{"id":2080,"date":"2018-11-03T09:47:47","date_gmt":"2018-11-03T08:47:47","guid":{"rendered":"https:\/\/financer.sk\/?page_id=2080"},"modified":"2024-09-09T14:17:42","modified_gmt":"2024-09-09T12:17:42","slug":"hypoteka-alebo-prenajom","status":"publish","type":"post","link":"https:\/\/financer.sk\/pozicky\/clanky\/hypoteka-alebo-prenajom\/","title":{"rendered":"Hypot\u00e9ka alebo pren\u00e1jom?"},"content":{"rendered":"\n<p>Hypot\u00e9ka, alebo b\u00fdvanie v prenajatom byte. Ot\u00e1zka, ktor\u00fa mus\u00ed rie\u0161i\u0165 ka\u017ed\u00fd mlad\u00fd Slov\u00e1k, ktor\u00fd sa chce osamostatni\u0165 a prv\u00fdkr\u00e1t b\u00fdva\u0165 vo vlastnom. <strong>Pri rozhodovan\u00ed sa je potrebn\u00e9 zv\u00e1\u017ei\u0165 ve\u013emi ve\u013ek\u00e9 mno\u017estvo faktorov.<\/strong><\/p>\n\n\n\n<p>Ak chceme bra\u0165 do \u00favahy poriadne ka\u017ed\u00fd jeden z nich, <strong>nie je tak\u00e9 jednoduch\u00e9 jednozna\u010dne poveda\u0165,<\/strong> \u010di je v\u00fdhodnej\u0161ia alternat\u00edva financovania b\u00fdvania formou hypot\u00e9ky alebo pren\u00e1jmu.<\/p>\n\n\n\n\n\n<p><strong>Financer.sk<\/strong>\u00a0sa pozrie na najd\u00f4le\u017eitej\u0161ie faktory, ktor\u00e9 by ste pri rozhodovan\u00ed mali bra\u0165 do \u00favahy. D\u00fafame, \u017ee v\u00e1m na ceste k v\u00e1\u0161mu b\u00fdvaniu dok\u00e1\u017eeme odpoveda\u0165 na nevyhnutn\u00e9 ot\u00e1zky a pom\u00f4\u017eeme v\u00e1m lep\u0161ie sa rozhodn\u00fa\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Bvanie_na_Slovensku\">B\u00fdvanie na Slovensku<\/h2>\n\n\n\n<p>Na Slovensku je u\u017e dlhodobo uprednost\u0148ovan\u00fd trend b\u00fdvania vo vlastnom aj za cenu zad\u013a\u017eenia sa formou <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>. Pod\u013ea posledn\u00fdch dostupn\u00fdch \u00fadajov Eurostatu, <strong>takmer 92 % v\u0161etk\u00fdch Slov\u00e1kov b\u00fdva &#8220;vo vlastnom&#8221; <\/strong>a teda neplat\u00ed n\u00e1jomn\u00e9.<\/p>\n\n\n\n<p>V porovnan\u00ed s ostatn\u00fdmi eur\u00f3pskymi krajinami sme v tomto rebr\u00ed\u010dku takmer na \u010dele, predbehlo n\u00e1s len Rumunsko, Litva a Chorv\u00e1tsko.\u00a0<\/p>\n\n\n\n<p>Po\u010das socializmu u n\u00e1s \u013eudia b\u00fdvali bu\u010f vo vlastnom dome alebo \u0161t\u00e1tnom \u010di dru\u017estevnom byte.\u00a0<strong>Po ne\u017enej revol\u00facii ve\u013ek\u00fa \u010das\u0165 \u0161t\u00e1tnych bytov \u0161t\u00e1t ich n\u00e1jomn\u00edkom predal za symbolick\u00e9 ceny.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Osobn\u00e9 vlastn\u00edctvo tak razom za\u010dalo dominova\u0165 viac ako v krajin\u00e1ch z b\u00fdval\u00e9ho z\u00e1padn\u00e9ho bloku. Aj to je jeden z d\u00f4vodov, pre\u010do je na Slovensku tak\u00e9\u00a0be\u017en\u00e9 vlastni\u0165 nehnute\u013enos\u0165.\u00a0<strong>B\u00fdvanie v podn\u00e1jme sa v s\u00fa\u010dasnosti dot\u00fdka najm\u00e4 \u0161tudentov a mlad\u00fdch pracuj\u00facich<\/strong>.<\/div>\n\n\n<p>No aj t\u00ed, ktor\u00ed vo svojich \u0161tudentsk\u00fdch \u010dasoch a pracovn\u00fdch za\u010diatkoch b\u00fdvali v prenajatom byte, sk\u00f4r \u010di nesk\u00f4r za\u010dn\u00fa uva\u017eova\u0165 o vlastnom b\u00fdvan\u00ed.\u00a0Je podn\u00e1jom skuto\u010dne tak\u00fd zl\u00fd?<\/p>\n\n\n\n<p>V krajin\u00e1ch z\u00e1padnej Eur\u00f3py je viac ne\u017e be\u017en\u00e9, \u017ee \u013eudia platia n\u00e1jomn\u00e9. Napr\u00edklad v Nemecku pribli\u017ene 60 % v\u0161etk\u00fdch obyvate\u013eov. Postupne sa pozrieme na klady a z\u00e1pory k\u00fapy nehnute\u013enosti versus pren\u00e1jmu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kedy_sa_rozhodn_pre_hypotku\">Kedy sa rozhodn\u00fa\u0165 pre hypot\u00e9ku?<\/h2>\n\n\n<h3><\/h3>\n<p><\/p>\n<ul>\n<li><strong>Ak<\/strong>\u00a0<strong>ste pevne rozhodnut\u00ed \u017ei\u0165 na jednom mieste najmenej 10 rokov<\/strong>. Neust\u00e1le presuny, pohyb, n\u00e1kup a n\u00e1sledn\u00fd predaj nehnute\u013enost\u00ed s\u00favis\u00ed s ve\u013ek\u00fdm \u00fasil\u00edm a pr\u00e1ve zv\u00fd\u0161en\u00fdmi dodato\u010dn\u00fdmi n\u00e1kladmi, \u010do v\u00fdrazne zni\u017euje n\u00e1vratnos\u0165 va\u0161ich vlo\u017een\u00fdch finan\u010dn\u00fdch prostriedkov.<\/li>\n<li><strong>Ak v\u00e1m prek\u00e1\u017ea b\u00fdvanie pod\u013ea pravidiel a vkusu niekoho in\u00e9ho.<\/strong>\u00a0Za predpokladu, \u017ee v dome \u010di byte budete b\u00fdva\u0165 sami, m\u00f4\u017eete si ju zariadi\u0165 pod\u013ea va\u0161ich vlastn\u00fdch predst\u00e1v a pod\u013ea nich aj \u017ei\u0165.<\/li>\n<li><strong>Ak v\u00e1m prek\u00e1\u017ea platba n\u00e1jomn\u00e9ho a chcete si efekt\u00edvnej\u0161ie pl\u00e1nova\u0165 va\u0161e mesa\u010dn\u00e9 v\u00fddavky.<\/strong>\u00a0V takomto pr\u00edpade je k\u00fapa nehnute\u013enosti vhodnej\u0161ia z nieko\u013ek\u00fdch d\u00f4vodov. V \u010fal\u0161ej \u010dasti \u010dl\u00e1nku si uk\u00e1\u017eeme, pre\u010do.<\/li>\n<li><strong>K\u00fapa nehnute\u013enosti z\u00e1vis\u00ed aj o va\u0161ich \u017eivotn\u00fdch cie\u013eov a aktu\u00e1lnych podmienok<\/strong>. Pl\u00e1nujete si zalo\u017ei\u0165 rodinu a spolo\u010dne so svoj\u00edm partnerom vychov\u00e1va\u0165 deti? Potom potrebujete viac priestoru a stability. Hypot\u00e9ka na 20 rokov je v tomto pr\u00edpade logickej\u0161ia ako nikdy sa nekon\u010diace pres\u00favanie z pren\u00e1jmu do pren\u00e1jmu.<\/li>\n<\/ul>\n\n\n<p>Av\u0161ak, ak ste slobodn\u00ed, nechcete dlho zosta\u0165 \u017ei\u0165 a jednom mieste alebo si v bl\u00edzkej bud\u00facnosti budova\u0165 rodinu, k\u00fapa domu \u010di bytu len na b\u00fdvanie a presp\u00e1vanie je zl\u00fdm finan\u010dn\u00fdm rozhodnut\u00edm a nem\u00e1 ve\u013ek\u00fd ekonomick\u00fd zmysel.<\/p>\n\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=Array&\" data-slider-url=\"https:\/\/financer.sk\/vysledky?query=1&param_amount=1000&param_period=Array&\" data-required=\"vysledky?query=1param_amount=1000&param_period=Array&\" 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=\"Na_o_si_da_pri_hypotke_pozor\">Na \u010do si da\u0165 pri hypot\u00e9ke pozor?<\/h2>\n\n\n\n<p>V prvom rade by ste pri k\u00fape nehnute\u013enosti mali pam\u00e4ta\u0165 na to, \u017ee <strong>zv\u00e4zujete nie len sam\u00fdch seba, ale aj svoje finan\u010dn\u00e9 prostriedky<\/strong> skuto\u010dne dlhodobo. Predstavte si, \u017ee po dobu najbli\u017e\u0161\u00edch 20 rokov budete n\u00faten\u00ed odlo\u017ei\u0165 si ka\u017ed\u00fd mesiac nieko\u013eko stoviek eur. To nie je najlep\u0161ia predstava, v\u0161ak?<\/p>\n\n\n\n<p>Beriete na svoje plecia obrovsk\u00fa zodpovednos\u0165 a pokia\u013e sa nechcete dosta\u0165 do finan\u010dn\u00fdch probl\u00e9mov, alebo napokon aj pr\u00eds\u0165 o vyt\u00fa\u017een\u00fa strechu nad hlavou, <strong>mali by ste by\u0165 schopn\u00ed spl\u00e1ca\u0165 hypot\u00e9ku<\/strong> pravidelne v mesa\u010dn\u00fdch intervaloch.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Nako\u013eko <strong>poskytovanie hypot\u00e9k pokr\u00fdvaj\u00facich 100 % z ceny nehnute\u013enosti bolo N\u00e1rodnou bankou Slovenska pred \u010dasom zak\u00e1zan\u00e9, <\/strong> em\u00f4\u017eete sa spolieha\u0165 na to, \u017ee hypot\u00e9ka pokryje cel\u00fa sumu potrebn\u00fa na k\u00fapu domu.<\/p><\/div>\n\n\n<p>E\u0161te pred samotnou k\u00fapou odpor\u00fa\u010dame <strong>ma\u0165 aspo\u0148 20 % z k\u00fapnej ceny nehnute\u013enosti vo forme vlastn\u00e9ho kapit\u00e1lu. <\/strong>Inak budete musie\u0165 spl\u00e1ca\u0165 dodato\u010dn\u00fd <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fd \u00faver<\/a>\u00a0alebo stavebn\u00e9 sporenie, \u010do op\u00e4\u0165 zvy\u0161uje \u00farokov\u00e9 a aj celkov\u00e9 n\u00e1klady.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kedy_je_vhodnej_prenjom\">Kedy je vhodnej\u0161\u00ed pren\u00e1jom?<\/h2>\n\n\n\n<p>V prvom rade vtedy, <strong>ak odmietate by\u0165 dlhodobo viazan\u00ed na jedno miesto<\/strong> alebo netu\u0161\u00edte, ako presne sa bude vyv\u00edja\u0165 va\u0161a bud\u00facnos\u0165 najm\u00e4 v pracovnom \u017eivote. B\u00fdvanie v pren\u00e1jme je vhodn\u00e9 aj pre t\u00fdch, ktor\u00ed jednoducho odmietaj\u00fa \u017ei\u0165 na dlh alebo nemaj\u00fa stabiln\u00fd pr\u00edjem.<\/p>\n\n\n\n<p>Ako <strong>naj\u010dastej\u0161\u00ed argument proti b\u00fdvaniu v podn\u00e1jme b\u00fdva uv\u00e1dzan\u00e1 neistota<\/strong>. D\u00f4vodom s\u00fa pravdepodobne ch\u00fdbaj\u00face dlhodob\u00e9 pren\u00e1jmy a s nimi s\u00favisiaca vysok\u00e1 flukt\u00e1cia n\u00e1jomn\u00edkov. Na Slovensku sa b\u00fdvanie v prenajatom byte bohu\u017eia\u013e ch\u00e1pe iba ako medzistupe\u0148 na ceste k vlastn\u00e9mu b\u00fdvaniu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>Naopak, napr\u00edklad v Nemecku nie je ni\u010d\u00edm v\u00fdnimo\u010dn\u00e1 cel\u00e1 rodina, ktor\u00e1 \u017eije v jednom prenajatom dome aj desiatky rokov. Pokia\u013e ste n\u00e1jomn\u00edkom, svoje v\u00fddavky sa v\u00e1m podar\u00ed zn\u00ed\u017ei\u0165. <strong>Zaplat\u00edte a nemus\u00edte sa stara\u0165 o celkov\u00fa rekon\u0161trukciu bytu<\/strong>, jeho \u00fadr\u017ebu, prispievanie do spolo\u010dn\u00e9ho fondu opr\u00e1v alebo zateplenie bytov\u00e9ho domu.<\/div>\n\n\n<p>Zvy\u010dajne plat\u00ed, \u017ee <strong>ro\u010dn\u00e9 n\u00e1jomn\u00e9 predstavuje pribli\u017ene 5 % z celkovej hodnoty nehnute\u013enosti<\/strong>. Samozrejme, tieto percent\u00e1 v\u017edy z\u00e1visia od aktu\u00e1lnej ceny nehnute\u013enosti ako aj od trhovej ceny n\u00e1jomn\u00e9ho v danej oblasti alebo meste. Vo v\u0161eobecnosti je to zvy\u010dajne menej ako n\u00e1klady zaplaten\u00e9 majite\u013eom nehnute\u013enosti v danom roku.<\/p>\n\n\n\n<p>T\u00fdm, \u017ee pravidelne plat\u00edte n\u00e1jom, m\u00e1te ve\u013emi jednoducho k dispoz\u00edcii miesto, kde \u017eijete. Vyhl\u00e1senie, \u017ee pri b\u00fdvan\u00ed v pren\u00e1jme iba vyhadzujete peniaze z okna preto nie je spr\u00e1vne. Sta\u010d\u00ed si uvedomi\u0165, \u017ee ma\u0165 svoj domov nie je a\u017e tak n\u00e1kladn\u00e9 a n\u00e1ro\u010dn\u00e9, ne\u017e si mysl\u00edte.<\/p>\n\n\n\n<ul>\n<li><strong>\u017divot v pren\u00e1jme je ove\u013ea flexibilnej\u0161\u00ed<\/strong> a pokia\u013e neb\u00fdvate <em>&#8220;vo svojom&#8221;<\/em> dok\u00e1\u017eete r\u00fdchlej\u0161ie a efekt\u00edvnej\u0161ie reagova\u0165 na zmeny vo va\u0161om \u017eivote. Ste slobodn\u00ed? Potom v\u00e1m sta\u010d\u00ed mali\u010dk\u00fd jednoizbov\u00fd byt. Ak chcete spolu s partnerom vysk\u00fa\u0161a\u0165 spolo\u010dn\u00e9 b\u00fdvanie, presuniete sa do v\u00e4\u010d\u0161ieho. To ist\u00e9 plat\u00ed aj v pr\u00edpade, \u017ee o\u010dak\u00e1vate pr\u00edrastok do va\u0161ej rodinky.<\/li>\n\n\n\n<li><strong>\u017divot v pren\u00e1jme prin\u00e1\u0161a v\u00fdhody nielen do rodinn\u00e9ho \u017eivota<\/strong>. Ak dostanete lep\u0161ie platen\u00fa ponuku pr\u00e1ce v meste \u010di dokonca \u0161t\u00e1te, je ove\u013ea jednoduch\u0161ie sa jednoducho vzia\u0165 a od\u00eds\u0165. V pren\u00e1jme ste ove\u013ea nez\u00e1vislej\u0161\u00edm.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Mty_a_fakty\">M\u00fdty a fakty<\/h2>\n\n\n\n<p>Pozrime sa na naj\u010dastej\u0161ie m\u00fdty a fakty sprev\u00e1dzaj\u00face ot\u00e1zky hypot\u00e9k a b\u00fdvania v prenajatom byte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pri_nkupe_hodnota_nehnutenosti_rastie\">Pri n\u00e1kupe hodnota nehnute\u013enosti rastie<\/h3>\n\n\n\n<p>Mnoh\u00ed z n\u00e1s uva\u017euj\u00fa tak, \u017ee po n\u00e1kupe nehnute\u013enosti<strong> sa jej hodnota medziro\u010dne vplyvom trhu a in\u00fdch faktorov zvy\u0161uje.<\/strong> Je pravdou, \u017ee hodnota nehnute\u013enosti ka\u017ed\u00fdm rokom rastie, no sk\u00faste sa zamyslie\u0165 nad touto ot\u00e1zkou hlb\u0161ie.<\/p>\n\n\n\n<p>V mest\u00e1ch, kde je dostatok pracovn\u00fdch pr\u00edle\u017eitost\u00ed a zdr\u017eiava sa tam ve\u013ea \u013eud\u00ed, \u0161tudentov a pracuj\u00facich, je po nehnute\u013enostiach aj vy\u0161\u0161\u00ed dopyt, ktor\u00fd automaticky zvy\u0161uje ceny. <\/p>\n\n\n\n<p>Skuto\u010dnos\u0165 je v\u0161ak tak\u00e1, \u017ee medziro\u010dn\u00e9 zhodnotenie nehnute\u013enost\u00ed a teda <strong>n\u00e1rast ich hodnoty sa zvy\u010dajne rovn\u00e1 percentu medziro\u010dnej <a href=\"https:\/\/financer.sk\/wiki\/inflacia\/\">infl\u00e1cie<\/a> v podobe 2 %.<\/strong><\/p>\n\n\n\n<p>To znamen\u00e1, \u017ee <strong>nehnute\u013enos\u0165 z\u00edskan\u00e1 v roku 1998 (pred 20 rokmi) za 100 000 EUR by dnes predstavovala 140 000 EUR.<\/strong> Znie to v\u00fdborne, v\u0161ak? Nesmiete v\u0161ak zab\u00fada\u0165 na infl\u00e1ciu, ktor\u00e1 od roku 1998 znehodnotila peniaze o takmer 24 %.<\/p>\n\n\n\n<p>Mus\u00edme v\u0161ak doda\u0165, \u017ee v niektor\u00fdch regi\u00f3noch sa cena nehnute\u013enosti zvy\u0161uje aj o viac ako 2 % ro\u010dne nie len kv\u00f4li zvy\u0161uj\u00facemu sa dopytu, ale aj <strong>dostupnej\u0161\u00edm hypot\u00e9karnym \u00faverom s v\u00fdhodn\u00fdmi \u00farokmi. <\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong>V\u00fdhodnej\u0161ie hypotek\u00e1rne \u00favery teda tla\u010dia ceny nehnute\u013enost\u00ed hore,<\/strong> ako tomu bolo aj v posledn\u00fdch rokoch. Aktu\u00e1lne sa v\u0161ak podmienky hypotek\u00e1rnych \u00faverov spr\u00eds\u0148uj\u00fa a \u00farokov\u00e9 sadzby rast\u00fa. <strong>Hypot\u00e9ka s \u00farokom 0,5 % je tak minulos\u0165ou.<\/strong> To znamen\u00e1, \u017ee k hypotek\u00e1rnych \u00faverom sa dostane st\u00e1le menej a menej \u013eud\u00ed, \u010d\u00edm klesne aj dopyt po nehnute\u013enostiach a ich ceny bud\u00fa v najbli\u017e\u0161om obdob\u00ed klesa\u0165, pr\u00edpadne stagnova\u0165.<\/p>\n<!-- wp:block-lab\/fn-message-box {\"message-type\":\"boxed\"} \/--><!-- wp:block-lab\/fn-message-box {\"message-type\":\"boxed\"} \/--><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kpou_mi_nehnutenos_patr\">K\u00fapou mi nehnute\u013enos\u0165 patr\u00ed<\/h3>\n\n\n\n<p>Pozor! Ve\u013emi \u010dasto pou\u017e\u00edvan\u00fd omyl. T\u00e1to <strong>veta plat\u00ed stopercentne iba v pr\u00edpade, ak ste cel\u00fa k\u00fapu financovali z vlastn\u00e9ho vrecka<\/strong> a pomocou vlastn\u00e9ho kapit\u00e1lu. Vieme ale, ak\u00e1 je na Slovensku situ\u00e1cia a \u017ee si to v\u00e4\u010d\u0161ina be\u017en\u00fdch pracuj\u00facich \u013eud\u00ed jednoducho nem\u00f4\u017ee dovoli\u0165.<\/p>\n\n\n\n<p>Pr\u00e1ve z tohto d\u00f4vodu \u013eudia siahaj\u00fa po hypot\u00e9ke a nehnute\u013enos\u0165, \u010di u\u017e bud\u00faca, ktor\u00e1 e\u0161te nestoj\u00ed, alebo u\u017e existuj\u00faca a stojaca sa ulo\u017e\u00ed ako z\u00e1bezpeka.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>Stopercentn\u00fdm a definit\u00edvnym <strong data-rich-text-format-boundary=\"true\">vlastn\u00edkom nehnute\u013enosti sa stanete a\u017e vtedy, ke\u010f splat\u00edte cel\u00fa po\u017ei\u010dan\u00fa sumu. <\/strong>Prakticky po 20 a\u017e 30 rokoch od k\u00fapy domu, \u010di bytu.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"iadne_dodaton_nklady\">\u017diadne dodato\u010dn\u00e9 n\u00e1klady<\/h3>\n\n\n\n<p>Op\u00e4\u0165 chyba! Myslie\u0165 si to je pr\u00edli\u0161 naivn\u00e9. Aj ke\u010f je cena nehnute\u013enosti pevne dan\u00e1 a v\u00e1m sa zd\u00e1, \u017ee u\u017e \u017eiadne dodato\u010dn\u00e9 n\u00e1klady nem\u00f4\u017eu vznikn\u00fa\u0165, m\u00fdlite sa. <\/p>\n\n\n\n<p>Dodato\u010dn\u00e9 n\u00e1klady, ktor\u00e9 pravidelne vyskakuj\u00fa na povrch pri nehnute\u013enostiach m\u00f4\u017eu tvori\u0165 <strong>a\u017e 10 % z celkovej ceny nehnute\u013enosti<\/strong>. Predstavte si t\u00fato situ\u00e1ciu:<\/p>\n\n\n\n<p>Potrebujete vlastn\u00fd kapit\u00e1l, minim\u00e1lne 20 % z celkovej ceny nehnute\u013enosti. Zvy\u0161ok predstavuje hypot\u00e9ka + \u00faroky z istiny.<\/p>\n\n\n\n<p>Nesmiete v\u0161ak zabudn\u00fa\u0165 na <strong>dodato\u010dn\u00e9 n\u00e1klady, ktor\u00e9 \u010dasto tvoria aj viac ako 10 % hodnoty nehnute\u013enosti. <\/strong>Rad\u00edme sem najm\u00e4 da\u0148 z prevodu nehnute\u013enosti, not\u00e1rske poplatky, poplatky na katastri a prov\u00edziu realitnej kancel\u00e1rii.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Ako vid\u00edte, \u013eudia zab\u00fadaj\u00fa na dodato\u010dn\u00e9 n\u00e1klady a pri r\u00e1tan\u00ed ich v\u00f4bec neber\u00fa do \u00favahy. S\u00fa to v\u0161ak poplatky, ktor\u00fdm sa dnes u\u017e iba \u0165a\u017eko vyhneme a preto by sme pri kalkul\u00e1cii celkovej ceny n\u00e1\u0161ho b\u00fdvania mali automaticky r\u00e1ta\u0165 aj s nimi. <strong>\u017diadnych dodato\u010dn\u00fdch 10 % n\u00e1s u\u017e potom neprekvap\u00ed<\/strong>.<\/p><\/div>\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=\"Hypotka_verzus_prenjom\">Hypot\u00e9ka verzus pren\u00e1jom<\/h2>\n\n\n\n<p>Vytvor\u00edme si pr\u00edklad. Predstavte si <strong>Bratislavu<\/strong>, ktor\u00e1 je pre v\u00e4\u010d\u0161inu mlad\u00fdch \u013eud\u00ed uva\u017euj\u00facich nad hypot\u00e9kou najzauj\u00edmavej\u0161ia \u010di u\u017e z poh\u013eadu predo\u0161l\u00e9ho \u0161t\u00fadia alebo dostupnos\u0165ou pracovn\u00fdch poz\u00edci\u00ed.<\/p>\n\n\n\n<p>Predstavte si, \u017ee <strong>b\u00fdvate v jednoizbovom byte s rozlohou\u00a040 m2, ktor\u00e9ho trhov\u00e1 hodnota je 80 000 EUR.<\/strong> Za pren\u00e1jom bytu mesa\u010dne plat\u00edte 450 \u20ac vr\u00e1tane energi\u00ed. Ak by ste si chceli tento byt k\u00fapi\u0165 a disponovali by ste vlastnou hotovos\u0165ou vo v\u00fd\u0161ke 10 000 \u20ac, mohli by ste dospie\u0165 k zauj\u00edmav\u00fdm mo\u017enostiam.<\/p>\n\n\n\n<ol>\n<li>Vezmete si hypot\u00e9ku vo v\u00fd\u0161ke 70 000 eur na 30 rokov s \u00farokovou sadzbou 1,45 % fixnou na 3 roky. Mesa\u010dn\u00e1 spl\u00e1tka, ktor\u00fa budete musie\u0165 plati\u0165 ka\u017ed\u00fd mesiac, je pribli\u017ene 250 EUR. Prir\u00e1tajte k tomu dodato\u010dne n\u00e1klady na byt vo v\u00fd\u0161ke 150 EUR. <strong>Za jeden mesiac m\u00f4\u017eete hypot\u00e9kou u\u0161etri\u0165 aj 50 EUR.<\/strong><\/li>\n\n\n\n<li>Ak si nastav\u00edte spl\u00e1tku hypot\u00e9ku spolo\u010dne s dodato\u010dn\u00fdmi n\u00e1kladmi za byt na spl\u00e1tku v rovnakej v\u00fd\u0161ke, ako je cena pren\u00e1jmu bytu, hypot\u00e9ku splat\u00edte o zop\u00e1r rokov sk\u00f4r.<\/li>\n<\/ol>\n\n\n\n<p>Ale povedzme si pravdu. <strong>Na 30 rokov sa za\u0161katu\u013ekova\u0165 do bratislavsk\u00e9ho jednoizbov\u00e9ho bytu, to nie je \u017eiadne terno<\/strong> a nemysl\u00edme si, \u017ee by ste tak \u013eahko na\u0161li \u010dloveka, ktor\u00e9mu by tak\u00fdto stav vyhovoval.<\/p>\n\n\n\n<p>Na internete n\u00e1jdeme ve\u013emi ve\u013ea \u0161tatist\u00edk a grafov, ktor\u00e9 preferuj\u00fa jednu alebo druh\u00fa formu financovania. Ver\u00edme v\u0161ak, \u017ee \u013eudia nie s\u00fa iba \u010d\u00edsla a nemali by sa presne pod\u013ea nich rozhodova\u0165. <\/p>\n\n\n\n<p><strong>Stavi\u0165 by mali najm\u00e4\u00a0 na svoje predstavy o formovan\u00ed svojho bud\u00faceho \u017eivota.<\/strong> Mohli by sme v\u00e1m uk\u00e1za\u0165 e\u0161te viac \u0161tatist\u00edk, ktor\u00e9 by v\u00e1s priviedli bu\u010f k jedn\u00e9mu, alebo druh\u00e9mu rozhodnutiu, no nebolo by to ve\u013emi u\u017eito\u010dn\u00e9.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>Faktom zost\u00e1va, \u017ee nikto presne nedok\u00e1\u017ee predpoveda\u0165 bud\u00facnos\u0165. St\u00e1le existuje pr\u00edli\u0161 ve\u013ea premenn\u00fdch zahrnut\u00fdch do v\u00fdpo\u010dtov, ktor\u00e9 nedok\u00e1\u017eeme ma\u0165 pod kontrolou.\nAk ste v \u0161t\u00e1diu rozhodovania sa medzi pren\u00e1jom alebo hypot\u00e9kou, <strong>vyberte si v\u017edy t\u00fa mo\u017enos\u0165, ktor\u00e1 najlep\u0161ie vyhovuje va\u0161im osobn\u00fdm (alebo rodinn\u00fdm) potreb\u00e1m<\/strong>.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Mohlo_by_vs_tie_zaujma\">Mohlo by v\u00e1s tie\u017e zauj\u00edma\u0165<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">Porovnanie hypotek\u00e1rnych \u00faverov<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/blog\/hypoteka-ako-investicia\/\">Hypot\u00e9ka ako invest\u00edcia<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/vyvoj\/\">Ako sa zmenila hypot\u00e9ka za posledn\u00fdch 20 rokov?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/sporenie\/investovanie-do-nehnutelnosti\/\">Investovanie do nehnute\u013enost\u00ed<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ka, alebo b\u00fdvanie v prenajatom byte. Ot\u00e1zka, ktor\u00fa mus\u00ed rie\u0161i\u0165 ka\u017ed\u00fd mlad\u00fd Slov\u00e1k, ktor\u00fd sa chce osamostatni\u0165 a prv\u00fdkr\u00e1t b\u00fdva\u0165\u2026 <\/p>\n","protected":false},"author":87,"featured_media":2081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","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,"footnotes":""},"categories":[1107],"tags":[49],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/2080"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/post"}],"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=2080"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/2080\/revisions"}],"predecessor-version":[{"id":77932,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/2080\/revisions\/77932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/2081"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=2080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=2080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=2080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}