[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vicki.sk\/podnajom-alebo-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.vicki.sk\/podnajom-alebo-hypoteka\/","headline":"Podn\u00e1jom alebo hypot\u00e9ka?","name":"Podn\u00e1jom alebo hypot\u00e9ka?","description":"Rozhodnutie o tom ako budete b\u00fdva\u0165 je len na v\u00e1s. Ako p\u00e1r alebo jednotlivec si mus\u00edte zv\u00e1\u017ei\u0165 v\u0161etky rizik\u00e1 a probl\u00e9my, ktor\u00e9 sa v\u00e1m m\u00f4\u017eu po\u010das v\u00e1\u0161ho b\u00fdvania vyskytn\u00fa\u0165. Niekto m\u00e1 v tejto veci jasno hne\u010f od za\u010diatku, in\u00fd dos\u0165... <a class=\"more-link\" href=\"https:\/\/www.vicki.sk\/podnajom-alebo-hypoteka\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2019-12-10","dateModified":"2023-07-21","author":{"@type":"Person","@id":"https:\/\/www.vicki.sk\/author\/#Person","name":"","url":"https:\/\/www.vicki.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vicki.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vicki.sk\/wp-content\/uploads\/img_a309055_w16877_t1577626141.jpg","url":"https:\/\/www.vicki.sk\/wp-content\/uploads\/img_a309055_w16877_t1577626141.jpg","height":0,"width":0},"url":"https:\/\/www.vicki.sk\/podnajom-alebo-hypoteka\/","about":["Byt"],"wordCount":438,"articleBody":"Rozhodnutie o tom ako budete b\u00fdva\u0165 je len na v\u00e1s. Ako p\u00e1r alebo jednotlivec si mus\u00edte zv\u00e1\u017ei\u0165 v\u0161etky rizik\u00e1 a probl\u00e9my, ktor\u00e9 sa v\u00e1m m\u00f4\u017eu po\u010das v\u00e1\u0161ho b\u00fdvania vyskytn\u00fa\u0165. Niekto m\u00e1 v tejto veci jasno hne\u010f od za\u010diatku, in\u00fd dos\u0165 dlho v\u00e1ha. Ke\u010f je niekto presved\u010den\u00fd o svojej pravde, tak je \u0165a\u017ek\u00e9 ho presved\u010di\u0165 o opaku, ale nie je to \u00faplne nemo\u017en\u00e9. Nikdy nie s\u00fa veci len \u010dierne alebo biele, je to ur\u010dit\u00e1 kombin\u00e1cia a ka\u017ed\u00e9mu m\u00f4\u017ee vyhovova\u0165 nie\u010do \u00faplne in\u00e9. Hypot\u00e9ka V pr\u00edpade hypot\u00e9ky si plat\u00edte mesa\u010dn\u00e9 spl\u00e1tky na vlastn\u00e9 b\u00fdvanie. Tento byt alebo in\u00e1 nehnute\u013enos\u0165 bude raz va\u0161a. Dovtedy sa v\u0161ak m\u00f4\u017ee udia\u0165 v\u0161eli\u010do, ke\u010f pr\u00eddete o pr\u00e1cu, st\u00e1le budete musie\u0165 plati\u0165. Z\u00e1rove\u0148 spolu s hypot\u00e9kou si mus\u00edte plati\u0165 aj r\u00f4zne poistky na poistenie dom\u00e1cnosti a celkovej nehnute\u013enosti. Je jasn\u00e9, \u017ee ke\u010f budete s bankou komunikova\u0165 d\u00f4kladne, tak v\u00e1m poskytne ur\u010dit\u00e9 v\u00fdhody \u2013 teda, \u017ee ke\u010f pr\u00eddete o pr\u00e1cu, tak si m\u00f4\u017eete spl\u00e1tky odlo\u017ei\u0165 o pol roka. Tu sa v\u0161ak v\u0161etci mylne domnievaj\u00fa, \u017ee plati\u0165 nebud\u00fa v\u00f4bec, ale to nie je pravda. Odlo\u017e\u00ed sa len spl\u00e1tky istiny a \u00faroky plat\u00edte aj na\u010falej. Spl\u00e1tka hypot\u00e9ky b\u00fdva \u010dasto men\u0161ia ako podn\u00e1jom, preto\u017ee dan\u00ed vlastn\u00edci bytu chc\u00fa aj nie\u010do zarobi\u0165 na svojich podn\u00e1jomn\u00edkoch. Podn\u00e1jom Vy ako podn\u00e1jomn\u00edk nemus\u00edte rie\u0161i\u0165 nejak\u00e9 poistky na poistenie dom\u00e1cnosti alebo celej nehnute\u013enosti. V pr\u00edpade, \u017ee o ne m\u00e1 z\u00e1ujem vlastn\u00edk bytu, tak si ich m\u00f4\u017ee plati\u0165 s\u00e1m. Ale to neznamen\u00e1, \u017ee v\u00e1m ich nem\u00f4\u017ee zapo\u010d\u00edta\u0165 do v\u00e1\u0161ho podn\u00e1jmu. Cenu si toti\u017e ur\u010duje on s\u00e1m a \u010do mu z toho vyjde v\u0161etko poplati\u0165 je len na \u0148om. No vy nie ste zodpovedn\u00ed a nemus\u00edte nikomu dokazova\u0165, \u017ee m\u00e1te pr\u00e1vo na poistn\u00e9 plnenie. N\u00e1jomn\u00e9 mus\u00edte plati\u0165, inak v\u00e1s vys\u0165ahuj\u00fa. V dne\u0161nej dobe sa s vami u\u017e nikto nezab\u00e1va a nebude v\u00e1m veri\u0165, \u017ee to naozaj zaplat\u00edte nesk\u00f4r. Ich nezauj\u00edma, \u017ee nem\u00e1te pr\u00e1cu alebo v\u00e1m to nevych\u00e1dza. Mo\u017eno v tomto je banka \u00fastretovej\u0161ia a vie v\u00e1m spl\u00e1tky odlo\u017ei\u0165. Hoci len spl\u00e1tky istiny.                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podn\u00e1jom alebo hypot\u00e9ka?","item":"https:\/\/www.vicki.sk\/podnajom-alebo-hypoteka\/#breadcrumbitem"}]}]