[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.quito.sk\/hypoteka-nie-je-riesenie-pre-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.quito.sk\/hypoteka-nie-je-riesenie-pre-kazdeho\/","headline":"Hypot\u00e9ka nie je rie\u0161enie pre ka\u017ed\u00e9ho","name":"Hypot\u00e9ka nie je rie\u0161enie pre ka\u017ed\u00e9ho","description":"Pre mlad\u00fdch \u013eud\u00ed je v dne\u0161nej dobe takmer nere\u00e1lne na vlastn\u00fa nehnute\u013enos\u0165 si na\u0161etri\u0165. Vysok\u00e9 ceny za pren\u00e1jom takisto nie s\u00fa ale rie\u0161en\u00edm, aby mlad\u00ed","datePublished":"2023-11-29","dateModified":"2023-11-29","author":{"@type":"Person","@id":"https:\/\/www.quito.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.quito.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"quito.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.quito.sk\/wp-content\/uploads\/financing-3536755_640_2.jpg","url":"https:\/\/www.quito.sk\/wp-content\/uploads\/financing-3536755_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.quito.sk\/hypoteka-nie-je-riesenie-pre-kazdeho\/","about":["Ekonomika"],"wordCount":371,"articleBody":"Pre mlad\u00fdch \u013eud\u00ed je v dne\u0161nej dobe takmer nere\u00e1lne na vlastn\u00fa nehnute\u013enos\u0165 si na\u0161etri\u0165. Vysok\u00e9 ceny za pren\u00e1jom takisto nie s\u00fa ale rie\u0161en\u00edm, aby mlad\u00ed \u013eudia siahli po vlastnom b\u00fdvan\u00ed. Pri n\u00edzkych \u00farokoch, na ktor\u00e9 sme boli zvyknut\u00ed nieko\u013eko rokov dozadu bola v\u00fdhoda vlastnej hypot\u00e9ky ove\u013ea lep\u0161ia ako v pr\u00edpade pren\u00e1jmu. Zatia\u013e \u010do za pren\u00e1jom dvojizbov\u00e9ho bytu ste mesa\u010dne platili v priemere 500 \u20ac, za \u0161tandardn\u00fd dvojizbov\u00fd byt ste si mohli zobra\u0165 hypot\u00e9ku v hodnote 70 000 \u20ac, \u010do predstavovalo mesa\u010dn\u00fa spl\u00e1tku okolo 200 \u20ac. \u00a0\u00a0Ke\u010f si k tomu prir\u00e1tame hodnoty za energie spred piatich rokov, na vlastn\u00e9 b\u00fdvanie ste potrebovali v priemere 350 \u20ac mesa\u010dne \u010do oproti pren\u00e1jmu za 500 \u20ac mesa\u010dne predstavovalo ove\u013ea viac v\u00fdhod. Mesa\u010dne ste zaplatili menej a takisto ste spl\u00e1cali svoju nehnute\u013enos\u0165, ktor\u00e1 v\u00e1m ostane. Mnoho \u013eud\u00ed preto \u017eivot v pren\u00e1jme neoslovil a rad\u0161ej siahali po vlastnom b\u00fdvan\u00ed. No situ\u00e1cia sa takmer zo d\u0148a na de\u0148 zmenila a pri dne\u0161n\u00fdch \u00farokoch na hypot\u00e9kach je vlastn\u00e9 b\u00fdvanie u\u017e len snom pre mnoho mlad\u00fdch \u013eud\u00ed. Dne\u0161n\u00e9 \u00faroky na hypot\u00e9kach predstavuj\u00fa 4% a viac a preto v pr\u00edpade, \u017ee by ste si po\u017ei\u010dali na k\u00fapu dvojizbov\u00e9ho bytu hypot\u00e9ku, museli by ste po\u010d\u00edta\u0165 so spl\u00e1tkou nieko\u013eko stoviek eur. \u00a0\u00a0V priemere sa pod\u013ea lokality \u0161plhaj\u00fa hodnoty bytov s dvojizbovou rozlohou na ceny okolo 100 000 a\u017e 130 000 \u20ac. V\u00fd\u0161ka hypot\u00e9ky za tak\u00fato nehnute\u013enos\u0165 by v\u00e1m z v\u00e1\u0161ho rozpo\u010dtu ukrojila aj 600 \u20ac mesa\u010dne. K tomu mus\u00edte po\u010d\u00edta\u0165 takisto s cenami za energie, ktor\u00e9 posledn\u00e9 roky takisto mnoho n\u00e1sobne vzr\u00e1stli. Ak by ste si mali v dne\u0161nej dobe po\u017ei\u010da\u0165 hypot\u00e9ku na vlastn\u00fd byt, ktor\u00e9ho cena je 130 000, mus\u00edte by\u0165 mesa\u010dne schopn\u00fd potiahnu\u0165 hypot\u00e9ku s energiami v cenovej rel\u00e1cii 700 \u20ac mesa\u010dne a vy\u0161\u0161ie. Preto s\u00fa aj krit\u00e9ria na branie hypot\u00e9ky pr\u00edsnej\u0161ie a\u00a0ak nem\u00e1te dostato\u010dn\u00fd pr\u00edjem s\u00a0vysokou hypot\u00e9kou sa m\u00f4\u017eete rozl\u00fa\u010di\u0165.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (19 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka nie je rie\u0161enie pre ka\u017ed\u00e9ho","item":"https:\/\/www.quito.sk\/hypoteka-nie-je-riesenie-pre-kazdeho\/#breadcrumbitem"}]}]