{"id":2417,"date":"2020-07-13T11:09:48","date_gmt":"2020-07-13T09:09:48","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2417"},"modified":"2022-03-08T15:44:20","modified_gmt":"2022-03-08T14:44:20","slug":"refinancovanie-hypoteky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/","title":{"rendered":"Refinancovanie hypot\u00e9ky je v kurze! Ako si zn\u00ed\u017ei\u0165 \u00farok?"},"content":{"rendered":"<p><b>Financovali ste v\u00a0posledn\u00fdch rokoch svoje b\u00fdvanie? V<\/b><b>iete o\u00a0tom, \u017ee len v\u00a0priebehu minul\u00e9ho roka\u00a0klesli priemern\u00e9 \u00farokov\u00e9 sadzby\u00a0na hypot\u00e9kach\u00a0takmer o\u00a0polovicu?\u00a0Je \u010das, aby ste sa pozreli na podmienky svojho \u00faveru a zamysleli sa nad refinancovan\u00edm. Pand\u00e9mia mnoh\u00fdm otvorila o\u010di a v oblasti rodinn\u00fdch financi\u00ed uk\u00e1zala mo\u017enosti, na \u010dom v\u0161etkom by mohli \u013eudia <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoje-zmluvy-pod-kontrolou\/\">u\u0161etri\u0165<\/a>. So sk\u00fasen\u00fdm\u00a0finan\u010dn\u00fdm sprostredkovate\u013eom sa v\u00e1m to ur\u010dite podar\u00ed.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u013ea \u0161tatist\u00edk v\u00e4\u010d\u0161ina klientov na trhu spl\u00e1ca hypot\u00e9ky s\u00a0dvojn\u00e1sobn\u00fdmi \u00farokov\u00fdmi sadzbami oproti aktu\u00e1lnym \u00farokom, ktor\u00e9 v s\u00fa\u010dasnosti poskytuj\u00fa banky na nov\u00fdch \u00faveroch. Refinancovanie je teda pre mnoh\u00fdch cesta ako u\u0161etri\u0165 a <strong>na rozdiel od odkladu spl\u00e1tok <\/strong>nejde len o kr\u00e1tkodob\u00e9 rie\u0161enie.\u00a0<\/span><span style=\"font-weight: 400;\">Hoci banky po\u010das pand\u00e9mie poskytuj\u00fa nov\u00e9 aj refinan\u010dn\u00e9 \u00favery<a href=\"https:\/\/www.fingo.sk\/blog\/ako-ziskat-hypoteku-pocas-korona-krizy\/\"> obozretnej\u0161ie<\/a>, st\u00e1le m\u00f4\u017eete z\u00edska\u0165 na \u00favere aj <strong>\u00faroky od 0,5 %<\/strong>. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Ak teda spl\u00e1cate hypot\u00e9ku s\u00a0ove\u013ea vy\u0161\u0161\u00edm \u00farokom, aj vy by ste mali \u00eds\u0165 do refinancovania, a\u00a0to \u010d\u00edm sk\u00f4r. V\u00fdrazne si tak <strong>zn\u00ed\u017eite mesa\u010dn\u00fa spl\u00e1tku a\u00a0celkov\u00e9 preplatenie<\/strong> hypot\u00e9ky. M\u00f4\u017eete takto u\u0161etri\u0165 aj tis\u00edcky eur, alebo si zabezpe\u010di\u0165 nemenn\u00fa mesa\u010dn\u00fa spl\u00e1tku pokojne aj na \u010fal\u0161\u00edch 10 rokov.<\/span><\/p><\/blockquote>\n<p><span style=\"color: #ec8124;\"><b>PR\u00cdKLAD:<\/b><\/span><span style=\"font-weight: 400;\"> Rozdiel v\u00a0spl\u00e1tke <\/span><b>pri hypot\u00e9ke 100 000 eur<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 bola poskytnut\u00e1 2 roky dozadu, m\u00f4\u017ee by\u0165 aj\u00a0<\/span>viac ako <b>40 eur mesa\u010dne<\/b><span style=\"font-weight: 400;\">. Celkov\u00e1 mo\u017en\u00e1 \u00faspora na celom preplaten\u00ed \u00faveru m\u00f4\u017ee dosiahnu\u0165 a\u017e<\/span><b> 14 000 eur <\/b><span style=\"font-weight: 400;\">a z t\u00fdchto u\u0161etren\u00fdch pe\u0148az\u00ed by ste si\u00a0 mohli postupne vytvori\u0165 nevyhnutn\u00fa rezervu na pr\u00edpadn\u00e9 v\u00fdpadky pr\u00edjmov alebo mimoriadne v\u00fddavky. \u010co vy na to?\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ka\u017ed\u00fd chce z\u00edska\u0165 v\u00fdhodnej\u0161ie podmienky<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak chcete z\u00edska\u0165 lep\u0161ie podmienky na svojej existuj\u00facej hypot\u00e9ke, z\u00e1kladn\u00e1 rada znie \u2013 <\/span>obr\u00e1\u0165te sa na<a href=\"https:\/\/www.fingo.sk\/blog\/hypoteku-nerieste-sami-moze-vas-vyjst-draho\/\"> sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a>.<span style=\"font-weight: 400;\"> Ten v\u00e1m vie u\u017e pri prvom stretnut\u00ed poradi\u0165, \u010di sa v\u00e1\u0161 \u00faver oplat\u00ed refinancova\u0165,\u00a0za ak\u00fdch podmienok, ak\u00fa fix\u00e1ciu zvoli\u0165 a\u00a0ako pri tom postupova\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>FinGO.sk<\/strong><\/span> finan\u010dn\u00ed sprostredkovatelia maj\u00fa s refinancovan\u00edm hypot\u00e9k<\/span> dlhoro\u010dn\u00e9 sk\u00fasenosti.<span style=\"font-weight: 400;\"> N\u00e1jdete n\u00e1s v\u00a0ka\u017edom okrese na Slovensku, sta\u010d\u00ed ak n\u00e1m zavol\u00e1te na<\/span><span style=\"color: #ec8124;\"><b> 0800 60 10 60<\/b><\/span><span style=\"font-weight: 400;\"> alebo n\u00e1m <\/span><span style=\"color: #ec8124;\"><b>zanechajte va\u0161e \u00fadaje<\/b><\/span> <span style=\"font-weight: 400;\">a\u00a0my sa v\u00e1m ozveme.\u00a0\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\/2417#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<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Obvykle makl\u00e9r oslov\u00ed najsk\u00f4r va\u0161u vlastn\u00fa banku a sk\u00fasi v\u00e1m pom\u00f4c\u0165 vyjedna\u0165<\/span><b> lep\u0161\u00ed \u00farok na p\u00f4vodnom \u00favere<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Ka\u017ed\u00e1 banka je v\u00a0tomto in\u00e1.<\/strong> Niektor\u00e9 \u201epustia\u201c svojich klientov \u013eahko, in\u00e9 sa o\u00a0nich naopak \u201epobij\u00fa\u201c, hlavne ak t\u00edto klienti v\u00a0banke akt\u00edvne vyu\u017e\u00edvaj\u00fa aj \u010fal\u0161ie produkty a slu\u017eby.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Finan\u010dn\u00fd sprostredkovate\u013e pozn\u00e1 <strong>\u0161pecifik\u00e1 jednotliv\u00fdch b\u00e1nk<\/strong> a\u00a0porad\u00ed, \u010di sa oplat\u00ed vyjedn\u00e1va\u0165 so svojou bankou alebo sa rovno poobzera\u0165 po inej.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto namiesto toho, aby ste za\u010dali refinancovanie hypot\u00e9ky rie\u0161i\u0165 sami, <strong>rad\u0161ej si s\u00a0n\u00edm sadnite<\/strong> a\u00a0u\u0161etr\u00edte mno\u017estvo \u010dasu.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Banka zis\u0165uje v\u00fd\u0161ku pr\u00edjmu len ak si chcete nav\u00fd\u0161i\u0165 \u00faver<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pri refinancovan\u00ed hypot\u00e9ky nov\u00e1 banka v\u00e4\u010d\u0161inou <\/span><b>nezis\u0165uje v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu<\/b><span style=\"font-weight: 400;\">, len sa zauj\u00edma o jeho existenciu. \u0160tandardne ide len o overenie, \u010di ste zamestnan\u00fd alebo <a href=\"https:\/\/www.fingo.sk\/blog\/ako-podnikatelia-dokladuju-prijem-pri-hypoteke-a-co-ak-je-vas-biznis-docasne-ohrozeny\/\">podnik\u00e1te<\/a> a v akom odvetv\u00ed. Podstatn\u00e1 je dostato\u010dne dlh\u00e1 doba spl\u00e1cania p\u00f4vodnej hypot\u00e9ky a to, \u010di ste ju doposia\u013e spl\u00e1cali riadne a v\u010das.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pozor!<\/b><\/span><span style=\"font-weight: 400;\"> V \u010dase pand\u00e9mie v\u0161ak niektor\u00e9 banky zjednodu\u0161en\u00e9 overovanie pr\u00edjmu do\u010dasne obmedzili z d\u00f4vodu zv\u00fd\u0161en\u00e9ho rizika niektor\u00fdch \u017eiadate\u013eov o \u00faver. Ide najm\u00e4 o \u013eud\u00ed, ktor\u00ed do\u010dasne pri\u0161li o pr\u00e1cu alebo \u010das\u0165 svojho pr\u00edjmu. Aj v tejto oblasti v\u00e1m najlep\u0161ie poradia sk\u00fasen\u00ed finan\u010dn\u00ed sprostredkovatelia, ktor\u00ed maj\u00fa o obmedzeniach v jednotliv\u00fdch bank\u00e1ch dobr\u00fd preh\u013ead.<\/span><\/p>\n<blockquote><p><b>TIP:<\/b><span style=\"font-weight: 400;\"> Overovaniu v\u00fd\u0161ky pr\u00edjmu sa v\u00e4\u010d\u0161inou vyhnete len ak budete refinancova\u0165 <\/span><b>\u00faver bez nav\u00fd\u0161enia a nov\u00e1 spl\u00e1tka bude ni\u017e\u0161ia<\/b><span style=\"font-weight: 400;\"> ako va\u0161a p\u00f4vodn\u00e1 spl\u00e1tka.\u00a0<\/span><\/p><\/blockquote>\n<p style=\"text-align: center;\">\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=refi_gif\"><img decoding=\"async\" class=\"alignnone wp-image-5451 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/fingo-kalkulacka-refinancovanie-hypoteky.gif\" alt=\"Fingo.sk refinancovanie hypot\u00e9ky kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Ale keby ste chceli pri refinancovan\u00ed po\u017eiada\u0165 aj <\/span><b>o nav\u00fd\u0161enie hypot\u00e9ky <\/b><span style=\"font-weight: 400;\">(\u010do mnoh\u00ed klienti vyu\u017e\u00edvaj\u00fa), vtedy u\u017e banke mus\u00edte preuk\u00e1za\u0165, \u017ee vy\u0161\u0161\u00ed \u00faver dok\u00e1\u017eete spl\u00e1ca\u0165. Ak je napr\u00edklad zostatok v\u00e1\u0161ho \u00faveru 47 000 eur, ale pri refinancovan\u00ed si ho chcete nav\u00fd\u0161i\u0165 na 55 000 eur, banka si u\u017e prever\u00ed, \u010di v\u00fd\u0161ka v\u00e1\u0161ho pr\u00edjmu bude posta\u010dova\u0165 na spl\u00e1canie vy\u0161\u0161ieho \u00faveru.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak by sa v\u00e1m predsa len zi\u0161li peniaze navy\u0161e, aj ke\u010f neviete zdokladova\u0165 svoj pr\u00edjem, m\u00f4\u017eete refinan\u010dn\u00fd \u00faver nav\u00fd\u0161i\u0165, av\u0161ak <\/span><b>maxim\u00e1lne o 5 %, resp. 2 000 eur <\/b><span style=\"font-weight: 400;\">(plat\u00ed ni\u017e\u0161ia z t\u00fdchto hodn\u00f4t).<\/span> <span style=\"font-weight: 400;\">Tak\u00e1to suma nav\u00fd\u0161enia je povolen\u00e1 aj bez dokladovania v\u00fd\u0161ky pr\u00edjmu.<\/span><\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ec8124;\"><b>Pr\u00edklad na refinancovanie vo v\u00fdro\u010d\u00ed fix\u00e1cie po 3 rokoch &#8211; p\u00f4vodn\u00e1 hypot\u00e9ka 50 000 \u20ac na 30 rokov\u00a0\u00a0<\/b><\/span><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-size: 12pt;\"><strong>Pr\u00edklad z\u00e1rove\u0148 ukazuje mo\u017enos\u0165 refinancovania hypot\u00e9ky bez overovania v\u00fd\u0161ky pr\u00edjmu. Klient mus\u00ed by\u0165 zamestnan\u00fd alebo podnika\u0165, ale nedokladuje banke v\u00fd\u0161ku mesa\u010dn\u00e9ho pr\u00edjmu. M\u00f4\u017ee teda po\u017eiada\u0165 o nav\u00fd\u0161enie \u00faveru max. o 5 % (resp. max. 2 000 eur)\u00a0 zo zostatku p\u00f4vodn\u00e9ho \u00faveru. Klient v tomto pr\u00edklade vyu\u017eije p\u00f4vodn\u00fd znaleck\u00fd posudok a v r\u00e1mci n\u00e1kladov zaplat\u00ed poplatok za kataster kv\u00f4li nov\u00fdm z\u00e1lo\u017en\u00fdm zmluv\u00e1m.<\/strong><\/span><\/p>\n<table style=\"border-style: solid; border-color: #ec8124;\">\n<tbody>\n<tr>\n<td><strong>Parametre hypot\u00e9ky<\/strong><\/td>\n<td style=\"text-align: center;\"><strong> P\u00f4vodn\u00e1 hypot\u00e9ka\u00a0<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Nov\u00e1 hypot\u00e9ka s nav\u00fd\u0161en\u00edm o 2 000 \u20ac<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zostatok \u00faveru \/ V\u00fd\u0161ka nov\u00e9ho \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">46 125 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">48 125 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zost\u00e1vaj\u00faca splatnos\u0165 \/Splatnos\u0165 \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">27 rokov<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">27 rokov<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">1,8 %<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">1 %<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">N\u00e1klady na refinancovanie<\/span><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">66 \u20ac za kataster<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mesa\u010dn\u00e1 spl\u00e1tka<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"> 179,85 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">169,55 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Celkov\u00e9 preplatenie \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">14 746 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6 809 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\">\n<p style=\"text-align: center;\"><b>Klient z\u00edskal 2000 eur navy\u0161e, na mesa\u010dnej spl\u00e1tke u\u0161etr\u00ed 10,30 eur a celkovo \u00faver preplat\u00ed o takmer 7 937 eur menej.\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ec8124;\"><b>Refinancovanie sa oplat\u00ed aj mimo v\u00fdro\u010dia fix\u00e1cie<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Od refinancovania hypot\u00e9ky v\u00e1s v\u00f4bec nemus\u00ed odradi\u0165 to, \u017ee sa pr\u00e1ve nekon\u010d\u00ed fix\u00e1cia va\u0161ej hypot\u00e9ky. Aj keby ste si \u00faver brali len pred 2 rokmi a do konca fix\u00e1cie \u00faveru v\u00e1m ost\u00e1va rok \u010di dva, m\u00f4\u017ee sa v\u00e1m to oplati\u0165. <\/span><b>N\u00e1klady na prenos hypot\u00e9ky <\/b>do inej banky s\u00fa zanedbate\u013en\u00e9 pr\u00edpadne \u017eiadne.<span style=\"font-weight: 400;\">Ako je to mo\u017en\u00e9?<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Niektor\u00e9 banky st\u00e1le\u00a0 nov\u00fdm klientom prepl\u00e1caj\u00fa <strong>poplatok na pred\u010dasn\u00e9 splatenie<\/strong> ich p\u00f4vodn\u00e9ho \u00faveru.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Okrem toho pri refinancovan\u00ed \u010dasto m\u00f4\u017eete vyu\u017ei\u0165 <strong>aj p\u00f4vodn\u00fd znaleck\u00fd posudok<\/strong> alebo intern\u00e9 ohodnotenie nehnute\u013enosti bankou.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">N\u00e1klady spojen\u00e9 s prenosom \u00faveru do inej banky s\u00fa dnes naozaj <strong>minim\u00e1lne alebo dokonca \u017eiadne<\/strong>, preto je refinancovanie ve\u013emi zauj\u00edmav\u00e9 aj pri malom rozdiele medzi p\u00f4vodnou a novou \u00farokovou sadzbou.\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\">\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Obvykle sa refinancovanie hypot\u00e9ky odpor\u00fa\u010da, ak je rozdiel medzi p\u00f4vodnou a\u00a0novou \u00farokovou sadzbou <strong>okolo 0,5 %<\/strong>. Teda ak je v\u00e1\u0161 \u00farok napr\u00edklad 1,5 %, nov\u00fd by mal by\u0165 maxim\u00e1lne 1,0 %, alebo ni\u017e\u0161\u00ed. No ak v\u00e1m nov\u00e1 banka preplat\u00ed poplatok za pred\u010dasn\u00e9 splatenie starej hypot\u00e9ky, efekt \u00faspory m\u00f4\u017ee by\u0165 zna\u010dn\u00fd aj pri men\u0161om rozdieli v \u00faroku.\u00a0<\/span><\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ec8124;\"><b>Pr\u00edklad refinancovania mimo v\u00fdro\u010dia fix\u00e1cie po 2 rokoch &#8211; p\u00f4vodn\u00e1 hypot\u00e9ka 100 000 \u20ac na 30 rokov<\/b><\/span><\/h3>\n<p><span style=\"font-size: 12pt;\"><strong>Pr\u00edklad op\u00e4\u0165 ukazuje mo\u017enos\u0165 refinancovania hypot\u00e9ky bez overovania v\u00fd\u0161ky pr\u00edjmu. Klient mus\u00ed by\u0165 zamestnan\u00fd alebo podnika\u0165, ale nedokladuje banke v\u00fd\u0161ku mesa\u010dn\u00e9ho pr\u00edjmu. M\u00f4\u017ee teda po\u017eiada\u0165 o nav\u00fd\u0161enie \u00faveru max. o 5 % (resp. max. 2 000 eur)\u00a0 zo zostatku p\u00f4vodn\u00e9ho \u00faveru. Klient v tomto pr\u00edklade vyu\u017eije p\u00f4vodn\u00fd znaleck\u00fd posudok a v r\u00e1mci n\u00e1kladov zaplat\u00ed poplatok za kataster kv\u00f4li nov\u00fdm z\u00e1lo\u017en\u00fdm zmluv\u00e1m.<\/strong><\/span><\/p>\n<table style=\"border-style: solid; border-color: #ec8124;\">\n<tbody>\n<tr>\n<td><strong>Parametre hypot\u00e9ky<\/strong><\/td>\n<td style=\"text-align: center;\"><strong> P\u00f4vodn\u00e1 hypot\u00e9ka\u00a0<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Nov\u00e1 hypot\u00e9ka s nav\u00fd\u0161en\u00edm o 2 000 \u20ac<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zostatok \u00faveru \/ V\u00fd\u0161ka nov\u00e9ho \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">94 640 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">96 640 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zost\u00e1vaj\u00faca splatnos\u0165 \/Splatnos\u0165 \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">28 rokov<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">28 rokov<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">1,5 %<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">0,6 %<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">N\u00e1klady na refinancovanie<\/span><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">66 \u20ac za kataster<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poplatok za pred\u010dasn\u00e9 splatenie<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">946 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">preplaten\u00fd novou bankou<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mesa\u010dn\u00e1 spl\u00e1tka<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"> 345,12 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">312,52 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Celkov\u00e9 preplatenie \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">24 243 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">8 370 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\">\n<p style=\"text-align: center;\"><b>Klient z\u00edskal 2000 eur, na mesa\u010dnej spl\u00e1tke u\u0161etr\u00ed 32,60 eur a celkovo \u00faver preplat\u00ed o 15 873 eur menej.<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ec8124;\"><b>V\u00fd\u0161ka \u00farokovej sadzby v\u0161ak nie je v\u0161etko&#8230;<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V\u00fdrazn\u00fa \u00fasporu refinancovan\u00edm z\u00edskate aj vtedy, ak na svojej existuj\u00facej hypot\u00e9ke <\/span><b>m\u00e1te kv\u00f4li z\u013eave z \u00farokovej sadzby naviazan\u00e9 \u010fal\u0161ie slu\u017eby<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 mus\u00edte plati\u0165 a s\u00fa zbyto\u010dne drah\u00e9, pr\u00edpadne ich ani nepotrebujete.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V mnoh\u00fdch pr\u00edpadoch maj\u00fa klienti <\/span><b>\u00farok podmienen\u00fd napr\u00edklad poisten\u00edm \u00faveru<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 pre nich predstavuje n\u00e1klad navy\u0161e a pritom \u010dastokr\u00e1t maj\u00fa aj in\u00fa \u017eivotn\u00fa poistku s dostato\u010dn\u00fdm kryt\u00edm. Niekedy si dokonca <\/span><a href=\"https:\/\/www.fingopedia.sk\/co-je-bankopoistenie\/\"><span style=\"font-weight: 400;\">bankopoistenie<\/span><\/a><span style=\"font-weight: 400;\"> k \u00faveru platia aj klienti, ktor\u00ed z d\u00f4vodu zdravotn\u00e9ho stavu ani nem\u00f4\u017eu ma\u0165 plnenie z pois\u0165ovne, tak\u017ee toto poistenie je pre nich nev\u00fdhodn\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Na\u0161i FinGO.sk \u0161pecialisti v\u00e1m okrem v\u00fdhodnosti refinancovania zhodnotia aj to, \u010di je va\u0161e aktu\u00e1lne zabezpe\u010denie schopnosti spl\u00e1ca\u0165 \u00faver adekv\u00e1tne va\u0161im v\u00fddavkom a \u010di ho m\u00e1te nastaven\u00e9 za rozumn\u00fa cenu.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Trendom s\u00fa aj dlhodob\u00e9 fix\u00e1cie \u00farokov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">D\u00f4vodom pre refinancovanie nemus\u00ed by\u0165 len ni\u017e\u0161\u00ed \u00farok, ale aj <\/span><b>zabezpe\u010denie\u00a0dlh\u0161ej fix\u00e1cie<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 sa v\u00e1m postar\u00e1 o\u00a0nemenn\u00fa spl\u00e1tku. Viacer\u00e9 banky toti\u017e za\u010dali minul\u00fd rok na hypot\u00e9kach pon\u00faka\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke\/\">aj dlhodob\u00e9 fix\u00e1cie<\/a> na 10 rokov. V\u00a0porovnan\u00ed s be\u017en\u00fdmi\u00a03- alebo 5-ro\u010dn\u00fdmi fix\u00e1ciami s\u00fa s\u00edce spojen\u00e9 s vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sadzbami, ale aj napriek tomu s\u00fa aj tieto \u00faroky ve\u013emi atrakt\u00edvne.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak dnes m\u00e1te na svojej hypot\u00e9ke \u00farok <\/span><b>okolo 1,29 %<\/b><span style=\"font-weight: 400;\">, pravdepodobne v\u00e1m fix\u00e1cia skon\u010d\u00ed o\u00a03 \u010di 4 roky.\u00a0 Dnes si viete zabezpe\u010di\u0165 rovnak\u00fa spl\u00e1tku s viazanos\u0165ou <\/span><b>na \u010fal\u0161\u00edch 10 rokov<\/b><span style=\"font-weight: 400;\">. Pri \u00favere na 30 rokov si tak mesa\u010dn\u00fa spl\u00e1tku zastabilizujete a\u017e na tretinu splatnosti \u00faveru. To by nebolo zl\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tak\u00e1to istota nemennej spl\u00e1tky ur\u010dite pote\u0161\u00ed ka\u017ed\u00e9ho, ale ve\u013emi pom\u00f4\u017ee napr\u00edklad aj klientom, <strong>ktor\u00ed s\u00fa s\u00a0pr\u00edjmami na doraz<\/strong> a zv\u00fd\u0161enie \u00faroku napr\u00edklad po 3 rokoch, kedy by sa im skon\u010dila ich s\u00fa\u010dasn\u00e1 fix\u00e1cia, by mohlo ohrozi\u0165 ich rodinn\u00fd rozpo\u010det. Nikto nevie, kam sa bud\u00fa \u00farokov\u00e9 sadzby ubera\u0165. Pravdepodobne op\u00e4\u0165 p\u00f4jdu hore. Pre tak\u00fd pr\u00edpad by bola 10-ro\u010dn\u00e1 fix\u00e1cia skvelou vo\u013ebou.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-2423\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky.jpg\" alt=\"refinancovanie hypoteky\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie-hypoteky-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Na z\u00e1ver zhrnieme 4 d\u00f4vody, kedy m\u00e1 refinancovanie zmysel<\/b><\/span><\/h2>\n<ol>\n<li><b><span style=\"font-weight: 400;\">Prv\u00fd a\u00a0naj\u010dastej\u0161\u00ed d\u00f4vod refinancovania hypot\u00e9ky je ten, ak v\u010faka nemu\u00a0<\/span>u\u0161etr\u00edte na mesa\u010dnej spl\u00e1tke a celkovom preplaten\u00ed <\/b>\u00faveru.<span style=\"font-weight: 400;\"> Cie<\/span><b><span style=\"font-weight: 400;\">\u013eom refinancovania je v\u00a0tomto pr\u00edpade nahradi\u0165 \u00faver lacnej\u0161\u00edm, pri\u010dom ide doslova o\u00a0tis\u00edcky eur.<\/span><\/b><\/li>\n<li><span style=\"font-weight: 400;\">Pri s\u00fa\u010dasn\u00fdch n\u00edzkych \u00farokov\u00fdch sadzb\u00e1ch je \u010fal\u0161\u00edm zauj\u00edmav\u00fdm efektom aj mo\u017enos\u0165 zafixova\u0165 si na novom \u00favere <\/span><b>n\u00edzky \u00farok na v\u00fdrazne dlh\u0161iu dobu<\/b><span style=\"font-weight: 400;\">, ako ste to mali nastaven\u00e9 doteraz. Mnoh\u00e9 banky v\u00a0s\u00fa\u010dasnosti pon\u00fakaj\u00fa 10-ro\u010dn\u00e9 fix\u00e1cie, ktor\u00e9 s\u00fa tie\u017e v\u00fdhodn\u00e9\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Aby sme nezabudli, ve\u013emi ob\u013e\u00faben\u00e9 u\u00a0klientov je aj <\/span><b>povolen\u00e9 nav\u00fd\u0161enie \u00faveru<\/b><span style=\"font-weight: 400;\"> (bez overovania v\u00fd\u0161ky pr\u00edjmu max. o\u00a05 %, resp. 2\u00a0000 \u20ac), pri ktorom okrem v\u00fdhodnej\u0161\u00edch podmienok m\u00f4\u017eete z\u00edska\u0165 p\u00e1r stoviek eur navy\u0161e.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Refinancovanie je v\u00fdhodn\u00e9 aj v pr\u00edpade, ak okrem hypot\u00e9ky spl\u00e1cate viacero druhov \u00faverov, napr. stavebn\u00fd \u00faver, r\u00f4zne p\u00f4\u017ei\u010dky, \u00faverov\u00e9 karty a podobne. <\/span><b>V\u010faka konsolid\u00e1cii<\/b>, \u010di\u017ee spojeniu \u00faverov do jednej hypot\u00e9ky<span style=\"font-weight: 400;\"> m\u00f4\u017eete tieto\u00a0\u00favery <strong>nahradi\u0165 jedin\u00fdm \u00faverom s v\u00fdrazne ni\u017e\u0161ou spl\u00e1tkou.\u00a0<\/strong><\/span><\/li>\n<\/ol>\n<blockquote><p><b>TIP:<\/b><span style=\"font-weight: 400;\"> V tomto pr\u00edpade je d\u00f4le\u017eit\u00e9, aby hodnota zalo\u017eenej nehnute\u013enosti posta\u010dovala na pokrytie zostatkov v\u0161etk\u00fdch \u00faverov. Klienti takto vedia u\u0161etri\u0165 aj viac ako polovicu sumy svojich p\u00f4vodn\u00fdch \u00faverov\u00fdch spl\u00e1tok a\u00a0takto u\u0161etren\u00e9 peniaze sa v\u00e1m v rozpo\u010dte ur\u010dite z\u00eddu. M\u00f4\u017eete ich investova\u0165 na sporenie pre deti a\u00a0pod.<\/span><\/p><\/blockquote>\n<h3 style=\"text-align: center;\"><span style=\"color: #ec8124;\"><b>Pr\u00edklad na refinancovanie viacer\u00fdch \u00faverov &#8211; konsolid\u00e1cia<\/b><\/span><\/h3>\n<p><span style=\"font-size: 12pt;\"><strong>Pr\u00edklad ukazuje mo\u017enos\u0165 zl\u00fa\u010denia 3 r\u00f4znych \u00faverov, ktor\u00e9 klient spl\u00e1ca:<\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-size: 12pt;\"><strong>Hypot\u00e9ka v p\u00f4vodnej v\u00fd\u0161ke 50 000\u20ac poskytnut\u00e1 na 30 rokov s \u00farokom 1,8 % a spl\u00e1tkou 179,85 \u20ac &#8211; splatenie po 2 rokoch<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-size: 12pt;\"><strong>Spotrebn\u00fd \u00faver v p\u00f4vodnej v\u00fd\u0161ke 25 000 \u20ac poskytnut\u00fd na 8 rokov s \u00farokom 6,9 % a spl\u00e1tkou 339,60 \u20ac &#8211; splatenie po 1 roku<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-size: 12pt;\"><strong>P\u00f4\u017ei\u010dka nebankovej spolo\u010dnosti vo v\u00fd\u0161ke 3 000 \u20ac poskytnut\u00e1 na 4 roky s \u00farokom 14,9 % a spl\u00e1tkou 83,34 \u20ac &#8211; splatenie po 3 rokoch<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Klient v pr\u00edklade vyu\u017eil p\u00f4vodn\u00fd znaleck\u00fd posudok, plat\u00ed len za vklad do katastra 66 \u20ac a nechce nov\u00fd \u00faver nav\u00fd\u0161i\u0165.<\/span><\/p>\n<table style=\"border-style: solid; border-color: #ec8124;\">\n<tbody>\n<tr>\n<td><strong>Parametre \u00faveru<\/strong><\/td>\n<td style=\"text-align: center;\"><strong> P\u00f4vodn\u00e9 \u00favery\u00a0<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Nov\u00e1 hypot\u00e9ka bez nav\u00fd\u0161enia<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zostatok \u00faveru \/ V\u00fd\u0161ka nov\u00e9ho \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">70 938 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">70 938 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zost\u00e1vaj\u00faca splatnos\u0165 \/Splatnos\u0165 \u00faveru<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">pop\u00edsan\u00e9 v \u00favode<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">28 rokov<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">pop\u00edsan\u00e9 v \u00favode<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">1 %<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Poplatok za pred\u010dasn\u00e9 splatenie<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">700 \u20ac<\/span><span style=\"font-weight: 400;\"> (474 \u20ac za\u00a0 splatenie hypot\u00e9ky + 226 \u20ac za splatenie p\u00f4\u017ei\u010dky)<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">nov\u00e1 banka preplat\u00ed 474 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">N\u00e1klady na refinancovanie<\/span><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">292 \u20ac<\/span><span style=\"font-weight: 400;\"> (66 \u20ac za kataster + poplatok za splatenie p\u00f4\u017ei\u010dky 226 \u20ac)\u00a0\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mesa\u010dn\u00e1 spl\u00e1tka<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">602,79\u00a0 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">242,15 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Celkov\u00e9 preplatenie\u00a0<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">23 348 \u20ac<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">10 424 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\">\n<p style=\"text-align: center;\"><b>Klient u\u0161etr\u00ed na mesa\u010dnej spl\u00e1tke 360,64 eur a celkovo na \u00faveroch preplat\u00ed o 12 924 eur menej.\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ec8124;\"><b>Nepla\u0165te viac, ke\u010f nemus\u00edte<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ako vidie\u0165 aj na pr\u00edkladoch, refinancova\u0165 hypot\u00e9ku sa v\u00a0s\u00fa\u010dasnosti naozaj oplat\u00ed. <\/span><b>Postup je celkom jednoduch\u00fd a\u00a0r\u00fdchly<\/b><span style=\"font-weight: 400;\">, najd\u00f4le\u017eitej\u0161ie je urobi\u0165 prv\u00fd krok a\u00a0odhodla\u0165 sa k\u00a0tomu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keby ste si neboli ist\u00ed, \u010di sa oplat\u00ed zmeni\u0165 \u00farok na va\u0161om \u00favere, pora\u010fte sa <\/span><b>s\u00a0FinGO.sk finan\u010dn\u00fdm sprostredkovate\u013eom<\/b><span style=\"font-weight: 400;\">, ktor\u00fd v\u00e1m va\u0161u hypot\u00e9ku skontroluje nez\u00e1visle a bezplatne. N\u00e1sledne v\u00e1m porad\u00ed, \u010do \u010falej. Nepla\u0165te za svoju hypot\u00e9ku viac, ke\u010f nemus\u00edte!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financovali ste v\u00a0posledn\u00fdch rokoch svoje b\u00fdvanie? Viete o\u00a0tom, \u017ee len v\u00a0priebehu minul\u00e9ho roka\u00a0klesli priemern\u00e9 \u00farokov\u00e9 sadzby\u00a0na hypot\u00e9kach\u00a0takmer o\u00a0polovicu?\u00a0Je \u010das, aby ste sa pozreli na podmienky svojho \u00faveru a zamysleli sa nad refinancovan\u00edm. Pand\u00e9mia mnoh\u00fdm otvorila o\u010di a v oblasti rodinn\u00fdch financi\u00ed uk\u00e1zala mo\u017enosti, na \u010dom v\u0161etkom by mohli \u013eudia u\u0161etri\u0165. So sk\u00fasen\u00fdm\u00a0finan\u010dn\u00fdm sprostredkovate\u013eom sa v\u00e1m to ur\u010dite podar\u00ed. Pod\u013ea \u0161tatist\u00edk v\u00e4\u010d\u0161ina klientov na trhu spl\u00e1ca hypot\u00e9ky s\u00a0dvojn\u00e1sobn\u00fdmi \u00farokov\u00fdmi sadzbami oproti aktu\u00e1lnym \u00farokom, ktor\u00e9 v s\u00fa\u010dasnosti poskytuj\u00fa banky na nov\u00fdch \u00faveroch. Refinancovanie je teda pre mnoh\u00fdch cesta ako u\u0161etri\u0165 a na rozdiel od odkladu spl\u00e1tok nejde len o kr\u00e1tkodob\u00e9 rie\u0161enie.\u00a0Hoci banky po\u010das pand\u00e9mie poskytuj\u00fa nov\u00e9 aj refinan\u010dn\u00e9 \u00favery obozretnej\u0161ie, st\u00e1le m\u00f4\u017eete z\u00edska\u0165 na \u00favere aj \u00faroky od 0,5 %. Ak teda spl\u00e1cate hypot\u00e9ku s\u00a0ove\u013ea vy\u0161\u0161\u00edm \u00farokom, aj vy by ste mali \u00eds\u0165 do refinancovania, a\u00a0to \u010d\u00edm sk\u00f4r. V\u00fdrazne si tak zn\u00ed\u017eite mesa\u010dn\u00fa spl\u00e1tku a\u00a0celkov\u00e9 preplatenie hypot\u00e9ky. M\u00f4\u017eete takto u\u0161etri\u0165 aj tis\u00edcky eur, alebo si zabezpe\u010di\u0165 nemenn\u00fa mesa\u010dn\u00fa spl\u00e1tku pokojne aj na \u010fal\u0161\u00edch 10 rokov. PR\u00cdKLAD: Rozdiel v\u00a0spl\u00e1tke pri hypot\u00e9ke 100 000 eur, ktor\u00e1 bola poskytnut\u00e1 2 roky dozadu, m\u00f4\u017ee by\u0165 aj\u00a0viac ako 40 eur mesa\u010dne. Celkov\u00e1 mo\u017en\u00e1 \u00faspora na celom preplaten\u00ed \u00faveru m\u00f4\u017ee dosiahnu\u0165 a\u017e 14 000 eur a z t\u00fdchto [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":2418,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157],"tags":[23,27,158],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinancovanie hypot\u00e9ky je v kurze! 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