{"id":2608,"date":"2020-10-30T09:02:35","date_gmt":"2020-10-30T08:02:35","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2608"},"modified":"2021-04-22T12:40:38","modified_gmt":"2021-04-22T10:40:38","slug":"ako-si-zjednodusit-vybavenie-hypoteky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/","title":{"rendered":"Najni\u017e\u0161ie \u00faroky na trhu klesli pod 0,4 %! Ako si zjednodu\u0161i\u0165 vybavenie hypot\u00e9ky?"},"content":{"rendered":"<p><b>U\u017e tradi\u010dne\u00a0<\/b><b>sa<\/b><b>\u00a0jese\u0148 vo financi\u00e1ch\u00a0<\/b><b>nesie<\/b><b>\u00a0v znamen\u00ed \u00faverov\u00fdch kampan\u00ed. Napriek pretrv\u00e1vaj\u00facej nepriaznivej epidemiologickej situ\u00e1cii nie je tomu inak ani v tomto roku.\u00a0Za\u010diatkom septembra jedna z b\u00e1nk zn\u00ed\u017eila \u00farokov\u00fa sadzbu s 3-ro\u010dnou fix\u00e1ciou na rekordn\u00fdch 0,39 %. Koncom okt\u00f3bra pri\u0161la \u010fal\u0161ia banka s nov\u00fdm historicky najni\u017e\u0161\u00edm rekordom &#8211; pon\u00faka \u00faroky od 0,38 %.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Medzi slovensk\u00fdmi bankami tak m\u00f4\u017eeme o\u010dak\u00e1va\u0165 <\/span><b>pokra\u010dovanie konkuren\u010dn\u00e9ho boja<\/b><span style=\"font-weight: 400;\"> o klienta. Ot\u00e1zkou zost\u00e1va, o ktor\u00fdch klientov bud\u00fa ma\u0165 banky v \u010dase ekonomickej kr\u00edzy spojenej s \u010fal\u0161\u00edm \u0161\u00edren\u00edm ochorenia COVID-19, z\u00e1ujem. To, \u010di rekordn\u00fd \u00farok aj naozaj dosiahnete a \u010do v\u0161etko ho m\u00f4\u017ee ovplyvni\u0165, v\u00e1m prezrad\u00edme v na\u0161om blogu.<\/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=\"aligncenter 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>Top \u00faroky s\u00fa spojen\u00e9 s dodato\u010dn\u00fdmi podmienkami<\/b><\/span><\/h2>\n<p><b>Ka\u017ed\u00e1 banka m\u00e1 svoje pravidl\u00e1<\/b><span style=\"font-weight: 400;\">, na z\u00e1klade ktor\u00fdch nastavuje \u00farokov\u00e9 podmienky. Okrem snahy z\u00edska\u0165 klienta atrakt\u00edvnou cenou \u00faveru je ve\u013emi podstatn\u00e9 aj to, aby bol pre banku obchod ziskov\u00fd. Preto s\u00fa naj\u010dastej\u0161ie s top \u00farokmi spojen\u00e9 <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/\"><b>dodato\u010dn\u00e9 podmienky<\/b><\/a><span style=\"font-weight: 400;\">, ako je napr\u00edklad poistenie \u00faveru, nehnute\u013enosti \u010di nutnos\u0165 ma\u0165 akt\u00edvny \u00fa\u010det s povinn\u00fdm zasielan\u00edm pr\u00edjmu \u010di predp\u00edsan\u00fdmi transakciami na \u00fa\u010dte v banke. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Tieto slu\u017eby banke prin\u00e1\u0161aj\u00fa dodato\u010dn\u00fd a dlhodob\u00fd zdroj pr\u00edjmov, preto s\u00fa ochotn\u00e9 preda\u0165 z\u00e1kazn\u00edkovi aj \u00faver na hrane ziskovosti.\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Naopak, z poh\u013eadu z\u00e1ujemcu o hypot\u00e9ku je cie\u013eom <\/span>z\u00edska\u0165<b> \u00faver za \u010do najv\u00fdhodnej\u0161\u00edch podmienok<\/b><span style=\"font-weight: 400;\">. Mali by ste v\u0161ak zoh\u013eadni\u0165 nielen v\u00fd\u0161ku \u00faroku z reklamy, ale aj to, \u010do sa skr\u00fdva za n\u00edm. Preto je dnes takmer nevyhnutn\u00e9 <\/span><b>robi\u0165 si prieskum trhu<\/b><span style=\"font-weight: 400;\"> a zauj\u00edma\u0165 sa o detaily \u00faverovej ponuky.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-943\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732-300x200.jpg\" alt=\"\u00faverov\u00fd register\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732-1080x720.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/04\/shutterstock_442231732.jpg 1440w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> Porovnanie trhu s hypot\u00e9kami urob\u00ed za v\u00e1s ove\u013ea efekt\u00edvnej\u0161ie sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e. Ten v prieskume zoh\u013eadn\u00ed nielen ponuky b\u00e1nk, ale aj va\u0161e mo\u017enosti. Slu\u017eba je pre v\u00e1s bezplatn\u00e1, finan\u010dn\u00fd agent zastre\u0161\u00ed v\u00fdber banky a aj cel\u00fd proces vybavenia \u00faveru za v\u00e1s.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A aby toho nebolo m\u00e1lo, podstatn\u00e9 s\u00fa nielen \u00faroky a poplatky, ale aj to,<\/span> \u010di aktu\u00e1lne sp\u013a\u0148ate<b> po\u017eiadavky banky na dostato\u010dn\u00fa bonitu<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V nej sa skr\u00fdva to, ak\u00fd typ pr\u00edjmu m\u00e1te, odkia\u013e plynie, ko\u013eko zar\u00e1bate, a ak\u00fd stabiln\u00fd m\u00f4\u017ee by\u0165 v\u00e1\u0161 pr\u00edjem v bud\u00facnosti (aj s oh\u013eadom na mo\u017en\u00e9 scen\u00e1re zatv\u00e1rania ekonomiky).\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Banka tie\u017e sk\u00fama, ak\u00e9 s\u00fa va\u0161e aktu\u00e1lne mesa\u010dn\u00e9 v\u00fddavky a \u010di u\u017e ste v minulosti zodpovedne spl\u00e1cali nejak\u00e9 \u00favery.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rovnako d\u00f4le\u017eit\u00e9 je aj to, \u010do banke pon\u00faknete ako zabezpe\u010denie svojej hypot\u00e9ky.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V niektor\u00fdch bank\u00e1ch rozhoduje o \u00faroku aj to, \u010di ru\u010d\u00edte domom alebo bytom a v akej lokalite.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Podstatn\u00e1 je aj hodnota nehnute\u013enosti vo\u010di v\u00fd\u0161ke \u00faveru. Nie je ni\u010d neobvykl\u00e9, \u017ee dnes v\u00e1m niektor\u00e9 banky poskytn\u00fa najlep\u0161ie \u00faroky len do 50 % hodnoty zalo\u017eenej nehnute\u013enosti. In\u00e9 napr\u00edklad pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti nerozli\u0161uj\u00fa.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Vyzna\u0165 sa v krit\u00e9ri\u00e1ch b\u00e1nk nie je jednoduch\u00e9<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Vyzna\u0165 sa v t\u00fdchto krit\u00e9ri\u00e1ch a vedie\u0165 ich navz\u00e1jom porovna\u0165 a vyhodnoti\u0165 je \u010dasovo ve\u013emi n\u00e1ro\u010dn\u00e9. V\u00fdhodu maj\u00fa t\u00ed, ktor\u00ed tento <\/span><b>prieskum a vybavenie \u00faveru nechaj\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteku-nerieste-sami-moze-vas-vyjst-draho\/\">na profesion\u00e1lov<\/a>. <\/b><span style=\"font-weight: 400;\">Finan\u010dn\u00fd sprostredkovate\u013e, ktor\u00fd sa ka\u017ed\u00fd de\u0148 stret\u00e1va s desiatkami r\u00f4znych pr\u00edpadov, na z\u00e1klade svojich sk\u00fasenost\u00ed a znalost\u00ed bankov\u00fdch \u0161pecif\u00edk, v\u00e1s vie spr\u00e1vne a hlavne bez zbyto\u010dn\u00fdch pre\u0161\u013eapov nasmerova\u0165 tam, kde je to pre v\u00e1s ide\u00e1lne.\u00a0<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Inak povedan\u00e9, porad\u00ed v\u00e1m, kde m\u00e1te <\/span><b>najv\u00e4\u010d\u0161iu \u0161ancu z\u00edska\u0165 nielen vyhovuj\u00faci \u00farok<\/b>, ale celkovo v\u00fdhodn\u00e9 podmienky <span style=\"font-weight: 400;\">na financovanie svojich potrieb b\u00fdvania. Z\u00e1rove\u0148 s n\u00edm m\u00e1te predpoklad splni\u0165 n\u00e1ro\u010dn\u00e9 krit\u00e9ri\u00e1 b\u00e1nk.<\/span><\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Cez schva\u013eovacie sito prejde menej \u017eiadate\u013eov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Koronav\u00edrus a s n\u00edm spojen\u00e9 <a href=\"https:\/\/www.fingo.sk\/blog\/kde-sa-da-v-zlych-casoch-usetrit\/\">oslabenie ekonomiky<\/a> nie s\u00fa jedin\u00e9 d\u00f4vody, pre\u010do dnes banky d\u00f4slednej\u0161ie preveruj\u00fa klientov a cez schva\u013eovacie sito prejde menej \u017eiadate\u013eov.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Od za\u010diatku roka platia <\/span><b>pr\u00edsnej\u0161ie pravidl\u00e1 oh\u013eadom povinnej finan\u010dnej rezervy<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 v\u00e1m mus\u00ed zosta\u0165 po \u00fahrade be\u017en\u00fdch \u017eivotn\u00fdch n\u00e1kladov a spl\u00e1tok \u00faverov.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Okrem toho sa sleduje <\/span><b>maxim\u00e1lny \u00faverov\u00fd strop<\/b><span style=\"font-weight: 400;\">, ktor\u00fd nesmiete presiahnu\u0165. Je z\u00e1visl\u00fd od v\u00fd\u0161ky v\u00e1\u0161ho ro\u010dn\u00e9ho pr\u00edjmu.\u00a0<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1705\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_-300x200.jpg\" alt=\"hypot\u00e9ka v roku 2020\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_-1080x720.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/hypoteky-v-roku-2020_fingo.sk_.jpg 1732w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Tieto pravidl\u00e1 mus\u00ed ka\u017ed\u00e1 banka zoh\u013ead\u0148ova\u0165, ale na druhej strane je plne v r\u00e9\u017eii banky, ak\u00fa v\u00fd\u0161ku pr\u00edjmu v\u00e1m z predlo\u017een\u00fdch dokladov uzn\u00e1. Tu vznikaj\u00fa obrovsk\u00e9 rozdiely medzi jednotliv\u00fdmi bankami. D\u00f4vodom je <\/span><b>odli\u0161n\u00e1 metodika v akceptovan\u00ed r\u00f4znych druhov<\/b><span style=\"font-weight: 400;\"> pr\u00edjmov.\u00a0<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Aj ke\u010f predlo\u017e\u00edte tie ist\u00e9 doklady k pr\u00edjmu, be\u017ene sa st\u00e1va, \u017ee v jednej banke v\u00e1m akceptuj\u00fa len 50 % z toho, \u010do v inej banke. Od toho sa samozrejme odv\u00edja aj celkov\u00e1 schv\u00e1len\u00e1 v\u00fd\u0161ka \u00faveru.\u00a0\u00a0<\/span><\/p><\/blockquote>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> Vyu\u017eite odborn\u00e9 znalosti sk\u00fasen\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea, ktor\u00fd ovl\u00e1da pravidl\u00e1 akceptovania pr\u00edjmu v\u0161etk\u00fdch b\u00e1nk. M\u00f4\u017ee pre v\u00e1s n\u00e1js\u0165 tak\u00fa banku, ktor\u00e1 bude schopn\u00e1 uzna\u0165 v\u00e1m aj \u0161pecifick\u00fd typ pr\u00edjmu, pri ktorom v\u00e1m napr\u00edklad va\u0161a banka dala stopku. Alebo spolo\u010dne n\u00e1jdete rie\u0161enie, ktor\u00e9 v\u00e1m umo\u017en\u00ed \u010derpa\u0165 vy\u0161\u0161iu sumu ako inde.<\/b><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ec8124;\"><b>V\u010dasn\u00e9 zhodnotenie vlastn\u00fdch mo\u017enost\u00ed \u00faverovania, d\u00f4sledn\u00e1 anal\u00fdza va\u0161ej finan\u010dnej situ\u00e1cie a spr\u00e1vny v\u00fdber banky<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tieto kroky s\u00fa dnes nevyhnutnos\u0165ou, aby ste sa pri rie\u0161en\u00ed hypot\u00e9ky nepop\u00e1lili. Na to, aby ste sa bez starost\u00ed a zbyto\u010dn\u00fdch stresov mohli te\u0161i\u0165 z v\u00fdhodnej hypot\u00e9ky a hlavne z nov\u00e9ho b\u00fdvania, <\/span><b>nerie\u0161te hypot\u00e9ku sami<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do vybavova\u0165 hypot\u00e9ku cez finan\u010dn\u00e9ho sprostredkovate\u013ea?<\/b><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><b>spolupracuje so v\u0161etk\u00fdmi bankami<\/b><span style=\"font-weight: 400;\"> a pozn\u00e1 \u0161pecifik\u00e1 ka\u017edej z nich<\/span><\/li>\n<li>m\u00e1 <b>aktu\u00e1lne a komplexn\u00e9 inform\u00e1cie<span style=\"font-weight: 400;\">, ktor\u00e9 ur\u00fdchlia prieskum a vybavenie \u00faveru<\/span><\/b><\/li>\n<li>pozn\u00e1 v\u0161etky <strong>v\u00fdhody, ale aj h\u00e1\u010diky<\/strong> \u00faverov\u00fdch produktov<span style=\"font-weight: 400;\">, ktor\u00e9 by v kone\u010dnom d\u00f4sledku mohli v\u00e1\u0161 \u00faver predra\u017ei\u0165\u00a0<\/span><\/li>\n<li>m\u00f4\u017ee zabr\u00e1ni\u0165 zbyto\u010dn\u00e9mu zamietnutiu \u017eiadosti<span style=\"font-weight: 400;\"> tam, kde je predpoklad, \u017ee nesp\u013a\u0148ate krit\u00e9ri\u00e1 banky, vyhnete sa tak negat\u00edvnemu z\u00e1znamu v \u00faverovom registri<\/span><\/li>\n<li style=\"font-weight: 400;\">dok\u00e1\u017ee <b>zoh\u013eadni\u0165 pri rie\u0161en\u00ed \u00faveru va\u0161e \u010fal\u0161ie finan\u010dn\u00e9 pl\u00e1ny <\/b><span style=\"font-weight: 400;\">a prisp\u00f4sobi\u0165 im nastavenie v\u00e1\u0161ho \u00faveru (napr\u00edklad nutnos\u0165 dofinancovania hypot\u00e9ky alebo zn\u00ed\u017eenie in\u00fdch spl\u00e1tok \u00faverov)<\/span><\/li>\n<li style=\"font-weight: 400;\">pom\u00f4\u017ee v\u00e1m nielen \u00faver vybavi\u0165, ale uk\u00e1\u017ee v\u00e1m,<b> ako ho aj sk\u00f4r splati\u0165<\/b>, \u010di zabezpe\u010di\u0165 jeho spl\u00e1canie<b> vhodnou \u017eivotnou poistkou<\/b><span style=\"font-weight: 400;\"> tak, aby z toho nemala prospech len banka ako verite\u013e, ale hlavne vy a va\u0161a rodina<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>zabezpe\u010d\u00ed v\u00e1m n\u00e1sledn\u00fd servis k hypot\u00e9ke<\/b><span style=\"font-weight: 400;\">, napr\u00edklad pri v\u00fdro\u010d\u00ed fix\u00e1cie alebo v pr\u00edpade nutnosti zmien na hypot\u00e9ke<\/span><\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-1710\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2-300x200.jpg\" alt=\"ako na hypot\u00e9ku\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2-1080x720.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/12\/nov\u00e1-hypot\u00e9ka_2.jpg 1731w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>Oslovte najlep\u0161\u00edch odborn\u00edkov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Zo sk\u00fasenost\u00ed vieme, \u017ee mnoh\u00ed \u013eudia sa pustili do vybavovania \u00faveru sami a pri prvej komplik\u00e1cii v banke u\u017e <strong>nevedeli, ako \u010falej.<\/strong> T\u00ed, ktor\u00ed vyu\u017eij\u00fa pomoc finan\u010dn\u00e9ho sprostredkovate\u013ea naopak z\u00edskaj\u00fa partnera, ktor\u00fd im ur\u00fdchli proces v\u00fdberu spr\u00e1vnej a \u010do najlacnej\u0161ej hypot\u00e9ky.\u00a0<\/span><\/p>\n<p><b>Na\u0161i <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\"><span style=\"color: #ec8124;\">odborn\u00edci z FinGO.sk<\/span><\/a> zastre\u0161ia cel\u00fd proces vybavenia hypot\u00e9ky tak, aby ste bez starost\u00ed a s odborn\u00fdm doh\u013eadom vybavili financie na vysn\u00edvan\u00e9 b\u00fdvanie k va\u0161ej spokojnosti.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <\/span><span style=\"color: #ec8124;\"><b>0800 60 10 60 <\/b><\/span><span style=\"font-weight: 400;\">alebo n\u00e1m zanechajte va\u0161e \u00fadaje a my sa v\u00e1m ozveme.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\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\/2608#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<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>U\u017e tradi\u010dne\u00a0sa\u00a0jese\u0148 vo financi\u00e1ch\u00a0nesie\u00a0v znamen\u00ed \u00faverov\u00fdch kampan\u00ed. Napriek pretrv\u00e1vaj\u00facej nepriaznivej epidemiologickej situ\u00e1cii nie je tomu inak ani v tomto roku.\u00a0Za\u010diatkom septembra jedna z b\u00e1nk zn\u00ed\u017eila \u00farokov\u00fa sadzbu s 3-ro\u010dnou fix\u00e1ciou na rekordn\u00fdch 0,39 %. Koncom okt\u00f3bra pri\u0161la \u010fal\u0161ia banka s nov\u00fdm historicky najni\u017e\u0161\u00edm rekordom &#8211; pon\u00faka \u00faroky od 0,38 %. Medzi slovensk\u00fdmi bankami tak m\u00f4\u017eeme o\u010dak\u00e1va\u0165 pokra\u010dovanie konkuren\u010dn\u00e9ho boja o klienta. Ot\u00e1zkou zost\u00e1va, o ktor\u00fdch klientov bud\u00fa ma\u0165 banky v \u010dase ekonomickej kr\u00edzy spojenej s \u010fal\u0161\u00edm \u0161\u00edren\u00edm ochorenia COVID-19, z\u00e1ujem. To, \u010di rekordn\u00fd \u00farok aj naozaj dosiahnete a \u010do v\u0161etko ho m\u00f4\u017ee ovplyvni\u0165, v\u00e1m prezrad\u00edme v na\u0161om blogu. Top \u00faroky s\u00fa spojen\u00e9 s dodato\u010dn\u00fdmi podmienkami Ka\u017ed\u00e1 banka m\u00e1 svoje pravidl\u00e1, na z\u00e1klade ktor\u00fdch nastavuje \u00farokov\u00e9 podmienky. Okrem snahy z\u00edska\u0165 klienta atrakt\u00edvnou cenou \u00faveru je ve\u013emi podstatn\u00e9 aj to, aby bol pre banku obchod ziskov\u00fd. Preto s\u00fa naj\u010dastej\u0161ie s top \u00farokmi spojen\u00e9 dodato\u010dn\u00e9 podmienky, ako je napr\u00edklad poistenie \u00faveru, nehnute\u013enosti \u010di nutnos\u0165 ma\u0165 akt\u00edvny \u00fa\u010det s povinn\u00fdm zasielan\u00edm pr\u00edjmu \u010di predp\u00edsan\u00fdmi transakciami na \u00fa\u010dte v banke. Tieto slu\u017eby banke prin\u00e1\u0161aj\u00fa dodato\u010dn\u00fd a dlhodob\u00fd zdroj pr\u00edjmov, preto s\u00fa ochotn\u00e9 preda\u0165 z\u00e1kazn\u00edkovi aj \u00faver na hrane ziskovosti.\u00a0 Naopak, z poh\u013eadu z\u00e1ujemcu o hypot\u00e9ku je cie\u013eom z\u00edska\u0165 \u00faver za \u010do najv\u00fdhodnej\u0161\u00edch podmienok. Mali by [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":2610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157],"tags":[98,36,163,62],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Najni\u017e\u0161ie \u00faroky na trhu klesli pod 0,4 %! Ako si zjednodu\u0161i\u0165 vybavenie hypot\u00e9ky? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"\u00daroky na hypot\u00e9kach klesaj\u00fa. Ako si vybavi\u0165 najv\u00fdhodnej\u0161\u00ed \u00faver r\u00fdchlo a jednoducho? Pre\u010do sprostredkovate\u013e \u0161etr\u00ed nielen \u010das, ale aj peniaze?\" \/>\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\/ako-si-zjednodusit-vybavenie-hypoteky\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najni\u017e\u0161ie \u00faroky na trhu klesli pod 0,4 %! Ako si zjednodu\u0161i\u0165 vybavenie hypot\u00e9ky? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"\u00daroky na hypot\u00e9kach klesaj\u00fa. Ako si vybavi\u0165 najv\u00fdhodnej\u0161\u00ed \u00faver r\u00fdchlo a jednoducho? 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Ako si zjednodu\u0161i\u0165 vybavenie hypot\u00e9ky? - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2020-10-30T08:02:35+00:00","dateModified":"2021-04-22T10:40:38+00:00","description":"\u00daroky na hypot\u00e9kach klesaj\u00fa. Ako si vybavi\u0165 najv\u00fdhodnej\u0161\u00ed \u00faver r\u00fdchlo a jednoducho? Pre\u010do sprostredkovate\u013e \u0161etr\u00ed nielen \u010das, ale aj peniaze?","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9ky","item":"https:\/\/www.fingo.sk\/blog\/category\/hypoteky\/"},{"@type":"ListItem","position":3,"name":"Najni\u017e\u0161ie \u00faroky na trhu klesli pod 0,4 %! Ako si zjednodu\u0161i\u0165 vybavenie hypot\u00e9ky?"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/48a635316105ef367c341718fdb7cfeb","name":"Eva \u0160ablov\u00e1","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/10\/EVA-\u0160ABLOV\u00c1_FinGO.sk_-96x96.jpg","caption":"Eva \u0160ablov\u00e1"},"description":"Nieko\u013eko rokov p\u00f4sobila v banke ako osobn\u00fd bank\u00e1r a nesk\u00f4r hypotek\u00e1rny \u0161pecialista. Sk\u00fasenosti z bankov\u00e9ho sektora nesk\u00f4r vyu\u017e\u00edvala vo finan\u010dnom sprostredkovan\u00ed. Vo FinGO.sk p\u00f4sob\u00ed na poz\u00edcii riadite\u013eky pre oblas\u0165 \u00faverov. Miluje jazdu na motorke, pl\u00e1vanie a cykloturistiku. Neboj\u00ed sa \u017eiadnej adrenal\u00ednovej v\u00fdzvy.","url":"https:\/\/www.fingo.sk\/blog\/author\/eva-sablova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2608"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=2608"}],"version-history":[{"count":24,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2608\/revisions"}],"predecessor-version":[{"id":3436,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2608\/revisions\/3436"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/2610"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=2608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=2608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=2608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}