{"id":3373,"date":"2021-04-09T10:15:17","date_gmt":"2021-04-09T08:15:17","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3373"},"modified":"2021-07-01T16:49:53","modified_gmt":"2021-07-01T14:49:53","slug":"ako-dofinancovat-hypoteku-co-najvyhodnejsie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/","title":{"rendered":"Ako dofinancova\u0165 hypot\u00e9ku \u010do najv\u00fdhodnej\u0161ie?"},"content":{"rendered":"<p><b>Kupujete byt za 100-tis\u00edc eur? R\u00e1tajte s t\u00fdm, \u017ee banka v\u00e1m vie poskytn\u00fa\u0165 hypot\u00e9ku maxim\u00e1lne do 80 % z hodnoty nehnute\u013enosti, \u010di\u017ee 80-tis\u00edc a zvy\u0161n\u00fdch 20-tis\u00edc eur mus\u00edte dofinancova\u0165 in\u00fdm sp\u00f4sobom. Ide\u00e1lne je pou\u017ei\u0165 vlastn\u00e9 \u00faspory, ale ak ich nem\u00e1te, mus\u00edte sa poobzera\u0165 po in\u00fdch rie\u0161eniach. Pre\u010d\u00edtajte si, ak\u00e9 mo\u017enosti existuj\u00fa a ktor\u00e1 m\u00f4\u017ee by\u0165 najlep\u0161ia pr\u00e1ve pre v\u00e1s.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u013ea prieskumu FinGO.sk <strong>takmer polovica klientov <\/strong>preferuje na dofinancovanie <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypot\u00e9ky<\/a> \u00faver stavebnej sporite\u013ene a po spotrebnom \u00favere siaha zhruba <strong>30 % klientov<\/strong>. Len 1 z 10 \u013eud\u00ed na dofinancovanie vyu\u017eije vlastn\u00e9 \u00faspory alebo peniaze od rodiny, pr\u00edpadne zalo\u017e\u00ed v prospech svojej hypot\u00e9ky \u010fal\u0161iu, napr\u00edklad rodi\u010dovsk\u00fa nehnute\u013enos\u0165 a v\u010faka tomu mu banka poskytne vy\u0161\u0161\u00ed \u00faver.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ako dofinancova\u0165 hypot\u00e9ku<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak nem\u00e1te vlastn\u00e9 \u00faspory, zvy\u0161n\u00fa \u010das\u0165 k\u00fapnej ceny bytu \u010di domu m\u00f4\u017eete dofinancova\u0165 <\/span><b>spotrebn\u00fdm \u00faverom<\/b><span style=\"font-weight: 400;\"> alebo<\/span><b> \u00faverom stavebnej sporite\u013ene<\/b><span style=\"font-weight: 400;\">. Vo\u013eba ide\u00e1lneho rie\u0161enia z\u00e1vis\u00ed hlavne <strong>od v\u00e1\u0161ho pr\u00edjmu<\/strong>, ktor\u00fd v\u00e1m banka akceptuje, ale aj <strong>od sumy<\/strong>, ktor\u00fa potrebujete dofinancova\u0165. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Je rozdiel \u010di ide o 10 a\u017e 20-tis\u00edc eur alebo napr\u00edklad o 40-tis\u00edc eur, ktor\u00e9 formou spotrebn\u00e9ho \u00faveru nedostanete.\u00a0\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Ak nem\u00e1te dostatok vlastn\u00fdch zdrojov na dofinancovanie<\/span><b>, m\u00f4\u017eu v\u00e1m rodi\u010dia pom\u00f4c\u0165 <\/b>aj\u00a0<span style=\"font-weight: 400;\">t\u00fdm, \u017ee bud\u00fa ru\u010di\u0165 v prospech banky aj svojou nehnute\u013enos\u0165ou. Banke tak pon\u00faknete dostato\u010dn\u00fa hodnotu zabezpe\u010denia a m\u00f4\u017ee v\u00e1m <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\">schv\u00e1li\u0165 hypot\u00e9ku<\/a> na pokrytie celej k\u00fapnej ceny.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Spotrebn\u00fd \u00faver<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te <strong>dostato\u010dn\u00fd pr\u00edjem<\/strong> na spl\u00e1canie dvoch \u00faverov, m\u00f4\u017eete po\u017eiada\u0165 banku o dofinancovanie spotrebn\u00fdm \u00faverom.\u00a0<\/span><span style=\"font-weight: 400;\">Mnoh\u00e9 banky v\u00e1m p\u00f4\u017ei\u010dku na dofinancovanie m\u00f4\u017eu pon\u00faknu\u0165 rovno k schv\u00e1lenej hypot\u00e9ke, a to <strong>so zv\u00fdhodnen\u00fdm \u00farokom.<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Spotrebn\u00fd \u00faver je v\u0161ak limitovan\u00fd <\/span>splatnos\u0165ou <b>maxim\u00e1lne 8 rokov, <\/b><span style=\"font-weight: 400;\">preto bude va\u0161a <\/span>mesa\u010dn\u00e1<b> spl\u00e1tka vy\u0161\u0161ia <\/b><span style=\"font-weight: 400;\">oproti medzi\u00faveru stavebnej sporite\u013ene.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obmedzen\u00e1 je aj maxim\u00e1lna v\u00fd\u0161ka p\u00f4\u017ei\u010dky, obvykle je to <\/span><b>25 000 a\u017e 30 000 eur.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kombin\u00e1cia hypot\u00e9ka + spotrebn\u00fd \u00faver je<\/span><b> jednoduch\u0161ia a r\u00fdchlej\u0161ia<\/b><span style=\"font-weight: 400;\"> na vybavenie<\/span> <span style=\"font-weight: 400;\">a vyu\u017e\u00edvaj\u00fa ju v\u00e4\u010d\u0161inou bonitnej\u0161\u00ed klienti.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spotrebn\u00fd \u00faver m\u00f4\u017eete nesk\u00f4r bu\u010f<\/span><b> pred\u010dasne splati\u0165<\/b><span style=\"font-weight: 400;\">, alebo ak v\u00e1m vy\u0161\u0161ie mesa\u010dn\u00e9 za\u0165a\u017eenie nebude vyhovova\u0165, m\u00f4\u017eete \u010dasom <\/span><b>zl\u00fa\u010di\u0165 oba \u00favery <\/b>do jednej refinan\u010dnej hypot\u00e9ky<span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">Refinancovanie<\/a> v\u0161ak bude mo\u017en\u00e9 a\u017e vtedy, ak poklesne zostatok \u00faverov, resp. ak sa vplyvom rastu cien alebo po pr\u00edpadnej rekon\u0161trukcii zv\u00fd\u0161i hodnota va\u0161ej nehnute\u013enosti. Banka bude v\u017edy po\u017eadova\u0165<\/span><b> dostato\u010dn\u00e9 zabezpe\u010denie<\/b><span style=\"font-weight: 400;\"> v pomere k v\u00fd\u0161ke zostatku \u00faveru.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>Medzi\u00faver stavebnej sporite\u013ene<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medzi\u00faver stavebnej sporite\u013ene sa d\u00e1 v porovnan\u00ed so spotrebn\u00fdm \u00faverom natiahnu\u0165 na viac ako 8 rokov, pokojne aj <\/span><b>20 \u010di 30 rokov.\u00a0<\/b><span style=\"font-weight: 400;\">V\u010faka dlh\u0161ej splatnosti m\u00f4\u017eete ma\u0165 na \u00favere <\/span><b>ni\u017e\u0161iu mesa\u010dn\u00fa spl\u00e1tku.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Kombin\u00e1cia hypot\u00e9ka + medzi\u00faver stavebnej sporite\u013ene je preto ide\u00e1lna pre klientov, ktor\u00ed po\u017eaduj\u00fa \u010do <\/span><b>najni\u017e\u0161ie mesa\u010dn\u00e9 za\u0165a\u017eenie<\/b> rozpo\u010dtu.\u00a0<b><span style=\"font-weight: 400;\">Musia v\u0161ak r\u00e1ta\u0165<\/span><\/b> s vy\u0161\u0161\u00edm<b> celkov\u00fdm preplaten\u00edm <\/b>\u00faveru.<\/li>\n<li><span style=\"font-weight: 400;\">Medzi\u00faver stavebnej sporite\u013ene m\u00f4\u017eete z\u00edska\u0165 aj v pr\u00edpade,<\/span> ak <strong>nem\u00e1te uzavret\u00e9 <a href=\"https:\/\/www.fingo.sk\/blog\/stavebne-sporenie-5-dovodov-preco-by-ste-s-nim-stale-mali-pocitat\/\">stavebn\u00e9 sporenie<\/a><\/strong>.<\/li>\n<li><span style=\"font-weight: 400;\">Niekedy je mo\u017en\u00e9 z\u00edska\u0165 v\u00fdhodnej\u0161ie podmienky tohto \u00faveru <\/span>v\u010faka<b> existuj\u00facej zmluve <\/b>stavebn\u00e9ho sporenia<span style=\"font-weight: 400;\">, ktor\u00fa u\u017e m\u00e1te uzavret\u00fa vy alebo napr\u00edklad v\u00e1\u0161 rodinn\u00fd pr\u00edslu\u0161n\u00edk.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Navy\u0161e m\u00f4\u017eete preplatenie eliminova\u0165 <\/span><b>mimoriadnymi spl\u00e1tkami.<\/b><\/li>\n<li><span style=\"font-weight: 400;\">Aj v tomto pr\u00edpade m\u00f4\u017eete po \u010dase zl\u00fa\u010di\u0165 oba \u00favery pod jeden refinan\u010dn\u00fd \u00faver zabezpe\u010den\u00fd nehnute\u013enos\u0165ou.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>Ru\u010denie nehnute\u013enos\u0165ou od rodi\u010dov \u010di zn\u00e1mych<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161ou alternat\u00edvou, ktor\u00fa vyu\u017e\u00edva <\/span><b>\u010doraz viac \u013eud\u00ed,<\/b><span style=\"font-weight: 400;\"> je pomoc rodi\u010dov alebo in\u00fdch bl\u00edzkych os\u00f4b. Ak vlastnia nehnute\u013enos\u0165 a nemaj\u00fa ju za\u0165a\u017een\u00fa hypot\u00e9kou, m\u00f4\u017ee ich dom \u010di byt sl\u00fa\u017ei\u0165 ako \u010fal\u0161ie zabezpe\u010denie \u00faveru.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vy\u0161\u0161ia hodnota zabezpe\u010denia v\u00e1m umo\u017en\u00ed \u010derpa\u0165<\/span><b> len jeden \u00faver,<\/b><span style=\"font-weight: 400;\"> a to hypot\u00e9ku v plnej v\u00fd\u0161ke.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Okrem toho vznik\u00e1 priestor zobra\u0165 si <\/span><b>p\u00e1r tis\u00edc eur navy\u0161e,<\/b><span style=\"font-weight: 400;\"> ktor\u00e9 sa m\u00f4\u017eu z\u00eds\u0165 na zariadenie alebo rekon\u0161trukciu nov\u00e9ho b\u00fdvania.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nehovoriac o tom, \u017ee pri hypot\u00e9ke dostanete jednozna\u010dne <\/span><b>najv\u00fdhodnej\u0161iu <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/\">\u00farokov\u00fa sadzbu.\u00a0<\/a><\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Po \u010dase m\u00f4\u017eete po\u017eiada\u0165<strong> o <\/strong><\/span><b>vy\u0148atie <\/b>druhej zalo\u017eenej nehnute\u013enosti,<span style=\"font-weight: 400;\"> kedy u\u017e hodnota zost\u00e1vaj\u00facej nehnute\u013enosti bude posta\u010dova\u0165 na zabezpe\u010denie klesaj\u00faceho zostatku \u00faveru.\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Alternat\u00edvou tejto mo\u017enosti je ru\u010di\u0165 do\u010dasne len jednou nehnute\u013enos\u0165ou, ale <strong>inou ako je t\u00e1, ktor\u00fa kupujete<\/strong> za predpokladu, \u017ee m\u00e1 vy\u0161\u0161iu hodnotu. Potom by i\u0161lo len o v\u00fdmenu zalo\u017eenej nehnute\u013enosti.<\/span><\/p>\n<p><strong>Na pr\u00edkladoch ni\u017e\u0161ie<\/strong> si uk\u00e1\u017eeme, ko\u013eko v\u00e1s m\u00f4\u017ee st\u00e1\u0165 hypot\u00e9ka aj s dofinancovan\u00edm, ak by ste potrebovali 60-tis\u00edc, 100-tis\u00edc alebo 150-tis\u00edc eur. Alebo n\u00e1m zavolajte na <span style=\"color: #ec8124;\"><strong>0800 60 10 60,<\/strong><\/span>\u00a0pr\u00edpadne zanechajte kontakt a radi v\u00e1m odporu\u010d\u00edme to najv\u00fdhodnej\u0161ie rie\u0161enie priamo pre v\u00e1s.<\/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\/3373#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<h3><span style=\"color: #ec8124;\"><b>PR\u00cdKLADY: Ko\u013eko v\u00e1s bude st\u00e1\u0165 hypot\u00e9ka s dofinancovan\u00edm a ak\u00fd pr\u00edjem potrebujete?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400; font-size: 10pt;\">Ide o orienta\u010dn\u00e9 pr\u00edklady, po\u010d\u00edtan\u00e9 s priemernou \u00farokovou sadzbou pre nov\u00e9 \u00favery. V\u00fdsledn\u00e9 \u00farokov\u00e9 sadzby a mesa\u010dn\u00e9 spl\u00e1tky \u00faverov z\u00e1visia od individu\u00e1lneho pos\u00fadenia konkr\u00e9tnych b\u00e1nk a stavebn\u00fdch sporite\u013en\u00ed. Ovplyv\u0148uje ich aj bonita klienta a jeho dosiahnut\u00fd <a href=\"https:\/\/www.fingo.sk\/blog\/ludia-dnes-neriesia-top-uroky-ale-to-ci-hypoteku-vobec-dostanu\/\">rating v banke<\/a>. \u010co sa t\u00fdka potrebn\u00e9ho pr\u00edjmu &#8211; ide o minim\u00e1lny pr\u00edjem v pr\u00edpade, \u017ee banka posudzuje jedin\u00fa osobu, klient je slobodn\u00fd, bezdetn\u00fd a bez z\u00e1v\u00e4zkov.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Kupujete nehnute\u013enos\u0165 za 60 000 eur<\/b><\/span><\/h3>\n<table style=\"border-color: #ec8124; border-style: solid;\">\n<tbody>\n<tr style=\"height: 102px;\">\n<td style=\"height: 204px; width: 212.381px; border-style: solid; border-color: #ec8124;\" rowspan=\"2\"><\/td>\n<td style=\"height: 204px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\" rowspan=\"2\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA na pln\u00fa v\u00fd\u0161ku k\u00fapnej ceny pri RU\u010cEN\u00cd 2 NEHNUTE\u013dNOS\u0164AMI<\/span><\/td>\n<td style=\"height: 102px; width: 283.238px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie \u00faverom cez stavebn\u00fa sporite\u013e\u0148u<\/span><\/td>\n<td style=\"height: 102px; width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie bankov\u00fdm spotrebn\u00fdm \u00faverom<\/span><\/td>\n<\/tr>\n<tr style=\"height: 102px;\">\n<td style=\"height: 102px; width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"height: 102px; width: 178.095px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\"><span style=\"font-size: 10pt;\">MEDZI\u00daVER STAVEBNEJ SPORITE\u013dNE<\/span><\/td>\n<td style=\"height: 102px; width: 123.238px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"height: 102px; width: 127.81px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef;\"><span style=\"font-size: 10pt;\">SPOTREBN\u00dd \u00daVER<\/span><\/td>\n<\/tr>\n<tr style=\"height: 55px;\">\n<td style=\"height: 55px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"font-weight: 400; font-size: 12pt;\">V\u00fd\u0161ka \u00faveru<\/span><\/td>\n<td style=\"height: 55px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">60 000 \u20ac<\/span><\/td>\n<td style=\"height: 55px; width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">48 000 \u20ac<\/span><\/td>\n<td style=\"height: 55px; width: 178.095px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">12 000 \u20ac<\/span><\/td>\n<td style=\"height: 55px; width: 123.238px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">48 000 \u20ac<\/span><\/td>\n<td style=\"height: 55px; width: 127.81px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">12 000 \u20ac<\/span><\/td>\n<\/tr>\n<tr style=\"height: 78px;\">\n<td style=\"height: 78px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"font-weight: 400; font-size: 12pt;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"height: 78px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"height: 78px; width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"height: 78px; width: 178.095px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,99 % p.a.<\/span><\/td>\n<td style=\"height: 78px; width: 123.238px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"height: 78px; width: 127.81px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,9 % p.a.<\/span><\/td>\n<\/tr>\n<tr style=\"height: 55px;\">\n<td style=\"height: 55px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"font-weight: 400; font-size: 12pt;\">Splatnos\u0165\u00a0<\/span><\/td>\n<td style=\"height: 55px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"height: 55px; width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"height: 55px; width: 178.095px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">20 rokov<\/span><\/td>\n<td style=\"height: 55px; width: 123.238px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"height: 55px; width: 127.81px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">8 rokov<\/span><\/td>\n<\/tr>\n<tr style=\"height: 78px;\">\n<td style=\"height: 78px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"font-size: 12pt;\"><strong>Mesa\u010dn\u00e1 spl\u00e1tka<\/strong><\/span><\/td>\n<td style=\"height: 78px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-size: 12pt;\"><b>193 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 78px; width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-size: 12pt;\"><b>154 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 78px; width: 178.095px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-size: 12pt;\"><b>77 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 78px; width: 123.238px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-size: 12pt;\"><b>154 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 78px; width: 127.81px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"font-size: 12pt;\"><b>146 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<tr style=\"height: 102px;\">\n<td style=\"height: 102px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>Celkov\u00e1 spl\u00e1tka spolu<\/b><\/span><\/td>\n<td style=\"height: 102px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>193 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 102px; width: 283.238px; border-style: solid; border-color: #ec8124; text-align: center;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>231 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<td style=\"height: 102px; width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>300 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"height: 102px;\">\n<td style=\"height: 102px; width: 212.381px; border-style: solid; border-color: #ec8124;\"><span style=\"color: #808080; font-size: 12pt;\"><b>Potrebn\u00fd min. pr\u00edjem<\/b><\/span><\/td>\n<td style=\"height: 102px; width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center;\"><span style=\"color: #808080; font-size: 12pt;\"><b>640 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 102px; width: 283.238px; border-style: solid; border-color: #ec8124; text-align: center;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>680 \u20ac<\/b><\/span><\/td>\n<td style=\"height: 102px; width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>800 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"color: #ec8124;\"><b>Kupujete nehnute\u013enos\u0165 za 100 000 eur<\/b><\/span><\/h3>\n<table style=\"height: 324px; border-color: #ec8124; border-style: solid;\">\n<tbody>\n<tr style=\"height: 70px;\">\n<td style=\"width: 209.333px; height: 140px; border-color: #ec8124; border-style: solid;\" rowspan=\"2\"><\/td>\n<td style=\"width: 137.714px; height: 140px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\" rowspan=\"2\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA na pln\u00fa v\u00fd\u0161ku k\u00fapnej ceny pri RU\u010cEN\u00cd 2 NEHNUTE\u013dNOS\u0164AMI<\/span><\/td>\n<td style=\"width: 283.238px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie \u00faverom cez stavebn\u00fa sporite\u013e\u0148u<\/span><\/td>\n<td style=\"width: 258.857px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie bankov\u00fdm spotrebn\u00fdm \u00faverom<\/span><\/td>\n<\/tr>\n<tr style=\"height: 70px;\">\n<td style=\"width: 92px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"width: 185.714px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\"><span style=\"font-size: 10pt;\">MEDZI\u00daVER STAVEBNEJ SPORITE\u013dNE<\/span><\/td>\n<td style=\"width: 119.429px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"width: 133.905px; height: 70px; border-color: #ec8124; border-style: solid; background-color: #efefef; text-align: center;\"><span style=\"font-size: 10pt;\">SPOTREBN\u00dd \u00daVER<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; height: 23px; border-color: #ec8124; border-style: solid;\"><span style=\"font-weight: 400; font-size: 12pt;\">V\u00fd\u0161ka \u00faveru<\/span><\/td>\n<td style=\"width: 137.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">100 000 \u20ac<\/span><\/td>\n<td style=\"width: 92px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">80 000 \u20ac<\/span><\/td>\n<td style=\"width: 185.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">20 000 \u20ac<\/span><\/td>\n<td style=\"width: 119.429px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">80 000 \u20ac<\/span><\/td>\n<td style=\"width: 133.905px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">20 000 \u20ac<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; height: 23px; border-color: #ec8124; border-style: solid;\"><span style=\"font-weight: 400; font-size: 12pt;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"width: 137.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 92px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 185.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,99 % p.a.<\/span><\/td>\n<td style=\"width: 119.429px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 133.905px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,9 % p.a.<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; height: 23px; border-color: #ec8124; border-style: solid;\"><span style=\"font-weight: 400; font-size: 12pt;\">Splatnos\u0165\u00a0<\/span><\/td>\n<td style=\"width: 137.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 92px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 185.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">20 rokov<\/span><\/td>\n<td style=\"width: 119.429px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 133.905px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-weight: 400; font-size: 12pt;\">8 rokov<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; height: 23px; border-color: #ec8124; border-style: solid;\"><span style=\"font-size: 12pt;\"><strong>Mesa\u010dn\u00e1 spl\u00e1tka<\/strong><\/span><\/td>\n<td style=\"width: 137.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-size: 12pt;\"><b>322 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 92px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-size: 12pt;\"><b>257 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 185.714px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-size: 12pt;\"><b>128 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 119.429px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-size: 12pt;\"><b>257 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 133.905px; height: 23px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"font-size: 12pt;\"><b>243 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<tr style=\"height: 46px;\">\n<td style=\"width: 209.333px; height: 46px; border-color: #ec8124; border-style: solid;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>Celkov\u00e1 spl\u00e1tka spolu<\/b><\/span><\/td>\n<td style=\"width: 137.714px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>322 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 283.238px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>385 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<td style=\"width: 258.857px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>500 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"height: 46px;\">\n<td style=\"width: 209.333px; height: 46px; border-color: #ec8124; border-style: solid;\"><span style=\"color: #808080; font-size: 12pt;\"><b>Potrebn\u00fd min. pr\u00edjem<\/b><\/span><\/td>\n<td style=\"width: 137.714px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\"><span style=\"color: #808080; font-size: 12pt;\"><b>1050 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 283.238px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>1050 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 258.857px; height: 46px; border-color: #ec8124; border-style: solid; text-align: center;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>1190 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"color: #ec8124;\"><b>Kupujete nehnute\u013enos\u0165 za 150 000 eur<\/b><\/span><\/h3>\n<table style=\"border-color: #ec8124; border-style: solid; height: 230px;\">\n<tbody>\n<tr style=\"height: 46px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 92px;\" rowspan=\"2\"><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 92px;\" rowspan=\"2\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA na pln\u00fa v\u00fd\u0161ku k\u00fapnej ceny pri RU\u010cEN\u00cd 2 NEHNUTE\u013dNOS\u0164AMI<\/span><\/td>\n<td style=\"width: 289.333px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie \u00faverom cez stavebn\u00fa sporite\u013e\u0148u<\/span><\/td>\n<td style=\"width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\" colspan=\"2\"><span style=\"font-size: 10pt;\">Kombin\u00e1cia hypot\u00e9ka + dofinancovanie bankov\u00fdm spotrebn\u00fdm \u00faverom<\/span><\/td>\n<\/tr>\n<tr style=\"height: 46px;\">\n<td style=\"width: 95.8095px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"width: 188px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\"><span style=\"font-size: 10pt;\">MEDZI\u00daVER STAVEBNEJ SPORITE\u013dNE<\/span><\/td>\n<td style=\"width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\"><span style=\"font-size: 10pt;\">HYPOT\u00c9KA<\/span><\/td>\n<td style=\"width: 151.429px; border-style: solid; border-color: #ec8124; text-align: center; background-color: #efefef; height: 46px;\"><span style=\"font-size: 10pt;\">SPOTREBN\u00dd \u00daVER<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">V\u00fd\u0161ka \u00faveru<\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">150 000 \u20ac<\/span><\/td>\n<td style=\"width: 95.8095px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">120 000 \u20ac<\/span><\/td>\n<td style=\"width: 188px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 000 \u20ac<\/span><\/td>\n<td style=\"width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">120 000 \u20ac<\/span><\/td>\n<td style=\"width: 151.429px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 000 \u20ac*<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">\u00darokov\u00e1 sadzba<\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 95.8095px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 188px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,99 % p.a.<\/span><\/td>\n<td style=\"width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">1 % p.a.<\/span><\/td>\n<td style=\"width: 151.429px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">3,9 % p.a.<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">Splatnos\u0165\u00a0<\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 95.8095px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 188px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">20 rokov<\/span><\/td>\n<td style=\"width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">30 rokov<\/span><\/td>\n<td style=\"width: 151.429px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-weight: 400; font-size: 12pt;\">8 rokov<\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"font-size: 12pt;\"><strong>Mesa\u010dn\u00e1 spl\u00e1tka<\/strong><\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-size: 12pt;\"><b>482 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 95.8095px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-size: 12pt;\"><b>386 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 188px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-size: 12pt;\"><b>191 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 99.619px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-size: 12pt;\"><b>386 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 151.429px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"font-size: 12pt;\"><b>364 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>Celkov\u00e1 spl\u00e1tka spolu<\/b><\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>482 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 289.333px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>577 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<td style=\"width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\" colspan=\"2\"><span style=\"color: #ec8124; font-size: 12pt;\"><b>750 \u20ac<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 209.333px; border-style: solid; border-color: #ec8124; height: 23px;\"><span style=\"color: #808080; font-size: 12pt;\"><b>Potrebn\u00fd min. pr\u00edjem<\/b><\/span><\/td>\n<td style=\"width: 137.714px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\"><span style=\"color: #808080; font-size: 12pt;\"><b>1570 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 289.333px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>1570 \u20ac<\/b><\/span><\/td>\n<td style=\"width: 256.571px; border-style: solid; border-color: #ec8124; text-align: center; height: 23px;\" colspan=\"2\"><span style=\"color: #808080; font-size: 12pt;\"><b>1670 \u20ac<\/b><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 10pt;\"><span style=\"font-weight: 400;\">*Niektor\u00e9 banky neposkytuj\u00fa spotrebn\u00fd \u00faver v takejto v\u00fd\u0161ke, preto prepo\u010det nezoh\u013ead\u0148uje podmienky konkr\u00e9tnej banky, len v\u0161eobecn\u00e9 porovnanie mo\u017en\u00fdch spl\u00e1tok.<\/span><b>\u00a0<\/b><\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ide\u00e1lny scen\u00e1r? Pl\u00e1nujte hypot\u00e9ku aj dofinancovanie vopred<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Samozrejme, najv\u00fdhodnej\u0161ou, najr\u00fdchlej\u0161ou a najjednoduch\u0161ou cestou je dofinancova\u0165 hypot\u00e9ku peniazmi <\/span><b>z vlastn\u00fdch zdrojov. <\/b><span style=\"font-weight: 400;\">Na t\u00fato variantu by sme v\u0161ak mali by\u0165 vopred pripraven\u00ed. K\u00fapa nehnute\u013enosti je pre mnoh\u00fdch \u013eud\u00ed najv\u00e4\u010d\u0161ou invest\u00edciou v \u017eivote, preto by sme si mali tento krok d\u00f4sledne napl\u00e1nova\u0165.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ur\u010dite <\/span><b>nie je vhodn\u00e9 min\u00fa\u0165 <\/b><span style=\"font-weight: 400;\">na dofinancovanie hypot\u00e9ky <\/span><b>v\u0161etky \u00faspory<\/b><span style=\"font-weight: 400;\"> vr\u00e1tane finan\u010dnej rezervy, ktor\u00e1 by mala osta\u0165 v rodine pre neo\u010dak\u00e1van\u00e9 situ\u00e1cie, ak\u00e9 n\u00e1m uk\u00e1zala aj pand\u00e9mia COVID-19.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chce to <\/span>dlhodob\u00e9 pl\u00e1novanie a<b> discipl\u00ednu v sporen\u00ed.<\/b><span style=\"font-weight: 400;\"> Na dofinancovanie hypot\u00e9ky je ve\u013eakr\u00e1t potrebn\u00fd ve\u013ek\u00fd bal\u00edk pe\u0148az\u00ed, preto dnes mnoh\u00ed rodi\u010dia u\u017e aj s t\u00fdmto cie\u013eom za\u010d\u00ednaj\u00fa <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-vyhodne-sporit-detom\/\"><span style=\"font-weight: 400;\">spori\u0165 de\u0165om <\/span><\/a><span style=\"font-weight: 400;\">na ich bud\u00face b\u00fdvanie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vhodn\u00fdm rie\u0161en\u00edm m\u00f4\u017ee by\u0165 zalo\u017eenie stavebn\u00e9ho sporenia<\/span> <span style=\"font-weight: 400;\">alebo<\/span><b> investi\u010dn\u00e9 n\u00e1stroje<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 z dlhodob\u00e9ho h\u013eadiska uchov\u00e1vaj\u00fa hodnotu invest\u00edcie a m\u00f4\u017eu by\u0165 o 10 \u010di 20 rokov pou\u017eit\u00e9 aj ako \u201c\u0161tartovn\u00e9\u201d na ich vlastn\u00e9 b\u00fdvanie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Siahnu\u0165 m\u00f4\u017eete napr\u00edklad <\/span>po v\u00fdhodn\u00fdch<b> ETF fondoch<\/b><span style=\"font-weight: 400;\"> alebo dnes u\u017e nie je ni\u010d\u00edm neobvykl\u00fdm ani sporiaci program<\/span>do<b> investi\u010dn\u00e9ho zlata<\/b><span style=\"font-weight: 400;\"> aj od p\u00e1r eur mesa\u010dne.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Najlep\u0161ie je, ak sa <\/span>porad\u00edte <b>s odborn\u00edkom, <\/b><span style=\"font-weight: 400;\">ktor\u00fd v\u00e1m s oh\u013eadom na va\u0161e finan\u010dn\u00e9 mo\u017enosti a pl\u00e1ny <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-investovat-v-banke-alebo-cez-maklera\/\"><span style=\"font-weight: 400;\">porovn\u00e1 vhodn\u00e9 investi\u010dn\u00e9 produkt<\/span><\/a><span style=\"font-weight: 400;\">y, ich poplatky a podmienky.\u00a0<\/span><\/li>\n<\/ul>\n<p>Finan\u010dn\u00ed <b>sprostredkovatelia z FinGO.sk<\/b><span style=\"font-weight: 400;\"> v\u00e1m s financovan\u00edm b\u00fdvania radi pom\u00f4\u017eu. Na\u0161e rady v\u00e1s ni\u010d nestoja, pritom s na\u0161imi makl\u00e9rmi u\u0161etr\u00edte nielen kopec \u010dasu, ale ve\u013eakr\u00e1t aj pe\u0148az\u00ed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte 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 zanechajte svoje <\/span><b>kontaktn\u00e9 \u00fadaje<\/b><span style=\"font-weight: 400;\"> a na\u0161e call centrum v\u00e1s spoj\u00ed s makl\u00e9rom vo va\u0161om okol\u00ed.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o2\" 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\/3373#wpcf7-f2236-o2\" 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-o2\" \/>\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>Kupujete byt za 100-tis\u00edc eur? R\u00e1tajte s t\u00fdm, \u017ee banka v\u00e1m vie poskytn\u00fa\u0165 hypot\u00e9ku maxim\u00e1lne do 80 % z hodnoty nehnute\u013enosti, \u010di\u017ee 80-tis\u00edc a zvy\u0161n\u00fdch 20-tis\u00edc eur mus\u00edte dofinancova\u0165 in\u00fdm sp\u00f4sobom. Ide\u00e1lne je pou\u017ei\u0165 vlastn\u00e9 \u00faspory, ale ak ich nem\u00e1te, mus\u00edte sa poobzera\u0165 po in\u00fdch rie\u0161eniach. Pre\u010d\u00edtajte si, ak\u00e9 mo\u017enosti existuj\u00fa a ktor\u00e1 m\u00f4\u017ee by\u0165 najlep\u0161ia pr\u00e1ve pre v\u00e1s. Pod\u013ea prieskumu FinGO.sk takmer polovica klientov preferuje na dofinancovanie hypot\u00e9ky \u00faver stavebnej sporite\u013ene a po spotrebnom \u00favere siaha zhruba 30 % klientov. Len 1 z 10 \u013eud\u00ed na dofinancovanie vyu\u017eije vlastn\u00e9 \u00faspory alebo peniaze od rodiny, pr\u00edpadne zalo\u017e\u00ed v prospech svojej hypot\u00e9ky \u010fal\u0161iu, napr\u00edklad rodi\u010dovsk\u00fa nehnute\u013enos\u0165 a v\u010faka tomu mu banka poskytne vy\u0161\u0161\u00ed \u00faver.\u00a0 Ako dofinancova\u0165 hypot\u00e9ku Ak nem\u00e1te vlastn\u00e9 \u00faspory, zvy\u0161n\u00fa \u010das\u0165 k\u00fapnej ceny bytu \u010di domu m\u00f4\u017eete dofinancova\u0165 spotrebn\u00fdm \u00faverom alebo \u00faverom stavebnej sporite\u013ene. Vo\u013eba ide\u00e1lneho rie\u0161enia z\u00e1vis\u00ed hlavne od v\u00e1\u0161ho pr\u00edjmu, ktor\u00fd v\u00e1m banka akceptuje, ale aj od sumy, ktor\u00fa potrebujete dofinancova\u0165. Je rozdiel \u010di ide o 10 a\u017e 20-tis\u00edc eur alebo napr\u00edklad o 40-tis\u00edc eur, ktor\u00e9 formou spotrebn\u00e9ho \u00faveru nedostanete.\u00a0\u00a0 Ak nem\u00e1te dostatok vlastn\u00fdch zdrojov na dofinancovanie, m\u00f4\u017eu v\u00e1m rodi\u010dia pom\u00f4c\u0165 aj\u00a0t\u00fdm, \u017ee bud\u00fa ru\u010di\u0165 v prospech banky aj svojou nehnute\u013enos\u0165ou. Banke tak pon\u00faknete dostato\u010dn\u00fa hodnotu zabezpe\u010denia [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3478,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[199,23,36,28,39],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako dofinancova\u0165 hypot\u00e9ku \u010do najv\u00fdhodnej\u0161ie? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ako dofinancova\u0165 hypot\u00e9ku, ak nem\u00e1te vlastn\u00e9 \u00faspory? 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