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5 NAJVÄČŠÍCH MÝTOV O HYPOTÉKACH. UŽ STE ICH POČULI?

CENTRÁLNY PORTÁL POISTENIA

5 NAJVÄČŠÍCH MÝTOV O HYPOTÉKACH. UŽ STE ICH POČULI?

Hypotéka je pomerne bežný, no súčasne aj zložitý finančný produkt. Nedostatočná znalosť produktu sa tak stáva živnou pôdou pre šírenie množstva domnienok či nepravdivých informácií. Aké sú najčastejšie fámy v súvislosti s hypotékou a ako sa uistiť, že máte najvýhodnejšiu hypotéku?

MÝTUS 1: DOSTANEM ÚROK Z REKLAMY

Určite ste už videli alebo počuli reklamu na najvýhodnejšiu hypotéku s úrokom len x %. Problém v niektorých bankách môže nastať v tom, že vyhlasovaná úroková sadzba ešte nie je tá, ktorú klient uvidí aj na schválenom návrhu ku svojej budúcej hypotéke.

„Realita je taká, že úrok z reklamy často krát nie je pre každého a v niektorých bankách ho získa iba vybraná skupina bonitných klientov. Prípadne v banke, kde je skutočne iba jedna úroková sadzba pre všetkých, daný klient hypotéku buď nezíska vôbec, alebo nie v požadovanej výške a s vhodnými parametrami,“ hovorí Katarína Kostková, riaditeľka divízie úverov v spoločnosti FinGO.sk.

„Klient by mal mať vždy pred sebou prehľad konkrétnych ponúk z viacerých bánk.Dôležité je tiež porovnávať nielen úrokovú sadzbu, ale zvažovať aj ostatné podmienky hypotéky, ako sú obdobie fixácie, percento financovania, či poplatky súvisiace s vybavením hypotéky aj s ďalším servisom banky,“ upozorňuje Kostková.

MÝTUS 2: V MOJEJ DOMOVSKEJ BANKE ZÍSKAM NAJLEPŠIE PODMIENKY

Každý z nás má svoju banku. Je to banka, kde máme vedený bežný účet, kde nám chodí výplata a odkiaľ nám chodia splátky úverov alebo inkasa. Mnohí sú preto presvedčení, že domovská banka bude tá najlepšia voľba aj pri hypotéke. Toto môže, ale nemusí byť pravda.

„Klienti sú často presvedčení, že nikto iný im nemôže dať lepší úver, ako ich banka a preto si iné možnosti ani nezisťujú.  Dnes však už klientstvo nemá taký vplyv na podmienky úveru, ako pred niekoľkými rokmi. Omnoho väčší vplyv má to, akého klienta tá-ktorá banka preferuje. Ak klient nespĺňa podmienky preferovaného profilu banky, môže tam mať účet vedený aj desať rokov a  nezíska v danej banke také výhodné podmienky hypotéky, ako iný klient,” upozorňuje Kostková.

Preto by ste si vždy mali porovnať všetky dostupné možnosti a nespoliehať sa na to, že byť lojálny voči svojej banke sa oplatí. Viac ako body za vernosť dnes banky zaujímajú iné kritéria na klienta a vo svojej banke nemusíte získať najvýhodnejšiu hypotéku.

MÝTUS 3: ČÍM KRATŠIA DOBA SPLÁCANIA, TÝM VÝHODNEJŠIA 

Hypotéka je záväzok a ten nemá nikto rád. Preto sa väčšina klientov snaží skrátiť si dobu splácania aj za cenu vysokých splátok. Mať však vysokú splátku a kratšiu dobu splácania nie je z finančného hľadiska vždy najrozumnejšie riešenie. Nie preto, že by ste to možno dnes nevládali splácať. Ale za tých 10 alebo 20 rokov sa môže zmeniť vaša životná situácia. Môže prísť choroba, strata zamestnania alebo iné okolnosti, ktoré vám znemožnia splácanie hypotéky. Práve vzhľadom na tieto riziká je výhodné mať svoj záväzok voči banke čo najmenší, resp. dlhodobo zdravo nastavený,” odporúča Kostková.

Ak vám vaša momentálna životná situácia umožňuje splácať viac, peniaze si odkladajte. Šetrite ich a zhodnocujte. V prípade, ak v budúcnosti nastanú nečakané okolnosti a vy budete potrebovať väčšiu sumu peňazí, budete mať možnosť siahnuť na svoje úspory. V prípade, ak takéto okolnosti nenastanú, v určitom momente môžete zrealizovať mimoriadnu splátku hypotéky a tak si skrátiť celkovú dobu splácania.  Viac o tejto téme si môžete prečítať v našom článku.

MÝTUS 4: ČÍM KRATŠIA DOBA FIXÁCIE, TÝM LEPŠIE

Banky poskytujú hypotekárne úvery s fixne stanovenou úrokovou sadzbou len na určité obdobie. Fixácia úroku má pre vás veľký význam – dáva vám istotu, že sa výška vašej splátky počas tohto obdobia nezmení, nech sa na trhu deje čokoľvek.

„Vidina nižšej úrokovej sadzby láka dnes mnohých klientov a navádza ich ku kratšej fixácii, spravidla tri roky,” hovorí Kostková. Keďže však predpokladáme, že v najbližších rokoch sa budú úrokové sadzby postupne zvyšovať, pre klienta má dnes veľký význam zafixovať si úrokovú sadzbu na dlhšie obdobie, aj za cenu vyššej úrokovej sadzby. Pri tendencii rastu úrokových sadzieb však z dlhodobého hľadiska klient aj tak ušetrí na celkovo zaplatenom úroku,” radí Kostková.

MÝTUS 5: VYBAVÍM SI VŠETKO SÁM

Toto je najbežnejší mýtus, ktorý však už mnohým klientom spôsobil nemalé problémy. Ľudia nedôverujú finančným sprostredkovateľom a sú presvedčení, že hypotéku si zvládnu rovnako dobre vybaviť aj sami. A hoci je spolupráca s finančným sprostredkovateľom zadarmo, mnohí klienti sa napriek tomu rozhodnú pustiť sa do vybavenia hypotéky na vlastnú päsť.

„Klient sám nepozná svoj profil a nevie, ktorá banka mu poskytne úver bez problémov a ktorá ho naopak, odmietne. Toto vie odhadnúť iba finančný sprostredkovateľ, ktorý na základe skúseností klientovi odporučí, ktorá banka je pre neho vhodná. Dnes je každý „neplatný“ pokus žiadosti o hypotéku zaznamenaný v úverovom registri. Ak má klient jeden, alebo dokonca dva negatívne záznamy, kým sa dostane do tej “správnej” banky, je možné, že už ani tá mu úver neposkytne. Práve kvôli predchádzajúcim záznamom. Je dôležité takéto riziko eliminovať, pretože rozdiely môžu byť priepastné. Momentálne opatrenia a pritvrdenie pravidiel pri poskytovaní úverov na bývanie môžu spôsobiť, že tieto rozdiely v ponukách bánk sa budú ešte prehlbovať,” upozorňuje Kostková na riziká takéhoto prístupu.

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