{"id":21819,"date":"2023-06-08T01:50:54","date_gmt":"2023-06-07T23:50:54","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=21819"},"modified":"2024-05-13T14:56:50","modified_gmt":"2024-05-13T12:56:50","slug":"novinky-vo-svete-hypotek-v-roku-2022","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/novinky-vo-svete-hypotek-v-roku-2022\/","title":{"rendered":"Novinky vo svete hypot\u00e9k v roku 2022"},"content":{"rendered":"

Ceny nehnute\u013enost\u00ed st\u00e1le rast\u00fa a z\u00edska\u0165 hypot\u00e9ku je \u010doraz n\u00e1ro\u010dnej\u0161ie. Rok 2022 nebude v\u00fdnimkou. Banky maj\u00fa nieko\u013eko noviniek a pravidiel, ktor\u00e9 mus\u00edte pri \u017eiadan\u00ed splni\u0165. T\u00fdm najhlavnej\u0161\u00edm je v\u00fd\u0161ka \u017eivotn\u00e9ho minima. \u010co v\u0161etko m\u00f4\u017eete o\u010dak\u00e1va\u0165 od bud\u00facoro\u010dn\u00fdch hypot\u00e9k a na \u010do sa pripravi\u0165?<\/b><\/p>\n

V\u00fd\u0161ka \u017eivotn\u00e9ho minima je vy\u0161\u0161ia<\/h2>\n

\u017divotn\u00e9 minimum sa u\u017e tradi\u010dne men\u00ed v j\u00fali a plat\u00ed v\u017edy \u010fal\u0161\u00edch dvan\u00e1s\u0165 mesiacov. Jeho v\u00fd\u0161ka st\u00fapla zo sumy 214,83 \u20ac na 218,06 \u20ac<\/b>. Spolu s n\u00edm sa zmenila aj v\u00fd\u0161ka \u017eivotn\u00e9ho minima pre \u010fal\u0161iu spolo\u010dne posudzovan\u00fa plnolet\u00fa fyzick\u00fa osobu. V tomto pr\u00edpade sa suma 149,87 \u20ac zv\u00fd\u0161ila na 152,12 \u20ac<\/b>. Nepatrn\u00fa zmenu m\u00f4\u017eeme bada\u0165 aj v r\u00e1mci \u017eivotn\u00e9ho minima pre nezaopatren\u00e9 die\u0165a alebo zaopatren\u00e9 a neplnolet\u00e9 die\u0165a, tu suma st\u00fapla z 98,08 \u20ac na 99,56 \u20ac<\/b>.
\n\u017divotn\u00e9 minimum je pre \u017eiadate\u013eov hypot\u00e9k k\u013e\u00fa\u010dov\u00fdm faktorom. Banky pod\u013ea neho zis\u0165uj\u00fa, \u010di v\u00e1m m\u00f4\u017eu po\u017ei\u010da\u0165 sumu, o ktor\u00fa \u017eiadate. Plat\u00ed, \u017ee po odpo\u010d\u00edtan\u00ed spl\u00e1tky a \u017eivotn\u00e9ho minima v\u00e1m mus\u00ed zosta\u0165 aspo\u0148 40 % \u010dist\u00e9ho pr\u00edjmu<\/b>.
\nProbl\u00e9m so zvy\u0161ovan\u00edm sa dotkne hlavne \u013eud\u00ed s ni\u017e\u0161\u00edm pr\u00edjmom, ktor\u00ed pod odpo\u010d\u00edtan\u00ed spl\u00e1tok a \u017eivotn\u00e9ho minima nesp\u013a\u0148aj\u00fa dan\u00fdch 40 %. V tak\u00fdchto pr\u00edpadoch je nutn\u00e9 zvoli\u0165 lacnej\u0161iu nehnute\u013enos\u0165 a zn\u00ed\u017ei\u0165 v\u00fd\u0161ku hypot\u00e9ky<\/b>.
\nTre\u0165ou mo\u017enos\u0165ou je siahnu\u0165 po hypot\u00e9ke s dlh\u0161ou splatnos\u0165ou. Nev\u00fdhodou v\u0161ak je, \u017ee dlh\u0161ia splatnos\u0165 predstavuje vy\u0161\u0161ie n\u00e1klady. Na celom \u00favere preplat\u00edte vo v\u00fdsledku ove\u013ea viac.<\/p>\n

Pom\u00f4c\u0165 m\u00f4\u017ee zv\u00fd\u0161enie d\u00e1vok<\/h2>\n

Probl\u00e9m so \u017eivotn\u00fdm minimom m\u00f4\u017ee aspo\u0148 trochu vyrie\u0161i\u0165 zv\u00fd\u0161enie r\u00f4znych d\u00e1vok<\/b>. Ich v\u00fd\u0161ka sa od janu\u00e1ra 2022 zvy\u0161uje na tieto sumy:<\/p>\n

    \n
  • rodi\u010dovsk\u00fd pr\u00edspevok bez materskej \u2013 280 \u20ac<\/li>\n
  • rodi\u010dovsk\u00fd pr\u00edspevok s materskou \u2013 383,80 \u20ac<\/li>\n
  • pr\u00eddavok na die\u0165a \u2013 25,88 \u20ac<\/li>\n
  • da\u0148ov\u00fd bonus na die\u0165a do 6 rokov \u2013 47,14 \u20ac<\/li>\n
  • da\u0148ov\u00fd bonus na die\u0165a od 6 do 15 rokov \u2013 43,60 \u20ac<\/li>\n
  • da\u0148ov\u00fd bonus na die\u0165a nad 15 rokov \u2013 23,57 \u20ac<\/li>\n<\/ul>\n
    \"Hypot\u00e9ka
    Hypot\u00e9ka 2022: \u010co sa bude meni\u0165 a ak\u00e9 podmienky mus\u00edte splni\u0165?<\/figcaption><\/figure>\n

    Men\u00ed sa aj v\u00fd\u0161ka spl\u00e1tky<\/h2>\n

    Zadl\u017eenos\u0165 slovensk\u00fdch ob\u010danov neust\u00e1le narast\u00e1, \u010do vpl\u00fdva na pr\u00edsnej\u0161ie podmienky poskytovania hypot\u00e9k. Za uplynul\u00e9 mesiace sa zmenili podmienky ukazovate\u013ea DSTI <\/b>(Debt Service To Income), ktor\u00fd poc\u00edtia \u017eiadatelia najm\u00e4 v roku 2022.
    \nV\u00fd\u0161ka spl\u00e1tky \u00faveru m\u00e1 maxim\u00e1lnu hodnotu 60 % \u010dist\u00e9ho pr\u00edjmu <\/b>po odr\u00e1tan\u00ed \u017eivotn\u00e9ho minima. Ide o pomerne ve\u013ek\u00fd skok. Predch\u00e1dzaj\u00faca hranica bola stanoven\u00e1 na 80 %.<\/p>\n

    LTV nesmie presiahnu\u0165 90 %<\/h2>\n

    Slovensk\u00e9 banky u\u017e d\u00e1vno neposkytuj\u00fa 100 % hypot\u00e9ky. Najvy\u0161\u0161ia mo\u017en\u00e1 hranica je 80 %, niekedy 90 %. V roku 2022 m\u00f4\u017eu banky poskytn\u00fa\u0165 maxim\u00e1lne 20 % \u00faverov v hodnote nad 80 %<\/b>.
    \nAko tak\u00fdto probl\u00e9m vyrie\u0161i\u0165 v praxi? Ak od banky dostanete \u00faver v hodnote 80 % zo sumy nehnute\u013enosti, \u010fal\u0161\u00edch 20 % mus\u00edte splati\u0165 zo svojich vlastn\u00fdch \u00faspor. Ke\u010f v\u0161ak nem\u00e1te na\u0161etren\u00fdch nieko\u013eko tis\u00edc navy\u0161e alebo nechcete da\u0165 na k\u00fapu nehnute\u013enosti v\u0161etky peniaze, jednou z mo\u017enost\u00ed je spotrebn\u00fd \u00faver<\/b>.
    \nTak\u00e1to kombin\u00e1cia \u00faverov je ob\u013e\u00faben\u00e1, no d\u00e1vajte si pozor. Spotrebn\u00fd \u00faver m\u00e1 krat\u0161iu dobu splatnosti a vy\u0161\u0161ie \u00faroky ako hypot\u00e9ka. V prv\u00fdch rokoch budete musie\u0165 spl\u00e1ca\u0165 vysok\u00e9 spl\u00e1tky<\/b>.<\/p>\n

    \"Hypot\u00e9ka
    Hypot\u00e9ka 2022: \u010co sa bude meni\u0165 a ak\u00e9 podmienky mus\u00edte splni\u0165?<\/figcaption><\/figure>\n

    V\u0161etko si dobre premyslite<\/h2>\n

    Na trhu sa stretnete s viacer\u00fdmi hypot\u00e9kami. Niektor\u00e9 maj\u00fa vy\u0161\u0161ie spl\u00e1tky, in\u00e9 ni\u017e\u0161ie. Svoj v\u00fdber by ste si v\u0161ak mali dobre<\/b> premyslie\u0165<\/b>. Len tak sa vyhnete nev\u00fdhodn\u00fdm podmienkam a skryt\u00fdm poplatkom.
    \nV\u00fdborn\u00fdm pomocn\u00edkom pri v\u00fdbere hypot\u00e9ky je hypotek\u00e1rna kalkula\u010dka. Na jednom mieste z\u00edskate porovnanie dostupn\u00fdch \u00faverov a v\u0161etk\u00fdch podrobn\u00fdch inform\u00e1ci\u00ed.
    \nAk chcete pozna\u0165 skuto\u010dn\u00e9 n\u00e1klady, ktor\u00e9 v kone\u010dnom d\u00f4sledku zaplat\u00edte, zamerajte sa okrem v\u00fd\u0161ky spl\u00e1tky aj na ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov <\/b>(RPMN). V tomto \u00fadaji s\u00fa zapo\u010d\u00edtan\u00e9 pravideln\u00e9 aj jednorazov\u00e9 poplatky, napr\u00edklad poplatok za poskytnutie \u00faveru, poplatok za sprostredkovanie alebo poplatok za \u00faverov\u00fd \u00fa\u010det.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Ceny nehnute\u013enost\u00ed st\u00e1le rast\u00fa a z\u00edska\u0165 hypot\u00e9ku je \u010doraz n\u00e1ro\u010dnej\u0161ie. Rok 2022 nebude v\u00fdnimkou. Banky maj\u00fa nieko\u013eko noviniek a pravidiel, ktor\u00e9 mus\u00edte pri \u017eiadan\u00ed splni\u0165. … <\/p>\n","protected":false},"author":5,"featured_media":24770,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[310,291,56],"class_list":["post-21819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam","tag-banky","tag-hypoteka","tag-nehnutelnosti"],"yoast_head":"\nHypot\u00e9ka 2022: \u010co sa bude meni\u0165 a ak\u00e9 podmienky mus\u00edte splni\u0165?<\/title>\n<meta name=\"description\" content=\"Banky maj\u00fa nieko\u013eko noviniek a pravidiel, ktor\u00e9 mus\u00edte pri \u017eiadan\u00ed splni\u0165. \u010co v\u0161etko m\u00f4\u017eete o\u010dak\u00e1va\u0165 od bud\u00facoro\u010dn\u00fdch hypot\u00e9k a na \u010do sa pripravi\u0165?\" \/>\n<meta name=\"robots\" content=\"index, follow, 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