[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ksutt.sk\/ako-sa-vyhnut-hypoteke\/#Article","mainEntityOfPage":"https:\/\/www.ksutt.sk\/ako-sa-vyhnut-hypoteke\/","headline":"Ako sa vyhn\u00fa\u0165 hypot\u00e9ke","name":"Ako sa vyhn\u00fa\u0165 hypot\u00e9ke","description":"Pri slove hypot\u00e9ka n\u00e1m ako prv\u00e9 napadne mno\u017estvo dokladovania, administrat\u00edvy, n\u00e1v\u0161tevy banky a r\u00f4znych nehnute\u013enost\u00ed, spolupr\u00e1ca s realitn\u00fdmi makl\u00e9rmi&#8230; To v\u0161etko ale nie je z\u00e1rukou, \u017ee z\u00edskate svoje vlastn\u00e9 b\u00fdvanie. Ako sa vyhn\u00fa\u0165 viazanosti nieko\u013eko rokov? Nejedn\u00e9ho majite\u013ea nehnute\u013enosti, ktor\u00e9mu k jej z\u00edskaniu pomohla hypot\u00e9ka po nociach m\u00e1taj\u00fa zl\u00e9 sny. Pre\u010do je hypot\u00e9ka tak\u00fdm stra\u0161iakom &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.ksutt.sk\/ako-sa-vyhnut-hypoteke\/\"> <span class=\"screen-reader-text\">Ako sa vyhn\u00fa\u0165 hypot\u00e9ke<\/span> Read More &raquo;<\/a><\/p>","datePublished":"2023-11-22","dateModified":"2024-02-21","author":{"@type":"Person","@id":"https:\/\/www.ksutt.sk\/author\/#Person","name":"","url":"https:\/\/www.ksutt.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ksutt.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ksutt.sk\/wp-content\/uploads\/veranda-349696_1280_3.jpg","url":"https:\/\/www.ksutt.sk\/wp-content\/uploads\/veranda-349696_1280_3.jpg","height":0,"width":0},"url":"https:\/\/www.ksutt.sk\/ako-sa-vyhnut-hypoteke\/","about":["Financie"],"wordCount":451,"articleBody":"       Pri slove hypot\u00e9ka n\u00e1m ako prv\u00e9 napadne mno\u017estvo dokladovania, administrat\u00edvy, n\u00e1v\u0161tevy banky a r\u00f4znych nehnute\u013enost\u00ed, spolupr\u00e1ca s realitn\u00fdmi makl\u00e9rmi&#8230; To v\u0161etko ale nie je z\u00e1rukou, \u017ee z\u00edskate svoje vlastn\u00e9 b\u00fdvanie. Ako sa vyhn\u00fa\u0165 viazanosti nieko\u013eko rokov? Nejedn\u00e9ho majite\u013ea nehnute\u013enosti, ktor\u00e9mu k jej z\u00edskaniu pomohla hypot\u00e9ka po nociach m\u00e1taj\u00fa zl\u00e9 sny. Pre\u010do je hypot\u00e9ka tak\u00fdm stra\u0161iakom pre modern\u00e9 mlad\u00e9 rodiny? Jednou odpove\u010fou je mno\u017estvo dokumentov, ktor\u00e9 treba pripravi\u0165. Osobn\u00e9 \u00fadaje, citliv\u00e9 inform\u00e1cie o pr\u00edme a n\u00e1kladoch, ktor\u00e9 mus\u00edte banke poskytn\u00fa\u0165 aby sa mohla rozhodn\u00fa\u0165, \u010di ste vhodn\u00fdm kandid\u00e1tom na z\u00edskanie hypot\u00e9ky. A st\u00e1le nie je ist\u00e9, \u017ee ju dostanete. Zd\u013ahav\u00e9 vybavovanie obmedzuje \u013eud\u00ed tak \u010dasovo ale aj finan\u010dne. Z\u00e1v\u00e4zok, ktor\u00fd z nej vypl\u00fdva je pritom \u010falekosiahli. Mus\u00edte sa pripravi\u0165 na mesiace a roky spl\u00e1cania nemalej sumy. V dobe kr\u00edzy je zaviazanie sa k dlhoro\u010dn\u00e9mu spl\u00e1caniu ur\u010ditou formou hazardu. Ako ob\u00eds\u0165 obrovsk\u00e9 sumy za k\u00fapu nehnute\u013enosti a u\u0161etri\u0165 tak nieko\u013eko desiatok tis\u00edc eur? M\u00f4\u017eete \u00eds\u0165 b\u00fdva\u0165 do podn\u00e1jmu. Av\u0161ak aj tam mus\u00edte plati\u0165 mesa\u010dne nemal\u00e9 sumy za nie\u010do, \u010do koniec &#8211; koncov ani nie je Va\u0161e. Bud\u00facnos\u0165 je v tomto smere tie\u017e neist\u00e1. Pred\u013a\u017ei majite\u013e bytu \u010di domu zmluvu o pren\u00e1jme? Budem vedie\u0165 spl\u00e1ca\u0165 mesa\u010dne sumu za pren\u00e1jom? To s\u00fa \u010fal\u0161ie nezodpovedan\u00e9 ot\u00e1zky, ktor\u00e9 V\u00e1s m\u00f4\u017eu potr\u00e1pi\u0165. M\u00f4\u017eete si n\u00e1js\u0165 pr\u00e1cu, ktor\u00e1 poskytuje ubytovanie. Aj to je jednou mo\u017enos\u0165ou. Op\u00e4\u0165 ale pracujeme s verziou, \u017ee nie ste majite\u013eom b\u00fdvania a nehnute\u013enos\u0165 V\u00e1m osobne nepatr\u00ed. Ko\u013eko stoj\u00ed k\u00fapa rodinn\u00e9ho domu. Pri cen\u00e1ch realitn\u00e9ho trhu je d\u00f4le\u017eit\u00e9, v akej lokalite pl\u00e1nujete dom k\u00fapi\u0165. Od toho sa odv\u00edja cena nehnute\u013enosti. R\u00e1dovo ale m\u00f4\u017eeme spriemerova\u0165 k\u00fapu nov\u00e9ho domu na cca 150000 eur. Samozrejme suma je priemer a je orienta\u010dn\u00e1. Vedeli ste v\u0161ak, \u017ee existuje mo\u017enos\u0165 ako b\u00fdva\u0165 v novom dome a u\u0161etri\u0165 aj polovicu z tejto sumy? Mo\u017eno ste u\u017e po\u010duli o ekologickej\u0161ej a n\u00edzkon\u00e1kladovej mo\u017enosti b\u00fdvania &#8211; mobiln\u00e9 domy https:\/\/www.euro-mobilnedomy.sk\/. \u010coraz viac \u013eud\u00ed sa prikl\u00e1\u0148a k tejto ekonomicky efekt\u00edvnej\u0161ej mo\u017enosti b\u00fdvania. Jej k\u00fapa je jednoduch\u0161ia, potrebujete men\u0161\u00ed kapit\u00e1l a je \u0161it\u00e1 na mieru Va\u0161\u00edm potreb\u00e1m.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako sa vyhn\u00fa\u0165 hypot\u00e9ke","item":"https:\/\/www.ksutt.sk\/ako-sa-vyhnut-hypoteke\/#breadcrumbitem"}]}]