[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.smein.sk\/hypoteka-pre-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.smein.sk\/hypoteka-pre-kazdeho\/","headline":"Hypot\u00e9ka pre ka\u017ed\u00e9ho","name":"Hypot\u00e9ka pre ka\u017ed\u00e9ho","description":"Ako sa dalo \u010daka\u0165, tak sa aj stalo. Nakoniec hypot\u00e9ky predsa len zlacneli. No vynoril sa tu nov\u00fd probl\u00e9m. U\u017e […]","datePublished":"2019-09-17","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.smein.sk\/author\/#Person","name":"","url":"https:\/\/www.smein.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"smein.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.smein.sk\/wp-content\/uploads\/img_a306548_w16782_t1569056056.jpg","url":"https:\/\/www.smein.sk\/wp-content\/uploads\/img_a306548_w16782_t1569056056.jpg","height":0,"width":0},"url":"https:\/\/www.smein.sk\/hypoteka-pre-kazdeho\/","about":["Ekonomika"],"wordCount":385,"articleBody":"Ako sa dalo \u010daka\u0165, tak sa aj stalo. Nakoniec hypot\u00e9ky predsa len zlacneli. No vynoril sa tu nov\u00fd probl\u00e9m. U\u017e dve banky pon\u00fakaj\u00fa od septembra tohto roku rovnak\u00fd \u00farok a to bez oh\u013eadu na d\u013a\u017eku doby viazanosti. Mno\u017estvo nezasv\u00e4ten\u00fdch \u013eud\u00ed si teraz istotne povie \u017ee je to dobr\u00e9. Ve\u010f nakoniec spl\u00e1ca\u0165 za n\u00edzky \u00farok, \u010do m\u00f4\u017ee by\u0165 lep\u0161ie. No pravdou ost\u00e1va \u017ee napriek tomu \u017ee je mo\u017en\u00e9 si zobra\u0165 hypot\u00e9ku aj na 10 rokov. Pri fixnom \u00faroku 0,89 percenta nerie\u0161i jeden z\u00e1sadn\u00fd probl\u00e9m. S\u00edce je pravda \u017ee doteraz platila rovnica. \u010c\u00edm viac rokov, t\u00fdm v\u00e4\u010d\u0161\u00ed \u00farok. No teraz je to dostupn\u00e9 pre viac \u013eud\u00ed ako kedysi a tak nast\u00e1va ot\u00e1zka. \u010ci nakoniec aj bud\u00fa schopn\u00fd riadneho spl\u00e1cania. Preto\u017ee ma\u0165 na to aby banka \u00faver \u010di hypot\u00e9ku poskytla a ma\u0165 na spl\u00e1canie s\u00fa dve rozdielne veci. Je to najme z tohto d\u00f4vodu \u017ee takzvan\u00fd kvalitn\u00fd dl\u017en\u00edci sa u\u017e d\u00e1vno vy\u010derpali a tak s\u00fa na rade povedzme \u017ee t\u00ed menej kvalitn\u00fd. Respekt\u00edve t\u00ed ktor\u00fdch v minulosti banka zamietla. Ale doba je zl\u00e1 a kr\u00edza je kr\u00edza. Pri\u010dom si to uvedomuje aj samotn\u00e1 Eur\u00f3pska centr\u00e1lna banka. A to najme t\u00fdm \u017ee dvihla takzvan\u00fd z\u00e1porn\u00fd \u00farok za dr\u017eanie pe\u0148az\u00ed z 0,4 percenta na 0,5 percenta. Tento stav by nebol ale mo\u017en\u00fd ak by infl\u00e1cia nedosahovala aspo\u0148\u0148 hodnotu okolo percent. T\u00e1 je v\u0161eobecne pova\u017eovan\u00e1 za najni\u017e\u0161iu hodnotu kedy sa ako tak e\u0161te oplat\u00ed po\u017ei\u010diava\u0165 peniaze tak aby na tom banky aspo\u0148 nie\u010do zarobili. Lep\u0161ie povedan\u00e9, re\u00e1lne dostan\u00fa st\u00e1le viac ako po\u017ei\u010daj\u00fa. Aj to u\u017e po\u010d\u00edtaj\u00fa aj s infl\u00e1ciou ako takou. Nakoniec sa tu aj tak vyn\u00e1ra ot\u00e1zka dokedy dan\u00e1 situ\u00e1cia vydr\u017e\u00ed. Preto\u017ee sk\u00f4r \u010di nesk\u00f4r bud\u00fa banky aj tak st\u00e1\u0165 pred dilemou \u010di dvihn\u00fa\u0165 \u00farok spa\u0165 alebo riskova\u0165 \u017ee nebud\u00fa splnen\u00e9 finan\u010dn\u00e9 ciele. Ktor\u00e9 boli pre dan\u00fd kvart\u00e1l stanoven\u00e9. Rozhodne si nikto nemysl\u00ed \u017ee bud\u00fa banky riskova\u0165 a preto je len ot\u00e1zkou \u010dasu kedy sa \u00farok dvihne sp\u00e4\u0165 a op\u00e4\u0165 na to doplatia t\u00ed nevinn\u00fd.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pre ka\u017ed\u00e9ho","item":"https:\/\/www.smein.sk\/hypoteka-pre-kazdeho\/#breadcrumbitem"}]}]