{"id":3571,"date":"2026-10-05T14:18:11","date_gmt":"2026-10-05T12:18:11","guid":{"rendered":"https:\/\/www.dobry-uctovnik.sk\/?p=3571"},"modified":"2026-10-05T14:28:03","modified_gmt":"2026-10-05T12:28:03","slug":"hypoteky-od-januara-2027","status":"publish","type":"post","link":"https:\/\/www.dobry-uctovnik.sk\/en\/hypoteky-od-januara-2027\/","title":{"rendered":"Hypot\u00e9ky od janu\u00e1ra 2027: \u010do sa men\u00ed pri financovan\u00ed b\u00fdvania"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3571\" class=\"elementor elementor-3571\" 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___6ac865a8419a6\" ><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_6ac865a843e23\" ><h1 class=\"post-title style-color \">Hypot\u00e9ky od janu\u00e1ra 2027: \u010do sa men\u00ed pri financovan\u00ed b\u00fdvania<\/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_6ac865a8451a4\" ><div class=\"post-featured-image \"><img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1435\" src=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-scaled.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-scaled.jpg 2560w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-300x168.jpg 300w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-1024x574.jpg 1024w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-768x430.jpg 768w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-1536x861.jpg 1536w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-2048x1148.jpg 2048w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/10\/professional-explaining-policy-terms-landlord-with-property-background-18x10.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_6ac865a8467f5\" ><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_6ac865a847b79\" ><p class=\"post-date \">5. October 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_6ac865a849eae\" ><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_6ac865a84d290\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><\/h2><\/div><div class=\"heading-section-description\"><p>Bankov\u00e1 rada NBS schv\u00e1lila <strong>28. septembra 2026<\/strong> novelu opatrenia, ktor\u00e1 men\u00ed hranice maxim\u00e1lnej \u010dasti ceny nehnute\u013enosti financovate\u013enej \u00faverom, teda <strong>LTV limit<\/strong>. \u017diadatelia sa po novom rozli\u0161uj\u00fa pod\u013ea veku a po\u010dtu vlastnen\u00fdch nehnute\u013enost\u00ed. Mlad\u00ed do 35 rokov kupuj\u00faci prv\u00e9 b\u00fdvanie z\u00edskaj\u00fa limit <strong>90 %<\/strong>, \u017eiadatelia o financovanie tretej a \u010fal\u0161ej nehnute\u013enosti len <strong>70 %<\/strong>. Zmeny sa bud\u00fa zav\u00e1dza\u0165 postupne po\u010das roka 2027.<\/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_6ac865a84e2ed\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Pre\u010do sa pravidl\u00e1 menia<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Pod\u013ea NBS dnes <strong>ka\u017ed\u00e1 piata hypot\u00e9ka<\/strong> smeruje klientom s aspo\u0148 dvoma nehnute\u013enos\u0165ami. Cie\u013eom \u00fapravy je jasnej\u0161ie rozl\u00ed\u0161i\u0165 medzi financovan\u00edm prv\u00e9ho b\u00fdvania a investi\u010dn\u00fdmi n\u00e1kupmi.<\/p><p dir=\"ltr\">Jednotliv\u00e9 skupiny klientov maj\u00fa pod\u013ea NBS odli\u0161n\u00fa mieru rizika a odli\u0161n\u00e9 spr\u00e1vanie po\u010das finan\u010dn\u00e9ho cyklu. Pri k\u00fape tretej alebo \u010fal\u0161ej nehnute\u013enosti ide sk\u00f4r o majetkov\u00e9 rozhodnutie, pri ktorom je primeran\u00e9, aby klient financoval v\u00e4\u010d\u0161iu \u010das\u0165 z vlastn\u00fdch zdrojov. Pri mlad\u00fdch, ktor\u00ed rie\u0161ia prv\u00e9 b\u00fdvanie, je naopak najv\u00e4\u010d\u0161ou prek\u00e1\u017ekou pr\u00e1ve po\u010diato\u010dn\u00fd kapit\u00e1l.<\/p><p dir=\"ltr\"><strong>Do roku 2027<\/strong> plat\u00ed plo\u0161ne nastaven\u00fd LTV limit <strong>80 %<\/strong>, pri\u010dom vy\u0161\u0161iu hranicu 90 % mo\u017eno v r\u00e1mci regulat\u00f3rnej v\u00fdnimky udeli\u0165 na p\u00e4tinu hypot\u00e9k.<\/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_6ac865a850a8b\" ><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_6ac865a851a58\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Nov\u00e9 LTV limity od roku 2027<\/h2><\/div><div class=\"heading-section-description\"><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Typ \u017eiadate\u013ea<\/th><th scope=\"col\">LTV limit<\/th><\/tr><\/thead><tbody><tr><td>Do 35 rokov, bez reziden\u010dnej nehnute\u013enosti, \u00fa\u010del k\u00fapa alebo v\u00fdstavba<\/td><td><strong>90 %<\/strong><\/td><\/tr><tr><td>Ostatn\u00ed \u017eiadatelia<\/td><td><strong>80 %<\/strong><\/td><\/tr><tr><td>\u00daver na tretiu a \u010fal\u0161iu nehnute\u013enos\u0165<\/td><td><strong>70 %<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><h3 dir=\"ltr\">S\u00fahrn pod\u013ea veku a vlastn\u00edctva<\/h3><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Vek \u017eiadate\u013ea<\/th><th scope=\"col\">Vlastn\u00ed nehnute\u013enos\u0165<\/th><th scope=\"col\">LTV limit<\/th><\/tr><\/thead><tbody><tr><td>Do 35 rokov vr\u00e1tane<\/td><td>nie<\/td><td><strong>90 %<\/strong><\/td><\/tr><tr><td>Do 35 rokov vr\u00e1tane<\/td><td>\u00e1no, jednu<\/td><td><strong>80 %<\/strong><\/td><\/tr><tr><td>36 rokov a viac<\/td><td>nie<\/td><td><strong>80 %<\/strong><\/td><\/tr><tr><td>36 rokov a viac<\/td><td>\u00e1no, jednu<\/td><td><strong>80 %<\/strong><\/td><\/tr><tr><td>Bez oh\u013eadu na vek<\/td><td>\u00e1no, dve a viac<\/td><td><strong>70 %<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/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_6ac865a853519\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Harmonogram zav\u00e1dzania<\/h2><\/div><div class=\"heading-section-description\"><div dir=\"ltr\"><p dir=\"ltr\">Nov\u00e9 pravidl\u00e1 neza\u010dn\u00fa plati\u0165 naraz. Banky bud\u00fa musie\u0165 v katastri nehnute\u013enost\u00ed overova\u0165 po\u010det vlastnen\u00fdch nehnute\u013enost\u00ed \u017eiadate\u013eov, \u010do doteraz nerobili, a potrebuj\u00fa \u010das na zavedenie procesov.<\/p><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Term\u00edn<\/th><th scope=\"col\">Zmena<\/th><\/tr><\/thead><tbody><tr><td>1. janu\u00e1r 2027<\/td><td>Financovanie a\u017e do <strong>90 %<\/strong> pri k\u00fape prv\u00e9ho b\u00fdvania mlad\u00fdmi klientmi (z\u00e1vis\u00ed od pripravenosti banky)<\/td><\/tr><tr><td>1. polrok 2027<\/td><td>V\u00fdnimka pre <strong>20 %<\/strong> nov\u00fdch \u00faverov s LTV do 90 % aj pre ostatn\u00fdch klientov<\/td><\/tr><tr><td>1. j\u00fal 2027<\/td><td>Pre tretiu a ka\u017ed\u00fa \u010fal\u0161iu nehnute\u013enos\u0165 sa uplatn\u00ed najviac <strong>70 %<\/strong> LTV<\/td><\/tr><tr><td>2. polrok 2027<\/td><td>Zn\u00ed\u017eenie v\u00fdnimky na <strong>10 %<\/strong> nov\u00fdch \u00faverov<\/td><\/tr><tr><td>Od roku 2028<\/td><td>Cie\u013eov\u00fd podiel v\u00fdnimiek <strong>7 %<\/strong> nov\u00fdch \u00faverov<\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie na z\u00e1klade nbs.sk<\/em><\/p><\/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-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_6ac865a854849\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">V\u00fdnimky a ich postupn\u00e9 zni\u017eovanie<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">V\u00fdnimka znamen\u00e1 maxim\u00e1lny podiel nov\u00fdch \u00faverov, ktor\u00e9 m\u00f4\u017ee banka poskytn\u00fa\u0165 s LTV a\u017e do 90 % <strong>ak\u00fdmko\u013evek klientom<\/strong> \u2013 teda nad r\u00e1mec \u00faverov pre mlad\u00fdch na prv\u00e9 b\u00fdvanie.<\/p><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Obdobie<\/th><th scope=\"col\">Podiel v\u00fdnimiek<\/th><\/tr><\/thead><tbody><tr><td>1. polrok 2027<\/td><td><strong>20 %<\/strong> nov\u00fdch \u00faverov<\/td><\/tr><tr><td>2. polrok 2027<\/td><td><strong>10 %<\/strong> nov\u00fdch \u00faverov<\/td><\/tr><tr><td>Od roku 2028<\/td><td><strong>7 %<\/strong> nov\u00fdch \u00faverov<\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><p dir=\"ltr\">Doteraz sa v\u00fdnimka 90 % vz\u0165ahovala na 20 % poskytnut\u00fdch \u00faverov vo v\u0161eobecnosti a ve\u013ek\u00e1 \u010das\u0165 z nich smerovala pr\u00e1ve mlad\u00fdm \u017eiadate\u013eom. Ke\u010f\u017ee nov\u00e9 pravidl\u00e1 umo\u017enia LTV 90 % pre mlad\u00fdch na prv\u00e9 b\u00fdvanie priamo, rozsah v\u00fdnimiek sa zn\u00ed\u017ei na 7 % \u2013 skupina \u017eiadate\u013eov, ktor\u00fdch sa v\u00fdnimka t\u00fdka, sa zmen\u0161uje.<\/p><h3 dir=\"ltr\">Kedy mo\u017eno v\u00fdnimku vyu\u017ei\u0165<\/h3><p dir=\"ltr\">Mlad\u00fd \u017eiadate\u013e m\u00f4\u017ee vlastni\u0165 reziden\u010dn\u00fa nehnute\u013enos\u0165, no pre svoje prv\u00e9 b\u00fdvanie chce in\u00fa \u2013 napr\u00edklad zded\u00ed star\u0161\u00ed byt, ale b\u00fdva\u0165 chce v novom. Vtedy spad\u00e1 do skupiny s limitom 80 % a 90 % m\u00f4\u017ee z\u00edska\u0165 len na v\u00fdnimku.<\/p><p dir=\"ltr\">NBS uv\u00e1dza ako pr\u00edklady situ\u00e1ci\u00ed vhodn\u00fdch na v\u00fdnimku:<\/p><ul dir=\"ltr\"><li>\u017eiadate\u013e sa <strong>s\u0165ahuje do inej nehnute\u013enosti<\/strong> a nov\u00fa kupuje sk\u00f4r, ako pred\u00e1 p\u00f4vodn\u00fa,<\/li><li><strong>zdedil nehnute\u013enos\u0165<\/strong> \u010faleko od miesta skuto\u010dn\u00e9ho pobytu,<\/li><li><strong>spoluvlastn\u00edctvo<\/strong> nehnute\u013enosti je komplikovan\u00e9.<\/li><\/ul><p dir=\"ltr\">Zoh\u013eadnenie t\u00fdchto \u017eivotn\u00fdch situ\u00e1ci\u00ed je pod\u013ea NBS z\u00e1rove\u0148 hlavn\u00fdm d\u00f4vodom, pre\u010do sa pr\u00edsnej\u0161\u00ed limit neuplat\u0148uje u\u017e na k\u00fapu druhej, ale a\u017e tretej a \u010fal\u0161ej nehnute\u013enosti. O pou\u017eit\u00ed v\u00fdnimky pri individu\u00e1lnych \u00faveroch rozhoduj\u00fa jednotliv\u00e9 banky.<\/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_6ac865a856006\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Praktick\u00e9 pr\u00edklady<\/h2><\/div><div class=\"heading-section-description\"><div dir=\"ltr\"><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Situ\u00e1cia<\/th><th scope=\"col\">LTV<\/th><th scope=\"col\">Maxim\u00e1lny \u00faver<\/th><\/tr><\/thead><tbody><tr><td>30 rokov, bez nehnute\u013enosti, byt za 200 000 \u20ac<\/td><td>90 %<\/td><td><strong>180 000 \u20ac<\/strong><\/td><\/tr><tr><td>30 rokov, vlastn\u00ed jednu nehnute\u013enos\u0165, byt za 200 000 \u20ac<\/td><td>80 %<\/td><td><strong>160 000 \u20ac<\/strong><\/td><\/tr><tr><td>37 rokov, prv\u00e1 nehnute\u013enos\u0165, dom za 400 000 \u20ac<\/td><td>80 %<\/td><td><strong>320 000 \u20ac<\/strong><\/td><\/tr><tr><td>Vlastn\u00ed dva byty, apartm\u00e1n za 180 000 \u20ac<\/td><td>70 %<\/td><td><strong>126 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><p dir=\"ltr\"><strong>Pozn\u00e1mky k jednotliv\u00fdm pr\u00edpadom:<\/strong><\/p><ul dir=\"ltr\"><li><strong>Mlad\u00fd \u017eiadate\u013e bez nehnute\u013enosti<\/strong> potrebuje z vlastn\u00fdch zdrojov 20 000 eur. Nejde v\u0161ak o garanciu, len o r\u00e1mcov\u00fd limit \u2013 banka m\u00f4\u017ee poskytn\u00fa\u0165 aj menej alebo \u00faver neposkytn\u00fa\u0165.<\/li><li><strong>Mlad\u00fd \u017eiadate\u013e s nehnute\u013enos\u0165ou, ktor\u00e1 nevyhovuje jeho potreb\u00e1m na b\u00fdvanie,<\/strong> m\u00f4\u017ee na v\u00fdnimku z\u00edska\u0165 aj 90 %. O jej pou\u017eit\u00ed rozhoduje banka individu\u00e1lne.<\/li><li><strong>\u017diadate\u013e vo veku 37 rokov<\/strong> na zv\u00fdhodnen\u00fd limit nedosiahne ani pri prvej nehnute\u013enosti, preto\u017ee v \u010dase podania \u017eiadosti prekro\u010dil hranicu 35 rokov.<\/li><li><strong>Pri tretej nehnute\u013enosti nez\u00e1le\u017e\u00ed na \u00fa\u010dele k\u00fapy.<\/strong> Limit 70 % plat\u00ed bez oh\u013eadu na to, \u010di ide o invest\u00edciu alebo vlastn\u00e9 b\u00fdvanie. V\u00fdnimka na 90 % je mo\u017en\u00e1, no len v obmedzenom rozsahu \u2013 napr\u00edklad ak vlastnen\u00e9 nehnute\u013enosti sp\u013a\u0148aj\u00fa defin\u00edciu reziden\u010dnej nehnute\u013enosti, ale re\u00e1lne nie s\u00fa obytn\u00e9.<\/li><\/ul><p dir=\"ltr\"><strong>O re\u00e1lnej v\u00fd\u0161ke LTV rozhoduje banka individu\u00e1lne.<\/strong> Bez oh\u013eadu na to, do ktorej skupiny \u017eiadate\u013e spad\u00e1, banka sa v\u017edy m\u00f4\u017ee rozhodn\u00fa\u0165 poskytn\u00fa\u0165 menej, ne\u017e stanovuje limit.<\/p><h2 dir=\"ltr\">Zhrnutie zmien pod\u013ea typu hypot\u00e9ky<\/h2><h3 dir=\"ltr\">Hypot\u00e9ka na prv\u00e9 b\u00fdvanie<\/h3><ul dir=\"ltr\"><li>pravidl\u00e1 sa <strong>uvo\u013e\u0148uj\u00fa<\/strong>,<\/li><li>LTV limit st\u00fapa z 80 % na <strong>90 %<\/strong>,<\/li><li>t\u00fdka sa \u017eiadate\u013eov <strong>do 35 rokov<\/strong> bez vlastnej nehnute\u013enosti pri k\u00fape alebo v\u00fdstavbe prv\u00e9ho b\u00fdvania.<\/li><\/ul><h3 dir=\"ltr\">Hypot\u00e9ka na reziden\u010dn\u00fa nehnute\u013enos\u0165<\/h3><ul dir=\"ltr\"><li>z\u00e1kladn\u00fd LTV limit <strong>80 %<\/strong>,<\/li><li>t\u00fdka sa \u017eiadate\u013eov, ktor\u00ed nesp\u013a\u0148aj\u00fa podmienky pre 90 % ani 70 %,<\/li><li>patria sem napr\u00edklad \u017eiadatelia nad 35 rokov bez nehnute\u013enosti alebo \u017eiadatelia vlastniaci jednu reziden\u010dn\u00fa nehnute\u013enos\u0165,<\/li><li>v r\u00e1mci regulat\u00f3rnej v\u00fdnimky m\u00f4\u017ee banka poskytn\u00fa\u0165 aj LTV do 90 %.<\/li><\/ul><h3 dir=\"ltr\">Hypot\u00e9ka na tretiu a \u010fal\u0161iu nehnute\u013enos\u0165<\/h3><ul dir=\"ltr\"><li>pravidl\u00e1 sa <strong>spr\u00eds\u0148uj\u00fa<\/strong>,<\/li><li>LTV limit kles\u00e1 z 80 % na <strong>70 %<\/strong>,<\/li><li>t\u00fdka sa \u017eiadate\u013eov, ktor\u00ed spolu vlastnia <strong>dve a viac<\/strong> reziden\u010dn\u00fdch nehnute\u013enost\u00ed,<\/li><li>v\u00fdnimka na 90 % je mo\u017en\u00e1 len v obmedzenom rozsahu,<\/li><li>plat\u00ed <strong>bez oh\u013eadu na sp\u00f4sob vyu\u017eitia<\/strong> nehnute\u013enosti.<\/li><\/ul><\/div><\/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 Hypot\u00e9ky od janu\u00e1ra 2027: \u010do sa men\u00ed pri financovan\u00ed b\u00fdvania Autor Dobryuctovnik Publikovan\u00e9 5. October 2026 Zdie\u013eajte \u010dl\u00e1nok Bankov\u00e1 rada NBS schv\u00e1lila 28. septembra 2026 novelu opatrenia, ktor\u00e1 men\u00ed hranice maxim\u00e1lnej \u010dasti ceny nehnute\u013enosti financovate\u013enej \u00faverom, teda LTV limit. \u017diadatelia sa po novom rozli\u0161uj\u00fa pod\u013ea veku a po\u010dtu vlastnen\u00fdch nehnute\u013enost\u00ed. Mlad\u00ed do [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3580,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-3571","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\/3571","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=3571"}],"version-history":[{"count":8,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3571\/revisions"}],"predecessor-version":[{"id":3579,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3571\/revisions\/3579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media\/3580"}],"wp:attachment":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media?parent=3571"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/categories?post=3571"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/tags?post=3571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}