{"id":6949,"date":"2022-12-06T15:41:38","date_gmt":"2022-12-06T14:41:38","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=6949"},"modified":"2023-11-29T12:22:24","modified_gmt":"2023-11-29T11:22:24","slug":"konci-vam-fixacia-o-jeden-ci-dva-roky-mame-tipy-ako-si-znizite-buduce-splatky-hypoteky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/konci-vam-fixacia-o-jeden-ci-dva-roky-mame-tipy-ako-si-znizite-buduce-splatky-hypoteky\/","title":{"rendered":"Bl\u00ed\u017ei sa v\u00e1m koniec fix\u00e1cie hypot\u00e9ky? Porad\u00edme v\u00e1m, \u010do \u010falej!"},"content":{"rendered":"\n<p><strong>\u00daroky na hypot\u00e9kach neust\u00e1le rast\u00fa a \u013eudia sa za\u010d\u00ednaj\u00fa pripravova\u0165 na vy\u0161\u0161ie spl\u00e1tky. Aj vy prem\u00fd\u0161\u013eate, \u010do bude s va\u0161im \u00faverom? Zv\u00fd\u0161en\u00fdm n\u00e1kladom sa u\u017e zrejme nevyhnete, viete sa v\u0161ak na najbli\u017e\u0161ie roky pripravi\u0165 tak, aby pre v\u00e1s spl\u00e1canie hypot\u00e9ky nebolo tak\u00e9 bolestiv\u00e9. Pon\u00fakame v\u00e1m nieko\u013eko tipov, ako na to.<\/strong><\/p>\n<p><b>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/b><\/p>\n<ul>\n<li>Ako si zn\u00ed\u017ei\u0165 bud\u00face spl\u00e1tky, hoci sa v\u00e1m kon\u010d\u00ed fix\u00e1cia \u00faroku a\u017e o nieko\u013eko mesiacov<\/li>\n<li aria-level=\"1\">Pr\u00edklady, o ko\u013eko sa v\u00e1m zv\u00fd\u0161ia mesa\u010dn\u00e9 spl\u00e1tky kv\u00f4li zdra\u017eovaniu hypot\u00e9k<\/li>\n<li aria-level=\"1\">Ak\u00e1 d\u013a\u017eka fix\u00e1cie je v s\u00fa\u010dasnosti najv\u00fdhodnej\u0161ia<\/li>\n<li aria-level=\"1\">Ak\u00e9 s\u00fa v\u00fdhody a nev\u00fdhody pred\u013a\u017eenia splatnosti hypotek\u00e1rneho \u00faveru<\/li>\n<li aria-level=\"1\">Pre\u010do sa pred rozhodnut\u00edm o \u010fal\u0161om kroku poradi\u0165 s odborn\u00edkmi <a class=\"c-link\" tabindex=\"-1\" href=\"https:\/\/www.fingo.sk\/kontakty\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"http:\/\/FinGO.sk\" data-sk=\"tooltip_parent\" data-remove-tab-index=\"true\">FinGO.sk<\/a><\/li>\n<\/ul>\n<p>Odborn\u00edci avizuj\u00fa, \u017ee vysok\u00e9 \u00farokov\u00e9 sadzby n\u00e1s e\u0161te nejak\u00fd \u010das bud\u00fa sprev\u00e1dza\u0165. V hor\u0161om pr\u00edpade mierne porast\u00fa, v tom lep\u0161om bud\u00fa stagnova\u0165.<\/p>\n<p>V ka\u017edom pr\u00edpade, na \u00faroky, ktor\u00e9 boli e\u0161te za\u010diatkom roku 2022 ni\u017e\u0161ie ako jedno percento, m\u00f4\u017eete zabudn\u00fa\u0165. Aj v tejto situ\u00e1cii sa v\u0161ak d\u00e1 urobi\u0165 nieko\u013eko krokov, ktor\u00e9 v\u00e1m dok\u00e1\u017eu v bud\u00facnosti zmierni\u0165 rast n\u00e1kladov na b\u00fdvanie.<\/p>\n<p>Prin\u00e1\u0161ame v\u00e1m nieko\u013eko r\u00e1d, ktor\u00e9 sa t\u00fdkaj\u00fa r\u00f4znych situ\u00e1ci\u00ed.\u00a0<\/p>\n<h2><span style=\"color: #ec8124;\"><b>Bl\u00ed\u017ei sa v\u00e1m koniec fix\u00e1cie hypot\u00e9ky? M\u00e1me typ, ako si zn\u00ed\u017eite bud\u00face spl\u00e1tky hypot\u00e9ky<\/b><\/span><\/h2>\n<p>Ak sa v\u00e1m kon\u010d\u00ed fix\u00e1cia \u00farokovej sadzby na hypot\u00e9ke o nieko\u013eko mesiacov, m\u00f4\u017eete si vybavi\u0165 nov\u00e9 podmienky u\u017e teraz. Je toti\u017e pravdepodobn\u00e9, \u017ee sadzby v roku 2024 nebud\u00fa v\u00fdhodnej\u0161ie ako tie aktu\u00e1lne.<\/p>\n<p>Ako na to? Urobte si <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie\" target=\"_blank\" rel=\"noopener\">prieskum trhu<\/a> a v banke s najv\u00fdhodnej\u0161ou ponukou si nechajte schv\u00e1li\u0165 refinan\u010dn\u00fa hypot\u00e9ku so s\u00fa\u010dasn\u00fdmi \u00farokmi u\u017e 6 mesiacov pred v\u00fdro\u010d\u00edm fix\u00e1cie p\u00f4vodnej hypot\u00e9ky. Po podpise zmluvy m\u00e1te polrok na \u010derpanie \u00faveru.<\/p>\n<blockquote>\n<p>V niektor\u00fdch bank\u00e1ch je toto rie\u0161enie dokonca mo\u017en\u00e9 aj 12 mesiacov dopredu.<\/p>\n<\/blockquote>\n<p>T\u00fdmto sp\u00f4sobom si m\u00f4\u017eete ponecha\u0165 svoju p\u00f4vodn\u00fa n\u00edzku \u00farokov\u00fa sadzbu do konca obdobia fix\u00e1cie a vyhnete sa pokute za pred\u010dasn\u00e9 splatenie. Ak v \u010dase v\u00fdro\u010dia fix\u00e1cie pr\u00edde va\u0161a p\u00f4vodn\u00e1 banka s lep\u0161ou ponukou, jednoducho neza\u010dnete \u010derpa\u0165 nov\u00fd \u00faver v inej banke a budete pokra\u010dova\u0165 v spl\u00e1can\u00ed p\u00f4vodnej hypot\u00e9ky.<\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">TIP:<\/span> <\/span>V pobo\u010dke svojej banky si m\u00f4\u017eete sk\u00fasi\u0165 vyjedna\u0165 e\u0161te lep\u0161ie podmienky ako dostanete v refixa\u010dnom liste. Hlavne ak ste akt\u00edvnym klientom, banka o v\u00e1s nebude chcie\u0165 pr\u00eds\u0165 a mo\u017eno sa v\u00e1m podar\u00ed nov\u00fd \u00farok e\u0161te zn\u00ed\u017ei\u0165.<\/p>\n<h2><span style=\"color: #ec8124;\"><b>Koniec fix\u00e1cie hypot\u00e9ky nastane a\u017e o nieko\u013eko rokov. Je lep\u0161ie refinancova\u0165 alebo rad\u0161ej nerobi\u0165 ni\u010d?<\/b><\/span><\/h2>\n<p>V\u00fdvoj \u00farokov v komer\u010dn\u00fdch bank\u00e1ch je ve\u013emi nejasn\u00fd a nikto nevie predikova\u0165, ako sa bude hypotek\u00e1rny trh vyv\u00edja\u0165 v \u010fal\u0161\u00edch rokoch. Viacer\u00e9 banky pon\u00fakaj\u00fa mo\u017enos\u0165 \u00fapravy zmluvn\u00fdch podmienok hypot\u00e9ky aj mimo v\u00fdro\u010dia fix\u00e1cie. Ak m\u00e1te obavy, \u017ee sa situ\u00e1cia bude dlhodobo zhor\u0161ova\u0165, m\u00f4\u017eete si zmeni\u0165 viazanos\u0165 \u00faroku na existuj\u00facej hypot\u00e9ke a stabilizova\u0165 tak v\u00fd\u0161ku spl\u00e1tky na dlh\u0161ie obdobie. Bohu\u017eia\u013e, moment\u00e1lne u\u017e len za cenu vy\u0161\u0161ieho \u00faroku.<\/p>\n<blockquote>\n<p>Ale ak m\u00e1te na viac ako rok zafixovan\u00fd \u00farok okolo 1 %, tak si dobre zv\u00e1\u017ete, \u010di sa v\u00e1m oplat\u00ed vzda\u0165 sa ho a okam\u017eite si zv\u00fd\u0161i\u0165 mesa\u010dn\u00fa spl\u00e1tku.<\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">TIP:<\/span> <\/span>Lep\u0161\u00edm rie\u0161en\u00edm m\u00f4\u017ee by\u0165, ak si <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\" target=\"_blank\" rel=\"noopener\">prepo\u010d\u00edtate<\/a> s\u00fa\u010dasn\u00fa spl\u00e1tku s oh\u013eadom na aktu\u00e1lne ponuky \u00farokov a sumu, o ktor\u00fa sa v\u00e1m pravdepodobne zv\u00fd\u0161i spl\u00e1tka hypot\u00e9ky, si za\u010dnete cielene <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-ochranite-vase-peniaze-pred-inflaciou\/\" target=\"_blank\" rel=\"noopener\">odklada\u0165<\/a>. Vytvor\u00edte si tak n\u00e1vyk na hor\u0161ie obdobie s drah\u0161ou spl\u00e1tkou. Koniec fix\u00e1cie hypot\u00e9ky toti\u017e m\u00f4\u017ee znamena\u0165 aj za\u010diatok vy\u0161\u0161\u00edch spl\u00e1tok. Takto u\u0161etren\u00e9 prostriedky m\u00f4\u017eete v bud\u00facnosti pou\u017ei\u0165 na zn\u00ed\u017eenie dlhu a korekciu mesa\u010dnej spl\u00e1tky. Z\u00e1rove\u0148 u\u017e dnes svoj rodinn\u00fd rozpo\u010det priprav\u00edte na to, \u010do v\u00e1s m\u00f4\u017ee \u010daka\u0165 po \u00faprave \u00farokovej sadzby.<\/p>\n<p><em>Ak chcete za\u010da\u0165 s investovan\u00edm, pre\u010d\u00edtajte si najprv blog <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\"><strong>Investovanie pe\u0148az\u00ed v roku 2023: Rady pre za\u010d\u00ednaj\u00facich investorov<\/strong><\/a><\/em><\/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=\"alignnone wp-image-6819 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pr\u00edklady: Ako sa m\u00f4\u017eu zmeni\u0165 spl\u00e1tky hypot\u00e9ky?<\/b><\/span><\/h2>\n<p>V nasleduj\u00facich pr\u00edkladoch si m\u00f4\u017eete pozrie\u0165, ako sa zv\u00fd\u0161ia mesa\u010dn\u00e9 spl\u00e1tky pri hypot\u00e9ke 50 000 \u20ac, 100 000 \u20ac alebo 200 000 \u20ac so splatnos\u0165ou 20 rokov, v pr\u00edpade novej \u00farokovej sadzby vo v\u00fd\u0161ke 4,3 %.<\/p>\n<table style=\"height: 92px; width: 100%; border-collapse: collapse; border-style: solid;\"><caption><strong>Zostatok hypot\u00e9ky 50 000 \u20ac<\/strong><\/caption>\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00fd \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00e1 spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lny \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lna spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Nav\u00fd\u0161enie spl\u00e1tky<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">0,8 %<\/td>\n<td style=\"width: 20%; height: 23px;\">226 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">311 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 85 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1 %<\/td>\n<td style=\"width: 20%; height: 23px;\">230 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">311 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 81 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1,2 %<\/td>\n<td style=\"width: 20%; height: 23px;\">234 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">311 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 77 \u20ac<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table style=\"height: 92px; width: 100%; border-collapse: collapse; border-style: solid;\"><caption><strong>Zostatok hypot\u00e9ky 100 000 \u20ac<\/strong><\/caption>\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00fd \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00e1 spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lny \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lna spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Nav\u00fd\u0161enie spl\u00e1tky<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">0,8 %<\/td>\n<td style=\"width: 20%; height: 23px;\">451 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">622 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 171 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1 %<\/td>\n<td style=\"width: 20%; height: 23px;\">460 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">622 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 162 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1,2 %<\/td>\n<td style=\"width: 20%; height: 23px;\">469 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">622 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 153 \u20ac<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table style=\"height: 92px; width: 100%; border-collapse: collapse; border-style: solid;\"><caption><strong>Zostatok hypot\u00e9ky 200 000 \u20ac<\/strong><\/caption>\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00fd \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">P\u00f4vodn\u00e1 spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lny \u00farok<\/td>\n<td style=\"width: 20%; height: 23px;\">Aktu\u00e1lna spl\u00e1tka<\/td>\n<td style=\"width: 20%; height: 23px;\">Nav\u00fd\u0161enie spl\u00e1tky<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">0,8 %<\/td>\n<td style=\"width: 20%; height: 23px;\">902 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">1244 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 342 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1 %<\/td>\n<td style=\"width: 20%; height: 23px;\">920 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">1244 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 324 \u20ac<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 20%; height: 23px;\">1,2 %<\/td>\n<td style=\"width: 20%; height: 23px;\">938 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\">4,3 %<\/td>\n<td style=\"width: 20%; height: 23px;\">1244 \u20ac<\/td>\n<td style=\"width: 20%; height: 23px;\"><strong>+ 306 \u20ac<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00fa dlh\u00fa fix\u00e1ciu si zvoli\u0165, ak pr\u00e1ve rie\u0161ite hypot\u00e9ku?<\/b><\/span><\/h2>\n<p>Ak si pr\u00e1ve vybavujete nov\u00fa hypot\u00e9ku, rie\u0161ite zrejme nasleduj\u00facu dilemu. Zafixova\u0165 si rad\u0161ej aktu\u00e1lny \u00farok na krat\u0161ie obdobie alebo rad\u0161ej plati\u0165 viac a zabezpe\u010di\u0165 si nemennos\u0165 spl\u00e1tky na dlh\u0161ie obdobie?<\/p>\n<p>Vo\u013eba fix\u00e1cie je individu\u00e1lna z\u00e1le\u017eitos\u0165 a mala by by\u0165 posudzovan\u00e1 vzh\u013eadom na konkr\u00e9tne pl\u00e1ny ka\u017ed\u00e9ho \u010dloveka. Ak je pre v\u00e1s k\u013e\u00fa\u010dov\u00e9 plati\u0165 \u010do najni\u017e\u0161ie spl\u00e1tky, budete spokojnej\u0161\u00ed s trojro\u010dnou fix\u00e1ciou. Naopak, ak je pre v\u00e1s d\u00f4le\u017eitej\u0161ia istota, rad\u0161ej si zvo\u013ete p\u00e4\u0165ro\u010dn\u00fa viazanos\u0165.<\/p>\n<p>V niektor\u00fdch bank\u00e1ch s\u00fa v s\u00fa\u010dasnosti dokonca \u00faroky pri troj aj p\u00e4\u0165ro\u010dnej fix\u00e1cii rovnak\u00e9, tak\u017ee je len na v\u00e1s, na ak\u00fa dobu chcete ma\u0165 istotu nemennej spl\u00e1tky. Kedy sa op\u00e4\u0165 oto\u010d\u00ed trend v\u00fdvoja \u00farokov\u00fdch sadzieb, je toti\u017e st\u00e1le ot\u00e1zne.<\/p>\n<h2><span style=\"color: #ec8124;\"><b>Je v s\u00fa\u010dasnosti v\u00fdhodn\u00e9 skr\u00e1ti\u0165 alebo pred\u013a\u017ei\u0165 dobu spl\u00e1cania hypot\u00e9ky?<\/b><\/span><\/h2>\n<p>Ve\u013ea \u013eud\u00ed s cie\u013eom zn\u00ed\u017ei\u0165 svoje mesa\u010dn\u00e9 spl\u00e1tky a u\u0161etri\u0165 prem\u00fd\u0161\u013ea aj nad t\u00fdm, \u017ee by si natiahli spl\u00e1canie svojej hypot\u00e9ky na viac rokov.<\/p>\n<p>Pred\u013a\u017een\u00edm doby splatnosti si viete zn\u00ed\u017ei\u0165 mesa\u010dn\u00e9 spl\u00e1tky, av\u0161ak celkovo za \u00faver zaplat\u00edte viac. Rozhodnutie teda do ve\u013ekej miery z\u00e1vis\u00ed od va\u0161ej aktu\u00e1lnej finan\u010dnej situ\u00e1cie. V \u010dase <a href=\"https:\/\/www.fingo.sk\/blog\/co-je-to-inflacia-a-ako-nad-nou-vyhrat\/\" target=\"_blank\" rel=\"noopener\">vysokej infl\u00e1cie<\/a> v\u0161ak dlh\u0161ie spl\u00e1canie \u00faveru nie je zl\u00e1 strat\u00e9gia, ke\u010f\u017ee z neho ukrajuje aj samotn\u00e1 infl\u00e1cia.<\/p>\n<blockquote>\n<p>Ak sa chcete zbavi\u0165 \u00faveru \u010do najsk\u00f4r, m\u00f4\u017eete vyu\u017ei\u0165 aj mo\u017enos\u0165 mimoriadnych spl\u00e1tok. K nim by ste v\u0161ak mali prist\u00fapi\u0165 len vtedy, ke\u010f u\u017e m\u00e1te vytvoren\u00fa dostato\u010dne ve\u013ek\u00fa finan\u010dn\u00fa rezervu.<\/p>\n<\/blockquote>\n<p>Sk\u00f4r ne\u017e urob\u00edte ak\u00e9ko\u013evek rozhodnutie, odpor\u00fa\u010dame v\u00e1m najsk\u00f4r sa poradi\u0165 s odborn\u00edkom. <span style=\"font-weight: 400;\">Na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">z FinGO.sk<\/span><\/a><span style=\"font-weight: 400;\"> n\u00e1jdete na celom Slovensku.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky \u010di online. Zavolajte n\u00e1m na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a><\/span><span style=\"font-weight: 400;\"> alebo n\u00e1m zanechajte kontakt vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/6949#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","protected":false},"excerpt":{"rendered":"<p>\u00daroky na hypot\u00e9kach neust\u00e1le rast\u00fa a \u013eudia sa za\u010d\u00ednaj\u00fa pripravova\u0165 na vy\u0161\u0161ie spl\u00e1tky. Aj vy prem\u00fd\u0161\u013eate, \u010do bude s va\u0161im \u00faverom? Zv\u00fd\u0161en\u00fdm n\u00e1kladom sa u\u017e zrejme nevyhnete, viete sa v\u0161ak na najbli\u017e\u0161ie roky pripravi\u0165 tak, aby pre v\u00e1s spl\u00e1canie hypot\u00e9ky nebolo tak\u00e9 bolestiv\u00e9. Pon\u00fakame v\u00e1m nieko\u013eko tipov, ako na to. V \u010dl\u00e1nku sa do\u010d\u00edtate: Ako si zn\u00ed\u017ei\u0165 bud\u00face spl\u00e1tky, hoci sa v\u00e1m kon\u010d\u00ed fix\u00e1cia \u00faroku a\u017e o nieko\u013eko mesiacov Pr\u00edklady, o ko\u013eko sa v\u00e1m zv\u00fd\u0161ia mesa\u010dn\u00e9 spl\u00e1tky kv\u00f4li zdra\u017eovaniu hypot\u00e9k Ak\u00e1 d\u013a\u017eka fix\u00e1cie je v s\u00fa\u010dasnosti najv\u00fdhodnej\u0161ia Ak\u00e9 s\u00fa v\u00fdhody a nev\u00fdhody pred\u013a\u017eenia splatnosti hypotek\u00e1rneho \u00faveru Pre\u010do sa pred rozhodnut\u00edm o \u010fal\u0161om kroku poradi\u0165 s odborn\u00edkmi FinGO.sk Odborn\u00edci avizuj\u00fa, \u017ee vysok\u00e9 \u00farokov\u00e9 sadzby n\u00e1s e\u0161te nejak\u00fd \u010das bud\u00fa sprev\u00e1dza\u0165. V hor\u0161om pr\u00edpade mierne porast\u00fa, v tom lep\u0161om bud\u00fa stagnova\u0165. V ka\u017edom pr\u00edpade, na \u00faroky, ktor\u00e9 boli e\u0161te za\u010diatkom roku 2022 ni\u017e\u0161ie ako jedno percento, m\u00f4\u017eete zabudn\u00fa\u0165. Aj v tejto situ\u00e1cii sa v\u0161ak d\u00e1 urobi\u0165 nieko\u013eko krokov, ktor\u00e9 v\u00e1m dok\u00e1\u017eu v bud\u00facnosti zmierni\u0165 rast n\u00e1kladov na b\u00fdvanie. Prin\u00e1\u0161ame v\u00e1m nieko\u013eko r\u00e1d, ktor\u00e9 sa t\u00fdkaj\u00fa r\u00f4znych situ\u00e1ci\u00ed.\u00a0 Bl\u00ed\u017ei sa v\u00e1m koniec fix\u00e1cie hypot\u00e9ky? M\u00e1me typ, ako si zn\u00ed\u017eite bud\u00face spl\u00e1tky hypot\u00e9ky Ak sa v\u00e1m kon\u010d\u00ed fix\u00e1cia \u00farokovej sadzby na hypot\u00e9ke o nieko\u013eko [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5],"tags":[23,263,36,229],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bl\u00ed\u017ei sa v\u00e1m koniec fix\u00e1cie hypot\u00e9ky? Porad\u00edme v\u00e1m, \u010do \u010falej! - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete sa na najbli\u017e\u0161ie roky pripravi\u0165 tak, aby pre v\u00e1s spl\u00e1canie hypot\u00e9ky nebolo tak\u00e9 bolestiv\u00e9? 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Porad\u00edme v\u00e1m, \u010do \u010falej!"}]},{"@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\/6949"}],"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=6949"}],"version-history":[{"count":55,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/6949\/revisions"}],"predecessor-version":[{"id":8294,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/6949\/revisions\/8294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/6980"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=6949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=6949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=6949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}