{"id":62364,"date":"2026-05-05T22:26:13","date_gmt":"2026-05-05T22:26:13","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/62364\/"},"modified":"2026-05-05T22:26:13","modified_gmt":"2026-05-05T22:26:13","slug":"slovenska-sporitelna-vracia-az-150-eur-mesacne-na-hypoteke-tisice-ludi-dostanu-peniaze-bez-ziadosti","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/62364\/","title":{"rendered":"Slovensk\u00e1 sporite\u013e\u0148a vracia a\u017e 150 eur mesa\u010dne na hypot\u00e9ke. Tis\u00edce \u013eud\u00ed dostan\u00fa peniaze bez \u017eiadosti"},"content":{"rendered":"

Slovensk\u00e1 sporite\u013e\u0148a vracia od m\u00e1ja 2026 klientom so zdra\u017eenou hypot\u00e9kou a\u017e 150 eur mesa\u010dne. Tis\u00edce \u013eud\u00ed dostan\u00fa peniaze automaticky na \u00fa\u010det, bez \u017eiadosti a bez n\u00e1v\u0161tevy pobo\u010dky. Zistite, \u010di patr\u00edte medzi nich a \u010do mus\u00edte urobi\u0165, ak nie. <\/p>\n

Novinky<\/a> \"Slovensk\u00e1 <\/p>\n

Slovensk\u00e1 sporite\u013e\u0148a. Zdroj: shutterstock.com\/Stefan Sutka <\/p>\n

\"Bybit<\/a>\"Bybit<\/a><\/p>\n

Slovensk\u00e1 sporite\u013e\u0148a, najv\u00e4\u010d\u0161ia banka na Slovensku, sa rozhodla zapoji\u0165 do syst\u00e9mu hypotek\u00e1rnej pomoci. Ak v\u00e1m po zmene fix\u00e1cie nar\u00e1stla spl\u00e1tka, banka<\/a> v\u00e1m ka\u017ed\u00fd mesiac vr\u00e1ti 75 % z rozdielu medzi p\u00f4vodnou a novou spl\u00e1tkou,\u00a0no najviac 150 eur.<\/p>\n

Predstavte si, \u017ee ka\u017ed\u00fd mesiac dostanete na \u00fa\u010det a\u017e 150 eur len preto, lebo spl\u00e1cate hypot\u00e9ku. Od m\u00e1ja 2026 je to realita pre tis\u00edce Slov\u00e1kov, ktor\u00fdm zdra\u017eenie hypot\u00e9k<\/a> po refix\u00e1cii zasiahlo do rodinn\u00e9ho rozpo\u010dtu.<\/p>\n

Slovensk\u00e1 sporite\u013e\u0148a: ako funguje v\u00fdpo\u010det v praxi?<\/p>\n

Ak ste pred refix\u00e1ciou platili 300 eur a po nej plat\u00edte 400 eur, rozdiel je 100 eur. Banka v\u00e1m z toho vr\u00e1ti 75 eur mesa\u010dne. Za rok je to 900 eur navy\u0161e vo va\u0161ej pe\u0148a\u017eenke.<\/p>\n

Podmienka je jedin\u00e1, spl\u00e1tku mus\u00edte zaplati\u0165 v plnej v\u00fd\u0161ke. A to sta\u010d\u00ed urobi\u0165 do konca nasleduj\u00faceho mesiaca po term\u00edne splatnosti. Peniaze v\u00e1m pr\u00eddu na \u00fa\u010det mesiac pozadu.<\/p>\n

\"Hypot\u00e9ky<\/a><\/p>\n

Hypot\u00e9ky dra\u017eej\u00fa. Zdroj: shutterstock.com\/voronman<\/p>\n

Kto dostane peniaze automaticky a kto mus\u00ed kona\u0165<\/p>\n

Tu prich\u00e1dza k\u013e\u00fa\u010dov\u00e1 ot\u00e1zka: mus\u00edte nie\u010do robi\u0165, alebo nie?<\/p>\n

Ak ste pred 30. novembrom 2025 poberali \u0161t\u00e1tny pr\u00edspevok z \u00faradu pr\u00e1ce<\/a>, nemus\u00edte urobi\u0165 v\u00f4bec ni\u010d. Klientom, ktor\u00ed mali n\u00e1rok na pr\u00edspevok poskytovan\u00fd \u00faradom pr\u00e1ce do 30. novembra 2025 a na\u010falej sp\u013a\u0148aj\u00fa podmienky, bude banka poskytova\u0165 hypotek\u00e1rnu pomoc automaticky, bez podania \u017eiadosti.<\/p>\n

Ak ste pr\u00edspevok doteraz nepoberali, mus\u00edte sa ozva\u0165 sami. \u017diados\u0165 m\u00f4\u017eete poda\u0165 osobne v ktorejko\u013evek pobo\u010dke Slovenskej sporite\u013ene od 1. m\u00e1ja 2026.<\/p>\n

Z\u00e1kladn\u00e9 podmienky hypotek\u00e1rnej pomoci<\/p>\n

Z\u00e1kon stanovuje jasn\u00e9 pravidl\u00e1. Pomoc dostanete, ak:<\/p>\n

ste hypot\u00e9ku spl\u00e1cali u\u017e pred 1. janu\u00e1rom 2024,
\nspl\u00e1tka v\u00e1m nar\u00e1stla po refix\u00e1cii \u00farokovej sadzby po 31. j\u00fali 2025,
\n\u00faver je na byt alebo dom na Slovensku, kde b\u00fdvate vy alebo va\u0161i bl\u00edzki,
\nm\u00e1te trval\u00fd alebo prechodn\u00fd pobyt na Slovensku,
\nv\u00e1\u0161 pr\u00edjem nepresahuje 1,6-n\u00e1sobok priemernej mzdy.<\/p>\n

D\u00f4le\u017eit\u00e9<\/p>\n

Pomoc sa vz\u0165ahuje len na jednu nehnute\u013enos\u0165 a jeden \u00faver. Ak m\u00e1te viac hypot\u00e9k, n\u00e1rok m\u00e1te len na jednu z nich.<\/p>\n

Kedy pomoc skon\u010d\u00ed?<\/p>\n

Hypotek\u00e1rna pomoc nie je trval\u00e1. Poskytuje sa do 30. novembra 2027, alebo do najbli\u017e\u0161ej zmeny fix\u00e1cie \u00farokovej sadzby \u2014 pod\u013ea toho, \u010do nastane sk\u00f4r. M\u00e1te teda okno zhruba do konca roka 2027, no pri niektor\u00fdch hypot\u00e9kach m\u00f4\u017ee by\u0165 krat\u0161ie.<\/p>\n

Dobrou spr\u00e1vou je, \u017ee pomoc sa d\u00e1 kombinova\u0165 s da\u0148ov\u00fdm bonusom na zaplaten\u00e9 \u00faroky,\u00a0tzv. hypot\u00e9ka pre mlad\u00fdch. Tieto dve v\u00fdhody si navz\u00e1jom neprek\u00e1\u017eaj\u00fa.<\/p>\n

Slovensk\u00e1 sporite\u013e\u0148a: \u010co ak me\u0161k\u00e1te so spl\u00e1tkou?<\/p>\n

Ani oneskoren\u00e1 platba v\u00e1s o pomoc nemus\u00ed pripravi\u0165. Ak spl\u00e1tku uhrad\u00edte do konca mesiaca nasleduj\u00faceho po term\u00edne, pr\u00edspevok za dan\u00fd mesiac dostanete. Napr\u00edklad: spl\u00e1tku splatn\u00fa 10. m\u00e1ja zaplat\u00edte do 30. j\u00fana, tak pr\u00edspevok za m\u00e1j v\u00e1m pr\u00edde za\u010diatkom j\u00fala.<\/p>\n

Pozor v\u0161ak na jedno riziko:<\/p>\n

Ak sa nesk\u00f4r uk\u00e1\u017ee, \u017ee ste podmienky nesp\u013a\u0148ali, banka bude peniaze \u017eiada\u0165 sp\u00e4\u0165. Preto si pred podan\u00edm \u017eiadosti d\u00f4kladne overte, \u017ee sp\u013a\u0148ate v\u0161etky z\u00e1konn\u00e9 po\u017eiadavky.<\/p>\n

Ak teda va\u0161a spl\u00e1tka po refix\u00e1cii nar\u00e1stla a hypot\u00e9ku spl\u00e1cate od roku 2023 alebo sk\u00f4r, m\u00f4\u017ee \u00eds\u0165 o stovky eur ro\u010dne navy\u0161e. Skontrolujte si podmienky e\u0161te dnes a ak na pomoc m\u00e1te n\u00e1rok, nev\u00e1hajte. Term\u00edny s\u00fa pr\u00edsne a zme\u0161kanie \u017eiadosti sa nevypl\u00e1ca.<\/p>\n","protected":false},"excerpt":{"rendered":"Slovensk\u00e1 sporite\u013e\u0148a vracia od m\u00e1ja 2026 klientom so zdra\u017eenou hypot\u00e9kou a\u017e 150 eur mesa\u010dne. Tis\u00edce \u013eud\u00ed dostan\u00fa peniaze…\n","protected":false},"author":2,"featured_media":62365,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[64,65,66,2977,43,40,39,42,2168,41],"class_list":{"0":"post-62364","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomika","8":"tag-business","9":"tag-economic","10":"tag-ekonomika","11":"tag-hypoteka","12":"tag-sk","13":"tag-slovak","14":"tag-slovakia","15":"tag-slovencina","16":"tag-slovenska-sporitelna","17":"tag-slovensko"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116524324461794912","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/62364","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=62364"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/62364\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/62365"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=62364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=62364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=62364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}