{"id":146307,"date":"2026-08-09T17:02:45","date_gmt":"2026-08-09T17:02:45","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/146307\/"},"modified":"2026-08-09T17:02:45","modified_gmt":"2026-08-09T17:02:45","slug":"stat-odklepol-tvrdu-zmenu-mnohi-slovaci-si-musia-siahnut-hlbsie-do-uspor","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/146307\/","title":{"rendered":"\u0160t\u00e1t odklepol tvrd\u00fa zmenu. Mnoh\u00ed Slov\u00e1ci si musia siahnu\u0165 hlb\u0161ie do \u00faspor"},"content":{"rendered":"

Ak sa pri rekon\u0161trukcii domu<\/a> alebo sporen\u00ed pre deti spoliehate na finan\u010dn\u00fa podporu od \u0161t\u00e1tu, pripravte sa na zmenu. Chystan\u00e9 \u0161krty sp\u00f4sobia, \u017ee na z\u00edskanie rovnak\u00e9ho finan\u010dn\u00e9ho bonusu budete musie\u0165 zaplati\u0165 podstatne viac zo svojich vlastn\u00fdch \u00faspor. Pre zachovanie najvy\u0161\u0161ieho pr\u00edspevku a z\u00edskanie v\u00fdhodn\u00e9ho \u00faveru na b\u00fdvanie tak bude treba celkom z\u00e1sadne prepl\u00e1nova\u0165 rodinn\u00fd rozpo\u010det.<\/p>\n

Podpora klesne, pln\u00fd bonus bude drah\u0161\u00ed<\/p>\n

Z\u00edska\u0165 pln\u00fa \u0161t\u00e1tnu podporu pri stavebnom sporen\u00ed bude od bud\u00faceho roka o \u010dosi n\u00e1ro\u010dnej\u0161ie. Ministerstvo financi\u00ed navrhuje zn\u00ed\u017eenie \u0161t\u00e1tnej pr\u00e9mie zo s\u00fa\u010dasn\u00fdch 6 percent na 5 percent z ro\u010dn\u00e9ho vkladu. V praxi sa t\u00e1to zmena prejav\u00ed nesk\u00f4r, ke\u010f\u017ee pr\u00e9mie vypo\u010d\u00edtan\u00e9 pod\u013ea nov\u00fdch pravidiel \u0161t\u00e1t re\u00e1lne vyplat\u00ed z rozpo\u010dtu v roku 2028, vysvet\u013euje<\/a> port\u00e1l Peniaze.sk.<\/p>\n

Pre be\u017en\u00fa rodinu to znamen\u00e1, \u017ee hoci maxim\u00e1lna v\u00fd\u0161ka \u0161t\u00e1tnej pr\u00e9mie zost\u00e1va na \u00farovni 70 eur, cesta k jej z\u00edskaniu bude finan\u010dne n\u00e1kladnej\u0161ia. Z\u00e1stupcovia ministerstva financi\u00ed v\u0161ak vysvet\u013euj\u00fa, \u017ee zmena nie je svojvo\u013en\u00fdm rozhodnut\u00edm. V\u00fd\u0161ka pr\u00e9mie sa toti\u017e ur\u010duje pod\u013ea automatick\u00e9ho vzorca zo z\u00e1kona o stavebnom sporen\u00ed, ktor\u00fd reaguje najm\u00e4 na v\u00fdvoj \u00farokov\u00fdch sadzieb na trhu v predch\u00e1dzaj\u00facom obdob\u00ed.<\/p>\n

Pre lep\u0161ie pochopenie, dnes v\u00e1m na z\u00edskanie 70 eur treba na\u0161etri\u0165 1 167 eur, od bud\u00faceho roka to bude 1 397 eur. Rozdiel teda predstavuje 230 eur, \u010do rozhodne nie je m\u00e1lo pe\u0148az\u00ed.<\/p>\n

Koniec zlatej \u00e9ry<\/p>\n

I ke\u010f s\u00fa celkov\u00e9 \u010d\u00edsla st\u00e1le vysok\u00e9, stavebn\u00e9 sporenie zrejme m\u00e1 svoje najlep\u0161ie \u010dasy za sebou. V minulosti, ke\u010f \u0161t\u00e1t dotoval tento produkt ove\u013ea \u0161tedrej\u0161ie, bola motiv\u00e1cia \u013eud\u00ed spori\u0165 si t\u00fdmto sp\u00f4sobom ove\u013ea vy\u0161\u0161ia. Dnes u\u017e stavebn\u00e9 sporenie nie je univerz\u00e1lne rie\u0161enie pre ka\u017ed\u00e9ho, zameriava sa na konkr\u00e9tne skupiny obyvate\u013eov.<\/p>\n

Pre koho m\u00e1 stavebn\u00e9 sporenie st\u00e1le zmysel?<\/p>\n

Oplat\u00ed sa najm\u00e4 rodi\u010dom, ktor\u00ed chc\u00fa de\u0165om vytvori\u0165 bezpe\u010dn\u00fa rezervu na bud\u00face b\u00fdvanie alebo osamostatnenie s pomocou \u0161t\u00e1tnej podpory. Vhodn\u00fd je aj pre \u013eud\u00ed, ktor\u00ed pl\u00e1nuj\u00fa rekon\u0161trukciu v horizonte troch a\u017e \u0161iestich rokov, ke\u010f\u017ee z\u00edskaj\u00fa garantovan\u00fd \u00farok na stavebn\u00fd \u00faver bez nutnosti zaklada\u0165 nehnute\u013enos\u0165.\u00a0<\/p>\n

\"peniaze,<\/p>\n

\t\tZdroj: Depositphotos<\/a><\/p>\n

Rovnako m\u00f4\u017ee padn\u00fa\u0165 vhod konzervat\u00edvnej\u0161\u00edm sporite\u013eom s ni\u017e\u0161\u00edm \u010di stredn\u00fdm pr\u00edjmom, ktor\u00ed odmietaj\u00fa riziko akci\u00ed alebo ETF fondov a z\u00e1rove\u0148 sp\u013a\u0148aj\u00fa z\u00e1konn\u00fd pr\u00edjmov\u00fd strop vo v\u00fd\u0161ke maxim\u00e1lne 1,3-n\u00e1sobku priemernej mzdy.<\/p>\n

Naopak, stavebn\u00e9 sporenie sa neoplat\u00ed \u013eu\u010fom s vysok\u00fdm pr\u00edjmom, ktor\u00ed tento pr\u00edjmov\u00fd limit prekra\u010duj\u00fa, preto\u017ee im nebude priznan\u00e1 \u0161t\u00e1tna pr\u00e9mia. Nev\u00fdhodn\u00e9 je aj pre investorov, ktor\u00ed h\u013eadaj\u00fa zhodnotenie nad \u00farov\u0148ou infl\u00e1cie, ke\u010f\u017ee \u010dist\u00fd v\u00fdnos (po zar\u00e1tan\u00ed poplatkov a 5-percentnej pr\u00e9mie) zaost\u00e1va za akciov\u00fdmi indexmi. Tento produkt napokon nie je vhodn\u00fd ani pre t\u00fdch, ktor\u00ed nevedia dokladova\u0165 stavebn\u00fd \u00fa\u010del, preto\u017ee bez dokladov o k\u00fape \u010di rekon\u0161trukcii pri v\u00fdbere pr\u00eddu o \u0161t\u00e1tnu pr\u00e9miu.<\/p>\n

O definit\u00edvnej podobe rozhodne vl\u00e1da<\/p>\n

N\u00e1vrh z dielne ministerstva financi\u00ed sa teraz nach\u00e1dza v medzirezortnom pripomienkovom konan\u00ed, pri\u010dom kone\u010dn\u00fd verdikt vyhl\u00e1si vl\u00e1da. V pr\u00edpade schv\u00e1lenia kabinetom za\u010dne nov\u00e1 5-percentn\u00e1 v\u00fd\u0161ka \u0161t\u00e1tnej pr\u00e9mie plati\u0165 od za\u010diatku bud\u00faceho roka. Pokia\u013e pl\u00e1nujete stavebn\u00e9 sporenie vyu\u017e\u00edva\u0165 aj na\u010falej a chcete z neho vy\u0165a\u017ei\u0165 maximum, mus\u00edte sa pripravi\u0165 na to, \u017ee si budete musie\u0165 zo svojho rozpo\u010dtu ka\u017ed\u00fd mesiac odklada\u0165 viac pe\u0148az\u00ed.<\/p>\n

\u010co presne je stavebn\u00e9 sporenie a ako o\u0148 po\u017eiada\u0165?<\/p>\n

Pre t\u00fdch, ktor\u00ed nevedia, o \u010do presne ide, stavebn\u00e9 sporenie mo\u017eno klasifikova\u0165 ako \u0161peci\u00e1lny druh \u00fa\u010delov\u00e9ho sporenia v banke, ktor\u00fd sp\u00e1ja f\u00e1zu hromadenia \u00faspor s mo\u017enos\u0165ou z\u00edskania v\u00fdhodn\u00e9ho \u00faveru na b\u00fdvanie. Jeho hlavn\u00fdm cie\u013eom je pom\u00f4c\u0165 \u013eu\u010fom z\u00edska\u0165 dostatok pe\u0148az\u00ed na rie\u0161enie bytov\u00fdch potrieb, pri\u010dom \u0161t\u00e1t tento proces podporuje vypl\u00e1can\u00edm spom\u00ednanej \u0161t\u00e1tnej pr\u00e9mie (ktor\u00e1 \u010doskoro klesne).<\/p>\n

Na rozdiel od be\u017en\u00fdch \u00fa\u010dtov ide o dlhodob\u00e9 sporenie, pri ktorom sporite\u013e (po splnen\u00ed z\u00e1konn\u00fdch podmienok) z\u00edskava n\u00e1rok na stavebn\u00fd \u00faver s garantovanou \u00farokovou sadzbou.<\/p>\n

Tento finan\u010dn\u00fd produkt teda sl\u00fa\u017ei v\u00fdhradne na financovanie potrieb spojen\u00fdch s b\u00fdvan\u00edm. Nasporen\u00e9 peniaze spolu s pr\u00edpadn\u00fdm \u00faverom je mo\u017eno vyu\u017ei\u0165 na k\u00fapu bytu, domu \u010di pozemku, stavbu nehnute\u013enosti alebo na rekon\u0161trukcie, ako je v\u00fdmena okien, zateplenie \u010di moderniz\u00e1cia k\u00fape\u013ene. Peniaze sa daj\u00fa pou\u017ei\u0165 aj na splatenie in\u00fdch, drah\u0161\u00edch \u00faverov, ktor\u00e9 boli p\u00f4vodne ur\u010den\u00e9 na b\u00fdvanie.\u00a0<\/p>\n

D\u00f4le\u017eitou podmienkou pri v\u00fdbere pe\u0148az\u00ed s vyu\u017eit\u00edm \u0161t\u00e1tnej podpory je povinnos\u0165 preuk\u00e1za\u0165 banke doklady o tom, \u017ee peniaze boli skuto\u010dne pou\u017eit\u00e9 na stavebn\u00fd \u00fa\u010del.<\/p>\n

O stavebn\u00e9 sporenie m\u00f4\u017eete po\u017eiada\u0165 priamo v licencovanej stavebnej sporite\u013eni alebo prostredn\u00edctvom jej zmluvn\u00fdch partnerov, respekt\u00edve sprostredkovate\u013eov. Proces za\u010d\u00edna uzatvoren\u00edm zmluvy o stavebnom sporen\u00ed, kde si zvol\u00edte cie\u013eov\u00fa sumu a sporiacu tarifu. Na uzatvorenie zmluvy potrebujete platn\u00fd doklad toto\u017enosti, pri\u010dom zmluvu je dnes vo v\u00e4\u010d\u0161ine pr\u00edpadov mo\u017en\u00e9 dojedna\u0165 aj online. Pri \u017eiadan\u00ed o \u0161t\u00e1tnu pr\u00e9miu mus\u00edte tie\u017e preuk\u00e1za\u0165, \u017ee v\u00e1\u0161 pr\u00edjem za predch\u00e1dzaj\u00faci kalend\u00e1rny rok nepresiahol z\u00e1konn\u00fd limit.<\/p>\n","protected":false},"excerpt":{"rendered":"Ak sa pri rekon\u0161trukcii domu alebo sporen\u00ed pre deti spoliehate na finan\u010dn\u00fa podporu od \u0161t\u00e1tu, pripravte sa na…\n","protected":false},"author":2,"featured_media":146308,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[228,44628,43,40,44,39,42,45,41,5021,43582,1439],"class_list":["post-146307","post","type-post","status-publish","format-standard","has-post-thumbnail","category-slovensko","tag-peniaze","tag-premia","tag-sk","tag-slovak","tag-slovak-republic","tag-slovakia","tag-slovencina","tag-slovenska-republika","tag-slovensko","tag-stat","tag-stavebne-sporenie","tag-uspory"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117066632545593873","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/146307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=146307"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/146307\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/146308"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=146307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=146307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=146307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}