{"id":29071,"date":"2026-03-27T07:04:06","date_gmt":"2026-03-27T07:04:06","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/29071\/"},"modified":"2026-03-27T07:04:06","modified_gmt":"2026-03-27T07:04:06","slug":"na-lacnejsiu-hypoteku-mozete-nateraz-zabudnut","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/29071\/","title":{"rendered":"Na lacnej\u0161iu hypot\u00e9ku m\u00f4\u017eete nateraz zabudn\u00fa\u0165"},"content":{"rendered":"

\t\t\t\t\t\t\t<\/p>\n

\n\t\t\t\t\t\t\t\t\t\t\tKALKULA\u010cKA\n\t\t\t\t\t\t\t\t\t<\/p>\n

\t\t\t\t\tFoto: freepik.com\/xb100, benzoix<\/p>\n

\t\t\t\"autor<\/p>\n

Je to len p\u00e1r t\u00fd\u017ed\u0148ov, \u010do sa banky na Slovensku pretekali v tom, ktor\u00e1 poskytne svojim klientom najv\u00fdhodnej\u0161ie \u00farokov\u00e9 sadzby na hypot\u00e9ky. Situ\u00e1cia sa v\u0161ak radik\u00e1lne men\u00ed a nateraz sa zd\u00e1, \u017ee zlac\u0148ovaniu hypot\u00e9k je koniec.<\/p>\n

\u010eal\u0161ie zlac\u0148ovanie hypot\u00e9k<\/a> na Slovensku je nateraz zrejme ut\u00f3piou. \u00daroky narazili na svoje dno tesne nad 3 percentami a aktu\u00e1lne v\u0161etko nasved\u010duje tomu, \u017ee ni\u017e\u0161ie u\u017e nep\u00f4jdu. Sk\u00f4r naopak, mo\u017eno o\u010dak\u00e1va\u0165 ich zdra\u017eovanie. Niektor\u00e9 banky s t\u00fdm u\u017e za\u010dali.<\/p>\n

Pre d\u00f4vody pritom netreba chodi\u0165 \u010faleko. Ir\u00e1nska kr\u00edza toti\u017e nielen zvy\u0161uje riziko zdv\u00edhania \u00farokov\u00fdch sadzieb ECB<\/a>, ale predra\u017euje tie\u017e financovanie dlhu slovenskej vl\u00e1dy. A to s\u00fa dva k\u013e\u00fa\u010dov\u00e9 faktory, ktor\u00e9 vpl\u00fdvaj\u00fa aj na \u00faroky z \u00faverov pre koncov\u00fdch klientov v bank\u00e1ch.<\/p>\n

V\u00fdrazn\u00fa zmenu sme mohli pozorova\u0165 hne\u010f po za\u010diatku vojny v Ir\u00e1ne, ke\u010f vystrelili v\u00fdnosy zo slovensk\u00fdch vl\u00e1dnych dlhopisov nahor. \u201eHlavn\u00fdm sp\u00fa\u0161\u0165a\u010dom rastu v\u00fdnosov slovensk\u00fdch dlhopisov je energetick\u00fd \u0161ok z Bl\u00edzkeho v\u00fdchodu. Rast cien ropy a plynu zhor\u0161il infla\u010dn\u00fd v\u00fdh\u013ead v euroz\u00f3ne a ECB u\u017e otvorene hovor\u00ed o vy\u0161\u0161\u00edch rizik\u00e1ch pre infl\u00e1ciu aj rast,\u201c uviedol pre web oPeniazoch.sk<\/a> analytik XTB Matej Bajz\u00edk<\/a>.<\/p>\n

Trh si to pod\u013ea neho prelo\u017eil tak, \u017ee priestor na uvo\u013e\u0148ovanie menovej politiky sa zmen\u0161il a pri men\u0161\u00edch trhoch, ak\u00fdm je Slovensko, sa to prejavuje r\u00fdchlej\u0161\u00edm rastom rizikovej prir\u00e1\u017eky. Nepriamo k tomu prispieva aj aktu\u00e1lna situ\u00e1cia na dom\u00e1com trhu s palivami, kde zaveden\u00e9 obmedzenia m\u00f4\u017eu investorom signalizova\u0165 vy\u0161\u0161iu zranite\u013enos\u0165 slovenskej ekonomiky vo\u010di energetick\u00e9mu \u0161oku.<\/p>\n

Nie je to pritom len slovensk\u00fd pr\u00edbeh. V\u00fdnosy rast\u00fa naprie\u010d celou Eur\u00f3pou, Slovensko ako men\u0161\u00ed trh v\u0161ak pod\u013ea Bajz\u00edka reaguje citlivej\u0161ie. Podobn\u00e9 nap\u00e4tie vidno napr\u00edklad v Rumunsku, kde museli pre volatilitu zru\u0161i\u0165 viacer\u00e9 aukcie \u0161t\u00e1tnych dlhopisov. \u201ePre spotrebite\u013eov to m\u00f4\u017ee znamena\u0165 spomalenie poklesu hypotek\u00e1rnych sadzieb, pr\u00edpadne ich op\u00e4tovn\u00fd mierny n\u00e1rast,\u201c tvrd\u00ed analytik XTB<\/a>.<\/p>\n

\tAk\u00fd v\u00fdvoj \u00farokov\u00fdch sadzieb pri hypot\u00e9kach o\u010dak\u00e1vate do konca roka 2026?<\/p>\n

V\u00e4\u010d\u0161\u00ed probl\u00e9m by v\u0161ak pod\u013ea neho nastal vtedy, ak by sa drah\u00e9 energie dlhodobo preliali do jadrovej infl\u00e1cie a prin\u00fatili ECB k razantnej\u0161iemu zvy\u0161ovaniu sadzieb ako trhy moment\u00e1lne o\u010dak\u00e1vaj\u00fa. \u201eJe pravdepodobn\u00e9, \u017ee tento rok uvid\u00edme prehodnotenie \u00farokov\u00fdch sadzieb v euroz\u00f3ne a najnov\u0161ie o\u010dak\u00e1vania nazna\u010duj\u00fa, \u017ee u\u017e v apr\u00edli by mohla r\u00e1s\u0165 z\u00e1kladn\u00e1 \u00farokov\u00e1 sadzba o 25 b\u00e1zick\u00fdch bodov na 2,25 %,\u201c dodal Bajz\u00edk.<\/p>\n

Niektor\u00e9 banky na Slovensku u\u017e pritom prist\u00fapili k prepisovaniu sadzobn\u00edkov. Tento t\u00fd\u017ede\u0148 zv\u00fd\u0161ila \u00faroky UniCredit Bank, ktor\u00e1 doteraz pon\u00fakala najlacnej\u0161ie hypot\u00e9ky na trhu. Tie s dvoj a trojro\u010dnou splatnos\u0165ou od \u0161tvrtka pon\u00faka s \u00farokov\u00fdmi sadzbami 3,39 % p.a., teda o 0,3 percentu\u00e1lneho bodu vy\u0161\u0161ie, ako predt\u00fdm. <\/p>\n

To je aktu\u00e1lne st\u00e1le jedna z najni\u017e\u0161\u00edch sadzieb na trhu. Pod\u013ea ofici\u00e1lnych sadzobn\u00edkov (mimo akciov\u00fdch pon\u00fak) lacnej\u0161iu hypot\u00e9ku aktu\u00e1lne pon\u00faka u\u017e len 365.bank pri trojro\u010dnej fix\u00e1cii za 3,35 % p.a. Pod\u013ea medializovan\u00fdch inform\u00e1ci\u00ed pritom zvy\u0161ovanie sadzieb pripravuj\u00fa aj \u010fal\u0161ie banky.<\/p>\n

Aktu\u00e1lne sadzby hypotek\u00e1rnych \u00faverov v bank\u00e1ch p\u00f4sobiacich na Slovensku si m\u00f4\u017eete prezrie\u0165 v tabu\u013eke vy\u0161\u0161ie. Pr\u00edpadn\u00fa v\u00fd\u0161ku spl\u00e1tky si zase na z\u00e1klade aktu\u00e1lnych \u00farokov\u00fdch sadzieb viete jednoducho vypo\u010d\u00edta\u0165 v na\u0161ej kalkula\u010dke:<\/p>\n

Hypotek\u00e1rna kalkula\u010dka<\/p>\n

Viac o t\u00e9me:
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tbanky\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\u010dlen Rady guvern\u00e9rov ECB\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tECB\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\thypot\u00e9ky\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tinfl\u00e1cia\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tMatej Bajz\u00edk\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tslovensk\u00e1 ekonomika\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\u0161t\u00e1tne dlhopisy\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\u00farokov\u00e9 sadzby\t\t\t\t\t\t\t\t\t\t<\/a>
\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\tXTB\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n","protected":false},"excerpt":{"rendered":"KALKULA\u010cKA Foto: freepik.com\/xb100, benzoix Je to len p\u00e1r t\u00fd\u017ed\u0148ov, \u010do sa banky na Slovensku pretekali v tom, ktor\u00e1…\n","protected":false},"author":2,"featured_media":29072,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[327,64,13288,4894,65,66,10068,2617,2620,43,40,39,42,1441,41,3747,6152,2622],"class_list":{"0":"post-29071","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomika","8":"tag-banky","9":"tag-business","10":"tag-clen-rady-guvernerov-ecb","11":"tag-ecb","12":"tag-economic","13":"tag-ekonomika","14":"tag-hypoteky","15":"tag-inflacia","16":"tag-matej-bajzik","17":"tag-sk","18":"tag-slovak","19":"tag-slovakia","20":"tag-slovencina","21":"tag-slovenska-ekonomika","22":"tag-slovensko","23":"tag-statne-dlhopisy","24":"tag-urokove-sadzby","25":"tag-xtb"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116299868602102282","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/29071","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=29071"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/29071\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/29072"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=29071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=29071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=29071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}