[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sapkn.sk\/hypoteka-alebo-uver-viete-aky-je-medzi-nimi-rozdiel\/#Article","mainEntityOfPage":"https:\/\/www.sapkn.sk\/hypoteka-alebo-uver-viete-aky-je-medzi-nimi-rozdiel\/","headline":"Hypot\u00e9ka alebo \u00faver. Viete ak\u00fd je medzi nimi rozdiel?","name":"Hypot\u00e9ka alebo \u00faver. Viete ak\u00fd je medzi nimi rozdiel?","description":"S t\u00fdmto dvoma pojmami, teda hypot\u00e9ka a \u00faver, sa pravdepodobne stret\u00e1vate pomerne \u010dasto. Viete v\u0161ak, ak\u00fd je v nich rozdiel? Hypot\u00e9ka Pri oboch typoch p\u00f4\u017ei\u010dky, mus\u00edte banke dokladova\u0165, \u017ee ju ","datePublished":"2019-01-28","dateModified":"2019-01-28","author":{"@type":"Person","@id":"https:\/\/www.sapkn.sk\/author\/#Person","name":"","url":"https:\/\/www.sapkn.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sapkn.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sapkn.sk\/wp-content\/uploads\/img_a298752_w16618_t1553770171.jpg","url":"https:\/\/www.sapkn.sk\/wp-content\/uploads\/img_a298752_w16618_t1553770171.jpg","height":0,"width":0},"url":"https:\/\/www.sapkn.sk\/hypoteka-alebo-uver-viete-aky-je-medzi-nimi-rozdiel\/","wordCount":393,"articleBody":"S t\u00fdmto dvoma pojmami, teda hypot\u00e9ka a \u00faver, sa pravdepodobne stret\u00e1vate pomerne \u010dasto. Viete v\u0161ak, ak\u00fd je v nich rozdiel?  Hypot\u00e9ka  Pri oboch typoch p\u00f4\u017ei\u010dky, mus\u00edte banke dokladova\u0165, \u017ee ju budete schopn\u00ed spl\u00e1ca\u0165. To je aj prv\u00fd v\u00fdrazn\u00fd rozdiel. Pri hypot\u00e9ke zaklad\u00e1te nehnute\u013enos\u0165. \u0147ou v podstate ru\u010d\u00edte. Ak by ste teda neboli schopn\u00ed spl\u00e1ca\u0165 spl\u00e1tky, exek\u00faciou by ste nemali pr\u00eds\u0165 o ni\u010d in\u00e9 ako o t\u00fato nehnute\u013enos\u0165. Hypot\u00e9ky sa preto vyu\u017e\u00edvaj\u00fa hlavne vtedy, ke\u010f si chcete zabezpe\u010di\u0165 vlastn\u00e9 b\u00fdvanie. Ich v\u00fdhodou je, \u017ee s\u00fa spravidla poskytovan\u00e9 na dlh\u0161iu dobu a aj \u00farokov\u00e1 sadzba je ni\u017e\u0161ia. Vo v\u00e4\u010d\u0161ine pr\u00edpadov sa pohybuje okolo troch a\u017e tri a pol percenta. Hypot\u00e9ky s\u00fa v s\u00fa\u010dasnosti v\u00fdhodn\u00e9 hlavne pre mlad\u00fdch \u013eud\u00ed. Po splnen\u00ed niektor\u00fdch podmienok, toti\u017e \u0161t\u00e1t na tento typ p\u00f4\u017ei\u010dky m\u00f4\u017ee prispie\u0165 sumou do v\u00fd\u0161ky troch percent.   Spotrebn\u00fd \u00faver  Pri spotrebnom \u00favere je doma spl\u00e1cania nepomerne krat\u0161ia. Vo v\u00e4\u010d\u0161ine pr\u00edpadov sa tento typ p\u00f4\u017ei\u010dky poskytuje maxim\u00e1lne na dobu desiatich rokov, \u010dastej\u0161ie je to ale omnoho krat\u0161ie obdobie. V tomto pr\u00edpade b\u00fdvaj\u00fa \u00faroky vy\u0161\u0161ie ako aj v\u00fd\u0161ka mesa\u010dnej spl\u00e1tky. Tak\u017ee ak peniaze chcete vyu\u017ei\u0165 vyslovene na k\u00fapu bytu, domu, alebo pozemku, siahnite sk\u00f4r po hypot\u00e9ke Aj pri spotrebnom \u00favere mus\u00edte banke dolo\u017ei\u0165 \u201epapier\u201c o tom, \u017ee peniaze budete schopn\u00ed spl\u00e1ca\u0165. Na rozdiel od hypot\u00e9ky, mus\u00edte predlo\u017ei\u0165 pracovn\u00fa zmluvu na trval\u00fd pracovn\u00fd pomer, uzavret\u00fd ide\u00e1lne na dobu neur\u010dit\u00fa. Taktie\u017e mus\u00edte dokladova\u0165 v\u00fd\u0161ku v\u00e1\u0161ho pr\u00edjmu. V pr\u00edpade \u017eivnostn\u00edkov, svoj pr\u00edjem preuk\u00e1\u017eete minuloro\u010dn\u00fdm da\u0148ov\u00fdm priznan\u00edm. Spotrebn\u00fd \u00faver m\u00f4\u017eete min\u00fa\u0165 na \u010doko\u013evek  Spotrebn\u00fd \u00faver m\u00f4\u017eete min\u00fa\u0165 pod\u013ea toho, na \u010do peniaze potrebujete. Tak\u00fdto produkt banky zvykn\u00fa ozna\u010dova\u0165 ako \u201e\u00faver na \u010doko\u013evek\u201c. V pr\u00edpade, \u017ee sa napr\u00edklad chyst\u00e1te rekon\u0161truova\u0165 byt, \u010di dom, m\u00f4\u017eete siahnu\u0165 aj po stavebnom sporen\u00ed, alebo type p\u00f4\u017ei\u010dky, ktor\u00e1 je ur\u010den\u00fd len na pr\u00e1ce, popr\u00edpade materi\u00e1l spojen\u00fd s rekon\u0161trukciou.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka alebo \u00faver. Viete ak\u00fd je medzi nimi rozdiel?","item":"https:\/\/www.sapkn.sk\/hypoteka-alebo-uver-viete-aky-je-medzi-nimi-rozdiel\/#breadcrumbitem"}]}]