[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adka.sk\/investicny-byt-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.adka.sk\/investicny-byt-na-hypoteku\/","headline":"Investi\u010dn\u00fd byt na hypot\u00e9ku","name":"Investi\u010dn\u00fd byt na hypot\u00e9ku","description":"Mnoho \u013eud\u00ed posledn\u00e9 mesiace rie\u0161ilo ot\u00e1zku hypot\u00e9ky a aktu\u00e1lnych \u00farokov. Pri situ\u00e1cii spred nieko\u013ek\u00fdch rokov, kedy sme boli zvyknut\u00ed na \u00farokov\u00fa sadzbu pod 1%, s\u00fa s\u00fa\u010dasn\u00e9 \u00faroky nad 4% nehor\u00e1zne vysok\u00e9. Na jednej strane je to skuto\u010dne vysok\u00fd skok, ktor\u00fd dok\u00e1\u017ee ovplyvni\u0165 chod mnoh\u00fdch dom\u00e1cnosti, ale na druhej strane ide o prirodzen\u00fa infl\u00e1ciu, ktor\u00e1 sa… ","datePublished":"2023-12-12","dateModified":"2023-12-12","author":{"@type":"Person","@id":"https:\/\/www.adka.sk\/author\/#Person","name":"","url":"https:\/\/www.adka.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06527e04354367c851b9f1915477ea92?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06527e04354367c851b9f1915477ea92?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adka.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adka.sk\/wp-content\/uploads\/money-7724806_640.jpg","url":"https:\/\/www.adka.sk\/wp-content\/uploads\/money-7724806_640.jpg","height":0,"width":0},"url":"https:\/\/www.adka.sk\/investicny-byt-na-hypoteku\/","about":["Ekonomika"],"wordCount":377,"articleBody":"Mnoho \u013eud\u00ed posledn\u00e9 mesiace rie\u0161ilo ot\u00e1zku hypot\u00e9ky a aktu\u00e1lnych \u00farokov. Pri situ\u00e1cii spred nieko\u013ek\u00fdch rokov, kedy sme boli zvyknut\u00ed na \u00farokov\u00fa sadzbu pod 1%, s\u00fa s\u00fa\u010dasn\u00e9 \u00faroky nad 4% nehor\u00e1zne vysok\u00e9. Na jednej strane je to skuto\u010dne vysok\u00fd skok, ktor\u00fd dok\u00e1\u017ee ovplyvni\u0165 chod mnoh\u00fdch dom\u00e1cnosti, ale na druhej strane ide o prirodzen\u00fa infl\u00e1ciu, ktor\u00e1 sa dala predpoklada\u0165. Mnoho \u013eud\u00ed vyu\u017eilo situ\u00e1ciu, kedy boli hypot\u00e9ky takmer zadarmo. \u00daroky boli v priemere okolo 0,5%, \u010do predstavovalo skuto\u010dne minim\u00e1lne n\u00e1klady na nav\u00fd\u0161enie hypot\u00e9ky. Preto sa mnoho \u013eud\u00ed rozhodlo financova\u0165 tak\u00fdmto sp\u00f4sobom svoju nov\u00fa nehnute\u013enos\u0165. Mnoho \u013eud\u00ed takisto vyu\u017eilo tak\u00e9to v\u00fdhodn\u00e9 hypot\u00e9ky aj na financovanie svojich investi\u010dn\u00fdch bytov. Pre t\u00fdch, ktor\u00ed ale hypot\u00e9ke rozumej\u00fa, tie \u00faroky sa zafixovali na ur\u010dit\u00fa dobu. Naj\u010dastej\u0161ie ide o fix\u00e1ciu na 3 \u010di 5 rokov. Po uplynut\u00ed tejto doby vysko\u010dia na hypot\u00e9kach \u00faroky, ktor\u00e9 s\u00fa aktu\u00e1lne na trhu. \u013dudia, ktor\u00ed zobrali hypot\u00e9ky s n\u00edzkym \u00farokom sa nach\u00e1dzaj\u00fa pr\u00e1ve v obdob\u00ed, ke\u010f im kon\u010d\u00ed fix\u00e1cia a bud\u00fa n\u00faten\u00fd svoj hypot\u00e9ky refinancova\u0165. \u010co to znamen\u00e1? Ide o prenesenie svojej hypot\u00e9ky do inej banky alebo nav\u00fd\u0161enie \u00faroku v rovnakej banke na hodnotu, ktor\u00e1 je aktu\u00e1lne na trhu. A ke\u010f\u017ee aktu\u00e1lne sa \u00faroky pohybuj\u00fa vo v\u00fd\u0161ke 4% a vy\u0161\u0161ie, mnoh\u00fdm \u013eu\u010fom narast\u00fa mesa\u010dnej platby za hypot\u00e9ku aj o stovky eur. Zatia\u013e \u010do pred nieko\u013ek\u00fdmi rokmi s n\u00edzkymi \u00farokmi bolo vzia\u0165 si hypot\u00e9ku na investi\u010dn\u00fd byt ve\u013emi v\u00fdhodn\u00e9, dnes pri vysok\u00fdch mesa\u010dn\u00fdch spl\u00e1tkach za hypot\u00e9ku n\u00e1m n\u00e1jom za byt nesplat\u00ed mesa\u010dn\u00fa spl\u00e1tku. Ak preto uva\u017eujete teraz o k\u00fape investi\u010dn\u00e9ho bytu na hypot\u00e9ku e\u0161te po\u010dkajte. Hypot\u00e9ka na investi\u010dn\u00fd byt sa oplat\u00ed bra\u0165 pri n\u00edzkych \u00farokoch, ktor\u00e9 banky s\u013eubuj\u00fa najbli\u017e\u0161ie roky. Aj tak v\u0161ak bu\u010fte opatrn\u00fd. Zv\u00e1\u017ete d\u00f4kladne, \u010di budete schopn\u00fd spl\u00e1ca\u0165 hypot\u00e9ku a\u00a0re\u00e1lne zv\u00e1\u017ete v\u00fd\u0161ku hypot\u00e9ky, ktor\u00fa si zoberiete.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Investi\u010dn\u00fd byt na hypot\u00e9ku","item":"https:\/\/www.adka.sk\/investicny-byt-na-hypoteku\/#breadcrumbitem"}]}]