{"id":962,"date":"2019-04-17T10:53:13","date_gmt":"2019-04-17T08:53:13","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=962"},"modified":"2019-04-18T14:46:21","modified_gmt":"2019-04-18T12:46:21","slug":"stavebne-sporenie-5-dovodov-preco-by-ste-s-nim-stale-mali-pocitat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/stavebne-sporenie-5-dovodov-preco-by-ste-s-nim-stale-mali-pocitat\/","title":{"rendered":"Stavebn\u00e9 sporenie: 5 d\u00f4vodov, pre\u010do by ste s n\u00edm st\u00e1le mali po\u010d\u00edta\u0165"},"content":{"rendered":"

Stavebn\u00e9 sporenie bolo v minulosti ve\u013emi ob\u013e\u00faben\u00e9. V priebehu rokov v\u0161ak pre\u0161lo viacer\u00fdmi zmenami, ktor\u00e9 postupne ukrajovali na jeho atraktivite. Tie posledn\u00e9, ktor\u00e9 vst\u00fapili do platnosti 1. janu\u00e1ra 2019, tento produkt z\u00e1sadne okresali. Napriek tomu sme na\u0161li hne\u010f nieko\u013eko d\u00f4vodov, pre ktor\u00e9 s n\u00edm st\u00e1le treba po\u010d\u00edta\u0165.<\/b><\/p>\n

\u010co je stavebn\u00e9 sporenie a na \u010do sl\u00fa\u017ei?<\/b><\/span><\/h3>\n

Stavebn\u00e9 sporenie je <\/span>forma sporenia so \u0161t\u00e1tnou podporou<\/b>. Cie\u013eom stavebn\u00e9ho sporenia je na\u0161etrenie prostriedkov <\/span>na invest\u00edciu do b\u00fdvania<\/b> (napr\u00edklad k\u00fapa alebo v\u00fdstavba nehnute\u013enosti, rekon\u0161trukcia b\u00fdvania). Stavebn\u00e1 sporite\u013e\u0148a klientom ka\u017edoro\u010dne pripisuje \u00faroky z ich vkladov a \u0161t\u00e1tnu pr\u00e9miu.<\/span><\/p>\n

Sporite\u013ene okrem sporenia poskytuj\u00fa klientom aj<\/span> \u00favery na \u00fa\u010del s\u00favisiaci s b\u00fdvan\u00edm<\/b>. S\u00fa kombin\u00e1ciou sporenia a \u00faveru, pri\u010dom \u00faver m\u00f4\u017ee by\u0165 poskytnut\u00fd vo forme <\/span>medzi\u00faveru <\/b>(klient nespl\u00e1ca istinu, ale v r\u00e1mci spl\u00e1tky sa \u010das\u0165 pripisuje na \u00fa\u010det stavebn\u00e9ho sporenia a \u010das\u0165 je spl\u00e1tka \u00farokov) alebo <\/span>stavebn\u00e9ho \u00faveru<\/b> (klient plat\u00ed v spl\u00e1tke \u00farok aj istinu).<\/span><\/p>\n

\u010co sa od 1. janu\u00e1ra 2019 zmenilo v stavebnom sporen\u00ed?<\/b><\/span><\/h3>\n
    \n
  1. Do\u0161lo k <\/span>zn\u00ed\u017eeniu \u0161t\u00e1tnej pr\u00e9mie<\/b> z 5 percent na <\/strong>2,5 percenta z ro\u010dn\u00fdch vkladov,<\/b> maxim\u00e1lna <\/span>\u0161t\u00e1tna pr\u00e9mia je 70 eur<\/b>. Na z\u00edskanie plnej \u0161t\u00e1tnej pr\u00e9mie je potrebn\u00e9<\/span> vlo\u017ei\u0165 a\u017e 2 800 eur<\/b>. Vlani sta\u010dilo vlo\u017ei\u0165 1 327,80 eur. <\/span><\/li>\n
  2. V s\u00fa\u010dasnosti u\u017e nie je mo\u017en\u00e9 z\u00edska\u0165 <\/span>\u0161t\u00e1tnu pr\u00e9miu, ak sporite\u013e po\u017eiada o medzi\u00faver<\/b>.<\/span><\/li>\n
  3. N\u00e1rok na \u0161t\u00e1tnu pr\u00e9miu maj\u00fa len <\/span>sporitelia<\/b>, ktor\u00fdch <\/span>pr\u00edjem <\/b>v danom<\/span> kalend\u00e1rnom roku nepresiahne 1,3-n\u00e1sobok priemernej mzdy<\/b> (net\u00fdka sa malolet\u00fdch sporite\u013eov). Doteraz v\u00fd\u0161ka z\u00e1robku nemala vplyv na vyplatenie \u0161t\u00e1tnej pr\u00e9mie.<\/span><\/li>\n
  4. V\u00fd\u0161ka<\/span> \u0161t\u00e1tnej pr\u00e9mie<\/b> v prvom roku stavebn\u00e9ho sporenia<\/b> je<\/span> zn\u00ed\u017een\u00e1 na polovicu<\/b>, ak sporite\u013e zalo\u017e\u00ed zmluvu a <\/span>za\u010dne spori\u0165 a\u017e v druhom polroku<\/b> bez oh\u013eadu na to, ko\u013eko by do konca roka vlo\u017eil.<\/span><\/li>\n
  5. Do roku 2018 platilo, \u017ee pou\u017eitie pe\u0148az\u00ed zo stavebn\u00e9ho sporenia nebolo nutn\u00e9 vydokladova\u0165 (blo\u010dky, fakt\u00fary, k\u00fapna zmluva) ak prebehlo aspo\u0148 6 rokov od zalo\u017eenia zmluvy. Pre nov\u00e9 zmluvy zalo\u017een\u00e9 od roku 2019 u\u017e plat\u00ed, \u017ee bude treba <\/span>preuk\u00e1za\u0165 \u00fa\u010del stavebn\u00e9ho sporenia v\u017edy<\/b>, bez oh\u013eadu na dobu sporenia. Inak str\u00e1cate n\u00e1rok na \u0161t\u00e1tnu pr\u00e9miu.<\/span><\/li>\n<\/ol>\n

    Na prv\u00fd poh\u013ead vn\u00edma verejnos\u0165 tieto zmeny sk\u00f4r negat\u00edvne, lebo do\u0161lo k zn\u00ed\u017eeniu \u0161t\u00e1tnej pr\u00e9mie, obmedzeniu jej z\u00edskania a zru\u0161eniu niektor\u00fdch v\u00fdhod sporenia. Je pravda, \u017ee<\/span> z\u00edskanie \u0161t\u00e1tnej pr\u00e9mie u\u017e nem\u00f4\u017ee by\u0165 hlavn\u00fdm mot\u00edvom uzatvorenia stavebn\u00e9ho sporenia<\/b>. Treba tie\u017e po\u010d\u00edta\u0165 s ur\u010dit\u00fdmi poplatkami spojen\u00fdmi so zalo\u017een\u00edm zmluvy a veden\u00edm \u00fa\u010dtu stavebn\u00e9ho sporenia a z\u00e1rove\u0148 v s\u00fa\u010dasnosti nemo\u017eno o\u010dak\u00e1va\u0165 ve\u013emi atrakt\u00edvne zhodnotenie vkladov. Viaza\u0165 si \u00faspory na sporen\u00ed, ktor\u00e9ho zhodnotenie ledva dosahuje \u00farove\u0148 infl\u00e1cie, sa z dlhodob\u00e9ho h\u013eadiska taktie\u017e neodpor\u00fa\u010da. <\/span><\/p>\n

    Pre koho m\u00f4\u017ee by\u0165 stavebn\u00e9 sporenie spr\u00e1vnou vo\u013ebou? <\/b><\/span><\/h3>\n

    Vr\u00e1\u0165me sa ale k podstate stavebn\u00e9ho sporenia a to je <\/span>financovanie b\u00fdvania.<\/b> Napriek nepopul\u00e1rnym zmen\u00e1m sme na\u0161li hne\u010f nieko\u013eko situ\u00e1ci\u00ed, kedy m\u00f4\u017ee by\u0165 pr\u00e1ve stavebn\u00e9 sporenie pre v\u00e1s tou spr\u00e1vnou vo\u013ebou.<\/span><\/p>\n

      \n
    1. \n

      Chcem hypot\u00e9ku a nem\u00e1m dostatok vlastn\u00fdch zdrojov<\/b><\/h4>\n<\/li>\n<\/ol>\n

      S\u00favis\u00ed to najm\u00e4 s \u010fal\u0161\u00edmi legislat\u00edvnymi z\u00e1sahmi, ktor\u00e9 sa udiali v poslednom obdob\u00ed aj v oblasti poskytovania \u00faverov na b\u00fdvanie. O t\u00fdchto zmen\u00e1ch si m\u00f4\u017eete pre\u010d\u00edta\u0165 v na\u0161om \u010dl\u00e1nku.<\/a><\/span>\u00a0<\/span>Spr\u00eds\u0148ovanie hypot\u00e9k<\/b> sa okrem in\u00e9ho t\u00fdka aj obmedzenia maxim\u00e1lnej v\u00fd\u0161ky \u00faveru vzh\u013eadom k hodnote nehnute\u013enosti. V\u00e4\u010d\u0161ina \u017eiadate\u013eov v banke dnes dostane<\/span> \u00faver len do 80 percent z hodnoty bytu \u010di domu<\/b>. Vznik\u00e1 potreba <\/span>dofinancovania hypot\u00e9ky<\/b>, ktor\u00fa ve\u013emi efekt\u00edvne dok\u00e1\u017ee rie\u0161i\u0165 pr\u00e1ve stavebn\u00e9 sporenie prostredn\u00edctvom \u010derpania medzi\u00faveru alebo stavebn\u00e9ho \u00faveru. \u00davery stavebn\u00fdch sporite\u013en\u00ed maj\u00fa oproti spotrebn\u00fdm \u00faverom v bank\u00e1ch v\u00fdhodu hlavne <\/span>v dlh\u0161ej splatnosti<\/b>. Z\u00edskate tak ch\u00fdbaj\u00face finan\u010dn\u00e9 prostriedky s <\/span>prijate\u013enou mesa\u010dnou spl\u00e1tkou,<\/b> bez potreby ru\u010denia nehnute\u013enos\u0165ou.<\/span><\/p>\n

        \n
      1. \n

        Pl\u00e1nujem zobra\u0165 hypot\u00e9ku na k\u00fapu bytu alebo domu <\/b><\/h4>\n<\/li>\n<\/ol>\n

        Ak chcete v horizonte nieko\u013ek\u00fdch rokov rie\u0161i\u0165 vlastn\u00e9 b\u00fdvanie prostredn\u00edctvom \u00faveru, po\u010d\u00edtajte s obmedzeniami pri vybavovan\u00ed hypot\u00e9ky. U\u017e <\/span>dnes zalo\u017een\u00e9 stavebn\u00e9 sporenie<\/b> aj s men\u0161\u00edmi mesa\u010dn\u00fdmi vkladmi v\u00e1m o p\u00e1r rokov m\u00f4\u017ee <\/span>zabezpe\u010di\u0165 lep\u0161ie podmienky<\/b> na z\u00edskanie medzi\u00faveru alebo stavebn\u00e9ho \u00faveru, ako by ste z\u00edskali ako \u00faplne nov\u00fd klient. V lep\u0161om pr\u00edpade sa v\u00e1m pravideln\u00fdm sporen\u00edm podar\u00ed <\/span>pripravi\u0165 si finan\u010dn\u00fa rezervu<\/b> a okrem hypot\u00e9ky u\u017e nebudete potrebova\u0165 \u017eiadne dofinancovanie.<\/span><\/p>\n

          \n
        1. \n

          Pl\u00e1nujem rozsiahlej\u0161iu rekon\u0161trukciu \u010di moderniz\u00e1ciu b\u00fdvania<\/b><\/h4>\n<\/li>\n<\/ol>\n

          Spori\u0165 si s ur\u010dit\u00fdm cie\u013eom a tomu prisp\u00f4sobi\u0165 formu pravideln\u00e9ho investovania \u010di \u0161etrenia je ve\u013emi rozumn\u00e9. Ak v\u0161ak cie\u013e, kv\u00f4li ktor\u00e9mu si idete odklada\u0165 \u010das\u0165 pe\u0148az\u00ed, s\u00favis\u00ed napr\u00edklad s t\u00fdm, \u017ee pl\u00e1nujete <\/span>o 5 \u010di 7 rokov<\/b> zatep\u013eova\u0165 dom, rekon\u0161truova\u0165 strechu, alebo meni\u0165 k\u00fape\u013e\u0148u \u010di kuchy\u0148u v byte, je \u010das zv\u00e1\u017ei\u0165 uzavretie stavebn\u00e9ho sporenia. Je to <\/span>\u00fa\u010delov\u00e9 sporenie<\/b>, ktor\u00e9 v tomto pr\u00edpade m\u00f4\u017eete rovno vyu\u017ei\u0165 na tieto ciele. Ak by ste pl\u00e1novan\u00fd rozpo\u010det napr\u00edklad prekro\u010dili, m\u00f4\u017eete prostredn\u00edctvom tohto sporenia z\u00edska\u0165 <\/span>\u010fal\u0161ie zdroje za v\u00fdhodnej\u0161\u00edch podmienok<\/b>.<\/span><\/p>\n

            \n
          1. \n

            Staviam alebo kupujem dom z vlastn\u00fdch zdrojov<\/b><\/h4>\n<\/li>\n<\/ol>\n

            Ak m\u00e1te dostatok vlastn\u00fdch \u00faspor, nemus\u00edte dnes na k\u00fapu \u010di v\u00fdstavbu vyu\u017ei\u0165 hypot\u00e9ku. \u010co v\u0161ak v pr\u00edpade, ak sa va\u0161a situ\u00e1cia zmen\u00ed? V\u0161etky \u00faspory dnes miniete na nehnute\u013enos\u0165. K\u00fapa star\u0161ieho domu si v bud\u00facnosti bude vy\u017eadova\u0165 <\/span>\u010fal\u0161ie invest\u00edcie<\/b>.<\/span> Rozpo\u010det <\/b>na v\u00fdstavbu domu vo fin\u00e1le <\/span>nemus\u00ed sta\u010di\u0165<\/b>. Zriaden\u00edm stavebn\u00e9ho sporenia e\u0161te pred invest\u00edciou do k\u00fapy \u010di v\u00fdstavby si zabezpe\u010d\u00edte, \u017ee v\u0161etky <\/span>\u010fal\u0161ie stavebn\u00e9 v\u00fddavky <\/b>v\u00e1m m\u00f4\u017eu sl\u00fa\u017ei\u0165 na <\/span>vydokladovanie stavebn\u00e9ho sporenia<\/b>. Z\u00e1rove\u0148 m\u00e1te mo\u017enos\u0165 vyu\u017ei\u0165 zv\u00fdhodnen\u00fd stavebn\u00fd \u00faver \u010di medzi\u00faver, ak budete potrebova\u0165 viac pe\u0148az\u00ed, ako ste p\u00f4vodne pl\u00e1novali.<\/span><\/p>\n

              \n
            1. \n

              Chcem pom\u00f4c\u0165 svojim de\u0165om pri rie\u0161en\u00ed ich bytovej ot\u00e1zky<\/b><\/h4>\n<\/li>\n<\/ol>\n

              Je nevyhnutn\u00e9 po\u010d\u00edta\u0165 s faktom, \u017ee <\/span>100 % hypot\u00e9ky s\u00fa u\u017e minulos\u0165ou<\/b> a zrejme sa tak skoro nevr\u00e1tia. Ak chcete pom\u00f4c\u0165 svojim de\u0165om pri ich osamostatnen\u00ed sa, m\u00f4\u017eete na to vyu\u017ei\u0165 svoju zmluvu o stavebnom sporen\u00ed, alebo im ako <\/span>malolet\u00fdm<\/b> rovno <\/span>zriadi\u0165 zmluvu na ich meno<\/b>. Viete im tak postupne <\/span>na\u0161etri\u0165 zauj\u00edmav\u00fa sumu<\/b>, ktor\u00fa m\u00f4\u017eu v bud\u00facnosti vyu\u017ei\u0165 pri financovan\u00ed svojho vlastn\u00e9ho b\u00fdvania.<\/span><\/p>\n

              Aj ke\u010f stavebn\u00e9 sporenie dnes nie je o extr\u00e9mne v\u00fdhodnej \u0161t\u00e1tnej pr\u00e9mii alebo nad\u0161tandardn\u00fdch \u00farokoch, sme presved\u010den\u00ed, \u017ee spr\u00e1vnou kombin\u00e1ciou s ostatn\u00fdmi finan\u010dn\u00fdmi produktmi viete docieli\u0165 jednoduch\u0161ie a r\u00fdchlej\u0161ie splnenie svojich pl\u00e1nov.<\/strong>\u00a0Ak potrebujete pom\u00f4c\u0165 s vybaven\u00edm hypotek\u00e1rneho \u00faveru alebo jeho dofinancovan\u00edm, nev\u00e1hajte sa obr\u00e1ti\u0165 na na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov, ktor\u00ed v\u00e1m radi pom\u00f4\u017eu s v\u00fdberom vhodn\u00e9ho rie\u0161enia. Pre skontaktovanie sa s FinGO finan\u010dn\u00fdm \u0161pecialistom vo va\u0161om okol\u00ed vypl\u0148te svoje kontaktn\u00e9 \u00fadaje v na\u0161om hypotek\u00e1rnom porovn\u00e1va\u010di<\/a>,<\/span> alebo n\u00e1s kontaktujte priamo na \u010d\u00edsle 0800 60 10 60<\/strong>,<\/span> pr\u00edpadne mailom na adrese kontakt@fingo.sk.\u00a0<\/strong><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

              Stavebn\u00e9 sporenie bolo v minulosti ve\u013emi ob\u013e\u00faben\u00e9. V priebehu rokov v\u0161ak pre\u0161lo viacer\u00fdmi zmenami, ktor\u00e9 postupne ukrajovali na jeho atraktivite. Tie posledn\u00e9, ktor\u00e9 vst\u00fapili do platnosti 1. janu\u00e1ra 2019, tento produkt z\u00e1sadne okresali. Napriek tomu sme na\u0161li hne\u010f nieko\u013eko d\u00f4vodov, pre ktor\u00e9 s n\u00edm st\u00e1le treba po\u010d\u00edta\u0165. \u010co je stavebn\u00e9 sporenie a na \u010do sl\u00fa\u017ei? Stavebn\u00e9 sporenie je forma sporenia so \u0161t\u00e1tnou podporou. Cie\u013eom stavebn\u00e9ho sporenia je na\u0161etrenie prostriedkov na invest\u00edciu do b\u00fdvania (napr\u00edklad k\u00fapa alebo v\u00fdstavba nehnute\u013enosti, rekon\u0161trukcia b\u00fdvania). Stavebn\u00e1 sporite\u013e\u0148a klientom ka\u017edoro\u010dne pripisuje \u00faroky z ich vkladov a \u0161t\u00e1tnu pr\u00e9miu. Sporite\u013ene okrem sporenia poskytuj\u00fa klientom aj \u00favery na \u00fa\u010del s\u00favisiaci s b\u00fdvan\u00edm. S\u00fa kombin\u00e1ciou sporenia a \u00faveru, pri\u010dom \u00faver m\u00f4\u017ee by\u0165 poskytnut\u00fd vo forme medzi\u00faveru (klient nespl\u00e1ca istinu, ale v r\u00e1mci spl\u00e1tky sa \u010das\u0165 pripisuje na \u00fa\u010det stavebn\u00e9ho sporenia a \u010das\u0165 je spl\u00e1tka \u00farokov) alebo stavebn\u00e9ho \u00faveru (klient plat\u00ed v spl\u00e1tke \u00farok aj istinu). \u010co sa od 1. janu\u00e1ra 2019 zmenilo v stavebnom sporen\u00ed? Do\u0161lo k zn\u00ed\u017eeniu \u0161t\u00e1tnej pr\u00e9mie z 5 percent na 2,5 percenta z ro\u010dn\u00fdch vkladov, maxim\u00e1lna \u0161t\u00e1tna pr\u00e9mia je 70 eur. Na z\u00edskanie plnej \u0161t\u00e1tnej pr\u00e9mie je potrebn\u00e9 vlo\u017ei\u0165 a\u017e 2 800 eur. Vlani sta\u010dilo vlo\u017ei\u0165 1 327,80 eur. V s\u00fa\u010dasnosti u\u017e nie je mo\u017en\u00e9 […]<\/p>\n","protected":false},"author":17,"featured_media":965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[32,85,83,86,84],"yoast_head":"\nStavebn\u00e9 sporenie: 5 d\u00f4vodov, pre\u010do by ste s n\u00edm st\u00e1le mali po\u010d\u00edta\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zmeny, ktor\u00e9 vst\u00fapili do platnosti 1. janu\u00e1ra 2019, stavebn\u00e9 sporenie z\u00e1sadne okresali. 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