{"id":7286,"date":"2023-04-06T19:07:26","date_gmt":"2023-04-06T17:07:26","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7286"},"modified":"2023-08-02T13:51:56","modified_gmt":"2023-08-02T11:51:56","slug":"8-najcastejsich-otazok-o-hypotekach-a-realitach-v-roku-2023","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/8-najcastejsich-otazok-o-hypotekach-a-realitach-v-roku-2023\/","title":{"rendered":"8 naj\u010dastej\u0161\u00edch ot\u00e1zok o hypot\u00e9kach a realit\u00e1ch v roku 2023"},"content":{"rendered":"\n<p><strong>Ceny domov a bytov klesaj\u00fa, no napriek tomu s\u00fa st\u00e1le nedostupnej\u0161ie. Ako je to mo\u017en\u00e9? \u010co n\u00e1s e\u0161te \u010dak\u00e1 v tomto roku a ako sa na to pripravi\u0165? Na\u0161a riadite\u013eka pre \u00favery Eva \u0160ablov\u00e1 a riadite\u013eka FinGO recloud R\u00f3berta Meckov\u00e1 odpovedaj\u00fa na ot\u00e1zky, ktor\u00e9 si klad\u00fa v\u0161etci, \u010do sa zauj\u00edmaj\u00fa o v\u00fdvoj realitn\u00e9ho a hypotek\u00e1rneho trhu.<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>1. Dokedy bud\u00fa ceny nehnute\u013enost\u00ed klesa\u0165?<\/strong><\/p>\n\n\n\n<p>Ke\u010f sa dostaneme na <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteky-su-sice-drahsie-ale-stale-su-vyhodnejsie-ako-podnajom\/\" target=\"_blank\" rel=\"noreferrer noopener\">vrchol \u00farokov<\/a> pri hypot\u00e9kach, tak sa situ\u00e1cia zastabilizuje a dopyt sa mierne o\u017eiv\u00ed. Nedostatok bytov a domov na Slovensku je tragick\u00fd, tak\u017ee ak niekto o\u010dak\u00e1va nekone\u010dn\u00fd pokles cien, nemus\u00ed sa ho do\u010dka\u0165. Ku korekci\u00e1m e\u0161te m\u00f4\u017ee pr\u00eds\u0165, ale dobr\u00e9 byty si cenu dr\u017eia.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>2. Je vhodn\u00e1 doba na k\u00fapu nehnute\u013enosti?<\/strong><\/p>\n\n\n\n<p>Ak niekto h\u013ead\u00e1 nehnute\u013enos\u0165 kv\u00f4li \u017eivotnej potrebe, k\u00fapi\u0165 mus\u00ed a vtedy to nem\u00e1 zmysel odklada\u0165. Ak potrebuje dom, nech kupuje dom. Ke\u010f ho nepotrebuje, nech pokojne \u010dak\u00e1 ako sa bude situ\u00e1cia vyv\u00edja\u0165. Ak chce kupuj\u00faci investova\u0165, nech k\u00fapi pozemok, byt, gar\u00e1\u017e, dom, ak ich vie k\u00fapi\u0165 za skvel\u00fa cenu. Pr\u00e1ve teraz je na trhu priestor na vyjedn\u00e1vanie ceny. Dobr\u00e1 pr\u00edle\u017eitos\u0165 na investi\u010dn\u00fa k\u00fapu sa nemus\u00ed opakova\u0165 ka\u017ed\u00fd de\u0148.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>3. Oplat\u00ed sa s predajom nehnute\u013enosti po\u010dka\u0165?<\/strong><\/p>\n\n\n\n<p>Nik nem\u00e1 ve\u0161teck\u00fa gu\u013eu, preto by sa ka\u017ed\u00fd mal riadi\u0165 vlastn\u00fdmi pocitmi, radami sk\u00fasen\u00e9ho vlastn\u00e9ho makl\u00e9ra a svojou \u017eivotnou situ\u00e1ciou. Ak nemus\u00edte kupova\u0165 a je v\u00e1m dobre tak ako je, tak nekupujte. Ceny nehnute\u013enost\u00ed e\u0161te m\u00f4\u017eu klesn\u00fa\u0165. Na druhej strane, m\u00f4\u017eu aj \u010doskoro st\u00fapnu\u0165, ke\u010f\u017ee pokles trhu nie je nekone\u010dn\u00fd proces. Pred\u00e1vaj\u00facim rad\u00edm &#8211; ak potrebujete preda\u0165, predajte. Ak nepotrebujete preda\u0165, nepred\u00e1vajte, \u010dakajte. Sk\u00f4r \u010di nesk\u00f4r pr\u00edde \u010das, kedy ceny zas st\u00fapnu. Je to trhov\u00fd cyklus a kormidlo dr\u017eia kupuj\u00faci.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>4. Ak\u00fd v\u00fdvoj \u00farokov\u00fdch sadzieb sa d\u00e1 o\u010dak\u00e1va\u0165?<\/strong><\/p>\n\n\n\n<p>Ke\u010f\u017ee infl\u00e1cia je v Eur\u00f3pe st\u00e1le vysok\u00e1, Eur\u00f3pska centr\u00e1lna banka si nem\u00f4\u017ee dovoli\u0165 zmeni\u0165 menov\u00fa politiku. M\u00f4\u017eeme teda o\u010dak\u00e1va\u0165, \u017ee zvy\u0161ovanie sadzieb sa e\u0161te neskon\u010dilo. Odhady hovoria o tom, \u017ee mierny rast \u00farokov\u00fdch sadzieb bude na\u010falej pokra\u010dova\u0165, av\u0161ak v\u00fdrazne pomal\u0161ie, ako tomu bolo vlani. Na <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka\/\" target=\"_blank\" rel=\"noreferrer noopener\">zlac\u0148ovanie hypot\u00e9k<\/a> teda priestor v tomto roku s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou nebude. NBS taktie\u017e nepredpoklad\u00e1, \u017ee v najbli\u017e\u0161\u00edch dvoch rokoch d\u00f4jde k v\u00fdraznej\u0161iemu poklesu sadzieb.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>5. Koho sa najviac dot\u00fdka zvy\u0161ovanie \u00farokov?<\/strong><\/p>\n\n\n\n<p>Zdra\u017eovanie \u00faverov sa v\u00e4\u010d\u0161iny existuj\u00facich dl\u017en\u00edkov dotkne v \u010dase<a href=\"https:\/\/www.fingo.sk\/blog\/konci-vam-fixacia-o-jeden-ci-dva-roky-mame-tipy-ako-si-znizite-buduce-splatky-hypoteky\/\" target=\"_blank\" rel=\"noreferrer noopener\"> v\u00fdro\u010dia fix\u00e1cie<\/a>. Vlani to bolo 13 % hypot\u00e9k, v tomto roku 17 % hypot\u00e9k a v roku 2024 by mala kon\u010di\u0165 viazanos\u0165 \u00faroku a\u017e 30 % hypot\u00e9k. T\u00e1to skupina dl\u017en\u00edkov takmer s istotou bude musie\u0165 po\u010d\u00edta\u0165 s nav\u00fd\u0161en\u00edm spl\u00e1tky o desiatky a v niektor\u00fdch pr\u00edpadoch a\u017e o stovky eur. Uvid\u00edme, \u010do prinesie \u010fal\u0161ia vlna refix\u00e1ci\u00ed v roku 2025, ktor\u00e1 \u010dak\u00e1 a\u017e 40 % dl\u017en\u00edkov.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>6. Ako ve\u013emi sa zvy\u0161uj\u00fa spl\u00e1tky na hypot\u00e9kach?<\/strong><\/p>\n\n\n\n<p>Je to individu\u00e1lne a z\u00e1vis\u00ed to od r\u00f4znych faktorov, ako je v\u00fd\u0161ka hypot\u00e9ky, p\u00f4vodn\u00e1 \u00farokov\u00e1 sadzba \u010di nov\u00e1 \u00farokov\u00e1 sadzba. Pre lep\u0161iu predstavu uv\u00e1dzame nieko\u013eko modelov\u00fdch pr\u00edkladov.<\/p>\n\n\n\n<div class=\"flourish-embed\" data-src=\"visualisation\/13251725\"><script src=https:\/\/public.flourish.studio\/resources\/embed.js><\/script><\/div>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>7. Ako sa zn\u00ed\u017eila dostupnos\u0165 hypot\u00e9k?<\/strong><\/p>\n\n\n\n<p>Vplyvom rast\u00facich sadzieb sa prirodzene zn\u00ed\u017eil podiel \u013eud\u00ed, ktor\u00ed si m\u00f4\u017eu hypot\u00e9ku dovoli\u0165. E\u0161te na za\u010diatku minul\u00e9ho roka dostal \u00faver takmer ka\u017ed\u00fd. Dnes, pri spl\u00e1tkach \u00faverov, ktor\u00e9 nar\u00e1stli o viac ako 50 %, a pri stagn\u00e1cii pr\u00edjmov vzh\u013eadom na plo\u0161n\u00fd rast cien, jednoducho \u013eudia nedosiahnu na potrebn\u00fa v\u00fd\u0161ku \u00faveru. Tento fakt pod\u010diarkuj\u00fa e\u0161te st\u00e1le extr\u00e9mne drah\u00e9 nehnute\u013enosti. Zjednodu\u0161ene povedan\u00e9, spr\u00edsnenie krit\u00e9ri\u00ed nijako z\u00e1sadne nenastavili banky, ale hlavne trh.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>8. Ako sa v dne\u0161nej dobe dosta\u0165 k \u00faveru?<\/strong><\/p>\n\n\n\n<p>Najv\u00e4\u010d\u0161\u00edm probl\u00e9mom b\u00fdva nedostato\u010dn\u00e1 kapacita na spl\u00e1canie po\u017eadovan\u00e9ho \u00faveru. T\u00e1 sa po\u010d\u00edta <a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky\">z mesa\u010dn\u00e9ho pr\u00edjmu.<\/a> Na to, aby si z\u00e1ujemca o hypot\u00e9ku mohol siahnu\u0165 na \u00faver v potrebnej v\u00fd\u0161ke, mus\u00ed \u010dasto n\u00e1js\u0165 vhodn\u00e9ho spoludl\u017en\u00edka, ktor\u00fd by mu v\u010faka svojmu zdokladovan\u00e9mu pr\u00edjmu pomohol z\u00edska\u0165 potrebn\u00fd \u00faver. Probl\u00e9mom je aj nedostatok vlastn\u00fdch zdrojov, ktor\u00fdmi obvykle musia \u013eudia participova\u0165 na k\u00fape nehnute\u013enosti. <\/p>\n\n\n\n<p>Ak sa aj \u010dlovek kvalifikuje na hypot\u00e9ku, obvykle dostane maxim\u00e1lne 80 % z k\u00fapnej ceny. \u0160tandardne si v\u00e4\u010d\u0161ina klientov bez vlastn\u00fdch \u00faspor zvy\u0161n\u00fa sumu <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vypocitate-maximalny-limit-hypoteky-a-tipy-ak-potrebujete-vyssi-uver\/\" target=\"_blank\" rel=\"noreferrer noopener\">dofinancovala<\/a> prostredn\u00edctvom \u010fal\u0161ieho \u00faveru. Tu v\u0161ak v s\u00fa\u010dasnosti \u010dasto nar\u00e1\u017eame na to, \u017ee \u010fal\u0161\u00ed \u00faver u\u017e \u010dloveku jednoducho nevyjde. Rie\u0161en\u00edm m\u00f4\u017ee by\u0165 napr\u00edklad pomoc bl\u00edzkych, ktor\u00ed maj\u00fa mo\u017enos\u0165 poskytn\u00fa\u0165 banke ako \u010fal\u0161ie zabezpe\u010denie svoju nehnute\u013enos\u0165. T\u00fdm p\u00e1dom si dl\u017en\u00edk nemus\u00ed bra\u0165 \u010fal\u0161\u00ed \u00faver a k\u00fapnu cenu pokryje len hypot\u00e9ka.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ed8224\"><strong>PR\u00cdKLAD:<\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">Ak chcel \u010dlovek vlani k\u00fapi\u0165 byt za 160 000 \u20ac, mohol dosta\u0165 hypot\u00e9ku 80 %, teda vo v\u00fd\u0161ke 128 000 \u20ac, aj so spotrebn\u00fdm \u00faverom 32 000 \u20ac na kompletn\u00e9 dofinancovanie k\u00fapy, pri\u010dom spl\u00e1tka oboch \u00faverov nepresiahla 800 \u20ac. Dnes si pri tej istej k\u00fapnej cene a tom istom pr\u00edjme m\u00f4\u017ee dovoli\u0165 k hypot\u00e9ke financovanej do 80 % zobra\u0165 p\u00f4\u017ei\u010dku maxim\u00e1lne do sumy pribli\u017ene 10 000 \u20ac. Vlani si teda mohol zobra\u0165 hypot\u00e9ku aj s dofinancovan\u00edm do 100 % k\u00fapnej ceny. N\u00e1rast \u00farokov sp\u00f4sobil, \u017ee tomu ist\u00e9mu klientovi v s\u00fa\u010dasnosti bude ch\u00fdba\u0165 e\u0161te takmer 11 % z ceny nehnute\u013enosti.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/vypocet-hypoteky?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=maxhypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/06\/FinGO.sk-v\u00fdpo\u010det-hypot\u00e9ky.gif\" alt=\"Fingo v\u00fdpo\u010det hypot\u00e9ky kalkula\u010dka\" class=\"wp-image-3903\"\/><\/a><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>TIP<\/strong>: Sk\u00f4r ne\u017e urob\u00edte ak\u00e9ko\u013evek rozhodnutie, odpor\u00fa\u010dame v\u00e1m najsk\u00f4r sa poradi\u0165 s odborn\u00edkom. Na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> n\u00e1jdete na celom Slovensku.&nbsp;<\/p>\n\n\n\n<p>M\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky \u010di online. Zavolajte n\u00e1m na&nbsp;<a href=\"tel:0800601060\">0800 60 10 60<\/a> alebo n\u00e1m zanechajte kontakt vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\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\/7286#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<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ceny domov a bytov klesaj\u00fa, no napriek tomu s\u00fa st\u00e1le nedostupnej\u0161ie. Ako je to mo\u017en\u00e9? \u010co n\u00e1s e\u0161te \u010dak\u00e1 v tomto roku a ako sa na to pripravi\u0165? Na\u0161a riadite\u013eka pre \u00favery Eva \u0160ablov\u00e1 a riadite\u013eka FinGO recloud R\u00f3berta Meckov\u00e1 odpovedaj\u00fa na ot\u00e1zky, ktor\u00e9 si klad\u00fa v\u0161etci, \u010do sa zauj\u00edmaj\u00fa o v\u00fdvoj realitn\u00e9ho a hypotek\u00e1rneho trhu. 1. Dokedy bud\u00fa ceny nehnute\u013enost\u00ed klesa\u0165? Ke\u010f sa dostaneme na vrchol \u00farokov pri hypot\u00e9kach, tak sa situ\u00e1cia zastabilizuje a dopyt sa mierne o\u017eiv\u00ed. Nedostatok bytov a domov na Slovensku je tragick\u00fd, tak\u017ee ak niekto o\u010dak\u00e1va nekone\u010dn\u00fd pokles cien, nemus\u00ed sa ho do\u010dka\u0165. Ku korekci\u00e1m e\u0161te m\u00f4\u017ee pr\u00eds\u0165, ale dobr\u00e9 byty si cenu dr\u017eia. 2. Je vhodn\u00e1 doba na k\u00fapu nehnute\u013enosti? Ak niekto h\u013ead\u00e1 nehnute\u013enos\u0165 kv\u00f4li \u017eivotnej potrebe, k\u00fapi\u0165 mus\u00ed a vtedy to nem\u00e1 zmysel odklada\u0165. Ak potrebuje dom, nech kupuje dom. Ke\u010f ho nepotrebuje, nech pokojne \u010dak\u00e1 ako sa bude situ\u00e1cia vyv\u00edja\u0165. Ak chce kupuj\u00faci investova\u0165, nech k\u00fapi pozemok, byt, gar\u00e1\u017e, dom, ak ich vie k\u00fapi\u0165 za skvel\u00fa cenu. Pr\u00e1ve teraz je na trhu priestor na vyjedn\u00e1vanie ceny. Dobr\u00e1 pr\u00edle\u017eitos\u0165 na investi\u010dn\u00fa k\u00fapu sa nemus\u00ed opakova\u0165 ka\u017ed\u00fd de\u0148. 3. Oplat\u00ed sa s predajom nehnute\u013enosti po\u010dka\u0165? Nik nem\u00e1 ve\u0161teck\u00fa gu\u013eu, preto by sa ka\u017ed\u00fd mal [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":7293,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,166],"tags":[23,205,36,167],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 naj\u010dastej\u0161\u00edch ot\u00e1zok o hypot\u00e9kach a realit\u00e1ch v roku 2023 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ceny domov a bytov klesaj\u00fa, napriek tomu s\u00fa st\u00e1le nedostupnej\u0161ie. 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