{"id":17985,"date":"2026-10-18T09:04:49","date_gmt":"2026-10-18T07:04:49","guid":{"rendered":"https:\/\/realitysivanou.sk\/?p=17985"},"modified":"2026-10-18T09:04:50","modified_gmt":"2026-10-18T07:04:50","slug":"co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek","status":"publish","type":"post","link":"https:\/\/realitysivanou.sk\/en\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/","title":{"rendered":"What can clients expect regarding mortgages in the coming months?"},"content":{"rendered":"<p>Hypotek\u00e1rny trh \u010dak\u00e1 v najbli\u017e\u0161\u00edch mesiacoch nieko\u013eko d\u00f4le\u017eit\u00fdch zmien, ktor\u00e9 ovplyvnia v\u00fd\u0161ku schv\u00e1len\u00fdch \u00faverov, mo\u017enosti financovania aj celkov\u00e9 mesa\u010dn\u00e9 spl\u00e1tky. Ak pl\u00e1nujete k\u00fapu nehnute\u013enosti alebo refinancovanie hypot\u00e9ky, niektor\u00e9 rozhodnutia sa oplat\u00ed rie\u0161i\u0165 sk\u00f4r, ne\u017e sa podmienky spr\u00edsnia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u00darokov\u00e9 sadzby m\u00f4\u017eu op\u00e4\u0165 r\u00e1s\u0165<\/h2>\n\n\n\n<p>Rast\u00faca infl\u00e1cia a rozhodnutia Eur\u00f3pskej centr\u00e1lnej banky m\u00f4\u017eu znamena\u0165 \u010fal\u0161\u00ed rast hypotek\u00e1rnych sadzieb. U\u017e dnes sa be\u017en\u00e9 \u00faroky pri 3-ro\u010dn\u00fdch fix\u00e1ci\u00e1ch pohybuj\u00fa okolo 3,6 a\u017e 3,8 %, pri\u010dom hranica 4 % nemus\u00ed by\u0165 \u010faleko.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre\u010do zv\u00e1\u017ei\u0165 5-ro\u010dn\u00fa fix\u00e1ciu?<\/h3>\n\n\n\n<p>Rozdiel medzi 3-ro\u010dnou a 5-ro\u010dnou fix\u00e1ciou je moment\u00e1lne mal\u00fd. Dlh\u0161ia fix\u00e1cia tak m\u00f4\u017ee prinies\u0165 v\u00e4\u010d\u0161iu istotu, najm\u00e4 mlad\u00fdm rodin\u00e1m alebo klientom s men\u0161ou finan\u010dnou rezervou.<\/p>\n\n\n\n<p>Ak by \u00farokov\u00e9 sadzby v bud\u00facnosti klesli, hypot\u00e9ku je mo\u017en\u00e9 refinancova\u0165 alebo upravi\u0165 podmienky financovania.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hypotek\u00e1rne certifik\u00e1ty m\u00f4\u017eu u\u0161etri\u0165 peniaze<\/h3>\n\n\n\n<p>Klienti, ktor\u00ed e\u0161te len h\u013eadaj\u00fa nehnute\u013enos\u0165, m\u00f4\u017eu vyu\u017ei\u0165 hypotek\u00e1rny certifik\u00e1t. Ten im umo\u017en\u00ed rezervova\u0165 si aktu\u00e1lnu \u00farokov\u00fa sadzbu na nieko\u013eko mesiacov a ochr\u00e1ni\u0165 sa pred pr\u00edpadn\u00fdm rastom sadzieb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Od j\u00fala m\u00f4\u017ee klesn\u00fa\u0165 maxim\u00e1lna v\u00fd\u0161ka hypot\u00e9ky<\/h2>\n\n\n\n<p>Ka\u017edoro\u010dn\u00e9 zv\u00fd\u0161enie \u017eivotn\u00e9ho minima ovplyv\u0148uje v\u00fdpo\u010det bonity. Banka mus\u00ed klientovi po zaplaten\u00ed v\u0161etk\u00fdch z\u00e1v\u00e4zkov ponecha\u0165 vy\u0161\u0161iu minim\u00e1lnu sumu na \u017eivotn\u00e9 n\u00e1klady, \u010do m\u00f4\u017ee zn\u00ed\u017ei\u0165 maxim\u00e1lnu v\u00fd\u0161ku schv\u00e1len\u00e9ho \u00faveru.<\/p>\n\n\n\n<p>Najviac sa to m\u00f4\u017ee dotkn\u00fa\u0165:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>rod\u00edn s de\u0165mi<\/li>\n\n\n\n<li>klientov s ni\u017e\u0161\u00edm pr\u00edjmom<\/li>\n\n\n\n<li>\u017eiadate\u013eov, ktor\u00ed s\u00fa na hranici schv\u00e1lenia<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Jese\u0148 m\u00f4\u017ee prinies\u0165 nov\u00e9 pravidl\u00e1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Mlad\u00ed kupuj\u00faci m\u00f4\u017eu z\u00edska\u0165 viac<\/h3>\n\n\n\n<p>O\u010dak\u00e1va sa, \u017ee klienti do 35 rokov by mohli ma\u0165 jednoduch\u0161\u00ed pr\u00edstup k 90 % hypot\u00e9kam. To by pomohlo najm\u00e4 t\u00fdm, ktor\u00ed maj\u00fa dostato\u010dn\u00fd pr\u00edjem, ale ch\u00fdbaj\u00fa im vlastn\u00e9 \u00faspory.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investori m\u00f4\u017eu potrebova\u0165 viac vlastn\u00fdch zdrojov<\/h3>\n\n\n\n<p>Pri k\u00fape tretej a \u010fal\u0161ej nehnute\u013enosti sa o\u010dak\u00e1va spr\u00edsnenie podmienok. Financovanie by mohlo by\u0165 obmedzen\u00e9 na 70 % hodnoty nehnute\u013enosti, \u010do znamen\u00e1 potrebu vy\u0161\u0161ieho podielu vlastn\u00fdch pe\u0148az\u00ed.<\/p>\n\n\n\n<p>Pre investorov preto m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9 rie\u0161i\u0165 financovanie e\u0161te pod\u013ea s\u00fa\u010dasn\u00fdch pravidiel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Na \u010do si da\u0165 pozor?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Schva\u013eovanie hypot\u00e9k nie je v\u0161ade rovnako r\u00fdchle<\/h3>\n\n\n\n<p>D\u013a\u017eka schva\u013eovania sa medzi bankami l\u00ed\u0161i. Preto je d\u00f4le\u017eit\u00e9 nastavi\u0165 dostato\u010dn\u00e9 term\u00edny v k\u00fapnych zmluv\u00e1ch a po\u010d\u00edta\u0165 s \u010dasovou rezervou.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u017divnostn\u00edci by mali porovn\u00e1va\u0165 viac b\u00e1nk<\/h3>\n\n\n\n<p>Ka\u017ed\u00e1 banka posudzuje pr\u00edjmy SZ\u010cO odli\u0161ne. Rozdiel v schv\u00e1lenej hypot\u00e9ke m\u00f4\u017ee by\u0165 aj nieko\u013eko desiatok tis\u00edc eur, preto sa oplat\u00ed porovna\u0165 viac mo\u017enost\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ceny nehnute\u013enost\u00ed zatia\u013e v\u00fdrazn\u00fd pokles ne\u010dak\u00e1<\/h3>\n\n\n\n<p>Vysok\u00e9 ceny stavebn\u00fdch materi\u00e1lov a obmedzen\u00e1 ponuka na trhu zatia\u013e nenazna\u010duj\u00fa v\u00fdrazn\u00e9 zlac\u0148ovanie. Mierny pokles cien sa m\u00f4\u017ee t\u00fdka\u0165 najm\u00e4 star\u0161\u00edch bytov v p\u00f4vodnom stave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Rok 2027 m\u00f4\u017ee prinies\u0165 viacero zmien, ktor\u00e9 ovplyvnia mo\u017enosti financovania b\u00fdvania. \u010ci u\u017e ide o rast \u00farokov, zmenu \u017eivotn\u00e9ho minima alebo nov\u00e9 pravidl\u00e1 pre mlad\u00fdch kupuj\u00facich a investorov, spr\u00e1vne na\u010dasovanie m\u00f4\u017ee klientom u\u0161etri\u0165 tis\u00edce eur.<\/p>\n\n\n\n<p>Ak pl\u00e1nujete k\u00fapu nehnute\u013enosti, refinancovanie hypot\u00e9ky alebo si len chcete overi\u0165 svoje mo\u017enosti financovania, ozvite sa mi. Spolo\u010dne sa pozrieme na va\u0161u situ\u00e1ciu, porovn\u00e1me aktu\u00e1lne mo\u017enosti na trhu a n\u00e1jdeme rie\u0161enie, ktor\u00e9 bude d\u00e1va\u0165 zmysel dnes aj v bud\u00facnosti. Kontaktujte ma a priprav\u00edme sa na zmeny v\u010das.<\/p>\n\n\n\n<p><strong>Contact me:<\/strong> Ing. Ivana Ladick\u00e1, mobile:\u00a0<a href=\"tel:+421905345057\">0905 345 057<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Hypotek\u00e1rny trh \u010dak\u00e1 v najbli\u017e\u0161\u00edch mesiacoch nieko\u013eko d\u00f4le\u017eit\u00fdch zmien, ktor\u00e9 ovplyvnia v\u00fd\u0161ku schv\u00e1len\u00fdch \u00faverov, mo\u017enosti financovania aj celkov\u00e9 mesa\u010dn\u00e9 spl\u00e1tky. Ak pl\u00e1nujete k\u00fapu nehnute\u013enosti alebo refinancovanie hypot\u00e9ky, niektor\u00e9 rozhodnutia sa oplat\u00ed rie\u0161i\u0165 sk\u00f4r, ne\u017e sa podmienky spr\u00edsnia. 1. \u00darokov\u00e9 sadzby m\u00f4\u017eu op\u00e4\u0165 r\u00e1s\u0165 Rast\u00faca infl\u00e1cia a rozhodnutia Eur\u00f3pskej centr\u00e1lnej banky m\u00f4\u017eu znamena\u0165 \u010fal\u0161\u00ed rast hypotek\u00e1rnych [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[21,1,8],"tags":[19,125,10,11],"class_list":["post-17985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financne-poradenstvo","category-nezaradene","category-rady-a-tipy","tag-financne-poradenstvo","tag-hypoteka","tag-investovanie","tag-ivana-ladicka"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u010co \u010dak\u00e1 klientov v najbli\u017e\u0161\u00edch mesiacoch v r\u00e1mci hypot\u00e9k? - Reality s Ivanou<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9ky \u010dakaj\u00fa zmeny. Zistite, ako ovplyvnia \u00farokov\u00e9 sadzby, v\u00fd\u0161ku \u00faveru, 90 % hypot\u00e9ky a financovanie nehnute\u013enost\u00ed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realitysivanou.sk\/en\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u010co \u010dak\u00e1 klientov v najbli\u017e\u0161\u00edch mesiacoch v r\u00e1mci hypot\u00e9k? - Reality s Ivanou\" \/>\n<meta property=\"og:description\" content=\"Hypot\u00e9ky \u010dakaj\u00fa zmeny. Zistite, ako ovplyvnia \u00farokov\u00e9 sadzby, v\u00fd\u0161ku \u00faveru, 90 % hypot\u00e9ky a financovanie nehnute\u013enost\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realitysivanou.sk\/en\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\" \/>\n<meta property=\"og:site_name\" content=\"Reality s Ivanou\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100087905042916\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/people\/Ivana-Ladick\u00e1\/100087905042916\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-18T07:04:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-18T07:04:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realitysivanou.sk\/wp-content\/uploads\/2026\/06\/hypo-a-poplatky.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"572\" \/>\n\t<meta property=\"og:image:height\" content=\"378\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ivana\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ivana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\"},\"author\":{\"name\":\"Ivana\",\"@id\":\"https:\/\/realitysivanou.sk\/#\/schema\/person\/96bd25561f1b427b6139cdf604574b3e\"},\"headline\":\"\u010co \u010dak\u00e1 klientov v najbli\u017e\u0161\u00edch mesiacoch v r\u00e1mci hypot\u00e9k?\",\"datePublished\":\"2026-10-18T07:04:49+00:00\",\"dateModified\":\"2026-10-18T07:04:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\"},\"wordCount\":673,\"publisher\":{\"@id\":\"https:\/\/realitysivanou.sk\/#organization\"},\"image\":{\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realitysivanou.sk\/wp-content\/uploads\/2026\/06\/hypo-a-poplatky.jpg\",\"keywords\":[\"financne poradenstvo\",\"hypoteka\",\"investovanie\",\"Ivana Ladick\u00e1\"],\"articleSection\":[\"Finan\u010dn\u00e9 poradenstvo\",\"Nezaraden\u00e9\",\"Rady a tipy\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\",\"url\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/\",\"name\":\"\u010co \u010dak\u00e1 klientov v najbli\u017e\u0161\u00edch mesiacoch v r\u00e1mci hypot\u00e9k? - Reality s Ivanou\",\"isPartOf\":{\"@id\":\"https:\/\/realitysivanou.sk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/realitysivanou.sk\/co-caka-klientov-v-najblizsich-mesiacoch-v-ramci-hypotek\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realitysivanou.sk\/wp-content\/uploads\/2026\/06\/hypo-a-poplatky.jpg\",\"datePublished\":\"2026-10-18T07:04:49+00:00\",\"dateModified\":\"2026-10-18T07:04:50+00:00\",\"description\":\"Hypot\u00e9ky \u010dakaj\u00fa zmeny. 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