[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nyxart.sk\/hypoteka-od-zakladov\/#Article","mainEntityOfPage":"https:\/\/www.nyxart.sk\/hypoteka-od-zakladov\/","headline":"Hypot\u00e9ka od z\u00e1kladov","name":"Hypot\u00e9ka od z\u00e1kladov","description":"Ke\u010f si to zhrnieme, mlad\u00ed \u013eudia \u010dastokr\u00e1t skon\u010dia vysok\u00fa \u0161kolu v 26. roku svojho \u017eivota. Dovtedy prakticky nemaj\u00fa \u017eiadny z\u00e1robok<a href=\"https:\/\/www.nyxart.sk\/hypoteka-od-zakladov\/\" class=\"read-more\">Read More<i class=\"fa fa-long-arrow-right\" aria-hidden=\"true\"><\/i><\/a>","datePublished":"2023-11-29","dateModified":"2023-11-29","author":{"@type":"Person","@id":"https:\/\/www.nyxart.sk\/author\/#Person","name":"","url":"https:\/\/www.nyxart.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nyxart.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nyxart.sk\/wp-content\/uploads\/house-5902664_1280_1.jpg","url":"https:\/\/www.nyxart.sk\/wp-content\/uploads\/house-5902664_1280_1.jpg","height":0,"width":0},"url":"https:\/\/www.nyxart.sk\/hypoteka-od-zakladov\/","about":["Ekonomika"],"wordCount":383,"articleBody":"Ke\u010f si to zhrnieme, mlad\u00ed \u013eudia \u010dastokr\u00e1t skon\u010dia vysok\u00fa \u0161kolu v 26. roku svojho \u017eivota. Dovtedy prakticky nemaj\u00fa \u017eiadny z\u00e1robok alebo iba mal\u00fd pr\u00edjem z ved\u013eaj\u0161\u00edch brig\u00e1d. Tak\u00fdto \u0161tandardn\u00fd \u0161tudent za\u010dne v najlep\u0161om pr\u00edpade ihne\u010f po vysokej \u0161kole pracova\u0165 a po roku sa dostane na stabiln\u00fd pr\u00edjem, ktor\u00fd mu umo\u017en\u00ed zabezpe\u010di\u0165 si vlastn\u00e9 b\u00fdvanie. Pri dne\u0161n\u00fdch cen\u00e1ch a platoch je takmer nemo\u017en\u00e9 za rok \u010di dva na\u0161etri\u0165 financie na vlastn\u00fa nehnute\u013enos\u0165. Mnoho \u013eud\u00ed si preto mus\u00ed peniaze na svoje b\u00fdvanie po\u017ei\u010da\u0165 od banky v podobe hypot\u00e9ky.\u00a0\u00a0V\u00fdhodou je, \u017ee hypot\u00e9ky s\u00fa pre pracuj\u00facich \u013eud\u00ed celkovo dostupn\u00e9. Men\u0161\u00ed probl\u00e9m maj\u00fa sk\u00f4r \u017eivnostn\u00edci, ktor\u00ed preuk\u00e1\u017eu ni\u017e\u0161ie \u010diastky pr\u00edjmu, ako re\u00e1lne zar\u00e1baj\u00fa a m\u00f4\u017eu ma\u0165 pri celkovej \u017eiadanej sume hypot\u00e9ky men\u0161ie probl\u00e9my. \u010co to znamen\u00e1? V\u00fd\u0161ka hypot\u00e9ky, ktor\u00fa jednotlivec m\u00f4\u017ee dosta\u0165 je osemn\u00e1sobok \u010distej ro\u010dnej mzdy. Preto, ak ako zamestnanec zarob\u00edte mesa\u010dne v \u010distom 1000 \u20ac, ro\u010dne to predstavuje z\u00e1robok 12 000 \u20ac. Osemn\u00e1sobok tejto va\u0161ej hodnoty je hodnota hypot\u00e9ky, ktor\u00fa v\u00e1m po\u017ei\u010daj\u00fa na va\u0161e b\u00fdvanie, aby ste boli schopn\u00fd hypot\u00e9ku riadne spl\u00e1ca\u0165. \u00a0\u00a0V pr\u00edpade \u017eivnostn\u00edkov v\u0161ak \u010dastokr\u00e1t ide o manipulovanie s pr\u00edjmami a mnoho \u017eivnostn\u00edkov \u010di podnikate\u013eov prizn\u00e1va ove\u013ea men\u0161ie pr\u00edjmy ako v re\u00e1li zarob\u00ed. Je to najm\u00e4 z d\u00f4vodu, \u017ee chc\u00fa plati\u0165 \u010do najni\u017e\u0161ie odvody a dane. No v pr\u00edpadoch ako branie hypot\u00e9ky, matersk\u00e1 dovolenka \u010di d\u00f4chodok a mar\u00f3dka sa tieto zn\u00ed\u017een\u00e9 pr\u00edjmy ve\u013emi \u010dasto uk\u00e1\u017eu ako negat\u00edvny vplyv. \u017divnostn\u00edci a podnikatelia tak \u010dastokr\u00e1t pr\u00eddu o mo\u017enos\u0165 z\u00edska\u0165 vysok\u00fa hypot\u00e9ku. Preto sa ve\u013emi \u010dasto st\u00e1va, \u017ee \u017eivnostn\u00edci a podnikatelia nedostan\u00fa cel\u00fa sumu hypot\u00e9ky, ktor\u00fa na k\u00fapu domu \u010di bytu potrebuj\u00fa. Samozrejme s\u00fa aj \u010fal\u0161ie mo\u017enosti, kde si m\u00f4\u017eete na nehnute\u013enos\u0165 po\u017ei\u010da\u0165, no mus\u00edte po\u010d\u00edta\u0165 s ove\u013ea vy\u0161\u0161\u00edm \u00farokom a\u00a0takisto idete do v\u00e4\u010d\u0161ieho rizika.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (20 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka od z\u00e1kladov","item":"https:\/\/www.nyxart.sk\/hypoteka-od-zakladov\/#breadcrumbitem"}]}]