{"id":1227,"date":"2018-09-05T10:28:38","date_gmt":"2018-09-05T08:28:38","guid":{"rendered":"https:\/\/financer.sk\/?page_id=1227"},"modified":"2024-09-30T14:28:51","modified_gmt":"2024-09-30T12:28:51","slug":"hypoteka-pre-mladych","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/hypoteka\/hypoteka-pre-mladych\/","title":{"rendered":"Hypot\u00e9ka pre mlad\u00fdch"},"content":{"rendered":"\n<p>Sme presved\u010den\u00ed, \u017ee\u00a0<strong>ka\u017ed\u00fd mlad\u00fd \u010dlovek sn\u00edva o samostatnom b\u00fdvan\u00ed bez rodi\u010dov<\/strong>\u00a0a pod\u013ea vlastn\u00fdch pravidiel. Pokia\u013e sa nenarodil pod \u0161\u0165astnou hviezdou, je pre neho nadobudnutie vlastn\u00e9ho b\u00fdvania bez pomoci\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>, alebo\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">\u00faveru na b\u00fdvanie<\/a>\u00a0pomerne n\u00e1ro\u010dnou \u00falohou.<\/p>\n\n\n\n<p>Pre mlad\u00fdch \u013eud\u00ed do 35 rokov existuje \u0161peci\u00e1lna\u00a0<strong>hypot\u00e9ka pre mlad\u00fdch<\/strong>, ktor\u00e1 m\u00e1 v porovnan\u00ed s be\u017enou hypot\u00e9kou viacer\u00e9 v\u00fdhody. Dnes si ich vysvetl\u00edme a upozorn\u00edme v\u00e1s, k ak\u00fdm zmen\u00e1m do\u0161lo v posledn\u00fdch rokoch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Znen_rokov_sadzba\">Zn\u00ed\u017een\u00e1 \u00farokov\u00e1 sadzba<\/h2>\n\n\n\n<p>Po\u010das roku 2017 sa hypot\u00e9ky pre mlad\u00fdch vyzna\u010dovali\u00a0<strong>zv\u00fdhodnenou \u00farokovou sadzbou vo v\u00fd\u0161ke 3 %<\/strong>, pri\u010dom dve percent\u00e1 \u201eodtiahol\u201c \u0161t\u00e1t a zvy\u0161n\u00e9 jedno percento banka, \u010do bola v podstate forma \u0161t\u00e1tneho pr\u00edspevku pre mlad\u00fdch.<\/p>\n\n\n\n<p>Od za\u010diatku roku 2018 v\u0161ak hypotek\u00e1rny \u00faver pre mlad\u00fdch pre\u0161iel v\u00fdrazn\u00fdmi zmenami. Od 1. janu\u00e1ra 2018 toti\u017e Ministerstvo financi\u00ed Slovenskej republiky zaviedlo\u00a0<strong>namiesto zv\u00fdhodnenej \u00farokovej sadzby\u00a0da\u0148ov\u00fd bonus.<\/strong><\/p>\n\n\n\n<p>V s\u00fa\u010dasnosti je tak\u00a0<strong>zaveden\u00e1 odpo\u010d\u00edtate\u013en\u00e1 polo\u017eka od da\u0148ovej povinnosti<\/strong>. Ak mlad\u00fd \u010dlovek sp\u013a\u0148aj\u00faci podmienky vezme hypot\u00e9ku v roku 2023, v da\u0148ovom priznan\u00ed za tento rok si m\u00f4\u017ee pri hypot\u00e9ke uplatni\u0165 spom\u00ednan\u00fd da\u0148ov\u00fd bonus.<\/p>\n\n\n\n<p>T\u00fdm p\u00e1dom\u00a0<strong>m\u00f4\u017ee by\u0165 bonus vy\u00fa\u010dtovan\u00fd jednor\u00e1zovo a v\u00fdsledkom je menej administr\u00e1cie<\/strong>. Ur\u010dite sa ale p\u00fdtate, ak\u00e1 je v\u00fd\u0161ka moment\u00e1lneho da\u0148ov\u00e9ho bonusu.<\/p>\n\n\n\n<p>Da\u0148ov\u00fd bonus na \u00faroky z hypot\u00e9ky je mo\u017en\u00e9 uplatni\u0165 vo v\u00fd\u0161ke 50 % zo zaplaten\u00fdch \u00farokov v ur\u010ditom kalend\u00e1rnom roku,\u00a0<strong>najviac v\u0161ak vo v\u00fd\u0161ke 400 eur za jeden rok.<\/strong><\/p>\n\n\n\n<p><strong>V roku 2018 existovali dva syst\u00e9my s\u00fa\u010dasne,<\/strong>\u00a0pri\u010dom p\u00f4vodn\u00fd syst\u00e9m pripisovania \u0161t\u00e1tneho pr\u00edspevku pre mlad\u00fdch skon\u010dil koncom roku 2018 a od roku 2019 je v platnosti u\u017e len hypot\u00e9ka pre mlad\u00fdch s da\u0148ov\u00fdm bonusom.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hypotka_pre_mladch_podmienky\">Hypot\u00e9ka pre mlad\u00fdch podmienky<\/h2>\n\n\n\n<p>Na to, aby ste si mohli uplatni\u0165 novozaveden\u00fd da\u0148ov\u00fd bonus pri pod\u00e1van\u00ed da\u0148ov\u00e9ho priznania, <strong>mus\u00edte splni\u0165 nieko\u013eko podmienok<\/strong>.<\/p>\n\n\n\n<p>Podmienky t\u00fdkaj\u00face sa hypot\u00e9ka a nehnute\u013enosti: <\/p>\n\n\n\n<ul>\n<li>Mus\u00ed \u00eds\u0165 o prv\u00fa hypot\u00e9ku \u017eiadate\u013eov<\/li>\n\n\n\n<li>\u00da\u010delom hypot\u00e9ky mus\u00ed by\u0165 nadobudnutie, v\u00fdstavba, dostavba alebo rekon\u0161trukcia nehnute\u013enosti<\/li>\n\n\n\n<li>Vz\u0165ahuje sa len na 1 hypot\u00e9ku a 1 nehnute\u013enos\u0165<\/li>\n\n\n\n<li>Dan\u00e1 nehnute\u013enos\u0165 mus\u00ed by\u0165 ur\u010den\u00e1 na b\u00fdvanie<\/li>\n<\/ul>\n\n\n\n<p>Podmienky t\u00fdkaj\u00face sa \u017eiadate\u013eov:<\/p>\n\n\n\n<ul>\n<li>Vek medzi 18 a\u017e 35 rokov<\/li>\n\n\n\n<li>Pr\u00edjem\u00a0nesmie by\u0165 vy\u0161\u0161\u00ed ako 1,3-n\u00e1sobok priemernej mesa\u010dnej mzdy<\/li>\n\n\n\n<li>Bonus\u00a0len na\u00a0v\u00fd\u0161ku \u00faveru do 50 000 eur<\/li>\n\n\n\n<li>V\u00fdhody platia po\u010das\u00a0prv\u00fdch 5 rokov spl\u00e1cania.<\/li>\n<\/ul>\n\n\n\n<p>Pre tento \u00fa\u010del 5 rokov znamen\u00e1 60 po sebe id\u00facich kalend\u00e1rnych mesiacov. Ak \u00faver na b\u00fdvanie za\u010dnete spl\u00e1ca\u0165 po\u010das roka, <strong>m\u00e1te n\u00e1rok na pomern\u00fa \u010das\u0165 da\u0148ov\u00e9ho bonusu za zaplaten\u00e9 \u00faroky. <\/strong>Pre lep\u0161ie pochopenie fungovania da\u0148ov\u00e9ho bonusu je dostupn\u00e1 aj hypotek\u00e1rna kalkula\u010dka, no my v\u00e1m to vysvetl\u00edme na dvoch pr\u00edkladoch.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Prklad_\">Pr\u00edklad <\/h3><!-- wp:paragraph -->\n<em><strong>J\u00e1n m\u00e1 28 rokov, je \u017eivnostn\u00edk a v roku 2023 si vezme hypotek\u00e1rny \u00faver.<\/strong> Jeho mesa\u010dn\u00fd pr\u00edjem je 2 500 EUR. V da\u0148ovom priznan\u00ed si uplatn\u00ed pau\u0161\u00e1lne v\u00fddavky a v\u00fddavky na odvody do zdravotnej pois\u0165ovne vo v\u00fd\u0161ke 2 000 EUR. Jeho z\u00e1klad dane bude 10 000 EUR (30 000 EUR ro\u010dn\u00e9 pr\u00edjmy \u2013 18 000 EUR pau\u0161\u00e1lne v\u00fddavky \u2013 2 000 EUR odvody.<\/em>\n<em><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/em>\n<em>J\u00e1nov priemern\u00fd mesa\u010dn\u00fd pr\u00edjem za rok 2023 je jedna dvan\u00e1stina zo sumy 30 000 EUR, tak\u017ee 2 500 EUR. Ak budeme vych\u00e1dza\u0165 z predpokladu, \u017ee priemern\u00e1 mesa\u010dn\u00e1 mzda za rok 2019 bude 950 EUR, jej 1,3 n\u00e1sobok je suma 1 235 EUR. J\u00e1novi by tak nevznikol n\u00e1rok na da\u0148ov\u00fd bonus na \u00faroky z hypot\u00e9ky, nako\u013eko jeho priemern\u00fd mesa\u010dn\u00fd pr\u00edjem je vy\u0161\u0161\u00ed ako 1,3 n\u00e1sobok priemernej mesa\u010dnej mzdy (1 235 EUR)<\/em>\n<!-- \/wp:paragraph --><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Porovnajte p\u00f4\u017ei\u010dky od 19 poskytovate\u013eov<\/h3><p>N\u00e1jdite najlacnej\u0161iu sadzbu jedn\u00fdm kliknut\u00edm<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"1000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=1080\" data-slider-url=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=1080\" data-required=\"vysledky?query=1param_amount=1000&param_period=1080&\" class=\"get_results compare button is-primary is-medium is-rounded\">Porovna\u0165 ponuky<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Daov_bonus_na_hypotku_pre_mladch_\">Da\u0148ov\u00fd bonus na hypot\u00e9ku pre mlad\u00fdch <\/h2>\n\n\n\n<p>Je viac ne\u017e pravdepodobn\u00e9, \u017ee svoju hypot\u00e9ku si nevezmete presne 1. janu\u00e1ra, ale ktor\u00fdko\u013evek in\u00fd mesiac a de\u0148 v roku. V takomto pr\u00edpade m\u00e1te n\u00e1rok na\u00a0<strong>pomern\u00fa \u010das\u0165 da\u0148ov\u00e9ho bonusu<\/strong>, ktorej spr\u00e1vne fungovanie si op\u00e4\u0165 vysvetl\u00edme na jednoduchom pr\u00edklade.<\/p>\n\n\n\n<p>Ako sme u\u017e spom\u00ednali, n\u00e1rok na da\u0148ov\u00fd bonus vznik\u00e1 po\u010das piatich po sebe id\u00facich nasleduj\u00facich rokov. Toto obdobie sa za\u010d\u00edna r\u00e1ta\u0165 od za\u010diatku mesiaca, v ktorom sa za\u010dalo \u00faro\u010denie va\u0161ej hypot\u00e9ky.\u00a0<strong>Na pomern\u00fa \u010das\u0165 da\u0148ov\u00e9ho bonusu\u00a0<\/strong>m\u00e1te n\u00e1rok nie len po\u010das za\u010diato\u010dn\u00e9ho roku spl\u00e1cania, ale aj<strong>\u00a0v roku, v ktorom uplynie p\u00e4\u0165ro\u010dn\u00e1 lehota\u00a0<\/strong>pre uplatnenie n\u00e1roku na da\u0148ov\u00fd bonus.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Prklad_\">Pr\u00edklad <\/h3><em><strong>\u00daro\u010denie va\u0161ej hypot\u00e9ky za\u010dne v okt\u00f3bri 2023.<\/strong> V roku 2023 si m\u00f4\u017eete uplatni\u0165 pomern\u00fa \u010das\u0165 da\u0148ov\u00e9ho bonusu na zaplaten\u00e9 \u00faroky z hypot\u00e9ky pripadaj\u00facu na 2 kalend\u00e1rne mesiace (november a\u017e december), \u010do je maxim\u00e1lne 66,66 EUR. Rovnako tomu bude aj v roku 2028, pri\u010dom da\u0148ov\u00fd bonus sa v tomto pr\u00edpade uplatn\u00ed za mesiace janu\u00e1r a\u017e okt\u00f3ber.<\/em><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hypotka_pre_manelov\">Hypot\u00e9ka pre man\u017eelov<\/h2>\n\n\n\n<p>Pomerne be\u017enou z\u00e1le\u017eitos\u0165ou je hypot\u00e9ka, ktor\u00fa si berie mlad\u00fd man\u017eelsk\u00fd p\u00e1r. Aj v takomto pr\u00edpade je mo\u017en\u00e9 uplatni\u0165 si da\u0148ov\u00fd bonus, <strong>podmienky v porovnan\u00ed s jednotlivcom s\u00fa v\u0161ak mierne odli\u0161n\u00e9<\/strong>.<\/p>\n\n\n\n<p>Napr\u00edklad,\u00a0<strong>da\u0148ov\u00fd bonus si z dvojice spoludl\u017en\u00edkov m\u00f4\u017ee uplatni\u0165 iba jeden<\/strong>. Druh\u00fd z man\u017eelskej alebo partnerskej dvojice si ho nem\u00f4\u017ee uplatni\u0165. Obaja v\u0161ak musia sp\u013a\u0148a\u0165 podmienku veku a podmienku pr\u00edjmu. V pr\u00edpade man\u017eelov a partnerov sa pri r\u00e1tan\u00ed priemernej mzdy berie do \u00favahy nie 1,3-n\u00e1sobok, ako pri jednotlivcovi, ale 2-n\u00e1sobok. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Modelov_situcia_\">Modelov\u00e1 situ\u00e1cia <\/h3><!-- wp:paragraph -->\n<em>Jozef (27 rokov) a Eva (29 rokov) po\u017eiadali v roku 2023 o hypot\u00e9ku na v\u00fdstavbu domu. Ich banka hypotek\u00e1rny \u00faver schv\u00e1li. Priemern\u00fd mesa\u010dn\u00fd pr\u00edjem Jozefa je 1 400 EUR a priemern\u00fd mesa\u010dn\u00fd pr\u00edjem Evy je 1 400 EUR.<\/em>\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\n<em>Priemern\u00e1 mesa\u010dn\u00e1 mzda v roku 2022 bola 1295 EUR. T\u00fa vyn\u00e1sob\u00edme koeficientom 1,3, \u010do je 1684 EUR. T\u00fato sumu e\u0161te n\u00e1sob\u00edme dvojkou a teda n\u00e1m limit maxim\u00e1lneho pr\u00edjmu dvojice vych\u00e1dza na 3368 EUR.\u00a0<\/em>\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\n<em>S\u00fa\u010det priemern\u00fdch mesa\u010dn\u00fdch pr\u00edjmov Jozefa a Evy je 2800 EUR (1400+1400), je ni\u017e\u0161\u00ed ako limit pr\u00edjmu pre uplatnenie da\u0148ov\u00e9ho bonusu na \u00faroky z hypot\u00e9ky. M\u00f4\u017ee si ho tak jeden z nich uplatni\u0165.<\/em>\n<!-- \/wp:paragraph --><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_si_uplatni_daov_bonus_na_hypotku_\">Ako si uplatni\u0165 da\u0148ov\u00fd bonus na hypot\u00e9ku? <\/h2>\n\n\n\n<p>Pre uplatnenie da\u0148ov\u00e9ho bonusu<strong> je potrebn\u00e9 z\u00edska\u0165 od banky, kde m\u00e1te hypot\u00e9ku, potvrdenie o v\u00fd\u0161ke zaplaten\u00fdch \u00farokov. <\/strong>N\u00e1sledne uplatnenie da\u0148ov\u00e9ho bonusu m\u00f4\u017ee potom prebieha\u0165 dvoma sp\u00f4sobmi:<\/p>\n\n\n\n<ul>\n<li>Do 15. febru\u00e1ra je potrebn\u00e9 zamestn\u00e1vate\u013eovi predlo\u017ei\u0165 potvrdenie o zaplaten\u00fdch \u00farokoch. V\u00fdpo\u010det u\u017e za v\u00e1s sprav\u00ed \u00fa\u010dtovn\u00e9 oddelenie.<\/li>\n\n\n\n<li>Pri pod\u00e1van\u00ed da\u0148ov\u00e9ho priznania je potrebn\u00e9 k da\u0148ov\u00e9mu priznaniu prilo\u017ei\u0165 k\u00f3piu potvrdenia vystaven\u00e9ho bankou. \u010cas na podanie da\u0148ov\u00e9ho priznania je obyvkle do konca marca alebo j\u00fana. V tomto pr\u00edpade si mus\u00edte fakt, \u010di sp\u013a\u0148ate podmienky overi\u0165 vy sami.<\/li>\n<\/ul>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Ako u\u0161etri\u0165 <span class=\"compare-amount\">257,00 \u20ac <\/span> na va\u0161ej p\u00f4\u017ei\u010dke<\/h3>\n\t\t\t\t<p>Cenov\u00fd rozdiel pre p\u00f4\u017ei\u010dku 1&nbsp;000,00 \u20ac v 90 d\u0148och je 257,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.sk\/vysledky\/?query=1&filter_non_affiliate=1&param_amount=1000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Zistite ako<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Ako_si_najlepiu_hypotku_pre_mladch\">Ako si najlep\u0161iu hypot\u00e9ku pre mlad\u00fdch?<\/h2>\n\n\n\n<p><strong>Neexistuje v\u0161eobecne platn\u00e1 odpove\u010f<\/strong> na to, ako vo va\u0161om pr\u00edpade postupova\u0165 a \u010di je da\u0148ov\u00fd bonus v\u00fdhodn\u00fd, respekt\u00edve \u010di si ho nakoniec budete m\u00f4c\u0165 uplatni\u0165. <\/p>\n\n\n\n<p><strong>Je potrebn\u00e9 toti\u017e zoh\u013eadni\u0165 ve\u013ea faktorov,<\/strong> ako napr\u00edklad celkov\u00e1 v\u00fd\u0161ka hypot\u00e9ky, hodnota nehnute\u013enosti, aktu\u00e1lna situ\u00e1cia na trhu s nehnute\u013enos\u0165ami, na bankovom trhu a podobne. Netreba zab\u00fada\u0165 na to, \u017ee hypot\u00e9ka pozna\u010d\u00ed takmer v\u00e1\u0161 cel\u00fd \u010fal\u0161\u00ed \u017eivot.<\/p>\n\n\n\n<p><strong>Pri v\u00fdbere hypot\u00e9ky odpor\u00fa\u010dame zameriava\u0165 sa na nasledovn\u00e9 body:<\/strong><\/p>\n\n\n\n<ul>\n<li>Zvo\u013ete kvalitn\u00e9 porovnanie dostupn\u00fdch pon\u00fak<\/li>\n\n\n\n<li>Porovn\u00e1vajte obdobie fix\u00e1cie \u00faroku<\/li>\n\n\n\n<li>Porovn\u00e1vajte ro\u010dn\u00fa v\u00fd\u0161ku \u00faroku<\/li>\n\n\n\n<li>H\u013eadajte \u010do najjednoduch\u0161ie podmienky<\/li>\n\n\n\n<li>Dbajte na \u010do najni\u017e\u0161iu mesa\u010dn\u00fa spl\u00e1tku<\/li>\n\n\n\n<li>Na spl\u00e1canie si vyberte bezplatn\u00fd \u00fa\u010det<\/li>\n\n\n\n<li>H\u013eadajte hypot\u00e9ku bez poplatku za schv\u00e1lenie<\/li>\n\n\n\n<li>P\u00fdtajte sa na prepl\u00e1canie v\u00fddavkov<\/li>\n<\/ul>\n\n\n\n<p>Ak si chcete by\u0165 ist\u00ed, \u017ee ste si vybrali najv\u00fdhodnej\u0161iu ponuku, vyu\u017eite <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">na\u0161e porovnanie hypot\u00e9k<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vvoj_cien_bytov\">V\u00fdvoj cien bytov<\/h2>\n\n\n\n<p>Realitn\u00fd trh Slovenskej republiky za\u017eil prv\u00fd v\u00fdrazn\u00fd n\u00e1rast kr\u00e1tko po vstupe do Eur\u00f3pskej \u00fanie. Tento <strong>n\u00e1rast a ukon\u010denie prvej realitnej bubliny sa skon\u010dil na prelome rokov 2008 a 2009<\/strong>, kedy ceny zrazila dolu svetov\u00e1 ekonomick\u00e1 kr\u00edza. Nasledovalo obdobie miernej stagn\u00e1cie a ust\u00e1lenia cien, pri\u010dom cenov\u00e9 dno bolo dosiahnut\u00e9 pribli\u017ene v roku 2013.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min.png\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min.png\" alt=\"\" class=\"wp-image-2880\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min.png 1280w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min-300x169.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min-1024x576.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min-768x432.png 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/a><\/figure><\/div>\n\n\n<p>Po tomto roku je na realitnom trhu badate\u013en\u00fd postupn\u00fd n\u00e1rast cien, ktor\u00fd vyvrcholil v uplynulom roku. <strong>S\u00fa\u010dasn\u00e1 priemern\u00e1 cena za 1 m\u00b2 sa pohybuje okolo 2 462 \u20ac<\/strong>. Samozrejme, je potrebn\u00e9 bra\u0165 do \u00favahy samotn\u00fa polohu nehnute\u013enosti z h\u013eadiska samospr\u00e1vneho kraja, v ktorom sa nach\u00e1dza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody_hypotky_pre_mladch\">V\u00fdhody hypot\u00e9ky pre mlad\u00fdch<\/h3><li><p>Porovnanie ponuky viacer\u00fdch b\u00e1nk<\/p>\n<\/li><li><p>Da\u0148ov\u00fd bonus aj pre \u00favery na b\u00fdvanie<\/p>\n<\/li><li><p>Ni\u017e\u0161ie \u00faroky<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Nevhody_hypotky_pre_mladch\">Nev\u00fdhody hypot\u00e9ky pre mlad\u00fdch<\/h3><li><p>Viac byrokracie<\/p>\n<\/li><li><p>Bez da\u0148ov\u00e9ho bonusu, ak nem\u00e1te ofici\u00e1lny pr\u00edjem<\/p>\n<\/li><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>Sme presved\u010den\u00ed, \u017ee\u00a0ka\u017ed\u00fd mlad\u00fd \u010dlovek sn\u00edva o samostatnom b\u00fdvan\u00ed bez rodi\u010dov\u00a0a pod\u013ea vlastn\u00fdch pravidiel. Pokia\u013e sa nenarodil pod \u0161\u0165astnou hviezdou,\u2026 <\/p>\n","protected":false},"author":87,"featured_media":78950,"parent":616,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1107],"tags":[49],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1227"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=1227"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1227\/revisions"}],"predecessor-version":[{"id":79065,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/1227\/revisions\/79065"}],"up":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78950"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=1227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=1227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=1227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}