[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.calliditas.sk\/prehlad-zmien-v-poskytovani-hypotekarnych-uverov\/#Article","mainEntityOfPage":"https:\/\/www.calliditas.sk\/prehlad-zmien-v-poskytovani-hypotekarnych-uverov\/","headline":"Preh\u013ead zmien v poskytovan\u00ed hypotek\u00e1rnych \u00faverov","name":"Preh\u013ead zmien v poskytovan\u00ed hypotek\u00e1rnych \u00faverov","description":"Od 1. j\u00fala 2018 platia nov\u00e9 pravidl\u00e1 pre poskytovanie hypot\u00e9k na Slovensku. N\u00e1rodn\u00e1 banka Slovenska toti\u017e chcela, aby sa zn\u00ed\u017eilo tempo zadl\u017eovania sa. Opatrenia sa … ","datePublished":"2018-08-04","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.calliditas.sk\/author\/#Person","name":"","url":"https:\/\/www.calliditas.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"calliditas.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.calliditas.sk\/wp-content\/uploads\/img_a291805_w16477_t1538665134.jpg","url":"https:\/\/www.calliditas.sk\/wp-content\/uploads\/img_a291805_w16477_t1538665134.jpg","height":0,"width":0},"url":"https:\/\/www.calliditas.sk\/prehlad-zmien-v-poskytovani-hypotekarnych-uverov\/","about":["Ekonomika"],"wordCount":369,"articleBody":"Od 1. j\u00fala 2018 platia nov\u00e9 pravidl\u00e1 pre poskytovanie hypot\u00e9k na Slovensku. N\u00e1rodn\u00e1 banka Slovenska toti\u017e chcela, aby sa zn\u00ed\u017eilo tempo zadl\u017eovania sa. Opatrenia sa t\u00fdkaj\u00fa napr\u00edklad poskytovania hypotek\u00e1rnych \u00faverov nad 90% z\u00a0hodnoty nehnute\u013enosti \u2013 konkr\u00e9tne toto m\u00e1 by\u0165 zak\u00e1zan\u00e9. Nov\u00e9 opatrenia v\u0161ak sp\u00f4sobili chaos a\u00a0\u013eudia si h\u00fafne za\u010dali bra\u0165 hypot\u00e9ky, aby to stihli e\u0161te pred t\u00fdm, ako za\u010dn\u00fa plati\u0165 nov\u00e9 pravidl\u00e1.Za posledn\u00e9 tri roky si Slov\u00e1ci zobrali najviac \u00faverov v\u00a0porovnan\u00ed s\u00a0in\u00fdmi krajinami E\u00da. Vhodn\u00e9 podmienky pre zadl\u017eovanie sa poskytli faktory ako najni\u017e\u0161ie percento nezamestnanosti, n\u00e1rast pr\u00edjmov, n\u00edzke \u00farokov\u00e9 sadzby a\u00a0boj o\u00a0klienta medzi jednotliv\u00fdmi bankami.Zmeny v\u00a0poskytovan\u00ed hypot\u00e9k sa dotkn\u00fa len nov\u00fdch \u00faverov a\u00a0to konkr\u00e9tne tak\u00fdmto sp\u00f4sobom:\u00a0Obmedzenie hypot\u00e9k, ak pomer hypot\u00e9ky a\u00a0hodnoty zalo\u017eenej nehnute\u013enosti prekro\u010d\u00ed 80%. V\u00a0podstate toto fungovalo aj doteraz, len sa to spr\u00edsnilo a\u00a0dotklo hypot\u00e9k medzi 80 \u2013 90% a\u00a0nad 90% z\u00a0hodnoty nehnute\u013enosti.\u00a0Zru\u0161enie hypot\u00e9k nad 90% hodnoty nehnute\u013enosti. V\u00a0minulosti to fungovalo tak, \u017ee ak \u017eiadate\u013e o\u00a0hypot\u00e9ku mal dobr\u00fd pr\u00edjem, mohol hypot\u00e9ku do 100% hodnoty nehnute\u013enosti dofinancova\u0165 spotrebn\u00fdm \u00faverom. Po nov\u00fdch opatreniach to u\u017e nebude mo\u017en\u00e9, preto\u017ee sa stanovil tzv. \u00faverov\u00fd strop, ktor\u00fd predstavuje 8-n\u00e1sobok \u010dist\u00e9ho pr\u00edjmu \u017eiadate\u013ea.\u00a0Men\u0161ia dostupnos\u0165 hypot\u00e9k medzi 80 \u2013 90%.Tak\u00e9to \u00favery v\u00a0minulosti tvorili 40% v\u0161etk\u00fdch \u00faverov, teraz je to u\u017e len 35%, a\u00a0malo by sa to zn\u00ed\u017ei\u0165 a\u017e na \u00farove\u0148 20%.\u00a0 Z\u00a0toho vypl\u00fdva, \u017ee poskytnutie hypot\u00e9ky do v\u00fd\u0161ky 90% hodnoty nehnute\u013enost\u00ed nebude celkom nemo\u017en\u00e9, ide o\u00a0to, \u017ee banka nebude m\u00f4c\u0165 presiahnu\u0165 hranicu 20% z\u00a0nov\u00fdch poskytnut\u00fdch \u00faverov.\u00a0Pomer zadl\u017eenosti a\u00a0celkov\u00e9ho pr\u00edjmu nad 8\u2013 to je strop, ktor\u00fd zaviedla NBS. Presne to znamen\u00e1, \u017ee va\u0161e dlhy by nemali presiahnu\u0165 8-n\u00e1sobok v\u00e1\u0161ho pr\u00edjmu za rok. Nemus\u00edte sa v\u0161ak b\u00e1\u0165, ak je va\u0161a miera zadl\u017eenosti vy\u0161\u0161ia ako 8, preto\u017ee banka v\u00e1m v\u00a0obmedzenej miere bude m\u00f4c\u0165 \u00faver poskytn\u00fa\u0165.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Preh\u013ead zmien v poskytovan\u00ed hypotek\u00e1rnych \u00faverov","item":"https:\/\/www.calliditas.sk\/prehlad-zmien-v-poskytovani-hypotekarnych-uverov\/#breadcrumbitem"}]}]