{"id":154818,"date":"2026-08-18T15:27:08","date_gmt":"2026-08-18T15:27:08","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/154818\/"},"modified":"2026-08-18T15:27:08","modified_gmt":"2026-08-18T15:27:08","slug":"banky-preplatia-az-90-hypoteky-nie-vsak-vsetkym-niektori-dostanu-len-70-platne-od-januara-2027","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/154818\/","title":{"rendered":"Banky preplatia a\u017e 90 % hypot\u00e9ky. Nie v\u0161ak v\u0161etk\u00fdm. Niektor\u00ed dostan\u00fa len 70 % (platn\u00e9 od janu\u00e1ra 2027)"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Cesta k vlastn\u00e9mu <a href=\"https:\/\/www.techbyte.sk\/2026\/06\/inflacia-4-2-percenta-energie-byvanie-zdrazeli-takmer-10-percent\/\" rel=\"nofollow noopener\" target=\"_blank\">b\u00fdvaniu<\/a> je pre mlad\u00fdch Slov\u00e1kov \u010doraz n\u00e1ro\u010dnej\u0161ia, a preto pl\u00e1novala N\u00e1rodn\u00e1 banka Slovenska (NBS) prinies\u0165 o \u010dosi v\u00fdhodnej\u0161ie financovanie. Pripravovan\u00e1 reforma \u00faverov\u00fdch pravidiel mala u\u013eah\u010di\u0165 z\u00edskanie v\u00fdhodnej\u0161\u00edch \u00faverov pri k\u00fape prvej nehnute\u013enosti a z\u00e1rove\u0148 pri\u0161krti\u0165 investi\u010dn\u00e9 n\u00e1kupy bytov. Nov\u00fd syst\u00e9m mal plati\u0165 u\u017e od okt\u00f3bra tohto roka, no cel\u00fd proces sa nakoniec pos\u00fava. Banky po\u017eiadali o viac \u010dasu na technick\u00fa pr\u00edpravu, a tak nov\u00e9 pravidl\u00e1 vst\u00fapia do platnosti a\u017e v janu\u00e1ri 2027. Nie je to ve\u013ek\u00fd posun, ale je to posun.<\/p>\n<p>Prv\u00fd byt za v\u00fdhodnej\u0161\u00edch podmienok<\/p>\n<p class=\"wp-block-paragraph\">Hlavn\u00fdm cie\u013eom centr\u00e1lnej banky je spr\u00edstupni\u0165 90-percentn\u00e9 hypot\u00e9ky podstatne \u0161ir\u0161iemu okruhu mlad\u00fdch \u013eud\u00ed, ktor\u00ed si kupuj\u00fa svoje \u00faplne prv\u00e9 b\u00fdvanie. V praxi to znamen\u00e1, \u017ee \u017eiadate\u013eom bude na k\u00fapu nehnute\u013enosti sta\u010di\u0165 menej vlastn\u00fdch \u00faspor, ke\u010f\u017ee banka im dok\u00e1\u017ee prefinancova\u0165 a\u017e dev\u00e4\u0165 desat\u00edn z k\u00fapnej ceny.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">Hovorky\u0148a NBS Veronika Duchov\u00e1 pre STVR <a href=\"https:\/\/spravy.stvr.sk\/2026\/08\/zmeny-pravidiel-hypotek-pre-mladych-sa-odkladaju-banky-na-ich-zavedenie-potrebuju-viac-casu\/\" rel=\"nofollow noopener\" target=\"_blank\">vysvetlila<\/a>, \u017ee t\u00fdmito \u00fapravami reaguj\u00fa na rast\u00faci dopyt po investi\u010dn\u00fdch nehnute\u013enostiach a z\u00e1rove\u0148 vytv\u00e1raj\u00fa priestor na vo\u013enej\u0161ie podmienky financovania pre mlad\u00fdch \u013eud\u00ed, ktor\u00ed sa obzeraj\u00fa po prvom vlastnom domove.<\/p>\n<p class=\"wp-block-paragraph\">Na opa\u010dnej strane spektra v\u0161ak stoja kupuj\u00faci, ktor\u00ed u\u017e nejak\u00e9 nehnute\u013enosti vlastnia. Pre nich sa pravidl\u00e1 cite\u013ene spr\u00edsnia. T\u00edto klienti dostan\u00fa \u00faver maxim\u00e1lne do v\u00fd\u0161ky 80 percent z hodnoty kupovan\u00e9ho bytu \u010di domu.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">E\u0161te tvrd\u0161\u00ed meter potom nastavila NBS pre \u013eud\u00ed, ktor\u00ed kupuj\u00fa u\u017e svoju \u0161tvrt\u00fa nehnute\u013enos\u0165. Pri takomto investi\u010dnom n\u00e1kupe bud\u00fa musie\u0165 dolo\u017ei\u0165 a\u017e 30 percent z hodnoty z vlastn\u00fdch zdrojov, tak\u017ee hypot\u00e9ka pokryje najviac 70 percent ceny. Pod\u013ea Patrika Kindla, ekonomick\u00e9ho analytika spolo\u010dnosti Finax, p\u00f4jde v r\u00e1mci Eur\u00f3py o pomerne ojedinel\u00fd pr\u00edstup. V in\u00fdch eur\u00f3pskych \u0161t\u00e1toch sa toti\u017e investi\u010dn\u00e9 n\u00e1kupy spravidla nereguluj\u00fa cez limity \u00faverov, ale cez progres\u00edvne zdanenie, kedy druh\u00e1 a ka\u017ed\u00e1 \u010fal\u0161ia nehnute\u013enos\u0165 podlieha v\u00fdrazne vy\u0161\u0161ej majetkovej dani.<\/p>\n<p>Banky chc\u00fa viac \u010dasu. Ale pre\u010do?<\/p>\n<p class=\"wp-block-paragraph\">P\u00f4vodn\u00fd okt\u00f3brov\u00fd term\u00edn narazil predov\u0161etk\u00fdm na technologick\u00e9 limity bankov\u00e9ho sektora. Finan\u010dn\u00e9 domy potrebuj\u00fa spo\u013eahliv\u00fd sp\u00f4sob, ako si overi\u0165, ko\u013eko nehnute\u013enost\u00ed u\u017e konkr\u00e9tny \u017eiadate\u013e o \u00faver vlastn\u00ed, na \u010do je nevyhnutn\u00e9 priame a bezchybn\u00e9 napojenie na kataster nehnute\u013enost\u00ed.\u00a0<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"1000\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/08\/byvanie-byt-obr.jpg\" alt=\"byty, ECB, \u00farokov\u00e9 sadzby, ceny bytov, vlastn\u00e9 b\u00fdvanie, hypot\u00e9ku, n\u00e1jom, banky\" class=\"wp-image-280298\"  \/><\/p>\n<p>\t\tIlustr. obr. | Zdroj: <a href=\"https:\/\/depositphotos.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Depositphotos<\/a><\/p>\n<p class=\"wp-block-paragraph\">Slovensk\u00e1 bankov\u00e1 asoci\u00e1cia pritom upozornila, \u017ee banky v s\u00fa\u010dasnosti nemaj\u00fa garantovan\u00fd pr\u00edstup k potrebnej slu\u017ebe, ktor\u00fa by kataster zabezpe\u010doval. Z poh\u013eadu bank\u00e1rov bola navrhovan\u00e1 \u00fa\u010dinnos\u0165, teda vzh\u013eadom na technick\u00fa n\u00e1ro\u010dnos\u0165 tejto integr\u00e1cie, pr\u00edli\u0161 bl\u00edzka.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">Banky taktie\u017e pripom\u00ednaj\u00fa, \u017ee nov\u00fd syst\u00e9m automaticky nezaru\u010d\u00ed \u013eah\u0161ie z\u00edskanie pe\u0148az\u00ed pre ka\u017ed\u00e9ho mlad\u00e9ho \u010dloveka. \u00daverov\u00e9 limity a posudzovanie schopnosti spl\u00e1ca\u0165 zost\u00e1vaj\u00fa pr\u00edsne. Pri 90-percentnom financovan\u00ed si navy\u0161e klient po\u017ei\u010diava vy\u0161\u0161iu sumu, \u010do priamo znamen\u00e1 vy\u0161\u0161iu mesa\u010dn\u00fa spl\u00e1tku a v\u00e4\u010d\u0161iu celkov\u00fa finan\u010dn\u00fa z\u00e1\u0165a\u017e na rozpo\u010det po\u010das celej doby spl\u00e1cania.<\/p>\n<p>Skuto\u010dne to dok\u00e1\u017ee pom\u00f4c\u0165?<\/p>\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed na tom, z ak\u00e9ho uhla sa na to pozrieme. Nespornou v\u00fdhodou je zn\u00ed\u017eenie vstupnej bari\u00e9ry. Pre \u010derstv\u00e9ho absolventa \u010di mlad\u00fa rodinu je na\u0161etrenie 20 percent z ceny bytu vo v\u00e4\u010d\u0161om meste \u010dasto nerie\u0161ite\u013en\u00fd probl\u00e9m, najm\u00e4 ak z\u00e1rove\u0148 platia drah\u00fd n\u00e1jom, ke\u010f\u017ee aj dovtedy musia niekde b\u00fdva\u0165.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">Ak im posta\u010d\u00ed len 10 percent vlastn\u00fdch \u00faspor, cesta k vlastn\u00e9mu b\u00fdvaniu sa pre nich \u010dasovo skr\u00e1ti aj o nieko\u013eko rokov. D\u00e1ta centr\u00e1lnej banky navy\u0161e potvrdzuj\u00fa, \u017ee mlad\u00ed \u013eudia, ktor\u00ed si kupuj\u00fa prv\u00e9 b\u00fdvanie, patria k najdisciplinovanej\u0161\u00edm dl\u017en\u00edkom, preto\u017ee strechu nad hlavou potrebuj\u00fa a sna\u017eia sa ju udr\u017ea\u0165 aj v n\u00e1ro\u010dnej\u0161\u00edch \u010dasoch.<\/p>\n<p class=\"wp-block-paragraph\">S\u00fa tu v\u0161ak aj rizik\u00e1. Z\u00e1sadn\u00fdm probl\u00e9mom je takzvan\u00fd pr\u00edjmov\u00fd strop a limit celkovej zadl\u017eenosti. To, \u017ee NBS umo\u017en\u00ed z\u00edska\u0165 90 percent z hodnoty bytu, automaticky neznamen\u00e1, \u017ee banka \u00faver schv\u00e1li. Ostatn\u00e9 pr\u00edsne pravidl\u00e1, ako maxim\u00e1lny strop \u00faveru vo v\u00fd\u0161ke 8-n\u00e1sobku ro\u010dn\u00e9ho \u010dist\u00e9ho pr\u00edjmu a povinn\u00e1 rezerva na spl\u00e1tku pri vy\u0161\u0161\u00edch \u00farokoch, zost\u00e1vaj\u00fa v platnosti. Mnoh\u00ed mlad\u00ed \u013eudia s\u00edce bud\u00fa ma\u0165 dostatok \u00faspor na 10 percent ceny, no ich mesa\u010dn\u00fd plat nebude sta\u010di\u0165 na schv\u00e1lenie 90-percentnej sumy.<\/p>\n<p class=\"wp-block-paragraph\">\u010eal\u0161\u00edm d\u00f4le\u017eit\u00fdm rizikom je samotn\u00fd tlak na rast cien nehnute\u013enost\u00ed. Ak sa na trhu zrazu objav\u00ed ve\u013ek\u00e1 skupina mlad\u00fdch kupuj\u00facich s \u013eah\u0161\u00edm pr\u00edstupom k peniazom, okam\u017eite to zv\u00fd\u0161i dopyt po men\u0161\u00edch \u201c\u0161tartovac\u00edch\u201d bytoch. A ke\u010f\u017ee ponuka bytov na Slovensku je dlhodobo nedostato\u010dn\u00e1, pred\u00e1vaj\u00faci m\u00f4\u017eu ve\u013emi r\u00fdchlo reagova\u0165 \u010fal\u0161\u00edm zdra\u017eovan\u00edm. Zv\u00fd\u0161enie \u00faverov\u00e9ho limitu tak m\u00f4\u017ee v kone\u010dnom d\u00f4sledku zhltn\u00fa\u0165 samotn\u00e9 zdra\u017eenie nehnute\u013enost\u00ed.<\/p>\n<p class=\"wp-block-paragraph\">V neposlednom rade je ot\u00e1zny aj skuto\u010dn\u00fd dopad na investorov. Hoci NBS zn\u00ed\u017een\u00edm \u00faveru pri tretej a \u010fal\u0161ej nehnute\u013enosti do istej miery utlm\u00ed \u0161pekulat\u00edvne n\u00e1kupy, sk\u00fasenosti z in\u00fdch kraj\u00edn uk\u00e1zali, \u017ee solventn\u00ed investori t\u00fato prek\u00e1\u017eku \u013eahko ob\u00eddu. M\u00f4\u017eu vyu\u017ei\u0165 zalo\u017eenie inej neza\u0165a\u017eenej nehnute\u013enosti, zalo\u017ei\u0165 si firmu, pr\u00edpadne nakupova\u0165 priamo za hotovos\u0165. Spr\u00edsnenie tak vytla\u010d\u00ed z trhu najm\u00e4 be\u017en\u00fdch drobn\u00fdch investorov, no ve\u013ek\u00fdch hr\u00e1\u010dov pravdepodobne ve\u013emi nezran\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"Cesta k vlastn\u00e9mu b\u00fdvaniu je pre mlad\u00fdch Slov\u00e1kov \u010doraz n\u00e1ro\u010dnej\u0161ia, a preto pl\u00e1novala N\u00e1rodn\u00e1 banka Slovenska (NBS) prinies\u0165&hellip;\n","protected":false},"author":2,"featured_media":154819,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[327,64,65,66,2977,45849,6375,28974,2704,1477,43,40,39,42,41,5116],"class_list":["post-154818","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-banky","tag-business","tag-economic","tag-ekonomika","tag-hypoteka","tag-investicne-byty","tag-kupa","tag-mladi-ludia","tag-nbs","tag-nehnutelnost","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-uver"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117117219358417294","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/154818","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=154818"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/154818\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/154819"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=154818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=154818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=154818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}