{"id":2945,"date":"2021-01-11T14:27:42","date_gmt":"2021-01-11T13:27:42","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2945"},"modified":"2021-01-11T14:37:00","modified_gmt":"2021-01-11T13:37:00","slug":"ake-chyby-robia-slovaci-pri-hypotekach","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ake-chyby-robia-slovaci-pri-hypotekach\/","title":{"rendered":"Ak\u00e9 naj\u010dastej\u0161ie chyby robia \u013eudia, ktor\u00ed si rie\u0161ia hypot\u00e9ku sami?"},"content":{"rendered":"<p><strong>Slov\u00e1ci sa \u010dasto hrn\u00fa do \u00faveru na b\u00fdvanie nepripraven\u00ed. A\u017e dvom tretin\u00e1m \u013eud\u00ed ch\u00fdba finan\u010dn\u00e1 rezerva, maj\u00fa nestabiln\u00fd pr\u00edjem alebo spl\u00e1caj\u00fa in\u00e9 \u00favery, ktor\u00e9 im znemo\u017enia cestu k hypot\u00e9ke. Uk\u00e1zal to prieskum FinGO.sk. Viete, ak\u00e9 \u010fal\u0161ie chyby robia \u013eudia, ktor\u00ed si rie\u0161ia hypot\u00e9ku sami? Vyhnite sa im, aby sa to nestalo aj v\u00e1m.\u00a0<\/strong><\/p>\n<p>FinGO.sk uskuto\u010dnilo prieskum, do ktor\u00e9ho sa zapojilo viac ako sto na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">z cel\u00e9ho Slovenska<\/a>.<em> \u201eNajv\u00e4\u010d\u0161ie percento makl\u00e9rov (65 %) sa stret\u00e1va s t\u00fdm, \u017ee klienti <strong>podce\u0148uj\u00fa finan\u010dn\u00fa pr\u00edpravu na hypotek\u00e1rny z\u00e1v\u00e4zok<\/strong>, nemaj\u00fa vytvoren\u00fa dostato\u010dn\u00fa finan\u010dn\u00fa rezervu, spl\u00e1caj\u00fa aj in\u00e9 \u00favery, ktor\u00e9 im m\u00f4\u017eu znemo\u017eni\u0165 \u010derpanie \u00faveru alebo maj\u00fa nestabiln\u00fd pr\u00edjem, ktor\u00fd im tie\u017e m\u00f4\u017ee skr\u00ed\u017ei\u0165 cestu k hypot\u00e9ke,&#8220;\u00a0<\/em>hovor\u00ed riadite\u013eka pre \u00favery Eva \u0160ablov\u00e1.<\/p>\n<p>Druhou naj\u010dastej\u0161ou chybou (59 %) je to, \u017ee klient <strong>automaticky najsk\u00f4r po\u017eiada o hypot\u00e9ku vo svojej banke<\/strong>, pritom to nemus\u00ed by\u0165 pre\u0148ho to najv\u00fdhodnej\u0161ie rie\u0161enie.<em> &#8222;Ak mu jeho banka \u00faver neschv\u00e1li, automaticky sa dost\u00e1va <a href=\"https:\/\/www.fingo.sk\/blog\/uverovy-register-co-vsetko-o-vas-prezradi\/\">do \u00faverov\u00e9ho registra<\/a>,\u201d <\/em>upozor\u0148uje odborn\u00ed\u010dka.<\/p>\n<p><strong><img decoding=\"async\" class=\"aligncenter wp-image-2946\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami.jpg\" alt=\"prieskum grafy hypot\u00e9ka\" width=\"600\" height=\"507\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami.jpg 1834w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami-300x254.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami-768x649.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami-1024x865.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Ak\u00e9-naj\u010dastej\u0161ie-chyby-robia-klienti-ktor\u00ed-si-rie\u0161ia-hypot\u00e9ku-sami-1080x913.jpg 1080w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/strong><\/p>\n<p>A\u017e<strong> 6 z 10 \u013eud\u00ed sa z\u00e1rove\u0148 nech\u00e1 zl\u00e1ka\u0165 na reklamu<\/strong> a propagovan\u00e9\u00a0<strong><a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-rekordne-lacne\/\">top \u00faroky<\/a><\/strong> na hypot\u00e9kach, ktor\u00e9 v\u0161ak v skuto\u010dnosti nedostan\u00fa alebo s\u00fa podmienen\u00e9 uzavret\u00edm \u010fal\u0161\u00edch slu\u017eieb.\u00a0M\u00f4\u017ee to by\u0165 povinn\u00e9 otvorenie \u00fa\u010dtu alebo poistenie \u00faveru v banke. Tieto slu\u017eby v\u0161ak tvoria pre klienta \u010fal\u0161ie n\u00e1klady.<\/p>\n<blockquote><p><em>&#8222;\u013dudia si to \u010dasto neuvedomuj\u00fa, no zak\u00fapen\u00edm \u010fal\u0161\u00edch slu\u017eieb za svoj \u00faver <strong>zaplatia v kone\u010dnom d\u00f4sledku viac ako keby si zobrali hypot\u00e9ku s vy\u0161\u0161\u00edm \u00farokom<\/strong>, ale bez dodato\u010dn\u00fdch podmienok,\u201d <\/em>vysvet\u013euje Eva \u0160ablov\u00e1.<\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\">Najsk\u00f4r h\u013ead\u00e1me b\u00fdvanie, a\u017e potom rie\u0161ime financie. M\u00e1 to by\u0165 naopak<\/span><\/h2>\n<p>Pod\u013ea prieskumu <strong>39 % \u013eud\u00ed najsk\u00f4r h\u013ead\u00e1 nehnute\u013enos\u0165<\/strong> a a\u017e potom sa zauj\u00edma o svoje mo\u017enosti \u00faverovania. \u010ci\u017ee a\u017e ke\u010f n\u00e1jdu vhodn\u00fd byt \u010di dom, za\u010dn\u00fa preverova\u0165, \u010di im banka dok\u00e1\u017ee poskytn\u00fa\u0165 \u00faver a v akej v\u00fd\u0161ke.<\/p>\n<div id=\"attachment_2947\" style=\"width: 310px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-2947\" decoding=\"async\" class=\"wp-image-2947 size-medium\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-300x300.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-150x150.png 150w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-768x768.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-1024x1024.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_-1080x1080.png 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/Eva-\u0160ablov\u00e1_FinGO.sk_.png 1125w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-2947\" class=\"wp-caption-text\">Eva \u0160ablov\u00e1, riadite\u013eka pre \u00favery vo FinGO.sk<\/p><\/div>\n<p><em>\u201eJe naozaj dobr\u00e9, ak si \u013eudia <strong>vopred preveria, kde s\u00fa ich finan\u010dn\u00e9 limity.<\/strong> Aby si rezervovali tak\u00fa nehnute\u013enos\u0165, ktor\u00fa si m\u00f4\u017eu finan\u010dne dovoli\u0165, respekt\u00edve na k\u00fapu ktorej im banka bude schopn\u00e1 po\u017ei\u010da\u0165,\u201d <\/em>opisuje odborn\u00ed\u010dka na \u00favery. Pri opa\u010dnom scen\u00e1ri by ste mohli zbyto\u010dne uhradi\u0165 rezerva\u010dn\u00fd poplatok za nehnute\u013enos\u0165, ktor\u00fa si napokon nek\u00fapite a pr\u00eddete tak o tis\u00edcky eur. \u017dia\u013e, aj tak\u00e9 situ\u00e1cie sa st\u00e1vaj\u00fa.<\/p>\n<p>Pod\u013ea prieskumu je \u010dast\u00fdm probl\u00e9mom aj to, \u017ee klienti bez pomoci makl\u00e9ra nemaj\u00fa preh\u013ead o \u00faverov\u00fdch \u0161tandardoch v jednotliv\u00fdch bank\u00e1ch. Preto si <strong>hypot\u00e9ku sami nevyrie\u0161ia<\/strong> napriek tomu, \u017ee in\u00e1 banka by im ju vedela poskytn\u00fa\u0165.<em> \u201eZ\u00e1rove\u0148 37 % \u013eud\u00ed nedok\u00e1\u017ee skoordinova\u0165 v\u0161etky potrebn\u00e9 kroky potrebn\u00e9 k \u00faveru. To im sp\u00f4sobuje \u010dasov\u00fd stres a v najhor\u0161om pr\u00edpade aj znemo\u017enenie \u010derpania \u00faveru,\u201d <\/em>dod\u00e1va \u0160ablov\u00e1.<\/p>\n<h2><span style=\"color: #ec8124;\">U\u017e d\u00e1vno neplat\u00ed, \u017ee hypot\u00e9ku dostane takmer ka\u017ed\u00fd<\/span><\/h2>\n<p>Pod\u013ea odborn\u00ed\u010dky pr\u00ednos kvalitn\u00e9ho <a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a> m\u00f4\u017ee by\u0165 pre klienta obrovsk\u00fd<strong> pr\u00e1ve v s\u00fa\u010dasnom obdob\u00ed, kedy s\u00fa pre mnoh\u00fdch \u013eud\u00ed cesty k z\u00edskaniu hypot\u00e9ky ove\u013ea zlo\u017eitej\u0161ie.\u00a0<\/strong>U\u017e d\u00e1vno neplat\u00ed, \u017ee takmer ka\u017ed\u00fd vie dosta\u0165 hypot\u00e9ku, lebo s\u00fa na trhu n\u00edzke \u00faroky.<\/p>\n<blockquote><p>Pr\u00e1ve naopak, legislat\u00edva pre posudzovanie schopnosti klienta spl\u00e1ca\u0165 \u00faver sa spr\u00eds\u0148uje a viacer\u00ed klienti u\u017e boli nemilo prekvapen\u00ed, \u017ee to v banke nevy\u0161lo tak, ako o\u010dak\u00e1vali.<\/p><\/blockquote>\n<p><iframe id=\"banner\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" src=\"https:\/\/www.fingo.sk\/banner\/version2?utm_source=fingoblog&amp;utm_medium=Kalkulacka\" name=\"banner\" width=\" 90%\" height=\"300\" frameborder=\"0\" scrolling=\"1\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3><span style=\"color: #ec8124;\">Ako si zv\u00fd\u0161i\u0165 \u0161ancu na \u00faver? S makl\u00e9rom to bude jednoduch\u0161ie<\/span><\/h3>\n<ul>\n<li>Nez\u00e1visl\u00fd hypotek\u00e1rny \u0161pecialista m\u00e1 ove\u013ea<strong> v\u00e4\u010d\u0161\u00ed preh\u013ead o podmienkach<\/strong>, akcept\u00e1cii \u017eiadate\u013eov o \u00faver, ale aj o rozdieloch v ich posudzovan\u00ed naprie\u010d cel\u00fdm bankov\u00fdm trhom.<\/li>\n<li>Makl\u00e9r v\u00e1s <strong>vie spr\u00e1vne nasmerova\u0165<\/strong> a zv\u00fd\u0161i\u0165 tak \u0161ancu z\u00edska\u0165 \u010do najv\u00fdhodnej\u0161\u00ed \u00faver \u0161it\u00fd na mieru pod\u013ea va\u0161ich individu\u00e1lnych mo\u017enost\u00ed a preferenci\u00ed.<\/li>\n<li>Okrem toho sa vie pozrie\u0165<strong> komplexne na va\u0161e financie<\/strong> a pom\u00f4\u017ee aj <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\">so zabezpe\u010den\u00edm \u00faveru<\/a> pre pr\u00edpad neo\u010dak\u00e1van\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00ed, pr\u00edpadne v\u00e1s vie pripravi\u0165 na <strong>pred\u010dasn\u00e9 splatenie hypot\u00e9ky<\/strong>.<\/li>\n<li>Okrem finan\u010dnej \u00faspory tak v\u010faka sprostredkovate\u013eovi <strong>u\u0161etr\u00edte aj ve\u013ea \u010dasu a stresov<\/strong> na ceste k vlastn\u00e9mu b\u00fdvaniu.<\/li>\n<\/ul>\n<p><strong>Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<\/strong> patria k \u0161pi\u010dke hypotek\u00e1rnych makl\u00e9rov a radi v\u00e1m pom\u00f4\u017eu s financovan\u00edm b\u00fdvania. Zavolajte n\u00e1m na <span style=\"color: #ec8124;\">0800 60 10 60<\/span> alebo n\u00e1m zanechajte svoje \u00fadaje a my sa v\u00e1m \u010doskoro ozveme.<\/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\/2945#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>Slov\u00e1ci sa \u010dasto hrn\u00fa do \u00faveru na b\u00fdvanie nepripraven\u00ed. A\u017e dvom tretin\u00e1m \u013eud\u00ed ch\u00fdba finan\u010dn\u00e1 rezerva, maj\u00fa nestabiln\u00fd pr\u00edjem alebo spl\u00e1caj\u00fa in\u00e9 \u00favery, ktor\u00e9 im znemo\u017enia cestu k hypot\u00e9ke. Uk\u00e1zal to prieskum FinGO.sk. Viete, ak\u00e9 \u010fal\u0161ie chyby robia \u013eudia, ktor\u00ed si rie\u0161ia hypot\u00e9ku sami? Vyhnite sa im, aby sa to nestalo aj v\u00e1m.\u00a0 FinGO.sk uskuto\u010dnilo prieskum, do ktor\u00e9ho sa zapojilo viac ako sto na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov z cel\u00e9ho Slovenska. \u201eNajv\u00e4\u010d\u0161ie percento makl\u00e9rov (65 %) sa stret\u00e1va s t\u00fdm, \u017ee klienti podce\u0148uj\u00fa finan\u010dn\u00fa pr\u00edpravu na hypotek\u00e1rny z\u00e1v\u00e4zok, nemaj\u00fa vytvoren\u00fa dostato\u010dn\u00fa finan\u010dn\u00fa rezervu, spl\u00e1caj\u00fa aj in\u00e9 \u00favery, ktor\u00e9 im m\u00f4\u017eu znemo\u017eni\u0165 \u010derpanie \u00faveru alebo maj\u00fa nestabiln\u00fd pr\u00edjem, ktor\u00fd im tie\u017e m\u00f4\u017ee skr\u00ed\u017ei\u0165 cestu k hypot\u00e9ke,&#8220;\u00a0hovor\u00ed riadite\u013eka pre \u00favery Eva \u0160ablov\u00e1. Druhou naj\u010dastej\u0161ou chybou (59 %) je to, \u017ee klient automaticky najsk\u00f4r po\u017eiada o hypot\u00e9ku vo svojej banke, pritom to nemus\u00ed by\u0165 pre\u0148ho to najv\u00fdhodnej\u0161ie rie\u0161enie. &#8222;Ak mu jeho banka \u00faver neschv\u00e1li, automaticky sa dost\u00e1va do \u00faverov\u00e9ho registra,\u201d upozor\u0148uje odborn\u00ed\u010dka. A\u017e 6 z 10 \u013eud\u00ed sa z\u00e1rove\u0148 nech\u00e1 zl\u00e1ka\u0165 na reklamu a propagovan\u00e9\u00a0top \u00faroky na hypot\u00e9kach, ktor\u00e9 v\u0161ak v skuto\u010dnosti nedostan\u00fa alebo s\u00fa podmienen\u00e9 uzavret\u00edm \u010fal\u0161\u00edch slu\u017eieb.\u00a0M\u00f4\u017ee to by\u0165 povinn\u00e9 otvorenie \u00fa\u010dtu alebo poistenie \u00faveru v banke. Tieto slu\u017eby v\u0161ak tvoria pre klienta [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2951,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,4,157],"tags":[36,163,24,194],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ak\u00e9 naj\u010dastej\u0161ie chyby robia \u013eudia, ktor\u00ed si rie\u0161ia hypot\u00e9ku sami? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"A\u017e dve tretiny Slov\u00e1kov sa hrn\u00fa do \u00faveru nepripraven\u00ed. Ako sa tomu vyhn\u00fa\u0165 a nerobi\u0165 zbyto\u010dn\u00e9 chyby pri hypot\u00e9ke? 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