[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.koge.sk\/ako-v-dnesnej-dobe-funguju-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.koge.sk\/ako-v-dnesnej-dobe-funguju-hypoteky\/","headline":"Ako v dne\u0161nej dobe funguj\u00fa hypot\u00e9ky?","name":"Ako v dne\u0161nej dobe funguj\u00fa hypot\u00e9ky?","description":"Mzdy sa u\u00a0n\u00e1s pohybuj\u00fa v\u00a0priemere 1077 Eur v\u00a0hrubom k\u00a0roku 2019. Ak si zoberieme n\u00e1klady na n\u00e1jom, energie, stravu, dopravu a\u00a0\u010fal\u0161ie mesa\u010dn\u00e9 nevyhnutn\u00e9 prostriedky, m\u00e1lokomu sa podar\u00ed u\u0161etri\u0165 tretinu z\u00a0mesa\u010dn\u00e9ho pr\u00edjmu. Finan\u010dn\u00ed poradcovia tvrdia, \u017ee pr\u00e1ve jednu tretinu by mal by\u0165 \u010dlovek schopn\u00fd u\u0161etri\u0165 ak si chce na\u0161etri\u0165 na bud\u00facnos\u0165. Pr\u00e1ve \u0161etrenie je v\u00a0dne\u0161nej dobe \u00fazko <a href=\"https:\/\/www.koge.sk\/ako-v-dnesnej-dobe-funguju-hypoteky\/\" class=\"more-link\">...<span class=\"screen-reader-text\">  Ako v dne\u0161nej dobe funguj\u00fa hypot\u00e9ky?<\/span><\/a>","datePublished":"2019-01-15","dateModified":"2019-01-15","author":{"@type":"Person","@id":"https:\/\/www.koge.sk\/author\/#Person","name":"","url":"https:\/\/www.koge.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"koge.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.koge.sk\/wp-content\/uploads\/img_a297908_w16746_t1552673893.jpg","url":"https:\/\/www.koge.sk\/wp-content\/uploads\/img_a297908_w16746_t1552673893.jpg","height":0,"width":0},"url":"https:\/\/www.koge.sk\/ako-v-dnesnej-dobe-funguju-hypoteky\/","wordCount":367,"articleBody":"Mzdy sa u\u00a0n\u00e1s pohybuj\u00fa v\u00a0priemere 1077 Eur v\u00a0hrubom k\u00a0roku 2019. Ak si zoberieme n\u00e1klady na n\u00e1jom, energie, stravu, dopravu a\u00a0\u010fal\u0161ie mesa\u010dn\u00e9 nevyhnutn\u00e9 prostriedky, m\u00e1lokomu sa podar\u00ed u\u0161etri\u0165 tretinu z\u00a0mesa\u010dn\u00e9ho pr\u00edjmu. Finan\u010dn\u00ed poradcovia tvrdia, \u017ee pr\u00e1ve jednu tretinu by mal by\u0165 \u010dlovek schopn\u00fd u\u0161etri\u0165 ak si chce na\u0161etri\u0165 na bud\u00facnos\u0165. Pr\u00e1ve \u0161etrenie je v\u00a0dne\u0161nej dobe \u00fazko spom\u00ednan\u00e9 v\u00a0s\u00favislosti s\u00a0hypot\u00e9kami. Ceny bytov s\u00fa v\u00a0dne\u0161nej dobe vysok\u00e9 a\u00a0mlad\u00e9 rodiny si k\u00fapu z\u00a0vlastn\u00fdch zdrojov nem\u00f4\u017eu dovoli\u0165. Preto sa banky predbiehaj\u00fa, ktor\u00e1 poskytne \u00faver s\u00a0najni\u017e\u0161\u00edm \u00farokom.\u00a0Hypot\u00e9ky\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Najni\u017e\u0161\u00ed \u00farok sa pohybuje od 1,25%. Jeho v\u00fd\u0161ka z\u00e1vis\u00ed od v\u00e1\u0161ho pr\u00edjmu, stability a\u00a0\u010fal\u0161\u00edch podmienok, ktor\u00e9 firma hodnot\u00ed. Rozdiel je tie\u017e, \u010di si vyberiete dobu fix\u00e1cie na 3, 5 alebo 7 rokov. Najni\u017e\u0161\u00ed \u00farok samozrejme dostanete pri 3 ro\u010dnej dobe fix\u00e1cie. Ale pri dne\u0161nej situ\u00e1ci\u00ed na trhu, je najlep\u0161ie si takto n\u00edzky \u00farok ponecha\u0165 na \u010do najdlh\u0161iu dobu. Jeho v\u00fd\u0161ku m\u00f4\u017eete tie\u017e ovplyvni\u0165 financovan\u00edm z\u00a0vlastn\u00fdch zdrojov. Banky u\u017e dnes nepon\u00fakaj\u00fa 100% financovanie bytu \u010di domu.\u00a0Spotrebite\u013esk\u00fd \u00faver\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 To \u017ee v\u00e1m banka nem\u00f4\u017ee preplati\u0165 cel\u00fa sumu na k\u00fapu nehnute\u013enosti je u\u017e ist\u00e9. St\u00e1le v\u0161ak niektor\u00e9 pon\u00fakaj\u00fa mo\u017enos\u0165 najviac 90 % \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 financovania. Plat\u00ed, \u017ee pri v\u00e4\u010d\u0161ej \u010diastke vlastn\u00fdch zdrojov, m\u00f4\u017eete r\u00e1ta\u0165 aj s\u00a0ni\u017e\u0161\u00edm \u00farokom. Najlep\u0161ie teda bude ak do hypot\u00e9ky p\u00f4jdete aspo\u0148 s\u00a020% na\u0161etren\u00fdch pe\u0148az\u00ed. S\u00fa v\u0161ak rodiny, ktor\u00e9 nemaj\u00fa ani Euro, ale rozhodli sa pre vlastn\u00e9 b\u00fdvanie. V\u00a0takomto pr\u00edpade m\u00f4\u017eete ch\u00fdbaj\u00face peniaze z\u00edska\u0165 v\u00a0spotrebite\u013eskom \u00favere. Ide v\u0161ak o\u00a0nie pr\u00e1ve najv\u00fdhodnej\u0161\u00ed typ \u00faveru s\u00a0vysok\u00fdm \u00farokom. Jednoducho po\u017eiadate o\u00a0bez\u00fa\u010delov\u00fd \u00faver a\u00a0banka v\u00e1m potrebn\u00fdch 10% poskytne z\u00a0tohto pr\u00e1ve z\u00a0neho. K\u00fdm hypot\u00e9ku je najv\u00fdhodnej\u0161ie spl\u00e1ca\u0165 30 rokov pri spotrebite\u013eskom je maxim\u00e1lna mo\u017en\u00e1 d\u013a\u017eka spl\u00e1cania 8 rokov.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako v dne\u0161nej dobe funguj\u00fa hypot\u00e9ky?","item":"https:\/\/www.koge.sk\/ako-v-dnesnej-dobe-funguju-hypoteky\/#breadcrumbitem"}]}]