[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skolainak.sk\/hypoteka-alebo-prenajom\/#Article","mainEntityOfPage":"https:\/\/www.skolainak.sk\/hypoteka-alebo-prenajom\/","headline":"Hypot\u00e9ka alebo pren\u00e1jom ?","name":"Hypot\u00e9ka alebo pren\u00e1jom ?","description":"Ak si pl\u00e1nujete k\u00fapi\u0165 najbli\u0161ej dobe nehnute\u013enos\u0165 \u010di u\u017e dom\u010dek alebo byt dobre si to premysl\u00edte. Banky toti\u017e zmenili poplatky , a\u00a0\u00faroky na hypot\u00e9ku. Preto v\u00a0dne\u0161nom \u010dl\u00e1nku si porovn\u00e1me \u010di viac oplat\u00ed hypot\u00e9ka na nov\u00e9 b\u00fdvanie alebo len pren\u00e1jom. \u00a0 \u013dudia si \u010dasto po\u017ei\u010diavaj\u00fa na dvoj alebo troj izbov\u00fd byt. No ak si zoberiete hypot\u00e9ku […]","datePublished":"2018-01-22","dateModified":"2018-01-22","author":{"@type":"Person","@id":"https:\/\/www.skolainak.sk\/author\/#Person","name":"","url":"https:\/\/www.skolainak.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skolainak.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.skolainak.sk\/wp-content\/uploads\/img_a286193_w16485_t1521744444.jpg","url":"https:\/\/www.skolainak.sk\/wp-content\/uploads\/img_a286193_w16485_t1521744444.jpg","height":0,"width":0},"url":"https:\/\/www.skolainak.sk\/hypoteka-alebo-prenajom\/","wordCount":423,"articleBody":"\tAk si pl\u00e1nujete k\u00fapi\u0165 najbli\u0161ej dobe nehnute\u013enos\u0165 \u010di u\u017e dom\u010dek alebo byt dobre si to premysl\u00edte. Banky toti\u017e zmenili poplatky , a\u00a0\u00faroky na hypot\u00e9ku. Preto v\u00a0dne\u0161nom \u010dl\u00e1nku si porovn\u00e1me \u010di viac oplat\u00ed hypot\u00e9ka na nov\u00e9 b\u00fdvanie alebo len pren\u00e1jom. \t\u00a0\t\u013dudia si \u010dasto po\u017ei\u010diavaj\u00fa na dvoj alebo troj izbov\u00fd byt. No ak si zoberiete hypot\u00e9ku m\u00f4\u017eete sa zadl\u017ei\u0165 na dlh\u00fdch 30 rokov . \u010co je ve\u013emi dlh\u00e1 doba na be\u017en\u00e9ho \u010dloveka. \t\u00a0\tAk si teda porovn\u00e1me hypot\u00e9ku a\u00a0n\u00e1jom mesa\u010dne n\u00e1m to vide takmer rovnako. Za hypot\u00e9ku zaplat\u00edte mesa\u010dne cca 550 \u20ac\u00a0 a\u00a0mesa\u010dne za pren\u00e1jom zaplat\u00edte o\u00a0p\u00e1r eur menej aj s\u00a0energiami. \t\u00a0\tNo to bolo porovnanie len v\u00a0Bratislave ale in\u00fdch okresoch sa cena za hypot\u00e9ku a\u00a0n\u00e1jomn\u00e9 m\u00f4\u017ee l\u00ed\u0161i\u0165. Ak teda si chcete zobra\u0165 hypot\u00e9ku mus\u00edte splni\u0165 z\u00e1kladne po\u017eiadavky banky. Ak si chcete k\u00fapi\u0165 nehnute\u013enos\u0165 mus\u00edte by\u0165 dvaja aby V\u00e1m vy\u0161la v\u00fd\u0161ia hypot\u00e9ka. Do v\u00fd\u0161ky hypot\u00e9ky sa po\u010d\u00edtaj\u00fa v\u0161etky aktu\u00e1lne p\u00f4\u017ei\u010dky a\u00a0hypot\u00e9ky ktor\u00e9 m\u00e1te. To znamen\u00e1 \u017ee ak m\u00e1te mesa\u010dn\u00e9 n\u00e1klady , t\u00fdm sa m\u00f4\u017ee odrazi\u0165 v\u00fd\u0161ka hypot\u00e9ky za nehnute\u013enos\u0165. \t\u00a0\tMus\u00edte ale po\u010d\u00edta\u0165 st\u00fdm \u017ee ak s\u00a0zoberiete\u00a0 hypot\u00e9ku , je to beh na dlh\u00fa trati a\u00a0celkov\u00e9 vybavenie m\u00f4\u017ee trva\u0165 aj nieko\u013eko mesiacov. \t\u00a0\tPre Niektor\u00fd nov\u00fdch z\u00e1kazn\u00edkoch b\u00e1nk m\u00f4\u017eu by\u0165 hypot\u00e9ky nedostupn\u00e9. V\u0161etko m\u00f4\u017ee z\u00e1visie\u0165 od v\u00fd\u0161ky V\u00e1\u0161ho spol\u010den\u00e9ho pr\u00edmu alebo usporenej hodnoty . \t\u00a0\tV\u00a0tomto pr\u00edpade je nev\u00fdhodnej\u0161ie ako si zoberiete byt do pren\u00e1jmu. Mesa\u010dne zaplat\u00edte od\u00a0 300 do 600 \u20ac ( z\u00e1le\u017e\u00ed od okresu alebo dan\u00e9ho mesta ). Ak by ste \u00a0chceli vlastn\u00fd dom\u010dek mus\u00edte po\u010dka\u0165 pokia\u013e banky nezmenia aktu\u00e1lne ponuky za v\u00fdhodnej\u0161ie , no m\u00f4\u017ee to trva\u0165 aj nieko\u013eko rokov. M\u00f4j n\u00e1zor je tak\u00fd \u017ee samotn\u00e9 banky sa pripravuj\u00fa o\u00a0peniaze a\u00a0\u013eudia si nebud\u00fa m\u00f4c\u0165 K\u00fapi\u0165 dom nieko\u013eko rokov\u00a0 , \u010do m\u00f4\u017ee sp\u00f4sobi\u0165 aj pat nieko\u013eko b\u00e1nk na trhu . ale ako som povedal je to len m\u00f4j\u00a0 osobn\u00fd n\u00e1zor , a\u00a0bud\u00facnosti uvid\u00edme \u010di sa to zmen\u00ed alebo p\u00f4jde dole vodou.                                                                                                                                                                                                                                                                                                                                                                                         3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka alebo pren\u00e1jom ?","item":"https:\/\/www.skolainak.sk\/hypoteka-alebo-prenajom\/#breadcrumbitem"}]}]