{"id":1703,"date":"2021-07-12T08:34:33","date_gmt":"2021-07-12T06:34:33","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1703"},"modified":"2022-02-09T15:18:21","modified_gmt":"2022-02-09T14:18:21","slug":"zvazujete-novu-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/zvazujete-novu-hypoteku\/","title":{"rendered":"Zva\u017eujete nov\u00fa hypot\u00e9ku? Pre\u010d\u00edtajte si aktu\u00e1lne pravidl\u00e1"},"content":{"rendered":"<p><b>Z\u00edska\u0165 hypot\u00e9ku nie je pre ka\u017ed\u00e9ho \u00faplne jednoduch\u00e9, ale nemus\u00ed to by\u0165 nemo\u017en\u00e9. \u00darokov\u00e9 sadzby s\u00fa rekordne n\u00edzke, preto ak ste na\u0161li svoj vysn\u00edvan\u00fd byt, pl\u00e1nujete <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-na-stavbu-domu-ako-postupovat\/\">stava\u0165 rodinn\u00fd dom<\/a> \u010di financova\u0165 rekon\u0161trukciu b\u00fdvania a nem\u00e1te vlastn\u00e9 prostriedky, pr\u00e1ve hypot\u00e9ka je st\u00e1le najv\u00fdhodnej\u0161\u00edm rie\u0161en\u00edm. Pre\u010d\u00edtajte si, ak\u00e9 pravidl\u00e1 v s\u00fa\u010dasnosti platia v bank\u00e1ch a ak\u00e9 m\u00e1te \u010fal\u0161ie mo\u017enosti, keby v\u00e1m z pr\u00edjmu nevych\u00e1dzala potrebn\u00e1 v\u00fd\u0161ka \u00faveru na b\u00fdvanie. <\/b><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00fa hypot\u00e9ku v\u00e1m m\u00f4\u017ee banka schv\u00e1li\u0165<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hypot\u00e9ky s\u00fa dnes <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><b>rekordn\u00e9 lacn\u00e9,<\/b><\/a><span style=\"font-weight: 400;\"> ale banky sa musia pri ich schva\u013eovan\u00ed riadi\u0165 pravidlami N\u00e1rodnej banky Slovenska (NBS). T\u00e1 sa rozhodla e\u0161te vlani<\/span> <b>zadl\u017eenos\u0165 \u013eud\u00ed pribrzdi\u0165 <\/b><span style=\"font-weight: 400;\">a obmedzi\u0165 ju na prijate\u013en\u00fa \u00farove\u0148 vzh\u013eadom k v\u00fd\u0161ke ich pr\u00edjmu.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Od 1. 1. 2020 sa postupne<\/span><span style=\"font-weight: 400;\"> za\u010dala <\/span><span style=\"font-weight: 400;\">navy\u0161ova\u0165 <\/span><b>povinn\u00e1 finan\u010dn\u00e1 rezerva<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 v\u00e1m mus\u00ed osta\u0165 po odpo\u010d\u00edtan\u00ed v\u0161etk\u00fdch va\u0161ich spl\u00e1tok hypot\u00e9ky, p\u00f4\u017ei\u010diek, kreditn\u00fdch kariet \u010di povolen\u00e9ho pre\u010derpania.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Celkov\u00e1 suma spl\u00e1tok va\u0161ich \u00faverov po odpo\u010d\u00edtan\u00ed \u017eivotn\u00e9ho minima <\/span><span style=\"font-weight: 400;\">m\u00f4\u017ee <\/span><span style=\"font-weight: 400;\">dosiahnu\u0165 <\/span><b>maxim\u00e1lne 60 % z v\u00e1\u0161ho pr\u00edjmu<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad 1:<\/b><\/span><b> Ste rodina s 2 de\u0165mi a spolo\u010dn\u00fd mesa\u010dn\u00fd pr\u00edjem rodi\u010dov je 1 200 eur.<\/b><span style=\"font-weight: 400;\"> Va\u0161a mesa\u010dn\u00e1 spl\u00e1tka hypot\u00e9ky <\/span><span style=\"font-weight: 400;\">s priemern\u00fdm \u00farokom 0,99 %<\/span><span style=\"font-weight: 400;\"> m\u00f4\u017ee by\u0165 maxim\u00e1lne 289 eur <\/span><span style=\"font-weight: 400;\">a banka v\u00e1m teda<\/span><span style=\"font-weight: 400;\"> poskytne \u00faver maxim\u00e1lne <strong>89 980 eur<\/strong>. Pr\u00edklad plat\u00ed za predpokladu, \u017ee by ste \u017eiadali len o hypot\u00e9ku bez nutnosti dofinancovania napr\u00edklad in\u00fdm \u00faverom.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad 2<\/b><span style=\"font-weight: 400;\">:<\/span> <\/span><b>Ste slobodn\u00fd, bezdetn\u00fd, s \u010dist\u00fdm mesa\u010dn\u00fdm pr\u00edjmom 1 000 eur.<\/b><span style=\"font-weight: 400;\"> M\u00e1te existuj\u00faci spotrebn\u00fd \u00faver so zostatkom 10 000 eur so spl\u00e1tkou 204 eur a m\u00e1te z\u00e1ujem o nov\u00fa hypot\u00e9ku. Banka v\u00e1m ju m\u00f4\u017ee poskytn\u00fa\u0165 maxim\u00e1lne vo v\u00fd\u0161ke <\/span><strong>62 893<\/strong><span style=\"font-weight: 400;\"><strong> eur<\/strong>, s mesa\u010dnou spl\u00e1tkou 202 eur. K vy\u0161\u0161iemu limitu \u00faveru by ste sa dostali len za predpokladu splatenia existuj\u00faceho \u00faveru alebo jeho konsolid\u00e1cie na lacnej\u0161\u00ed \u00faver s ni\u017e\u0161ou spl\u00e1tkou.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Aktu\u00e1lne ponuky hypot\u00e9k od v\u0161etk\u00fdch relevantn\u00fdch b\u00e1nk na trhu si m\u00f4\u017eete porovna\u0165 aj online na na\u0161ej str\u00e1nke <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" class=\"alignnone size-full wp-image-3434\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/hypo_kalkulacka_blog2.gif\" alt=\"Fingo hypotekarna kalkulacka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Kto to m\u00e1 pri \u017eiadosti o \u00faver naj\u0165a\u017e\u0161ie<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pr\u00edsnej\u0161ie pravidl\u00e1<\/span><span style=\"font-weight: 400;\"> z dielne NBS <\/span><span style=\"font-weight: 400;\">ohrozili viacer\u00e9 skupiny \u013eud\u00ed, ktor\u00e9 <\/span><span style=\"font-weight: 400;\">museli <\/span><span style=\"font-weight: 400;\">prehodnoti\u0165 svoje <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/\">\u00faverov\u00e9 mo\u017enosti<\/a> a tomu prisp\u00f4sobi\u0165 aj to, ak\u00e9 b\u00fdvanie si <\/span><span style=\"font-weight: 400;\">m\u00f4\u017eu <\/span><span style=\"font-weight: 400;\">dovoli\u0165. Pri v\u00fd\u0161ke hypot\u00e9ky, a teda aj pri v\u00fdbere nehnute\u013enosti sa<\/span><span style=\"font-weight: 400;\"> musia <\/span><span style=\"font-weight: 400;\">uskromni\u0165 a <\/span><span style=\"font-weight: 400;\">robi\u0165 <\/span><span style=\"font-weight: 400;\">viac kompromisov.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pri \u017eiadosti o hypot\u00e9ku to maj\u00fa naj\u0165a\u017e\u0161ie<\/span> <b>dom\u00e1cnosti s ni\u017e\u0161\u00edmi pr\u00edjmami<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 maj\u00fa v\u00fddavky na hrane.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00daverov\u00e9 mo\u017enosti s\u00fa viac obmedzen\u00e9 <\/span><span style=\"font-weight: 400;\">aj <\/span><span style=\"font-weight: 400;\">pre <\/span><b>rodiny s de\u0165mi<\/b><span style=\"font-weight: 400;\">, v ktor\u00fdch je viac vy\u017eivovan\u00fdch os\u00f4b, \u010d\u00edm sa automaticky ich v\u00fd\u0161ka disponibiln\u00e9ho pr\u00edjmu zni\u017euje. Finan\u010dn\u00e1 rezerva sa toti\u017e mus\u00ed rozr\u00e1ta\u0165 aj na deti.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V\u00fdraznej\u0161ie sa <\/span><b>zhor\u0161i<\/b><b>li <\/b><b>mo\u017enosti \u010fal\u0161ieho \u00faverovania osob\u00e1m, ktor\u00e9 u\u017e nejak\u00e9 \u00favery spl\u00e1caj\u00fa<\/b><span style=\"font-weight: 400;\">. V tomto kontexte si treba dobre rozmyslie\u0165 a zv\u00e1\u017ei\u0165, na ak\u00fd \u00fa\u010del a \u010di v\u00f4bec si zobra\u0165 \u00faver.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00edsnej\u0161ie pravidl\u00e1 <\/span><span style=\"font-weight: 400;\">\u013eudia poc\u00edtili <\/span><span style=\"font-weight: 400;\">aj v pr\u00edpade, ak chc\u00fa nehnute\u013enos\u0165 k\u00fapi\u0165, ale nemaj\u00fa <\/span><b>\u017eiadne vlastn\u00e9 peniaze<\/b><span style=\"font-weight: 400;\">. Mo\u017eno dostan\u00fa v banke hypot\u00e9ku vo v\u00fd\u0161ke 80 % z hodnoty nehnute\u013enosti, ale na zvy\u0161n\u00fa sumu <\/span><b>na<\/b><a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\"><b> dofinancovanie<\/b><\/a><b> k\u00fapnej ceny<\/b><span style=\"font-weight: 400;\"> im u\u017e <\/span><b>nezostane potrebn\u00e1 rezerva<\/b><span style=\"font-weight: 400;\"> z tohto limitu. <\/span><span style=\"font-weight: 400;\">Len ka\u017ed\u00fd piaty \u017eiadate\u013e o \u00faver m\u00e1 \u0161ancu z\u00edska\u0165 90 %-n\u00e9 financovanie, pokia\u013e sa v danej banke na tak\u00fdto \u00faver kvalifikuje.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Preto mnoh\u00ed musia <\/span><b>robi\u0165 pri v\u00fdbere vhodn\u00e9ho b\u00fdvania kompromisy<\/b><span style=\"font-weight: 400;\">. Upustia od k\u00fapy drah\u0161ej nehnute\u013enosti a k\u00fapia rad\u0161ej men\u0161\u00ed byt alebo dom v inej lokalite. Niektor\u00ed<\/span><span style=\"font-weight: 400;\"> musia<\/span><span style=\"font-weight: 400;\"> po\u010dka\u0165 s k\u00fapou nieko\u013eko rokov, k\u00fdm si do\u0161etria 20 % vlastn\u00fdch zdrojov.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>4 tipy, ktor\u00e9 v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>1.<\/strong> <\/span>Pokia\u013e v\u00e1m v banke nevych\u00e1dza po\u017eadovan\u00e1 v\u00fd\u0161ka \u00faveru, alebo nesp\u013a\u0148ate akcepta\u010dn\u00e9 krit\u00e9ri\u00e1 banky, m\u00f4\u017eu v\u00e1m pom\u00f4c\u0165 <\/span><b>rodi\u010dia alebo in\u00e9 bl\u00edzke osoby, <\/b><span style=\"font-weight: 400;\">ktor\u00e9<\/span><b> maj\u00fa zdokladovate\u013en\u00fd pr\u00edjem.<\/b><span style=\"font-weight: 400;\"> Bud\u00fa tak spolo\u010dne s vami figurova\u0165 v \u00faverovej zmluve.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">2.<\/span> <\/strong>Ak nem\u00e1te dostatok vlastn\u00fdch zdrojov na dofinancovanie k\u00fapnej ceny, m\u00f4\u017eu v\u00e1m rodi\u010dia pom\u00f4c\u0165 aj t\u00fdm, \u017ee <\/span><b>bud\u00fa ru\u010di\u0165 <\/b><span style=\"font-weight: 400;\">v prospech banky<\/span><b> aj svojou nehnute\u013enos\u0165ou.<\/b><span style=\"font-weight: 400;\"> To znamen\u00e1, \u017ee banke pon\u00faknete dostato\u010dn\u00fa hodnotu zabezpe\u010denia, preto v\u00e1m m\u00f4\u017ee vyjs\u0165 po\u017eadovan\u00e1 suma \u00faveru aj bez potreby vlastn\u00fdch pe\u0148az\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>3.<\/strong> <\/span>Niekedy m\u00f4\u017ee pom\u00f4c\u0165 k z\u00edskaniu hypot\u00e9ky aj to, ak va\u0161i rodi\u010dia maj\u00fa <\/span><b>existuj\u00facu zmluvu<a href=\"https:\/\/www.fingo.sk\/blog\/stavebne-sporenie-5-dovodov-preco-by-ste-s-nim-stale-mali-pocitat\/\"> stavebn\u00e9ho sporenia<\/a><\/b><span style=\"font-weight: 400;\">, ktor\u00e1 m\u00f4\u017ee by\u0165 pou\u017eit\u00e1 pre v\u00e1s ako rodinn\u00e9ho pr\u00edslu\u0161n\u00edka. T\u00fdm m\u00f4\u017eete z\u00edska\u0165 vy\u0161\u0161iu sumu \u00faveru alebo lep\u0161ie podmienky napr\u00edklad na dofinancovanie hypot\u00e9ky \u00faverom stavebnej sporite\u013ene.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>4.<\/strong><\/span> Pom\u00f4c\u0165 m\u00f4\u017ee aj <\/span><b>prehodnotenie existuj\u00facich spl\u00e1tok \u00faverov<\/b><span style=\"font-weight: 400;\">, ak u\u017e spl\u00e1cate \u010di u\u017e star\u0161iu hypot\u00e9ku, ale aj spotrebn\u00fd \u00faver \u010di kreditn\u00fa kartu. Po ich zl\u00fa\u010den\u00ed m\u00f4\u017ee vznikn\u00fa\u0165 priestor na vy\u0161\u0161iu spl\u00e1tku hypot\u00e9ky, teda aj vy\u0161\u0161\u00ed \u00faver.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do financova\u0165 b\u00fdvanie pr\u00e1ve hypot\u00e9kou<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V\u010faka rekordne n\u00edzkym \u00farokov\u00fdm sadzb\u00e1m na hypot\u00e9kach je \u00faver na b\u00fdvanie <strong>najv\u00fdhodnej\u0161ou formou<\/strong> financovania b\u00fdvania. \u010ci u\u017e ide o k\u00fapu nehnute\u013enosti, jej <a href=\"https:\/\/www.fingo.sk\/blog\/rekonstrukcia-byvania-vyhodne-financovanie\/\">rekon\u0161trukciu<\/a> alebo v\u00fdstavbu. Najv\u00e4\u010d\u0161ou v\u00fdhodou hypot\u00e9ky s\u00fa n\u00edzke \u00farokov\u00e9 sadzby, flexibiln\u00e1 splatnos\u0165 na dlh\u00fa dobu a <a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke\/\">fix\u00e1cia \u00faroku<\/a> pod\u013ea va\u0161ej preferencie.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>n\u00edzka \u00farokov\u00e1 sadzba<\/strong> v\u010faka ru\u010deniu nehnute\u013enos\u0165ou<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>dlh\u00e1 splatnos\u0165<\/strong> hypot\u00e9ky neza\u0165a\u017e\u00ed mesa\u010dn\u00fd rozpo\u010det<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mo\u017enos\u0165 vo\u013eby <strong>\u013eubovo\u013enej fix\u00e1cie<\/strong>, dnes si \u013eudia radi fixuj\u00fa spl\u00e1tku a\u017e na 10 rokov<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mo\u017enos\u0165 realizova\u0165 bezplatn\u00e9 <strong>mimoriadne spl\u00e1tky<\/strong>, hypot\u00e9ku m\u00f4\u017eete flexibilne spl\u00e1ca\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>jednoduch\u00e9 dokladovanie<\/strong> \u00fa\u010delu, r\u00fdchle vybavenie, obvykle r\u00fdchle \u010derpanie na z\u00e1klade n\u00e1vrhu na vklad z\u00e1lo\u017en\u00fdch zml\u00fav do katastra, nie a\u017e po ich z\u00e1pise<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">aktu\u00e1lne <strong>minim\u00e1lne celkov\u00e9 preplatenie<\/strong> \u00faveru z d\u00f4vodu rekordne n\u00edzkych \u00farokov\u00fdch sadzieb<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00faver m\u00f4\u017eete v niektor\u00fdch bank\u00e1ch vybavi\u0165 <strong>aj bez poplatku<\/strong> za poskytnutie\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">viacer\u00e9 \u00favery m\u00f4\u017eete zl\u00fa\u010di\u0165 do jednej <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\"><strong>refinan\u010dnej hypot\u00e9ky<\/strong> <\/a>a t\u00fdm v\u00fdrazne zn\u00ed\u017eite mesa\u010dn\u00e9 za\u0165a\u017eenie v\u00e1\u0161ho rozpo\u010dtu<\/span><\/li>\n<\/ul>\n<blockquote><p>Mno\u017estvo praktick\u00fdch r\u00e1d a tipov pri v\u00fdbere vhodnej hypot\u00e9ky n\u00e1jdete aj v na\u0161om sprievodcovi k nov\u00e9mu b\u00fdvaniu, ktor\u00e9ho si m\u00f4\u017eete\u00a0<a class=\"c-link\" tabindex=\"-1\" href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" data-sk=\"tooltip_parent\" data-remove-tab-index=\"true\">stiahnu\u0165 zadarmo<\/a>.<\/p><\/blockquote>\n<p><a href=\"https:\/\/www.fingo.sk\/ebook\/10-1-krok-k-novemu-byvaniu\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter wp-image-4752 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png\" alt=\"Fingo_hypo_ebook\" width=\"740\" height=\"387\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1.png 740w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/12\/meta_ebook-1-300x157.png 300w\" sizes=\"(max-width: 740px) 100vw, 740px\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00e9 s\u00fa parametre hypot\u00e9ky vo v\u00e4\u010d\u0161ine b\u00e1nk<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aktu\u00e1lne \u00farokov\u00e9 sadzby hypot\u00e9k sa pohybuj\u00fa <\/span><b>okolo 1 % ro\u010dne. <\/b><span style=\"font-weight: 400;\">Niektor\u00e9 banky pon\u00fakaj\u00fa aj \u00faroky 0,5 %, av\u0161ak s\u00fa aj banky s \u00farokmi okolo 2 %. Rozdiely s\u00fa v dosiahnutom hodnoten\u00ed \u017eiadate\u013ea v banke a plat\u00ed, \u017ee \u010d\u00edm je lep\u0161\u00ed rating klienta, t\u00fdm lep\u0161\u00ed \u00farok m\u00f4\u017ee dosta\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banky vo v\u0161eobecnosti poskytuj\u00fa \u00favery s t\u00fdmito parametrami:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>v\u00fd\u0161ka \u00faveru<\/b><span style=\"font-weight: 400;\"> min. 5.000 eur, max. bez obmedzenia &#8211; z\u00e1vis\u00ed od hodnoty zabezpe\u010denia \u00faveru a va\u0161ej schopnosti spl\u00e1ca\u0165 \u00faver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>doba splatnosti<\/b><span style=\"font-weight: 400;\"> min. 4 roky, max. 30 rokov, v niektor\u00fdch bank\u00e1ch aj 40 rokov<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">hypot\u00e9ku m\u00f4\u017eete z\u00edska\u0165 na tieto <\/span><b>\u00fa\u010dely:<\/b><span style=\"font-weight: 400;\"> nadobudnutie nehnute\u013enosti, refinancovanie \u00faverov (zabezpe\u010den\u00fdch, nezabezpe\u010den\u00fdch), rekon\u0161trukcia \/\u00fadr\u017eba, v\u00fdstavba, bez \u00fa\u010delu, resp. s mo\u017enos\u0165ou kombin\u00e1cie vybran\u00fdch \u00fa\u010delov<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00farokov\u00e1 sadzba hypot\u00e9ky je fixovan\u00e1, <\/b><span style=\"font-weight: 400;\">tak\u017ee sa zo strany banky po\u010das obdobia fix\u00e1cie nemen\u00ed. M\u00f4\u017eete si vybra\u0165 obdobie fix\u00e1cie 1, 2, 3, 5, 7, \u010di 10 rokov<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pozor! <\/b><\/span><span style=\"font-weight: 400;\">Najv\u00e4\u010d\u0161ou chybou je, ak sa uspokoj\u00edte s prvou ponukou \u00faveru, ktor\u00fa dostanete. Ka\u017ed\u00e1 banka m\u00e1 in\u00fd poh\u013ead na klienta a z\u00e1vis\u00ed od intern\u00fdch krit\u00e9ri\u00ed jednotliv\u00fdch b\u00e1nk, ak\u00fa hypot\u00e9ku a s ak\u00fdmi podmienkami napokon dostanete. Preto je lep\u0161ie urobi\u0165 si <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsia-hypoteka\/\">porovnanie b\u00e1nk<\/a> naprie\u010d cel\u00fdm bankov\u00fdm trhom.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\">FinGO.sk hypot\u00e9kam rozumie<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak sa chcete poradi\u0165 ako z\u00edska\u0165 \u010do najv\u00fdhodnej\u0161iu hypot\u00e9ku,\u00a0zavolajte n\u00e1m na<\/span><a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><b> 0800 60 10 60<\/b><\/span><\/a><span style=\"font-weight: 400;\"> alebo n\u00e1m <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>zanechajte va\u0161e \u00fadaje<\/strong><\/a> a\u00a0my sa v\u00e1m ozveme. <\/span><b>FinGO.sk patr\u00ed k\u00a0najv\u00e4\u010d\u0161\u00edm sprostredkovate\u013eom hypot\u00e9k<\/b><span style=\"font-weight: 400;\"> na Slovensku a\u00a0klienti na na\u0161ich makl\u00e9roch oce\u0148uj\u00fa r\u00fdchlos\u0165, profesionalitu a\u00a0dlhoro\u010dn\u00e9 sk\u00fasenosti.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aj keby ste hypot\u00e9ku rie\u0161ili a\u017e v bud\u00facnosti, <\/span><span style=\"font-weight: 400;\">porad\u00edme v\u00e1m, ako si vopred <strong>na\u0161etri\u0165 na dofinancovanie<\/strong> hypot\u00e9ky alebo si <\/span><strong><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/\">zv\u00fd\u0161i\u0165 \u0161ance<\/a><\/strong><span style=\"font-weight: 400;\"> na \u00faver a k vysn\u00edvan\u00e9mu b\u00fdvaniu sa dopracova\u0165 r\u00fdchlej\u0161ie.\u00a0<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/1703#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Z\u00edska\u0165 hypot\u00e9ku nie je pre ka\u017ed\u00e9ho \u00faplne jednoduch\u00e9, ale nemus\u00ed to by\u0165 nemo\u017en\u00e9. \u00darokov\u00e9 sadzby s\u00fa rekordne n\u00edzke, preto ak ste na\u0161li svoj vysn\u00edvan\u00fd byt, pl\u00e1nujete stava\u0165 rodinn\u00fd dom \u010di financova\u0165 rekon\u0161trukciu b\u00fdvania a nem\u00e1te vlastn\u00e9 prostriedky, pr\u00e1ve hypot\u00e9ka je st\u00e1le najv\u00fdhodnej\u0161\u00edm rie\u0161en\u00edm. Pre\u010d\u00edtajte si, ak\u00e9 pravidl\u00e1 v s\u00fa\u010dasnosti platia v bank\u00e1ch a ak\u00e9 m\u00e1te \u010fal\u0161ie mo\u017enosti, keby v\u00e1m z pr\u00edjmu nevych\u00e1dzala potrebn\u00e1 v\u00fd\u0161ka \u00faveru na b\u00fdvanie. Ak\u00fa hypot\u00e9ku v\u00e1m m\u00f4\u017ee banka schv\u00e1li\u0165 Hypot\u00e9ky s\u00fa dnes rekordn\u00e9 lacn\u00e9, ale banky sa musia pri ich schva\u013eovan\u00ed riadi\u0165 pravidlami N\u00e1rodnej banky Slovenska (NBS). T\u00e1 sa rozhodla e\u0161te vlani zadl\u017eenos\u0165 \u013eud\u00ed pribrzdi\u0165 a obmedzi\u0165 ju na prijate\u013en\u00fa \u00farove\u0148 vzh\u013eadom k v\u00fd\u0161ke ich pr\u00edjmu. Od 1. 1. 2020 sa postupne za\u010dala navy\u0161ova\u0165 povinn\u00e1 finan\u010dn\u00e1 rezerva, ktor\u00e1 v\u00e1m mus\u00ed osta\u0165 po odpo\u010d\u00edtan\u00ed v\u0161etk\u00fdch va\u0161ich spl\u00e1tok hypot\u00e9ky, p\u00f4\u017ei\u010diek, kreditn\u00fdch kariet \u010di povolen\u00e9ho pre\u010derpania. Celkov\u00e1 suma spl\u00e1tok va\u0161ich \u00faverov po odpo\u010d\u00edtan\u00ed \u017eivotn\u00e9ho minima m\u00f4\u017ee dosiahnu\u0165 maxim\u00e1lne 60 % z v\u00e1\u0161ho pr\u00edjmu\u00a0 Pr\u00edklad 1: Ste rodina s 2 de\u0165mi a spolo\u010dn\u00fd mesa\u010dn\u00fd pr\u00edjem rodi\u010dov je 1 200 eur. Va\u0161a mesa\u010dn\u00e1 spl\u00e1tka hypot\u00e9ky s priemern\u00fdm \u00farokom 0,99 % m\u00f4\u017ee by\u0165 maxim\u00e1lne 289 eur a banka v\u00e1m teda poskytne \u00faver maxim\u00e1lne 89 980 eur. Pr\u00edklad plat\u00ed za predpokladu, \u017ee by [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,73,157],"tags":[23,195,22,78,20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zva\u017eujete nov\u00fa hypot\u00e9ku? Pre\u010d\u00edtajte si aktu\u00e1lne pravidl\u00e1 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Z\u00edska\u0165 hypot\u00e9ku nie je pre ka\u017ed\u00e9ho \u00faplne jednoduch\u00e9, ale nemus\u00ed to by\u0165 nemo\u017en\u00e9. Pre\u010d\u00edtajte si, ak\u00e9 pravidl\u00e1 v s\u00fa\u010danosti platia v bank\u00e1ch.\" \/>\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\/zvazujete-novu-hypoteku\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zva\u017eujete nov\u00fa hypot\u00e9ku? Pre\u010d\u00edtajte si aktu\u00e1lne pravidl\u00e1 - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Z\u00edska\u0165 hypot\u00e9ku nie je pre ka\u017ed\u00e9ho \u00faplne jednoduch\u00e9, ale nemus\u00ed to by\u0165 nemo\u017en\u00e9. 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