[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mojko.sk\/uroky-na-hypoteke\/#Article","mainEntityOfPage":"https:\/\/www.mojko.sk\/uroky-na-hypoteke\/","headline":"\u00daroky na hypot\u00e9ke","name":"\u00daroky na hypot\u00e9ke","description":"Viacero d\u00f4vodov m\u00f4\u017ee za to, \u017ee ekonomika stagnuje a ceny rast\u00fa. Aj ke\u010f sa na prv\u00fd poh\u013ead zd\u00e1, \u017ee na\u0161e...","datePublished":"2023-09-28","dateModified":"2023-09-28","author":{"@type":"Person","@id":"https:\/\/www.mojko.sk\/author\/#Person","name":"","url":"https:\/\/www.mojko.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mojko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mojko.sk\/wp-content\/uploads\/real-estate-6688945_1280-2.jpg","url":"https:\/\/www.mojko.sk\/wp-content\/uploads\/real-estate-6688945_1280-2.jpg","height":0,"width":0},"url":"https:\/\/www.mojko.sk\/uroky-na-hypoteke\/","about":["Ekonomika"],"wordCount":381,"articleBody":"Viacero d\u00f4vodov m\u00f4\u017ee za to, \u017ee ekonomika stagnuje a ceny rast\u00fa. Aj ke\u010f sa na prv\u00fd poh\u013ead zd\u00e1, \u017ee na\u0161e platy \u010di in\u00e9 pr\u00edjmy sa mierne zv\u00fd\u0161ili, ide naozaj iba o zanedbate\u013en\u00fa \u010diastku vzh\u013eadom na to, \u017ee ceny vo viacer\u00fdch odvetviach vysoko st\u00fapli. Ur\u010dite ste aj vy zaznamenali vysok\u00fd n\u00e1rast cien potrav\u00edn a to aj z\u00e1kladn\u00fdch druhov ako chlieb a mlieko. Takisto n\u00e1s nemilo prekvapili zvy\u0161uj\u00face sa ceny energi\u00ed. Aj ke\u010f sme boli na zvy\u0161uj\u00facu sa cenu elektriny \u010di vody pripraven\u00ed, nieko\u013ekon\u00e1sobne zvy\u0161ovanie zasko\u010dilo nie jedn\u00e9ho ob\u010dana. \u00a0\u00a0Jedin\u00fdm pozit\u00edvom drah\u00fdch nehnute\u013enost\u00ed a energi\u00ed boli n\u00edzke \u00faroky na hypot\u00e9kach. Mnoho \u013eud\u00ed si dok\u00e1zalo zriadi\u0165 vlastn\u00e9 b\u00fdvanie pr\u00e1ve v\u010faka dostupn\u00fdm hypot\u00e9kam, ktor\u00e9 n\u00e1m pon\u00fakali \u010dastokr\u00e1t hypot\u00e9ku s \u00farokom men\u0161\u00edm ako 1%. To dalo viacer\u00fdm rodin\u00e1m mo\u017enos\u0165 k\u00fapi\u0165 si aj drah\u0161iu nehnute\u013enos\u0165 a plati\u0165 mesa\u010dne ni\u017e\u0161iu spl\u00e1tku. No ur\u010dite ste u\u017e zaznamenali ve\u013ek\u00fd boom v oblasti \u00farokov na hypot\u00e9kach. Bolo jasn\u00e9, \u017ee \u00faroky na hodnot\u00e1ch pod 1% sa neudr\u017eia dlho, ale za posledn\u00e9 mesiace vzr\u00e1stli a to 400 n\u00e1sobne. Prakticky v dne\u0161nej dobe nen\u00e1jdete \u00farok pod 4%. \u00a0\u00a0Ako zvl\u00e1dnu\u0165 tak\u00e9to navy\u0161ovanie \u00farokov a \u010do to predstavuje pre va\u0161u hypot\u00e9ku? \u013dudia, ktor\u00ed mali hypot\u00e9ku okolo 60\u00a0000 \u20ac platili pri \u00farokoch okolo 0,5% pribli\u017ene 180 \u20ac mesa\u010dne. Samozrejme z\u00e1le\u017ealo na r\u00f4znych podmienkach ako d\u013a\u017eka spl\u00e1cania, refinancovanie a in\u00e9 d\u00f4vody. V\u017edy ale bola suma za hypot\u00e9ku v okol\u00ed 200 \u20ac. Dne\u0161n\u00e9 \u00faroky sa vy\u0161plhali no n\u00e1sobne vy\u0161\u0161ie a za n\u00edzke nav\u00fd\u0161enie hypot\u00e9ky v hodnote p\u00e4tn\u00e1s\u0165tis\u00edc eur zaplat\u00edte pri \u00faroku 4% mesa\u010dne 70 \u20ac. \u010co to potom predstavuje pre rodiny, ktor\u00e9 si bud\u00fa \u017eiada\u0165 hypot\u00e9ku vo v\u00fd\u0161ke 200 000 \u20ac? Ide o mesa\u010dn\u00fa sumu v\u00a0hodnote okolo 1000 \u20ac, \u010do si m\u00f4\u017ee dovoli\u0165 m\u00e1lo. Preto bu\u010f sa uskromn\u00edte a\u00a0k\u00fapite si lacn\u00fa nehnute\u013enos\u0165 alebo budete na zni\u017eovanie \u00farokov \u010daka\u0165, k\u00fdm neklesn\u00fa na ni\u017e\u0161iu hodnotu.                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00daroky na hypot\u00e9ke","item":"https:\/\/www.mojko.sk\/uroky-na-hypoteke\/#breadcrumbitem"}]}]