[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.modino.sk\/hypotekarny-uver-pre-mladych\/#Article","mainEntityOfPage":"https:\/\/www.modino.sk\/hypotekarny-uver-pre-mladych\/","headline":"Hypotek\u00e1rny \u00faver pre mlad\u00fdch.","name":"Hypotek\u00e1rny \u00faver pre mlad\u00fdch.","description":"\u00a0\u00a0 Dnes sa ve\u013emi \u010dasto stret\u00e1vame s\u00a0n\u00e1zormi \u013eud\u00ed, ktor\u00ed svorne tvrdia, \u017ee za \u010dias minul\u00fdch, \u010di\u017ee za komunizmu, bolo v\u0161etko lep\u0161ie, lacnej\u0161ie, stabilnej\u0161ie, at\u010f. Ur\u010dite by sme s\u00a0niektor\u00fdmi z\u00a0t\u00fdchto tvrden\u00ed mohli aj s\u00fahlasi\u0165, no v\u00e4\u010d\u0161ina z\u00a0nich je od pravdy na m\u00edle vzdialen\u00e1. Mnoh\u00e9 potraviny pri prepo\u010dte na pomer ceny potrav\u00edn a\u00a0platov s\u00fa dnes omnoho lacnej\u0161ie […]","datePublished":"2021-11-06","dateModified":"2021-11-06","author":{"@type":"Person","@id":"https:\/\/www.modino.sk\/author\/#Person","name":"","url":"https:\/\/www.modino.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"modino.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.modino.sk\/wp-content\/uploads\/podpis%20zmluvy_4.jpg","url":"https:\/\/www.modino.sk\/wp-content\/uploads\/podpis%20zmluvy_4.jpg","height":0,"width":0},"url":"https:\/\/www.modino.sk\/hypotekarny-uver-pre-mladych\/","about":["Financie"],"wordCount":422,"articleBody":"\u00a0\u00a0 Dnes sa ve\u013emi \u010dasto stret\u00e1vame s\u00a0n\u00e1zormi \u013eud\u00ed, ktor\u00ed svorne tvrdia, \u017ee za \u010dias minul\u00fdch, \u010di\u017ee za komunizmu, bolo v\u0161etko lep\u0161ie, lacnej\u0161ie, stabilnej\u0161ie, at\u010f. Ur\u010dite by sme s\u00a0niektor\u00fdmi z\u00a0t\u00fdchto tvrden\u00ed mohli aj s\u00fahlasi\u0165, no v\u00e4\u010d\u0161ina z\u00a0nich je od pravdy na m\u00edle vzdialen\u00e1. Mnoh\u00e9 potraviny pri prepo\u010dte na pomer ceny potrav\u00edn a\u00a0platov s\u00fa dnes omnoho lacnej\u0161ie ako kedysi. No spomienkov\u00fd optimizmus aj tu v\u00ed\u0165az\u00ed, tak\u017ee aspo\u0148 t\u00fdm star\u0161\u00edm ro\u010dn\u00edkom sa nesmieme \u010dudova\u0165. \u00a0\u00a0 Jednou z\u00a0vec\u00ed, ktor\u00e9 tu za komunizmu neboli, je mo\u017enos\u0165 zobra\u0165 si hypotek\u00e1rny \u00faver. Aj ke\u010f poniektor\u00ed ve\u010dn\u00ed oponenti by aj tu mohli argumentova\u0165 dlhoro\u010dn\u00fdmi stresmi spl\u00e1caj\u00facich dl\u017en\u00edkov, v\u00fdhody tohto finan\u010dn\u00e9ho n\u00e1stroja b\u00e1nk s\u00fa ur\u010dite nesporn\u00e9. Ak m\u00e1 dnes mlad\u00fd za\u010d\u00ednaj\u00faci p\u00e1r z\u00e1ujem o\u00a0nehnute\u013enos\u0165, prek\u00e1\u017eky na z\u00edskanie jej financovania nie s\u00fa v\u00f4bec postaven\u00e9 vysoko. Dnes u\u017e asi v\u0161etky banky poskytuj\u00fa hypotek\u00e1rne \u00favery za ve\u013emi prijate\u013en\u00fdch podmienok. \u00daver sa poskytuje na k\u00fapu nehnute\u013enosti, jej v\u00fdstavbu alebo rekon\u0161trukciu. A\u00a0pr\u00e1ve touto nadob\u00fadanou nehnute\u013enos\u0165ou aj \u017eiadate\u013e \u00faveru ru\u010d\u00ed banke za poskytnut\u00fd \u00faver. V\u00a0minulosti to bolo ak nie nemo\u017en\u00e9, tak ur\u010dite ve\u013emi komplikovan\u00e9. A\u00a0ve\u013emi nepr\u00edjemnou bola situ\u00e1cia, ke\u010f \u017eiadate\u013e o\u00a0\u00faver musel n\u00e1js\u0165 aj ru\u010dite\u013ea. To viedlo k\u00a0mnoh\u00fdm nepr\u00edjemn\u00fdm situ\u00e1ci\u00e1m, ktor\u00e9 mnoh\u00fdm \u013eu\u010fom zna\u010dne skomplikovali \u017eivot. \u00a0\u00a0 Dnes \u00faplne posta\u010duje ma\u0165 pr\u00e1cu aspo\u0148 s\u00a0priemern\u00fdm platom a\u00a0dvere k\u00a0\u00faveru s\u00fa otvoren\u00e9 dokor\u00e1n. Banka e\u0161te okrem v\u00fd\u0161ky pr\u00edjmu \u017eiadate\u013ea posudzuje hodnotu nadob\u00fadanej nehnute\u013enosti na z\u00e1klade znaleck\u00e9ho posudku a\u00a0\u00faverov\u00fa hist\u00f3riu klienta. T\u00e1to hist\u00f3ria hovor\u00ed o\u00a0v\u0161etk\u00fdch jeho \u00faveroch, ktor\u00e9 m\u00f4\u017ee ma\u0165 v\u00a0in\u00fdch bank\u00e1ch, pr\u00edpadne o\u00a0hist\u00f3rii spl\u00e1cania t\u00fdchto \u00faverov. \u00a0Samozrejme, \u017ee si treba da\u0165 pozor na r\u00f4zne pridru\u017een\u00e9 produkty, ktor\u00e9 niektor\u00e9 banky poskytuj\u00fa k\u00a0\u00faveru. Vtedy si netreba v\u0161\u00edma\u0165 iba v\u00fd\u0161ku \u00faroku, ktor\u00fd nemus\u00ed by\u0165 rozhoduj\u00faci. Niekedy aj \u00faver s\u00a0o\u00a0nie\u010do vy\u0161\u0161\u00edm \u00farokom m\u00f4\u017ee by\u0165 v\u00fdhodnej\u0161\u00ed ako tie na prv\u00fd poh\u013ead najlacnej\u0161ie \u00favery s\u00a0\u00farokom bl\u00ed\u017eiacim sa u\u017e takmer k\u00a0nule.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypotek\u00e1rny \u00faver pre mlad\u00fdch.","item":"https:\/\/www.modino.sk\/hypotekarny-uver-pre-mladych\/#breadcrumbitem"}]}]