{"id":10577,"date":"2025-09-12T13:35:07","date_gmt":"2025-09-12T11:35:07","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10577"},"modified":"2025-10-29T14:55:55","modified_gmt":"2025-10-29T13:55:55","slug":"ako-ziskat-lacnejsi-hypotekarny-uver","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/","title":{"rendered":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver?"},"content":{"rendered":"\n<p><strong>H\u013ead\u00e1te sp\u00f4sob, ako za svoj hypotek\u00e1rny \u00faver plati\u0165 menej? M\u00e1me pre v\u00e1s tipy, ako si zn\u00ed\u017ei\u0165 mesa\u010dn\u00e9 spl\u00e1tky a u\u0161etri\u0165. Oplat\u00ed sa vyjedn\u00e1va\u0165 so svojou bankou, alebo rad\u0161ej refinancova\u0165? O tom, \u010do je v\u00fdhodnej\u0161ie, \u010dasto rozhoduj\u00fa pr\u00e1ve detaily.<\/strong><\/p>\n\n\n\n<p>K\u00fdm v rokoch 2023 a 2024 si \u013eudia be\u017ene brali hypot\u00e9ky s \u00farokmi v rozmedz\u00ed 4 a\u017e 5 %, v s\u00fa\u010dasnosti sa najlep\u0161ie \u00farokov\u00e9 sadzby pohybuj\u00fa na cite\u013ene ni\u017e\u0161ej \u00farovni. Ak m\u00e1te vy\u0161\u0161\u00ed \u00farok, rozhodne sa v\u00e1m oplat\u00ed poobzera\u0165 sa po mo\u017enostiach, ako si ho zn\u00ed\u017ei\u0165.<\/p>\n\n\n\n<ul>\n<li>M\u00f4\u017ee sa v\u00e1m to podari\u0165 vo va\u0161ej p\u00f4vodnej banke, ktor\u00e1 v\u00e1m prehodnot\u00ed \u00farok mimo v\u00fdro\u010dia fix\u00e1cie.<\/li>\n\n\n\n<li>Alebo sa m\u00f4\u017eete porozhliadnu\u0165 po lep\u0161\u00edch \u00farokoch <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie\">v in\u00fdch bank\u00e1ch<\/a> a hypot\u00e9ku refinancova\u0165.<\/li>\n\n\n\n<li>Ale pozor! Pri rozhodovan\u00ed o zn\u00ed\u017een\u00ed \u00faroku zohr\u00e1vaj\u00fa rolu aj poplatky, ktor\u00e9 sa v bank\u00e1ch l\u00ed\u0161ia a ovplyv\u0148uj\u00fa celkov\u00fa v\u00fdhodnos\u0165 zmeny \u00faveru.<\/li>\n\n\n\n<li>Ide napr\u00edklad o poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky, poplatok za spracovanie \u00faveru v novej banke, za kataster aj za znaleck\u00fd posudok, ak bude potrebn\u00fd.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_mortgage\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=mortgage\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<p>TIP: Rozhodovanie preto konzultujte <a href=\"https:\/\/www.fingo.sk\/kontakty\">s finan\u010dn\u00fdm makl\u00e9rom<\/a>, ktor\u00fd m\u00e1 k dispoz\u00edcii v\u0161etky potrebn\u00e9 inform\u00e1cie o poplatkoch a kampaniach r\u00f4znych b\u00e1nk. Aj o tom, ktor\u00e1 banka v\u00e1m dok\u00e1\u017ee pon\u00faknu\u0165 e\u0161te ni\u017e\u0161iu sadzbu, ako je ofici\u00e1lne vyhl\u00e1sen\u00fd \u00farok a za ak\u00fdch podmienok.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">V\u00e4\u010d\u0161ina b\u00e1nk je ochotn\u00e1 zn\u00ed\u017ei\u0165 \u00farok \u2013 a vy tomu viete pom\u00f4c\u0165.<\/h2>\n\n\n\n<p>Prvou, ove\u013ea jednoduch\u0161ou a \u010dasto aj v\u00fdhodnej\u0161ou mo\u017enos\u0165ou, ako si zlacnie\u0165 hypot\u00e9ku, je zn\u00ed\u017eenie \u00faroku v banke, kde spl\u00e1cate \u00faver. <em><\/em><\/p>\n\n\n\n<ul>\n<li>V\u00e4\u010d\u0161ina b\u00e1nk v\u00e1m ochotne uprav\u00ed \u00farok na hypot\u00e9ke aj mimo v\u00fdro\u010dia fix\u00e1cie.<\/li>\n\n\n\n<li>Tieto tzv. reten\u010dn\u00e9 ponuky v\u0161ak nie s\u00fa pre ka\u017ed\u00e9ho a s\u00fa ve\u013emi individu\u00e1lne.<\/li>\n\n\n\n<li>Banky s\u00fa ochotnej\u0161ie upravi\u0165 \u00farok napr\u00edklad tak\u00fdm klientom, ktor\u00ed im prin\u00e1\u0161aj\u00fa profit aj vyu\u017e\u00edvan\u00edm in\u00fdch slu\u017eieb.<\/li>\n\n\n\n<li>Preto si do banky preneste platobn\u00fd styk a vyu\u017e\u00edvajte \u00fa\u010det akt\u00edvnej\u0161ie. Obraty na \u00fa\u010dte \u010di pravideln\u00e9 platby v\u00e1m z\u00e1rove\u0148 m\u00f4\u017eu zn\u00ed\u017ei\u0165 poplatok za vedenie \u00fa\u010dtu.<\/li>\n<\/ul>\n\n\n\n<p>\u010co sa t\u00fdka poplatkov za zn\u00ed\u017eenie \u00faroku, \u010di\u017ee za zmenu \u00faverovej zmluvy, tie s\u00fa r\u00f4zne. Niektor\u00e9 banky ich maj\u00fa stanoven\u00e9 percentom vo v\u00fd\u0161ke 0,07 % alebo 0,5 % zo zostatku \u00faveru, in\u00e9 maj\u00fa pevn\u00e9 poplatky od 166 do 200 eur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"550\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/sprava-hypoteky_banky_29-10-B.png\" alt=\"\" class=\"wp-image-10737\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/sprava-hypoteky_banky_29-10-B.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/sprava-hypoteky_banky_29-10-B-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/sprava-hypoteky_banky_29-10-B-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pri refinancovan\u00ed zohr\u00e1vaj\u00fa rolu viacer\u00e9 poplatky<\/h2>\n\n\n\n<p>\u010eal\u0161ou mo\u017enos\u0165ou, ako si zlacni\u0165 \u00farok, je prenies\u0165 si hypot\u00e9ku do inej banky. V\u010faka refinancovaniu tak m\u00f4\u017eete z\u00edska\u0165 s\u00fa\u010dasn\u00fd ni\u017e\u0161\u00ed \u00farok, aj ke\u010f ste si hypot\u00e9ku brali v hor\u0161om obdob\u00ed. Mali by ste v\u0161ak zoh\u013eadni\u0165 n\u00e1klady, ktor\u00e9 s\u00fa s t\u00fdm spojen\u00e9.<\/p>\n\n\n\n<ul>\n<li>Na poplatok za spracovanie \u00faveru pri refinan\u010dn\u00fdch hypot\u00e9kach banky obvykle poskytuj\u00fa 100 %  z\u013eavu.<\/li>\n\n\n\n<li>Najvy\u0161\u0161ou polo\u017ekou b\u00fdva poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky v p\u00f4vodnej banke. Ten je vo v\u00fd\u0161ke 1 % zo zostatku \u00faveru.<\/li>\n\n\n\n<li>S\u00fa aj banky, ktor\u00e9 klientom s refinan\u010dnou hypot\u00e9kou poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky prepl\u00e1caj\u00fa, pr\u00edpadne poskytn\u00fa bonus v podobe vr\u00e1tenia nieko\u013ek\u00fdch spl\u00e1tok \u00faveru.<\/li>\n\n\n\n<li>Aj v tomto pr\u00edpade sa oplat\u00ed obr\u00e1ti\u0165 <a href=\"https:\/\/www.fingo.sk\/kontakty\">na sk\u00fasen\u00e9ho finan\u010dn\u00e9ho makl\u00e9ra.<\/a> V\u010faka tomu, \u017ee m\u00e1 komplexn\u00fd preh\u013ead o \u00farokoch, podmienkach aj benefitoch jednotliv\u00fdch b\u00e1nk, dok\u00e1\u017ee v\u00e1m flexibilne a adresne navrhn\u00fa\u0165 optim\u00e1lne rie\u0161enie.<\/li>\n\n\n\n<li>Prepo\u010d\u00edta v\u00e1m mo\u017en\u00fa \u00fasporu v spl\u00e1tke, z\u00e1rove\u0148 zoh\u013eadn\u00ed aj preplatenie \u00faveru do konca v\u00fdro\u010dia fix\u00e1cie a v\u0161etky n\u00e1klady spojen\u00e9 s refinancovan\u00edm.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=refi_gif\"><img decoding=\"async\" width=\"1350\" height=\"738\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/fingo-kalkulacka-refinancovanie-hypoteky.gif\" alt=\"Fingo.sk refinancovanie hypot\u00e9ky kalkula\u010dka\" class=\"wp-image-5451\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">PR\u00cdKLADY Z PRAXE<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"855\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-1-B-1.png\" alt=\"\" class=\"wp-image-10585\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-1-B-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-1-B-1-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-1-B-1-768x641.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"has-text-color\" style=\"color:#ec8124\">V\u00fdsledok?<\/h4>\n\n\n\n<p><em>Napriek n\u00e1kladom na refinancovanie \u00faveru sa klientovi viac oplat\u00ed refinancovanie, teda prenesenie \u00faveru do novej banky. Je to najm\u00e4 preto, \u017ee m\u00f4\u017ee z\u00edska\u0165 benefit vo forme preplatenia spl\u00e1tok vo v\u00fd\u0161ke 1 500 \u20ac, ktor\u00fd mu pokryje poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky aj n\u00e1klady na kataster. Ak by na tento benefit nemal n\u00e1rok, viac by sa mu oplatilo zosta\u0165 v p\u00f4vodnej banke, hoci mu pon\u00fakla vy\u0161\u0161\u00ed \u00farok. <\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"788\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-2-B-2.png\" alt=\"\" class=\"wp-image-10588\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-2-B-2.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-2-B-2-300x231.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-2-B-2-768x591.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/sprava-hypoteky_priklad-2-B-2-520x400.png 520w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"has-text-color\" style=\"color:#ec8124\">V\u00fdsledok?<\/h4>\n\n\n\n<p><em>Napriek tomu, \u017ee tento klient by mal o 100 \u20ac vy\u0161\u0161\u00ed n\u00e1klad za \u00fapravu \u00faroku v p\u00f4vodnej banke ne\u017e pri prenose hypot\u00e9ky, jeho zostatok hypot\u00e9ky k v\u00fdro\u010diu fix\u00e1cie po \u00faprave \u00faroku vo vlastnej banke by bol o 117 \u20ac ni\u017e\u0161\u00ed, ako keby sa rozhodol pre refinancovanie. V tomto pr\u00edpade sa teda klientovi oplat\u00ed vyu\u017ei\u0165 lep\u0161\u00ed \u00farok pon\u00faknut\u00fd vlastnou bankou napriek vy\u0161\u0161\u00edm n\u00e1kladom na zmenu zmluvy. V\u00fdhodou je ur\u010dite aj to, \u017ee nemus\u00ed meni\u0165 banku a zvyka\u0165 si na nov\u00fa bankov\u00fa aplik\u00e1ciu a slu\u017eby. <\/em><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">\u010co ak spl\u00e1cate dve hypot\u00e9ky? Lacnej\u0161iu aj drah\u0161iu\u2026<\/h2>\n\n\n\n<p>Dnes je celkom be\u017en\u00e9, \u017ee \u013eudia spl\u00e1caj\u00fa dokonca dve hypot\u00e9ky. Jednu \u010derpali d\u00e1vnej\u0161ie napr\u00edklad na <a href=\"https:\/\/www.fingo.sk\/blog\/zalozenie-nehnutelnosti-pri-hypoteke-ake-byty-a-domy-su-vhodne-a-ktore-maju-stopku\/\">k\u00fapu nehnute\u013enosti<\/a> a po \u010dase si zobrali e\u0161te jeden \u00faver napr\u00edklad na rekon\u0161trukciu. V s\u00fa\u010dasnosti sa st\u00e1va, \u017ee na jednej z hypot\u00e9k m\u00e1 klient menej v\u00fdhodn\u00fd \u00farok, zatia\u013e \u010do na druhej m\u00e1 e\u0161te historicky v\u00fdrazne ni\u017e\u0161\u00ed \u00farok.<\/p>\n\n\n\n<p>Aj tu sa d\u00e1 zv\u00e1\u017ei\u0165 spojenie \u00faverov do jednej spl\u00e1tky. Av\u0161ak pr\u00e1ve v tejto situ\u00e1cii je nutn\u00e9 detailne prepo\u010d\u00edta\u0165, \u010di m\u00e1 zmysel vzda\u0165 sa v\u00fdhodnej\u0161ej hypot\u00e9ky, kedy na nej kon\u010d\u00ed fix\u00e1cia a z\u00e1rove\u0148 je potrebn\u00e9 zoh\u013eadni\u0165 aj zostatky oboch hypot\u00e9k. Ide u\u017e o komplikovanej\u0161ie v\u00fdpo\u010dty, na ktor\u00e9 maj\u00fa na\u0161i finan\u010dn\u00ed \u0161pecialisti z FinGO.sk sofistikovan\u00e9 n\u00e1stroje a vedia vypo\u010d\u00edta\u0165 aj v\u00fdhodnos\u0165 tak\u00e9hoto refinancovania.<\/p>\n\n\n\n<p>Ka\u017edop\u00e1dne, aj v tomto pr\u00edpade je vhodn\u00e9 najsk\u00f4r oslovi\u0165 vlastn\u00fa banku, kde \u010dlovek obe hypot\u00e9ky spl\u00e1ca a op\u00fdta\u0165 sa, ako mu vie vyjs\u0165 v \u00fastrety.<\/p>\n\n\n\n<p><strong><em>Kupujete rodinn\u00fd dom? Pre\u010d\u00edtajte si <a href=\"https:\/\/www.fingo.sk\/blog\/kupa-rodinneho-domu-na-co-si-dat-pozor-comu-sa-vyhnut-a-ako-vybavit-hypoteku\/\">blog o tom, na \u010do si d\u00e1va\u0165 pozor<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pri vyjedn\u00e1van\u00ed v\u00e1m pom\u00f4\u017eu konkuren\u010dn\u00e9 ponuky&nbsp;<\/h2>\n\n\n\n<p>Kde teda za\u010da\u0165? Ide\u00e1lne je, ak oslov\u00edte <a href=\"https:\/\/www.fingo.sk\/kontakty\">sk\u00fasen\u00e9ho makl\u00e9ra<\/a>, ktor\u00fd v\u00e1m porovn\u00e1 hypotek\u00e1rne mo\u017enosti vo v\u0161etk\u00fdch bank\u00e1ch a priprav\u00ed v\u00e1m ponuky na mieru. Komplexn\u00e9 ponuky od konkuren\u010dn\u00fdch b\u00e1nk si budete vedie\u0165 porovna\u0165 s aktu\u00e1lnymi mo\u017enos\u0165ami, ktor\u00e9 v\u00e1m d\u00e1va va\u0161a vlastn\u00e1 banka.<\/p>\n\n\n\n<p>TIP: Aj pri vyjedn\u00e1van\u00ed \u00fapravy podmienok na p\u00f4vodnej hypot\u00e9ke \u010dasto pom\u00f4\u017ee pr\u00e1ve to, ak budete ma\u0165 v ruke konkuren\u010dn\u00e9 ponuky, ktor\u00e9 s\u00fa \u0161it\u00e9 na va\u0161u situ\u00e1ciu.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">FinGO.sk hypot\u00e9kam rozumie<\/h2>\n\n\n\n<p>Tak ako m\u00e1 ka\u017ed\u00e1 banka in\u00e9 podmienky, m\u00e1 aj rozli\u010dn\u00fd pr\u00edstup pri snahe zachr\u00e1ni\u0165 existuj\u00faceho klienta.<\/p>\n\n\n\n<p>Na\u0161i odborn\u00edci na hypot\u00e9ky z FinGO.sk maj\u00fa preh\u013ead o celom trhu. Na z\u00e1klade svojich sk\u00fasenost\u00ed vedia pos\u00fadi\u0165, kde sa e\u0161te d\u00e1 zjedn\u00e1va\u0165 a \u010di sa rokovanie s bankou o zlacnen\u00ed hypot\u00e9ky e\u0161te d\u00e1 niekam posun\u00fa\u0165. Maj\u00fa preh\u013ead aj o spom\u00ednan\u00fdch benefitoch preplatenia poplatku za pred\u010dasn\u00e9 splatenie \u010di vr\u00e1tenia spl\u00e1tok, ktor\u00e9 m\u00f4\u017eu rozhodn\u00fa\u0165 v prospech refinancovania.<\/p>\n\n\n\n<p>Nev\u00e1hajte n\u00e1s kontaktova\u0165 \u2013 radi si s vami prejdeme v\u0161etky mo\u017enosti.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u013ead\u00e1te sp\u00f4sob, ako za svoj hypotek\u00e1rny \u00faver plati\u0165 menej? M\u00e1me pre v\u00e1s tipy, ako si zn\u00ed\u017ei\u0165 mesa\u010dn\u00e9 spl\u00e1tky a u\u0161etri\u0165. Oplat\u00ed sa vyjedn\u00e1va\u0165 so svojou bankou, alebo rad\u0161ej refinancova\u0165? O tom, \u010do je v\u00fdhodnej\u0161ie, \u010dasto rozhoduj\u00fa pr\u00e1ve detaily. K\u00fdm v rokoch 2023 a 2024 si \u013eudia be\u017ene brali hypot\u00e9ky s \u00farokmi v rozmedz\u00ed 4 a\u017e 5 %, v s\u00fa\u010dasnosti sa najlep\u0161ie \u00farokov\u00e9 sadzby pohybuj\u00fa na cite\u013ene ni\u017e\u0161ej \u00farovni. Ak m\u00e1te vy\u0161\u0161\u00ed \u00farok, rozhodne sa v\u00e1m oplat\u00ed poobzera\u0165 sa po mo\u017enostiach, ako si ho zn\u00ed\u017ei\u0165. TIP: Rozhodovanie preto konzultujte s finan\u010dn\u00fdm makl\u00e9rom, ktor\u00fd m\u00e1 k dispoz\u00edcii v\u0161etky potrebn\u00e9 inform\u00e1cie o poplatkoch a kampaniach r\u00f4znych b\u00e1nk. Aj o tom, ktor\u00e1 banka v\u00e1m dok\u00e1\u017ee pon\u00faknu\u0165 e\u0161te ni\u017e\u0161iu sadzbu, ako je ofici\u00e1lne vyhl\u00e1sen\u00fd \u00farok a za ak\u00fdch podmienok. V\u00e4\u010d\u0161ina b\u00e1nk je ochotn\u00e1 zn\u00ed\u017ei\u0165 \u00farok \u2013 a vy tomu viete pom\u00f4c\u0165. Prvou, ove\u013ea jednoduch\u0161ou a \u010dasto aj v\u00fdhodnej\u0161ou mo\u017enos\u0165ou, ako si zlacnie\u0165 hypot\u00e9ku, je zn\u00ed\u017eenie \u00faroku v banke, kde spl\u00e1cate \u00faver. \u010co sa t\u00fdka poplatkov za zn\u00ed\u017eenie \u00faroku, \u010di\u017ee za zmenu \u00faverovej zmluvy, tie s\u00fa r\u00f4zne. Niektor\u00e9 banky ich maj\u00fa stanoven\u00e9 percentom vo v\u00fd\u0161ke 0,07 % alebo 0,5 % zo zostatku \u00faveru, in\u00e9 maj\u00fa pevn\u00e9 poplatky od 166 do 200 eur. Pri refinancovan\u00ed zohr\u00e1vaj\u00fa rolu [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":10592,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,229],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.\" \/>\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\/ako-ziskat-lacnejsi-hypotekarny-uver\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-12T11:35:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T13:55:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/hypotekarny-uver.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eva \u0160ablov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eva \u0160ablov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\"},\"author\":{\"name\":\"Eva \u0160ablov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\"},\"headline\":\"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver?\",\"datePublished\":\"2025-09-12T11:35:07+00:00\",\"dateModified\":\"2025-10-29T13:55:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\"},\"wordCount\":1270,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"ako na hypot\u00e9ku\",\"\u00farokov\u00e9 sadzby na hypot\u00e9kach\"],\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\",\"name\":\"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-09-12T11:35:07+00:00\",\"dateModified\":\"2025-10-29T13:55:55+00:00\",\"description\":\"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.fingo.sk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hypot\u00e9ky\",\"item\":\"https:\/\/www.fingo.sk\/blog\/category\/hypoteky\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"name\":\"FinGO.sk\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\",\"name\":\"FINGO.SK s. r. o.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"width\":983,\"height\":1000,\"caption\":\"FINGO.SK s. r. o.\"},\"image\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb\",\"name\":\"Eva \u0160ablov\u00e1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg\",\"caption\":\"Eva \u0160ablov\u00e1\"},\"description\":\"Nieko\u013eko rokov p\u00f4sobila v banke ako osobn\u00fd bank\u00e1r a nesk\u00f4r hypotek\u00e1rny \u0161pecialista. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk","description":"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/","og_locale":"sk_SK","og_type":"article","og_title":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk","og_description":"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.","og_url":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/","og_site_name":"FinGO.sk","article_published_time":"2025-09-12T11:35:07+00:00","article_modified_time":"2025-10-29T13:55:55+00:00","og_image":[{"width":1080,"height":720,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/09\/hypotekarny-uver.jpg","type":"image\/jpeg"}],"author":"Eva \u0160ablov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Eva \u0160ablov\u00e1","Predpokladan\u00fd \u010das \u010d\u00edtania":"7 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/"},"author":{"name":"Eva \u0160ablov\u00e1","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb"},"headline":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver?","datePublished":"2025-09-12T11:35:07+00:00","dateModified":"2025-10-29T13:55:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/"},"wordCount":1270,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["ako na hypot\u00e9ku","\u00farokov\u00e9 sadzby na hypot\u00e9kach"],"articleSection":["Hypot\u00e9ky"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/","url":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/","name":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver? - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2025-09-12T11:35:07+00:00","dateModified":"2025-10-29T13:55:55+00:00","description":"Zistite, ako m\u00f4\u017eete plati\u0165 menej za hypotek\u00e1rny \u00faver. Porad\u00edme v\u00e1m, kedy sa oplat\u00ed vyjedn\u00e1va\u0165 s bankou a kedy je v\u00fdhodnej\u0161ie refinancova\u0165.","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lacnejsi-hypotekarny-uver\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9ky","item":"https:\/\/www.fingo.sk\/blog\/category\/hypoteky\/"},{"@type":"ListItem","position":3,"name":"Ako z\u00edska\u0165 lacnej\u0161\u00ed hypotek\u00e1rny \u00faver?"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb","name":"Eva \u0160ablov\u00e1","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","caption":"Eva \u0160ablov\u00e1"},"description":"Nieko\u013eko rokov p\u00f4sobila v banke ako osobn\u00fd bank\u00e1r a nesk\u00f4r hypotek\u00e1rny \u0161pecialista. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.","url":"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10577"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=10577"}],"version-history":[{"count":31,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10577\/revisions"}],"predecessor-version":[{"id":10739,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10577\/revisions\/10739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/10592"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=10577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=10577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=10577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}