{"id":1418,"date":"2019-09-16T11:06:10","date_gmt":"2019-09-16T09:06:10","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1418"},"modified":"2019-09-16T13:34:22","modified_gmt":"2019-09-16T11:34:22","slug":"hypoteky-su-rekordne-lacne","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/","title":{"rendered":"Hypot\u00e9ky s\u00fa rekordne lacn\u00e9: Kto m\u00e1 \u0161ancu z\u00edska\u0165 najni\u017e\u0161\u00ed \u00farok z reklamy?"},"content":{"rendered":"

Rekordne n\u00edzke \u00farokov\u00e9 sadzby na hypot\u00e9kach s\u00fa l\u00e1kadlom pre ka\u017ed\u00e9ho, kto v\u00a0s\u00fa\u010dasnosti uva\u017euje nad k\u00fapou nehnute\u013enosti. Z\u00e1rove\u0148 motivuj\u00fa klientov k\u00a0refinancovaniu star\u00fdch \u00faverov, v\u010faka ktor\u00e9mu m\u00f4\u017eu <\/b>v\u00fdrazne u\u0161etri\u0165<\/b><\/a>. Ale vedeli ste, \u017ee najni\u017e\u0161\u00ed \u00farok z reklamy \u010dasto z\u00edskaj\u00fa len vybran\u00ed klienti? Banky si robia takzvan\u00e9 ratingy klientov a\u00a0od nich z\u00e1vis\u00ed, komu najlacnej\u0161iu hypot\u00e9ku naozaj \u201eodklepn\u00fa\u201c.<\/b><\/p>\n

Viacer\u00e9 banky v\u00a0s\u00fa\u010dasnosti vo svojich hypotek\u00e1rnych\u00a0kampaniach propaguj\u00fa <\/span>\u00farokov\u00e9 sadzby pod \u00farov\u0148ou 1 %<\/span><\/a>. Ale v\u00e4\u010d\u0161ina b\u00e1nk m\u00e1 z\u00e1rove\u0148 <\/span>na klientov nastaven\u00e9 tzv. ratingy<\/b>, ktor\u00e9 ovplyv\u0148uj\u00fa, ak\u00fd \u00farok pri po\u017eadovanej dobe fix\u00e1cie klienti dostan\u00fa. Rating, alebo inak povedan\u00e9 bonitu klienta, vyhodnocuj\u00fa banky interne na z\u00e1klade vlastn\u00fdch krit\u00e9ri\u00ed v r\u00e1mci svojej \u00faverovej politiky. Ale\u00a0to sa u\u017e v\u00a0telev\u00edznej kampani \u010di na plag\u00e1te banky k\u00a0hypot\u00e9ke nedozviete. \u010co v\u0161etko teda m\u00f4\u017ee ma\u0165 vplyv na fin\u00e1lnu v\u00fd\u0161ku v\u00e1\u0161ho \u00faroku?\u00a0<\/span><\/p>\n

D\u00f4le\u017eit\u00e1 je \u00faverov\u00e1 hist\u00f3ria<\/b><\/span><\/h3>\n

Vo v\u0161eobecnosti by sa dalo poveda\u0165, \u017ee z\u00e1sadn\u00fd vplyv na rating klienta m\u00e1 <\/span>okrem dostato\u010dn\u00e9ho pr\u00edjmu na spl\u00e1canie \u00faveru najm\u00e4 <\/b>\u00faverov\u00e1 hist\u00f3ria klienta.<\/b><\/a> T\u00fa si banky preveruj\u00fa v registri bankov\u00fdch a nebankov\u00fdch \u00faverov. Ak napr\u00edklad zistia, \u017ee ste mali v\u00a0minulosti ome\u0161kania a nespl\u00e1cali svoje z\u00e1v\u00e4zky na\u010das, pr\u00edpadne ste mali na krku exek\u00faciu \u010di nedoplatky v zdravotnej pois\u0165ovni alebo na da\u0148ovom \u00farade, budete ma\u0165 probl\u00e9m z\u00edska\u0165 v banke najni\u017e\u0161\u00ed \u00farok. <\/span>V hor\u0161om pr\u00edpade \u00faver nedostanete v\u00f4bec.\u00a0<\/b><\/p>\n

Bezchybn\u00e1 platobn\u00e1 discipl\u00edna v\u0161ak nemus\u00ed by\u0165 z\u00e1rukou najni\u017e\u0161ej \u00farokovej sadzby. Naj\u010dastej\u0161ie ju bez dodato\u010dn\u00fdch podmienok z\u00edskaj\u00fa \u017eiadatelia, ktor\u00ed \u017eiadaj\u00fa o\u00a0hypot\u00e9ku na <\/span>refinancovanie \u00faveru na b\u00fdvanie<\/b>. Pri v\u0161etk\u00fdch ostatn\u00fdch typoch \u00faverov maj\u00fa banky nastaven\u00e9 spom\u00ednan\u00e9 krit\u00e9ri\u00e1, ktor\u00e9 si interne vyhodnotia, zaradia v\u00e1s do pr\u00edslu\u0161nej ratingovej skupiny a pod\u013ea toho v\u00e1m schv\u00e1lia \u00farok.<\/span><\/p>\n

Ktor\u00ed klienti s\u00fa pre banku favoritmi<\/b><\/span><\/h3>\n

Najlep\u0161ie \u0161ance na top \u00faroky maj\u00fa v\u00a0bank\u00e1ch v\u00e4\u010d\u0161inou klienti s vysoko\u0161kolsk\u00fdm vzdelan\u00edm. Ide\u00e1lne je, ak <\/span>\u017eiadaj\u00fa o\u00a0\u00faver dvaja a maj\u00fa dlhodobej\u0161\u00ed pracovn\u00fd pomer.<\/b> Medzi pozit\u00edvne faktory m\u00f4\u017ee patri\u0165 aj to, ak u\u017e klient m\u00e1 nejak\u00fa \u00faverov\u00fa hist\u00f3riu, ktor\u00fa si banka vie v\u00a0\u00faverovom registri overi\u0165. Ke\u010f\u017ee v\u00e1m m\u00e1 po\u017ei\u010da\u0165 ve\u013ek\u00fa sumu pe\u0148az\u00ed, je pre \u0148u d\u00f4le\u017eit\u00e9 vedie\u0165, \u017ee ste v minulosti poctivo, riadne a v\u010das spl\u00e1cali napr\u00edklad svoju kreditn\u00fa kartu alebo p\u00f4\u017ei\u010dku.\u00a0<\/span><\/p>\n

Naopak, <\/span>ni\u017e\u0161iu bonitu maj\u00fa v bank\u00e1ch mlad\u00ed klienti<\/b>, ktor\u00ed s\u00fa zamestnan\u00ed alebo podnikaj\u00fa ve\u013emi kr\u00e1tku dobu, b\u00fdvaj\u00fa u rodi\u010dov, pr\u00edpadne maj\u00fa ni\u017e\u0161ie vzdelanie. Rizikom pre banku je, ak tak\u00fdto \u010dlovek vstupuje do \u00faveru s\u00e1m, preto v\u00e4\u010d\u0161inou na zlep\u0161enie \u00farokovej sadzby pom\u00f4\u017ee, ak do \u00faveru prist\u00fapi \u010fal\u0161ia osoba \u2013 teda partner \u010di partnerka.<\/span><\/p>\n

Z\u00e1le\u017e\u00ed aj na nehnute\u013enosti a\u00a0v\u00fd\u0161ke \u00faveru<\/b><\/span><\/h3>\n

S\u00fa aj banky, ktor\u00e9 v\u00fd\u0161ku \u00farokovej sadzby poskytn\u00fa pod\u013ea toho, ak\u00fa nehnute\u013enos\u0165 a\u00a0v\u00a0akej lokalite pl\u00e1nujete zalo\u017ei\u0165. Najlep\u0161ie \u00faroky s\u00fa nastaven\u00e9 <\/span>spravidla na byty v okresn\u00fdch a krajsk\u00fdch mest\u00e1ch<\/b>. Domy a in\u00e9 typy nehnute\u013enosti v ostatn\u00fdch lokalit\u00e1ch s\u00fa pre banky rizikovej\u0161ie z poh\u013eadu stability ich ceny a tie\u017e pr\u00edpadnej predajnosti, preto banky uprednost\u0148uj\u00fa viac byty.\u00a0<\/span><\/p>\n

Z\u00e1sadn\u00fd vplyv na to, \u010di z\u00edskate top \u00farokov\u00fa sadzbu, m\u00e1 v mnoh\u00fdch bank\u00e1ch <\/span>aj samotn\u00e1 v\u00fd\u0161ka hypot\u00e9ky a hlavne pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti – tzv. LTV.<\/b> Takmer v\u0161etky banky maj\u00fa nastaven\u00e9 najlep\u0161ie \u00farokov\u00e9 sadzby pre \u00favery do 80 % LTV. Niektor\u00e9 banky maj\u00fa odstup\u0148ovan\u00e9 sadzby aj pod\u013ea v\u00fd\u0161ky \u00faveru – klient m\u00f4\u017ee z\u00edska\u0165 lep\u0161\u00ed \u00farok napr\u00edklad na \u00faver od 70 000 \u010di 100 000 eur.\u00a0<\/span><\/p>\n

Ako e\u0161te banky podmie\u0148uj\u00fa TOP \u00farokov\u00e9 sadzby na hypot\u00e9kach<\/b><\/span><\/h3>\n