{"version":"1.0","provider_name":"Tureality - najlep\u0161ia realitka na Slovensku","provider_url":"https:\/\/www.tureality.sk\/blog","author_name":"Tureality","author_url":"https:\/\/www.tureality.sk\/blog\/profile\/admin\/","title":"5 m\u00fdtov o hypot\u00e9kach - Tureality - najlep\u0161ia realitka na Slovensku","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\"><a href=\"https:\/\/www.tureality.sk\/blog\/5-mytov-o-hypotekach\/\">5 m\u00fdtov o hypot\u00e9kach<\/a><\/blockquote>\n<script type='text\/javascript'>\n<!--\/\/--><![CDATA[\/\/><!--\n\t\t\/*! This file is auto-generated *\/\n\t\t!function(d,l){\"use strict\";var e=!1,n=!1;if(l.querySelector)if(d.addEventListener)e=!0;if(d.wp=d.wp||{},!d.wp.receiveEmbedMessage)if(d.wp.receiveEmbedMessage=function(e){var t=e.data;if(t)if(t.secret||t.message||t.value)if(!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var r,i,a,s=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),n=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),o=new RegExp(\"^https?:$\",\"i\"),c=0;c<n.length;c++)n[c].style.display=\"none\";for(c=0;c<s.length;c++)if(r=s[c],e.source===r.contentWindow){if(r.removeAttribute(\"style\"),\"height\"===t.message){if(1e3<(a=parseInt(t.value,10)))a=1e3;else if(~~a<200)a=200;r.height=a}if(\"link\"===t.message)if(i=l.createElement(\"a\"),a=l.createElement(\"a\"),i.href=r.getAttribute(\"src\"),a.href=t.value,o.test(a.protocol))if(a.host===i.host)if(l.activeElement===r)d.top.location.href=t.value}}},e)d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",t,!1),d.addEventListener(\"load\",t,!1);function t(){if(!n){n=!0;for(var e,t,r=-1!==navigator.appVersion.indexOf(\"MSIE 10\"),i=!!navigator.userAgent.match(\/Trident.*rv:11\\.\/),a=l.querySelectorAll(\"iframe.wp-embedded-content\"),s=0;s<a.length;s++){if(!(e=a[s]).getAttribute(\"data-secret\"))t=Math.random().toString(36).substr(2,10),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t);if(r||i)(t=e.cloneNode(!0)).removeAttribute(\"security\"),e.parentNode.replaceChild(t,e)}}}}(window,document);\n\/\/--><!]]>\n<\/script><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.tureality.sk\/blog\/5-mytov-o-hypotekach\/embed\/\" width=\"600\" height=\"338\" title=\"&#8220;5 m\u00fdtov o hypot\u00e9kach&#8221; &#8212; Tureality - najlep\u0161ia realitka na Slovensku\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe>","thumbnail_url":"https:\/\/www.tureality.sk\/blog\/wp-content\/uploads\/2018\/07\/5-mytov-o-hypotekach.jpg","thumbnail_width":996,"thumbnail_height":796,"description":"Hypotek\u00e1rny \u00faver je \u010dasto jedinou formou dlhu, ktorou je v\u00e4\u010d\u0161ina \u013eud\u00ed ochotn\u00e1 prija\u0165. Niektor\u00ed v\u0161ak na t\u00fato p\u00f4\u017ei\u010dku nazeraj\u00fa pr\u00edli\u0161 ru\u017eov\u00fdmi okuliarmi a myslia si, \u017ee dostan\u00fa nieko\u013eko desiatok tis\u00edc na po\u010dkanie a bez pr\u00e1ce. Len\u017ee tak to nie je. Po\u010fme sa spolo\u010dne pozrie\u0165 na 5 naj\u010dastej\u0161\u00edch m\u00fdtov, ktor\u00e9 sa okolo hypotek\u00e1rnych \u00faverov objavuj\u00fa. \u00a0M\u00fdtus \u010d. 1: AJ S PR\u00c1ZDNOU PE\u0147A\u017dENSKOU DOSTANEM KO\u013dKO CHCEM \u017diada\u0165 o hypot\u00e9ku bez ak\u00fdchko\u013evek \u00faspor? Teraz u\u017e to nie je mo\u017en\u00e9 a predov\u0161etk\u00fdm, nie je to ani zodpovedn\u00e9. Ak sa zadl\u017eite, je dobr\u00e9 ma\u0165 finan\u010dn\u00fa rezervu. Pre\u010do? Pre situ\u00e1cie ktor\u00e9 \u017eivot prinesie a \u010dlovek s nimi nepo\u010d\u00edta. M\u00fdtus \u010d. 2: SCHV\u00c1LENIE HYPOT\u00c9KY U\u017d JE LEN FORMALITA Predstava, \u017ee pr\u00eddete k priehradke v banke, po\u017eiadate si o hypot\u00e9ku a za pol hodinky odch\u00e1dzate s tu\u010dn\u00fdm bal\u00edkom pe\u0148az\u00ed vo vrecku je pomerne utopistick\u00e1. Ne\u017e v\u00e1m banka po\u017ei\u010dia nejak\u00e9 peniaze, predch\u00e1dza tomu ve\u013ea papierovania, dokumentovania najr\u00f4znej\u0161\u00edch dokumentov, potvrdzovanie pr\u00edjmov zo strany zamestn\u00e1vate\u013ea, odhady nehnute\u013enosti a\u00a0pod. M\u00fdtus \u010d. 3: \u010cO NAJSK\u00d4R TO SPLAT\u00cdM A U\u0160ETR\u00ddM \u010c\u00edm sk\u00f4r je dlh splaten\u00fd, t\u00fdm menej zaplat\u00edte na \u00farokoch. Pravda\u017ee t\u00fdm vy\u0161\u0161iu budete ma\u0165 aj mesa\u010dn\u00fa spl\u00e1tku. Pokia\u013e m\u00e1te dostato\u010dn\u00fd pr\u00edjem, nie je to \u017eiadny probl\u00e9m ale in\u00e1 situ\u00e1cia nast\u00e1va vo chv\u00edli, ke\u010f s takou spl\u00e1tkou sotva vyjdete. Preto je lep\u0161ie dobu splatnosti trochu natiahnu\u0165 a sk\u00f4r si \u0161etri\u0165 bokom nejak\u00fa rezervu, ktor\u00fa m\u00f4\u017eete vyu\u017ei\u0165 hne\u010f po skon\u010den\u00ed doby fix\u00e1cie. Potom je toti\u017e mo\u017en\u00e9 h\u00fdba\u0165 ako s v\u00fd\u0161kou spl\u00e1tok, tak s dobou splatnosti. A navy\u0161e nebudete \u017ei\u0165 nieko\u013eko desiatok rokov v strachu, \u017ee sa v\u00e1m rozbije pr\u00e1\u010dka a vy nebudete ma\u0165 na nov\u00fa. M\u00fdtus \u010d. 4: PREDAJN\u00c1 CENA = ODHADOVAN\u00c1 CENA Mnoho \u013eud\u00ed sa domnieva, \u017ee im banka po\u017ei\u010dia to\u013eko, ko\u013eko zaplat\u00ed pred\u00e1vaj\u00facemu nehnute\u013enosti. Ale tak to nie je. Banka sa neriadi predajnou cenou, za ktor\u00fa ste nehnute\u013enos\u0165 zaobstarali ale tzv. odhadovanej ceny,... \u010c\u00edtajte viac"}