{"id":11308,"date":"2026-07-17T11:27:14","date_gmt":"2026-07-17T09:27:14","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11308"},"modified":"2026-07-17T11:27:16","modified_gmt":"2026-07-17T09:27:16","slug":"kupujete-investicny-byt-od-roku-2027-to-bude-tazsie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/kupujete-investicny-byt-od-roku-2027-to-bude-tazsie\/","title":{"rendered":"Kupujete investi\u010dn\u00fd byt? Od roku 2027 to bude \u0165a\u017e\u0161ie"},"content":{"rendered":"\n<p><strong>Hypot\u00e9ka na investi\u010dn\u00fd byt m\u00f4\u017ee by\u0165 od roku 2027 dostupn\u00e1 za pr\u00edsnej\u0161\u00edch podmienok. Pri k\u00fape tretej a ka\u017edej \u010fal\u0161ej reziden\u010dnej nehnute\u013enosti N\u00e1rodn\u00e1 banka Slovenska (NBS) navrhuje zn\u00ed\u017eenie maxim\u00e1lneho financovania z 80 % na 70 % jej hodnoty. Koho sa zmena dotkne a o ko\u013eko viac vlastn\u00fdch zdrojov budete potrebova\u0165?<\/strong><\/p>\n\n\n\n<p>Slovensk\u00fd hypotek\u00e1rny trh \u010dakaj\u00fa v\u00fdznamn\u00e9 zmeny. NBS ned\u00e1vno predstavila n\u00e1vrh, pod\u013ea ktor\u00e9ho by sa pri k\u00fape tretej a ka\u017edej \u010fal\u0161ej reziden\u010dnej nehnute\u013enosti mal maxim\u00e1lny limit financovania zn\u00ed\u017ei\u0165 z dne\u0161n\u00fdch 80 % na 70 % hodnoty nehnute\u013enosti (LTV). Ak zmena vst\u00fapi do platnosti pod\u013ea avizovan\u00e9ho harmonogramu, dotkne sa najm\u00e4 investorov a klientov buduj\u00facich si portf\u00f3lio nehnute\u013enost\u00ed.<\/p>\n\n\n\n<p>To v praxi znamen\u00e1, \u017ee na k\u00fapu \u010fal\u0161ieho investi\u010dn\u00e9ho bytu \u010di domu bude potrebn\u00e9 ma\u0165 v\u00fdrazne viac vlastn\u00fdch zdrojov.<\/p>\n\n\n\n<p><strong>Pr\u00edklad<\/strong><\/p>\n\n\n\n<p>Cena bytu: 250 000 \u20ac<\/p>\n\n\n\n<p>Dnes (80 % LTV)<\/p>\n\n\n\n<ul>\n<li>hypot\u00e9ka: 200 000 \u20ac<\/li>\n\n\n\n<li>vlastn\u00e9 zdroje: 50 000 \u20ac<\/li>\n<\/ul>\n\n\n\n<p>Po zmene (70 % LTV)<\/p>\n\n\n\n<ul>\n<li>hypot\u00e9ka: 175 000 \u20ac<\/li>\n\n\n\n<li>vlastn\u00e9 zdroje: 75 000 \u20ac<\/li>\n<\/ul>\n\n\n\n<p>Rozdiel predstavuje a\u017e 25 000 \u20ac z vlastn\u00fdch pe\u0148az\u00ed navy\u0161e. A to za predpokladu, \u017ee cena nehnute\u013enosti zostane rovnak\u00e1. Pri drah\u0161\u00edch nehnute\u013enostiach bude rozdiel e\u0161te v\u00fdraznej\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<h2><strong>Koho sa zmena dotkne?<\/strong><\/h2>\n\n\n\n<p>Predov\u0161etk\u00fdm klientov, ktor\u00ed:<\/p>\n\n\n\n<ul>\n<li>u\u017e vlastnia dve reziden\u010dn\u00e9 nehnute\u013enosti<\/li>\n\n\n\n<li>pl\u00e1nuj\u00fa k\u00fapu tretieho alebo \u010fal\u0161ieho bytu \u010di domu<\/li>\n\n\n\n<li>kupuj\u00fa cez \u00faver investi\u010dn\u00e9 nehnute\u013enosti za \u00fa\u010delom pren\u00e1jmu<\/li>\n\n\n\n<li>buduj\u00fa si dlhodob\u00e9 realitn\u00e9 portf\u00f3lio<\/li>\n<\/ul>\n\n\n\n<p>Be\u017en\u00fdch klientov kupuj\u00facich prv\u00e9 alebo druh\u00e9 b\u00fdvanie sa pripravovan\u00e9 spr\u00edsnenie nedotkne, pr\u00e1ve naopak, zv\u00fdhodnenia sa do\u010dkaj\u00fa mlad\u00ed do 35 rokov, ktor\u00ed si pri k\u00fape svojho prv\u00e9ho b\u00fdvania bud\u00fa m\u00f4c\u0165 vo v\u00e4\u010d\u0161ej miere siahnu\u0165 na 90 % financovanie. Kritick\u00e1 zmena sa teda dot\u00fdka pr\u00e1ve klientov, ktor\u00ed chc\u00fa \u010fal\u0161ie investi\u010dn\u00e9 byty financova\u0165 hypot\u00e9kou.<\/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<h2><strong>Pre\u010do je leto 2026 ide\u00e1lnym obdob\u00edm na rozhodnutie?<\/strong><\/h2>\n\n\n\n<p>Pri k\u00fape investi\u010dnej nehnute\u013enosti nejde len o samotn\u00fd v\u00fdber bytu. Proces zah\u0155\u0148a:<\/p>\n\n\n\n<ul>\n<li>preverenie financovania<\/li>\n\n\n\n<li>rezerv\u00e1ciu nehnute\u013enosti<\/li>\n\n\n\n<li>prieskum b\u00e1nk a v\u00fdber najlep\u0161ieho rie\u0161enia<\/li>\n\n\n\n<li>vybavenie znaleck\u00e9ho posudku<\/li>\n\n\n\n<li>schv\u00e1lenie hypot\u00e9ky<\/li>\n\n\n\n<li>pr\u00e1vny servis<\/li>\n\n\n\n<li>\u010derpanie \u00faveru<\/li>\n<\/ul>\n\n\n\n<p>Mnoh\u00ed investori \u010dakaj\u00fa na \u201espr\u00e1vny moment\u201c, av\u0161ak v kontexte pl\u00e1novanej legislat\u00edvnej zmeny sa \u010dakanie nemus\u00ed vyplati\u0165. Navy\u0161e ceny nehnute\u013enost\u00ed st\u00e1le rast\u00fa. Ak dnes dok\u00e1\u017eete k\u00fapu financova\u0165 s vy\u0161\u0161\u00edm podielom bankov\u00fdch zdrojov, m\u00f4\u017ee by\u0165 pre v\u00e1s v\u00fdhodnej\u0161ie kona\u0165 e\u0161te pred \u00fa\u010dinnos\u0165ou nov\u00fdch pravidiel. Z\u00e1rove\u0148 m\u00e1te st\u00e1le dostatok \u010dasu vybra\u0165 si t\u00fa najvhodnej\u0161iu nehnute\u013enos\u0165, ktor\u00e1 v\u00e1m m\u00f4\u017ee prinies\u0165 maxim\u00e1lny zisk napr\u00edklad pri jej pren\u00e1jme.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj blog <a href=\"http:\/\/Ako z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke a u\u0161etri\u0165\">Ako z\u00edska\u0165 lep\u0161\u00ed \u00farok na hypot\u00e9ke a u\u0161etri\u0165<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2><strong>Ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165 rok \u010dakania?<\/strong><\/h2>\n\n\n\n<p>Ak ceny bytov porast\u00fa podobn\u00fdm tempom ako v posledn\u00fdch rokoch, rovnak\u00e1 nehnute\u013enos\u0165 m\u00f4\u017ee by\u0165 o rok v\u00fdrazne drah\u0161ia. A to nie je jedin\u00e9 obmedzenie.<\/p>\n\n\n\n<p>Pozrime sa na modelov\u00fd pr\u00edklad investi\u010dn\u00e9ho 2-izbov\u00e9ho bytu v Bratislave \u2013 Petr\u017ealke, Ru\u017einove alebo Novom Meste. Ide o lokality s vysok\u00fdm dopytom po n\u00e1jmoch a nadpriemern\u00fdm rastom cien. Pod\u013ea \u00fadajov z realitn\u00e9ho trhu vzr\u00e1stli ceny nehnute\u013enost\u00ed na Slovensku medziro\u010dne pribli\u017ene o 11 a\u017e 13 %, pri\u010dom Bratislava patrila medzi najr\u00fdchlej\u0161ie rast\u00face regi\u00f3ny.<\/p>\n\n\n\n<p><strong>Situ\u00e1cia dnes (leto 2026)<\/strong><\/p>\n\n\n\n<p>cena bytu: 250 000 \u20ac<\/p>\n\n\n\n<p>\u00farokov\u00e1 sadzba: 3,69 %<\/p>\n\n\n\n<p>financovanie: 80 % LTV<\/p>\n\n\n\n<p>hypot\u00e9ka: 200 000 \u20ac<\/p>\n\n\n\n<p>vlastn\u00e9 zdroje: 50 000 \u20ac<\/p>\n\n\n\n<p><strong>Predpoklad o rok *<\/strong><\/p>\n\n\n\n<p>* Predpokladajme rast ceny bytu o 10 %, a \u00faroku o 0,4 %<\/p>\n\n\n\n<p>nov\u00e1 cena bytu: 275 000 \u20ac<\/p>\n\n\n\n<p>\u00farokov\u00e1 sadzba: 4,09 %<\/p>\n\n\n\n<p>financovanie po spr\u00edsnen\u00ed: 70 % LTV<\/p>\n\n\n\n<p>hypot\u00e9ka: 192 500 \u20ac<\/p>\n\n\n\n<p>vlastn\u00e9 zdroje: 82 500 \u20ac<\/p>\n\n\n\n<p><strong>Rozdiel \u010d. 1: Drah\u0161\u00ed byt<\/strong><\/p>\n\n\n\n<ul>\n<li>Cena nehnute\u013enosti sa zv\u00fd\u0161ila z 250 000 \u20ac na 275 000 \u20ac.<\/li>\n\n\n\n<li>Rozdiel: +25 000 \u20ac<\/li>\n\n\n\n<li>Za ten ist\u00fd byt zaplat\u00edte o 25 000 \u20ac viac.<\/li>\n\n\n\n<li>Ak k\u00fapu odlo\u017e\u00edte, ten ist\u00fd byt v tej istej lokalite bude pravdepodobne drah\u0161\u00ed.<\/li>\n<\/ul>\n\n\n\n<p><strong>Rozdiel \u010d. 2: Viac vlastn\u00fdch zdrojov<\/strong><\/p>\n\n\n\n<ul>\n<li>Dnes potrebujete 50 000 \u20ac.<\/li>\n\n\n\n<li>O rok budete potrebova\u0165 82 500 \u20ac.<\/li>\n\n\n\n<li>Rozdiel: +32 500 \u20ac z vlastn\u00fdch pe\u0148az\u00ed<\/li>\n\n\n\n<li>To je suma, ktor\u00fa budete musie\u0165 n\u00e1js\u0165 navy\u0161e len preto, \u017ee ste n\u00e1kup odlo\u017eili.<\/li>\n<\/ul>\n\n\n\n<p><strong>Rozdiel \u010d. 3: U\u0161l\u00fd v\u00fdnos z vlastn\u00e9ho kapit\u00e1lu<\/strong><\/p>\n\n\n\n<ul>\n<li>Rozdiel 32 500 \u20ac by mohol zosta\u0165 vo va\u0161om portf\u00f3liu a zhodnocova\u0165 sa.<\/li>\n\n\n\n<li>Pri konzervat\u00edvnom investovan\u00ed tejto sumy s v\u00fdnosom okolo 3,5 % by ste za rok z\u00edskali pribli\u017ene 1 100 \u20ac.<\/li>\n\n\n\n<li>Ak k\u00fapu odlo\u017e\u00edte, miniete viac vlastn\u00fdch pe\u0148az\u00ed, ktor\u00e9 mohli pracova\u0165 pre v\u00e1s.<\/li>\n<\/ul>\n\n\n\n<p><strong>Rozdiel \u010d. 4: Vy\u0161\u0161\u00ed \u00farok<\/strong><\/p>\n\n\n\n<ul>\n<li>Ak by \u00farokov\u00e9 sadzby vzr\u00e1stli napr\u00edklad z 3,69 % na 4,09 %, va\u0161a mesa\u010dn\u00e1 spl\u00e1tka by bola o 10 \u20ac vy\u0161\u0161ia \u2013 hoci by ste banke dlhovali len 192 500 \u20ac (pri 70 % LTV) namiesto dne\u0161n\u00fdch 200 000 \u20ac (pri 80 % LTV). Men\u0161\u00ed dlh tak nebude znamena\u0165 ni\u017e\u0161iu spl\u00e1tku a preplat\u00edte viac.<\/li>\n\n\n\n<li>Po\u010das prv\u00fdch troch rokov v r\u00e1mci fix\u00e1cie by to znamenalo 360 \u20ac navy\u0161e na spl\u00e1tkach.<\/li>\n<\/ul>\n\n\n\n<h2><strong>Ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165, ak tento rok zav\u00e1hate?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>Polo\u017eka<\/td><td>Dopad<\/td><\/tr><tr><td>Vy\u0161\u0161ia cena bytu<\/td><td>25 000 \u20ac<\/td><\/tr><tr><td>Vy\u0161\u0161ie vlastn\u00e9 zdroje<\/td><td>32 500 \u20ac<\/td><\/tr><tr><td>U\u0161l\u00fd v\u00fdnos z kapit\u00e1lu<\/td><td>  1 100 \u20ac<\/td><\/tr><tr><td>Vy\u0161\u0161ie spl\u00e1tky na ni\u017e\u0161om \u00favere po\u010das 3 rokov<\/td><td>     360 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Z modelov\u00e9ho pr\u00edkladu vypl\u00fdva, \u017ee ak by ste dnes na\u0161li vhodn\u00fa investi\u010dn\u00fa nehnute\u013enos\u0165 za 250 000 \u20ac, ale rozhodnete sa \u010daka\u0165 jeden rok, rovnak\u00e1 invest\u00edcia v\u00e1s m\u00f4\u017ee st\u00e1\u0165 ove\u013ea viac.<\/p>\n\n\n\n<p>Samozrejme, nikto nevie garantova\u0165, ako sa bud\u00fa vyv\u00edja\u0165 ceny nehnute\u013enost\u00ed alebo \u00farokov\u00e9 sadzby hypot\u00e9k. Ist\u00e9 v\u0161ak je, \u017ee pripravovan\u00e9 obmedzenie financovania na 70 % LTV pri tretej a \u010fal\u0161ej nehnute\u013enosti v\u00fdrazne zv\u00fd\u0161i po\u017eiadavky na vlastn\u00e9 zdroje. A pr\u00e1ve tie s\u00fa pre v\u00e4\u010d\u0161inu investorov najcennej\u0161\u00edm kapit\u00e1lom.<\/p>\n\n\n\n<p>Pre investora toti\u017e nie je rozhoduj\u00face len to, ko\u013eko byt zarob\u00ed, ale ko\u013eko vlastn\u00fdch pe\u0148az\u00ed mus\u00ed na za\u010diatku vlo\u017ei\u0165. A od roku 2027 m\u00f4\u017ee by\u0165 tento vstup v\u00fdrazne drah\u0161\u00ed.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj <a href=\"https:\/\/www.fingo.sk\/blog\/10-overenych-tipov-pre-najvyhodnejsiu-hypoteku\/\">10 overen\u00fdch tipov pre najv\u00fdhodnej\u0161iu hypot\u00e9ku<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2><strong>Nemus\u00edte by\u0165 investor, aby sa v\u00e1s zmena dotkla<\/strong><\/h2>\n\n\n\n<p>Mnoh\u00ed \u013eudia sa domnievaj\u00fa, \u017ee pripravovan\u00e9 obmedzenie sa t\u00fdka v\u00fdlu\u010dne investorov nakupuj\u00facich byty na pren\u00e1jom. V skuto\u010dnosti m\u00f4\u017ee zasiahnu\u0165 aj be\u017en\u00e9 dom\u00e1cnosti.<\/p>\n\n\n\n<p>Predstavte si situ\u00e1ciu, \u017ee partner vlastn\u00ed byt, partnerka zase in\u00fa nehnute\u013enos\u0165. Ka\u017ed\u00fd z nich m\u00e1 vo vlastn\u00edctve jednu reziden\u010dn\u00fa nehnute\u013enos\u0165. Ak sa n\u00e1sledne rozhodn\u00fa k\u00fapi\u0165 spolo\u010dn\u00fd byt alebo rodinn\u00fd dom na hypot\u00e9ku, banka bude pri posudzovan\u00ed zoh\u013ead\u0148ova\u0165 existuj\u00face vlastn\u00edctvo oboch \u017eiadate\u013eov.<\/p>\n\n\n\n<p>V\u00fdsledkom m\u00f4\u017ee by\u0165, \u017ee nov\u00e1 nehnute\u013enos\u0165 bude z poh\u013eadu regul\u00e1cie pova\u017eovan\u00e1 u\u017e za tretiu reziden\u010dn\u00fa nehnute\u013enos\u0165, a teda sa na \u0148u m\u00f4\u017ee vz\u0165ahova\u0165 ni\u017e\u0161\u00ed limit financovania vo v\u00fd\u0161ke 70 % hodnoty nehnute\u013enosti.<\/p>\n\n\n\n<h2><strong>Pozor aj na zdeden\u00e9 podiely<\/strong><\/h2>\n\n\n\n<p>Menej zn\u00e1mym faktom je, \u017ee do posudzovania po\u010dtu vlastnen\u00fdch nehnute\u013enost\u00ed sa m\u00f4\u017eu zapo\u010d\u00edtava\u0165 aj spoluvlastn\u00edcke podiely.<\/p>\n\n\n\n<p>Ak ste napr\u00edklad zdedili aspo\u0148 50 % rodinn\u00e9ho domu po rodi\u010doch a z\u00e1rove\u0148 vlastn\u00edte svoj byt, pri k\u00fape \u010fal\u0161ej nehnute\u013enosti m\u00f4\u017eete by\u0165 posudzovan\u00fd ako vlastn\u00edk dvoch reziden\u010dn\u00fdch nehnute\u013enost\u00ed. Nov\u00e1 k\u00fapa domu alebo bytu by tak mohla spada\u0165 do re\u017eimu financovania ur\u010den\u00e9ho pre tretiu nehnute\u013enos\u0165.<\/p>\n\n\n\n<p>Pr\u00e1ve preto je d\u00f4le\u017eit\u00e9 pozna\u0165 svoju vlastn\u00edcku situ\u00e1ciu e\u0161te pred podan\u00edm \u017eiadosti o hypot\u00e9ku. Alebo rie\u0161i\u0165 hypot\u00e9ku sk\u00f4r, k\u00fdm nov\u00e9 pravidl\u00e1 nenadobudn\u00fa \u00fa\u010dinnos\u0165.<\/p>\n\n\n\n<h2><strong>Kataster bude rozhoduj\u00faci<\/strong><\/h2>\n\n\n\n<p>Po\u010det vlastnen\u00fdch nehnute\u013enost\u00ed sa bude overova\u0165 prostredn\u00edctvom \u00fadajov evidovan\u00fdch v katastri nehnute\u013enost\u00ed. Pr\u00e1ve preto je vhodn\u00e9 si e\u0161te pred podan\u00edm \u017eiadosti o hypot\u00e9ku preveri\u0165, ak\u00e9 nehnute\u013enosti s\u00fa na v\u00e1s p\u00edsan\u00e9, a zisti\u0165, \u010di sa v\u00e1s nov\u00e9 pravidl\u00e1 m\u00f4\u017eu t\u00fdka\u0165.<\/p>\n\n\n\n<p>Mnoh\u00fdch \u017eiadate\u013eov m\u00f4\u017ee prekvapi\u0165, \u017ee za \u010fal\u0161iu nehnute\u013enos\u0165 sa nebude pova\u017eova\u0165 iba investi\u010dn\u00fd byt ur\u010den\u00fd na pren\u00e1jom, ale v ur\u010dit\u00fdch pr\u00edpadoch aj bud\u00face spolo\u010dn\u00e9 b\u00fdvanie partnerov alebo nehnute\u013enos\u0165 z\u00edskan\u00e1 dedi\u010dstvom.<\/p>\n\n\n\n<h2><strong>Ktor\u00e9 nehnute\u013enosti sa bud\u00fa zapo\u010d\u00edtava\u0165?<\/strong><\/h2>\n\n\n\n<p>Pri posudzovan\u00ed po\u010dtu vlastnen\u00fdch nehnute\u013enost\u00ed bude rozhoduj\u00face, \u010di ide o reziden\u010dn\u00fa nehnute\u013enos\u0165 ur\u010den\u00fa na b\u00fdvanie.<\/p>\n\n\n\n<p>Spravidla sa zapo\u010d\u00edtavaj\u00fa<\/p>\n\n\n\n<ul>\n<li>byty<\/li>\n\n\n\n<li>rodinn\u00e9 domy<\/li>\n\n\n\n<li>rekrea\u010dn\u00e9 objekty alebo in\u00e9 stavby vyu\u017eite\u013en\u00e9 na b\u00fdvanie<\/li>\n\n\n\n<li>aj spoluvlastn\u00edcke podiely na t\u00fdchto nehnute\u013enostiach (50 % a viac)<\/li>\n<\/ul>\n\n\n\n<p>Naopak, nezapo\u010d\u00edtavaj\u00fa sa:<\/p>\n\n\n\n<ul>\n<li>stavebn\u00e9 pozemky<\/li>\n\n\n\n<li>po\u013enohospod\u00e1rske pozemky<\/li>\n\n\n\n<li>rozostavan\u00e9 nehnute\u013enosti financovan\u00e9 za \u00fa\u010delom dokon\u010denia v\u00fdstavby<\/li>\n\n\n\n<li>nehnute\u013enosti nach\u00e1dzaj\u00face sa mimo \u00fazemia Slovenskej republiky<\/li>\n<\/ul>\n\n\n\n<h2><strong>Kto bude pripraven\u00fd sk\u00f4r, m\u00f4\u017ee z\u00edska\u0165 v\u00fdhodu<\/strong><\/h2>\n\n\n\n<p>Pripravovan\u00e9 zmeny m\u00f4\u017eu v\u00fdrazne zv\u00fd\u0161i\u0165 vstupn\u00e9 n\u00e1klady pri k\u00fape tretej a \u010fal\u0161ej nehnute\u013enosti. Kto bude pripraven\u00fd v\u010das, m\u00f4\u017ee e\u0161te vyu\u017ei\u0165 s\u00fa\u010dasn\u00e9 podmienky financovania a z\u00edska\u0165 vy\u0161\u0161\u00ed podiel bankov\u00fdch zdrojov na svoju invest\u00edciu. Z\u00e1rove\u0148 s ve\u013ekou pravdepodobnos\u0165ou dnes k\u00fapite nehnute\u013enos\u0165 za ni\u017e\u0161iu cenu a budete ju financova\u0165 pravdepodobne s v\u00fdhodnej\u0161ou \u00farokovou sadzbou.<\/p>\n\n\n\n<h2><strong>Chyst\u00e1te sa kupova\u0165 nehnute\u013enos\u0165?<\/strong><\/h2>\n\n\n\n<p>M\u00e1te v pl\u00e1ne k\u00fapi\u0165 investi\u010dn\u00fd byt alebo \u010fal\u0161iu nehnute\u013enos\u0165? Nechajte si \u010d\u00edm sk\u00f4r preveri\u0165 svoje mo\u017enosti financovania. Rozdiel medzi rozhodnut\u00edm dnes a o p\u00e1r mesiacov m\u00f4\u017ee predstavova\u0165 desiatky tis\u00edc eur vlastn\u00fdch zdrojov navy\u0161e.<\/p>\n\n\n\n<p><strong>Neviete, \u010di sa v\u00e1s bude pripravovan\u00e9 obmedzenie t\u00fdka\u0165? Kontaktujte n\u00e1s a <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?_gl=1*dd6ddx*_up*MQ..*_ga*OTkxNDkyMzEzLjE3ODQwMzI3ODI.*_ga_2GY2HSEGGK*czE3ODQwMzI3ODIkbzEkZzEkdDE3ODQwMzI3ODUkajU3JGwwJGgw*_ga_C3CZ6Z9D3P*czE3ODQwMzI3ODIkbzEkZzEkdDE3ODQwMzI3ODUkajU3JGwwJGgw\">prever\u00edme va\u0161u situ\u00e1ciu<\/a> e\u0161te pred podan\u00edm \u017eiadosti o hypot\u00e9ku.<\/strong><\/p>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 upozornenie: N\u00e1vrh zmien bol predstaven\u00fd N\u00e1rodnou bankou Slovenska a jeho fin\u00e1lna podoba a \u00fa\u010dinnos\u0165 z\u00e1visia od schv\u00e1lenia pr\u00edslu\u0161n\u00fdch regula\u010dn\u00fdch opatren\u00ed. Pred rozhodnut\u00edm o financovan\u00ed odpor\u00fa\u010dame overi\u0165 aktu\u00e1lne podmienky platn\u00e9 v \u010dase podania \u017eiadosti o \u00faver.<\/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","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ka na investi\u010dn\u00fd byt m\u00f4\u017ee by\u0165 od roku 2027 dostupn\u00e1 za pr\u00edsnej\u0161\u00edch podmienok. Pri k\u00fape tretej a ka\u017edej \u010fal\u0161ej reziden\u010dnej nehnute\u013enosti N\u00e1rodn\u00e1 banka Slovenska (NBS) navrhuje zn\u00ed\u017eenie maxim\u00e1lneho financovania z 80 % na 70 % jej hodnoty. Koho sa zmena dotkne a o ko\u013eko viac vlastn\u00fdch zdrojov budete potrebova\u0165? Slovensk\u00fd hypotek\u00e1rny trh \u010dakaj\u00fa v\u00fdznamn\u00e9 zmeny. NBS ned\u00e1vno predstavila n\u00e1vrh, pod\u013ea ktor\u00e9ho by sa pri k\u00fape tretej a ka\u017edej \u010fal\u0161ej reziden\u010dnej nehnute\u013enosti mal maxim\u00e1lny limit financovania zn\u00ed\u017ei\u0165 z dne\u0161n\u00fdch 80 % na 70 % hodnoty nehnute\u013enosti (LTV). Ak zmena vst\u00fapi do platnosti pod\u013ea avizovan\u00e9ho harmonogramu, dotkne sa najm\u00e4 investorov a klientov buduj\u00facich si portf\u00f3lio nehnute\u013enost\u00ed. To v praxi znamen\u00e1, \u017ee na k\u00fapu \u010fal\u0161ieho investi\u010dn\u00e9ho bytu \u010di domu bude potrebn\u00e9 ma\u0165 v\u00fdrazne viac vlastn\u00fdch zdrojov. Pr\u00edklad Cena bytu: 250 000 \u20ac Dnes (80 % LTV) Po zmene (70 % LTV) Rozdiel predstavuje a\u017e 25 000 \u20ac z vlastn\u00fdch pe\u0148az\u00ed navy\u0161e. A to za predpokladu, \u017ee cena nehnute\u013enosti zostane rovnak\u00e1. Pri drah\u0161\u00edch nehnute\u013enostiach bude rozdiel e\u0161te v\u00fdraznej\u0161\u00ed.&nbsp; Koho sa zmena dotkne? Predov\u0161etk\u00fdm klientov, ktor\u00ed: Be\u017en\u00fdch klientov kupuj\u00facich prv\u00e9 alebo druh\u00e9 b\u00fdvanie sa pripravovan\u00e9 spr\u00edsnenie nedotkne, pr\u00e1ve naopak, zv\u00fdhodnenia sa do\u010dkaj\u00fa mlad\u00ed do 35 rokov, ktor\u00ed si pri k\u00fape svojho prv\u00e9ho b\u00fdvania bud\u00fa m\u00f4c\u0165 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11319,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[23,231,229],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kupujete investi\u010dn\u00fd byt? 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