{"id":136,"date":"2026-09-10T18:40:19","date_gmt":"2026-09-10T18:40:19","guid":{"rendered":"https:\/\/reality.drnda.eu\/?p=136"},"modified":"2026-09-10T18:40:19","modified_gmt":"2026-09-10T18:40:19","slug":"rast-urokovych-sadzieb-co-to-znamena-pre-vas-ak-o-hypoteke-prave-uvazujete","status":"publish","type":"post","link":"https:\/\/reality.drnda.eu\/?p=136","title":{"rendered":"Rast \u00farokov\u00fdch sadzieb: \u010do to znamen\u00e1 pre v\u00e1s, ak o hypot\u00e9ke pr\u00e1ve uva\u017eujete"},"content":{"rendered":"<p class=\"o3d-lead\">Hypot\u00e9ka bola e\u0161te pred p\u00e1r rokmi t\u00e9mou, pri ktorej ste si porovnali dve banky a vybrali t\u00fa s ni\u017e\u0161ou spl\u00e1tkou. Dnes \u013eudia sleduj\u00fa spr\u00e1vy o sadzb\u00e1ch, \u010d\u00edtaj\u00fa koment\u00e1re ekon\u00f3mov a odkladaj\u00fa rozhodnutia. Ak ste jedni z nich \u2014 tento \u010dl\u00e1nok je pre v\u00e1s. Bez zbyto\u010dnej te\u00f3rie, s re\u00e1lnymi \u010d\u00edslami.<\/p>\n<h2>Pre\u010do \u00farokov\u00e9 sadzby zrazu zauj\u00edmaj\u00fa aj t\u00fdch, \u010do hypot\u00e9ku nepl\u00e1novali hne\u010f<\/h2>\n<p>E\u0161te pred nieko\u013ek\u00fdmi rokmi boli hypotek\u00e1rne sadzby na historick\u00fdch minim\u00e1ch \u2014 orienta\u010dne okolo 1 % p.a. Mnoh\u00ed \u013eudia si vtedy vzali hypot\u00e9ku sk\u00f4r, ako pl\u00e1novali, lebo podmienky boli jednoducho pr\u00edli\u0161 dobr\u00e9. Potom pri\u0161iel infla\u010dn\u00fd tlak, Eur\u00f3pska centr\u00e1lna banka za\u010dala zdv\u00edha\u0165 z\u00e1kladn\u00e9 \u00farokov\u00e9 sadzby a cena pe\u0148az\u00ed pre banky nar\u00e1stla. V\u00fdsledok? Hypotek\u00e1rne sadzby sa v kr\u00e1tkom \u010dase vy\u0161plhali na \u00farove\u0148, ak\u00fa sme roky nevideli \u2014 orienta\u010dne v rozmedz\u00ed 3,5 % a\u017e 5 % p.a. a viac, pod\u013ea banky a profilu klienta.<\/p>\n<p>A pr\u00e1ve preto to za\u010dalo zauj\u00edma\u0165 aj t\u00fdch, \u010do hovorili \u201ek\u00fapim o dva roky&#8221;. Ke\u010f sadzba st\u00fapne o p\u00e1r percent, rozdiel v mesa\u010dnej spl\u00e1tke nie je zanedbate\u013en\u00fd. A to u\u017e stoj\u00ed za pozornos\u0165.<\/p>\n<h2>O ko\u013eko konkr\u00e9tne zdra\u017eie spl\u00e1tka, ke\u010f sadzba st\u00fapne o 1 %<\/h2>\n<figure class=\"o3d-figure\"><img decoding=\"async\" src=\"https:\/\/reality.drnda.eu\/wp-content\/uploads\/2026\/09\/rast-urokovych-sadzieb-co-to-znamena-pre-vas-ak-o-hypoteke-prave-uvazujete-76Htn-1024x559.webp\" alt=\"Rast \u00farokov\u00fdch sadzieb: \u010do to znamen\u00e1 pre v\u00e1s, ak o hypot\u00e9ke pr\u00e1ve uva\u017eujete\" loading=\"lazy\"><\/figure>\n<p>Hovor\u00ed sa \u013eahko, no \u010d\u00edsla to uk\u00e1\u017eu lep\u0161ie. Pozrime sa na tri be\u017en\u00e9 v\u00fd\u0161ky \u00faveru a porovnajme mesa\u010dn\u00fa spl\u00e1tku pri sadzbe 3,5 % a 4,5 % p.a. (splatnos\u0165 30 rokov, orienta\u010dn\u00e9 hodnoty):<\/p>\n<ul>\n<li><strong>\u00daver 100 000 \u20ac:<\/strong> spl\u00e1tka pri 3,5 % \u2248 449 \u20ac \/ pri 4,5 % \u2248 507 \u20ac \u2192 rozdiel cca 58 \u20ac mesa\u010dne<\/li>\n<li><strong>\u00daver 150 000 \u20ac:<\/strong> spl\u00e1tka pri 3,5 % \u2248 674 \u20ac \/ pri 4,5 % \u2248 760 \u20ac \u2192 rozdiel cca 86 \u20ac mesa\u010dne<\/li>\n<li><strong>\u00daver 200 000 \u20ac:<\/strong> spl\u00e1tka pri 3,5 % \u2248 898 \u20ac \/ pri 4,5 % \u2248 1 013 \u20ac \u2192 rozdiel cca 115 \u20ac mesa\u010dne<\/li>\n<\/ul>\n<p>Sto eur mesa\u010dne navy\u0161e znie mo\u017eno \u00fanosne. Ale za rok je to 1 200 \u20ac, za p\u00e4\u0165 rokov 6 000 \u20ac. A to je len rozdiel jedn\u00e9ho percentu\u00e1lneho bodu. Ke\u010f sa pozriete na cel\u00e9 obdobie fix\u00e1cie, pochop\u00edte, pre\u010do si \u013eudia dnes l\u00e1mu hlavu nad ka\u017edou desatinou percenta.<\/p>\n<h2>Fix\u00e1cia na 3, 5 alebo 10 rokov \u2014 \u010do dnes d\u00e1va zmysel, ke\u010f sadzby rast\u00fa<\/h2>\n<p>Fix\u00e1cia ur\u010duje, na ako dlho v\u00e1m banka \u201ezamraz\u00ed&#8221; \u00farokov\u00fa sadzbu. Po skon\u010den\u00ed fix\u00e1cie banka sadzbu prehodnot\u00ed pod\u013ea aktu\u00e1lnych trhov\u00fdch podmienok. A pr\u00e1ve tu je v prostred\u00ed rast\u00facich sadzieb k\u013e\u00fa\u010dov\u00e9 rozhodnutie.<\/p>\n<p><strong>Kr\u00e1tka fix\u00e1cia (3 roky)<\/strong> d\u00e1va zmysel vtedy, ke\u010f ver\u00edte, \u017ee sadzby \u010doskoro za\u010dn\u00fa klesa\u0165 a chcete ma\u0165 mo\u017enos\u0165 refinancova\u0165 za lep\u0161\u00edch podmienok. Riziko: ak sadzby neklesaj\u00fa tak r\u00fdchlo, ako ste d\u00fafali, refixujete drah\u0161ie.<\/p>\n<p><strong>Stredn\u00e1 fix\u00e1cia (5 rokov)<\/strong> je dnes naj\u010dastej\u0161\u00ed kompromis. V\u00e4\u010d\u0161ina \u013eud\u00ed si dok\u00e1\u017ee napl\u00e1nova\u0165 5 rokov dopredu \u2014 pracovn\u00e1 situ\u00e1cia, rodina, pr\u00edjmy. Ak sa sadzby za ten \u010das upravia nadol, m\u00f4\u017eete pri refix\u00e1cii vyjedn\u00e1va\u0165 alebo refinancova\u0165.<\/p>\n<p><strong>Dlh\u00e1 fix\u00e1cia (10 rokov)<\/strong> v\u00e1m d\u00e1va istotu a predv\u00eddate\u013en\u00fd rozpo\u010det na dek\u00e1du. Ak s\u00fa aktu\u00e1lne sadzby e\u0161te relat\u00edvne prijate\u013en\u00e9 a nechcete rie\u0161i\u0165 \u017eiadne prekvapenia, dlh\u00e1 fix\u00e1cia m\u00e1 svoje opodstatnenie. Jej nev\u00fdhodou je cena \u2014 banky si za dlh\u00fa z\u00e1ruku zvy\u010dajne p\u00fdtaj\u00fa o nie\u010do viac.<\/p>\n<div class=\"o3d-tip\"><strong>Tip:<\/strong> P\u00fdtajte sa banky nielen na sadzbu, ale aj na podmienky pred\u010dasn\u00e9ho splatenia alebo refinancovania pred koncom fix\u00e1cie. Niektor\u00e9 banky umo\u017e\u0148uj\u00fa refinancovanie bez pokuty napr\u00edklad 30 dn\u00ed pred koncom fix\u00e1cie \u2014 a to je rozdiel, ktor\u00fd v\u00e4\u010d\u0161ina \u013eud\u00ed prehliadne, k\u00fdm nie je neskoro.<\/div>\n<h2>\u010caka\u0165 na pokles sadzieb, alebo k\u00fapi\u0165 teraz?<\/h2>\n<p>Toto je ot\u00e1zka \u010d\u00edslo jedna, ktor\u00fa n\u00e1m klad\u00fa klienti. A \u00faprimn\u00e1 odpove\u010f znie: nikto nevie presne, kedy sadzby klesn\u00fa ani o ko\u013eko. Historicky po vrchole sadzieb nasledoval postupn\u00fd pokles \u2014 ale \u201epostupn\u00fd&#8221; m\u00f4\u017ee znamena\u0165 aj tri a\u017e p\u00e4\u0165 rokov.<\/p>\n<p>\u010co to teda znamen\u00e1 v praxi? K\u00fdm \u010dak\u00e1te na lacnej\u0161iu hypot\u00e9ku, nehnute\u013enosti sa neprest\u00e1vaj\u00fa pred\u00e1va\u0165. Dobre situovan\u00e9 byty v \u017diline \u2014 napr\u00edklad v Solinke, na Vl\u010dincoch alebo bl\u00edzko centra \u2014 nezost\u00e1vaj\u00fa vo\u013en\u00e9 mesiace. Ak v\u00e1m byt unikne, \u010fal\u0161\u00ed za rovnak\u00fa cenu nemus\u00ed pr\u00eds\u0165 hne\u010f.<\/p>\n<p>Na druhej strane \u2014 ak by sadzby klesli o rok o 1,5 %, pri \u00favere 180 000 \u20ac u\u0161etr\u00edte orienta\u010dne okolo 150 \u20ac mesa\u010dne. To nie je zanedbate\u013en\u00e9. Odkladanie teda nie je automaticky zl\u00e9 rozhodnutie, ale m\u00e1 svoju cenu v podobe nestability \u2014 neviete, \u010do bude s cenami bytov ani so sadzbami.<\/p>\n<p>Na\u0161a sk\u00fasenos\u0165 z praxe: \u013eudia, ktor\u00ed k\u00fapili v \u201edrah\u0161om&#8221; obdob\u00ed sadzieb, ale k\u00fapili spr\u00e1vnu nehnute\u013enos\u0165 za rozumn\u00fa cenu, v\u00e4\u010d\u0161inou ne\u013eutuj\u00fa. T\u00ed, \u010do \u010dakali a pri\u0161li o konkr\u00e9tny byt, \u013eutuj\u00fa takmer v\u017edy. T\u00e9me, \u010do ovplyv\u0148uje, na ak\u00fd byt re\u00e1lne dosiahnete, sme sa venovali aj v \u010dl\u00e1nku <a href=\"https:\/\/reality.drnda.eu\/?p=126\">Pravidl\u00e1 NBS a v\u00fd\u0161ka hypot\u00e9ky: na ak\u00fd byt v \u017diline re\u00e1lne dosiahnete?<\/a><\/p>\n<h2>Na \u010do sa banky pozr\u00fa inak, ke\u010f s\u00fa sadzby vy\u0161\u0161ie \u2014 a \u010do to znamen\u00e1 pre schva\u013eovanie<\/h2>\n<figure class=\"o3d-figure\"><img decoding=\"async\" src=\"https:\/\/reality.drnda.eu\/wp-content\/uploads\/2026\/09\/rast-urokovych-sadzieb-co-to-znamena-pre-vas-ak-o-hypoteke-prave-uvazujete-1nhZe-1024x559.webp\" alt=\"Rast \u00farokov\u00fdch sadzieb: \u010do to znamen\u00e1 pre v\u00e1s, ak o hypot\u00e9ke pr\u00e1ve uva\u017eujete\" loading=\"lazy\"><\/figure>\n<p>Vy\u0161\u0161ie sadzby neznamenaj\u00fa len vy\u0161\u0161iu spl\u00e1tku pre v\u00e1s \u2014 znamenaj\u00fa aj pr\u00edsnej\u0161ie posudzovanie zo strany banky. Pre\u010do? Preto\u017ee banka po\u010d\u00edta, \u010di v\u00e1\u0161 pr\u00edjem spl\u00e1tku unesie, a vy\u0161\u0161ia sadzba automaticky zv\u00fd\u0161i pomer va\u0161ich z\u00e1v\u00e4zkov k pr\u00edjmu (tzv. DTI \u2014 debt-to-income ratio). Jednoduch\u0161ie povedan\u00e9: rovnak\u00fd pr\u00edjem ako pred dvoma rokmi dnes nesta\u010d\u00ed na rovnako vysok\u00fd \u00faver.<\/p>\n<p>Banky v praxi testuj\u00fa aj stresov\u00fa sadzbu \u2014 teda \u010di by ste spl\u00e1tku zvl\u00e1dli aj pri sadzbe o nieko\u013eko percent vy\u0161\u0161ej, ako je t\u00e1, o ktor\u00fa \u017eiadate. Ak pr\u00edjem nie je dostato\u010dn\u00fd, banka bu\u010f zn\u00ed\u017ei v\u00fd\u0161ku \u00faveru, alebo \u017eiados\u0165 zamietne. V prostred\u00ed vysok\u00fdch sadzieb to postihuje viac \u017eiadate\u013eov ako kedyko\u013evek predt\u00fdm.<\/p>\n<p>Praktick\u00fd d\u00f4sledok: ak ste pred rokom dostali predbe\u017en\u00fd odhad od banky, nemus\u00ed plati\u0165 dnes. Oplat\u00ed sa necha\u0165 si spravi\u0165 nov\u00fd prepo\u010det.<\/p>\n<h2>Tri veci, ktor\u00e9 m\u00f4\u017eete urobi\u0165 e\u0161te pred podan\u00edm \u017eiadosti o hypot\u00e9ku<\/h2>\n<p>V prostred\u00ed rast\u00facich sadzieb je pr\u00edprava d\u00f4le\u017eitej\u0161ia ako kedyko\u013evek predt\u00fdm. Tu s\u00fa tri konkr\u00e9tne kroky, ktor\u00e9 m\u00e1 zmysel spravi\u0165 e\u0161te pred n\u00e1v\u0161tevou banky:<\/p>\n<ul>\n<li><strong>Vytvorte si vlastn\u00fa finan\u010dn\u00fa rezervu.<\/strong> Banky dnes sleduj\u00fa nielen pr\u00edjem, ale aj to, \u010di m\u00e1te \u00faspory nad r\u00e1mec vlastn\u00fdch zdrojov na k\u00fapu. Rezerva 3\u20136 mesa\u010dn\u00fdch v\u00fddavkov v\u00e1m zv\u00fd\u0161i d\u00f4veryhodnos\u0165 v o\u010diach banky a z\u00e1rove\u0148 v\u00e1s ochr\u00e1ni, ak spl\u00e1tka ne\u010dakane za\u0165a\u017e\u00ed rozpo\u010det.<\/li>\n<li><strong>Po\u017eiadajte o predschv\u00e1lenie hypot\u00e9ky.<\/strong> Predschv\u00e1lenie (niekedy naz\u00fdvan\u00e9 aj hypotek\u00e1rny pr\u00eds\u013eub) v\u00e1m uk\u00e1\u017ee, s akou sumou re\u00e1lne m\u00f4\u017eete po\u010d\u00edta\u0165. Pred\u00e1vaj\u00faci ber\u00fa v\u00e1\u017enej\u0161ie kupuj\u00faceho, ktor\u00fd m\u00e1 v ruke papier od banky, nie len z\u00e1ujem.<\/li>\n<li><strong>Zv\u00e1\u017ete typ nehnute\u013enosti z poh\u013eadu LTV.<\/strong> LTV (loan-to-value) je pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti. \u010c\u00edm ni\u017e\u0161ie LTV, t\u00fdm lep\u0161ie podmienky banka pon\u00fakne. Ak kupujete byt v dobrej lokalite s re\u00e1lnou trhovou hodnotou, banka ho ohodnot\u00ed dobre \u2014 a to v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 vyjedna\u0165 lep\u0161iu sadzbu.<\/li>\n<\/ul>\n<div class=\"o3d-cta\">\n<p>Ak neviete, kde za\u010da\u0165 \u2014 radi sa s vami pozrieme na va\u0161u konkr\u00e9tnu situ\u00e1ciu. Porad\u00edme v\u00e1m, ak\u00fd typ nehnute\u013enosti m\u00e1 zmysel h\u013eada\u0165 pri va\u0161om rozpo\u010dte, a odpor\u00fa\u010dame spolupracovn\u00edkov medzi hypotek\u00e1rnymi poradcami, ktor\u00fdm d\u00f4verujeme z praxe.<\/p>\n<p>  <a class=\"o3d-cta-btn\" href=\"https:\/\/reality.drnda.eu\/?product=eco-laptop-backpack\">Nap\u00ed\u0161te n\u00e1m<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Sadzby rast\u00fa a vy neviete, \u010di po\u010dka\u0165, alebo kona\u0165. Vysvetl\u00edme v\u00e1m na \u010d\u00edslach, \u010do zmena o 1 % re\u00e1lne sprav\u00ed s va\u0161\u00edm mesa\u010dn\u00fdm rozpo\u010dtom a ako sa na hypot\u00e9ku pripravi\u0165 e\u0161te pred podan\u00edm \u017eiadosti.<\/p>\n","protected":false},"author":1,"featured_media":138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts\/136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=136"}],"version-history":[{"count":1,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts\/136\/revisions"}],"predecessor-version":[{"id":141,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts\/136\/revisions\/141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/media\/138"}],"wp:attachment":[{"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}