{"id":3347,"date":"2026-08-12T09:19:03","date_gmt":"2026-08-12T07:19:03","guid":{"rendered":"https:\/\/www.dobry-uctovnik.sk\/?p=3347"},"modified":"2026-08-12T10:22:41","modified_gmt":"2026-08-12T08:22:41","slug":"nove-pravidla-hypotek-od-1-1-2027","status":"publish","type":"post","link":"https:\/\/www.dobry-uctovnik.sk\/en\/nove-pravidla-hypotek-od-1-1-2027\/","title":{"rendered":"Nov\u00e9 pravidl\u00e1 hypot\u00e9k od 1.1.2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3347\" class=\"elementor elementor-3347\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-234718d8 e-flex e-con-boxed e-con e-parent\" data-id=\"234718d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d66299b e-flex e-con-boxed e-con e-child\" data-id=\"2d66299b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fb50b9 elementor-widget elementor-widget-jkit_post_terms\" data-id=\"7fb50b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_terms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-terms jeg_module___6ac8764c9adc1\" ><span class=\"post-terms\"><span class=\"term-list \">\u00da\u010dtovn\u00edctvo a dane<\/span><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7f431c elementor-widget__width-inherit elementor-widget elementor-widget-jkit_post_title\" data-id=\"1a7f431c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-title jeg_module__1_6ac8764c9c1b5\" ><h1 class=\"post-title style-color \">Nov\u00e9 pravidl\u00e1 hypot\u00e9k od 1.1.2027<\/h1><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e087a0b e-flex e-con-boxed e-con e-parent\" data-id=\"4e087a0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-75c9b4c2 e-con-full e-flex e-con e-child\" data-id=\"75c9b4c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8025f7 e-flex e-con-boxed e-con e-child\" data-id=\"a8025f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a28c269 elementor-widget elementor-widget-jkit_post_featured_image\" data-id=\"a28c269\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_featured_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-featured-image jeg_module__2_6ac8764c9cb07\" ><div class=\"post-featured-image \"><img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-scaled.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-scaled.jpg 2560w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-300x200.jpg 300w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-1024x683.jpg 1024w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-768x512.jpg 768w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-1536x1024.jpg 1536w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-2048x1365.jpg 2048w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/08\/real-estate-brokerage-agent-deliver-sample-model-house-customer-mortgage-loan-agreement-making-lease-buying-house-contract-home-insurance-concept-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a96f8e e-flex e-con-boxed e-con e-child\" data-id=\"45a96f8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6401bd4 e-con-full e-flex e-con e-child\" data-id=\"6401bd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524f555 elementor-widget elementor-widget-heading\" data-id=\"524f555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Autor<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-169174b8 elementor-widget-tablet__width-auto elementor-widget elementor-widget-jkit_post_author\" data-id=\"169174b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_author.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-author jeg_module__3_6ac8764c9d605\" ><p class=\"post-author \">Dobryuctovnik<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-743255a4 e-con-full e-flex e-con e-child\" data-id=\"743255a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29d08e17 elementor-widget elementor-widget-heading\" data-id=\"29d08e17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Publikovan\u00e9<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d15bb7c elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_date\" data-id=\"3d15bb7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_date.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-date jeg_module__4_6ac8764c9df5a\" ><p class=\"post-date \">12. August 2026<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e94d66d e-con-full e-flex e-con e-child\" data-id=\"5e94d66d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb28ac5 elementor-widget elementor-widget-heading\" data-id=\"6cb28ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Zdie\u013eajte \u010dl\u00e1nok<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f637cc jkit-social-shape shape-none elementor-widget elementor-widget-jkit_social_share\" data-id=\"69f637cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_social_share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-social-share jeg_module__5_6ac8764c9f267\" ><ul class=\"social-share-list\"><li class=\"elementor-repeater-item-1c57925\" data-social=\"facebook\">\n\t\t\t\t<a href=\"#\" class=\"facebook social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-facebook-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-5b7460c\" data-social=\"twitter\">\n\t\t\t\t<a href=\"#\" class=\"twitter social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-twitter-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-3dfe5c2\" data-social=\"whatsapp\">\n\t\t\t\t<a href=\"#\" class=\"whatsapp social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-whatsapp-1-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-724ad86\" data-social=\"linkedin\">\n\t\t\t\t<a href=\"#\" class=\"linkedin social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-linkedin-light\"><\/i><\/a>\n\t\t\t<\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6abf0aff e-con-full e-flex e-con e-child\" data-id=\"6abf0aff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bfa4f5 elementor-widget elementor-widget-jkit_heading\" data-id=\"1bfa4f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__6_6ac8764ca130a\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><\/h2><\/div><div class=\"heading-section-description\"><p>N\u00e1rodn\u00e1 banka Slovenska predlo\u017eila do medzirezortn\u00e9ho pripomienkov\u00e9ho konania n\u00e1vrh opatrenia, ktor\u00fd men\u00ed sp\u00f4sob posudzovania schopnosti spotrebite\u013ea spl\u00e1ca\u0165 \u00faver na b\u00fdvanie. V pr\u00edpade schv\u00e1lenia by od 1. janu\u00e1ra 2027 platili <strong>rozdielne limity ukazovate\u013ea LTV<\/strong> pod\u013ea toho, ko\u013eko reziden\u010dn\u00fdch nehnute\u013enost\u00ed \u017eiadate\u013e vlastn\u00ed a ak\u00fd je jeho vek. Mlad\u00ed do 35 rokov kupuj\u00faci prv\u00e9 b\u00fdvanie by mohli z\u00edska\u0165 vy\u0161\u0161iu hypot\u00e9ku, \u017eiadatelia o financovanie tretej a \u010fal\u0161ej nehnute\u013enosti naopak ni\u017e\u0161iu.<\/p><p><strong>Upozornenie:<\/strong> Ide o n\u00e1vrh opatrenia v pripomienkovom konan\u00ed. Kone\u010dn\u00e1 podoba pravidiel sa m\u00f4\u017ee od uveden\u00e9ho n\u00e1vrhu l\u00ed\u0161i\u0165.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-211e2b8 elementor-widget elementor-widget-jkit_heading\" data-id=\"211e2b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__7_6ac8764ca1e22\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">\u010co je ukazovate\u013e LTV<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"9:1-9:243;818-1060\">Ukazovate\u013e zabezpe\u010denia \u00faveru na b\u00fdvanie (LTV) vyjadruje <strong>pomer medzi v\u00fd\u0161kou \u00faveru a hodnotou zakladanej nehnute\u013enosti<\/strong>. Zjednodu\u0161ene ur\u010duje, ak\u00fa \u010das\u0165 ceny domu alebo bytu banka \u017eiadate\u013eovi po\u017ei\u010dia a ko\u013eko mus\u00ed doplati\u0165 z vlastn\u00fdch zdrojov.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"11:1-11:179;1062-1240\"><strong>S\u00fa\u010dasn\u00fd stav do konca roka 2026:<\/strong> limit LTV je plo\u0161ne nastaven\u00fd na <strong>80 %<\/strong>. Nad t\u00fato \u00farove\u0148, teda a\u017e do 90 %, mo\u017eno v r\u00e1mci regulat\u00f3rnej v\u00fdnimky poskytn\u00fa\u0165 len p\u00e4tinu hypot\u00e9k.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"13:1-13:189;1242-1430\">V praxi to znamen\u00e1, \u017ee pri k\u00fape nehnute\u013enosti v hodnote 150 000 \u20ac a limite LTV 80 % m\u00f4\u017ee banka poskytn\u00fa\u0165 \u00faver najviac 120 000 \u20ac. Zvy\u0161n\u00fdch 30 000 \u20ac mus\u00ed \u017eiadate\u013e doplati\u0165 z vlastn\u00fdch \u00faspor.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac33ab1 e-con-full e-flex e-con e-child\" data-id=\"ac33ab1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-634495c e-con-full e-flex e-con e-child\" data-id=\"634495c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-91ce21a e-flex e-con-boxed e-con e-child\" data-id=\"91ce21a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-764abba elementor-widget elementor-widget-heading\" data-id=\"764abba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potrebujete zalo\u017ei\u0165 s.r.o.?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-912d055 elementor-widget elementor-widget-heading\" data-id=\"912d055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Postar\u00e1me sa o cel\u00fd proces zalo\u017eenia s.r.o. vr\u00e1tane \u00favodnej konzult\u00e1cie.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7ba32 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-jkit_button\" data-id=\"ac7ba32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-button  icon-position-after jeg_module__8_6ac8764ca3220\" ><a href=\"https:\/\/www.dobry-uctovnik.sk\/zalozenie-sro\/\" class=\"jkit-button-wrapper\">M\u00e1m z\u00e1ujem o zalo\u017eenie s.r.o.<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8cfb8d elementor-widget elementor-widget-jkit_heading\" data-id=\"e8cfb8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__9_6ac8764ca3c67\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Pre\u010do NBS men\u00ed pravidl\u00e1?<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"17:1-17:213;1460-1672\">Nov\u00e9 \u00fadaje z katastra nehnute\u013enost\u00ed umo\u017enili NBS rozl\u00ed\u0161i\u0165 \u017eiadate\u013eov o hypot\u00e9ku pod\u013ea po\u010dtu vlastnen\u00fdch nehnute\u013enost\u00ed. Pod\u013ea d\u00f4vodovej spr\u00e1vy sa jednotliv\u00e9 skupiny dl\u017en\u00edkov z finan\u010dn\u00e9ho h\u013eadiska spr\u00e1vaj\u00fa odli\u0161ne:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"19:1-21:161;1674-2202\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"19:1-19:154;1674-1827\"><strong>dom\u00e1cnosti financuj\u00face prv\u00e9 b\u00fdvanie<\/strong> spl\u00e1caj\u00fa hypot\u00e9ky s vysokou pravdepodobnos\u0165ou aj po\u010das ekonomick\u00fdch \u0161okov, ke\u010f\u017ee si potrebuj\u00fa zachova\u0165 b\u00fdvanie,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"20:1-20:214;1828-2041\"><strong>dl\u017en\u00edci kupuj\u00faci \u010fal\u0161iu nehnute\u013enos\u0165<\/strong> na investi\u010dn\u00e9 \u00fa\u010dely alebo roz\u0161irovanie majetku ich pri zhor\u0161en\u00ed ekonomickej situ\u00e1cie \u010dastej\u0161ie pred\u00e1vaj\u00fa, \u010do m\u00f4\u017ee ur\u00fdchli\u0165 pokles cien nehnute\u013enost\u00ed a zv\u00fd\u0161i\u0165 straty b\u00e1nk,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"21:1-21:161;2042-2202\">medzi t\u00fdmito skupinami je \u0161irok\u00e9 spektrum dl\u017en\u00edkov financuj\u00facich napr\u00edklad pres\u0165ahovanie do v\u00e4\u010d\u0161ej nehnute\u013enosti, rekon\u0161trukciu alebo vysporiadanie dedi\u010dstva.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"23:1-23:153;2204-2356\">Hypot\u00e9ky na investi\u010dn\u00e9 nehnute\u013enosti m\u00f4\u017eu v \u010dase rastu cien podporova\u0165 dopyt a prispieva\u0165 k r\u00fdchlej\u0161iemu zdra\u017eovaniu aj riziku vzniku realitnej bubliny.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ac77d elementor-widget elementor-widget-jkit_heading\" data-id=\"b6ac77d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__10_6ac8764ca48e9\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">V\u00fdvoj na slovenskom trhu<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"27:1-27:232;2388-2619\">Slovensko zatia\u013e nem\u00e1 dostato\u010dn\u00e9 sk\u00fasenosti so spr\u00e1van\u00edm realitn\u00fdch investorov po\u010das ekonomickej kr\u00edzy \u2013 posledn\u00fd v\u00fdrazn\u00fd pokles cien nehnute\u013enost\u00ed nastal pred viac ako 15 rokmi, ke\u010f bol podiel investi\u010dn\u00fdch n\u00e1kupov podstatne ni\u017e\u0161\u00ed.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"29:1-29:31;2621-2651\">Aktu\u00e1lne \u0161tatistiky pod\u013ea NBS:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"31:1-33:81;2653-2939\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"31:1-31:89;2653-2741\">pri <strong>viac ako polovici<\/strong> nov\u00fdch hypot\u00e9k u\u017e dl\u017en\u00edci vlastnia aspo\u0148 jednu nehnute\u013enos\u0165,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"32:1-32:117;2742-2858\">v roku 2025 tvorili hypot\u00e9ky poskytnut\u00e9 \u017eiadate\u013eom s <strong>dvoma a viac nehnute\u013enos\u0165ami 16 %<\/strong> v\u0161etk\u00fdch nov\u00fdch \u00faverov,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"33:1-33:81;2859-2939\">vo vekovej skupine <strong>nad 40 rokov<\/strong> ide pribli\u017ene o <strong>ka\u017ed\u00fa \u0161tvrt\u00fa hypot\u00e9ku<\/strong>.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"35:1-35:104;2941-3044\">\u00dadaje z\u00e1rove\u0148 nazna\u010duj\u00fa rast\u00faci trend, ktor\u00fd m\u00f4\u017ee v bud\u00facnosti posilni\u0165 nepriazniv\u00fd demografick\u00fd v\u00fdvoj.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0caa8b elementor-widget elementor-widget-jkit_heading\" data-id=\"c0caa8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__11_6ac8764ca5585\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Navrhovan\u00e9 limity LTV od 1.1.2027<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"39:1-39:67;3084-3150\">NBS navrhuje nahradi\u0165 plo\u0161n\u00fd limit tromi diferencovan\u00fdmi \u00farov\u0148ami:<\/p><div class=\"overflow-x-auto w-full px-2 mb-6 print:overflow-x-visible\" dir=\"ltr\" data-sourcepos=\"41:1-45:52;3152-3345\"><table class=\"min-w-full border-collapse text-sm leading-[1.7] whitespace-normal\"><thead class=\"text-left\"><tr><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Skupina \u017eiadate\u013eov<\/th><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Limit LTV<\/th><\/tr><\/thead><tbody><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Mlad\u00ed do 35 rokov bez reziden\u010dnej nehnute\u013enosti<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>90 %<\/strong><\/td><\/tr><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Ostatn\u00ed \u017eiadatelia<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>80 %<\/strong><\/td><\/tr><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Vlastn\u00edci dvoch a viac nehnute\u013enost\u00ed<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>70 %<\/strong><\/td><\/tr><\/tbody><\/table><\/div><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"49:1-49:33;3399-3431\">Zv\u00fd\u0161enie na 90 % pre mlad\u00fdch<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"51:1-51:82;3433-3514\">Limit sa zv\u00fd\u0161i z 80 % na 90 %, ak \u017eiadatelia <strong>s\u00fa\u010dasne<\/strong> sp\u013a\u0148aj\u00fa tieto podmienky:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"53:1-55:57;3516-3744\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"53:1-53:24;3516-3539\">maj\u00fa <strong>do 35 rokov<\/strong>,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"54:1-54:148;3540-3687\"><strong>nevlastnia reziden\u010dn\u00fa nehnute\u013enos\u0165<\/strong> (zvl\u00e1\u0161\u0165 ani spolo\u010dne nevlastnia dom, byt \u010di in\u00fa nehnute\u013enos\u0165 ur\u010den\u00fa na b\u00fdvanie v podiele 50 % alebo viac),<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"55:1-55:57;3688-3744\">\u00fa\u010delom \u00faveru je <strong>k\u00fapa alebo v\u00fdstavba<\/strong> nehnute\u013enosti.<\/li><\/ul><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"57:1-57:37;3746-3782\">Ponechanie na 80 % pre ostatn\u00fdch<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"59:1-59:148;3784-3931\">Pre ostatn\u00fdch \u017eiadate\u013eov zost\u00e1va limit na <strong>80 %<\/strong> so zachovan\u00edm existuj\u00facej v\u00fdnimky \u2013 <strong>5 % v\u0161etk\u00fdch \u00faverov<\/strong> m\u00f4\u017ee by\u0165 poskytnut\u00fdch s LTV do 90 %.<\/p><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"61:1-61:57;3933-3989\">Spr\u00edsnenie na 70 % pri tretej a \u010fal\u0161ej nehnute\u013enosti<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"63:1-63:264;3991-4254\">Limit sa zn\u00ed\u017ei z 80 % na <strong>70 %<\/strong> pre \u017eiadate\u013eov, ktor\u00ed zvl\u00e1\u0161\u0165 alebo spolo\u010dne vlastnia <strong>dve a viac reziden\u010dn\u00fdch nehnute\u013enost\u00ed<\/strong> v podiele 50 % alebo viac. Plat\u00ed to <strong>bez oh\u013eadu na vek \u017eiadate\u013eov alebo \u00fa\u010del \u00faveru<\/strong> a <strong>bez mo\u017enosti vyu\u017ei\u0165 v\u00fdnimku<\/strong> na vy\u0161\u0161ie LTV.<\/p><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"65:1-65:49;4256-4304\">Pre\u010do je hranica a\u017e pri tretej nehnute\u013enosti<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"67:1-67:506;4306-4811\">NBS argumentuje, \u017ee pri druhej nehnute\u013enosti e\u0161te nemus\u00ed \u00eds\u0165 o invest\u00edciu. M\u00f4\u017ee \u00eds\u0165 o do\u010dasn\u00fd stav pri s\u0165ahovan\u00ed do v\u00e4\u010d\u0161ieho b\u00fdvania, ke\u010f dom\u00e1cnos\u0165 k\u00fapi nov\u00fd byt sk\u00f4r, ako pred\u00e1 p\u00f4vodn\u00fd \u2013 tak\u00fdto bud\u00faci predaj v\u0161ak banka pri schva\u013eovan\u00ed \u00faveru nevie spo\u013eahlivo overi\u0165. Rovnako m\u00f4\u017ee \u00eds\u0165 o zdeden\u00fa nehnute\u013enos\u0165, ktor\u00e1 nevyhovuje potreb\u00e1m b\u00fdvania, alebo o nehnute\u013enos\u0165 na rekrea\u010dn\u00e9 \u00fa\u010dely. Pri tretej a \u010fal\u0161ej nehnute\u013enosti je pod\u013ea NBS v\u00fdrazne pravdepodobnej\u0161ie, \u017ee ide o invest\u00edciu alebo roz\u0161irovanie majetku.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f30a5a elementor-widget elementor-widget-jkit_heading\" data-id=\"6f30a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__12_6ac8764ca6767\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Ako sa bude posudzova\u0165 vlastn\u00edctvo<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"71:1-71:54;4852-4905\">Pri uplat\u0148ovan\u00ed nov\u00fdch limitov platia tieto pravidl\u00e1:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"73:1-76:88;4907-5216\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"73:1-73:99;4907-5005\">posudzuje sa <strong>len vlastn\u00edctvo nehnute\u013enost\u00ed na Slovensku<\/strong>, vlastn\u00edctvo v zahrani\u010d\u00ed sa nesk\u00fama,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"74:1-74:54;5006-5059\">banky si po\u010det nehnute\u013enost\u00ed <strong>overia v katastri<\/strong>,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"75:1-75:69;5060-5128\">za vlastn\u00edctvo sa pova\u017euj\u00fa aj <strong>spoluvlastn\u00edcke podiely od 50 %<\/strong>,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"76:1-76:88;5129-5216\">banka m\u00f4\u017ee na z\u00e1klade rizikovosti \u00faveru <strong>ur\u010di\u0165 aj ni\u017e\u0161ie LTV<\/strong>, ne\u017e stanovuje limit.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"78:1-78:230;5218-5447\">Niektor\u00e9 banky u\u017e dnes uplat\u0148uj\u00fa pr\u00edsnej\u0161ie pravidl\u00e1 pri hypot\u00e9kach s predpokladan\u00fdm investi\u010dn\u00fdm charakterom \u2013 krat\u0161iu splatnos\u0165, ni\u017e\u0161ie LTV, pr\u00edsnej\u0161ie hodnotenie bonity, pr\u00edsnej\u0161\u00ed schva\u013eovac\u00ed proces alebo vy\u0161\u0161iu \u00farokov\u00fa sadzbu.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0528e0 elementor-widget elementor-widget-jkit_heading\" data-id=\"d0528e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__13_6ac8764ca7373\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Ilustra\u010dn\u00e9 pr\u00edklady<\/h2><\/div><div class=\"heading-section-description\"><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"82:1-82:41;5473-5513\">Mlad\u00ed man\u017eelia kupuj\u00faci prv\u00e9 b\u00fdvanie<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"84:1-84:121;5515-5635\">Man\u017eelia vo veku 29 a 31 rokov kupuj\u00fa prv\u00fd byt za <strong>220 000 \u20ac<\/strong>. Ani jeden z nich nevlastn\u00ed in\u00fa reziden\u010dn\u00fa nehnute\u013enos\u0165.<\/p><div class=\"overflow-x-auto w-full px-2 mb-6 print:overflow-x-visible\" dir=\"ltr\" data-sourcepos=\"86:1-89:58;5637-5806\"><table class=\"min-w-full border-collapse text-sm leading-[1.7] whitespace-normal\"><thead class=\"text-left\"><tr><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Obdobie<\/th><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Maxim\u00e1lny \u00faver<\/th><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Vlastn\u00e9 zdroje<\/th><\/tr><\/thead><tbody><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Do konca roka 2026 (LTV 80 %)<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">176 000 \u20ac<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">44 000 \u20ac<\/td><\/tr><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Od 1.1.2027 (LTV 90 %)<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>198 000 \u20ac<\/strong><\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>22 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"93:1-93:124;5838-5961\">Potreba vlastn\u00fdch \u00faspor by klesla o <strong>22 000 \u20ac<\/strong>. O konkr\u00e9tnej v\u00fd\u0161ke \u00faveru v\u0161ak st\u00e1le rozhodne banka pod\u013ea bonity klientov.<\/p><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"95:1-95:43;5963-6005\">\u017diadate\u013e vlastniaci jednu nehnute\u013enos\u0165<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"97:1-97:139;6007-6145\">42-ro\u010dn\u00fd \u017eiadate\u013e pred\u00e1va svoj byt a kupuje v\u00e4\u010d\u0161\u00ed rodinn\u00fd dom za <strong>330 000 \u20ac<\/strong>. Pri \u017eiadosti o \u00faver vlastn\u00ed jednu reziden\u010dn\u00fa nehnute\u013enos\u0165.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"99:1-99:193;6147-6339\">Pre t\u00fato skupinu sa <strong>pravidl\u00e1 nemenia, <\/strong>aj na\u010falej plat\u00ed \u0161tandardn\u00fd limit <strong>80 %<\/strong>. Banka m\u00f4\u017ee pri \u010dasti \u00faverov vyu\u017ei\u0165 v\u00fdnimku a poskytn\u00fa\u0165 financovanie do 90 %, ak \u017eiadate\u013e spln\u00ed podmienky.<\/p><h4 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\" data-sourcepos=\"101:1-101:44;6341-6384\">\u017diadate\u013eka kupuj\u00faca tretiu nehnute\u013enos\u0165<\/h4><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"103:1-103:123;6386-6508\">\u017diadate\u013eka vlastn\u00ed byt, v ktorom b\u00fdva, a druh\u00fd byt prenaj\u00edma. Rozhodne sa k\u00fapi\u0165 <strong>tret\u00ed byt za 250 000 \u20ac<\/strong> ako invest\u00edciu.<\/p><div class=\"overflow-x-auto w-full px-2 mb-6 print:overflow-x-visible\" dir=\"ltr\" data-sourcepos=\"105:1-108:58;6510-6679\"><table class=\"min-w-full border-collapse text-sm leading-[1.7] whitespace-normal\"><thead class=\"text-left\"><tr><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Obdobie<\/th><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Maxim\u00e1lny \u00faver<\/th><th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Vlastn\u00e9 zdroje<\/th><\/tr><\/thead><tbody><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Do konca roka 2026 (LTV 80 %)<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">200 000 \u20ac<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">50 000 \u20ac<\/td><\/tr><tr><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Od 1.1.2027 (LTV 70 %)<\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>175 000 \u20ac<\/strong><\/td><td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>75 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b7958 elementor-widget elementor-widget-jkit_heading\" data-id=\"59b7958\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__14_6ac8764ca868d\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Pr\u00ednosy a rizik\u00e1 vy\u0161\u0161ieho limitu pre mlad\u00fdch<\/h2><\/div><div class=\"heading-section-description\"><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"116:1-116:308;6908-7215\">Pod\u013ea NBS je limit LTV aktu\u00e1lne hlavn\u00fdm faktorom obmedzuj\u00facim dostupnos\u0165 financovania pre mlad\u00fdch \u013eud\u00ed. Takmer polovica nov\u00fdch hypot\u00e9k pri \u017eiadate\u013eoch do 35 rokov je poskytnut\u00e1 na \u00farovni LTV 80 % alebo 90 %. Pri <strong>24 % nov\u00fdch hypot\u00e9k<\/strong> poskytnut\u00fdch v roku 2025 s LTV 80 % by bolo mo\u017en\u00e9 limit zv\u00fd\u0161i\u0165 na 90 %.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"118:1-118:263;7217-7479\">Mlad\u00ed \u013eudia maj\u00fa vzh\u013eadom na krat\u0161iu dobu od vstupu na pracovn\u00fd trh prirodzene ni\u017e\u0161iu schopnos\u0165 disponova\u0165 dostatkom vlastn\u00fdch zdrojov. Z\u00e1rove\u0148 maj\u00fa pod\u013ea NBS v\u00e4\u010d\u0161\u00ed priestor na rie\u0161enie pr\u00edpadn\u00fdch finan\u010dn\u00fdch \u0165a\u017ekost\u00ed, napr\u00edklad formou do\u010dasn\u00e9ho zn\u00ed\u017eenia spl\u00e1tok.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\" data-sourcepos=\"120:1-120:30;7481-7510\">Zmena v\u0161ak prin\u00e1\u0161a aj rizik\u00e1:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1\" dir=\"ltr\" data-sourcepos=\"122:1-124:71;7512-7751\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"122:1-122:82;7512-7593\"><strong>vy\u0161\u0161ie straty pri nespl\u00e1can\u00fdch hypot\u00e9kach<\/strong>, ak by ceny nehnute\u013enost\u00ed klesli,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"123:1-123:87;7594-7680\"><strong>vy\u0161\u0161ie spl\u00e1tky<\/strong> a v\u00e4\u010d\u0161ia zranite\u013enos\u0165 dl\u017en\u00edkov pri zhor\u0161en\u00ed ekonomickej situ\u00e1cie,<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"124:1-124:71;7681-7751\">mo\u017en\u00fd <strong>rast dopytu<\/strong> na trhu nehnute\u013enost\u00ed a zr\u00fdchlenie rastu cien.<\/li><\/ul><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3694a5b e-flex e-con-boxed e-con e-parent\" data-id=\"3694a5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55342d6 elementor-widget elementor-widget-shortcode\" data-id=\"55342d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script id=\"mcjs\">!function(c,h,i,m,p){m=c.createElement(h),p=c.getElementsByTagName(h)[0],m.async=1,m.src=i,p.parentNode.insertBefore(m,p)}(document,\"script\",\"https:\/\/chimpstatic.com\/mcjs-connected\/js\/users\/ca41a6c1e0805c4d799bec8ae\/fabc377635da2f79608f6b656.js\");<\/script><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00da\u010dtovn\u00edctvo a dane Nov\u00e9 pravidl\u00e1 hypot\u00e9k od 1.1.2027 Autor Dobryuctovnik Publikovan\u00e9 12. August 2026 Zdie\u013eajte \u010dl\u00e1nok N\u00e1rodn\u00e1 banka Slovenska predlo\u017eila do medzirezortn\u00e9ho pripomienkov\u00e9ho konania n\u00e1vrh opatrenia, ktor\u00fd men\u00ed sp\u00f4sob posudzovania schopnosti spotrebite\u013ea spl\u00e1ca\u0165 \u00faver na b\u00fdvanie. V pr\u00edpade schv\u00e1lenia by od 1. janu\u00e1ra 2027 platili rozdielne limity ukazovate\u013ea LTV pod\u013ea toho, ko\u013eko reziden\u010dn\u00fdch nehnute\u013enost\u00ed \u017eiadate\u013e [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3363,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-3347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uctovnictvo-a-dane"],"_links":{"self":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/comments?post=3347"}],"version-history":[{"count":15,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3347\/revisions"}],"predecessor-version":[{"id":3365,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3347\/revisions\/3365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media\/3363"}],"wp:attachment":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media?parent=3347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/categories?post=3347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/tags?post=3347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}