[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.taskytomi.sk\/chcete-byvat-ihned-v-novom-v-byte-ci-dome\/#Article","mainEntityOfPage":"https:\/\/www.taskytomi.sk\/chcete-byvat-ihned-v-novom-v-byte-ci-dome\/","headline":"Chcete b\u00fdva\u0165 ihne\u010f v novom? V byte \u010di dome?","name":"Chcete b\u00fdva\u0165 ihne\u010f v novom? V byte \u010di dome?","description":"Dnes u\u017e je tak\u00fd trend, hlavne u mladej gener\u00e1cie, chc\u00fa ma\u0165 v\u0161etko hne\u010f. Samozrejme sa to net\u00fdka len pe\u0148az\u00ed a z\u00e1bavy, ale aj b\u00fdvania, ktor\u00e9 je ve\u013emi d\u00f4le\u017eit\u00e9. Star\u0161ia gener\u00e1cia zase berie k\u00fapu bytu ako invest\u00edciu, preto\u017ee zohna\u0165 sporiaci \u00fa\u010det so skuto\u010dne dobr\u00fdm \u00farokom je skoro ut\u00f3pia. Ale je potrebn\u00e9 si uvedomi\u0165, \u017ee ka\u017ed\u00e1 banka […]","datePublished":"2017-02-25","dateModified":"2017-02-25","author":{"@type":"Person","@id":"https:\/\/www.taskytomi.sk\/author\/#Person","name":"","url":"https:\/\/www.taskytomi.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"taskytomi.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.taskytomi.sk\/wp-content\/uploads\/img_a280189_w2008_t1493142442.jpg","url":"https:\/\/www.taskytomi.sk\/wp-content\/uploads\/img_a280189_w2008_t1493142442.jpg","height":0,"width":0},"url":"https:\/\/www.taskytomi.sk\/chcete-byvat-ihned-v-novom-v-byte-ci-dome\/","wordCount":491,"articleBody":"Dnes u\u017e je tak\u00fd trend, hlavne u mladej gener\u00e1cie, chc\u00fa ma\u0165 v\u0161etko hne\u010f. Samozrejme sa to net\u00fdka len pe\u0148az\u00ed a z\u00e1bavy, ale aj b\u00fdvania, ktor\u00e9 je ve\u013emi d\u00f4le\u017eit\u00e9. Star\u0161ia gener\u00e1cia zase berie k\u00fapu bytu ako invest\u00edciu, preto\u017ee zohna\u0165 sporiaci \u00fa\u010det so skuto\u010dne dobr\u00fdm \u00farokom je skoro ut\u00f3pia.Ale je potrebn\u00e9 si uvedomi\u0165, \u017ee ka\u017ed\u00e1 banka m\u00e1 svoje pravidl\u00e1, ktor\u00e9 mus\u00edte dodr\u017ea\u0165, inak si m\u00f4\u017eete o vysn\u00edvanom dom\u010deku necha\u0165 zda\u0165. Medzi najd\u00f4le\u017eitej\u0161ie krit\u00e9ri\u00e1 patr\u00ed pravideln\u00fd pr\u00edjem a nejak\u00e9 \u00faspory. Okrem toho z\u00e1le\u017e\u00ed aj \u010di na \u00faver budete sami alebo ste vydat\u00e1 alebo \u017eenat\u00fd. Aj to zohr\u00e1va pri pos\u00faden\u00ed klienta svoju rolu.\t\tBanky l\u00e1kaj\u00fa na n\u00edzke \u00farokyV uplynulom roku sa dr\u017eali sadzby pr\u00e1ve u hypotek\u00e1rnych \u00faverov ve\u013emi n\u00edzko. Jednotliv\u00e9 pe\u0148a\u017en\u00e9 domy sa doslova predh\u00e1\u0148ali v tom, kto pon\u00fakne lep\u0161ie podmienky. Pre klientov to bolo ako v nebi, mohli si vybera\u0165, kde by sa im viac p\u00e1\u010dilo. Dokonca dve z nich pon\u00fakali nulov\u00fd \u00farok v pr\u00edpade, \u017ee na va\u0161om \u00fa\u010dte m\u00e1te \u010diastku zodpovedaj\u00facu v\u00fd\u0161ke nesplatenej hypot\u00e9ky, ktor\u00fa budete m\u00f4c\u0165 takto kedyko\u013evek dorovna\u0165.V\u010faka tejto priaznivej situ\u00e1cii sa \u013eudia viac zadl\u017euj\u00fa, v\u00e4\u010d\u0161inou sa pr\u00e1ve jedn\u00e1 o oblas\u0165 b\u00fdvania. Napr\u00edklad \u010cesi takto dlhuj\u00fa bank\u00e1m viac ako bili\u00f3n kor\u00fan.O \u010do maj\u00fa klienti najv\u00e4\u010d\u0161\u00ed z\u00e1ujem: je to fix\u00e1cia sadzby na \u010do najdlh\u0161iu dobu, napr\u00edklad na osem alebo desa\u0165 rokov, nemenn\u00e9 a n\u00edzke spl\u00e1tky, nulov\u00e9 poplatky za \u010derpanie \u00faveru a vedenie \u00fa\u010dtu, mo\u017enos\u0165 zmien bez poplatku, \u010derpanie bonusov alebo flexibilitu \u00faveru \u2013 odklad spl\u00e1tok na za\u010diatku spl\u00e1can\u00ed.Konkurencia medzi obchodn\u00edkmi je vysok\u00e1, preto mus\u00ed by\u0165 st\u00e1le o krok na pred. Napr\u00edklad Slovensk\u00e1 sporite\u013e\u0148a spustila od augusta mo\u017enos\u0165 online refinancovania hypotek\u00e1rneho \u00faveru. Samozrejme si nech\u00e1vaj\u00fa robi\u0165 aj r\u00f4zne prieskumy trhu, aby zistili, \u010do klientov naozaj najviac zauj\u00edma a mohli im prisp\u00f4sobi\u0165 aj radu nadv\u00e4zuj\u00facich slu\u017eieb. Ve\u010f okrem hypot\u00e9ky k n\u00e1m klient bude prev\u00e1dza\u0165 v\u0161etky svoje pr\u00edjmy, preto by mu sk\u00fasen\u00ed poradcovia mali by\u0165 schopn\u00ed preda\u0165 \u010fal\u0161ie slu\u017eby, ako napr\u00edklad \u017eivotn\u00e9 poistenie alebo sporenie.Mala by existova\u0165 priama \u00famera medzi pr\u00edjmami a v\u00fddavkami. Ve\u010f ka\u017ed\u00fd \u010dlovek by mal ma\u0165 vytvoren\u00fa rezervu vo v\u00fd\u0161ke minim\u00e1lne troch mesa\u010dn\u00fdch pr\u00edjmov. Niektor\u00e9 banky preto svoje slu\u017eby roz\u0161iruj\u00fa o akcie pre klientov ako je napr\u00edklad \u0161kola investovania, kde sa nau\u010dia ako zv\u00fd\u0161i\u0165 svoje \u00faspory.Mali by sme sa nau\u010di\u0165 pracova\u0165 s peniazmi, aby sme si dok\u00e1zali poradi\u0165 v ka\u017edej \u017eivotnej situ\u00e1cii.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete b\u00fdva\u0165 ihne\u010f v novom? 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