[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rusticana.sk\/pomoc-s-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.rusticana.sk\/pomoc-s-hypotekou\/","headline":"Pomoc s hypot\u00e9kou","name":"Pomoc s hypot\u00e9kou","description":"Nemali by ste podceni\u0165 rozhodnutie vzia\u0165 si hypot\u00e9ku, preto\u017ee ona bude po Va\u0161om boku st\u00e1\u0165 e\u0161te dlho a\u00a0sta\u010dia mal\u00e9 chyby, ktor\u00e9 v\u0161ak maj\u00fa za n\u00e1sledok... ","datePublished":"2018-02-12","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.rusticana.sk\/author\/#Person","name":"","url":"https:\/\/www.rusticana.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rusticana.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rusticana.sk\/wp-content\/uploads\/img_a286751_w16574_t1523540291.jpg","url":"https:\/\/www.rusticana.sk\/wp-content\/uploads\/img_a286751_w16574_t1523540291.jpg","height":0,"width":0},"url":"https:\/\/www.rusticana.sk\/pomoc-s-hypotekou\/","about":["Financie"],"wordCount":405,"articleBody":"Nemali by ste podceni\u0165 rozhodnutie vzia\u0165 si hypot\u00e9ku, preto\u017ee ona bude po Va\u0161om boku st\u00e1\u0165 e\u0161te dlho a\u00a0sta\u010dia mal\u00e9 chyby, ktor\u00e9 v\u0161ak maj\u00fa za n\u00e1sledok ve\u013ek\u00e9 probl\u00e9my. Prvotn\u00fdm krokom by malo by\u0165 pre V\u00e1s n\u00e1jdenie Va\u0161ej vysn\u00edvanej nehnute\u013enosti a\u00a0poznanie jej ceny. Nie v\u0161ak podstatn\u00e9 pozna\u0165 len jej cenu ale vykalkulova\u0165 si aj vlastn\u00e9 pr\u00edjmy a\u00a0\u00faspory. A\u017e po tomto kroku sa dok\u00e1\u017eete rozumne rozhodn\u00fa\u0165, ko\u013eko si mus\u00edte po\u017ei\u010da\u0165. Je d\u00f4le\u017eit\u00e9 tie\u017e vedie\u0165, \u010di si zoberiete \u00faver sami alebo do toho zapoj\u00edte aj in\u00e9ho spoludl\u017en\u00edka. Banka V\u00e1m v\u00a0takom pr\u00edpade m\u00f4\u017ee poskytn\u00fa\u0165 v\u00fdhodnej\u0161\u00ed \u00farok. Hovor\u00ed sa, \u017ee va\u0161a spl\u00e1tka by nemala by\u0165 viac ako 1\/3 V\u00e1\u0161ho z\u00e1robku. Ak napr\u00edklad zar\u00e1bate 1000 eur nemali by ste si na vlastn\u00e9 plecia zobra\u0165 spl\u00e1tku v\u00e4\u010d\u0161iu ako 330 eur.\u00darok nie je najpodstatnej\u0161\u00ed faktorMno\u017estvo \u017eiadate\u013eov o\u00a0hypot\u00e9ku sa mylne domnieva, \u017ee pr\u00e1ve v\u00fd\u0161ka \u00faroku je ten najpodstatnej\u0161\u00ed faktor. Bezpochyby je v\u00fd\u0161ka \u00faroku ve\u013emi d\u00f4le\u017eit\u00e1, preto\u017ee pr\u00e1ve v\u010faka nej si viete vypo\u010d\u00edta\u0165 ko\u013eko vlastne na poskytnutej hypot\u00e9ke prerob\u00edte. V\u00a0s\u00fa\u010dasnosti sa \u00faroky pohybuj\u00fa v\u00a0rozmedz\u00ed od 2% a\u017e 6%. Viete, \u017ee ak m\u00e1te do 35 rokov a\u00a0pomerne n\u00edzky pr\u00edjem m\u00f4\u017eete za\u017eiada\u0165 aj o\u00a0hypot\u00e9ku, s\u00a0ktorou V\u00e1s podpor\u00ed \u0161t\u00e1t?Hlavn\u00e9 kroky pri rozhodovan\u00ed o\u00a0hypot\u00e9ke1.\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdber nehnute\u013enosti2.\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdpo\u010det Va\u0161ich pr\u00edjmov, n\u00e1kladov a\u00a0\u00faspor3.\u00a0\u00a0\u00a0\u00a0\u00a0 Nezadl\u017ei\u0165 sa4.\u00a0\u00a0\u00a0\u00a0\u00a0 Urobi\u0165 prieskum medzi \u00farokmi a\u00a0v\u00fdhodn\u00fdmi ponukami5.\u00a0\u00a0\u00a0\u00a0\u00a0 Porovna\u0165 viacero mo\u017en\u00fdch alternat\u00edv6.\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdber najvhodnej\u0161ieho variantu7.\u00a0\u00a0\u00a0\u00a0\u00a0 Spl\u00e1canieHlavn\u00fd postrach – poplatkyOsobitn\u00fa pozornos\u0165 treba venova\u0165 pr\u00e1ve poplatkom. N\u00e1jdete viacero mo\u017enost\u00ed a\u00a0v\u00fdhodn\u00fdch hypot\u00e9k, pri ktorom V\u00e1m s\u013e\u00fabia odpustenie poplatkov za \u00faver, no v\u0161ade h\u013eadajte skryt\u00e9 poplatky. Tak\u00fdmto poplatkom m\u00f4\u017ee by\u0165 napr\u00edklad ohodnotenie Va\u0161ej nehnute\u013enosti znalcom. Nezabudnite ani na vedenie \u00faverov\u00e9ho \u00fa\u010dtu, kde je poplatok pri veden\u00ed pribli\u017ene 3-4 eur\u00e1.Pred tak podstatn\u00fdm krokom v\u00a0\u017eivote ako zaviazanie sa hypot\u00e9kou si na\u0161tudujte v\u0161etky d\u00f4le\u017eit\u00e9 fakty a\u00a0dva kr\u00e1t si rozmyslite \u010di ju ozaj potrebujete.                                                                                                                                                                                                                                                                                                                                                                                        3.8\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pomoc s hypot\u00e9kou","item":"https:\/\/www.rusticana.sk\/pomoc-s-hypotekou\/#breadcrumbitem"}]}]