{"id":563,"date":"2022-04-22T10:51:04","date_gmt":"2022-04-22T08:51:04","guid":{"rendered":"https:\/\/vecernespravy.sk\/?p=563"},"modified":"2022-04-22T10:51:05","modified_gmt":"2022-04-22T08:51:05","slug":"od-1-aprila-2022-bude-ziskanie-hypoteky-tazsie","status":"publish","type":"post","link":"https:\/\/vecernespravy.sk\/?p=563","title":{"rendered":"Od 1. apr\u00edla 2022 bude z\u00edskanie hypot\u00e9ky \u0165a\u017e\u0161ie"},"content":{"rendered":"\n

Aj ke\u010f nehnute\u013enosti ale aj \u00farokov\u00e9 sadzby pri hypot\u00e9kach st\u00e1le st\u00fapaj\u00fa, z\u00e1ujem o hypot\u00e9ky je st\u00e1le obrovsk\u00fd. \u010co v\u00e1s v roku 2022 \u010dak\u00e1 a \u010do mus\u00edte dodr\u017ea\u0165, aby ste hypot\u00e9ku z\u00edskali?<\/p>\n\n\n\n

Na nejak\u00fa dobu ut\u00edchla t\u00e9ma oh\u013eadom ukazovate\u013eov, pod\u013ea ktor\u00fdch sa v predch\u00e1dzaj\u00facich rokoch za\u010dala novo posudzova\u0165 bonita \u017eiadate\u013ea o hypotek\u00e1rny \u00faver. Po\u010das pand\u00e9mie sa toti\u017e dodr\u017eiavalo iba nepovinne povinn\u00e9 pravidlo \u010cNB, pod\u013ea ktor\u00e9ho mus\u00ed ma\u0165 \u017eiadate\u013e o hypot\u00e9ku na\u0161etren\u00e9 nejak\u00e9 finan\u010dn\u00e9 prostriedky zo svojho vrecka. Od apr\u00edla sa ale za\u010dn\u00fa dodr\u017eiava\u0165 aj dve \u010fal\u0161ie podmienky. \u010co teda potrebujete vedie\u0165, ak budete pod\u00e1va\u0165 \u017eiados\u0165 o hypot\u00e9ku?<\/p>\n\n\n\n

Cena nehnute\u013enosti verzus vy\u0161\u0161ie hypot\u00e9ky
Ak\u00fd mus\u00edte ma\u0165 pr\u00edjem?
Ak\u00e9 vysok\u00e9 m\u00f4\u017ee by\u0165 zadl\u017eenie?
Od kedy sa spr\u00edsnia hypot\u00e9ky?
Cena nehnute\u013enosti verzus vy\u0161\u0161ie hypot\u00e9ky
Ke\u010f v roku 2017 pomaly ale iste za\u010dali vzrasta\u0165 ceny nehnute\u013enost\u00ed a hypot\u00e9ky boli neskuto\u010dne lacn\u00e9, \u010cesk\u00e1 n\u00e1rodn\u00e1 banka zaviedla prv\u00e9 odpor\u00fa\u010danie pre \u010desk\u00e9 banky. Novo mali pri schva\u013eovan\u00ed hypot\u00e9ky dohliada\u0165 aj na tzv. ukazovate\u013e LTV, \u010do je skratka loan to value a vyjadruje pomer medzi v\u00fd\u0161ke hypot\u00e9ky a hodnotou zastavovanej nehnute\u013enosti.<\/p>\n\n\n\n

Jednoducho povedan\u00e9, aby do\u0161lo k dodr\u017eaniu pravidla, objem hypot\u00e9ky mus\u00ed by\u0165 ni\u017e\u0161\u00ed ako hodnota nehnute\u013enosti, \u010do znamen\u00e1, \u017ee pri n\u00e1kupe nebudete cel\u00fa cenu nehnute\u013enosti hradi\u0165 hypot\u00e9kou, ale budete musie\u0165 pr\u00eds\u0165 aj s vlastn\u00fdmi peniazmi. A vzh\u013eadom na pomer a ceny nehnute\u013enost\u00ed to nebude pr\u00e1ve m\u00e1lo.<\/p>\n\n\n\n

Predt\u00fdm bolo nutn\u00e9 ma\u0165 na\u0161etren\u00fdch minim\u00e1lne 10% z hodnoty zastavanej nehnute\u013enosti. Ak ste teda chceli k\u00fapi\u0165 byt o hodnote 6 mili\u00f3nov Sk, potrebovali ste aspo\u0148 600 tis\u00edc Sk. \u010cNB v\u0161ak rozhodla, \u017ee sa LTV zni\u017euje na 80% a novo teda budete potrebova\u0165 pre n\u00e1kup rovnako drah\u00e9ho bytu aspo\u0148 dvojn\u00e1sobok, \u010di\u017ee 1 200 000 Sk.<\/p>\n\n\n\n

Na\u0161\u0165astie aspo\u0148 pre mlad\u00fdch do 36 rokov st\u00e1le plat\u00ed LTV vo v\u00fd\u0161ke 90 %. Podstatn\u00e9 v\u0161ak je, \u017ee sa mus\u00ed v\u017edy jedna\u0165 o ich vlastn\u00e9 b\u00fdvanie.<\/p>\n\n\n\n

Ak\u00fa vysok\u00fa hypot\u00e9ku m\u00e1te?<\/p>\n\n\n\n

Nem\u00e1m hypot\u00e9ku
do 500 tis\u00edc Sk
501 tis\u00edc Sk a\u017e 1 mili\u00f3n Sk
1 mili\u00f3n Sk a\u017e 1,5 mili\u00f3na Sk
1,5 mili\u00f3na Sk a\u017e 2 mili\u00f3ny Sk
2 mili\u00f3ny Sk a\u017e 2,5 mili\u00f3na Sk
2,5 mili\u00f3na Sk a\u017e 3 mili\u00f3ny Sk
3 mili\u00f3ny Sk a\u017e 3,5 mili\u00f3na Sk
3,5 mili\u00f3na Sk a\u017e 4 mili\u00f3ny Sk
Nad 4 mili\u00f3ny Sk
Celkom hlasovalo: 108170
Ak\u00fd mus\u00edte ma\u0165 pr\u00edjem?
V\u00fd\u0161ka pr\u00edjmov v\u017edy patrila k najd\u00f4le\u017eitej\u0161\u00edm faktorom, na ktor\u00fd sa pracovn\u00edci banky pri posudzovan\u00ed \u017eiadosti o hypot\u00e9ku pozerali. Od roku 2018 v\u0161ak \u010cesk\u00e1 n\u00e1rodn\u00e1 banka zaviedla ukazovate\u013e DSTI, ktor\u00fd v\u00fd\u0161ku pr\u00edjmov \u017eiadate\u013ea \u0161pecifikuje bli\u017e\u0161ie.<\/p>\n\n\n\n

U\u017e za p\u00e1r t\u00fd\u017ed\u0148ov teda bude novo povinnos\u0165, nie iba odpor\u00fa\u010danie od \u010cNB, aby na spl\u00e1tku hypotek\u00e1rneho \u00faveru \u017eiadate\u013e vyd\u00e1val maxim\u00e1lne 45 % svojho \u010dist\u00e9ho mesa\u010dn\u00e9ho pr\u00edjmu.<\/p>\n\n\n\n

Osoby mlad\u0161ie ako 36 rokov maj\u00fa op\u00e4\u0165 miernu \u00fa\u013eavu. Sta\u010d\u00ed, ak spl\u00e1tka neprev\u00fd\u0161i 50 % ich \u010distej mzdy.<\/p>\n\n\n\n

\u010c\u00edtajte tie\u017e: Ak\u00e9 pr\u00edjmy sa po\u010d\u00edtaj\u00fa, ke\u010f \u017eiadate o hypot\u00e9ku?<\/p>\n\n\n\n

Ak\u00e9 vysok\u00e9 m\u00f4\u017ee by\u0165 zadl\u017eenie?
Druh\u00fdm ukazovate\u013eom, ktor\u00fd pri\u0161iel spolo\u010dne s DSTI v roku 2018 je DTI. DTI pre zmenu ur\u010duje kompletn\u00fa zadl\u017eenos\u0165 \u017eiadate\u013ea o \u00faver na b\u00fdvanie. V pos\u00faden\u00ed sa potom nezoh\u013ead\u0148uje len v\u00fd\u0161ka hypot\u00e9ky, ale v\u0161etky p\u00f4\u017ei\u010dky, ktor\u00e9 spl\u00e1cate.<\/p>\n\n\n\n

Celkov\u00fd dlh \u017eiadate\u013ea je potom vyjadren\u00fd v n\u00e1sobkoch ro\u010dn\u00e9ho \u010dist\u00e9ho pr\u00edjmu. Objem celkovej v\u00fd\u0161ky dlhu \u017eiadate\u013ea nebude m\u00f4c\u0165 by\u0165 vy\u0161\u0161\u00ed ako 8,5 ro\u010dn\u00fdch \u010dist\u00fdch pr\u00edjmov. Tento limit sa nebude m\u00f4c\u0165 presiahnu\u0165 a\u017e na jednu v\u00fdnimku. T\u00fa samozrejme op\u00e4\u0165 tvoria \u017eiadatelia mlad\u0161\u00ed ako 36 rokov, ktor\u00ed chc\u00fa hypot\u00e9ku pre svoje vlastn\u00e9 b\u00fdvanie, nie napr\u00edklad kv\u00f4li n\u00e1kupu bytu na invest\u00edciu. Celkov\u00fdch dlh mlad\u00fdch \u017eiadate\u013eov m\u00f4\u017ee by\u0165 a\u017e do v\u00fd\u0161ky 9,5 ro\u010dn\u00fdch pr\u00edjmov.<\/p>\n\n\n\n

\"\"
Real estate or property investment. Home mortgage loan rate. Saving money for retirement concept. Coin stack on international banknotes with house model on table. Business growth background<\/figcaption><\/figure><\/div>\n\n\n\n

Od kedy sa spr\u00edsnia hypot\u00e9ky?
Staronov\u00e9 limity sa spr\u00edsnia od 1. apr\u00edla 2022. Zapr\u00ed\u010dinila sa o to novela z\u00e1kona o \u010cNB, ktor\u00e1 z\u00e1rove\u0148 v auguste 2021 udelila centr\u00e1lnej banke pr\u00e1vomoc tieto limity nastavova\u0165.<\/p>\n\n\n\n

Zv\u00fd\u0161ia sa od 1. apr\u00edla 2022 op\u00e4\u0165 \u00farokov\u00e9 sadzby pri hypot\u00e9kach?
Aby toho nebolo m\u00e1lo, tak \u010cNB kv\u00f4li boju s vysokou infl\u00e1ciou pravdepodobne znovu zv\u00fd\u0161i \u00farokov\u00e9 sadzby. To sa prejav\u00ed v \u00farokov\u00fdch sadzb\u00e1ch pri hypotek\u00e1rnych \u00faveroch, ktor\u00e9 op\u00e4\u0165 zdra\u017eia.<\/p>\n","protected":false},"excerpt":{"rendered":"

Aj ke\u010f nehnute\u013enosti ale aj \u00farokov\u00e9 sadzby pri hypot\u00e9kach st\u00e1le st\u00fapaj\u00fa, z\u00e1ujem o hypot\u00e9ky je st\u00e1le obrovsk\u00fd. \u010co v\u00e1s v roku 2022 \u010dak\u00e1 a \u010do mus\u00edte dodr\u017ea\u0165, aby ste hypot\u00e9ku z\u00edskali? Na nejak\u00fa dobu ut\u00edchla t\u00e9ma oh\u013eadom ukazovate\u013eov, pod\u013ea ktor\u00fdch sa v predch\u00e1dzaj\u00facich rokoch za\u010dala novo posudzova\u0165 bonita \u017eiadate\u013ea o hypotek\u00e1rny \u00faver. Po\u010das pand\u00e9mie sa […]<\/p>\n","protected":false},"author":2,"featured_media":564,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-563","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=563"}],"version-history":[{"count":0,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/563\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/media\/564"}],"wp:attachment":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}