{"id":7227,"date":"2023-03-28T16:28:46","date_gmt":"2023-03-28T14:28:46","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7227"},"modified":"2023-04-12T11:27:59","modified_gmt":"2023-04-12T09:27:59","slug":"hypoteky-su-sice-drahsie-ale-stale-su-vyhodnejsie-ako-podnajom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/hypoteky-su-sice-drahsie-ale-stale-su-vyhodnejsie-ako-podnajom\/","title":{"rendered":"Hypot\u00e9ky s\u00fa s\u00edce drah\u0161ie, ale st\u00e1le s\u00fa v\u00fdhodnej\u0161ie ako podn\u00e1jom"},"content":{"rendered":"\n<p><strong>Vzia\u0165 si ju \u010di nevzia\u0165? Mo\u017eno aj vy prem\u00fd\u0161\u013eate nad t\u00fdm \u010di sa moment\u00e1lne oplat\u00ed z\u00e1js\u0165 do banky a po\u017eiada\u0165 o hypot\u00e9ku. Minul\u00fd rok sme sa rozl\u00fa\u010dili s \u00e9rou superlacn\u00fdch \u00farokov a vst\u00fapili sme do obdobia vy\u0161\u0161\u00edch spl\u00e1tok. Pod\u013ea riadite\u013eky pre \u00favery vo FinGO.sk Evy \u0160ablovej v\u0161ak drah\u0161ie hypot\u00e9ky netreba bra\u0165 a\u017e tak tragicky. Z dlhodob\u00e9ho h\u013eadiska s\u00fa st\u00e1le v\u00fdhodn\u00e9, uv\u00e1dza v rozhovore.<\/strong><\/p>\n<p><strong>V rozhovore sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>Ako z\u00edska\u0165 v\u00fdhodn\u00fa hypot\u00e9ku?<\/li>\n<li>Oplat\u00ed sa viac hypot\u00e9ka alebo podn\u00e1jom?<\/li>\n<li>Maj\u00fa dnes mlad\u00ed \u013eudia \u0161ancu z\u00edska\u0165 hypot\u00e9ku?&nbsp;<\/li>\n<li>Ako z\u00edska\u0165 dodato\u010dn\u00e9 zdroje?<\/li>\n<li>Ak\u00e9 vysok\u00e9 \u00faroky n\u00e1s \u010dakaj\u00fa?<\/li>\n<li>Na ak\u00e9 obdobie si zafixova\u0165 \u00farok?<\/li>\n<\/ul>\n<h4><span style=\"color: #ff9900;\"><strong>Spam\u00e4tali sa u\u017e Slov\u00e1ci z vy\u0161\u0161\u00edch \u00farokov na hypot\u00e9kach?<\/strong><\/span><\/h4>\n<p>Je pravdou, \u017ee prudk\u00fd rast sadzieb v minulom roku sp\u00f4sobil \u0161ok, no \u013eudia sa z neho postupne spam\u00e4t\u00e1vaj\u00fa. Rok 2022 bude zap\u00edsan\u00fd ako rok, kedy definit\u00edvne skon\u010dila \u00e9ra superlacn\u00fdch hypot\u00e9k. Treba v\u0161ak doda\u0165, \u017ee \u00faroky pod 1 % boli skuto\u010dne ve\u013ek\u00fdm ne\u0161tandardom. Extr\u00e9mne lacn\u00e9 hypot\u00e9ky neboli dlhodobo udr\u017eate\u013en\u00e9.<\/p>\n<h4><span style=\"color: #ff9900;\"><strong>Tak\u017ee dne\u0161n\u00e9 \u00faroky nem\u00e1me bra\u0165 a\u017e tak tragicky?<\/strong><\/span><\/h4>\n<p>Vy\u0161\u0161ie \u00faroky by sme nemali vn\u00edma\u0165 len negat\u00edvne. Z dlhodob\u00e9ho h\u013eadiska ide o norm\u00e1lny jav, ke\u010f\u017ee v ur\u010dit\u00fdch \u010dasov\u00fdch intervaloch \u00faroky rast\u00fa a po \u010dase op\u00e4\u0165 d\u00f4jde k zmene trendu a ich poklesu. Ke\u010f\u017ee hypot\u00e9ky sa obvykle poskytuj\u00fa na dlh\u00e9 obdobie, v\u00e4\u010d\u0161inou na 30 rokov, s\u00fa\u010dasn\u00e1 \u00farove\u0148 sadzieb okolo 3,5 % &#8211; 4,5 % dosahuje priemern\u00fa v\u00fd\u0161ku. To znamen\u00e1, \u017ee ide o pomerne zdrav\u00e9 a \u0161tandardn\u00e9 \u00faroky. Je pravda, \u017ee na \u00faver sa dnes <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">kvalifikuje menej \u013eud\u00ed<\/a>, no hypot\u00e9ku by nemal dosta\u0165 ka\u017ed\u00fd, kto si na \u0148u pomysl\u00ed. Obzvl\u00e1\u0161\u0165 to plat\u00ed v \u010dasoch, kedy rast miezd nekore\u0161ponduje s plo\u0161n\u00fdm rastom cien vyjadren\u00fdch infl\u00e1ciou.<\/p>\n<p>&nbsp;<\/p>\n<div class=\"flourish-embed\" data-src=\"visualisation\/13251725\"><script src=https:\/\/public.flourish.studio\/resources\/embed.js><\/script><\/div>\n<h4><strong><span style=\"color: #ff9900;\">No maj\u00fa dnes napr\u00edklad mlad\u00ed \u013eudia v\u00f4bec \u0161ancu financova\u0165 \u00faverom vlastn\u00e9 b\u00fdvanie?<\/span><\/strong><\/h4>\n<p>Mlad\u00ed, ktor\u00ed len za\u010dali pracova\u0165 a nemaj\u00fa dostato\u010dn\u00fd pr\u00edjem, maj\u00fa v\u00fdrazne s\u0165a\u017een\u00fa cestu k vlastn\u00e9mu b\u00fdvaniu. Je celkom re\u00e1lne, \u017ee im banka pri s\u00fa\u010dasn\u00fdch \u00farokoch neposkytne dostato\u010dn\u00fa v\u00fd\u0161ku \u00faveru. S\u00favis\u00ed to aj s v\u00fdrazne drah\u0161\u00edmi nehnute\u013enos\u0165ami.<\/p>\n<h4><span style=\"color: #ff9900;\"><strong>M\u00f4\u017eete by\u0165 konkr\u00e9tnej\u0161ia?<\/strong><\/span><\/h4>\n<p>Ceny nehnute\u013enost\u00ed v posledn\u00fdch rokoch r\u00e1stli v\u00fdrazne r\u00fdchlej\u0161ie ako priemern\u00e9 pr\u00edjmy obyvate\u013estva, od ktor\u00fdch sa odv\u00edja maxim\u00e1lna v\u00fd\u0161ka \u00faveru. A ak mlad\u00ed \u013eudia nemaj\u00fa \u010di u\u017e sami alebo v\u010faka rodi\u010dom na\u0161etren\u00e9 na \u0161tart do \u017eivota, ich situ\u00e1cia s hypot\u00e9kou sa komplikuje e\u0161te viac. Na zaobstaranie vlastn\u00e9ho b\u00fdvania potrebuj\u00fa finan\u010dn\u00fd obnos aspo\u0148 vo v\u00fd\u0161ke 20 % z ceny nehnute\u013enosti.<\/p>\n<h4><strong><span style=\"color: #ff9900;\">T\u00fdchto 20 % pri dne\u0161n\u00fdch cen\u00e1ch real\u00edt nie je m\u00e1lo a v\u00e4\u010d\u0161ina mlad\u00fdch ich zrejme nem\u00e1. \u010co im vtedy rad\u00edte?<\/span><\/strong><\/h4>\n<p>Ak na dofinancovanie nemaj\u00fa vlastn\u00e9 peniaze a z pr\u00edjmu by im nevy\u0161iel \u010fal\u0161\u00ed \u00faver na dofinancovanie, m\u00f4\u017eu vyu\u017ei\u0165 pomoc rodi\u010dov. T\u00ed m\u00f4\u017eu pri \u00favere ru\u010di\u0165 aj svojou nehnute\u013enos\u0165ou, pokia\u013e u\u017e nie je v plnej hodnote za\u0165a\u017een\u00e1 inou hypot\u00e9kou. T\u00fdmto sp\u00f4sobom vedia mlad\u00ed z\u00edska\u0165 viac pe\u0148az\u00ed, ktor\u00e9 m\u00f4\u017eu pokry\u0165 cel\u00fa k\u00fapnu cenu a niekedy aj potrebn\u00fa rekon\u0161trukciu \u010di zariadenie nov\u00e9ho b\u00fdvania.<\/p>\n<h4><strong><span style=\"color: #ff9900;\">Ak sa to podar\u00ed, st\u00e1le sa v s\u00fa\u010dasnosti oplat\u00ed viac hypot\u00e9ka ako podn\u00e1jom?<\/span><\/strong><\/h4>\n<p>Pod\u013ea m\u00f4jho n\u00e1zoru zdra\u017eovanie hypot\u00e9k nem\u00e1 z\u00e1sadn\u00fd vplyv na rozhodnutie \u010di \u00eds\u0165 rad\u0161ej do podn\u00e1jmu alebo si k\u00fapi\u0165 na \u00faver vlastn\u00fa nehnute\u013enos\u0165. Podstatn\u00e9 je, \u010di m\u00e1 \u00eds\u0165 o trval\u00e9 b\u00fdvanie, ktor\u00e9 m\u00e1 vyrie\u0161i\u0165 ot\u00e1zku b\u00fdvania pre jednotlivca \u010di rodinu, alebo len o do\u010dasn\u00e9 b\u00fdvanie napr\u00edklad kv\u00f4li zamestnaniu. V\u00e4\u010d\u0161inou len vtedy \u013eudia uva\u017euj\u00fa, \u010di sa im <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\">oplat\u00ed rie\u0161i\u0165 hypot\u00e9ku<\/a>. Pokia\u013e si \u010dlovek pl\u00e1nuje dlhodobo zabezpe\u010di\u0165 vlastn\u00e9 b\u00fdvanie a hypot\u00e9ka mu z pr\u00edjmu vych\u00e1dza, st\u00e1le je zauj\u00edmavej\u0161ie spl\u00e1ca\u0165 vlastn\u00fa nehnute\u013enos\u0165 ako plati\u0165 za cudziu. Napriek tomu, \u017ee n\u00e1klady na \u00faver s\u00fa vy\u0161\u0161ie. <br><br><strong><span style=\"color: #ff9900;\">Kde za\u010da\u0165, aby dnes \u010dlovek z\u00edskal v r\u00e1mci mo\u017enost\u00ed v\u00fdhodn\u00fa hypot\u00e9ku?<\/span><\/strong><\/p>\n<p>Z\u00e1kladom je d\u00f4kladn\u00fd prieskum \u00faverov\u00fdch mo\u017enost\u00ed a premyslen\u00fd v\u00fdber vhodnej nehnute\u013enosti. \u010casto sa st\u00e1va, \u017ee klienti pod\u013eahn\u00fa tlaku a zaplatia za rezerv\u00e1ciu nehnute\u013enosti v \u010dase, ke\u010f e\u0161te nemaj\u00fa vyrie\u0161en\u00fa podobu financovania b\u00fdvania, alebo aspo\u0148 adresn\u00fd prieskum trhu. M\u00f4\u017eu tak pr\u00eds\u0165 o rezerva\u010dn\u00fa z\u00e1lohu alebo si v \u010dasovom strese vybavia hypot\u00e9ku s nie \u00faplne ide\u00e1lnymi podmienkami a spl\u00e1tka \u00faveru ve\u013emi za\u0165a\u017e\u00ed ich rozpo\u010det. Potom sa dostan\u00fa do sklzu so spl\u00e1tkami a v hor\u0161om pr\u00edpade sa stan\u00fa neplati\u010dmi.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\"><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<h4><span style=\"color: #ff9900;\"><strong>To znie odstra\u0161uj\u00faco. Ako sa t\u00fdmto situ\u00e1ci\u00e1m vyhn\u00fa\u0165?<\/strong><\/span><\/h4>\n<p>Pr\u00e1ve v \u010dasoch zhor\u0161enej dostupnosti \u00faverov je dobr\u00e9 po\u017eiada\u0165 o pomoc <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a>, s ktor\u00fdm sa \u013eudia vo svojich \u00faverov\u00fdch mo\u017enostiach zorientuj\u00fa r\u00fdchlej\u0161ie. Odpor\u00fa\u010dam vopred sa poradi\u0165 so sk\u00fasen\u00fdm hypotek\u00e1rnym \u0161pecialistom, ktor\u00fd porad\u00ed ako postupova\u0165 a zv\u00fd\u0161i\u0165 svoje \u0161ance na hypot\u00e9ku. Ur\u010dite je to lep\u0161ia cesta, ako si hne\u010f poda\u0165 \u017eiadosti v bank\u00e1ch, kde by z r\u00f4znych d\u00f4vodov klienti nepre\u0161li a zbyto\u010dne by sa tak dostali do \u00faverov\u00e9ho registra.<\/p>\n<h4><strong><span style=\"color: #ff9900;\">Na ko\u013eko rokov dnes odpor\u00fa\u010date zafixova\u0165 si \u00farok?<\/span><\/strong><\/h4>\n<p>Vo\u013eba fix\u00e1cie je individu\u00e1lna z\u00e1le\u017eitos\u0165 a z\u00e1vis\u00ed aj od konkr\u00e9tnych pl\u00e1nov ka\u017ed\u00e9ho \u010dloveka. \u013dudia, pre ktor\u00fdch je k\u013e\u00fa\u010dov\u00e9 plati\u0165 \u010do najni\u017e\u0161ie spl\u00e1tky, bud\u00fa spokojnej\u0161\u00ed s trojro\u010dnou fix\u00e1ciou. Ale t\u00ed, pre ktor\u00fdch je d\u00f4le\u017eit\u00e1 istota, si rad\u0161ej priplatia, hoci aj za desa\u0165ro\u010dn\u00fa. V s\u00fa\u010dasnej situ\u00e1cii odpor\u00fa\u010dam zaviaza\u0165 si \u00farok ide\u00e1lne na p\u00e4\u0165 rokov.<\/p>\n<h4><strong><span style=\"color: #ff9900;\">Tr\u00fafate si odhadn\u00fa\u0165, kam a\u017e \u00faroky porast\u00fa?<\/span><\/strong><\/h4>\n<p>Pri s\u00fa\u010dasnej ve\u013emi nejasnej situ\u00e1cii je to naozaj ve\u013emi \u0165a\u017ek\u00e9 predikova\u0165. Nevieme, ako sa bude vyv\u00edja\u0165 infl\u00e1cia, ak\u00fa korekciu e\u0161te priprav\u00ed ECB a ako hlboko recesia zasiahne na\u0161e pe\u0148a\u017eenky. Takisto sa ned\u00e1 predv\u00edda\u0165, \u010do t\u00e1to kr\u00edza sp\u00f4sob\u00ed na pracovnom trhu, ako ovplyvn\u00ed re\u00e1lne mzdy a k\u00fapyschopnos\u0165 obyvate\u013estva. Mierne korekcie smerom hore, ale aj dolu s\u00fa vzh\u013eadom na pohyb \u00farokov na medzibankovom trhu st\u00e1le re\u00e1lne. Plo\u0161ne sa v\u0161ak o\u010dak\u00e1va u\u017e len mierny rast sadzieb.<\/p>\n<h4><strong><span style=\"color: #ff9900;\">Ak\u00fd v\u00fdvoj na trhu teda o\u010dak\u00e1vate v najbli\u017e\u0161om obdob\u00ed?<\/span><\/strong><\/h4>\n<p>Hypotek\u00e1rny trh sa bude na\u010falej spoma\u013eova\u0165 a nov\u00fdch \u00faverov bude prib\u00fada\u0165 v\u00fdrazne menej, ako sme boli zvyknut\u00ed. \u013dudia, ktor\u00ed u\u017e hypot\u00e9ku spl\u00e1caj\u00fa a v najbli\u017e\u0161\u00edch mesiacoch ich \u010dak\u00e1 <a href=\"https:\/\/www.fingo.sk\/blog\/konci-vam-fixacia-o-jeden-ci-dva-roky-mame-tipy-ako-si-znizite-buduce-splatky-hypoteky\/\">v\u00fdro\u010die fix\u00e1cie<\/a>, poc\u00edtia v\u00fdrazn\u00e9 nav\u00fd\u0161enie svojej spl\u00e1tky. Po rokoch lacn\u00fdch \u00faverov to s\u00edce nie je dobr\u00e1 spr\u00e1va, ale sk\u00f4r \u010di nesk\u00f4r by k tomu raz do\u0161lo.<\/p>\n<p><em><span style=\"color: #000000;\"><strong><span style=\"color: #ff9900;\">Eva \u0160ablov\u00e1 (40)<\/span><br><\/strong><\/span>Je riadite\u013ekou pre \u00favery v broker poole FinGO.sk. V oblasti financi\u00ed sa pohybuje takmer 20 rokov. Za\u010d\u00ednala v bankovom sektore na poz\u00edcii osobnej bank\u00e1rky, nesk\u00f4r p\u00f4sobila ako hypotek\u00e1rna \u0161pecialistka a n\u00e1sledne pre\u0161la do oblasti finan\u010dn\u00e9ho sprostredkovania. Vo FinGO.sk p\u00f4sob\u00ed od roku 2017, je odborn\u00fdm garantom pre oblas\u0165 \u00faverov a zastre\u0161uje vzdel\u00e1vanie celej makl\u00e9rskej siete.<\/em><\/p>\n<p><strong><span style=\"color: #ec8124;\">TIP: <\/span><\/strong>Ak pl\u00e1nujete rie\u0161i\u0165 b\u00fdvanie, pora\u010fte sa s na\u0161imi <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>sprostredkovate\u013emi z FinGO.sk.<\/strong><\/a> Va\u0161a cesta k hypot\u00e9ke tak m\u00f4\u017ee by\u0165 ove\u013ea jednoduch\u0161ia.<\/p>\n<p>Zavolajte n\u00e1m do FinGO.sk na&nbsp;<a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a>&nbsp;alebo n\u00e1m&nbsp;<strong>zanechajte va\u0161e kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm finan\u010dn\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/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\/7227#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\n\n\n<figure class=\"wp-block-image\"><img alt=\"\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img alt=\"\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Vzia\u0165 si ju \u010di nevzia\u0165? Mo\u017eno aj vy prem\u00fd\u0161\u013eate nad t\u00fdm \u010di sa moment\u00e1lne oplat\u00ed z\u00e1js\u0165 do banky a po\u017eiada\u0165 o hypot\u00e9ku. Minul\u00fd rok sme sa rozl\u00fa\u010dili s \u00e9rou superlacn\u00fdch \u00farokov a vst\u00fapili sme do obdobia vy\u0161\u0161\u00edch spl\u00e1tok. Pod\u013ea riadite\u013eky pre \u00favery vo FinGO.sk Evy \u0160ablovej v\u0161ak drah\u0161ie hypot\u00e9ky netreba bra\u0165 a\u017e tak tragicky. Z dlhodob\u00e9ho h\u013eadiska s\u00fa st\u00e1le v\u00fdhodn\u00e9, uv\u00e1dza v rozhovore. V rozhovore sa do\u010d\u00edtate: Ako z\u00edska\u0165 v\u00fdhodn\u00fa hypot\u00e9ku? Oplat\u00ed sa viac hypot\u00e9ka alebo podn\u00e1jom? Maj\u00fa dnes mlad\u00ed \u013eudia \u0161ancu z\u00edska\u0165 hypot\u00e9ku?&nbsp; Ako z\u00edska\u0165 dodato\u010dn\u00e9 zdroje? Ak\u00e9 vysok\u00e9 \u00faroky n\u00e1s \u010dakaj\u00fa? Na ak\u00e9 obdobie si zafixova\u0165 \u00farok? Spam\u00e4tali sa u\u017e Slov\u00e1ci z vy\u0161\u0161\u00edch \u00farokov na hypot\u00e9kach? Je pravdou, \u017ee prudk\u00fd rast sadzieb v minulom roku sp\u00f4sobil \u0161ok, no \u013eudia sa z neho postupne spam\u00e4t\u00e1vaj\u00fa. Rok 2022 bude zap\u00edsan\u00fd ako rok, kedy definit\u00edvne skon\u010dila \u00e9ra superlacn\u00fdch hypot\u00e9k. Treba v\u0161ak doda\u0165, \u017ee \u00faroky pod 1 % boli skuto\u010dne ve\u013ek\u00fdm ne\u0161tandardom. Extr\u00e9mne lacn\u00e9 hypot\u00e9ky neboli dlhodobo udr\u017eate\u013en\u00e9. Tak\u017ee dne\u0161n\u00e9 \u00faroky nem\u00e1me bra\u0165 a\u017e tak tragicky? Vy\u0161\u0161ie \u00faroky by sme nemali vn\u00edma\u0165 len negat\u00edvne. Z dlhodob\u00e9ho h\u013eadiska ide o norm\u00e1lny jav, ke\u010f\u017ee v ur\u010dit\u00fdch \u010dasov\u00fdch intervaloch \u00faroky rast\u00fa a po \u010dase op\u00e4\u0165 d\u00f4jde k zmene trendu a ich poklesu. Ke\u010f\u017ee hypot\u00e9ky sa [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":7235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[23,36],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypot\u00e9ky s\u00fa s\u00edce drah\u0161ie, ale st\u00e1le s\u00fa v\u00fdhodnej\u0161ie ako podn\u00e1jom - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Vzia\u0165 si ju \u010di nevzia\u0165? Mo\u017eno aj vy prem\u00fd\u0161\u013eate nad t\u00fdm \u010di sa moment\u00e1lne oplat\u00ed z\u00e1js\u0165 do banky a po\u017eiada\u0165 o hypot\u00e9ku.\" \/>\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\/hypoteky-su-sice-drahsie-ale-stale-su-vyhodnejsie-ako-podnajom\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ky s\u00fa s\u00edce drah\u0161ie, ale st\u00e1le s\u00fa v\u00fdhodnej\u0161ie ako podn\u00e1jom - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Vzia\u0165 si ju \u010di nevzia\u0165? 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