{"id":7038,"date":"2020-03-14T18:45:52","date_gmt":"2020-03-14T17:45:52","guid":{"rendered":"https:\/\/financer.sk\/?page_id=7038"},"modified":"2024-10-16T00:41:40","modified_gmt":"2024-10-15T22:41:40","slug":"analyza-vynosnosti","status":"publish","type":"page","link":"https:\/\/financer.sk\/investovanie\/investovanie-do-nehnutelnosti\/analyza-vynosnosti\/","title":{"rendered":"Anal\u00fdza v\u00fdnosnosti investovania do nehnute\u013enost\u00ed"},"content":{"rendered":"\n<p>R\u00e1tajme s t\u00fdm, \u017ee u\u017e pribli\u017ene viete, <a href=\"https:\/\/financer.sk\/sporenie\/investovanie-do-nehnutelnosti\/\">ako za\u010da\u0165 investova\u0165 do nehnute\u013enost\u00ed<\/a> a ak\u00e9 faktory zoh\u013ead\u0148ova\u0165 pri jej v\u00fdbere. <\/p>\n\n\n\n<p>Uk\u00e1\u017eeme si, ako spr\u00e1vne analyzova\u0165 v\u00e1\u0161 celkov\u00fd v\u00fdnos pri tak\u00fdchto invest\u00edci\u00e1ch, pre\u010do si na invest\u00edciu do nehnute\u013enosti po\u017ei\u010da\u0165, \u010do v\u0161etko je potrebn\u00e9 bra\u0165 do \u00favahy a s ak\u00fdmi n\u00e1kladmi r\u00e1ta\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Monosti_investovania\">Mo\u017enosti investovania<\/h2>\n\n\n\n<p>V prvom rade je d\u00f4le\u017eit\u00e9 uk\u00e1za\u0165 si, ak\u00e9 m\u00e1me pri tomto type investovania mo\u017enosti. Tie z\u00e1visia od v\u00fd\u0161ky vkladu, ktor\u00fd ste ochotn\u00ed investova\u0165 a zhodnocova\u0165.<\/p>\n\n\n\n<p>Ak nedisponujete dostato\u010dne vysok\u00fdm vlastn\u00fdm kapit\u00e1lom, ktor\u00fd je u\u017e dnes pre z\u00edskanie <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a> nevyhnutn\u00fd, preto\u017ee banky v\u00e1m u\u017e nebud\u00fa financova\u0165 100 % z ceny nehnute\u013enosti, st\u00e1le m\u00f4\u017eete investova\u0165.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investcie_s_minimlnym_vkladom_vlastnch_prostriedkov\">Invest\u00edcie s minim\u00e1lnym vkladom vlastn\u00fdch prostriedkov<\/h3>\n\n\n\n<p>Prvou z mo\u017enost\u00ed je zdie\u013ean\u00e9 investovanie do nehnute\u013enost\u00ed, kedy spolo\u010dne s in\u00fdmi \u010diastkov\u00fdmi investormi financujete v\u00fdstavbu vami zvolenej nehnute\u013enosti a v z\u00e1vislosti od v\u00fd\u0161ky v\u00e1\u0161ho vkladu si pripisujete mesa\u010dn\u00e9 v\u00fdnosy.<\/p>\n\n\n\n<p>T\u00e1to forma investovania je v na\u0161ich kon\u010din\u00e1ch st\u00e1le pomerne nezn\u00e1ma, no u\u017e od roku 2015 funguje <a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\">est\u00f3nska platforma EstateGuru<\/a>, ktor\u00e1 presne tak\u00e9to invest\u00edcie sprostredk\u00fava. Jej \u00falohou je sp\u00e1ja\u0165 realitn\u00e9 spolo\u010dnosti s \u010diastkov\u00fdmi investormi, ktor\u00ed bud\u00fa sa bud\u00fa spolupodie\u013ea\u0165 na financovan\u00ed v\u00fdstavy ich projektov.<\/p>\n\n\n\n<p>Najv\u00e4\u010d\u0161ia v\u00fdhoda je vo v\u00fd\u0161ke kapit\u00e1lu. S EstateGuru m\u00f4\u017eete investova\u0165 do nehnute\u013enost\u00ed u\u017e od 50 EUR mesa\u010dne, pri\u010dom ro\u010dn\u00e9 v\u00fdnosy tak\u00fdchto invest\u00edci\u00ed sa pohybuj\u00fa na hranici 10 %.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"1069\" height=\"359\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo.png 1069w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-300x101.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-1024x344.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/08\/estateguru-logo-768x258.png 768w\" sizes=\"(max-width: 1069px) 100vw, 1069px\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00e9 <strong>1&nbsp;552<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >0,5% Cashback Bonus<\/li><li >Priemern\u00fd ro\u010dn\u00fd v\u00fdnos 12,27%<\/li><li >Minim\u00e1lny vklad 50 EUR<\/li><li >Zhodnotenie od 12 do 60 mesiacov<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3974\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\"  >Zobrazi\u0165 ponuku<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/\"  class=\"button is-rounded items-content__card-more-info\">Viac inform\u00e1ci\u00ed<\/a><a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.9\">4.9<\/span><\/a><span class=\"items-content__card-reviews\">\u010d\u00edta\u0165&nbsp;<a href=\"https:\/\/financer.sk\/spolocnost\/estateguru\/#read-reviews\">7<\/strong>&nbsp;hodnoten\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Investcie_s_vym_vkladom_vlastnch_prostriedkov\">Invest\u00edcie s vy\u0161\u0161\u00edm vkladom vlastn\u00fdch prostriedkov<\/h3>\n\n\n\n<p>Druhou mo\u017enos\u0165ou investovania, s ktorou bude r\u00e1ta\u0165 aj na\u0161a anal\u00fdza v\u00fdnosnosti invest\u00edcie je invest\u00edcia, pri ktorej m\u00e1te viac vlastn\u00fdch finan\u010dn\u00fdch prostriedkov. Ku k\u00fape nehnute\u013enosti si u\u017e len &#8220;dopom\u00f4\u017eete&#8221; takzvan\u00fdm p\u00e1kov\u00fdm efektom &#8211; vyu\u017eit\u00edm extern\u00e9ho financovania cez hypot\u00e9ku od banky.<\/p>\n\n\n\n<p>Dne\u0161n\u00e1 situ\u00e1cia na realitnom trhu a nariadenia N\u00e1rodnej banky Slovenska, ktor\u00e9 op\u00e4\u0165 spr\u00edsnili mo\u017enosti \u010derpa\u0165 hypot\u00e9ku znamenaj\u00fa, \u017ee banky v\u00e1m po\u017ei\u010daj\u00fa maxim\u00e1lne 80 % z ceny nehnute\u013enosti.<\/p>\n\n\n\n<p>Ak uva\u017eujete o k\u00fape vlastnej nehnute\u013enosti za \u00fa\u010delom bud\u00faceho pren\u00e1jmu, mali by ste ma\u0165 pripraven\u00fdch minim\u00e1lne 20 % z ceny nehnute\u013enosti.<\/p>\n\n\n\n<div class='fn_block block_fn_msg_box cost search-hero--bg1'><h3>Po\u017eieraj\u00fa va\u0161e zisky vysok\u00e9 poplatky brokerov?<\/h3><p>U\u0161etrite 500 \u20ac+ ro\u010dne v\u00fdberom spr\u00e1vneho makl\u00e9ra.<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.sk\/investovanie\/najlepsi-akciovi-brokeri\/' class='button is-normal is-primary is-rounded'>Pozrite si najlep\u0161\u00edch burzov\u00fdch makl\u00e9rov<\/a><\/p><\/div><h2 class=\"wp-block-heading\" id=\"Analza_vnosnosti\">Anal\u00fdza v\u00fdnosnosti<\/h2>\n\n\n\n<p>Pred t\u00fdm, ne\u017e v\u00f4bec za\u010dneme, je potrebn\u00e9 vzia\u0165 do \u00favahy v\u0161etky faktory pri samotnej k\u00fape nehnute\u013enosti. <\/p>\n\n\n\n<p>Nejde len o jednoduch\u00fd vzorec, pri ktorom zoberieme do \u00favahy\u00a0<strong>cenu nehnute\u013enosti, v\u00fd\u0161ku spl\u00e1tky hypot\u00e9ky, v\u00fd\u0161ku n\u00e1jmu a cenu energi\u00ed<\/strong>\u00a0pri\u010dom spl\u00e1tku a cenu energi\u00ed odr\u00e1tatame od mesa\u010dn\u00e9ho n\u00e1jmu a dostaneme \u010dist\u00fd v\u00fdnos.<\/p>\n\n\n\n<p>To nesta\u010d\u00ed. Pri hlb\u0161ej anal\u00fdze v\u00fdnosnosti mus\u00edme bra\u0165 do \u00favahy viac faktorov. Tu s\u00fa najd\u00f4le\u017eitej\u0161ie z nich:<\/p>\n\n\n\n<ol class=\"is-style-default\">\n<li>Cena nehnute\u013enosti<\/li>\n\n\n\n<li>Rozloha bytu<\/li>\n\n\n\n<li>V\u00fd\u0161ka \u00faveru \/ \u00farokov\u00e1 sadzba<\/li>\n\n\n\n<li>Vlastn\u00e9 prostriedky<\/li>\n\n\n\n<li>Opravy \/ dodato\u010dn\u00e9 invest\u00edcie<\/li>\n\n\n\n<li>N\u00e1klady s\u00favisiace s predajom<\/li>\n\n\n\n<li>V\u00fd\u0161ka n\u00e1jomn\u00e9ho<\/li>\n\n\n\n<li>Cena energi\u00ed<\/li>\n\n\n\n<li>Poplatok za TV \/ internet<\/li>\n\n\n\n<li>Poistenie nehnute\u013enosti<\/li>\n\n\n\n<li>Rezerva na opravy<\/li>\n\n\n\n<li>Rezerva na obdobie bez n\u00e1jomn\u00edka<\/li>\n\n\n\n<li>Da\u0148 z nehnute\u013enosti<\/li>\n\n\n\n<li>Predpokladan\u00fd rast ceny nehnute\u013enosti<\/li>\n<\/ol>\n\n\n\n<p>Z pomerne jednoduch\u00e9ho vzorca sa tak po zv\u00e1\u017een\u00ed v\u0161etk\u00fdch relevantn\u00fdch faktorov st\u00e1va zlo\u017eitej\u0161\u00ed v\u00fdpo\u010det. Pok\u00fasime sa v\u0161ak o z\u00e1kladn\u00fd v\u00fdpo\u010det zoh\u013ead\u0148uj\u00faci viac faktorov. Pre lep\u0161iu ilustr\u00e1ciu anal\u00fdzy ziskovosti si predstavme nehnute\u013enos\u0165 o ktor\u00fa m\u00e1me z\u00e1ujem.<\/p>\n\n\n\n<p><strong>Chceme k\u00fapi\u0165 2-izbov\u00fd zrekon\u0161truovan\u00fd byt v bl\u00edzkosti centra v\u00e4\u010d\u0161ieho slovensk\u00e9ho krajsk\u00e9ho mesta s rozlohou 50 m\u00b2 za 100 000 EUR<\/strong>, kde sa potenci\u00e1lna v\u00fd\u0161ka n\u00e1jomn\u00e9ho pohybuje na hranici 500 EUR \/ mesa\u010dne.\u00a0<\/p>\n\n\n\n<p>Banka n\u00e1m schv\u00e1lila financovanie 80 % ceny nehnute\u013enosti s fix\u00e1ciou \u00faroku na 5 rokov, dobou splatnosti 30 rokov a \u00farokovou sadzbou 1,70 % ro\u010dne.<\/p>\n\n\n\n<p>To znamen\u00e1, \u017ee na dofinancovanie plnej ceny nehnute\u013enosti budeme potrebova\u0165 20 000 EUR vlastn\u00fdch finan\u010dn\u00fdch prostriedkov.<\/p>\n\n\n\n<ul class=\"is-style-default\">\n<li>Cena nehnute\u013enosti: 100 000 EUR<\/li>\n\n\n\n<li>Prostriedky od banky: 80 000 EUR<\/li>\n\n\n\n<li>\u00darokov\u00e1 sadzba: 1,70 % \/ ro\u010dne<\/li>\n\n\n\n<li>Mesa\u010dn\u00e1 spl\u00e1tka \u00faveru: 283 EUR<\/li>\n\n\n\n<li>Mo\u017en\u00fd mesa\u010dn\u00fd n\u00e1jom: 500 EUR<\/li>\n\n\n\n<li>Poplatok za energie: 120 EUR<\/li>\n<\/ul>\n\n\n\n<p>Ak chcete by\u0165 pri anal\u00fdze ziskovosti presn\u00ed, mus\u00edte si uvedomi\u0165 \u0161tyri z\u00e1kladn\u00e9 veci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pkov_efekt\">P\u00e1kov\u00fd efekt<\/h3>\n\n\n\n<p>Prvou je skuto\u010dnos\u0165, \u017ee <strong>po\u017ei\u010dan\u00fdch pe\u0148az\u00ed sa nemus\u00edte b\u00e1\u0165<\/strong>. Laicky povedan\u00e9 toti\u017e plat\u00ed, \u017ee pokia\u013e budete ma\u0165 va\u0161u nehnute\u013enos\u0165 prenajat\u00fa nieko\u013eko rokov, o spl\u00e1tky va\u0161ej hypot\u00e9ky a \u00farokov sa nestar\u00e1te vy s\u00e1m, ale v\u00e1\u0161 n\u00e1jomca, ktor\u00fd va\u0161u hypot\u00e9ku spl\u00e1ca za v\u00e1s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sprvne_ROI\">Spr\u00e1vne ROI<\/h3>\n\n\n\n<p>Druhou je <strong>spr\u00e1vny v\u00fdpo\u010det n\u00e1vratnosti invest\u00edcie<\/strong>, kedy nepo\u010d\u00edtate v\u00fdnos z celkovej ceny nehnute\u013enosti (v na\u0161om pr\u00edpade 100 000 EUR) ale iba z \u010diastky, ktor\u00fa ste sami do nehnute\u013enosti vlo\u017eili ( v na\u0161om pr\u00edpade 20 000 EUR). Tento pojem je zn\u00e1my aj ako <strong>ROI (Return On Investment)<\/strong> alebo\u00a0<strong>v\u00fdnos na vami vlo\u017een\u00fd kapit\u00e1l.<\/strong><\/p>\n\n\n\n<p>Zvy\u0161n\u00fdch 80 000 EUR od banky ste toti\u017e vyu\u017eili ako p\u00e1kov\u00fd efekt, ktor\u00fd v\u00e1m pomohol dosta\u0165 sa k vlastn\u00edctvu nehnute\u013enosti, ale banke ich spl\u00e1ca v\u00e1\u0161 n\u00e1jomca jednoducho t\u00fdm, \u017ee plat\u00ed ka\u017ed\u00fd mesiac n\u00e1jomn\u00e9, s \u010d\u00edm s\u00favis\u00ed tretia d\u00f4le\u017eit\u00e1 skuto\u010dnos\u0165.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Splcanie_istiny_veru_njomcom\">Spl\u00e1canie istiny \u00faveru n\u00e1jomcom<\/h3>\n\n\n\n<p>Tou je\u00a0<strong>spl\u00e1canie istiny \u00faveru<\/strong>. To znamen\u00e1, \u017ee z n\u00e1jomn\u00e9ho ka\u017ed\u00fd mesiac plat\u00edte hypot\u00e9ku banke. T\u00e1to spl\u00e1tka je zlo\u017een\u00e1 z \u00farokov a istiny, \u010do znamen\u00e1, \u017ee va\u0161a dl\u017en\u00e1 suma sa postupne zni\u017euje. <\/p>\n\n\n\n<p>A ke\u010f\u017ee sme si povedali, \u017ee t\u00fato spl\u00e1tku a teda aj istiny \u00faveru za v\u00e1s spl\u00e1ca v\u00e1\u0161 n\u00e1jomca, vy \u0161etr\u00edte svoje finan\u010dn\u00e9 prostriedky, ktor\u00e9 tak m\u00f4\u017eete zar\u00e1ta\u0165 do v\u00fdpo\u010dtu v\u00fdnosnosti.<\/p>\n\n\n\n<p>Pri \u00favere 80 000 EUR na 30 rokov so sadzbou 1,70 % ro\u010dne, so spl\u00e1tkou 283 eur mesa\u010dne len 113,33. Zvy\u0161ok (170 EUR) je istina, ktor\u00fa n\u00e1m n\u00e1\u0161 n\u00e1jomca mesa\u010dne spl\u00e1ca.<\/p>\n\n\n\n<p><strong>V prvom roku tak splat\u00ed 2046 EUR<\/strong>, ktor\u00e9 m\u00f4\u017eeme bra\u0165 pri anal\u00fdze v\u00fdnosnosti ako plus pre n\u00e1s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Rast_ceny_nehnutenosti\">Rast ceny nehnute\u013enosti<\/h3>\n\n\n\n<p>Poslednou vecou, ktor\u00fa je nutn\u00e9 bra\u0165 do \u00favahy, je rast ceny nehnute\u013enosti. V\u00fdvoj na slovenskom realitnom trhu zaznamen\u00e1va pribli\u017ene od roku 2013 kontinu\u00e1lny rast.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/03\/vyvoj-cien-bytov-min.png\" alt=\"vyvoj-cien-bytov-min\" 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\" \/><\/figure><\/div>\n\n\n<p>Ke\u010f\u017ee je \u0165a\u017ek\u00e9 prepoklada\u0165 spr\u00e1vanie realitn\u00e9ho trhu aj vplyvom koronav\u00edrusu na \u010fal\u0161ie mesiace, berme do \u00favahy maxim\u00e1lne konzervat\u00edvne odhady na \u00farovni ro\u010dnej infl\u00e1cie o pribli\u017ene 2 %.<\/p>\n\n\n\n<p>Aj tento\u00a0<strong>medziro\u010dn\u00fd n\u00e1rast ceny va\u0161ej nehnute\u013enosti\u00a0<\/strong>je nutn\u00e9 bra\u0165 \u00a0pri anal\u00fdze do \u00favahy. To znamen\u00e1, \u017ee mus\u00edme k na\u0161ej nehnute\u013enosti za 100 000 EUR pripo\u010d\u00edta\u0165 2 % ro\u010dne, \u010do je v na\u0161om pr\u00edpade 2000 EUR.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>{(500 EUR &#8211; 283 EUR spl\u00e1tka hypot\u00e9ky &#8211; 120 EUR energie ) x 12 mesiacov + 2046 EUR n\u00e1jomcom splaten\u00e1 istina + 2000 EUR predpokladan\u00fd rast ceny nehnute\u013enost} \/ 20 000 v\u00e1\u0161 kapit\u00e1l = 26,14 %.<\/p><\/div>\n\n\n<p>Samozrejme, tieto \u010d\u00edsla s\u00fa orienta\u010dn\u00e9. Ako sme u\u017e spom\u00ednali, je \u0165a\u017ek\u00e9 predpoklada\u0165 rast alebo pokles cien nehnute\u013enost\u00ed, preto sa celkov\u00fd ro\u010dn\u00fd v\u00fdnos m\u00f4\u017ee aj kv\u00f4li zmene tejto premennej h\u00fdba\u0165 smerom hore, ale aj dole.<\/p>\n\n\n\n<p>Spr\u00e1vny investor, ktor\u00fd k\u00fapi nehnute\u013enos\u0165 najm\u00e4 na zhodnocovanie svojich financi\u00ed sa na tento parameter nespolieha, hoci v kombin\u00e1cii s p\u00e1kov\u00fdm efektom v podobe extern\u00e9ho financovania bankou dok\u00e1\u017ee zna\u010dne nav\u00fd\u0161i\u0165 celkov\u00fd ro\u010dn\u00fd v\u00fdnos.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Ako za\u010da\u0165 investova\u0165 do nehnute\u013enost\u00ed?<\/h4><div class=\"faq_inner\"><p>V s\u00fa\u010dasnosti je investovanie do nehnute\u013enost\u00ed ve\u013emi \u013eahk\u00e9. Za\u010da\u0165 m\u00f4\u017eete invest\u00edciami v malom objeme, u\u017e od 50 EUR, kedy sa st\u00e1vate spolu s ostatn\u00fdmi investormi podielov\u00fdm investorom v\u00fdstavby in\u00fdch nehnute\u013enost\u00ed.<\/p>\n<p>Pokia\u013e chcete investova\u0165 do nehnute\u013enost\u00ed s vy\u0161\u0161\u00edm obnosom finan\u010dn\u00fdch prostriedkov, m\u00f4\u017eete za\u010da\u0165 investova\u0165 vyh\u013eadan\u00edm vhodnej investi\u010dnej pr\u00edle\u017eitosti vo va\u0161om okol\u00ed. Viac v \u010dl\u00e1nku.<\/p><\/div><h4>Ko\u013eko pe\u0148az\u00ed potrebujem na za\u010diatok?<\/h4><div class=\"faq_inner\"><p>Pokia\u013e chcete investova\u0165 do nehnute\u013enost\u00ed s ni\u017e\u0161\u00edm obnosom, sta\u010d\u00ed v\u00e1m 50 EUR a registr\u00e1cia na zahrani\u010dnej investi\u010dnej platforme <a href=\"https:\/\/financer.sk\/sporenie\/estateguru-recenzia\/\" target=\"_blank\" rel=\"noopener\">EstateGuru<\/a>. Ak chcete investova\u0165 s vy\u0161\u0161\u00edm obnosom, odpor\u00fa\u010dame ma\u0165 na\u0161etren\u00fdch aspo\u0148 10 000 EUR vlastn\u00fdch prostriedkov.<\/p><\/div><h4>Do akej nehnute\u013enosti investova\u0165?<\/h4><div class=\"faq_inner\"><p>Na t\u00fato ot\u00e1zku je ve\u013emi \u0165a\u017ek\u00e9 v\u0161eobecne odpoveda\u0165, preto\u017ee realitn\u00fd trh v jednotliv\u00fdch mest\u00e1ch sa odli\u0161uje. Mali by ste sa v\u0161ak zamera\u0165 na vyh\u013ead\u00e1vanie 1 a\u017e 2-izbov\u00fdch bytov v centr\u00e1ch miest, ktor\u00fdch pren\u00e1jom je jednoduch\u0161\u00ed, ne\u017e v pr\u00edpade men\u0161\u00edch miest. Ako postupova\u0165 pri v\u00fdbere nehnute\u013enost\u00ed krok za krokom sa do\u010d\u00edtate v \u010dl\u00e1nku.<\/p><\/div><h4>Je dobr\u00e9 investova\u0165 do komer\u010dn\u00fdch nehnute\u013enost\u00ed?<\/h4><div class=\"faq_inner\"><p>Investovanie do komer\u010dn\u00fdch nehnute\u013enost\u00ed dok\u00e1\u017ee investorovi zabezpe\u010di\u0165 vy\u0161\u0161iu hrub\u00fa ro\u010dn\u00fa ziskovos\u0165, ne\u017e reziden\u010dn\u00e9 nehnute\u013enosti, teda byty. Ak v\u0161ak uva\u017eujete o invest\u00edcii do komer\u010dn\u00fdch priestorov, mus\u00edte o\u010dak\u00e1va\u0165 vy\u0161\u0161ie ceny, ne\u017e ak\u00e9 maj\u00fa klasick\u00e9 byty.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Rady_na_zver\">Rady na z\u00e1ver<\/h2>\n\n\n\n<p>Pre \u00fapln\u00fa anal\u00fdzu je d\u00f4le\u017eit\u00e9 okrem nami vybran\u00fdch faktorov vn\u00edma\u0165 aj tie \u010fal\u0161ie, ktor\u00e9 s\u00fa nemenej d\u00f4le\u017eit\u00e9.<\/p>\n\n\n\n<p>Viacer\u00ed investori robia e\u0161te pred za\u010diatkom investovania chybu, ktor\u00fa sme spom\u00ednali u\u017e na \u00favod. Skuto\u010dne nesta\u010d\u00ed r\u00e1ta\u0165 \u010dist\u00fd mesa\u010dn\u00fd v\u00fdnos tak, \u017ee od n\u00e1jomn\u00e9ho odpo\u010d\u00edtame iba spl\u00e1tku hypot\u00e9ky, inkaso, internet a telev\u00edziu, ale je toho ove\u013ea viac. Ide predov\u0161etk\u00fdm o n\u00e1klady, ktor\u00e9 vznikn\u00fa v bud\u00facnosti.<\/p>\n\n\n\n<ol class=\"is-style-default\">\n<li><strong>N\u00e1klady na opravu.<\/strong> Pokia\u013e si v n\u00e1jomnej zmluve nestanov\u00edte, \u017ee za v\u0161etky poruchy a opotrebovania vzniknut\u00e9 v byte je zodpovedn\u00fd n\u00e1jomca a je tak zodpovedn\u00fd aj za opravu, mus\u00edte r\u00e1ta\u0165 aj s n\u00e1kladmi na opravu. M\u00f4\u017ee sa sta\u0165, \u017ee ich nevyu\u017eijete za pol roka ani raz. No v\u017edy si ich poctivo odkladajte bokom pre pr\u00edpad, \u017ee sa skuto\u010dne nie\u010do pokaz\u00ed. Odpor\u00fa\u010dame pribli\u017ene 5 % z celkov\u00e9ho mesa\u010dn\u00e9ho n\u00e1jmu.<\/li>\n\n\n\n<li><strong>Obdobie bez n\u00e1jomcov.\u00a0<\/strong>Je naivn\u00e9 myslie\u0165 si, \u017ee pr\u00e1ve v\u00e1\u0161 byt bude bez najmen\u0161\u00edch probl\u00e9mov prenajat\u00fd cel\u00fd rok bez prest\u00e1vky. Preto je vhodn\u00e9 bra\u0165 do \u00favahy aj obdobie pribli\u017ene 2 t\u00fd\u017ed\u0148ov a\u017e 1 mesiaca po\u010das roka, kedy nebudete ma\u0165 v byte \u017eiadnych n\u00e1jomcov a tak ani pr\u00edjem z n\u00e1jomn\u00e9ho.<\/li>\n\n\n\n<li><strong>Poistenie bytu a da\u0148 z nehnute\u013enosti.\u00a0<\/strong>Ak chcete skuto\u010dne myslie\u0165 na v\u0161etky negat\u00edva, ktor\u00e9 m\u00f4\u017eu nasta\u0165, ur\u010dite odpor\u00fa\u010dame va\u0161u nehnute\u013enos\u0165 poisti\u0165. V na\u0161om hlavnom meste sa ceny za poistenie nehnute\u013enosti h\u00fdbu na \u00farovni 10 a\u017e 15 eur na mesiac. Okrem poistenia mus\u00edte bra\u0165 do \u00favahy aj miestnu da\u0148 z nehnute\u013enosti vo v\u00fd\u0161ke do 5 eur \/ mesiac.<\/li>\n<\/ol>\n\n\n\n<p>Je zrejm\u00e9, \u017ee po zapo\u010d\u00edtan\u00ed t\u00fdchto bud\u00facich n\u00e1kladov, ktor\u00e9 m\u00f4\u017eu ale nemusia vznikn\u00fa\u0165 sa p\u00f4vodne vyr\u00e1tan\u00fd ro\u010dn\u00fd v\u00fdnos pred zar\u00e1tan\u00edm v\u00fdnosu z rastu ceny nehnute\u013enosti zn\u00ed\u017ei. Nep\u00f4jde v\u0161ak o drastick\u00fd \u00fabyok v\u00fdnosov.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e1tajme s t\u00fdm, \u017ee u\u017e pribli\u017ene viete, ako za\u010da\u0165 investova\u0165 do nehnute\u013enost\u00ed a ak\u00e9 faktory zoh\u013ead\u0148ova\u0165 pri jej v\u00fdbere. Uk\u00e1\u017eeme\u2026 <\/p>\n","protected":false},"author":87,"featured_media":78971,"parent":5566,"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":[1108],"tags":[711],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/7038"}],"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=7038"}],"version-history":[{"count":32,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/7038\/revisions"}],"predecessor-version":[{"id":79208,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/7038\/revisions\/79208"}],"up":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/5566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78971"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=7038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=7038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=7038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}