[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adrien.sk\/pozicajte-si\/#Article","mainEntityOfPage":"https:\/\/www.adrien.sk\/pozicajte-si\/","headline":"Po\u017ei\u010dajte si","name":"Po\u017ei\u010dajte si","description":"\u00daroky na hypot\u00e9kach s\u00fa ve\u013emi \u010dasto otvorenou t\u00e9mou nielen v oblasti ob\u010danov, ale aj v na\u0161ej vl\u00e1de. Boli sme zvyknut\u00ed na v\u00fd\u0161ku \u00farokov pri hypot\u00e9ke v hodnote ni\u017e\u0161ie ako 1%. \u00daroky v hodnote 0,4% na cel\u00fa va\u0161u hypot\u00e9ku boli pred nieko\u013ek\u00fdmi rokmi \u00faplnou realitou, no dnes s\u00fa u\u017e iba snom. Ve\u013emi ve\u013ea \u013eud\u00ed vyu\u017eilo mimoriadne dostupn\u00e9 hypot\u00e9ky s n\u00edzkym \u00farokom, … ","datePublished":"2023-11-30","dateModified":"2023-11-30","author":{"@type":"Person","@id":"https:\/\/www.adrien.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.adrien.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adrien.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adrien.sk\/wp-content\/uploads\/bank-2907728_640_6.jpg","url":"https:\/\/www.adrien.sk\/wp-content\/uploads\/bank-2907728_640_6.jpg","height":0,"width":0},"url":"https:\/\/www.adrien.sk\/pozicajte-si\/","about":["Ekonomika"],"wordCount":383,"articleBody":"\u00daroky na hypot\u00e9kach s\u00fa ve\u013emi \u010dasto otvorenou t\u00e9mou nielen v oblasti ob\u010danov, ale aj v na\u0161ej vl\u00e1de. Boli sme zvyknut\u00ed na v\u00fd\u0161ku \u00farokov pri hypot\u00e9ke v hodnote ni\u017e\u0161ie ako 1%. \u00daroky v hodnote 0,4% na cel\u00fa va\u0161u hypot\u00e9ku boli pred nieko\u013ek\u00fdmi rokmi \u00faplnou realitou, no dnes s\u00fa u\u017e iba snom. Ve\u013emi ve\u013ea \u013eud\u00ed vyu\u017eilo mimoriadne dostupn\u00e9 hypot\u00e9ky s n\u00edzkym \u00farokom, ktor\u00e9 zabezpe\u010dilo n\u00edzku mesa\u010dn\u00fa spl\u00e1tku na zabezpe\u010denie svojej dom\u00e1cnosti. V tom \u010dase, si mohlo dovoli\u0165 vlastn\u00fd dom \u010di byt ve\u013emi ve\u013ea \u013eud\u00ed a mesa\u010dne boli schopn\u00ed spl\u00e1ca\u0165 svoju nehnute\u013enos\u0165.\u00a0\u00a0Posledn\u00e9 mesiace sa v\u0161ak d\u0148a na de\u0148 situ\u00e1cia zmenila a z \u00faroku 0,4% vznikol \u00farok 4%. \u0160tvorpercentn\u00fd \u00farok je dne\u0161n\u00fdch d\u0148och najni\u017e\u0161ie poskytovan\u00ed \u00farok, ktor\u00fd pon\u00faka Prima banka. V pr\u00edpade \u010fal\u0161\u00edch \u00farokov\u00fdch sadzieb nezaost\u00e1va V\u00daB banka, ktor\u00e1 poskytuje \u00farok v hodnote 4,49%. Z v\u00e4\u010d\u0161\u00edch b\u00e1nk neposkytuje pr\u00e1ve najni\u017e\u0161\u00ed \u00farok slovensk\u00e1 sporite\u013e\u0148a, kde sa \u00farok \u0161plh\u00e1 a\u017e na 4,69%. Samozrejme v\u00fd\u0161ka \u00faroku je orienta\u010dn\u00e1 a z\u00e1vis\u00ed od doby fix\u00e1cie \u010di podmienok banky. V niektorej banke, kde ste dlhoro\u010dn\u00fdm klientom m\u00f4\u017eete z\u00edska\u0165 o nie\u010do v\u00fdhodnej\u0161ie \u00farok, ako v banke, kde nem\u00e1te zalo\u017een\u00fd \u00fa\u010det. \u00a0\u00a0To ni\u010d nemen\u00ed v\u0161ak na tom, \u017ee v\u00fd\u0161ky \u00farokov s\u00fa nad 4%. \u010co to v\u0161ak znamen\u00e1 pre \u013eud\u00ed, ktor\u00ed u\u017e hypot\u00e9ku maj\u00fa a kon\u010d\u00ed im fix\u00e1cia? Ve\u013emi ve\u013ea \u013eu\u010fom nasko\u010dili vr\u00e1sky, ke\u010f sa dozvedeli o tak rap\u00eddnom zvy\u0161ovan\u00ed \u00farokov. \u00daroky pod 1% boli v\u00e4\u010d\u0161inou s dobou fix\u00e1cie na 3 \u010di 5 rokov. Preto v tomto obdob\u00ed mnoh\u00fdm dom\u00e1cnostiam nasko\u010d\u00ed \u00farok na hypot\u00e9ke 4%. V\u00fd\u0161ka \u00faroku po skon\u010den\u00ed doby fix\u00e1cie z\u00e1vis\u00ed od podmienok banky, ktor\u00e9 v\u00e1m poskytne. M\u00f4\u017eete svoju hypot\u00e9ku refinancova\u0165 do inej banky \u010di sk\u00fasi\u0165 zn\u00ed\u017een\u00fd \u00farok v banke, v ktorej aktu\u00e1lne hypot\u00e9ku m\u00e1te. Ak ale rie\u0161ite ot\u00e1zku vlastn\u00e9ho b\u00fdvania, zadl\u017eenia sa v\u00a0podobe hypot\u00e9ky nemus\u00edte b\u00e1\u0165. Samozrejme v\u00a0pr\u00edpade, \u017ee m\u00e1te stabiln\u00fd pr\u00edjem.                                                                                                                                                                                                                                                                                                                                                                                        3.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Po\u017ei\u010dajte si","item":"https:\/\/www.adrien.sk\/pozicajte-si\/#breadcrumbitem"}]}]