{"id":11487,"date":"2026-09-30T16:58:13","date_gmt":"2026-09-30T14:58:13","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11487"},"modified":"2026-10-01T17:26:24","modified_gmt":"2026-10-01T15:26:24","slug":"hypoteka-pre-mladych-co-prinesu-nove-pravidla-nbs","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-mladych-co-prinesu-nove-pravidla-nbs\/","title":{"rendered":"Hypot\u00e9ka pre mlad\u00fdch: \u010co prines\u00fa nov\u00e9 pravidl\u00e1 NBS"},"content":{"rendered":"\n<p><strong>K\u00fapi\u0165 byt teraz alebo po\u010dka\u0165 do janu\u00e1ra 2027? T\u00fato ot\u00e1zku si klad\u00fa mlad\u00ed \u013eudia \u010doraz \u010dastej\u0161ie. N\u00e1rodn\u00e1 banka Slovenska toti\u017e zmenila pravidl\u00e1 pre poskytovanie hypot\u00e9k tak, aby \u013eudia do 35 rokov pri prvom b\u00fdvan\u00ed mohli financova\u0165 a\u017e 90 % hodnoty nehnute\u013enosti namiesto dne\u0161n\u00fdch 80 %. Odpove\u010f v\u0161ak nie je pre v\u0161etk\u00fdch rovnak\u00e1.<\/strong><\/p>\n\n\n\n<p>Pre niekoho m\u00f4\u017ee \u010dakanie znamena\u0165, \u017ee si na byt kone\u010dne dosiahne. Pre in\u00e9ho je to len straten\u00fd \u010das, po\u010das ktor\u00e9ho m\u00f4\u017eu nar\u00e1s\u0165 ceny nehnute\u013enost\u00ed aj <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farokov\u00e9 sadzby<\/a>.<\/p>\n\n\n\n<p>V \u010dl\u00e1nku n\u00e1jdete, \u010do presne sa m\u00e1 zmeni\u0165, koho sa zmeny bud\u00fa t\u00fdka\u0165, pre\u010do vy\u0161\u0161\u00ed limit automaticky neznamen\u00e1 vy\u0161\u0161iu hypot\u00e9ku a komu sa \u010dakanie oplat\u00ed.<\/p>\n\n\n\n<h2>O ko\u013eko menej pe\u0148az\u00ed by ste potrebovali<\/h2>\n\n\n\n<p>Najlep\u0161ie to vidno na pr\u00edklade. Pri byte za 200-tis\u00edc eur dnes potrebujete 40-tis\u00edc eur vlastn\u00fdch zdrojov. Pod\u013ea nov\u00fdch pravidiel by v\u00e1m mohlo sta\u010di\u0165 20-tis\u00edc.<\/p>\n\n\n\n<p>Pre mlad\u00e9ho \u010dloveka, ktor\u00fd si <a href=\"https:\/\/www.fingo.sk\/investovanie\">dlhodobo spor\u00ed<\/a> na dofinancovanie hypot\u00e9ky, je to rozdiel nieko\u013ek\u00fdch rokov sporenia.<\/p>\n\n\n\n<h2>90 % existuje aj dnes. Rozdiel je v tom, komu sa ujde&nbsp;<\/h2>\n\n\n\n<p>Hypot\u00e9ka na 90 % hodnoty nehnute\u013enosti nie je novinka. Banky ju poskytuj\u00fa aj v s\u00fa\u010dasnosti, m\u00f4\u017ee v\u0161ak \u00eds\u0165 najviac o p\u00e4tinu v\u0161etk\u00fdch poskytnut\u00fdch \u00faverov. Mlad\u00ed sa o tieto miesta delia so v\u0161etk\u00fdmi ostatn\u00fdmi \u017eiadate\u013emi a vopred nevedia, \u010di sa im ujde.<\/p>\n\n\n\n<p>Pr\u00e1ve v tom je jadro zmeny. Mlad\u00ed pri prvom b\u00fdvan\u00ed na 90 % m\u00f4\u017eu dosiahnu\u0165 bez tohto obmedzenia. To v\u0161ak neznamen\u00e1 automaticky n\u00e1rok na vy\u0161\u0161ie financovanie pre ka\u017ed\u00e9ho mlad\u00e9ho \u010dloveka.<\/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>Kto na vy\u0161\u0161ie financovanie dosiahne<\/h2>\n\n\n\n<p><strong>Podmienky s\u00fa tri:<\/strong><\/p>\n\n\n\n<ol>\n<li>M\u00e1te najviac 35 rokov.<\/li>\n\n\n\n<li>\u00da\u010delom \u00faveru je k\u00fapa alebo v\u00fdstavba vlastn\u00e9ho b\u00fdvania.<\/li>\n\n\n\n<li>\u017diadny zo \u017eiadate\u013eov nevlastn\u00ed reziden\u010dn\u00fa nehnute\u013enos\u0165.<\/li>\n<\/ol>\n\n\n\n<p>Vlastn\u00edctvo si banka over\u00ed v katastri a po\u010d\u00edtaj\u00fa sa do\u0148 aj spoluvlastn\u00edcke podiely od 50 %. D\u00f4le\u017eit\u00e9 je, \u017ee podmienky sa posudzuj\u00fa za v\u0161etk\u00fdch \u017eiadate\u013eov naraz. Ak si teda p\u00e1r kupuje prv\u00e9 spolo\u010dn\u00e9 b\u00fdvanie a jeden z partnerov u\u017e byt alebo dom vlastn\u00ed, na 90-percentn\u00e9 financovanie nedosiahne ani jeden z nich.<\/p>\n\n\n\n<p><strong>Na 90 % nedosiahnete, ak\u2026<\/strong><\/p>\n\n\n\n<ul>\n<li>do \u00faveru vst\u00fapi spoludl\u017en\u00edk, ktor\u00fd vlastn\u00ed byt \u010di dom,<\/li>\n\n\n\n<li>ste zdedili polovi\u010dn\u00fd alebo v\u00e4\u010d\u0161\u00ed podiel na nehnute\u013enosti, preto\u017ee podiely od 50 % sa po\u010d\u00edtaj\u00fa ako vlastn\u00edctvo,<\/li>\n\n\n\n<li>vlastn\u00edte chatu alebo in\u00fd objekt, ktor\u00fd sa d\u00e1 vyu\u017ei\u0165 na b\u00fdvanie,<\/li>\n\n\n\n<li>v \u010dase \u017eiadosti m\u00e1te 36 alebo viac rokov.<\/li>\n<\/ul>\n\n\n\n<h2>Vy\u0161\u0161\u00ed limit e\u0161te neznamen\u00e1 vy\u0161\u0161iu hypot\u00e9ku&nbsp;<\/h2>\n\n\n\n<p>LTV je pomer medzi v\u00fd\u0161kou \u00faveru a hodnotou zakladanej nehnute\u013enosti. Jeho zv\u00fd\u0161enie men\u00ed iba to, ak\u00fa \u010das\u0165 ceny bytu mus\u00edte pokry\u0165 z vlastn\u00e9ho vrecka. Nezvy\u0161uje sumu, ktor\u00fa v\u00e1m banka vzh\u013eadom na v\u00e1\u0161 \u00faverov\u00fd strop m\u00f4\u017ee po\u017ei\u010da\u0165.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">V\u00fd\u0161ku hypot\u00e9ky<\/a> na\u010falej ur\u010duje v\u00e1\u0161 pr\u00edjem, existuj\u00face z\u00e1v\u00e4zky a schopnos\u0165 \u00faver spl\u00e1ca\u0165. Banka pri posudzovan\u00ed zoh\u013ead\u0148uje aj bonitu, typ pr\u00edjmu, lokalitu \u010di technick\u00fd stav nehnute\u013enosti. Nie ka\u017ed\u00fd mlad\u00fd klient preto na 90-percentn\u00e9 financovanie automaticky dosiahne, aj ke\u010f spln\u00ed v\u0161etky tri podmienky.<\/p>\n\n\n\n<p>Z toho vypl\u00fdva jednoduch\u00e9 pravidlo: ak v\u00e1m ch\u00fdba vstupn\u00fd vklad, nov\u00e9 pravidlo v\u00e1m pom\u00f4\u017ee. Ak v\u00e1s limituje pr\u00edjem, \u010dakan\u00edm sa nikam neposuniete.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Aktu\u00e1lne \u00faroky a <a href=\"https:\/\/www.fingo.sk\/blog\/aktualne-urokove-sadzby-hypotek\/\"><strong><em>\u010dast\u00e9 ot\u00e1zky o hypot\u00e9kach n\u00e1jdete aj v tomto \u010dl\u00e1nku.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2>Spoludl\u017en\u00edk pom\u00f4\u017ee s pr\u00edjmom, ale m\u00f4\u017ee v\u00e1s pripravi\u0165 o 90 %<\/h2>\n\n\n\n<p>Ak v\u00e1s limituje pr\u00edjem, rie\u0161en\u00edm b\u00fdva prizvanie \u010fal\u0161ieho dl\u017en\u00edka, napr\u00edklad partnera, rodi\u010da \u010di s\u00farodenca. Jeho pr\u00edjem dok\u00e1\u017ee zv\u00fd\u0161i\u0165 v\u00e1\u0161 celkov\u00fd \u00faverov\u00fd limit, hoci kone\u010dn\u00e9 slovo m\u00e1 v\u017edy banka.<\/p>\n\n\n\n<p>Pri mlad\u00fdch m\u00e1 v\u0161ak toto rie\u0161enie h\u00e1\u010dik. Ak do \u00faveru vst\u00fapi spoludl\u017en\u00edk, ktor\u00fd u\u017e byt alebo dom vlastn\u00ed, podmienka pre 90-percentn\u00e9 financovanie prestane plati\u0165 pre cel\u00fa \u017eiados\u0165. Rodi\u010d v\u00e1m tak m\u00f4\u017ee pom\u00f4c\u0165 dosta\u0165 sa na potrebn\u00fa sumu \u00faveru a s\u00fa\u010dasne v\u00e1s posun\u00fa\u0165 sp\u00e4\u0165 na 80 %.<\/p>\n\n\n\n<p>Preto sa oplat\u00ed obe cesty prepo\u010d\u00edta\u0165 vopred a porovna\u0165, ktor\u00e1 v\u00e1s v s\u00fa\u010dte vyjde lep\u0161ie.<\/p>\n\n\n\n<h2>Oplat\u00ed sa \u010daka\u0165 do janu\u00e1ra?<\/h2>\n\n\n\n<p>\u010cakanie nie je zadarmo. Do janu\u00e1ra sa m\u00f4\u017eu zmeni\u0165 ceny nehnute\u013enost\u00ed, \u00farokov\u00e9 sadzby aj podmienky b\u00e1nk. Navy\u0161e, banky nebud\u00fa povinn\u00e9 da\u0165 90 % ka\u017ed\u00e9mu mlad\u00e9mu \u017eiadate\u013eovi.<\/p>\n\n\n\n<p><strong>\u010cakanie v\u00e1m d\u00e1va zmysel, ak<\/strong> m\u00e1te dostato\u010dn\u00fd pr\u00edjem, no ch\u00fdbaj\u00fa v\u00e1m vlastn\u00e9 zdroje. Pr\u00e1ve tejto skupine vie nov\u00e9 pravidlo pom\u00f4c\u0165 najviac.<\/p>\n\n\n\n<p><strong>\u010caka\u0165 nem\u00e1 zmysel, ak<\/strong> na hypot\u00e9ku dosiahnete u\u017e dnes a na\u0161li ste nehnute\u013enos\u0165, ktor\u00e1 v\u00e1m vyhovuje cenou aj parametrami. Rozhodova\u0165 sa iba pod\u013ea toho, \u017ee o p\u00e1r mesiacov mo\u017eno budete potrebova\u0165 menej vlastn\u00fdch pe\u0148az\u00ed, sa v\u00e1m nemus\u00ed vyplati\u0165.<\/p>\n\n\n\n<p>Pred rozhodnut\u00edm si dajte obe mo\u017enosti prepo\u010d\u00edta\u0165: ko\u013eko vlastn\u00fdch zdrojov potrebujete dnes a ko\u013eko by ste potrebovali po pr\u00edpadnom zv\u00fd\u0161en\u00ed LTV. Do prepo\u010dtu patr\u00ed aj cena konkr\u00e9tnej nehnute\u013enosti, jej mo\u017en\u00fd rast a aktu\u00e1lna ponuka financovania.&nbsp;<\/p>\n\n\n\n<h2>Ak podnik\u00e1te, za\u010dnite rie\u0161i\u0165 hypot\u00e9ku sk\u00f4r<\/h2>\n\n\n\n<p>Mlad\u00ed \u013eudia, ktor\u00ed ned\u00e1vno za\u010dali podnika\u0165, tvoria osobitn\u00fa skupinu. Banky im posudzuj\u00fa pr\u00edjem pod\u013ea vlastn\u00fdch metod\u00edk a spravidla po\u017eaduj\u00fa dlh\u0161iu hist\u00f3riu podnikania a podan\u00e9 da\u0148ov\u00e9 priznanie.<\/p>\n\n\n\n<p>M\u00f4\u017eete ma\u0165 vysok\u00e9 faktur\u00e1cie, no banka ich nemus\u00ed v rovnakej v\u00fd\u0161ke uzna\u0165 ako pr\u00edjem na \u00fa\u010dely hypot\u00e9ky. Preto si e\u0161te pred pl\u00e1novan\u00edm k\u00fapy overte, s akou sumou bude re\u00e1lne pracova\u0165. Pri SZ\u010cO b\u00fdva pr\u00edprava dlh\u0161ia, tak\u017ee rie\u0161i\u0165 ju a\u017e vo chv\u00edli, ke\u010f u\u017e m\u00e1te vyhliadnut\u00fd konkr\u00e9tny byt, je zbyto\u010dn\u00e9 riziko.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/zrusenie-zivnosti-a-prechod-na-s-r-o-ako-to-ovplyvni-vasu-hypoteku\/\"><strong><em>Ak podnik\u00e1te, pre\u010d\u00edtajte si aj \u010fal\u0161ie u\u017eito\u010dn\u00e9 tipy.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2>6 r\u00e1d pre mlad\u00fdch, ako sa pripravi\u0165 na hypot\u00e9ku<\/h2>\n\n\n\n<p><strong>1. Najsk\u00f4r zistite, na ak\u00fa hypot\u00e9ku m\u00f4\u017eete dosiahnu\u0165<\/strong><\/p>\n\n\n\n<p>E\u0161te pred h\u013eadan\u00edm nehnute\u013enosti si overte, ak\u00fd \u00faver v\u00e1m banka vzh\u013eadom na pr\u00edjem, existuj\u00face z\u00e1v\u00e4zky a \u010fal\u0161ie krit\u00e9ri\u00e1 m\u00f4\u017ee poskytn\u00fa\u0165. S prepo\u010dtom \u00faverov\u00e9ho limitu a porovnan\u00edm mo\u017enost\u00ed vo viacer\u00fdch bank\u00e1ch m\u00f4\u017ee pom\u00f4c\u0165 aj <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00fd makl\u00e9r<\/a>.<\/p>\n\n\n\n<p><strong>2. Ak v\u00e1s limituje pr\u00edjem, zv\u00e1\u017ete \u010fal\u0161ieho dl\u017en\u00edka<\/strong><\/p>\n\n\n\n<p>Ale overte si, \u010di nevlastn\u00ed nehnute\u013enos\u0165 a \u010di spln\u00ed vekov\u00fd limit na vy\u0161\u0161ie percento financovania. Do \u00faveru m\u00f4\u017ee vst\u00fapi\u0165 napr\u00edklad partner, rodi\u010d alebo s\u00farodenec a spolo\u010dn\u00fd pr\u00edjem m\u00f4\u017ee zv\u00fd\u0161i\u0165 v\u00e1\u0161 \u00faverov\u00fd limit. Ak v\u0161ak spoludl\u017en\u00edk u\u017e byt alebo dom vlastn\u00ed, pr\u00edpadne m\u00e1 36 rokov a viac, zn\u00ed\u017ei sa \u0161anca na 90-percentn\u00e9 financovanie.&nbsp;<\/p>\n\n\n\n<p><strong>3. Ak m\u00e1te dostato\u010dn\u00fd pr\u00edjem, ale ch\u00fdbaj\u00fa v\u00e1m \u00faspory<\/strong><\/p>\n\n\n\n<p>Zv\u00e1\u017ete \u010dakanie do janu\u00e1ra, ale aj s jeho rizikami. Nov\u00e9 pravidlo by v\u00e1m mohlo umo\u017eni\u0165 financova\u0165 a\u017e 90 % hodnoty nehnute\u013enosti. Do janu\u00e1ra sa v\u0161ak m\u00f4\u017eu zmeni\u0165 ceny bytov aj \u00farokov\u00e9 sadzby. Navy\u0161e, banky nebud\u00fa ma\u0165 povinnos\u0165 schv\u00e1li\u0165 90 % ka\u017ed\u00e9mu mlad\u00e9mu \u010dloveku, aj ke\u010f spln\u00ed podmienku hypot\u00e9ky na prv\u00e9 b\u00fdvanie.<\/p>\n\n\n\n<p><strong>4. Vyberajte nehnute\u013enos\u0165 pod\u013ea svojich finan\u010dn\u00fdch mo\u017enost\u00ed<\/strong><\/p>\n\n\n\n<p>Ide\u00e1lne je najsk\u00f4r pozna\u0165 svoj \u00faverov\u00fd limit a a\u017e potom h\u013eada\u0165 adekv\u00e1tne b\u00fdvanie. \u00dalohu m\u00f4\u017ee zohra\u0165 aj lokalita, technick\u00fd stav \u010di hodnota stanoven\u00e1 bankou.<\/p>\n\n\n\n<p><strong>5. Porovnajte si ponuky viacer\u00fdch b\u00e1nk<\/strong><\/p>\n\n\n\n<p>L\u00ed\u0161ia sa <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farokovou sadzbou<\/a> aj sp\u00f4sobom, ak\u00fdm posudzuj\u00fa pr\u00edjem, pracovn\u00fa hist\u00f3riu \u010di \u010fal\u0161ie parametre klienta. Rozdiel v podmienkach m\u00f4\u017ee pri vy\u0161\u0161ej hypot\u00e9ke znamena\u0165 desiatky eur v mesa\u010dnej spl\u00e1tke.<\/p>\n\n\n\n<p><strong>6. Ak podnik\u00e1te, pripravujte sa na hypot\u00e9ku s v\u00e4\u010d\u0161\u00edm predstihom<\/strong><\/p>\n\n\n\n<p>Banky pri podnikate\u013eoch sk\u00famaj\u00fa dosiahnut\u00fd pr\u00edjem za dlh\u0161ie obdobie a podmienkou je podan\u00e9 da\u0148ov\u00e9 priznanie.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ak neviete, do ktorej skupiny patr\u00edte, nemus\u00edte na to pr\u00eds\u0165 sami. <a href=\"https:\/\/www.fingo.sk\/kontakty\">Makl\u00e9ri FinGO.sk<\/a> poznaj\u00fa podmienky v\u0161etk\u00fdch b\u00e1nk na trhu a prepo\u010d\u00edtaj\u00fa v\u00e1m, ko\u013eko v\u00e1m vedia po\u017ei\u010da\u0165 dnes aj ako by to vyzeralo po pr\u00edpadnom zv\u00fd\u0161en\u00ed limitu. Pod\u013ea va\u0161ej konkr\u00e9tnej situ\u00e1cie v\u00e1m potom poradia, \u010do urobi\u0165, aby ste z\u00edskali \u010do najv\u00fdhodnej\u0161iu hypot\u00e9ku.<\/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>K\u00fapi\u0165 byt teraz alebo po\u010dka\u0165 do janu\u00e1ra 2027? T\u00fato ot\u00e1zku si klad\u00fa mlad\u00ed \u013eudia \u010doraz \u010dastej\u0161ie. N\u00e1rodn\u00e1 banka Slovenska toti\u017e zmenila pravidl\u00e1 pre poskytovanie hypot\u00e9k tak, aby \u013eudia do 35 rokov pri prvom b\u00fdvan\u00ed mohli financova\u0165 a\u017e 90 % hodnoty nehnute\u013enosti namiesto dne\u0161n\u00fdch 80 %. Odpove\u010f v\u0161ak nie je pre v\u0161etk\u00fdch rovnak\u00e1. Pre niekoho m\u00f4\u017ee \u010dakanie znamena\u0165, \u017ee si na byt kone\u010dne dosiahne. Pre in\u00e9ho je to len straten\u00fd \u010das, po\u010das ktor\u00e9ho m\u00f4\u017eu nar\u00e1s\u0165 ceny nehnute\u013enost\u00ed aj \u00farokov\u00e9 sadzby. V \u010dl\u00e1nku n\u00e1jdete, \u010do presne sa m\u00e1 zmeni\u0165, koho sa zmeny bud\u00fa t\u00fdka\u0165, pre\u010do vy\u0161\u0161\u00ed limit automaticky neznamen\u00e1 vy\u0161\u0161iu hypot\u00e9ku a komu sa \u010dakanie oplat\u00ed. O ko\u013eko menej pe\u0148az\u00ed by ste potrebovali Najlep\u0161ie to vidno na pr\u00edklade. Pri byte za 200-tis\u00edc eur dnes potrebujete 40-tis\u00edc eur vlastn\u00fdch zdrojov. Pod\u013ea nov\u00fdch pravidiel by v\u00e1m mohlo sta\u010di\u0165 20-tis\u00edc. Pre mlad\u00e9ho \u010dloveka, ktor\u00fd si dlhodobo spor\u00ed na dofinancovanie hypot\u00e9ky, je to rozdiel nieko\u013ek\u00fdch rokov sporenia. 90 % existuje aj dnes. Rozdiel je v tom, komu sa ujde&nbsp; Hypot\u00e9ka na 90 % hodnoty nehnute\u013enosti nie je novinka. Banky ju poskytuj\u00fa aj v s\u00fa\u010dasnosti, m\u00f4\u017ee v\u0161ak \u00eds\u0165 najviac o p\u00e4tinu v\u0161etk\u00fdch poskytnut\u00fdch \u00faverov. Mlad\u00ed sa o tieto miesta delia so v\u0161etk\u00fdmi ostatn\u00fdmi \u017eiadate\u013emi a vopred nevedia, [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[195,36,81],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ka pre mlad\u00fdch: \u010co prines\u00fa nov\u00e9 pravidl\u00e1 NBS - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mlad\u00ed do 35 rokov m\u00f4\u017eu po novom z\u00edska\u0165 hypot\u00e9ku a\u017e na 90 % hodnoty bytu. 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