{"id":11068,"date":"2026-03-31T14:24:58","date_gmt":"2026-03-31T12:24:58","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11068"},"modified":"2026-03-31T15:28:05","modified_gmt":"2026-03-31T13:28:05","slug":"ako-ziskat-lepsi-urok-na-hypoteke-a-usetrit","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-ziskat-lepsi-urok-na-hypoteke-a-usetrit\/","title":{"rendered":"Ako z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke a u\u0161etri\u0165"},"content":{"rendered":"\n<p><strong>Chcete z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke? Ne\u010dakajte pr\u00edli\u0161 dlho, lebo \u00farokov\u00e9 sadzby sa op\u00e4\u0165 za\u010d\u00ednaj\u00fa dv\u00edha\u0165.<\/strong> <strong>Ak pr\u00e1ve rie\u0161ite b\u00fdvanie a pl\u00e1nujete k\u00fapu nehnute\u013enosti, dne\u0161n\u00e9 \u00faroky si m\u00f4\u017eete zafixova\u0165 aj na nieko\u013eko mesiacov dopredu. A ak u\u017e hypot\u00e9ku m\u00e1te, st\u00e1le je \u010das zabojova\u0165 o lep\u0161ie podmienky. Uk\u00e1\u017eeme v\u00e1m, ako na to. <\/strong><\/p>\n\n\n\n<p>\u00darokov\u00e9 sadzby na nov\u00fdch hypot\u00e9kach sa aktu\u00e1lne pohybuj\u00fa pribli\u017ene medzi 3,2 % a\u017e 3,5 % a ich \u010fal\u0161ie zdra\u017eovanie m\u00f4\u017ee ovplyvni\u0165 s\u00fa\u010dasn\u00e9 dianie vo svete. V obdob\u00ed, ke\u010f sa situ\u00e1cia na hypotek\u00e1rnom trhu ot\u00e1\u010da a \u00faroky rast\u00fa, netreba s hypot\u00e9kou vy\u010dk\u00e1va\u0165. Kto v\u0161etko by mal zbystri\u0165 pozornos\u0165?<\/p>\n\n\n\n<ul>\n<li>Ak<strong> zva\u017eujete k\u00fapu nehnute\u013enosti<\/strong> &#8211; m\u00f4\u017eete si zaisti\u0165 \u00faroky aj 6 a\u017e 12 mesiacov vopred.&nbsp;<\/li>\n\n\n\n<li>Ak spl\u00e1cate hypot\u00e9ku a <strong>v\u00fdro\u010die fix\u00e1cie v\u00e1s \u010dak\u00e1 v priebehu 6 mesiacov <\/strong>&#8211; m\u00f4\u017eete si zabezpe\u010di\u0165 aktu\u00e1lne sadzby vopred.<\/li>\n\n\n\n<li>Ak sa v\u00e1m nebl\u00ed\u017ei v\u00fdro\u010die fix\u00e1cie, ale m\u00e1te<strong> vy\u0161\u0161\u00ed \u00farok <\/strong><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><strong>ako s\u00fa tie s\u00fa\u010dasn\u00e9<\/strong><\/a><strong> &#8211;<\/strong> tie\u017e m\u00f4\u017eete zv\u00e1\u017ei\u0165 prehodnotenie \u00faroku alebo \u010do najskor\u0161ie refinancovanie hypot\u00e9ky.<\/li>\n<\/ul>\n\n\n\n<p>Po\u010fme sa na v\u0161etky spomenut\u00e9 situ\u00e1cie pozrie\u0165 podrobnej\u0161ie\u2026.<\/p>\n\n\n\n<h2>Kto zav\u00e1ha, nesk\u00f4r preplat\u00ed<\/h2>\n\n\n\n<p>Ak zva\u017eujete k\u00fapu bytu alebo domu, v niektor\u00fdch bank\u00e1ch si viete necha\u0165 schv\u00e1li\u0165 hypot\u00e9ku s aktu\u00e1lnymi sadzbami, ale re\u00e1lne ju \u010derpa\u0165 a\u017e o \u0161es\u0165 a\u017e dvan\u00e1s\u0165 mesiacov, k\u00fdm si n\u00e1jdete vhodn\u00fa nehnute\u013enos\u0165. Hovor\u00ed sa tomu tzv. <strong>hypot\u00e9ka naopak. <\/strong>V\u010faka nej si dne\u0161n\u00e9 \u00faroky poist\u00edte a vyhnete sa ich \u010fal\u0161iemu rastu.<\/p>\n\n\n\n<p>Spozornite ale aj v pr\u00edpade, ak u\u017e \u00faver spl\u00e1cate. Ak v\u00e1s \u010dak\u00e1 v\u00fdro\u010die fix\u00e1cie v horizonte<strong> nieko\u013ek\u00fdch mesiacov a\u017e roka<\/strong>, tie\u017e m\u00f4\u017eete vyu\u017ei\u0165<strong> <\/strong>s\u00fa\u010dasn\u00e9 priazniv\u00e9 \u00faroky. U\u017e dnes m\u00f4\u017eete po\u017eiada\u0165 o prehodnotenie sadzby vo svojej banke alebo o refinancovanie \u00faveru ku konkurencii.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" class=\"wp-image-6819\"\/><\/a><\/figure>\n\n\n\n<p>Samozrejme, v\u0161etko z\u00e1vis\u00ed aj od toho, \u010di m\u00e1te na aktu\u00e1lnej hypot\u00e9ke e\u0161te historicky n\u00edzky \u00farok okolo 1 a\u017e 2 %, alebo je va\u0161a hypot\u00e9ka z obdobia rokov 2023 a\u017e 2024, kedy sa \u00faroky postupne vy\u0161plhali a\u017e k 5 %.&nbsp;<\/p>\n\n\n\n<ul>\n<li>Ak m\u00e1te hypot\u00e9ku zafixovan\u00fa<strong> s ni\u017e\u0161\u00edm \u00farokom<\/strong> ako s\u00fa dne\u0161n\u00e9 a va\u0161a fix\u00e1cia nekon\u010d\u00ed v roku 2026 alebo v roku 2027, v tomto pr\u00edpade neodpor\u00fa\u010dame robi\u0165 \u017eiadne zmeny.&nbsp;<\/li>\n\n\n\n<li>Ak m\u00e1te hypot\u00e9ku s ni\u017e\u0161\u00edm \u00farokom a va\u0161a fix\u00e1cia kon\u010d\u00ed v horizonte<strong> najbli\u017e\u0161\u00edch \u0161iestich mesiacov,<\/strong> m\u00f4\u017eete po\u017eiada\u0165 o refinancovanie u\u017e dnes, aby ste si zaistili s\u00fa\u010dasn\u00e9 sadzby, ale s \u010derpan\u00edm po\u010dk\u00e1te a\u017e k v\u00fdro\u010diu fix\u00e1cie.&nbsp;<\/li>\n\n\n\n<li>Takto budete e\u0161te nieko\u013eko mesiacov <strong>spl\u00e1ca\u0165 ni\u017e\u0161ie \u00faroky<\/strong> a z\u00e1rove\u0148 sa vyhnete zv\u00fd\u0161en\u00fdm n\u00e1kladom spojen\u00fdm s refinancovan\u00edm \u00faveru mimo v\u00fdro\u010dia fix\u00e1cie.&nbsp;<\/li>\n\n\n\n<li>Ak m\u00e1te na hypot\u00e9ke vy\u0161\u0161ie \u00faroky ne\u017e s\u00fa aktu\u00e1lne, ur\u010dite by ste mali zv\u00e1\u017ei\u0165 <strong>\u00fapravu \u00faroku<\/strong> \u010do najsk\u00f4r.&nbsp;<\/li>\n\n\n\n<li>Nez\u00e1v\u00e4zn\u00fd prepo\u010det \u00faspory a n\u00e1kladov spojen\u00fdch s re\u0161tartom \u010di refinancovan\u00edm \u00faveru v\u00e1m pom\u00f4\u017ee rozhodn\u00fa\u0165 sa, \u010di sa v\u00e1m zmena hypot\u00e9ky oplat\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP:<\/strong> Podstatn\u00e9 je zauj\u00edma\u0165 sa o svoje mo\u017enosti a vybra\u0165 tak\u00fa cestu, ktor\u00e1 bude najv\u00fdhodnej\u0161ia pr\u00e1ve pre v\u00e1s<em>. <\/em><a href=\"https:\/\/www.fingo.sk\/kontakty\">Kontaktujte n\u00e1s<\/a> \u010do najsk\u00f4r, radi sa pozrieme na va\u0161u situ\u00e1ciu.&nbsp;<\/p>\n\n\n\n<h2>Aj rozdiel v \u00faroku 0,5 % zav\u00e1\u017ei<\/h2>\n\n\n\n<p>Bez oh\u013eadu na to, \u010di zva\u017eujete nov\u00fa hypot\u00e9ku, alebo u\u017e nejak\u00fa spl\u00e1cate, mali by ste vedie\u0165, \u017ee aj zn\u00ed\u017eenie \u00farokovej sadzby o pol percenta m\u00f4\u017ee prinies\u0165 <strong>cite\u013en\u00fa \u00fasporu. <\/strong>V\u0161etko z\u00e1vis\u00ed od va\u0161ej aktu\u00e1lnej \u00farokovej sadzby, od v\u00fd\u0161ky hypot\u00e9ky aj od d\u013a\u017eky jej splatnosti.\u00a0<\/p>\n\n\n\n<p><strong>Pr\u00edklad: <\/strong>Pri hypot\u00e9ke 100-tis\u00edc eur m\u00f4\u017ee rozdiel v \u00faroku 0,5 % znamena\u0165 \u00fasporu mesa\u010dne 27 eur, pri rozdiele o 1 % ide u\u017e o 54 eur a pri 1,5 % dokonca 80 eur, \u010do predstavuje stovky eur ro\u010dne. Pri v\u00e4\u010d\u0161\u00edch, 200-tis\u00edcov\u00fdch \u010di 300-tis\u00edcov\u00fdch \u00faveroch \u00faspory dosahuj\u00fa stovky eur mesa\u010dne a tis\u00edcky eur ro\u010dne.<\/p>\n\n\n\n<p>Viac pr\u00edkladov si m\u00f4\u017eete pozrie\u0165 aj v tabu\u013ek\u00e1ch (\u00fadaje s\u00fa aktualizovan\u00e9 k 1. 4. 2026).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"616\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_2roky2-2.png\" alt=\"\" class=\"wp-image-11082\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_2roky2-2.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_2roky2-2-300x180.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_2roky2-2-768x462.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"616\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_3roky2-2.png\" alt=\"\" class=\"wp-image-11083\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_3roky2-2.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_3roky2-2-300x180.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/03\/hypoteky_snizeni-uroku_3roky2-2-768x462.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2>5 tipov, v\u010faka ktor\u00fdm z\u00edskate lep\u0161\u00ed \u00farok na hypot\u00e9ke<\/h2>\n\n\n\n<h3>1. Nov\u00e1 hypot\u00e9ka \u0161es\u0165\u00a0mesiacov vopred<\/h3>\n\n\n\n<p>Ak rie\u0161ite financovanie b\u00fdvania a <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">uva\u017eujete nad hypot\u00e9kou<\/a>, m\u00f4\u017eete si ju necha\u0165 schv\u00e1li\u0165 aj ke\u010f e\u0161te nem\u00e1te vyhliadnut\u00fa nehnute\u013enos\u0165. Hovor\u00ed sa tomu tzv. hypot\u00e9ka naopak. Po podpise zmluvy <strong>m\u00e1te 6, resp. 12 mesiacov<\/strong> na n\u00e1jdenie vhodnej nehnute\u013enosti.&nbsp;<\/p>\n\n\n\n<p>Aj refinan\u010dn\u00fa hypot\u00e9ku si m\u00f4\u017eete necha\u0165 schv\u00e1li\u0165 teraz, ale re\u00e1lne ju <strong>\u010derpa\u0165 a\u017e o pol roka<\/strong>. Je to v\u00fdhodn\u00e9 najm\u00e4 pre \u013eud\u00ed s ni\u017e\u0161\u00edmi \u00farokmi, ktor\u00ed si t\u00fdmto sp\u00f4sobom ponechaj\u00fa ni\u017e\u0161ie \u00farokov\u00e9 sadzby do konca obdobia fix\u00e1cie a vyhn\u00fa sa tak aj pokute za pred\u010dasn\u00e9 splatenie \u00faveru mimo v\u00fdro\u010dia fix\u00e1cie.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ak v \u010dase v\u00fdro\u010dia fix\u00e1cie pr\u00edde va\u0161a p\u00f4vodn\u00e1 banka s lep\u0161ou ponukou, jednoducho neza\u010dnete \u010derpa\u0165 nov\u00fd \u00faver v inej banke a budete pokra\u010dova\u0165 v spl\u00e1can\u00ed p\u00f4vodnej hypot\u00e9ky.<\/p>\n\n\n\n<p><strong><em>Ak kupujete nov\u00fd byt a pred\u00e1vate star\u00fd, porad\u00edme v\u00e1m, <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/predavate-byt-a-kupujete-novu-nehnutelnost-ako-zosuladit-terminy-hypoteku-a-stahovanie\/\"><strong><em>ako zos\u00faladi\u0165 term\u00edny aj hypot\u00e9ku.&nbsp;&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h3>2. Najsk\u00f4r reten\u010dn\u00e1 ponuka od vlastnej banky<\/h3>\n\n\n\n<p>Ak u\u017e hypot\u00e9ku m\u00e1te a chcete si na nej zn\u00ed\u017ei\u0165 \u00farok, nemus\u00edte v\u017edy meni\u0165 banku. Jednoduchou a \u010dasto v\u00fdhodnou alternat\u00edvou je zn\u00ed\u017eenie \u00faroku priamo<strong> vo va\u0161ej p\u00f4vodnej banke<\/strong>. V\u00e4\u010d\u0161ina b\u00e1nk je ochotn\u00e1 \u00farok upravi\u0165 aj mimo v\u00fdro\u010dia fix\u00e1cie, no v\u00fdsledok z\u00e1vis\u00ed od va\u0161ej konkr\u00e9tnej situ\u00e1cie.&nbsp;<\/p>\n\n\n\n<p>Vy\u0161\u0161iu \u0161ancu na <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">lep\u0161\u00ed \u00farok<\/a> budete ma\u0165 vtedy, ak banke prin\u00e1\u0161ate vy\u0161\u0161\u00ed profit &#8211; napr\u00edklad akt\u00edvnym vyu\u017e\u00edvan\u00edm \u00fa\u010dtu, presmerovan\u00edm pr\u00edjmu alebo pravideln\u00fdmi platbami. V\u00e4\u010d\u0161ina b\u00e1nk si za zn\u00ed\u017eenie \u00faroku \u00fa\u010dtuje mierny poplatok pribli\u017ene<strong> vo v\u00fd\u0161ke 100 a\u017e 200 eur<\/strong>. Niekde je tento poplatok ur\u010den\u00fd ako percento zo zostatku \u00faveru a m\u00f4\u017ee to by\u0165 aj viac.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Pom\u00f4c\u0165 m\u00f4\u017ee aj to, ak m\u00e1te k dispoz\u00edcii konkuren\u010dn\u00e9 ponuky z in\u00fdch b\u00e1nk, ktor\u00e9 m\u00f4\u017eete vyu\u017ei\u0165 pri vyjedn\u00e1van\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h3>3. Refinancovanie \u010dasto aj s benefitmi<\/h3>\n\n\n\n<p>Ak m\u00e1te na hypot\u00e9ke vy\u0161\u0161\u00ed \u00farok ako s\u00fa tie s\u00fa\u010dasn\u00e9 a va\u0161a banka v\u00e1m <strong>nevyjde v \u00fastrety,<\/strong> <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie\">refinancovanie hypot\u00e9ky<\/a> v\u00e1m m\u00f4\u017ee prinies\u0165 re\u00e1lnu \u00fasporu vo v\u00fd\u0161ke desiatok, ale aj stoviek eur mesa\u010dne. V\u0161etko z\u00e1vis\u00ed od va\u0161ej aktu\u00e1lnej \u00farokovej sadzby, od v\u00fd\u0161ky \u00faveru aj od jeho splatnosti.&nbsp;<\/p>\n\n\n\n<p>Niektor\u00e9 banky navy\u0161e pon\u00fakaj\u00fa benefity, ktor\u00e9 m\u00f4\u017eu rozhodn\u00fa\u0165 \u2013 napr\u00edklad preplatenie poplatku za pred\u010dasn\u00e9 splatenie alebo vr\u00e1tenie nieko\u013ek\u00fdch spl\u00e1tok.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ka\u017ed\u00fd pr\u00edpad je v\u0161ak individu\u00e1lny, preto je d\u00f4le\u017eit\u00e9 zv\u00e1\u017ei\u0165, \u010di sa refinancovanie oplat\u00ed pr\u00e1ve v\u00e1m. <a href=\"https:\/\/www.fingo.sk\/kontakty\">Obr\u00e1\u0165te sa na <\/a><a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a>, sk\u00fasen\u00fdch \u0161pecialistov m\u00e1me na celom Slovensku.&nbsp;<\/p>\n\n\n\n<h3>4. Nezabudnite na n\u00e1klady<\/h3>\n\n\n\n<p>Pri rozhodovan\u00ed o refinancovan\u00ed je d\u00f4le\u017eit\u00e9, aby ste brali do \u00favahy v\u0161etky n\u00e1klady spojen\u00e9 so zn\u00ed\u017een\u00edm \u00faroku. <strong>Obzvl\u00e1\u0161\u0165 pri ni\u017e\u0161\u00edch \u00faveroch<\/strong> m\u00f4\u017ee detailn\u00e9 zoh\u013eadnenie poplatkov rozhodn\u00fa\u0165, \u010di sa refinancovanie skuto\u010dne oplat\u00ed. Medzi tie najd\u00f4le\u017eitej\u0161ie patria:<\/p>\n\n\n\n<ul>\n<li>Poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky \u2013 zvy\u010dajne okolo 1 % zo zostatku \u00faveru.<\/li>\n\n\n\n<li>Poplatok za spracovanie \u00faveru v novej banke \u2013 pri refinancovan\u00ed ho v\u00e4\u010d\u0161inou odpustia.<\/li>\n\n\n\n<li>Poplatky spojen\u00e9 s katastrom alebo znaleck\u00fdm posudkom.<\/li>\n<\/ul>\n\n\n\n<p>TIP: Ak budete ma\u0165 tieto n\u00e1klady dopredu preh\u013eadne spo\u010d\u00edtan\u00e9, vyhnete sa ne\u010dakan\u00fdm v\u00fddavkom a ove\u013ea presnej\u0161ie odhadnete svoju re\u00e1lnu \u00fasporu.<\/p>\n\n\n\n<h3>5. Pomoc sk\u00fasen\u00e9ho odborn\u00edka<\/h3>\n\n\n\n<p>Ka\u017ed\u00e1 banka m\u00e1 svoje<strong> vlastn\u00e9 podmienky <\/strong>a r\u00f4zny pr\u00edstup k udr\u017eaniu existuj\u00facich klientov a aj k refinan\u010dn\u00fdm hypot\u00e9kam. <a href=\"https:\/\/www.fingo.sk\/kontakty\">Finan\u010dn\u00fd sprostredkovate\u013e<\/a> dok\u00e1\u017ee odhadn\u00fa\u0165, kde je e\u0161te priestor na vyjedn\u00e1vanie s va\u0161ou bankou, alebo \u010di by pre v\u00e1s bola v\u00fdhodnej\u0161ia cesta refinancovania.&nbsp;<\/p>\n\n\n\n<p>Na\u0161i odborn\u00edci z\u00e1rove\u0148 poznaj\u00fa benefity, ktor\u00e9 m\u00f4\u017eu rozhodn\u00fa\u0165, napr\u00edklad preplatenie poplatku za pred\u010dasn\u00e9 splatenie alebo vr\u00e1tenie nieko\u013ek\u00fdch spl\u00e1tok. Vedia v\u00e1m tak navrhn\u00fa\u0165 rie\u0161enie presne <strong>\u0161it\u00e9 na va\u0161u situ\u00e1ciu.<\/strong><\/p>\n\n\n\n<p>TIP: Profesion\u00e1lni finan\u010dn\u00ed makl\u00e9ri <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> v\u00e1m u\u013eah\u010dia cel\u00fd proces \u2013 pripravia potrebn\u00e9 dokumenty, vedia, kde z\u00edska\u0165 znalca, a pom\u00f4\u017eu v\u00e1m aj s administrat\u00edvnymi z\u00e1le\u017eitos\u0165ami na katastri.\u00a0<\/p>\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><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chcete z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke? Ne\u010dakajte pr\u00edli\u0161 dlho, lebo \u00farokov\u00e9 sadzby sa op\u00e4\u0165 za\u010d\u00ednaj\u00fa dv\u00edha\u0165. Ak pr\u00e1ve rie\u0161ite b\u00fdvanie a pl\u00e1nujete k\u00fapu nehnute\u013enosti, dne\u0161n\u00e9 \u00faroky si m\u00f4\u017eete zafixova\u0165 aj na nieko\u013eko mesiacov dopredu. A ak u\u017e hypot\u00e9ku m\u00e1te, st\u00e1le je \u010das zabojova\u0165 o lep\u0161ie podmienky. Uk\u00e1\u017eeme v\u00e1m, ako na to. \u00darokov\u00e9 sadzby na nov\u00fdch hypot\u00e9kach sa aktu\u00e1lne pohybuj\u00fa pribli\u017ene medzi 3,2 % a\u017e 3,5 % a ich \u010fal\u0161ie zdra\u017eovanie m\u00f4\u017ee ovplyvni\u0165 s\u00fa\u010dasn\u00e9 dianie vo svete. V obdob\u00ed, ke\u010f sa situ\u00e1cia na hypotek\u00e1rnom trhu ot\u00e1\u010da a \u00faroky rast\u00fa, netreba s hypot\u00e9kou vy\u010dk\u00e1va\u0165. Kto v\u0161etko by mal zbystri\u0165 pozornos\u0165? Po\u010fme sa na v\u0161etky spomenut\u00e9 situ\u00e1cie pozrie\u0165 podrobnej\u0161ie\u2026. Kto zav\u00e1ha, nesk\u00f4r preplat\u00ed Ak zva\u017eujete k\u00fapu bytu alebo domu, v niektor\u00fdch bank\u00e1ch si viete necha\u0165 schv\u00e1li\u0165 hypot\u00e9ku s aktu\u00e1lnymi sadzbami, ale re\u00e1lne ju \u010derpa\u0165 a\u017e o \u0161es\u0165 a\u017e dvan\u00e1s\u0165 mesiacov, k\u00fdm si n\u00e1jdete vhodn\u00fa nehnute\u013enos\u0165. Hovor\u00ed sa tomu tzv. hypot\u00e9ka naopak. V\u010faka nej si dne\u0161n\u00e9 \u00faroky poist\u00edte a vyhnete sa ich \u010fal\u0161iemu rastu. Spozornite ale aj v pr\u00edpade, ak u\u017e \u00faver spl\u00e1cate. Ak v\u00e1s \u010dak\u00e1 v\u00fdro\u010die fix\u00e1cie v horizonte nieko\u013ek\u00fdch mesiacov a\u017e roka, tie\u017e m\u00f4\u017eete vyu\u017ei\u0165 s\u00fa\u010dasn\u00e9 priazniv\u00e9 \u00faroky. U\u017e dnes m\u00f4\u017eete po\u017eiada\u0165 o prehodnotenie sadzby vo svojej banke alebo o refinancovanie \u00faveru [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[30,36,40,158],"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 lep\u0161\u00ed \u00farok na hypot\u00e9ke a u\u0161etri\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zistite, ako z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke, kedy sa oplat\u00ed refinancovanie a \u010do urobi\u0165 sk\u00f4r, ne\u017e sadzby op\u00e4\u0165 vzrast\u00fa.\" \/>\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-lepsi-urok-na-hypoteke-a-usetrit\/\" \/>\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 lep\u0161\u00ed \u00farok na hypot\u00e9ke a u\u0161etri\u0165 - 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