[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.decus.sk\/sprisnene-pravidla-pri-hypotekach-sposobili-ze-ziadatelia-musia-disponovat-vacsou-financnou-rezervou\/#Article","mainEntityOfPage":"https:\/\/www.decus.sk\/sprisnene-pravidla-pri-hypotekach-sposobili-ze-ziadatelia-musia-disponovat-vacsou-financnou-rezervou\/","headline":"Spr\u00edsnen\u00e9 pravidl\u00e1 pri hypot\u00e9kach sp\u00f4sobili, \u017ee \u017eiadatelia musia disponova\u0165 v\u00e4\u010d\u0161ou finan\u010dnou rezervou","name":"Spr\u00edsnen\u00e9 pravidl\u00e1 pri hypot\u00e9kach sp\u00f4sobili, \u017ee \u017eiadatelia musia disponova\u0165 v\u00e4\u010d\u0161ou finan\u010dnou rezervou","description":"Jedinou cestou ako sa dosta\u0165 k nov\u00e9mu b\u00fdvaniu alebo mo\u017enosti rekon\u0161trukcie \u010di prestavby nehnute\u013enosti s\u00fa spotrebn\u00e9 \u00favery alebo hypot\u00e9ky, no z\u00edska\u0165 ich je od za\u010diatku tohto roka op\u00e4\u0165 \u0165a\u017e\u0161ie. K…","datePublished":"2020-01-11","dateModified":"2020-01-11","author":{"@type":"Person","@id":"https:\/\/www.decus.sk\/author\/#Person","name":"","url":"https:\/\/www.decus.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"decus.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.decus.sk\/wp-content\/uploads\/img_a309777_w16897_t1580231444.jpg","url":"https:\/\/www.decus.sk\/wp-content\/uploads\/img_a309777_w16897_t1580231444.jpg","height":0,"width":0},"url":"https:\/\/www.decus.sk\/sprisnene-pravidla-pri-hypotekach-sposobili-ze-ziadatelia-musia-disponovat-vacsou-financnou-rezervou\/","about":["Ekonomika"],"wordCount":418,"articleBody":"Jedinou cestou ako sa dosta\u0165 k nov\u00e9mu b\u00fdvaniu alebo mo\u017enosti rekon\u0161trukcie \u010di prestavby nehnute\u013enosti s\u00fa spotrebn\u00e9 \u00favery alebo hypot\u00e9ky, no z\u00edska\u0165 ich je od za\u010diatku tohto roka op\u00e4\u0165 \u0165a\u017e\u0161ie.K dispoz\u00edcii bude men\u0161ia suma Za t\u00fato situ\u00e1ciu m\u00f4\u017ee N\u00e1rodn\u00e1 banka Slovenska, preto\u017ee zn\u00ed\u017eila limit pre podiel spl\u00e1tok z 80 na 60%, \u010d\u00edm sa sna\u017e\u00ed zabr\u00e1ni\u0165 zadl\u017eovaniu predov\u0161etk\u00fdm t\u00fdch \u013eud\u00ed, u ktor\u00fdch je predpoklad, \u017ee v \u010dase pr\u00edpadnej kr\u00edzy nebud\u00fa schopn\u00ed spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky. Opatrenie prin\u00fati \u017eiadate\u013ea ma\u0165 k dispoz\u00edcii v\u00e4\u010d\u0161iu rezervu pe\u0148az\u00ed, a to na druhej strane sp\u00f4sob\u00ed, \u017ee banka im schv\u00e1li \u00faver v ni\u017e\u0161ej v\u00fd\u0161ke ako po\u017eadovali. Poc\u00edtia to hlavne tie dom\u00e1cnosti, ktor\u00fdch v\u00fddavky s\u00fa u\u017e takpovediac hrani\u010dn\u00e9.Najviac postihnut\u00e9 bud\u00fa viacdetn\u00e9 rodiny Spr\u00edsnen\u00e9 pravidl\u00e1 v\u0161ak bud\u00fa ma\u0165 vplyv na niektor\u00e9 skupiny \u013eud\u00ed, ktor\u00ed svoje \u00faverov\u00e9 schopnosti bud\u00fa musie\u0165 prehodnoti\u0165 a z\u00e1rove\u0148 zn\u00ed\u017ei\u0165 z n\u00e1rokov na b\u00fdvanie. Bude pre nich nevyhnutn\u00e9 uskromni\u0165 sa. Dot\u00fdka\u0165 sa to m\u00f4\u017ee najm\u00e4 rod\u00edn s de\u0165mi s ni\u017e\u0161\u00edm pr\u00edjmom, preto\u017ee finan\u010dn\u00e1 rezerva sa rozpo\u010d\u00edtava aj na deti. Ostatn\u00fdch klientov sa dotkne len minim\u00e1lne. Regulovanie \u00faverov je v dne\u0161nej situ\u00e1cii potrebn\u00e9, no je ot\u00e1zne, \u010di zvolen\u00e1 forma je t\u00e1 spr\u00e1vna. M\u00f4\u017ee to toti\u017e sp\u00f4sobi\u0165 umel\u00e9 zvy\u0161ovanie pr\u00edjmov klientov, ktor\u00ed bud\u00fa \u017eiadate\u013emi v tomto roku a okrem toho sa posiln\u00ed rast cien pren\u00e1jmov a nehnute\u013enost\u00ed. A tie sa nezn\u00ed\u017eia ani po spomalen\u00ed tempa \u00faverovania.M\u00e1lo financi\u00ed dofinancujeme Je pravda, \u017ee slovensk\u00e9 dom\u00e1cnosti sa spomedzi kraj\u00edn E\u00da zadl\u017euj\u00fa najr\u00fdchlej\u0161ie, a to aj napriek opatreniam NBS. Tie v\u0161ak pod\u013ea analytikov bud\u00fa obmedzova\u0165 len ur\u010dit\u00fa skupinu \u013eud\u00ed, ale nezastavia ho \u00faplne. Klienti \u00faver s\u00edce z\u00edskaj\u00fa, ale bud\u00fa ma\u0165 probl\u00e9m s dofinancovan\u00edm ch\u00fdbaj\u00facej sumy, no ani t\u00e1to skuto\u010dnos\u0165 na r\u00fdchlos\u0165 rastu v tomto roku nebude ma\u0165 z\u00e1sadn\u00fd vplyv. O\u010dak\u00e1va sa, \u017ee ak u\u017e drah\u0161\u00ed spotrebn\u00fd \u00faver nebude mo\u017en\u00fd, tak sa klienti rozhodn\u00fa pre kombin\u00e1ciu medzi\u00faveru stavebnej sporite\u013ene a hypot\u00e9ky, a to by mohol by\u0165 sp\u00f4sob ako sa dok\u00e1\u017eu zmesti\u0165 do vy\u017eadovan\u00e9ho limitu spl\u00e1tok oproti pr\u00edjmu.                                                                                                                                                                                                                                                                                                                                                                                                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