[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inarte.sk\/hypoteka-na-byvanie\/#Article","mainEntityOfPage":"https:\/\/www.inarte.sk\/hypoteka-na-byvanie\/","headline":"Hypot\u00e9ka na b\u00fdvanie","name":"Hypot\u00e9ka na b\u00fdvanie","description":"\u00a0 Niektor\u00fdm pri slove hypot\u00e9ka doslova nasko\u010d\u00ed husia ko\u017ea. Ide o nepr\u00edjemn\u00fa povinnos\u0165, ktor\u00fa mus\u00ed urobi\u0165 ka\u017ed\u00fd, kto nem\u00e1 dostato\u010dn\u00e9 financie na vlastn\u00e9 b\u00fdvanie. Ka\u017ed\u00fd […]","datePublished":"2023-11-28","dateModified":"2023-11-28","author":{"@type":"Person","@id":"https:\/\/www.inarte.sk\/author\/#Person","name":"","url":"https:\/\/www.inarte.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inarte.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inarte.sk\/wp-content\/uploads\/house-5902664_1280.jpg","url":"https:\/\/www.inarte.sk\/wp-content\/uploads\/house-5902664_1280.jpg","height":0,"width":0},"url":"https:\/\/www.inarte.sk\/hypoteka-na-byvanie\/","about":["Ekonomika"],"wordCount":387,"articleBody":"\u00a0Niektor\u00fdm pri slove hypot\u00e9ka doslova nasko\u010d\u00ed husia ko\u017ea. Ide o nepr\u00edjemn\u00fa povinnos\u0165, ktor\u00fa mus\u00ed urobi\u0165 ka\u017ed\u00fd, kto nem\u00e1 dostato\u010dn\u00e9 financie na vlastn\u00e9 b\u00fdvanie. Ka\u017ed\u00fd z n\u00e1s by ur\u010dite rad\u0161ej rie\u0161il dom alebo byt z financi\u00ed zo svojho \u00fa\u010dtu. No vysok\u00e9 ceny za nehnute\u013enosti prin\u00fatili v\u00e4\u010d\u0161inu Slov\u00e1kov vzia\u0165 si hypot\u00e9ku. Aj ke\u010f pred nieko\u013ek\u00fdmi desa\u0165ro\u010diami sa o hypot\u00e9ke takmer nevedelo, dnes je ka\u017ed\u00fd druh\u00fd Slov\u00e1k zadl\u017een\u00fd v takej miere, \u017ee svoje dlhy bude spl\u00e1ca\u0165 do d\u00f4chodku.\u00a0Hypot\u00e9ky si m\u00f4\u017eete vybra\u0165 na 5, 10, 20 \u010di 30 rokov. \u00a0\u00a0Mno\u017estvo \u013eud\u00ed sa rozhodne pr\u00e1ve pre dobu spl\u00e1cania 30 rokov, vzh\u013eadom na to, \u017ee \u010dastokr\u00e1t nem\u00e1me financie a preto ke\u010f si hypot\u00e9ku berieme, chceme ma\u0165 \u010do na ni\u017e\u0161iu mesa\u010dn\u00fa spl\u00e1tku. A to docielime pr\u00e1ve najdlh\u0161ou dobou spl\u00e1cania vo v\u00e4\u010d\u0161ine pr\u00edpadov banky poskytuj\u00fa 30 rokov. M\u00e1lo \u013eud\u00ed si v\u0161ak uvedomuje, \u017ee s dlh\u0161ou dobu spl\u00e1cania preplat\u00ed viac na \u00farokoch. Ak v\u0161ak m\u00e1te pr\u00edjem skuto\u010dne ve\u013ek\u00fd, sk\u00faste vyu\u017ei\u0165 mo\u017enos\u0165 krat\u0161ej doby spl\u00e1cania a vy\u0161\u0161\u00edch spl\u00e1tok. Ve\u013ek\u00fa rolu takisto zohr\u00e1va doba fix\u00e1cie. Fix\u00e1cia je \u010das, na ktor\u00fd m\u00e1te zafixovan\u00fd \u00farok, ktor\u00fd v\u00e1m dali pri zria\u010fovan\u00ed hypot\u00e9ky. \u00a0\u00a0Pred nieko\u013ek\u00fdmi rokmi sme boli pote\u0161en\u00ed z \u00faroku men\u0161ieho ako 1%, dnes je v\u0161ak \u00farok mimoriadne vysok\u00fd a to viac ako 4% v z\u00e1vislosti od banky. Ak\u00fa rolu v tom zohr\u00e1va doba fix\u00e1cie? Pri n\u00edzkom \u00faroku, ktor\u00fd je v ponuke je vhodn\u00e9 vybra\u0165 si dobu fix\u00e1cie \u010do najvy\u0161\u0161iu. Ide o 5 \u010di 10 rokov, kedy m\u00e1te garantovan\u00fa v\u00fd\u0161ku \u00faroku. V pr\u00edpade, \u017ee situ\u00e1cia ako dnes, teda \u00farok je mimoriadne vysok\u00fd, zvo\u013ete si rad\u0161ej krat\u0161iu dobu fix\u00e1cie \u010do predstavuje rok alebo 3 roky a nesk\u00f4r vyu\u017eitie mo\u017enos\u0165 refinancovania. Ak sa v hypot\u00e9kach nevyzn\u00e1te, sk\u00faste hypotek\u00e1rneho \u0161pecialistu. Finan\u010dn\u00fd \u010di hypotek\u00e1rny poradca v\u00e1m pom\u00f4\u017ee vybavi\u0165 najv\u00fdhodnej\u0161iu hypot\u00e9ku na va\u0161u nehnute\u013enos\u0165, bez akejko\u013evek va\u0161ej iniciat\u00edvy a\u00a0starosti.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na b\u00fdvanie","item":"https:\/\/www.inarte.sk\/hypoteka-na-byvanie\/#breadcrumbitem"}]}]