{"id":1009,"date":"2019-06-12T13:13:47","date_gmt":"2019-06-12T11:13:47","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1009"},"modified":"2023-05-30T13:10:12","modified_gmt":"2023-05-30T11:10:12","slug":"hypoteka-vs-podnajom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-vs-podnajom\/","title":{"rendered":"Hypot\u00e9ka vs. podn\u00e1jom. \u010co je v\u00fdhodnej\u0161ie?"},"content":{"rendered":"<p><strong>Cesta za vlastn\u00fdm b\u00fdvan\u00edm bude u\u017e o\u00a0p\u00e1r dn\u00ed op\u00e4\u0165 o\u00a0nie\u010do zlo\u017eitej\u0161ia. V j\u00fali sa toti\u017e na Slovensku zav\u0155\u0161i vlna legislat\u00edvnych opatren\u00ed, ktor\u00e9 od minul\u00e9ho roku postupne spr\u00edsnili poskytovanie \u00faverov na b\u00fdvanie. <\/strong><\/p>\n<p><em>\u201eOd 1. 7. 2019 banky povinne zaved\u00fa posledn\u00fa \u00fapravu, a\u00a0s\u00edce zn\u00ed\u017eia podiel hypot\u00e9k s\u00a0<\/em><a href=\"https:\/\/www.fingopedia.sk\/co-je-ltv-u-hypoteky\/\"><em>LTV<\/em><\/a><em> nad 80 % o\u00a0\u010fal\u0161\u00edch 5 percent. K hypot\u00e9ke na nov\u00fd byt \u010di dom sa tak dostane menej \u013eud\u00ed a navy\u0161e, \u00favery nad 80 % z hodnoty nehnute\u013enosti s\u00fa z\u00e1rove\u0148 aj menej v\u00fdhodn\u00e9. Ke\u010f\u017ee banky sa pri nich vystavuj\u00fa vy\u0161\u0161iemu riziku napr. z d\u00f4vodu poklesu cien nehnute\u013enost\u00ed, \u00faroky v\u00a0tomto pr\u00edpade schva\u013euj\u00fa zhruba o 0,5 percenta vy\u0161\u0161ie,\u201c<\/em> vysvet\u013euje riadite\u013eka pre \u00favery spolo\u010dnosti FinGO.sk Eva \u0160ablov\u00e1. <strong>Najm\u00e4 mlad\u00ed, bez vlastn\u00fdch finan\u010dn\u00fdch zdrojov preto logicky uva\u017euj\u00fa, \u010di nie je jednoduch\u0161ie b\u00fdva\u0165 v prenajatom byte ako vo vlastnom.<\/strong> V\u00a0tomto \u010dl\u00e1nku sa pok\u00fasime porovna\u0165 obe alternat\u00edvy b\u00fdvania.<\/p>\n<h3><span style=\"color: #ec8124;\">Porovnajte si celkov\u00e9 v\u00fddavky<\/span><\/h3>\n<p>Pri posudzovan\u00ed oboch sp\u00f4sobov b\u00fdvania sa asi v\u00e4\u010d\u0161ina z n\u00e1s pozer\u00e1 v\u00a0prvom rade na cenu a\u00a0celkov\u00e9 v\u00fddavky. Jednoducho, ko\u013eko za b\u00fdvanie zaplat\u00edme, resp. ko\u013eko prerob\u00edme. Ako na to? Sta\u010d\u00ed si porovna\u0165 mesa\u010dn\u00fa v\u00fd\u0161ku pren\u00e1jmu s v\u00fd\u0161kou spl\u00e1tky hypot\u00e9ky, ku ktorej prir\u00e1tame aj n\u00e1klady na energie, fond opr\u00e1v \u010di in\u00e9 v\u00fddavky pre bytov\u00e9 dru\u017estvo. <strong>Pri aktu\u00e1lnych, e\u0161te st\u00e1le rekordne n\u00edzkych \u00farokov\u00fdch sadzb\u00e1ch na hypot\u00e9kach, ostane rozdiel medzi t\u00fdmito variantami nepatrn\u00fd. <\/strong>B\u00fdvanie vo vlastnom, nie prenajatom byte, m\u00f4\u017ee dokonca mesa\u010dne vych\u00e1dza\u0165 aj lacnej\u0161ie.<\/p>\n<p>Pod\u013ea finan\u010dn\u00fdch a realitn\u00fdch analytikov s\u00fa celkov\u00e9 n\u00e1klady pri oboch alternat\u00edvach aj v horizonte 20 \u010di 30 rokov ve\u013emi podobn\u00e9. Jedin\u00fdm rozdielom tak napokon ostane iba skuto\u010dnos\u0165, \u017ee po splaten\u00ed celej hypot\u00e9ky v\u00e1m nehnute\u013enos\u0165 aj ostane.<strong> A vlastni\u0165 byt \u010di dom, to nie je zl\u00e9. Pr\u00e1ve naopak, je to skvel\u00e1 invest\u00edcia.<\/strong> Z\u00a0tohto poh\u013eadu teda vyhr\u00e1va hypot\u00e9ka. Rozhodovanie v\u0161ak samozrejme ovplyv\u0148uj\u00fa aj in\u00e9 ako len ekonomick\u00e9 faktory. Po\u010fme sa na ne pozrie\u0165 bli\u017e\u0161ie.<\/p>\n<h3><span style=\"color: #ec8124;\">Podn\u00e1jom hlavne pre vetroplachov\u00a0<\/span><\/h3>\n<p>Sk\u00faste si polo\u017ei\u0165 zop\u00e1r \u010fal\u0161\u00edch ot\u00e1zok. <strong>Men\u00edte \u010dasto pr\u00e1cu, pr\u00edpadne \u010dasto cestujete a domov sa chod\u00edte vyslovene iba vyspa\u0165? <\/strong>Chcete si e\u0161te u\u017e\u00edva\u0165, rodinu nepl\u00e1nujete, potrebujete vo\u013enos\u0165 a nech\u00e1te sa un\u00e1\u0161a\u0165 \u017eivotom, kam v\u00e1s zaveje? Ak ste na viac z t\u00fdchto ot\u00e1zok odpovedali \u00e1no, prenajat\u00fd byt sa zd\u00e1 by\u0165 pre v\u00e1s vhodnej\u0161\u00edm rie\u0161en\u00edm.<\/p>\n<p>Plat\u00ed to predov\u0161etk\u00fdm pre mlad\u00fdch \u013eud\u00ed, ktor\u00ed pracuj\u00fa vo svojom prvom zamestnan\u00ed a nechc\u00fa sa e\u0161te viaza\u0165 na jednu lokalitu. Okrem toho s\u00fa v s\u00favislosti s komfortom b\u00fdvania nen\u00e1ro\u010dn\u00ed, a tak sa o n\u00e1klady, niekedy dokonca aj o izbu pokojne podelia s kamar\u00e1tmi. Navy\u0161e, ak je \u010dlovek v\u00a0podn\u00e1jme, nemus\u00ed sa s\u00e1m stara\u0165 o\u00a0nevyhnutn\u00e9 opravy, investova\u0165 do rekon\u0161trukcie alebo rie\u0161i\u0165 platenie dan\u00ed a\u00a0in\u00e9 povinnosti a\u00a0papierova\u010dky spojen\u00e9 s b\u00fdvan\u00edm. Jednoducho,<strong> pren\u00e1jom je \u00a0ove\u013ea pohodlnej\u0161\u00ed. Mimochodom, po\u010das tohto obdobia si m\u00f4\u017eete postupne naspori\u0165 na vstupn\u00fd kapit\u00e1l pre bud\u00facu hypot\u00e9ku, <\/strong>ke\u010f sa pre \u0148u nesk\u00f4r rozhodnete.<\/p>\n<h3><span style=\"color: #ec8124;\">Kto by nad k\u00fapou nehnute\u013enosti nemal v\u00e1ha\u0165<\/span><\/h3>\n<p>Ak sa naopak chcete usadi\u0165 a <strong>ste pevne rozhodnut\u00ed \u017ei\u0165 na jednom mieste, k\u00fapa bytu \u010di domu je pre v\u00e1s vhodnej\u0161\u00edm rie\u0161en\u00edm. <\/strong>Po prv\u00e9, nikto v\u00e1s nebude kontrolova\u0165 a vlastn\u00e9 b\u00fdvanie si zariadite pod\u013ea svojich predst\u00e1v. Mesa\u010dn\u00e9 spl\u00e1tky hypot\u00e9ky m\u00e1te garantovan\u00e9 aspo\u0148 na obdobie fix\u00e1cie hypot\u00e9ky, pri\u010dom v\u00fd\u0161ku n\u00e1jmu by v\u00e1m mohol n\u00e1jomca kedyko\u013evek zv\u00fd\u0161i\u0165. A napokon, ak pl\u00e1nujete rodinu, zrejme budete potrebova\u0165 aj v\u00e4\u010d\u0161iu nehnute\u013enos\u0165, viac priestoru a aj \u010dlenenie priestoru budete chcie\u0165 prisp\u00f4sobi\u0165 rodine, \u010do si v\u00a0podn\u00e1jme nem\u00f4\u017eete dovoli\u0165.<\/p>\n<p>Argument, \u017ee na hypot\u00e9ke ve\u013ea prerob\u00edte, lebo banka si na \u00farokoch zinkasuje prive\u013ea pe\u0148az\u00ed, u\u017e dnes tie\u017e neobstoj\u00ed. Ak predsa plat\u00edte n\u00e1jom, ten v\u00a0celej v\u00fd\u0161ke ostane v\u00a0cudz\u00edch ruk\u00e1ch. <strong>\u00darokov\u00e9 sadzby na hypot\u00e9kach s\u00fa st\u00e1le rekordne n\u00edzke<\/strong> a navy\u0161e, ak sa v\u00e1m ob\u010das podar\u00ed men\u0161iu \u010diastku pe\u0148az\u00ed u\u0161etri\u0165 a\u00a0odlo\u017ei\u0165 bokom, m\u00f4\u017eete ju pou\u017ei\u0165 na mimoriadnu spl\u00e1tku hypot\u00e9ky, zn\u00ed\u017ei\u0165 si splatnos\u0165 \u00faveru a\u00a0<strong>na \u00farokoch tak napokon prerob\u00edte menej.<\/strong><\/p>\n<p><iframe id=\"banner\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" src=\"https:\/\/www.fingo.sk\/banner\/version2?utm_source=web&amp;utm_medium=nejakymedium&amp;utm_campaign=nejakakampan\" name=\"banner\" width=\" 90%\" height=\"368\" frameborder=\"0\" scrolling=\"1\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<h3><span style=\"color: #ec8124;\">Pora\u010fte sa so sk\u00fasen\u00fdm odborn\u00edkom<\/span><\/h3>\n<p><strong>Ak st\u00e1le v\u00e1hate medzi podn\u00e1jmom a\u00a0k\u00fapou bytu na hypot\u00e9ku, ur\u010dite sa obr\u00e1\u0165te na sk\u00fasen\u00e9ho odborn\u00edka, <\/strong>ktor\u00fd dok\u00e1\u017ee pos\u00fadi\u0165 v\u0161etky okolnosti va\u0161ej situ\u00e1cie a\u00a0n\u00e1js\u0165 pre v\u00e1s to najv\u00fdhodnej\u0161ie rie\u0161enie. Aktu\u00e1lne ponuky jednotliv\u00fdch b\u00e1nk si m\u00f4\u017eete jednoducho porovna\u0165 na <span style=\"color: #ec8124;\"><a style=\"color: #ec8124;\" href=\"http:\/\/www.fingo.sk\">www.fingo.sk<\/a><\/span>. N\u00e1\u0161 oper\u00e1tor z\u00a0kontaktn\u00e9ho centra v\u00e1m n\u00e1sledne zavol\u00e1,\u00a0polo\u017e\u00ed nieko\u013eko dopl\u0148uj\u00facich ot\u00e1zok a\u00a0dohodne stretnutie s\u00a0vhodn\u00fdm sk\u00fasen\u00fdm odborn\u00edkom. Finan\u010dn\u00ed \u0161pecialisti FinGO.sk p\u00f4sobia na celom Slovensku.<\/p>\n<p><em>\u201ePre r\u00fdchle zorientovanie v\u00a0aktu\u00e1lnej situ\u00e1cii na trhu hypot\u00e9k sl\u00fa\u017ei aj n\u00e1\u0161 jednoduch\u00fd <\/em><em><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">online\u00a0porovn\u00e1va\u010d<\/a>. <\/em><em><strong>P\u00e1r klikov sta\u010d\u00ed na to, aby ste z\u00edskali preh\u013ead o\u00a0pon\u00fakan\u00fdch hypot\u00e9kach a\u00a0\u00farokov\u00fdch sadzb\u00e1ch v\u00a0jednotliv\u00fdch bank\u00e1ch.\u00a0<\/strong><\/em><em>Pod\u013ea zvolenej v\u00fd\u0161ky a\u00a0d\u013a\u017eky spl\u00e1cania \u00faveru okam\u017eite zist\u00edte v\u00fd\u0161ku mesa\u010dn\u00fdch spl\u00e1tok hypot\u00e9ky a\u00a0m\u00f4\u017eete si ju porovna\u0165 s\u00a0mesa\u010dn\u00fdm n\u00e1jmom,\u201c<\/em> rad\u00ed Eva \u0160ablov\u00e1. Odborn\u00ed\u010dka z\u00e1rove\u0148 podotkla, \u017ee hypot\u00e9ky si dnes v\u010faka n\u00edzkym \u00farokov\u00fdm sadzb\u00e1m be\u017ene ber\u00fa aj mlad\u00ed \u013eudia, netreba sa toho ob\u00e1va\u0165<em>. \u201eAk sa klienti nesk\u00f4r rozhodn\u00fa pre v\u00e4\u010d\u0161\u00ed byt alebo pre b\u00fdvanie v\u00a0inej lokalite, je to prirodzen\u00e9 a\u00a0ni\u010d nezvy\u010dajn\u00e9. <strong>Dnes nie je probl\u00e9m preda\u0165 nehnute\u013enos\u0165 aj s \u0165archou vo forme hypot\u00e9ky, deje sa to be\u017ene,\u201c<\/strong><\/em> dod\u00e1va.<\/p>\n<h3><span style=\"color: #ec8124;\">\u017deby predsa vyhrala hypot\u00e9ka?<\/span><\/h3>\n<p><strong>Pri rozhodovan\u00ed nezab\u00fadajte na vlastn\u00e9 potreby a\u00a0osobn\u00e9 preferencie.<\/strong> Nie ka\u017ed\u00fd chce ma\u0165 rodinu a \u017ei\u0165 na jednom mieste po cel\u00fd \u017eivot, ale ako vysvetlila odborn\u00ed\u010dka, ani \u201evetroplachovia\u201c sa nemusia b\u00e1\u0165, ke\u010f\u017ee nehnute\u013enos\u0165 dnes dok\u00e1\u017eu jednoducho preda\u0165 aj s\u00a0hypot\u00e9kou.\u00a0 Predstava, \u017ee cel\u00fd \u017eivot plat\u00edte za b\u00fdvanie do cudzieho vrecka a\u00a0napokon v\u00e1m a\u00a0va\u0161im bl\u00edzkym ni\u010d neostane, neznie l\u00e1kavo<em>.<\/em><\/p>\n<p><em>\u201eVlastn\u00e1 nehnute\u013enos\u0165 je v\u00fdborn\u00e1 invest\u00edcia. \u00darokov\u00e9 sadzby na hypot\u00e9kach s\u00fa st\u00e1le na svojich historick\u00fdch minim\u00e1ch, banky tak po\u017ei\u010diavaj\u00fa \u013eu\u010fom na b\u00fdvanie lacnej\u0161ie ako kedyko\u013evek predt\u00fdm a nikto nevie, dokedy tento stav potrv\u00e1. Na hypot\u00e9ku je teda st\u00e1le spr\u00e1vny \u010das a ak by v\u00e1s odr\u00e1dzali spr\u00edsnen\u00e9 j\u00falov\u00e9 pravidl\u00e1 pri poskytovan\u00ed \u00faverov, nemus\u00edte to bra\u0165 tak tragicky. St\u00e1le existuj\u00fa <strong>viacer\u00e9 mo\u017enosti ako m\u00f4\u017eete potrebn\u00fa v\u00fd\u0161ku svojej hypot\u00e9ky dofinancova\u0165. Na\u0161i sprostredkovatelia v\u00e1m s\u00a0t\u00fdm radi pom\u00f4\u017eu ,\u201c<\/strong><\/em> dod\u00e1va Eva \u0160ablov\u00e1 zo spolo\u010dnosti FinGO.sk.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cesta za vlastn\u00fdm b\u00fdvan\u00edm bude u\u017e o\u00a0p\u00e1r dn\u00ed op\u00e4\u0165 o\u00a0nie\u010do zlo\u017eitej\u0161ia. V j\u00fali sa toti\u017e na Slovensku zav\u0155\u0161i vlna legislat\u00edvnych opatren\u00ed, ktor\u00e9 od minul\u00e9ho roku postupne spr\u00edsnili poskytovanie \u00faverov na b\u00fdvanie. \u201eOd 1. 7. 2019 banky povinne zaved\u00fa posledn\u00fa \u00fapravu, a\u00a0s\u00edce zn\u00ed\u017eia podiel hypot\u00e9k s\u00a0LTV nad 80 % o\u00a0\u010fal\u0161\u00edch 5 percent. K hypot\u00e9ke na nov\u00fd byt \u010di dom sa tak dostane menej \u013eud\u00ed a navy\u0161e, \u00favery nad 80 % z hodnoty nehnute\u013enosti s\u00fa z\u00e1rove\u0148 aj menej v\u00fdhodn\u00e9. Ke\u010f\u017ee banky sa pri nich vystavuj\u00fa vy\u0161\u0161iemu riziku napr. z d\u00f4vodu poklesu cien nehnute\u013enost\u00ed, \u00faroky v\u00a0tomto pr\u00edpade schva\u013euj\u00fa zhruba o 0,5 percenta vy\u0161\u0161ie,\u201c vysvet\u013euje riadite\u013eka pre \u00favery spolo\u010dnosti FinGO.sk Eva \u0160ablov\u00e1. Najm\u00e4 mlad\u00ed, bez vlastn\u00fdch finan\u010dn\u00fdch zdrojov preto logicky uva\u017euj\u00fa, \u010di nie je jednoduch\u0161ie b\u00fdva\u0165 v prenajatom byte ako vo vlastnom. V\u00a0tomto \u010dl\u00e1nku sa pok\u00fasime porovna\u0165 obe alternat\u00edvy b\u00fdvania. Porovnajte si celkov\u00e9 v\u00fddavky Pri posudzovan\u00ed oboch sp\u00f4sobov b\u00fdvania sa asi v\u00e4\u010d\u0161ina z n\u00e1s pozer\u00e1 v\u00a0prvom rade na cenu a\u00a0celkov\u00e9 v\u00fddavky. Jednoducho, ko\u013eko za b\u00fdvanie zaplat\u00edme, resp. ko\u013eko prerob\u00edme. Ako na to? Sta\u010d\u00ed si porovna\u0165 mesa\u010dn\u00fa v\u00fd\u0161ku pren\u00e1jmu s v\u00fd\u0161kou spl\u00e1tky hypot\u00e9ky, ku ktorej prir\u00e1tame aj n\u00e1klady na energie, fond opr\u00e1v \u010di in\u00e9 v\u00fddavky pre bytov\u00e9 dru\u017estvo. Pri aktu\u00e1lnych, e\u0161te st\u00e1le rekordne n\u00edzkych \u00farokov\u00fdch [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":1022,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[118,81,32,33],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka vs. podn\u00e1jom. \u010co je v\u00fdhodnej\u0161ie? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"V j\u00fali sa zav\u0155\u0161i vlna opatren\u00ed, ktor\u00e9 spr\u00edsnili poskytovanie hypot\u00e9k. Najm\u00e4 mlad\u00ed preto uva\u017euj\u00fa, \u010di nie je jednoduch\u0161ie b\u00fdva\u0165 v podn\u00e1jme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-vs-podnajom\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ka vs. podn\u00e1jom. \u010co je v\u00fdhodnej\u0161ie? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"V j\u00fali sa zav\u0155\u0161i vlna opatren\u00ed, ktor\u00e9 spr\u00edsnili poskytovanie hypot\u00e9k. 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