzet\u00ed bytu a tak\u00e9 to, zda je objekt ur\u010den k trval\u00e9mu bydlen\u00ed, nebo p\u0159ev\u00e1\u017en\u011b k pron\u00e1jmu.<\/p>\n\n\n\n<p><strong>V Tbilisi<\/strong> P\u0159i v\u00fdb\u011bru je t\u0159eba br\u00e1t v \u00favahu p\u0159edev\u0161\u00edm lokalitu, dopravn\u00ed dostupnost, \u00fa\u010del bytu a vlastnosti konkr\u00e9tn\u00edho bytov\u00e9ho komplexu. Cena a podm\u00ednky spl\u00e1cen\u00ed se mohou mezi jednotliv\u00fdmi lokalitami a projekty v\u00fdrazn\u011b li\u0161it.<\/p>\n\n\n\n<p>V obou p\u0159\u00edpadech porovn\u00e1vejte nejen v\u00fd\u0161i prvn\u00ed spl\u00e1tky a po\u010det m\u011bs\u00edc\u016f, ale tak\u00e9:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>celkovou cenu bytu p\u0159i spl\u00e1tkov\u00e9m \u00fav\u011bru;<\/li>\n\n\n\n<li>cenu t\u00e9ho\u017e objektu p\u0159i platb\u011b 100%;<\/li>\n\n\n\n<li>f\u00e1zi v\u00fdstavby;<\/li>\n\n\n\n<li>term\u00edn p\u0159ed\u00e1n\u00ed;<\/li>\n\n\n\n<li>stav bytu p\u0159i p\u0159ed\u00e1n\u00ed;<\/li>\n\n\n\n<li>podm\u00ednky p\u0159ed\u010dasn\u00e9ho splacen\u00ed;<\/li>\n\n\n\n<li>mo\u017enost postoupen\u00ed;<\/li>\n\n\n\n<li>postup z\u00e1pisu pr\u00e1va.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Dlouh\u00e1 spl\u00e1tkov\u00e1 lh\u016fta sama o sob\u011b neznamen\u00e1, \u017ee je projekt v\u00fdhodn\u011bj\u0161\u00ed. Krat\u0161\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159 u vhodn\u00e9ho objektu m\u016f\u017ee b\u00fdt n\u011bkdy rozumn\u011bj\u0161\u00ed volbou ne\u017e dlouh\u00e1 spl\u00e1tkov\u00e1 lh\u016fta u projektu s m\u00e9n\u011b v\u00fdhodnou cenou, polohou nebo smluvn\u00edmi podm\u00ednkami.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Jak zjistit, jak\u00fd byt si m\u016f\u017eete koupit na spl\u00e1tky<\/h3>\n\n\n\n<p>K p\u0159edb\u011b\u017en\u00e9mu odhadu jsou pot\u0159eba \u010dty\u0159i \u010d\u00edsla:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u010d\u00e1stka, kterou jste ochotni zaplatit najednou;<\/li>\n\n\n\n<li>maxim\u00e1ln\u00ed pohodln\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka;<\/li>\n\n\n\n<li>obdob\u00ed, po kter\u00e9 jsou ochotni platit;<\/li>\n\n\n\n<li>rezerva, kter\u00e1 nebude pou\u017eita na n\u00e1kup.<\/li>\n<\/ol>\n\n\n\n<p>Zjednodu\u0161en\u00fd vzorec:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Dostupn\u00fd rozpo\u010det \u2248 po\u010d\u00e1te\u010dn\u00ed spl\u00e1tka + sou\u010det pravideln\u00fdch spl\u00e1tek + pl\u00e1novan\u00e1 z\u00e1v\u011bre\u010dn\u00e1 spl\u00e1tka.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>Nap\u0159\u00edklad pokud je kupuj\u00edc\u00ed ochoten zaplatit $25 000 ihned a po dobu dvou let spl\u00e1cet a\u017e $2 000 m\u011bs\u00ed\u010dn\u011b, celkov\u00e1 \u010d\u00e1stka pravideln\u00fdch spl\u00e1tek dos\u00e1hne a\u017e $48 000. Bez zapo\u010d\u00edt\u00e1n\u00ed z\u00e1v\u011bre\u010dn\u00e9 spl\u00e1tky \u010din\u00ed p\u0159edb\u011b\u017en\u00fd rozpo\u010det transakce p\u0159ibli\u017en\u011b $73 000.<\/p>\n\n\n\n<p>Ale to je\u0161t\u011b nen\u00ed v\u0161echno <strong>neznamen\u00e1<\/strong>, \u017ee jak\u00fdkoli byt v cen\u011b $73 000 bude dostupn\u00fd: konkr\u00e9tn\u00ed developer m\u016f\u017ee po\u017eadovat jinou v\u00fd\u0161i po\u010d\u00e1te\u010dn\u00ed spl\u00e1tky, stanovit krat\u0161\u00ed lh\u016ftu nebo p\u0159edv\u00eddat v\u011bt\u0161\u00ed platbu v ur\u010dit\u00e9 f\u00e1zi v\u00fdstavby.<\/p>\n\n\n\n<p>Spr\u00e1vn\u00fd postup je tedy n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<p><strong>Po\u010d\u00e1te\u010dn\u00ed kapit\u00e1l \u2192 p\u0159ijateln\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka \u2192 doba spl\u00e1cen\u00ed \u2192 dostupn\u00fd rozpo\u010det \u2192 projekty s vhodn\u00fdm harmonogramem \u2192 kontrola smlouvy.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Nechcete ru\u010dn\u011b po\u010d\u00edtat des\u00edtky graf\u016f?<\/strong> Uve\u010fte sv\u016fj rozpo\u010det, v\u00fd\u0161i prvn\u00ed spl\u00e1tky a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, kter\u00e1 v\u00e1m vyhovuje \u2013 vybereme pro v\u00e1s projekty v Gruzii, jejich\u017e podm\u00ednky t\u011bmto parametr\u016fm odpov\u00eddaj\u00ed.<br><br><a href=\"\/cs\/quiz\/\" target=\"_blank\">Naj\u00edt byt, kter\u00fd odpov\u00edd\u00e1 m\u00e9mu rozpo\u010dtu<\/a><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159\u00edklad v\u00fdpo\u010dtu spl\u00e1tek<\/h2>\n\n\n\n<p>N\u00ed\u017ee je uveden orienta\u010dn\u00ed ilustrativn\u00ed p\u0159\u00edklad. V\u0161echny \u00fadaje jsou smy\u0161len\u00e9 a nejde o n\u00e1vrh konkr\u00e9tn\u00edho projektu.<\/p>\n\n\n\n<p>P\u0159edpokl\u00e1dejme, \u017ee cena bytu je \u2014 <strong>$100 000<\/strong>. Prvn\u00ed spl\u00e1tka \u2014 <strong>20% = $20 000<\/strong>. Zbytek \u2014 <strong>$80 000<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16927\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Sc\u00e9n\u00e1\u0159 A \u2013 rovnom\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/h3>\n\n\n\n<p>Z\u016fstatek $80 000 se rozd\u011bl\u00ed na 24 stejn\u00fdch \u010d\u00e1st\u00ed: <strong>$3 333 za m\u011bs\u00edc<\/strong>. Z\u00e1t\u011b\u017e je rovnom\u011brn\u011b rozlo\u017eena, nedoch\u00e1z\u00ed k \u017e\u00e1dn\u00e9 z\u00e1v\u011bre\u010dn\u00e9 velk\u00e9 platb\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sc\u00e9n\u00e1\u0159 B \u2013 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky plus z\u00e1v\u011bre\u010dn\u00e1 spl\u00e1tka<\/h3>\n\n\n\n<p>Kupuj\u00edc\u00ed vkl\u00e1d\u00e1 ka\u017ed\u00fd m\u011bs\u00edc $2 000 po dobu 24 m\u011bs\u00edc\u016f (celkem $48 000), a z\u016fstatek <strong>$32 000 se vypl\u00e1c\u00ed jednor\u00e1zov\u011b<\/strong> p\u0159i p\u0159ed\u00e1n\u00ed domu. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky jsou ni\u017e\u0161\u00ed, ale je t\u0159eba si p\u0159edem napl\u00e1novat z\u00e1v\u011bre\u010dnou platbu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sc\u00e9n\u00e1\u0159 C \u2013 vy\u0161\u0161\u00ed po\u010d\u00e1te\u010dn\u00ed vklad<\/h3>\n\n\n\n<p>Prvn\u00ed spl\u00e1tka \u010din\u00ed 40% ($40 000), zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stka $60 000 se rozlo\u017e\u00ed na 18 m\u011bs\u00edc\u016f: $3 333 m\u011bs\u00ed\u010dn\u011b. Krat\u0161\u00ed doba spl\u00e1cen\u00ed, ale vy\u0161\u0161\u00ed vstupn\u00ed prahov\u00e1 hodnota. Jedn\u00e1 se o hypotetick\u00fd p\u0159\u00edklad; aktu\u00e1ln\u00ed podm\u00ednky spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e pro konkr\u00e9tn\u00ed projekt si m\u016f\u017eete ov\u011b\u0159it u specialist\u016f spole\u010dnosti The Residence.<\/p>\n\n\n\n<p><strong>Tabulka 2. P\u0159\u00edklad spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e (orienta\u010dn\u00ed)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Sc\u00e9n\u00e1\u0159<\/th><th>Prvn\u00ed \u010d\u00e1st<\/th><th>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/th><th>Z\u00e1v\u011bre\u010dn\u00e1 platba<\/th><th>Co je t\u0159eba zv\u00e1\u017eit<\/th><\/tr><\/thead><tbody><tr><td>A \u2014 rovnom\u011brn\u011b<\/td><td>$20 000 (20%)<\/td><td>$3 333 \u00d7 24 m\u011bs\u00edc\u016f<\/td><td>Ne<\/td><td>P\u0159edv\u00eddateln\u00e9 zat\u00ed\u017een\u00ed<\/td><\/tr><tr><td>B \u2014 s koncov\u00fdm<\/td><td>$20 000 (20%)<\/td><td>$2 000 \u00d7 24 m\u011bs\u00edc\u016f<\/td><td>$32 000<\/td><td>Je pot\u0159eba rezerva na p\u0159ed\u00e1n\u00ed domu<\/td><\/tr><tr><td>C \u2014 vysok\u00fd p\u0159\u00edsp\u011bvek<\/td><td>$40 000 (40%)<\/td><td>$3 333 \u00d7 18 m\u011bs\u00edc\u016f<\/td><td>Ne<\/td><td>\u010c\u00edm vy\u0161\u0161\u00ed je vstupn\u00ed pr\u00e1h, t\u00edm krat\u0161\u00ed je doba trv\u00e1n\u00ed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>V\u0161echny \u00fadaje jsou pouze ilustrativn\u00ed p\u0159\u00edklad, nejedn\u00e1 se o podm\u00ednky skute\u010dn\u00e9ho projektu.<\/em><\/p>\n\n\n\n<p>P\u0159i srovn\u00e1v\u00e1n\u00ed dvou konkr\u00e9tn\u00edch program\u016f se nelze zam\u011b\u0159ovat pouze na v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Sc\u00e9n\u00e1\u0159 B se na prvn\u00ed pohled jev\u00ed jako levn\u011bj\u0161\u00ed z hlediska m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, ale vy\u017eaduje jednor\u00e1zov\u00fd vklad zna\u010dn\u00fdch prost\u0159edk\u016f. Spr\u00e1vn\u00fd zp\u016fsob srovn\u00e1n\u00ed spo\u010d\u00edv\u00e1 v posouzen\u00ed <strong>celkovou \u010d\u00e1stku v\u00fdplat a rozlo\u017een\u00ed z\u00e1t\u011b\u017ee v \u010dase<\/strong>, v\u010detn\u011b z\u00e1v\u011bre\u010dn\u00e9 platby a ve\u0161ker\u00fdch dal\u0161\u00edch v\u00fddaj\u016f.<\/p>\n\n\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy se kupuj\u00edc\u00ed st\u00e1v\u00e1 vlastn\u00edkem<\/h2>\n\n\n\n<p>Tato ot\u00e1zka pat\u0159\u00ed k nejd\u016fle\u017eit\u011bj\u0161\u00edm a z\u00e1rove\u0148 k t\u011bm, kter\u00e9 nejsou ve v\u011bt\u0161in\u011b materi\u00e1l\u016f o spl\u00e1tkov\u00e9m prodeji dostate\u010dn\u011b jasn\u011b vysv\u011btleny.<\/p>\n\n\n\n<p>Vlastnick\u00e9 pr\u00e1vo k nemovitosti vznik\u00e1 po z\u00e1pisu p\u0159\u00edslu\u0161n\u00e9ho pr\u00e1va do <strong><a href=\"https:\/\/napr.gov.ge\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"nofollow noopener\">Ve\u0159ejn\u00e9m registru Gruzie (NAPR)<\/a><\/strong>. Samotn\u00e9 podeps\u00e1n\u00ed smlouvy je\u0161t\u011b neznamen\u00e1 automatick\u00e9 vzniknut\u00ed zapsan\u00e9ho vlastnick\u00e9ho pr\u00e1va. Kdy strany podaj\u00ed dokumenty k takov\u00e9 registraci \u2013 ihned po uzav\u0159en\u00ed transakce, po proveden\u00ed ur\u010dit\u00fdch plateb nebo v jin\u00e9 f\u00e1zi stanoven\u00e9 smlouvou \u2013 z\u00e1vis\u00ed na pr\u00e1vn\u00ed struktu\u0159e konkr\u00e9tn\u00ed transakce.<\/p>\n\n\n\n<p>Podm\u00ednky registrace p\u0159i koupi novostavby na spl\u00e1tky z\u00e1vis\u00ed na n\u011bkolika faktorech sou\u010dasn\u011b: na stupni dokon\u010den\u00ed objektu, pr\u00e1vn\u00edm statusu nemovitosti v okam\u017eiku podpisu smlouvy a struktu\u0159e samotn\u00e9 transakce. Pr\u00e1v\u011b proto nem\u00e1 smysl kl\u00e1st ot\u00e1zku \u201ekdy doch\u00e1z\u00ed k p\u0159evodu vlastnictv\u00ed\u201c abstraktn\u011b \u2013 odpov\u011b\u010f je v\u017edy konkr\u00e9tn\u00ed.<\/p>\n\n\n\n<p>Co by si m\u011bl kupuj\u00edc\u00ed ov\u011b\u0159it p\u0159ed podpisem:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Kdo je zaps\u00e1n jako vlastn\u00edk pozemku a stavby ve v\u00fdstavb\u011b<\/strong> \u2014 ov\u011b\u0159uje se na z\u00e1klad\u011b \u00fadaj\u016f z ve\u0159ejn\u00e9ho rejst\u0159\u00edku.<\/li>\n\n\n\n<li><strong>Co p\u0159esn\u011b kupuj\u00edc\u00ed na z\u00e1klad\u011b smlouvy z\u00edsk\u00e1v\u00e1<\/strong> \u2014 hotov\u00fd byt, pohled\u00e1vku \u010di jin\u00e9.<\/li>\n\n\n\n<li><strong>Jak\u00e1 pr\u00e1va, povinnosti nebo omezen\u00ed vypl\u00fdvaj\u00edc\u00ed z konkr\u00e9tn\u00edho pr\u00e1vn\u00edho \u00fakonu lze zapsat do ve\u0159ejn\u00e9ho rejst\u0159\u00edku<\/strong> a\u017e do kone\u010dn\u00e9ho vy\u00fa\u010dtov\u00e1n\u00ed.<\/li>\n\n\n\n<li><strong>Pokud smlouva stanov\u00ed p\u0159edlo\u017een\u00ed dokument\u016f k z\u00e1pisu vlastnick\u00e9ho pr\u00e1va<\/strong> na kupuj\u00edc\u00edho.<\/li>\n\n\n\n<li><strong>Jak\u00e9 podm\u00ednky je t\u0159eba k tomu splnit?<\/strong> \u2014 \u00fapln\u00e9 zaplacen\u00ed a p\u0159ed\u00e1n\u00ed domu do u\u017e\u00edv\u00e1n\u00ed, ob\u011b podm\u00ednky sou\u010dasn\u011b.<\/li>\n<\/ol>\n\n\n\n<p>N\u00e1rodn\u00ed agentura ve\u0159ejn\u00e9ho rejst\u0159\u00edku Gruzie (NAPR) zve\u0159ej\u0148uje ofici\u00e1ln\u00ed vzory smluv, mimo jin\u00e9 <strong>smlouva o koupi a prodeji nemovitosti s platbami ve spl\u00e1tk\u00e1ch<\/strong> (Kupn\u00ed smlouva o nemovit\u00e9m majetku s platbou ve spl\u00e1tk\u00e1ch), jako\u017e i smlouva zahrnuj\u00edc\u00ed sou\u010dasn\u011b hypot\u00e9ku a spl\u00e1tkov\u00fd kalend\u00e1\u0159. To potvrzuje, \u017ee podobn\u00e9 transakce maj\u00ed ust\u00e1lenou pr\u00e1vn\u00ed formu. Sezn\u00e1mit se s nimi lze na ofici\u00e1ln\u00edch str\u00e1nk\u00e1ch NAPR v sekci <strong>\u201eVzory dokument\u016f\u201c<\/strong>.<br><a href=\"https:\/\/napr.gov.ge\/en\/page\/sample-documents\" target=\"_blank\" rel=\"nofollow noopener\">Vzory dokument\u016f NAPR<\/a><\/p>\n\n\n\n<p>Registrace pr\u00e1v k nemovitostem v NAPR je placen\u00e1 slu\u017eba. Podle cen\u00edku NAPR platn\u00e9ho v srpnu 2026 \u010din\u00ed poplatky: standardn\u00ed registrace (4 pracovn\u00ed dny) \u2013 150 GEL, zrychlen\u00e1 registrace (1 pracovn\u00ed den) \u2013 270 GEL, registrace v den pod\u00e1n\u00ed \u017e\u00e1dosti \u2013 350 GEL. P\u0159ed uzav\u0159en\u00edm transakce je t\u0159eba aktu\u00e1ln\u00ed lh\u016fty a n\u00e1klady na registraci znovu ov\u011b\u0159it na ofici\u00e1ln\u00edch str\u00e1nk\u00e1ch NAPR v sekci <strong>\u201eTerm\u00edny a cena slu\u017eeb\u201c<\/strong>.<br><a href=\"https:\/\/napr.gov.ge\/en\/page\/fees-and-terms\/immovable-property-registration-fee\" target=\"_blank\" rel=\"nofollow noopener\">Lh\u016fty a n\u00e1klady na registraci nemovitosti v NAPR<\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Nejd\u016fle\u017eit\u011bj\u0161\u00ed ot\u00e1zkou p\u0159i spl\u00e1tkov\u00e9m prodeji nen\u00ed jen \u201ekolik se m\u00e1 platit m\u011bs\u00ed\u010dn\u011b\u201c, ale \u201ejak\u00e1 pr\u00e1va kupuj\u00edc\u00ed z\u00edsk\u00e1 po podpisu smlouvy a co bude zaps\u00e1no ve ve\u0159ejn\u00e9m rejst\u0159\u00edku do \u00fapln\u00e9ho splacen\u00ed\u201c.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Co by m\u011bla smlouva obsahovat<\/h2>\n\n\n\n<p>Smlouva je jedn\u00edm z kl\u00ed\u010dov\u00fdch dokument\u016f transakce, je v\u0161ak nutn\u00e9 ji posuzovat spole\u010dn\u011b s \u00fadaji z ve\u0159ejn\u00e9ho rejst\u0159\u00edku a pr\u00e1vn\u00edm statusem p\u0159edm\u011btu transakce. Kl\u00ed\u010dov\u00e9 podm\u00ednky transakce a p\u0159\u00edsliby, s nimi\u017e kupuj\u00edc\u00ed po\u010d\u00edt\u00e1, je nutn\u00e9 v\u00fdslovn\u011b zakotvit ve smlouv\u011b a v jej\u00edch p\u0159\u00edloh\u00e1ch.<\/p>\n\n\n\n<p>N\u00ed\u017ee je uveden seznam podm\u00ednek, kter\u00e9 je vhodn\u00e9 zkontrolovat a zakotvit ve smlouv\u011b. Ne v\u0161echny body jsou pr\u00e1vn\u00edmi p\u0159edpisy upraveny stejn\u00fdm zp\u016fsobem, av\u0161ak za\u0159azen\u00ed ka\u017ed\u00e9ho z nich sni\u017euje riziko spor\u016f:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16928\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>P\u0159esn\u00fd popis objektu<\/strong> \u2014 adresa, \u010d\u00edslo bytu, patro, budova.<\/li>\n\n\n\n<li><strong>Oblast<\/strong> \u2014 celkov\u00e1 a obytn\u00e1 plocha, postup v p\u0159\u00edpad\u011b odchylky skute\u010dn\u00e9 plochy.<\/li>\n\n\n\n<li><strong>V\u00fdbava a povrchov\u00e1 \u00faprava<\/strong> \u2014 co je zahrnuto v cen\u011b a co ne.<\/li>\n\n\n\n<li><strong>Celkov\u00e1 cena<\/strong> \u2014 celkov\u00e1 \u010d\u00e1stka, kterou se kupuj\u00edc\u00ed zavazuje zaplatit.<\/li>\n\n\n\n<li><strong>M\u011bna smlouvy<\/strong> \u2014 v \u010dem je cena stanovena a v \u010dem se prov\u00e1d\u00ed samotn\u00e1 platba.<\/li>\n\n\n\n<li><strong>V\u00fd\u0161e a term\u00edn prvn\u00ed spl\u00e1tky<\/strong> \u2014 datum a zp\u016fsob vkladu.<\/li>\n\n\n\n<li><strong>Platebn\u00ed kalend\u00e1\u0159<\/strong> \u2014 konkr\u00e9tn\u00ed data a \u010d\u00e1stky jednotliv\u00fdch plateb.<\/li>\n\n\n\n<li><strong>P\u0159ij\u00edman\u00e9 zp\u016fsoby platby<\/strong> \u2014 bankovn\u00ed p\u0159evod, hotovost, jin\u00e9.<\/li>\n\n\n\n<li><strong>Postup p\u0159ed\u010dasn\u00e9ho splacen\u00ed<\/strong> \u2014 je to mo\u017en\u00e9, m\u00e1 to vliv na cenu nebo slevu?<\/li>\n\n\n\n<li><strong>Pokuty a \u00faroky z prodlen\u00ed<\/strong> \u2014 v\u00fd\u0161e, zp\u016fsob v\u00fdpo\u010dtu, bez\u00faro\u010dn\u00e9 obdob\u00ed.<\/li>\n\n\n\n<li><strong>Term\u00edn p\u0159ed\u00e1n\u00ed objektu<\/strong> \u2014 konkr\u00e9tn\u00ed datum nebo obdob\u00ed.<\/li>\n\n\n\n<li><strong>D\u016fsledky zpo\u017ed\u011bn\u00ed v\u00fdstavby<\/strong> \u2014 co se stane, pokud se d\u016fm pronajme pozd\u011bji.<\/li>\n\n\n\n<li><strong>D\u016fvody pro zru\u0161en\u00ed smlouvy<\/strong> \u2014 z podn\u011btu kter\u00e9koli ze stran.<\/li>\n\n\n\n<li><strong>Postup p\u0159i vr\u00e1cen\u00ed pen\u011bz<\/strong> \u2014 v jak\u00fdch lh\u016ft\u00e1ch, v jak\u00e9m rozsahu a za jak\u00fdch podm\u00ednek.<\/li>\n\n\n\n<li><strong>D\u016fsledky prodlen\u00ed ze strany kupuj\u00edc\u00edho<\/strong> \u2014 kdy vznik\u00e1 developerovi pr\u00e1vo na odstoupen\u00ed od smlouvy.<\/li>\n\n\n\n<li><strong>Mo\u017enost zm\u011bny harmonogramu<\/strong> \u2014 a\u0165 u\u017e na z\u00e1klad\u011b dohody stran, nebo ne.<\/li>\n\n\n\n<li><strong>Postoupen\u00ed pr\u00e1v<\/strong> \u2014 m\u016f\u017ee kupuj\u00edc\u00ed prodat byt p\u0159ed \u00fapln\u00fdm splacen\u00edm?<\/li>\n\n\n\n<li><strong>Okam\u017eik p\u0159ed\u00e1n\u00ed p\u0159edm\u011btu kupuj\u00edc\u00edmu<\/strong> \u2014 p\u0159ed\u00e1vac\u00ed protokol, lh\u016fty.<\/li>\n\n\n\n<li><strong>Okam\u017eik pod\u00e1n\u00ed dokument\u016f k z\u00e1pisu vlastnick\u00e9ho pr\u00e1va<\/strong> \u2014 podm\u00ednky a postup.<\/li>\n\n\n\n<li><strong>\u0158e\u0161en\u00ed spor\u016f<\/strong> \u2014 jurisdikce, zp\u016fsob urovn\u00e1n\u00ed.<\/li>\n<\/ol>\n\n\n\n<p>P\u0159ed podpisem se tak\u00e9 vyplat\u00ed sezn\u00e1mit se s materi\u00e1lem o tom, \u201e<a href=\"\/cs\/all\/how-to-check-real-estate-in-georgia\/\" target=\"_blank\">Jak prov\u011b\u0159it nemovitost v Gruzii p\u0159ed koup\u00ed<\/a>&#171;.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Co se stane v p\u0159\u00edpad\u011b prodlen\u00ed<\/h2>\n\n\n\n<p>Situace, kdy kupuj\u00edc\u00ed neprovede platbu v\u010das, se v praxi vyskytuje. \u017divotn\u00ed okolnosti se m\u011bn\u00ed a je d\u016fle\u017eit\u00e9 si uv\u011bdomit d\u016fsledky p\u0159edem \u2013 je\u0161t\u011b p\u0159ed podpisem smlouvy, a ne a\u017e po prvn\u00edm zpo\u017ed\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>Konkr\u00e9tn\u00ed d\u016fsledky prodlen\u00ed jsou do zna\u010dn\u00e9 m\u00edry ur\u010deny smlouvou, av\u0161ak smlouva se uplat\u0148uje s p\u0159ihl\u00e9dnut\u00edm k gruz\u00ednsk\u00e9mu pr\u00e1vu.<\/strong> Proto je p\u0159ed podpisem nutn\u00e9 zkontrolovat nejen v\u00fd\u0161i smluvn\u00ed pokuty a d\u016fvody pro zru\u0161en\u00ed smlouvy, ale tak\u00e9 p\u0159\u00edpustnost p\u0159\u00edslu\u0161n\u00fdch podm\u00ednek v r\u00e1mci platn\u00fdch pr\u00e1vn\u00edch p\u0159edpis\u016f. \u017d\u00e1dn\u00e1 smluvn\u00ed podm\u00ednka neplat\u00ed zcela mimo r\u00e1mec z\u00e1kona.<\/p>\n\n\n\n<p>Mo\u017en\u00e9 varianty n\u00e1sledk\u016f, jsou-li stanoveny ve smlouv\u011b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00da\u010dtov\u00e1n\u00ed <strong>pokuty nebo pen\u00e1le<\/strong> za ka\u017ed\u00fd den prodlen\u00ed.<\/li>\n\n\n\n<li><strong>Odkladn\u00e1 lh\u016fta<\/strong> \u2014 n\u011bkolik dn\u00ed, b\u011bhem nich\u017e se sankce neuplat\u0148uj\u00ed.<\/li>\n\n\n\n<li>Po\u017eadavek <strong>splatit dluh<\/strong> po ur\u010ditou dobu.<\/li>\n\n\n\n<li><strong>Zru\u0161en\u00ed smlouvy<\/strong> v p\u0159\u00edpad\u011b dlouhodob\u00e9ho nebo opakovan\u00e9ho prodlen\u00ed.<\/li>\n\n\n\n<li>Je-li to stanoveno ve smlouv\u011b a je-li to p\u0159\u00edpustn\u00e9 podle platn\u00fdch pr\u00e1vn\u00edch p\u0159edpis\u016f \u2014 <strong>sr\u00e1\u017eka dohodnut\u00fdch \u010d\u00e1stek<\/strong> nebo jin\u00fd zp\u016fsob vypo\u0159\u00e1d\u00e1n\u00ed p\u0159i ukon\u010den\u00ed smlouvy.<\/li>\n\n\n\n<li><strong>\u00daprava harmonogramu<\/strong> na z\u00e1klad\u011b vz\u00e1jemn\u00e9 dohody stran \u2013 pokud je k tomu developer p\u0159ipraven.<\/li>\n<\/ul>\n\n\n\n<p>Praktick\u00fd \u00fakol kupuj\u00edc\u00edho \u2014 <strong>vyjasnit si v\u0161echny tyto sc\u00e9n\u00e1\u0159e p\u0159edem<\/strong>, dokud je vyjedn\u00e1vac\u00ed pozice siln\u00e1.<\/p>\n\n\n\n<p><strong>Na co se zeptat developera p\u0159ed podpisem smlouvy:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Co se stane, kdy\u017e se platba zpozd\u00ed o 5 dn\u00ed? A o 30 dn\u00ed?<\/li>\n\n\n\n<li>Existuje n\u011bjak\u00e1 lh\u016fta, b\u011bhem n\u00ed\u017e se ne\u00fa\u010dtuj\u00ed pokuty?<\/li>\n\n\n\n<li>Je mo\u017en\u00e9 odlo\u017eit term\u00edn platby, pokud to p\u0159edem ozn\u00e1m\u00edm?<\/li>\n\n\n\n<li>Je mo\u017en\u00e9 do\u010dasn\u011b sn\u00ed\u017eit v\u00fd\u0161i spl\u00e1tky?<\/li>\n\n\n\n<li>Vrac\u00ed se prvn\u00ed spl\u00e1tka v p\u0159\u00edpad\u011b zru\u0161en\u00ed smlouvy?<\/li>\n\n\n\n<li>Jak se vypo\u010d\u00edt\u00e1v\u00e1 v\u00fd\u0161e vr\u00e1cen\u00e9 \u010d\u00e1stky?<\/li>\n\n\n\n<li>V jak\u00e9 lh\u016ft\u011b se vypl\u00e1cej\u00ed pen\u00edze p\u0159i ukon\u010den\u00ed smlouvy?<\/li>\n<\/ul>\n\n\n\n<p>Odpov\u011bdi na tyto ot\u00e1zky mus\u00ed b\u00fdt uvedeny ve smlouv\u011b. Pokud developer nedok\u00e1\u017ee odpov\u011bd\u011bt nebo se vyh\u00fdb\u00e1 odpov\u011bdi, je to varovn\u00fd sign\u00e1l.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Spl\u00e1tky, hypot\u00e9ka nebo platba v pln\u00e9 v\u00fd\u0161i<\/h2>\n\n\n\n<p>Tyto t\u0159i n\u00e1stroje slou\u017e\u00ed k \u0159e\u0161en\u00ed r\u016fzn\u00fdch \u00fakol\u016f a jsou vhodn\u00e9 pro r\u016fzn\u00e9 skupiny z\u00e1kazn\u00edk\u016f. \u017d\u00e1dn\u00fd z nich nen\u00ed univerz\u00e1ln\u011b nejlep\u0161\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16929\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tabulka 3. Spl\u00e1tky vs. hypot\u00e9ka vs. platba v pln\u00e9 v\u00fd\u0161i<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Krit\u00e9rium<\/th><th>Spl\u00e1tky<\/th><th>Hypot\u00e9ka<\/th><th>100% platba<\/th><\/tr><\/thead><tbody><tr><td>Kdo to financuje<\/td><td>Developer nemovitost\u00ed<\/td><td>Banka<\/td><td>Samotn\u00fd kupuj\u00edc\u00ed<\/td><\/tr><tr><td>Ov\u011b\u0159en\u00ed p\u0159\u00edjmu<\/td><td>Z\u00e1le\u017e\u00ed na smlouv\u011b<\/td><td>Posouzen\u00ed p\u0159\u00edjm\u016f a platebn\u00ed schopnosti prov\u00e1d\u00ed banka v souladu s po\u017eadavky NBG<\/td><td>Nen\u00ed nutn\u00e9<\/td><\/tr><tr><td>Term\u00edn<\/td><td>Je stanoveno v programu a ve smlouv\u011b<\/td><td>V\u00edclet\u00fd<\/td><td>Jednor\u00e1zov\u00e1 platba<\/td><\/tr><tr><td>\u00daroky<\/td><td>Z\u00e1le\u017e\u00ed na smlouv\u011b a cenov\u00e9m rozd\u00edlu<\/td><td>Bankovn\u00ed sazba<\/td><td>Ne<\/td><\/tr><tr><td>Po\u010d\u00e1te\u010dn\u00ed kapit\u00e1l<\/td><td>\u010c\u00e1st ceny<\/td><td>\u010c\u00e1st ceny + n\u00e1klady na \u00fav\u011br<\/td><td>Celkov\u00e1 \u010d\u00e1stka<\/td><\/tr><tr><td>Flexibilita rozvrhu<\/td><td>Z\u00e1le\u017e\u00ed na smlouv\u011b<\/td><td>Standardizov\u00e1no bankou<\/td><td>Neplat\u00ed<\/td><\/tr><tr><td>Riziko zm\u011bny podm\u00ednek<\/td><td>Smluvn\u00ed<\/td><td>Bankovn\u00ed + smluvn\u00ed<\/td><td>Neexistuje \u017e\u00e1dn\u00e9 riziko spojen\u00e9 s budouc\u00edm spl\u00e1tkov\u00fdm kalend\u00e1\u0159em; stavebn\u00ed, smluvn\u00ed a pr\u00e1vn\u00ed rizika v\u0161ak p\u0159etrv\u00e1vaj\u00ed<\/td><\/tr><tr><td>Mo\u017en\u00e1 sleva<\/td><td>Sleva za platbu v pln\u00e9 v\u00fd\u0161i nemus\u00ed b\u00fdt poskytnuta<\/td><td>Sleva za platbu v pln\u00e9 v\u00fd\u0161i nemus\u00ed b\u00fdt poskytnuta<\/td><td>P\u0159i \u00fahrad\u011b cel\u00e9 \u010d\u00e1stky m\u016f\u017ee developer nab\u00eddnout slevu; jej\u00ed dostupnost a v\u00fd\u0161e z\u00e1vis\u00ed na konkr\u00e9tn\u00edm projektu<\/td><\/tr><tr><td>Vhodn\u00e9 pro koho<\/td><td>\u010c\u00e1st \u010d\u00e1stky m\u00e1m te\u010f, zbytek zaplat\u00edm pozd\u011bji<\/td><td>Je zapot\u0159eb\u00ed dlouhodob\u00e9 financov\u00e1n\u00ed<\/td><td>Je k dispozici cel\u00e1 \u010d\u00e1stka<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Bankovn\u00ed \u00fav\u011bry pro fyzick\u00e9 osoby v Gruzii reguluje N\u00e1rodn\u00ed banka, a to i pokud jde o posuzov\u00e1n\u00ed platebn\u00ed schopnosti dlu\u017en\u00edka. V\u00edce informac\u00ed o dohledov\u00e9 politice najdete na webov\u00fdch str\u00e1nk\u00e1ch <a href=\"https:\/\/nbg.gov.ge\/en\/page\/supervisory-policy-refor-1\" target=\"_blank\" rel=\"nofollow noopener\">N\u00e1rodn\u00ed banka Gruzie<\/a>. Po\u017eadavky regula\u010dn\u00edho org\u00e1nu se vztahuj\u00ed na banky a nevztahuj\u00ed se automaticky na komer\u010dn\u00ed spl\u00e1tkov\u00fd pl\u00e1n developera.<\/p>\n\n\n\n<p>Spr\u00e1vn\u00fd z\u00e1v\u011br na z\u00e1klad\u011b srovn\u00e1n\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spl\u00e1tky<\/strong> m\u016f\u017ee b\u00fdt vhodn\u00e1 pro kupuj\u00edc\u00edho, kter\u00fd m\u00e1 v sou\u010dasn\u00e9 dob\u011b k dispozici \u010d\u00e1st kupn\u00ed ceny a je schopen splatit zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku ve lh\u016ft\u011b stanoven\u00e9 v programu, a to bez bankovn\u00edho \u00fav\u011bru.<\/li>\n\n\n\n<li><strong>Hypot\u00e9ka<\/strong> m\u016f\u017ee b\u00fdt v\u00fdhodn\u011bj\u0161\u00ed, pokud pot\u0159ebujete dlouhodob\u00e9 financov\u00e1n\u00ed \u2013 na n\u011bkolik let \u2013, ale vy\u017eaduje to vy\u0159\u00edzen\u00ed bankovn\u00edch formalit. V\u00edce informac\u00ed najdete v \u010dl\u00e1nku \u201e<a href=\"\/cs\/all\/mortgages-in-georgia-for-foreigners\/\" target=\"_blank\">Hypot\u00e9ka v Gruzii pro cizince<\/a>&#171;.<\/li>\n\n\n\n<li><strong>\u00dapln\u00e1 \u00fahrada<\/strong> m\u016f\u017ee kupuj\u00edc\u00edmu poskytnout lep\u0161\u00ed vyjedn\u00e1vac\u00ed pozici ohledn\u011b ceny, ale vy\u017eaduje uhrazen\u00ed cel\u00e9 \u010d\u00e1stky najednou.<\/li>\n<\/ul>\n\n\n\n<p><strong>Co si vybrat v r\u016fzn\u00fdch situac\u00edch<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Situace<\/th><th>Co je t\u0159eba zv\u00e1\u017eit v prvn\u00ed \u0159ad\u011b<\/th><\/tr><\/thead><tbody><tr><td>Je k dispozici vysok\u00e1 z\u00e1loha a mo\u017enost doplatit zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku v pr\u016fb\u011bhu v\u00fdstavby<\/td><td>Spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/td><\/tr><tr><td>Je zapot\u0159eb\u00ed financov\u00e1n\u00ed na mnoho let<\/td><td>Hypot\u00e9ku<\/td><\/tr><tr><td>Cel\u00e1 \u010d\u00e1stka ji\u017e je k dispozici<\/td><td>Porovnat platbu v pln\u00e9 v\u00fd\u0161i a spl\u00e1tky podle celkov\u00e9 ceny<\/td><\/tr><tr><td>P\u0159\u00edjem v jin\u00e9 m\u011bn\u011b<\/td><td>Samostatn\u011b posoudit m\u011bnov\u00e9 riziko obou variant<\/td><\/tr><tr><td>Pl\u00e1novan\u00fd byt ve v\u00fdstavb\u011b<\/td><td>Porovnat rizika projektu a pr\u00e1vn\u00ed strukturu transakce<\/td><\/tr><tr><td>Hled\u00e1m hotov\u00fd byt k okam\u017eit\u00e9mu nast\u011bhov\u00e1n\u00ed<\/td><td>Porovnat hotov\u00e9 nemovitosti, hypot\u00e9ky a dostupn\u00e9 spl\u00e1tkov\u00e9 programy<\/td><\/tr><tr><td>N\u00e1kup se uskute\u010d\u0148uje na d\u00e1lku<\/td><td>D\u00e1le zkontrolovat postup podpisu, plnou moc a bankovn\u00ed p\u0159evod<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Rozhodnut\u00ed by se nem\u011blo p\u0159ij\u00edmat na z\u00e1klad\u011b principu \u201espl\u00e1tkov\u00fd \u00fav\u011br je lep\u0161\u00ed ne\u017e hypot\u00e9ka\u201c, ale s ohledem na dobu financov\u00e1n\u00ed, celkovou cenu, v\u00fd\u0161i dostupn\u00e9ho kapit\u00e1lu a rizika spojen\u00e1 s konkr\u00e9tn\u00ed nemovitost\u00ed.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Nev\u00edte, co si vybrat \u2013 spl\u00e1tkov\u00fd \u00fav\u011br nebo hypot\u00e9ku?<\/strong><\/p>\n\n\n\n<p>Nen\u00ed nutn\u00e9 se rozhodnout pro zp\u016fsob platby je\u0161t\u011b p\u0159ed v\u00fdb\u011brem bytu. Sd\u011blte n\u00e1m sv\u016fj rozpo\u010det, v\u00fd\u0161i dostupn\u00e9 z\u00e1lohy a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, kter\u00e1 v\u00e1m vyhovuje. Porovn\u00e1me projekty s mo\u017enost\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e a vhodn\u00e9 alternativy a p\u0159edlo\u017e\u00edme v\u00e1m kompletn\u00ed p\u0159ehled plateb.<\/p>\n\n\n\n<p><strong><a href=\"\/cs\/quiz\/\" target=\"_blank\">[Vyplnit kv\u00edz \u2013 4 ot\u00e1zky]<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Rizika n\u00e1kupu na spl\u00e1tky<\/h2>\n\n\n\n<p>Spl\u00e1tkov\u00fd pl\u00e1n od developera umo\u017e\u0148uje rozlo\u017eit platby v \u010dase, nen\u00ed v\u0161ak bez rizik. Je d\u016fle\u017eit\u00e9 tato rizika posuzovat komplexn\u011b \u2013 nikoli a\u017e po podpisu smlouvy, ale ji\u017e ve f\u00e1zi v\u00fdb\u011bru projektu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Stavebn\u00ed riziko<\/h3>\n\n\n\n<p>Zpo\u017ed\u011bn\u00ed p\u0159i p\u0159ed\u00e1n\u00ed domu je jedn\u00edm z v\u00fdznamn\u00fdch rizik p\u0159i koupi nemovitosti ve v\u00fdstavb\u011b. D\u016fm m\u016f\u017ee b\u00fdt p\u0159ed\u00e1n pozd\u011bji, ne\u017e bylo p\u016fvodn\u011b avizov\u00e1no, a m\u016f\u017ee doj\u00edt ke zm\u011bn\u00e1m v p\u016fdorysu nebo technick\u00fdch specifikac\u00edch. Smlouva mus\u00ed jasn\u011b stanovit, co se stane v p\u0159\u00edpad\u011b zpo\u017ed\u011bn\u00ed a jak\u00e1 pr\u00e1va to kupuj\u00edc\u00edmu d\u00e1v\u00e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Riziko developera<\/h3>\n\n\n\n<p>Finan\u010dn\u00ed situace developera, p\u0159ehled dokon\u010den\u00fdch projekt\u016f, existence pr\u00e1v k pozemku, absence z\u00e1stavn\u00edch pr\u00e1v na projekt \u2013 to v\u0161e je t\u0159eba ov\u011b\u0159it je\u0161t\u011b p\u0159ed prvn\u00ed platbou. Gruz\u00ednsk\u00fd trh p\u0159itahuje r\u016fzn\u00e9 hr\u00e1\u010de, mezi nimi\u017e jsou jak velk\u00e9 spole\u010dnosti s dlouholetou histori\u00ed, tak i m\u00e9n\u011b zku\u0161en\u00ed develope\u0159i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Smlouva o riziku<\/h3>\n\n\n\n<p>Nejasn\u00e1 formulace ve smlouv\u011b, nevyv\u00e1\u017een\u00e9 sankce ve prosp\u011bch developera, neur\u010dit\u00fd postup p\u0159i vr\u00e1cen\u00ed pen\u011bz \u2013 to v\u0161e m\u016f\u017ee zp\u016fsobit v\u00e1\u017en\u00e9 probl\u00e9my p\u0159i jak\u00e9koli odchylce od pl\u00e1nu. Podm\u00ednky mus\u00ed b\u00fdt konkr\u00e9tn\u00ed a srozumiteln\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u011bnov\u00e9 riziko<\/h3>\n\n\n\n<p>Ceny na gruz\u00ednsk\u00e9m trhu s nemovitostmi jsou \u010dasto uv\u00e1d\u011bny v americk\u00fdch dolarech, av\u0161ak m\u011bnu smlouvy, zp\u016fsob vypo\u0159\u00e1d\u00e1n\u00ed a m\u011bnu skute\u010dn\u00e9 platby je nutn\u00e9 u konkr\u00e9tn\u00ed transakce ov\u011b\u0159it. Pokud jsou p\u0159\u00edjmy kupuj\u00edc\u00edho a jeho z\u00e1vazky vyj\u00e1d\u0159eny v r\u016fzn\u00fdch m\u011bn\u00e1ch, m\u016f\u017ee zm\u011bna sm\u011bnn\u00e9ho kurzu v\u00fdrazn\u011b ovlivnit skute\u010dnou finan\u010dn\u00ed z\u00e1t\u011b\u017e. <strong>Kurz nelze p\u0159edpov\u011bd\u011bt, ale tento faktor je t\u0159eba zohlednit.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Riziko vlastn\u00edho rozpo\u010dtu<\/h3>\n\n\n\n<p>Prvn\u00ed spl\u00e1tka je jen za\u010d\u00e1tek. Kupuj\u00edc\u00ed by m\u011bl realisticky zv\u00e1\u017eit, zda bude schopen spl\u00e1cet po celou dobu trv\u00e1n\u00ed \u00fav\u011bru, a to s ohledem na opravy, vybaven\u00ed, z\u00e1pis vlastnick\u00fdch pr\u00e1v a dal\u0161\u00ed n\u00e1klady spojen\u00e9 s \u00fadr\u017ebou nemovitosti. <\/p>\n\n\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Jak prov\u011b\u0159it nemovitost a developera<\/h2>\n\n\n\n<p>Kontrola nen\u00ed pouhou formalitou, ale nezbytnou sou\u010d\u00e1st\u00ed n\u00e1kupu. Zejm\u00e9na v p\u0159\u00edpad\u011b spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e: kupuj\u00edc\u00ed se zavazuje v\u016f\u010di projektu a developerovi na celou dobu spl\u00e1cen\u00ed.<\/p>\n\n\n\n<p>Praktick\u00fd postup:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Z\u00edskat informace o pr\u00e1vnick\u00e9 osob\u011b developera<\/strong> \u2014 \u00fapln\u00fd n\u00e1zev, registra\u010dn\u00ed \u010d\u00edslo, historie \u010dinnosti.<\/li>\n\n\n\n<li><strong>Ov\u011b\u0159it vlastnick\u00e1 pr\u00e1va k pozemku<\/strong> \u2014 kdo je vlastn\u00edkem nebo n\u00e1jemcem, zda neexistuj\u00ed \u017e\u00e1dn\u00e1 b\u0159emena, omezen\u00ed \u010di z\u00e1stavy.<\/li>\n\n\n\n<li><strong>Ov\u011b\u0159it \u00fadaje z ve\u0159ejn\u00e9ho rejst\u0159\u00edku<\/strong> \u2014 zapsan\u00e1 pr\u00e1va, omezen\u00ed a b\u0159emena t\u00fdkaj\u00edc\u00ed se dan\u00e9ho objektu.<\/li>\n\n\n\n<li><strong>Prostudovat povolovac\u00ed dokumentaci<\/strong> \u2014 stavebn\u00ed povolen\u00ed, soulad projektu s p\u0159edpisy.<\/li>\n\n\n\n<li><strong>Prohl\u00e9dnout si dokon\u010den\u00e9 projekty developera<\/strong> \u2014 zda byly skute\u010dn\u011b odevzd\u00e1ny a v jak\u00fdch term\u00ednech.<\/li>\n\n\n\n<li><strong>Porovnat byt uveden\u00fd ve smlouv\u011b s projektovou dokumentac\u00ed<\/strong> \u2014 dispozice, plocha, patro.<\/li>\n\n\n\n<li><strong>Zkontrolovat smlouvu a p\u0159ilo\u017een\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/strong> \u2014 na dodr\u017eov\u00e1n\u00ed \u00fastn\u00edch dohod.<\/li>\n\n\n\n<li><strong>Zaznamenat specifikaci povrchov\u00e9 \u00fapravy<\/strong> \u2014 co p\u0159esn\u011b je zahrnuto v cen\u011b.<\/li>\n\n\n\n<li><strong>Ujistit se o transparentnosti term\u00edn\u016f p\u0159ed\u00e1n\u00ed<\/strong> \u2014 kdy\u017e podle smlouvy vznik\u00e1 z\u00e1vazek developera.<\/li>\n\n\n\n<li><strong>Objasnit postup p\u0159i z\u00e1pisu pr\u00e1v<\/strong> \u2014 p\u0159ed prvn\u00ed spl\u00e1tkou, nikoli a\u017e po n\u00ed.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16930\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Chcete si v Gruzii vybrat nemovitost, kter\u00e1 odpov\u00edd\u00e1 va\u0161emu rozpo\u010dtu a vyhovuje va\u0161im platebn\u00edm mo\u017enostem?<\/strong> <a href=\"\/cs\/quiz\/\" target=\"_blank\">Odpov\u011bzte na n\u011bkolik ot\u00e1zek<\/a>, a t\u00fdm The Residence z\u00fa\u017e\u00ed v\u00fdb\u011br na projekty s podm\u00ednkami spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, kter\u00e9 budou vyhovovat pr\u00e1v\u011b v\u00e1m.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Jak koupit byt v Gruzii na spl\u00e1tky: krok za krokem<\/h2>\n\n\n\n<p><strong>Krok 1. Stanovte si rozpo\u010det.<\/strong> Ur\u010dete v\u00fd\u0161i prvn\u00ed spl\u00e1tky, p\u0159ijatelnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku a rezervu.<\/p>\n\n\n\n<p><strong>Krok 2. Vyberte projekty.<\/strong> Porovn\u00e1vejte nejen byty, ale i dobu v\u00fdstavby, v\u00fd\u0161i prvn\u00ed spl\u00e1tky a kompletn\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159.<\/p>\n\n\n\n<p><strong>Krok 3. Vy\u017e\u00e1dejte si dv\u011b cenov\u00e9 nab\u00eddky.<\/strong> Zjist\u011bte si cenu stejn\u00e9ho bytu p\u0159i spl\u00e1tkov\u00e9m re\u017eimu a p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i.<\/p>\n\n\n\n<p><strong>Krok 4. Z\u00edskejte kompletn\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159.<\/strong> V n\u011bm mus\u00ed b\u00fdt uvedeny v\u0161echny term\u00edny, \u010d\u00e1stky a p\u0159\u00edpadn\u00e1 z\u00e1v\u011bre\u010dn\u00e1 platba.<\/p>\n\n\n\n<p><strong>Krok 5. Ov\u011b\u0159te si nemovitost a prod\u00e1vaj\u00edc\u00edho.<\/strong> Prostudujte si \u00fadaje z ve\u0159ejn\u00e9ho rejst\u0159\u00edku, pr\u00e1va k pozemku, v\u011bcn\u00e1 b\u0159emena a projektovou dokumentaci.<\/p>\n\n\n\n<p><strong>Krok 6. Zkontrolujte smlouvu.<\/strong> Zvl\u00e1\u0161tn\u00ed pozornost je t\u0159eba v\u011bnovat z\u00e1pisu pr\u00e1va, lh\u016ft\u011b pro p\u0159evod, prodlen\u00ed, zru\u0161en\u00ed, vr\u00e1cen\u00ed prost\u0159edk\u016f a postoupen\u00ed.<\/p>\n\n\n\n<p><strong>Krok 7. Podepi\u0161te smlouvu a uhra\u010fte platby v souladu s podm\u00ednkami uveden\u00fdmi ve smlouv\u011b.<\/strong><\/p>\n\n\n\n<p><strong>Krok 8. Dodr\u017eujte harmonogram.<\/strong> Uchov\u00e1vejte doklady potvrzuj\u00edc\u00ed ka\u017edou platbu.<\/p>\n\n\n\n<p><strong>Krok 9. P\u0159evz\u00edt byt.<\/strong> Zkontrolujte, zda objekt odpov\u00edd\u00e1 smlouv\u011b a specifikaci.<\/p>\n\n\n\n<p><strong>Krok 10. Zaregistrujte vlastnick\u00e9 pr\u00e1vo v souladu s postupem stanoven\u00fdm v r\u00e1mci transakce.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Konkr\u00e9tn\u00ed postup se m\u016f\u017ee li\u0161it v z\u00e1vislosti na tom, zda se jedn\u00e1 o koupi hotov\u00e9ho bytu nebo bytu ve v\u00fdstavb\u011b, a na tom, kdy smlouva stanov\u00ed st\u00e1tn\u00ed z\u00e1pis p\u0159\u00edslu\u0161n\u00e9ho pr\u00e1va.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Spl\u00e1tkov\u00fd pl\u00e1n pro cizince<\/h2>\n\n\n\n<p>Trh s novostavbami v Gruzii je zam\u011b\u0159en mimo jin\u00e9 na zahrani\u010dn\u00ed kupce a mnoho developer\u016f spolupracuje s ob\u010dany jin\u00fdch st\u00e1t\u016f. Cizinci mohou obecn\u011b nab\u00fdvat a registrovat byty a dal\u0161\u00ed nemovitosti, na kter\u00e9 se nevztahuj\u00ed \u017e\u00e1dn\u00e1 zvl\u00e1\u0161tn\u00ed omezen\u00ed. <strong>Pro zem\u011bd\u011blsk\u00e9 pozemky plat\u00ed zvl\u00e1\u0161tn\u00ed pravidla<\/strong> \u2014 tuto ot\u00e1zku je t\u0159eba posoudit individu\u00e1ln\u011b s ohledem na konkr\u00e9tn\u00ed objekt.<\/p>\n\n\n\n<p>Konkr\u00e9tn\u00ed po\u017eadavky na zahrani\u010dn\u00edho kupuj\u00edc\u00edho stanovuje developer v r\u00e1mci sv\u00e9 obchodn\u00ed politiky. Nelze tvrdit, \u017ee v\u0161echny projekty pracuj\u00ed s nerezidenty za naprosto stejn\u00fdch podm\u00ednek.<\/p>\n\n\n\n<p>K identifikaci zahrani\u010dn\u00edho kupuj\u00edc\u00edho se pou\u017e\u00edvaj\u00ed dokumenty uzn\u00e1van\u00e9 v r\u00e1mci p\u0159\u00edslu\u0161n\u00e9ho registra\u010dn\u00edho \u0159\u00edzen\u00ed. Konkr\u00e9tn\u00ed seznam je t\u0159eba si ov\u011b\u0159it v NAPR nebo u doprov\u00e1zej\u00edc\u00edho pr\u00e1vn\u00edka.<\/p>\n\n\n\n<p>Zvl\u00e1\u0161tn\u00ed pozornost je t\u0159eba v\u011bnovat bankovn\u00edmu zp\u016fsobu prov\u00e1d\u011bn\u00ed plateb. P\u0159i mezin\u00e1rodn\u00edm p\u0159evodu vy\u0161\u0161\u00ed \u010d\u00e1stky m\u00e1 banka pr\u00e1vo po\u017eadovat dodate\u010dn\u00e9 dokumenty v r\u00e1mci prov\u011brky AML\/KYC, v\u010detn\u011b informac\u00ed o zdroji finan\u010dn\u00edch prost\u0159edk\u016f a ekonomick\u00e9m smyslu transakce. Nejedn\u00e1 se o specifum Gruzie \u2013 jde o standardn\u00ed mezin\u00e1rodn\u00ed praxi. Je lep\u0161\u00ed si po\u017eadavky ov\u011b\u0159it p\u0159edem, a ne a\u017e v okam\u017eiku p\u0159evodu prvn\u00ed spl\u00e1tky.<\/p>\n\n\n\n<p>V\u00edce informac\u00ed o praxi mezin\u00e1rodn\u00edch p\u0159eklad\u016f najdete v \u010dl\u00e1nku \u201e<a href=\"\/cs\/all\/how-to-transfer-money-to-georgia-to-buy-real-estate\/\" target=\"_blank\">Jak p\u0159ev\u00e9st pen\u00edze do Gruzie za \u00fa\u010delem koup\u011b nemovitosti<\/a>&#171;.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak\u00e9 dokumenty m\u016f\u017ee zahrani\u010dn\u00ed kupuj\u00edc\u00ed pot\u0159ebovat<\/h3>\n\n\n\n<p>P\u0159esn\u00fd obsah bal\u00ed\u010dku dokument\u016f z\u00e1vis\u00ed na struktu\u0159e transakce, prod\u00e1vaj\u00edc\u00edm, zp\u016fsobu podpisu dokument\u016f a bankovn\u00ed trase platby. V praxi by se kupuj\u00edc\u00ed m\u011bl p\u0159edem p\u0159ipravit na to, \u017ee mohou b\u00fdt vy\u017eadov\u00e1ny:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>doklad toto\u017enosti;<\/li>\n\n\n\n<li>dokumenty a \u00fadaje nezbytn\u00e9 k identifikaci strany transakce;<\/li>\n\n\n\n<li>pln\u00e1 moc \u2013 pokud jedn\u00e1 z\u00e1stupce;<\/li>\n\n\n\n<li>p\u0159eklad zahrani\u010dn\u00edho dokumentu do gruz\u00edn\u0161tiny, je-li to nutn\u00e9 pro konkr\u00e9tn\u00ed \u00fakon;<\/li>\n\n\n\n<li>dokumenty, kter\u00e9 banka vy\u017e\u00e1d\u00e1 p\u0159i prov\u00e1d\u011bn\u00ed platby a p\u0159i kontrole AML\/KYC.<\/li>\n<\/ul>\n\n\n\n<p>Pokud kupuj\u00edc\u00ed jedn\u00e1 prost\u0159ednictv\u00edm z\u00e1stupce, samostatn\u011b se ov\u011b\u0159uje forma pln\u00e9 moci a postup uzn\u00e1n\u00ed dokumentu vyhotoven\u00e9ho mimo Gruzii.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Neexistuje \u017e\u00e1dn\u00fd univerz\u00e1ln\u00ed seznam dokument\u016f pro v\u0161echny spl\u00e1tkov\u00e9 pl\u00e1ny: obchodn\u00ed po\u017eadavky developera a po\u017eadavky na st\u00e1tn\u00ed registraci \u010di banky jsou dv\u011b odli\u0161n\u00e9 v\u011bci.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Je nutn\u00e9 p\u0159edlo\u017eit potvrzen\u00ed o p\u0159\u00edjmech?<\/h3>\n\n\n\n<p>V p\u0159\u00edpad\u011b p\u0159\u00edm\u00e9ho spl\u00e1tkov\u00e9ho pl\u00e1nu developer neposkytuje bankovn\u00ed \u00fav\u011br, a proto se po\u017eadavky banky na poskytnut\u00ed hypote\u010dn\u00edho \u00fav\u011bru na takovou transakci automaticky nevztahuj\u00ed.<\/p>\n\n\n\n<p>To v\u0161ak <strong>to neznamen\u00e1, \u017ee spl\u00e1tkov\u00fd prodej se v\u017edy sjedn\u00e1v\u00e1 bez jak\u00e9koli prov\u011brky kupuj\u00edc\u00edho<\/strong>. Developer m\u016f\u017ee stanovit vlastn\u00ed po\u017eadavky na dokumenty a banka m\u00e1 p\u0159i p\u0159evodu pen\u011bz pr\u00e1vo prov\u00e1d\u011bt nezbytn\u00e9 kontroly v r\u00e1mci AML\/KYC.<\/p>\n\n\n\n<p>Proto je dobr\u00e9 si p\u0159ed proveden\u00edm rezervace zvl\u00e1\u0161\u0165 ov\u011b\u0159it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>jak\u00e9 dokumenty po\u017eaduje developer;<\/li>\n\n\n\n<li>je nutn\u00e9 dolo\u017eit zdroj finan\u010dn\u00edch prost\u0159edk\u016f;<\/li>\n\n\n\n<li>jak\u00e9 dokumenty m\u016f\u017ee banka po\u017eadovat;<\/li>\n\n\n\n<li>Je mo\u017en\u00e9 platit ze zahrani\u010dn\u00edho \u00fa\u010dtu?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Je mo\u017en\u00e9 koupit byt na d\u00e1lku?<\/h2>\n\n\n\n<p>Jednotliv\u00e9 f\u00e1ze transakce lze vy\u0159\u00eddit na d\u00e1lku a v n\u011bkter\u00fdch p\u0159\u00edpadech se cel\u00fd proces uskute\u010d\u0148uje prost\u0159ednictv\u00edm z\u00e1stupce. Konkr\u00e9tn\u00ed postup z\u00e1vis\u00ed na dokumentech, pravomoc\u00edch z\u00e1stupce, po\u017eadavc\u00edch developera a zp\u016fsobu registrace.<\/p>\n\n\n\n<p><strong>V\u00fdb\u011br objektu<\/strong> Lze to zajistit prost\u0159ednictv\u00edm videoprohl\u00eddky nebo virtu\u00e1ln\u00ed prohl\u00eddky. Dokumenty \u2013 projektov\u00e1 dokumentace, listiny dokl\u00e1daj\u00edc\u00ed vlastnick\u00e9 pr\u00e1vo k pozemku, vzor smlouvy \u2013 lze rovn\u011b\u017e prostudovat na d\u00e1lku.<\/p>\n\n\n\n<p><strong>Podpis smlouvy<\/strong> V p\u0159\u00edpad\u011b transakce na d\u00e1lku se to \u010dasto zaji\u0161\u0165uje prost\u0159ednictv\u00edm zmocn\u011bnce. Pro pou\u017eit\u00ed zahrani\u010dn\u00ed pln\u00e9 moci v Gruzii je nutn\u00e9 ov\u011b\u0159it postup uzn\u00e1v\u00e1n\u00ed dokument\u016f vydan\u00fdch v p\u0159\u00edslu\u0161n\u00e9 zemi. V z\u00e1vislosti na platn\u00e9m mezin\u00e1rodn\u00edm re\u017eimu m\u016f\u017ee b\u00fdt vy\u017eadov\u00e1n apostil nebo konzul\u00e1rn\u00ed legalizace a pro pou\u017eit\u00ed dokumentu u gruz\u00ednsk\u00fdch org\u00e1n\u016f tak\u00e9 p\u0159eklad do gruz\u00ednsk\u00e9ho jazyka. <\/p>\n\n\n\n<p><strong>Bankovn\u00ed p\u0159evod<\/strong> \u2014 jeden ze standardn\u00edch zp\u016fsob\u016f platby p\u0159i d\u00e1lkov\u00e9m obchodu. Je d\u016fle\u017eit\u00e9 p\u0159edem dohodnout platebn\u00ed \u00fadaje a \u00fa\u010del platby.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Jak porovnat dv\u011b spl\u00e1tkov\u00e9 pl\u00e1ny<\/h2>\n\n\n\n<p>P\u0159edpokl\u00e1dejme, \u017ee si z\u00e1kazn\u00edk vyb\u00edr\u00e1 mezi dv\u011bma projekty. Oba jsou prezentov\u00e1ny jako \u201e0% spl\u00e1tky\u201c. Co je t\u0159eba porovnat?<\/p>\n\n\n\n<p><strong>Projekt A<\/strong> \u2014 byt za $100 000, po\u010d\u00e1te\u010dn\u00ed spl\u00e1tka 20%, 24 m\u011bs\u00edc\u016f, bez uveden\u00e9 \u00farokov\u00e9 sazby.<\/p>\n\n\n\n<p><strong>Projekt B<\/strong> \u2014 byt za $96 000 p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i, $102 000 p\u0159i spl\u00e1tkov\u00e9m re\u017eimu, prvn\u00ed spl\u00e1tka 30%, 36 m\u011bs\u00edc\u016f.<\/p>\n\n\n\n<p>Na prvn\u00ed pohled se projekt A jev\u00ed jako atraktivn\u011bj\u0161\u00ed \u2013 cena je ni\u017e\u0161\u00ed, spl\u00e1tka men\u0161\u00ed. Jedn\u00e1 se v\u0161ak o povrchn\u00ed srovn\u00e1n\u00ed.<\/p>\n\n\n\n<p>V projektu B je cena p\u0159i spl\u00e1tkov\u00e9m pl\u00e1nu ve v\u00fd\u0161i $6 000 vy\u0161\u0161\u00ed ne\u017e cena p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i. Pro kupuj\u00edc\u00edho p\u0159edstavuje tento rozd\u00edl dodate\u010dn\u00e9 n\u00e1klady spojen\u00e9 s volbou spl\u00e1tkov\u00e9ho pl\u00e1nu, a\u010dkoli z t\u011bchto \u010d\u00edsel nelze ur\u010dit vnit\u0159n\u00ed strukturu cenotvorby developera. U projektu A je t\u0159eba zjistit: je p\u0159i platb\u011b v pln\u00e9 v\u00fd\u0161i poskytov\u00e1na sleva? Pokud ano \u2013 jak\u00e1 je jej\u00ed v\u00fd\u0161e a m\u011bn\u00ed se t\u00edm celkov\u00e1 ekonomika transakce?<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Nelze tvrdit, \u017ee program A je lep\u0161\u00ed jen proto, \u017ee \u201eneobsahuje \u017e\u00e1dn\u00e9 p\u0159ir\u00e1\u017eky\u201c, nebo \u017ee program B je hor\u0161\u00ed jen proto, \u017ee cena p\u0159i spl\u00e1tkov\u00e9m \u00fav\u011bru je vy\u0161\u0161\u00ed. Je t\u0159eba porovnat celkovou cenu, podm\u00ednky v\u00fdstupu, pr\u00e1vn\u00ed strukturu a likviditu dan\u00e9ho objektu.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-1024x577.webp\" alt=\"Spl\u00e1tkov\u00fd pl\u00e1n na nemovitost v Gruzii\" class=\"wp-image-16931\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tabulka 4. Porovn\u00e1vac\u00ed p\u0159ehled dvou spl\u00e1tkov\u00fdch pl\u00e1n\u016f<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Ot\u00e1zka pro srovn\u00e1n\u00ed<\/th><th>Projekt A<\/th><th>Projekt B<\/th><\/tr><\/thead><tbody><tr><td>Cena p\u0159i spl\u00e1tkov\u00e9m prodeji<\/td><td>$100 000<\/td><td>$102 000<\/td><\/tr><tr><td>Cena p\u0159i platb\u011b 100%<\/td><td>Up\u0159esnit<\/td><td>$96 000<\/td><\/tr><tr><td>Prvn\u00ed \u010d\u00e1st<\/td><td>$20 000 (20%)<\/td><td>$30 600 (30%)<\/td><\/tr><tr><td>Doba spl\u00e1cen\u00ed<\/td><td>24 m\u011bs\u00edc\u016f<\/td><td>36 m\u011bs\u00edc\u016f<\/td><\/tr><tr><td>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/td><td>~$3 333<\/td><td>~$2 000<\/td><\/tr><tr><td>Posledn\u00ed velk\u00e1 platba<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><tr><td>F\u00e1ze v\u00fdstavby<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><tr><td>Term\u00edny splatnosti<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><tr><td>Podm\u00ednky odstoupen\u00ed od smlouvy<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><tr><td>Mo\u017enost postoupen\u00ed<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><tr><td>Okam\u017eik z\u00e1pisu pr\u00e1v<\/td><td>Up\u0159esnit<\/td><td>Up\u0159esnit<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>V\u0161echny \u00fadaje jsou pouze orienta\u010dn\u00ed a slou\u017e\u00ed k ilustraci dan\u00e9 metody.<\/em><\/p>\n\n\n\n<p>Tabulka z\u00e1m\u011brn\u011b ponech\u00e1v\u00e1 mnoho bun\u011bk pr\u00e1zdn\u00fdch: skute\u010dn\u00e1 srovn\u00e1vac\u00ed anal\u00fdza vy\u017eaduje vypln\u011bn\u00ed ka\u017ed\u00e9 polo\u017eky \u00fadaji o konkr\u00e9tn\u00edm projektu. Pr\u00e1v\u011b v tom spo\u010d\u00edv\u00e1 metodika rozhodov\u00e1n\u00ed \u2013 systematick\u00fd, nikoli intuitivn\u00ed p\u0159\u00edstup.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Spl\u00e1tkov\u00fd prodej jako n\u00e1stroj, nikoli jako marketingov\u00fd slogan<\/h2>\n\n\n\n<p>Spl\u00e1tkov\u00e9 podm\u00ednky se v nab\u00eddk\u00e1ch gruz\u00ednsk\u00fdch developer\u016f vyskytuj\u00ed pravideln\u011b. Umo\u017e\u0148uje rozlo\u017eit platby v \u010dase, nen\u00ed v\u0161ak bez rizik \u2013 a m\u016f\u017ee b\u00fdt vhodn\u00fdm zp\u016fsobem platby za p\u0159edpokladu, \u017ee kupuj\u00edc\u00ed je schopen dodr\u017eet spl\u00e1tkov\u00fd kalend\u00e1\u0159 a \u017ee smlouva i pr\u00e1vn\u00ed struktura transakce byly p\u0159edem prov\u011b\u0159eny.<\/p>\n\n\n\n<p>P\u0159ed podpisem je dobr\u00e9 si polo\u017eit n\u011bkolik ot\u00e1zek: Jak\u00e1 je celkov\u00e1 \u010d\u00e1stka plateb s p\u0159ihl\u00e9dnut\u00edm ke v\u0161em spl\u00e1tk\u00e1m? Co p\u0159esn\u011b je nebo bude zaps\u00e1no na kupuj\u00edc\u00edho ve ve\u0159ejn\u00e9m rejst\u0159\u00edku? Co se stane, pokud dojde ke zpo\u017ed\u011bn\u00ed platby? M\u00e1te finan\u010dn\u00ed rezervu na nep\u0159edv\u00eddan\u00e9 v\u00fddaje \u2013 opravy, vybaven\u00ed, \u00fadr\u017ebu?<\/p>\n\n\n\n<p>Konkr\u00e9tn\u00ed smlouvu o spl\u00e1tkov\u00e9m kalend\u00e1\u0159i, postup registrace stavby ve v\u00fdstavb\u011b, sankce za prodlen\u00ed a postup p\u0159i vyhotoven\u00ed pln\u00e9 moci je vhodn\u00e9 konzultovat s gruz\u00ednsk\u00fdm pr\u00e1vn\u00edkem s ohledem na konkr\u00e9tn\u00ed transakci.<\/p>\n\n\n\n<p>Hlavn\u00ed ponau\u010den\u00ed: <strong>Hodnotit je t\u0159eba nikoli samotn\u00fd pojem \u201espl\u00e1tkov\u00fd kalend\u00e1\u0159\u201c, ale konkr\u00e9tn\u00ed kombinaci ceny, spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, smlouvy, f\u00e1ze v\u00fdstavby a rizik.<\/strong> Dva projekty se stejn\u00fdm popisem se mohou podstatn\u011b li\u0161it, pokud jde o skute\u010dn\u00e9 ekonomick\u00e9 podm\u00ednky transakce a pr\u00e1vn\u00ed ochranu kupuj\u00edc\u00edho.<\/p>\n\n\n\n<p>T\u00fdm The Residence p\u016fsob\u00ed na gruz\u00ednsk\u00e9m realitn\u00edm trhu \u2013 v Batumi, Tbilisi, Gonio a dal\u0161\u00edch lokalit\u00e1ch \u2013 a pom\u00e1h\u00e1 porovn\u00e1vat projekty s ohledem na podm\u00ednky spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, f\u00e1zi v\u00fdstavby a pr\u00e1vn\u00ed strukturu transakce.<\/p>","protected":false},"excerpt":{"rendered":"<p>Na trhu s novostavbami v Gruzii m\u00e1 kupuj\u00edc\u00ed t\u00e9m\u011b\u0159 v\u017edy na v\u00fdb\u011br ze t\u0159\u00ed mo\u017enost\u00ed [\u2026]<\/p>","protected":false},"author":14,"featured_media":16925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[174],"tags":[],"class_list":["post-16923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all"],"acf":[],"_links":{"self":[{"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/posts\/16923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/comments?post=16923"}],"version-history":[{"count":7,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/posts\/16923\/revisions"}],"predecessor-version":[{"id":17032,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/posts\/16923\/revisions\/17032"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/media\/16925"}],"wp:attachment":[{"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/media?parent=16923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/categories?post=16923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/residence-estate.ge\/cs\/wp-json\/wp\/v2\/tags?post=16923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}