[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.suy.sk\/hypoteka-na-nehnutelnost\/#Article","mainEntityOfPage":"https:\/\/www.suy.sk\/hypoteka-na-nehnutelnost\/","headline":"Hypot\u00e9ka na nehnute\u013enos\u0165","name":"Hypot\u00e9ka na nehnute\u013enos\u0165","description":"Ceny nehnute\u013enosti mierne klesaj\u00fa, ale d\u00f4vodom s\u00fa vysok\u00e9 \u00faroky na hypot\u00e9kach, ktor\u00e9 mno\u017estvo \u013eud\u00ed odradilo od k\u00fapy novej nehnute\u013enosti. Predajcovia…","datePublished":"2024-09-18","dateModified":"2024-09-18","author":{"@type":"Person","@id":"https:\/\/www.suy.sk\/author\/#Person","name":"","url":"https:\/\/www.suy.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"suy.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.suy.sk\/wp-content\/uploads\/house-5902664_1280-2_1.jpg","url":"https:\/\/www.suy.sk\/wp-content\/uploads\/house-5902664_1280-2_1.jpg","height":0,"width":0},"url":"https:\/\/www.suy.sk\/hypoteka-na-nehnutelnost\/","about":["Ekonomika"],"wordCount":378,"articleBody":"Ceny nehnute\u013enosti mierne klesaj\u00fa, ale d\u00f4vodom s\u00fa vysok\u00e9 \u00faroky na hypot\u00e9kach, ktor\u00e9 mno\u017estvo \u013eud\u00ed odradilo od k\u00fapy novej nehnute\u013enosti. Predajcovia boli pri n\u00edzkom dopyte n\u00faten\u00fd zn\u00ed\u017ei\u0165 ceny, aby ich dok\u00e1zali preda\u0165. Samozrejme je logick\u00e9, \u017ee \u013eudia sa boja pusti\u0165 do hypot\u00e9ky pri \u00faroku vy\u0161\u0161om ako 4%, ke\u010f mesa\u010dne bud\u00fa musie\u0165 plati\u0165 za hypot\u00e9ku stovky eur. Ak aj vy rozm\u00fd\u0161\u013eate nad k\u00fapou nov\u00fdch nehnute\u013enosti, ale odr\u00e1dza v\u00e1s v\u00fd\u0161ka \u00faroku na hypot\u00e9ke je to pochopite\u013en\u00e9. A vzh\u013eadom na to, \u017ee e\u0161te pred nieko\u013ek\u00fdmi rokmi sme boli zvyknut\u00ed na hypot\u00e9ky s \u00farokom ni\u017e\u0161\u00edm ako 1%, dne\u0161n\u00e1 doba nie je na predaj nehnute\u013enost\u00ed v\u00f4bec priazniv\u00e1. \u010co na to odborn\u00edci? Banky predpovedaj\u00fa v najbli\u017e\u0161\u00edch rokoch zni\u017eovanie \u00farokov vzh\u013eadom na to, \u017ee dopyt po bytoch kles\u00e1 a takisto aj dopyt po hypot\u00e9kach. Na udr\u017eanie stabilnej situ\u00e1cie v oblasti ekonomiky je potrebn\u00e9 zn\u00ed\u017eenie \u00farokov, aby sa ekonomika znova rozbehla. A na druhej strane je takisto ve\u013emi negat\u00edvnym faktorom cena nehnute\u013enosti. Nie je v\u00f4bec jednoduch\u00e9 zabezpe\u010di\u0165 si u\u017e len dvojizbov\u00fd byt v sume desiatok 1000 \u20ac. Ceny nehnute\u013enosti vzr\u00e1stli nieko\u013ekon\u00e1sobne za posledn\u00e9 roky, ale v takomto trende budeme pokra\u010dova\u0165. Ceny nehnute\u013enosti rast\u00fa so zvy\u0161uj\u00facimi sa pr\u00edjmami a zvy\u0161uj\u00facou sa infl\u00e1ciou. Ak sa v\u0161ak rozhodujete pre hypot\u00e9ku na nov\u00fa nehnute\u013enos\u0165 overte si, \u010di ju s istotou dostanete. Banky s\u00fa mimoriadne opatrne a nie ka\u017ed\u00fd dostane mo\u017enos\u0165 zobra\u0165 si hypot\u00e9ku a u\u017e nie vo vysokej sume. Vo v\u0161eobecnosti sa v\u00fd\u0161ka hypot\u00e9ky vypo\u010d\u00edta na z\u00e1klade \u010distej mesa\u010dnej mzdy. Z priemeru je sa \u010dist\u00e1 mzda za cel\u00fd rok a vyn\u00e1sob\u00ed sa \u010d\u00edslom 8. Pr\u00e1ve tak\u00e1to suma je najvy\u0161\u0161ia mo\u017en\u00e1 hypot\u00e9ka, ktor\u00fa m\u00f4\u017eete dosta\u0165. Pri \u017eiadosti o hypot\u00e9ku maj\u00fa s\u0165a\u017een\u00e9 podmienky \u017eivnostn\u00edci, ktor\u00fd prizn\u00e1vaj\u00fa iba ur\u010dit\u00fa \u010das\u0165 pr\u00edjmu. Pr\u00e1ve \u017eivnostn\u00edci maj\u00fa v\u00fd\u0161ku hypot\u00e9ky skr\u00e1ten\u00fa a\u00a0\u010dasto kr\u00e1t musia financovanie nehnute\u013enosti rie\u0161i\u0165 aj in\u00fdm smerom.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na nehnute\u013enos\u0165","item":"https:\/\/www.suy.sk\/hypoteka-na-nehnutelnost\/#breadcrumbitem"}]}]