{"id":5781,"date":"2022-03-24T12:44:05","date_gmt":"2022-03-24T11:44:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=5781"},"modified":"2023-05-30T12:54:31","modified_gmt":"2023-05-30T10:54:31","slug":"preco-sa-teraz-oplati-hypoteka-s-dlhou-fixaciou","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/preco-sa-teraz-oplati-hypoteka-s-dlhou-fixaciou\/","title":{"rendered":"Pre\u010do sa teraz oplat\u00ed hypot\u00e9ka s dlhou fix\u00e1ciou?"},"content":{"rendered":"\n<p><b>\u00c9re najlacnej\u0161\u00edch hypot\u00e9k odzvonilo. Banky zatia\u013e dvihli \u00farokov\u00e9 sadzby len o p\u00e1r desat\u00edn percenta, ale o rok \u010di o dva m\u00f4\u017eu by\u0165 \u00favery na b\u00fdvanie ove\u013ea drah\u0161ie. Preto s hypot\u00e9kou ne\u010dakajte a zafixujte si <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">s\u00fa\u010dasn\u00e9 \u00faroky<\/a>\u00a0na \u010do najdlh\u0161ie obdobie.<\/b><b> M\u00e1me pre v\u00e1s praktick\u00e9 rady a pr\u00edklady, pre\u010do sa to m\u00f4\u017ee oplati\u0165.\u00a0<\/b><\/p>\n<p><b>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do sa teraz treba zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u010co by ste mali vedie\u0165 o fix\u00e1cii \u00farokovej sadzby<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S va\u0161ou hypot\u00e9kou viete h\u00fdba\u0165 kedyko\u013evek\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ako sa zorientova\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">v ponuk\u00e1ch b\u00e1nk<\/span><\/a><\/li>\n<\/ul>\n<h2><strong><span style=\"color: #ec8124;\">Pre\u010do sa teraz zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou<\/span><\/strong><\/h2>\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">\u00darokov\u00e9 sadzby<\/span><\/a><span style=\"font-weight: 400;\"> na hypot\u00e9kach s\u00fa v s\u00fa\u010dasnosti st\u00e1le ve\u013emi v\u00fdhodn\u00e9. Ale obdobie s n\u00edzkymi \u00farokmi sa pomaly ch\u00fdli ku koncu a preto je ten spr\u00e1vny \u010das, aby ste si aktu\u00e1lne v\u00fdhodn\u00e9 podmienky zafixovali na \u010do <\/span><b>najdlh\u0161ie obdobie.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u201e<\/span><i><span style=\"font-weight: 400;\">Vzh\u013eadom k tomu, \u017ee sa pr\u00e1ve odr\u00e1\u017eame od \u00farokov\u00e9ho dna, je vhodnej\u0161ie siahnu\u0165 po dlh\u0161\u00edch fix\u00e1ci\u00e1ch. Dnes je napr\u00edklad <strong>rozdiel medzi 5- a 10-ro\u010dnou<\/strong> fix\u00e1ciou minim\u00e1lny, av\u0161ak v horizonte p\u00e1r rokov pri predpokladanom raste \u00farokov\u00fdch sadzieb m\u00f4\u017ee by\u0165 vo\u013eba \u010do najdlh\u0161ieho fixu t\u00fdm spr\u00e1vnym rozhodnut\u00edm. Obzvl\u00e1\u0161\u0165 pri vysok\u00fdch objemoch \u00faveru, kde by nav\u00fd\u0161enie \u00faroku napr\u00edklad v horizonte 3 rokov o povedzme 2 a viac % mohlo znamena\u0165 v\u00fdrazn\u00fd rast rodinn\u00fdch n\u00e1kladov,\u201d <\/span><\/i><span style=\"font-weight: 400;\">vysvet\u013euje na\u0161a riadite\u013eka pre \u00favery Eva \u0160ablov\u00e1.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ve\u013ea \u013eud\u00ed teraz zva\u017euje aj to, \u010di si maj\u00fa <\/span><b>pred\u013a\u017ei\u0165 fix\u00e1ciu <\/b><span style=\"font-weight: 400;\">na svojej existuj\u00facej hypot\u00e9ke za cenu vy\u0161\u0161ieho \u00faroku. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Ak k nim patr\u00edte aj vy, viac podrobnost\u00ed s praktick\u00fdmi radami n\u00e1jdete aj <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/fixacia-uroku-na-hypoteke\/\"><span style=\"font-weight: 400;\">v na\u0161om ned\u00e1vnom blogu.<\/span><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co by ste mali vedie\u0165 o dlh\u00fdch fix\u00e1ci\u00e1ch<\/b><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pri dlh\u0161ej fix\u00e1cii m\u00e1te v\u00e4\u010d\u0161iu istotu, \u017ee sa va\u0161a mesa\u010dn\u00e1 spl\u00e1tka nezmen\u00ed \u010fal\u0161\u00edch <\/span><b>7, 10, 15 \u010di 20 rokov<\/b>.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S dlh\u0161ou fix\u00e1ciou si m\u00f4\u017eete <\/span><b>lep\u0161ie pl\u00e1nova\u0165<\/b><span style=\"font-weight: 400;\"> rodinn\u00e9 v\u00fddavky, lebo budete vedie\u0165, \u017ee m\u00e1te spl\u00e1canie tretiny \u00faveru \u201epod kontrolou&#8220;.<\/span><\/li>\n<li>Tento typ fix\u00e1ci\u00ed preferuj\u00fa klienti, ktor\u00ed maj\u00fa radi <strong>stabilitu<\/strong> a z\u00e1rove\u0148 nepl\u00e1nuj\u00fa v bl\u00edzkej dobe meni\u0165 svoje b\u00fdvanie.<\/li>\n<li><span style=\"font-weight: 400;\">Dlh\u0161ie fix\u00e1cie s\u00fa spojen\u00e9<\/span><b> s vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sadzbami<\/b><span style=\"font-weight: 400;\">, ale ich cena je v s\u00fa\u010dasnosti st\u00e1le <\/span><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><span style=\"font-weight: 400;\">ve\u013emi priazniv\u00e1.<\/span><\/a><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>S hypot\u00e9kou viete h\u00fdba\u0165 kedyko\u013evek\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak u\u017e hypot\u00e9ku spl\u00e1cate, myslite na to, \u017ee s \u0148ou m\u00f4\u017eete h\u00fdba\u0165 <\/span><b>aj mimo v\u00fdro\u010dia<\/b><span style=\"font-weight: 400;\"> fix\u00e1cie \u00farokovej sadzby. Toto odpor\u00fa\u010danie plat\u00ed<\/span><span style=\"font-weight: 400;\"> aj pre pred\u013a\u017eenie fix\u00e1cie \u00farokovej sadzby a aj pre <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie\"><b>refinancovanie<\/b><\/a>.<\/span><\/p>\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=\"aligncenter 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;\">Najlep\u0161ie v\u0161ak urob\u00edte, ak sa pri rie\u0161en\u00ed va\u0161ej hypot\u00e9ky porad\u00edte so sk\u00fasen\u00fdm odborn\u00edkom. Aj vzh\u013eadom na va\u0161e \u010fal\u0161ie pl\u00e1ny s\u00favisiace s b\u00fdvan\u00edm v\u00e1m <strong>bezplatne odporu\u010d\u00ed,<\/strong> \u010do sa v\u00e1m teraz oplat\u00ed urobi\u0165.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><strong>TIP: <\/strong><\/span><span style=\"font-weight: 400;\">Finan\u010dn\u00ed sprostredkovatelia<a href=\"https:\/\/www.fingo.sk\/kontakty\"> z FinGO.sk<\/a> patria k t\u00fdm najlep\u0161\u00edm na trhu. Radi v\u00e1m pom\u00f4\u017eu<b> zorientova\u0165 sa v podmienkach<\/b> b\u00e1nk, aby ste pred\u013a\u017een\u00edm fix\u00e1cie alebo refinancovan\u00edm hypot\u00e9ky z\u00edskali \u010do najviac.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na\u0161ich makl\u00e9rov n\u00e1jdete na celom Slovensku a m\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky alebo online. Sta\u010d\u00ed ak n\u00e1m zavol\u00e1te na <strong><a href=\"tel:0800601060\">0800 60 10 60<\/a><\/strong><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m zanech\u00e1te va\u0161e <strong>kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie 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\/5781#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<p>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Nikto z n\u00e1s nedok\u00e1\u017ee predpoveda\u0165, ak\u00e9 \u00farokov\u00e9 sadzby bud\u00fa na hypot\u00e9kach o pol roka alebo o rok. Pri rozhodovan\u00ed v\u00e1m v\u0161ak m\u00f4\u017eu pom\u00f4c\u0165 aj pr\u00edklady a prepo\u010dty <\/span><b>n\u00e1\u0161ho odborn\u00edka Zolt\u00e1na \u010cikesa<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 pripravil v \u010dl\u00e1nku pre <\/span><a href=\"https:\/\/www.forbes.sk\/kedy-sa-oplati-hypoteka-s-dlhou-fixaciou-pozrite-si-niekolko-prikladov\/\"><span style=\"color: #ec8124;\"><b>magaz\u00edn Forbes.<\/b><\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.forbes.sk\/kedy-sa-oplati-hypoteka-s-dlhou-fixaciou-pozrite-si-niekolko-prikladov\/\"><img decoding=\"async\" class=\"aligncenter wp-image-5783\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/03\/forbes-foto.jpg\" alt=\"Zolt\u00e1n \u010cikes Forbes fix\u00e1cia hypot\u00e9ky\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/03\/forbes-foto.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/03\/forbes-foto-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/03\/forbes-foto-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/03\/forbes-foto-768x512.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9re najlacnej\u0161\u00edch hypot\u00e9k odzvonilo. Banky zatia\u013e dvihli \u00farokov\u00e9 sadzby len o p\u00e1r desat\u00edn percenta, ale o rok \u010di o dva m\u00f4\u017eu by\u0165 \u00favery na b\u00fdvanie ove\u013ea drah\u0161ie. Preto s hypot\u00e9kou ne\u010dakajte a zafixujte si s\u00fa\u010dasn\u00e9 \u00faroky\u00a0na \u010do najdlh\u0161ie obdobie. M\u00e1me pre v\u00e1s praktick\u00e9 rady a pr\u00edklady, pre\u010do sa to m\u00f4\u017ee oplati\u0165.\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate: Pre\u010do sa teraz treba zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou \u010co by ste mali vedie\u0165 o fix\u00e1cii \u00farokovej sadzby S va\u0161ou hypot\u00e9kou viete h\u00fdba\u0165 kedyko\u013evek\u00a0 Ako sa zorientova\u0165 v ponuk\u00e1ch b\u00e1nk Pre\u010do sa teraz zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou \u00darokov\u00e9 sadzby na hypot\u00e9kach s\u00fa v s\u00fa\u010dasnosti st\u00e1le ve\u013emi v\u00fdhodn\u00e9. Ale obdobie s n\u00edzkymi \u00farokmi sa pomaly ch\u00fdli ku koncu a preto je ten spr\u00e1vny \u010das, aby ste si aktu\u00e1lne v\u00fdhodn\u00e9 podmienky zafixovali na \u010do najdlh\u0161ie obdobie.\u00a0 \u201eVzh\u013eadom k tomu, \u017ee sa pr\u00e1ve odr\u00e1\u017eame od \u00farokov\u00e9ho dna, je vhodnej\u0161ie siahnu\u0165 po dlh\u0161\u00edch fix\u00e1ci\u00e1ch. Dnes je napr\u00edklad rozdiel medzi 5- a 10-ro\u010dnou fix\u00e1ciou minim\u00e1lny, av\u0161ak v horizonte p\u00e1r rokov pri predpokladanom raste \u00farokov\u00fdch sadzieb m\u00f4\u017ee by\u0165 vo\u013eba \u010do najdlh\u0161ieho fixu t\u00fdm spr\u00e1vnym rozhodnut\u00edm. Obzvl\u00e1\u0161\u0165 pri vysok\u00fdch objemoch \u00faveru, kde by nav\u00fd\u0161enie \u00faroku napr\u00edklad v horizonte 3 rokov o povedzme 2 a viac % mohlo znamena\u0165 v\u00fdrazn\u00fd rast rodinn\u00fdch n\u00e1kladov,\u201d vysvet\u013euje [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":5787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[30,36,78,20],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pre\u010do sa teraz oplat\u00ed hypot\u00e9ka s dlhou fix\u00e1ciou? - FinGO.sk<\/title>\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\/preco-sa-teraz-oplati-hypoteka-s-dlhou-fixaciou\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre\u010do sa teraz oplat\u00ed hypot\u00e9ka s dlhou fix\u00e1ciou? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"\u00c9re najlacnej\u0161\u00edch hypot\u00e9k odzvonilo. Banky zatia\u013e dvihli \u00farokov\u00e9 sadzby len o p\u00e1r desat\u00edn percenta, ale o rok \u010di o dva m\u00f4\u017eu by\u0165 \u00favery na b\u00fdvanie ove\u013ea drah\u0161ie. Preto s hypot\u00e9kou ne\u010dakajte a zafixujte si s\u00fa\u010dasn\u00e9 \u00faroky\u00a0na \u010do najdlh\u0161ie obdobie. M\u00e1me pre v\u00e1s praktick\u00e9 rady a pr\u00edklady, pre\u010do sa to m\u00f4\u017ee oplati\u0165.\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate: Pre\u010do sa teraz treba zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou \u010co by ste mali vedie\u0165 o fix\u00e1cii \u00farokovej sadzby S va\u0161ou hypot\u00e9kou viete h\u00fdba\u0165 kedyko\u013evek\u00a0 Ako sa zorientova\u0165 v ponuk\u00e1ch b\u00e1nk Pre\u010do sa teraz zamyslie\u0165 nad dlh\u0161ou fix\u00e1ciou \u00darokov\u00e9 sadzby na hypot\u00e9kach s\u00fa v s\u00fa\u010dasnosti st\u00e1le ve\u013emi v\u00fdhodn\u00e9. Ale obdobie s n\u00edzkymi \u00farokmi sa pomaly ch\u00fdli ku koncu a preto je ten spr\u00e1vny \u010das, aby ste si aktu\u00e1lne v\u00fdhodn\u00e9 podmienky zafixovali na \u010do najdlh\u0161ie obdobie.\u00a0 \u201eVzh\u013eadom k tomu, \u017ee sa pr\u00e1ve odr\u00e1\u017eame od \u00farokov\u00e9ho dna, je vhodnej\u0161ie siahnu\u0165 po dlh\u0161\u00edch fix\u00e1ci\u00e1ch. Dnes je napr\u00edklad rozdiel medzi 5- a 10-ro\u010dnou fix\u00e1ciou minim\u00e1lny, av\u0161ak v horizonte p\u00e1r rokov pri predpokladanom raste \u00farokov\u00fdch sadzieb m\u00f4\u017ee by\u0165 vo\u013eba \u010do najdlh\u0161ieho fixu t\u00fdm spr\u00e1vnym rozhodnut\u00edm. 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