Tatra banka p\u0159in\u00e1\u0161\u00ed hypot\u00e9ku s nejni\u017e\u0161\u00edm \u00farokem v historii ji\u017e od 3,05 % a mo\u017enost\u00ed online konzultace v pohodl\u00ed domova.<\/p>\n\n\n\n
Tatra banka sn\u00ed\u017eila od 5. \u00fanora \u00farokov\u00e9 sazby pro \u00fav\u011bry na bydlen\u00ed (hypot\u00e9ky, americk\u00e9 hypot\u00e9ky a hypot\u00e9ky pro mlad\u00e9). \u00darokov\u00e9 sazby se tak dostaly na absolutn\u011b nejni\u017e\u0161\u00ed hodnoty ve 23let\u00e9 historii banky. Hypot\u00e9ku s dvouletou fixac\u00ed m\u016f\u017eete dokonce z\u00edskat s rekordn\u011b n\u00edzk\u00fdm \u00farokem ji\u017e od 3,05%. \u201eIndex dostupnosti bydlen\u00ed dosahuje historicky nejvy\u0161\u0161\u00ed \u00farovn\u011b, co\u017e znamen\u00e1, \u017ee bydlen\u00ed je pro pracuj\u00edc\u00edho \u010dlov\u011bka dostupn\u011bj\u0161\u00ed ne\u017e kdykoli p\u0159edt\u00edm. Kombinace n\u00edzk\u00fdch cen nemovitost\u00ed a n\u00edzk\u00fdch hypote\u010dn\u00edch sazeb je d\u016fvod, pro\u010d o\u010dek\u00e1v\u00e1me iv roce 2014 silnou popt\u00e1vku po \u00fav\u011brech na bydlen\u00ed\u201c, vysv\u011btluje analytik Tatra banky Juraj Valachy.<\/p>\n\n\n\n
Hypot\u00e9ka pro mlad\u00e9 je v sou\u010dasnosti z\u0159ejm\u011b nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00fd produkt na Slovensku. B\u011bhem prvn\u00edch p\u011bti let spl\u00e1cen\u00ed je zv\u00fdhodn\u011bna o 3 % na \u00farokov\u00e9 sazb\u011b, kde 2 % dotuje st\u00e1t a 1 % banka. V Tatra bance tak m\u016f\u017eete z\u00edskat \u00fav\u011br na bydlen\u00ed s \u00farokovou sazbou ji\u017e od 0,05%. Zaujala v\u00e1s hypot\u00e9ka pro mlad\u00e9, ale nev\u00edte, jestli v\u00e1m ji banka schv\u00e1l\u00ed? Hlavn\u00ed je v\u011bk a p\u0159\u00edjem – z\u00e1jemce nem\u016f\u017ee b\u00fdt star\u0161\u00ed 35 let a nem\u016f\u017ee m\u00edt za lo\u0148sk\u00fd rok hrub\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem vy\u0161\u0161\u00ed ne\u017e 1 043,90 \u20ac (plat\u00ed do 31. 3. 2014). Hodnot\u00ed se pr\u016fm\u011brn\u00e1 hrub\u00e1 m\u011bs\u00ed\u010dn\u00ed mzda \u017eadatele za uplynul\u00fd kalend\u00e1\u0159n\u00ed rok, jeho sou\u010dasn\u00fd p\u0159\u00edjem m\u016f\u017ee b\u00fdt i vy\u0161\u0161\u00ed. Pokud o \u00fav\u011br \u017e\u00e1daj\u00ed dva \u017eadatel\u00e9, plat\u00ed dvojn\u00e1sobn\u00e1 \u010d\u00e1stka maxim\u00e1ln\u00edho p\u0159\u00edjmu. \u017dadatel\u00e9 o hypot\u00e9ku se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem nemus\u00ed b\u00fdt man\u017eel\u00e9. Z\u00e1konem stanoven\u00e9 podm\u00ednky v\u0161ak mus\u00ed splnit oba, p\u0159i\u010dem\u017e p\u0159\u00edjem se posuzuje spole\u010dn\u011b.<\/p>\n\n\n\n
O mo\u017enostech hypot\u00e9ky si m\u016f\u017eete osobn\u011b popov\u00eddat se specialistou z banky, i kdy\u017e jste doma. Osobn\u00ed rozhovor je u d\u016fle\u017eit\u00fdch t\u00e9mat nejlep\u0161\u00ed forma komunikace. Ob\u011b strany um\u00ed okam\u017eit\u011b reagovat na diskusi. Jednou z takov\u00fdch d\u016fle\u017eit\u00fdch t\u00e9mat v \u017eivot\u011b je i hypot\u00e9ka. Jde p\u0159ece o rozhodnut\u00ed na n\u011bkolik let. V ka\u017edodenn\u00edm sp\u011bchu m\u016f\u017ee b\u00fdt pro mnoh\u00e9 obt\u00ed\u017en\u00e9 naj\u00edt si \u010das na n\u00e1v\u0161t\u011bvu banky a osobn\u00ed setk\u00e1n\u00ed s \u010dlov\u011bkem, kter\u00fd v\u00ed na ot\u00e1zky t\u00fdkaj\u00edc\u00ed se hypot\u00e9ky relevantn\u011b odpov\u011bd\u011bt. Proto Tatra banka nab\u00edz\u00ed inovaci – online konzultaci s hypote\u010dn\u00edm specialistou. A to i formou video rozhovoru.<\/p>\n\n\n\n
Jist\u011b jste u\u017e l\u00e9ta zvykl\u00ed na r\u016fzn\u00e9 online chaty nebo videohovor nap\u0159\u00edklad p\u0159es Skype. Tato slu\u017eba od Tatra banky je podobn\u00e1, jen pou\u017e\u00edv\u00e1 speci\u00e1ln\u00ed komunika\u010dn\u00ed kan\u00e1l, proto\u017ee jde o soukrom\u00e9 a d\u016fle\u017eit\u00e9 informace. Tomu, kdo se neum\u00ed vyznat v r\u016fzn\u00fdch mo\u017enostech hypot\u00e9ky a r\u00e1d by si o tom promluvil, sta\u010d\u00ed zavolat na \u010d\u00edslo 02\/5919 1000 nebo 02\/6866 1000. S hypote\u010dn\u00edm specialistou si domluv\u00edte term\u00edn konzultace a z\u00e1rove\u0148 v\u00e1m porad\u00ed, jak nainstalovat aplikaci, p\u0159es kterou rozhovor prob\u011bhne.<\/p>\n\n\n\n
Videohovor je standardn\u011b nastaven tak, \u017ee vy vid\u00edte hypote\u010dn\u00edho specialistu, ale on v\u00e1s ne. Ale klidn\u011b m\u016f\u017eete zapnout tak\u00e9 svoji webkameru. U videohovoru m\u016f\u017eete krom\u011b obli\u010deje specialisty vid\u011bt i r\u016fzn\u00e9 informace z jeho pracovn\u00ed plochy, jako jsou grafy nebo jin\u00e9 pom\u016fcky. Pokud u\u017e jste klienty Tatra banky, hypote\u010dn\u00ed specialista m\u016f\u017ee pracovat s va\u0161imi konkr\u00e9tn\u00edmi \u00fadaji a p\u0159esn\u011bji um\u00ed doporu\u010dit hypot\u00e9ku podle va\u0161ich dosavadn\u00edch finan\u010dn\u00edch operac\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"
Tatra banka p\u0159in\u00e1\u0161\u00ed hypot\u00e9ku s nejni\u017e\u0161\u00edm \u00farokem v historii ji\u017e od 3,05 % a mo\u017enost\u00ed online konzultace v pohodl\u00ed domova. Tatra banka sn\u00ed\u017eila od 5. \u00fanora \u00farokov\u00e9 sazby pro \u00fav\u011bry na bydlen\u00ed (hypot\u00e9ky, americk\u00e9 hypot\u00e9ky a hypot\u00e9ky pro mlad\u00e9). \u00darokov\u00e9 sazby se tak dostaly na absolutn\u011b nejni\u017e\u0161\u00ed hodnoty ve 23let\u00e9 historii banky. Hypot\u00e9ku s dvouletou […]<\/p>\n","protected":false},"author":2,"featured_media":749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-748","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/748","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=748"}],"version-history":[{"count":0,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/748\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/media\/749"}],"wp:attachment":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=748"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}