{"id":172,"date":"2026-09-10T18:52:02","date_gmt":"2026-09-10T18:52:02","guid":{"rendered":"https:\/\/reality.drnda.eu\/?p=172"},"modified":"2026-09-10T18:52:45","modified_gmt":"2026-09-10T18:52:45","slug":"hypoteky-pre-mladych-od-roku-2027-co-sa-zmeni-a-ako-z-toho-vytazit-maximum","status":"publish","type":"post","link":"https:\/\/reality.drnda.eu\/?p=172","title":{"rendered":"Hypot\u00e9ky pre mlad\u00fdch od roku 2027: \u010do sa zmen\u00ed a ako z toho vy\u0165a\u017ei\u0165 maximum"},"content":{"rendered":"<p class=\"o3d-lead\">\u0160t\u00e1t chyst\u00e1 od roku 2027 v\u00fdraznej\u0161iu podporu pre mlad\u00fdch \u013eud\u00ed, ktor\u00ed si chc\u00fa k\u00fapi\u0165 prv\u00e9 vlastn\u00e9 b\u00fdvanie. Ni\u017e\u0161ie \u00faroky, vy\u0161\u0161\u00ed \u0161t\u00e1tny pr\u00edspevok a uvo\u013enen\u00e9 podmienky LTV \u2014 na papieri to znie dobre. Ale \u010do to znamen\u00e1 pre konkr\u00e9tneho \u010dloveka, ktor\u00fd uva\u017euje o byte v \u017diline? To v\u00e1m rozlo\u017e\u00edme na po\u010dkanie.<\/p>\n<h2>\u010co sa od roku 2027 konkr\u00e9tne men\u00ed \u2014 nie v te\u00f3rii, ale v \u010d\u00edslach<\/h2>\n<p>Pripravovan\u00e9 zmeny s\u00fa reakciou na dlhodobo s\u0165a\u017een\u00fa dostupnos\u0165 b\u00fdvania pre mlad\u00e9 rodiny a jednotlivcov. Pod\u013ea n\u00e1vrhov, ktor\u00e9 s\u00fa moment\u00e1lne v legislat\u00edvnom procese, by malo pr\u00eds\u0165 k nieko\u013ek\u00fdm k\u013e\u00fa\u010dov\u00fdm posunom \u2014 hovor\u00edme o orienta\u010dn\u00fdch parametroch, ktor\u00e9 sa do fin\u00e1lneho schv\u00e1lenia m\u00f4\u017eu e\u0161te upravi\u0165.<\/p>\n<ul>\n<li><strong>Vek:<\/strong> Zv\u00fdhodnenie by malo by\u0165 dostupn\u00e9 pre kupuj\u00facich do 35 rokov, v niektor\u00fdch pr\u00edpadoch aj do 40 rokov pri prvej nehnute\u013enosti.<\/li>\n<li><strong>LTV (loan-to-value):<\/strong> Teda pomer v\u00fd\u0161ky \u00faveru k hodnote nehnute\u013enosti \u2014 pre mlad\u00fdch by mohol by\u0165 povolen\u00fd vy\u0161\u0161\u00ed, orienta\u010dne a\u017e 90 %, \u010do znamen\u00e1, \u017ee sta\u010d\u00ed naspori\u0165 menej vlastn\u00fdch zdrojov.<\/li>\n<li><strong>\u0160t\u00e1tny pr\u00edspevok:<\/strong> Uva\u017euje sa o priamom pr\u00edspevku alebo dot\u00e1cii na \u00farok, ktor\u00e1 by zn\u00ed\u017eila efekt\u00edvnu sadzbu napr\u00edklad o 1 a\u017e 1,5 percentu\u00e1lneho bodu oproti be\u017enej trhovej hypot\u00e9ke.<\/li>\n<li><strong>\u00darokov\u00e1 sadzba:<\/strong> Ak by trhov\u00e1 sadzba bola napr. 4,0 % p. a., mlad\u00fd kupuj\u00faci by v\u010faka pr\u00edspevku platil efekt\u00edvne napr. 2,5 \u2013 3,0 % p. a. \u2014 orienta\u010dne, pod\u013ea fin\u00e1lnej podoby z\u00e1kona.<\/li>\n<\/ul>\n<p>D\u00f4le\u017eit\u00e9 upozornenie: tieto \u010d\u00edsla s\u00fa orienta\u010dn\u00e9 a vych\u00e1dzaj\u00fa z dostupn\u00fdch n\u00e1vrhov. Kone\u010dn\u00e1 podoba podmienok z\u00e1vis\u00ed od schv\u00e1lenia legislat\u00edvy. Pred podpisom akejko\u013evek zmluvy si v\u017edy overte aktu\u00e1lny stav priamo v banke alebo u n\u00e1s.<\/p>\n<h2>Pre koho presne s\u00fa tieto v\u00fdhody ur\u010den\u00e9 \u2014 a kde s\u00fa hranice<\/h2>\n<figure class=\"o3d-figure\"><img decoding=\"async\" src=\"https:\/\/reality.drnda.eu\/wp-content\/uploads\/2026\/09\/hypoteky-pre-mladych-od-roku-2027-co-sa-zmeni-a-ako-z-toho-vytazit-maximum-nQQQM-1024x559.webp\" alt=\"Hypot\u00e9ky pre mlad\u00fdch od roku 2027: \u010do sa zmen\u00ed a ako z toho vy\u0165a\u017ei\u0165 maximum\" loading=\"lazy\"><\/figure>\n<p>Nie ka\u017ed\u00fd mlad\u00fd \u010dlovek automaticky z\u00edska lep\u0161ie podmienky. Zmeny s\u00fa cielen\u00e9 a krit\u00e9ri\u00e1 bud\u00fa pravdepodobne zah\u0155\u0148a\u0165 viacero podmienok naraz.<\/p>\n<ul>\n<li><strong>Vek:<\/strong> Predpokladan\u00e1 hranica do 35 rokov ku d\u0148u podania \u017eiadosti. Pri p\u00e1re plat\u00ed vek oboch \u017eiadate\u013eov \u2014 niektor\u00e9 n\u00e1vrhy pracuj\u00fa s t\u00fdm, \u017ee sta\u010d\u00ed, ak podmienku sp\u013a\u0148a aspo\u0148 jeden z dvojice.<\/li>\n<li><strong>Prv\u00e1 nehnute\u013enos\u0165:<\/strong> Zv\u00fdhodnenie by malo by\u0165 viazan\u00e9 na k\u00fapu prv\u00e9ho vlastn\u00e9ho b\u00fdvania \u2014 ak u\u017e vlastn\u00edte byt alebo dom, pravdepodobne na pr\u00edspevok nedosiahnete.<\/li>\n<li><strong>Pr\u00edjem:<\/strong> Pravdepodobne bude zaveden\u00fd pr\u00edjmov\u00fd strop \u2014 bu\u010f absol\u00fatny, alebo vo forme maxim\u00e1lneho pomeru spl\u00e1tky k \u010dist\u00e9mu pr\u00edjmu. Presn\u00e9 \u010d\u00edsla sa e\u0161te upres\u0148uj\u00fa.<\/li>\n<li><strong>Typ nehnute\u013enosti:<\/strong> V\u00e4\u010d\u0161ina n\u00e1vrhov hovor\u00ed o bytoch a rodinn\u00fdch domoch ur\u010den\u00fdch na trval\u00e9 b\u00fdvanie \u2014 nie na invest\u00edciu ani pren\u00e1jom.<\/li>\n<\/ul>\n<p>Ak ste napr\u00edklad 33-ro\u010dn\u00fd, k\u00fapili ste si pred piatimi rokmi garsonku a teraz chcete v\u00e4\u010d\u0161\u00ed byt pre rodinu, toto zv\u00fdhodnenie sa v\u00e1s zrejme net\u00fdka. Naopak, 28-ro\u010dn\u00fd p\u00e1r, ktor\u00fd e\u0161te ni\u010d nevlastn\u00ed a h\u013ead\u00e1 prv\u00fd spolo\u010dn\u00fd domov, je presne cie\u013eov\u00e1 skupina, pre ktor\u00fa s\u00fa zmeny navrhnut\u00e9.<\/p>\n<h2>O ko\u013eko si mlad\u00fd kupuj\u00faci re\u00e1lne polep\u0161\u00ed \u2014 porovnanie spl\u00e1tky pred zmenou a po nej<\/h2>\n<p>Pozrime sa na konkr\u00e9tny pr\u00edklad. Byt v \u017diline \u2014 povedzme 2-izbov\u00fd, orienta\u010dne 75 000 a\u017e 90 000 \u20ac pod\u013ea lokality a stavu. Po\u010d\u00edtajme so sumou 80 000 \u20ac, vlastn\u00e9 zdroje 10 % (8 000 \u20ac), teda hypot\u00e9ka 72 000 \u20ac, splatnos\u0165 30 rokov.<\/p>\n<ul>\n<li><strong>Be\u017en\u00e1 hypot\u00e9ka (napr. 4,0 % p. a.):<\/strong> Mesa\u010dn\u00e1 spl\u00e1tka orienta\u010dne cca 344 \u20ac<\/li>\n<li><strong>Zv\u00fdhodnen\u00e1 hypot\u00e9ka pre mlad\u00fdch (napr. 2,5 % p. a. po odpo\u010d\u00edtan\u00ed \u0161t\u00e1tneho pr\u00edspevku):<\/strong> Mesa\u010dn\u00e1 spl\u00e1tka orienta\u010dne cca 284 \u20ac<\/li>\n<\/ul>\n<p>Rozdiel asi 60 \u20ac mesa\u010dne neznie dramaticky, ale za rok je to 720 \u20ac, za 10 rokov vy\u0161e 7 000 \u20ac. A to hovor\u00edme len o rozdiele v spl\u00e1tke \u2014 ak pr\u00edspevok pokr\u00fdva aj \u010das\u0165 istiny, \u00faspora m\u00f4\u017ee by\u0165 e\u0161te vy\u0161\u0161ia. Tieto \u010d\u00edsla s\u00fa ilustrat\u00edvne a skuto\u010dn\u00e1 spl\u00e1tka z\u00e1vis\u00ed od podmienok konkr\u00e9tnej banky a fin\u00e1lneho znenia z\u00e1kona.<\/p>\n<div class=\"o3d-tip\"><strong>Tip:<\/strong> Ak uva\u017eujete o byte v \u017diline, odpor\u00fa\u010dame porovna\u0165 nielen mesa\u010dn\u00fa spl\u00e1tku, ale aj celkov\u00e9 n\u00e1klady na \u00faver (RPMN \u2014 ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov). T\u00e1 zah\u0155\u0148a aj poplatky, poistenie a in\u00e9 polo\u017eky, tak\u017ee lep\u0161ie uk\u00e1\u017ee skuto\u010dn\u00fa cenu hypot\u00e9ky. Viac o tom, ako \u010d\u00edta\u0165 ponuky b\u00e1nk, v\u00e1m radi vysvetl\u00edme osobne.<\/div>\n<p>Ak chcete pochopi\u0165, ako v\u00fd\u0161ka sadzby ovplyv\u0148uje va\u0161u spl\u00e1tku dlhodobo, odpor\u00fa\u010dame pre\u010d\u00edta\u0165 n\u00e1\u0161 \u010dl\u00e1nok <a href=\"https:\/\/reality.drnda.eu\/?p=136\">Rast \u00farokov\u00fdch sadzieb: \u010do to znamen\u00e1 pre v\u00e1s, ak o hypot\u00e9ke pr\u00e1ve uva\u017eujete<\/a>.<\/p>\n<h2>\u010co treba stihn\u00fa\u0165 alebo pripravi\u0165 e\u0161te pred rokom 2027<\/h2>\n<p>Rok 2027 sa m\u00f4\u017ee zda\u0165 \u010faleko, ale pri hypot\u00e9kach sa veci nerozh\u00fdbu zo d\u0148a na de\u0148. Ak chcete zmenu skuto\u010dne vyu\u017ei\u0165, pr\u00edprava by mala za\u010da\u0165 teraz.<\/p>\n<ul>\n<li><strong>Spori\u0165 na vlastn\u00e9 zdroje:<\/strong> Aj ke\u010f LTV bude priaznivej\u0161ie, banky st\u00e1le vy\u017eaduj\u00fa nejak\u00fa z\u00e1lohu. \u010c\u00edm viac m\u00e1te nasporen\u00e9ho, t\u00fdm lep\u0161ie podmienky si m\u00f4\u017eete vyjedna\u0165.<\/li>\n<li><strong>Vy\u010disti\u0165 \u00faverov\u00fa hist\u00f3riu:<\/strong> Skontrolujte si \u00faverov\u00fd register. Ak m\u00e1te nesplaten\u00e9 p\u00f4\u017ei\u010dky, kontokorent alebo kreditn\u00fa kartu s vysok\u00fdm limitom, m\u00f4\u017eu zn\u00ed\u017ei\u0165 va\u0161u bonitu \u2014 teda to, ko\u013eko v\u00e1m banka je ochotn\u00e1 po\u017ei\u010da\u0165.<\/li>\n<li><strong>Sledova\u0165 legislat\u00edvny v\u00fdvoj:<\/strong> Podmienky sa m\u00f4\u017eu do roku 2027 e\u0161te meni\u0165. Odpor\u00fa\u010dame sledova\u0165 aktu\u00e1lne spr\u00e1vy alebo sa priamo sp\u00fdta\u0165 n\u00e1s \u2014 inform\u00e1cie priebe\u017ene sledujeme za v\u00e1s.<\/li>\n<li><strong>Za\u010da\u0165 h\u013eada\u0165 nehnute\u013enos\u0165 vopred:<\/strong> Dobr\u00fd byt v \u017diline sa nepred\u00e1va dlho. Ak viete, \u010do h\u013ead\u00e1te, m\u00f4\u017eete reagova\u0165 r\u00fdchlo, ke\u010f nov\u00e9 podmienky vst\u00fapia do platnosti.<\/li>\n<\/ul>\n<p>Z na\u0161ej praxe vieme, \u017ee naj\u010dastej\u0161\u00ed probl\u00e9m nie je samotn\u00e1 hypot\u00e9ka, ale nedostato\u010dn\u00e1 pr\u00edprava \u2014 ch\u00fdba p\u00e1r tis\u00edc eur na z\u00e1lohu alebo je v registri star\u00e1 poh\u013ead\u00e1vka, o ktorej kupuj\u00faci ani nevedel. Tieto veci sa daj\u00fa vyrie\u0161i\u0165, ale treba \u010das.<\/p>\n<p>Ak chcete vedie\u0165, na ak\u00fa v\u00fd\u0161ku hypot\u00e9ky v \u017diline re\u00e1lne dosiahnete pod\u013ea pravidiel NBS, pre\u010d\u00edtajte si <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>Kde zmena nepom\u00f4\u017ee \u2014 limity, ktor\u00e9 treba pozna\u0165<\/h2>\n<figure class=\"o3d-figure\"><img decoding=\"async\" src=\"https:\/\/reality.drnda.eu\/wp-content\/uploads\/2026\/09\/hypoteky-pre-mladych-od-roku-2027-co-sa-zmeni-a-ako-z-toho-vytazit-maximum-xjDrv-1024x559.webp\" alt=\"Hypot\u00e9ky pre mlad\u00fdch od roku 2027: \u010do sa zmen\u00ed a ako z toho vy\u0165a\u017ei\u0165 maximum\" loading=\"lazy\"><\/figure>\n<p>Hovor\u00edme o v\u00fdhod\u00e1ch \u00faprimne \u2014 preto\u017ee aj nov\u00e9 podmienky maj\u00fa stropy, za ktor\u00fdmi v\u00e1m jednoducho nepom\u00f4\u017eu.<\/p>\n<ul>\n<li><strong>Vysok\u00e1 cena nehnute\u013enosti:<\/strong> Ak sa byt pred\u00e1va za 150 000 \u20ac alebo viac, zv\u00fdhodnen\u00e1 sadzba spl\u00e1tku s\u00edce zn\u00ed\u017ei, ale absol\u00fatna suma zostane vysok\u00e1. Pr\u00edspevok na \u00farok nevyrie\u0161i nedostupnos\u0165 cien v niektor\u00fdch lokalit\u00e1ch.<\/li>\n<li><strong>N\u00edzky pr\u00edjem:<\/strong> Banky st\u00e1le posudzuj\u00fa bonitu. Ak v\u00e1\u0161 \u010dist\u00fd mesa\u010dn\u00fd pr\u00edjem nesta\u010d\u00ed na spl\u00e1tku ani pri zn\u00ed\u017eenom \u00faroku, hypot\u00e9ku jednoducho nedostanete \u2014 bez oh\u013eadu na vek alebo \u0161t\u00e1tny pr\u00edspevok.<\/li>\n<li><strong>Kombin\u00e1cia s in\u00fdmi \u00favermi:<\/strong> Ak spl\u00e1cate auto, spotrebn\u00fd \u00faver alebo m\u00e1te vysok\u00fd limit na kreditnej karte, banka to zar\u00e1tava do va\u0161ich z\u00e1v\u00e4zkov. V\u00fdsledkom m\u00f4\u017ee by\u0165 ni\u017e\u0161ia schv\u00e1len\u00e1 suma, ako ste \u010dakali.<\/li>\n<li><strong>Oneskoren\u00e9 schv\u00e1lenie legislat\u00edvy:<\/strong> Zmeny m\u00f4\u017eu pr\u00eds\u0165 nesk\u00f4r alebo v upravenej podobe. Stava\u0165 cel\u00fd pl\u00e1n len na tom, \u010do sa chyst\u00e1, je riskantn\u00e9.<\/li>\n<\/ul>\n<p>Ak si nie ste ist\u00ed, \u010di na zv\u00fdhodnenie dosiahnete, najr\u00fdchlej\u0161\u00ed sp\u00f4sob je necha\u0165 si spo\u010d\u00edta\u0165 konkr\u00e9tnu situ\u00e1ciu \u2014 pr\u00edjem, z\u00e1v\u00e4zky, cie\u013eov\u00fa sumu. To dok\u00e1\u017eeme urobi\u0165 spolu s vami.<\/p>\n<h2>Ot\u00e1zky, ktor\u00e9 si mlad\u00ed kupuj\u00faci klad\u00fa naj\u010dastej\u0161ie \u2014 a \u00faprimn\u00e9 odpovede<\/h2>\n<p><strong>M\u00e1m teraz \u010daka\u0165 na rok 2027, alebo k\u00fapi\u0165 byt sk\u00f4r?<\/strong><br \/>\nZ\u00e1le\u017e\u00ed na va\u0161ej situ\u00e1cii. Ak n\u00e1jdete vhodn\u00fd byt za dobr\u00fa cenu a m\u00e1te dostato\u010dn\u00fd pr\u00edjem, \u010dakanie nemus\u00ed by\u0165 v\u00fdhodn\u00e9 \u2014 ceny nehnute\u013enost\u00ed sa neprest\u00e1vaj\u00fa h\u00fdba\u0165. Ak v\u00e1m ch\u00fdbaj\u00fa vlastn\u00e9 zdroje, rok navy\u0161e na sporenie m\u00f4\u017ee urobi\u0165 ve\u013ek\u00fd rozdiel.<\/p>\n<p><strong>Plat\u00ed zv\u00fdhodnenie aj pri k\u00fape star\u0161ieho bytu?<\/strong><br \/>\nPod\u013ea dostupn\u00fdch n\u00e1vrhov \u00e1no \u2014 typ stavby by nemal by\u0165 rozhoduj\u00facim krit\u00e9riom, podstatn\u00e9 je, \u017ee ide o prv\u00fa nehnute\u013enos\u0165 na trval\u00e9 b\u00fdvanie. Ale fin\u00e1lne podmienky si overte, ke\u010f z\u00e1kon vst\u00fapi do platnosti.<\/p>\n<p><strong>\u010co ak m\u00e1m 36 rokov \u2014 som \u00faplne mimo?<\/strong><br \/>\nNie nevyhnutne. Niektor\u00e9 n\u00e1vrhy po\u010d\u00edtaj\u00fa s vy\u0161\u0161ou vekovou hranicou alebo s v\u00fdnimkami pre p\u00e1ry, kde jeden z partnerov sp\u013a\u0148a podmienku. Sledujte v\u00fdvoj a pora\u010fte sa.<\/p>\n<p><strong>Mus\u00edm by\u0165 zamestnan\u00fd, alebo plat\u00ed aj SZ\u010cO?<\/strong><br \/>\n\u017divnostn\u00edci a samostatne z\u00e1robkovo \u010dinn\u00e9 osoby hypot\u00e9ky dost\u00e1vaj\u00fa be\u017ene, ale banka posudzuje ich pr\u00edjem inak \u2014 zvy\u010dajne cez da\u0148ov\u00e9 priznania. Zv\u00fdhodnenie by sa malo vz\u0165ahova\u0165 aj na nich, no konkr\u00e9tne podmienky z\u00e1le\u017eia od banky.<\/p>\n<p><strong>Kde sa prihl\u00e1sim na zv\u00fdhodnen\u00fa hypot\u00e9ku?<\/strong><br \/>\nPriamo v banke, ktor\u00e1 bude produkt pon\u00faka\u0165. Zv\u00fdhodnenie nebude automatick\u00e9 \u2014 treba o\u0148 po\u017eiada\u0165 a dolo\u017ei\u0165 potrebn\u00e9 doklady. Niektor\u00e9 banky u\u017e dnes pon\u00fakaj\u00fa podobn\u00e9 produkty pre mlad\u00fdch, tak\u017ee sa oplat\u00ed porovn\u00e1va\u0165.<\/p>\n<div class=\"o3d-cta\">\n<p>Ak chcete vedie\u0165, \u010di na zv\u00fdhodnen\u00fa hypot\u00e9ku dosiahnete pr\u00e1ve vy \u2014 a ak\u00e9 byty v \u017diline s\u00fa teraz dostupn\u00e9 \u2014 radi sa pozrieme na va\u0161u situ\u00e1ciu osobne. Bez z\u00e1v\u00e4zkov, bez zbyto\u010dn\u00fdch re\u010d\u00ed.<\/p>\n<p>  <a class=\"o3d-cta-btn\" href=\"https:\/\/reality.drnda.eu\/?product=mens-hiking-boots\">Nap\u00ed\u0161te n\u00e1m<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Od roku 2027 maj\u00fa pr\u00eds\u0165 v\u00fdhodnej\u0161ie podmienky hypot\u00e9k pre mlad\u00fdch kupuj\u00facich \u2014 ni\u017e\u0161ie sadzby, vy\u0161\u0161ie LTV aj \u0161t\u00e1tny pr\u00edspevok. Vysvet\u013eujeme, koho sa to t\u00fdka, o ko\u013eko si polep\u0161\u00edte a \u010do treba pripravi\u0165 u\u017e teraz.<\/p>\n","protected":false},"author":0,"featured_media":173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-172","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\/172","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"}],"replies":[{"embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=172"}],"version-history":[{"count":1,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts\/172\/revisions"}],"predecessor-version":[{"id":176,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/posts\/172\/revisions\/176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=\/wp\/v2\/media\/173"}],"wp:attachment":[{"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/reality.drnda.eu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}