[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pame.sk\/riesenie-bytovej-otazky-mladymi-ludmi\/#Article","mainEntityOfPage":"https:\/\/www.pame.sk\/riesenie-bytovej-otazky-mladymi-ludmi\/","headline":"Rie\u0161enie bytovej ot\u00e1zky mlad\u00fdmi \u013eu\u010fmi","name":"Rie\u0161enie bytovej ot\u00e1zky mlad\u00fdmi \u013eu\u010fmi","description":"V dne\u0161nej dobe sa chce ka\u017ed\u00fd mlad\u00fd \u010dlovek osamostatni\u0165 od svojich rodi\u010dov, no nem\u00e1 \u013eahk\u00fa \u00falohu. M\u00e1 nieko\u013eko mo\u017enost\u00ed a my sa pozrieme pr\u00e1ve na … ","datePublished":"2017-05-28","dateModified":"2017-05-28","author":{"@type":"Person","@id":"https:\/\/www.pame.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.pame.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pame.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pame.sk\/wp-content\/uploads\/img_a281824_w2025_t1501267150.jpg","url":"https:\/\/www.pame.sk\/wp-content\/uploads\/img_a281824_w2025_t1501267150.jpg","height":0,"width":0},"url":"https:\/\/www.pame.sk\/riesenie-bytovej-otazky-mladymi-ludmi\/","wordCount":528,"articleBody":"V dne\u0161nej dobe sa chce ka\u017ed\u00fd mlad\u00fd \u010dlovek osamostatni\u0165 od svojich rodi\u010dov, no nem\u00e1 \u013eahk\u00fa \u00falohu. M\u00e1 nieko\u013eko mo\u017enost\u00ed a my sa pozrieme pr\u00e1ve na tie naj\u010dastej\u0161ie, a to je rie\u0161enie b\u00fdvania prostredn\u00edctvom podn\u00e1jmu a hypot\u00e9ky (a n\u00e1slednej k\u00fapy danej nehnute\u013enosti).Podn\u00e1jom alebo hypot\u00e9ka ? \u00b7 Podn\u00e1jomje rie\u0161enie, kedy sa mlad\u00fd \u010dlovek rozhodne n\u00e1js\u0165 si ubytovanie (s partnerom \u010di kamar\u00e1tmi) v bl\u00edzkosti jeho\/ich miesta v\u00fdkonu pracovnej \u010dinnosti prostredn\u00edctvom mesa\u010dn\u00fdch spl\u00e1tok majite\u013eovi nehnute\u013enosti. Tieto mesa\u010dn\u00e9 \u010diastky sa l\u00ed\u0161ia od miesta a kvality ubytovania. Typick\u00fd pr\u00edklad podn\u00e1jmu bytu v \u017diline – (2-izbov\u00fd byt priamo v centre mesta) s rozlohou 52m2 a mesa\u010dnou spl\u00e1tkou 350 \u20ac, a tie\u017e mesa\u010dn\u00e9 spl\u00e1tka za energie 125 \u20ac. \u00b7 Hypot\u00e9kaje rie\u0161enie, kedy mlad\u00fd \u010dlovek po\u017eiada banku o peniaze na odk\u00fapenie nehnute\u013enosti s\u00e1m alebo spolo\u010dne s partnerom, taktie\u017e v bl\u00edzkosti v\u00fdkonu pracovnej \u010dinnosti. Pr\u00edkladom takejto nehnute\u013enosti je napr. \u017dilina (2-izbov\u00fd byt priamo v centre mesta) s rozlohou 56m2 a cenou 78 000 \u20ac. Na to, aby bola banka ochotn\u00e1 po\u017ei\u010da\u0165 mlad\u00e9mu \u010dloveku peniaze mus\u00ed splni\u0165 nieko\u013eko krit\u00e9ri\u00ed, kde mu aj pri splnen\u00ed v\u0161etk\u00fdch po\u017eiadaviek banka m\u00f4\u017ee po\u017ei\u010da\u0165 len ur\u010dit\u00e9 percento z ceny nehnute\u013enosti tzv. LTV (70-90% vo v\u00fdnimo\u010dn\u00fdch pr\u00edpadoch 100%). To znamen\u00e1, \u017ee si mlad\u00fd \u010dlovek od baky po\u017ei\u010dia to\u013eko, ko\u013eko je mu ochotn\u00e1 da\u0165, pod\u013ea u\u017e spom\u00ednan\u00e9ho LTV, a teda povedzme, \u017ee ide o 80% (62 400 \u20ac) z celkovej sumy 78 000 \u20ac a zbytok pe\u0148az\u00ed si mus\u00ed zaobstara\u0165 na\u0161etren\u00fdmi peniazmi (15 600 \u20ac) alebo \u00faverom, ktor\u00fd v\u0161ak nesie \u010fal\u0161ie \u00faroky (o dos\u0165 vy\u0161\u0161ie, ako hypot\u00e9ka pre mlad\u00fdch). Tak v kone\u010dnom d\u00f4sledku bude mesa\u010dn\u00e1 spl\u00e1tka tejto nehnute\u013enosti 310 \u20ac (hypot\u00e9ka) + 120 \u20ac (\u00faver) + 125 \u20ac (energie). A to nehovoriac o preplaten\u00ed \u00faveru a hypot\u00e9ky. A teda m\u00e1me pred sebou dve varianty, kde v prvom pr\u00edpade sa podn\u00e1jom vy\u0161plh\u00e1 na mesa\u010dn\u00fa \u010diastku 475 \u20ac a nikdy sa nehnute\u013enos\u0165 nestane va\u0161ou, no pri podpise zmluvy sa d\u00e1 b\u00fdva\u0165 aj v jednom podn\u00e1jme, napr\u00edklad 20 rokov a v druhom pr\u00edpade (hypot\u00e9ka v kombin\u00e1ci\u00ed s \u00faverom) sa mesa\u010dn\u00e1 \u010diastka vy\u0161plh\u00e1 na 555 \u20ac a po dobu spl\u00e1cania spl\u00e1tok sa nebudete ma\u0165 \u010doho b\u00e1\u0165. Ka\u017edop\u00e1dne, a\u017e po dobu nesplatenia celkovej \u010diastky nehnute\u013enos\u0165 patr\u00ed banke a m\u00f4\u017ee v\u00e1s aj po 10 rokoch o nehnute\u013enos\u0165 pripravi\u0165, ak neplat\u00edte spl\u00e1tky. Navy\u0161e po 20 rokoch preplat\u00edte nieko\u013eko tis\u00edc eur z \u00farokov plyn\u00facich s hypot\u00e9ky a \u00faveru. Pre\u010do teda plati\u0165 banke a ma\u0165 tak pocit, \u017ee V\u00e1m nehnute\u013enos\u0165 patr\u00ed, ke\u010f existuje mo\u017enos\u0165 podn\u00e1jmu a mo\u017enos\u0165 \u0161etrenia si popri b\u00fdvan\u00ed v podn\u00e1jme na nie\u010do vlastn\u00e9, bez nutnosti platenia \u00farokov banke. Va\u0161e rozhodnutie je v\u0161ak na v\u00e1s. Ka\u017edop\u00e1dne sa oplat\u00ed nad danou vecou poprem\u00fd\u0161\u013ea\u0165.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rie\u0161enie bytovej ot\u00e1zky mlad\u00fdmi \u013eu\u010fmi","item":"https:\/\/www.pame.sk\/riesenie-bytovej-otazky-mladymi-ludmi\/#breadcrumbitem"}]}]