Poradíme, čo zvážiť pri našasovaní kúpy nehnuteľnosti

Sadzby na hypotékach pôjdu dole, ale aj ceny nehnuteľností hore. Odborníci neodporúčajú dlho čakať, ak chcete investovať do bývania. Ak si kladiete otázku, či ešte čakať, tak odborníci v tom majú jasno a odporúčajú najvýhodnejšie sadzby s fixáciou na tri roky..

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Už približne od polovice roka 2024 môžeme sledovať mierne stúpajúci záujem o kúpu nehnuteľností, čo úzko súvisí s vývojom úrokových sadzieb, ktoré postupne klesajú.  Preto neodporúčam príliš dlho vyčkávať – s postupným znižovaním úrokových sadzieb môžeme pozorovať postupné nárasty v cenách nehnuteľností,“ hovorí Marek Sokol, odborný garant pre sektor úverov a kapitálového trhu UNIVERSAL maklérsky dom. Tá patrí k najväčším maklérskym spoločnostiam pôsobiacim na slovenskom trhu.

Vplývajúce faktory

Aktuálne sme stále v období, kedy sme výrazne vzdialení od historicky najnižších úrokových sadzieb, ktoré sme tu mali niekoľko rokov dozadu, avšak takýto scenár s najväčšou pravdepodobnosťou už neočakávame, no stále je priestor na ich mierne postupné znižovanie,“ konštatuje Marek Sokol. Vývoj úrokových sadzieb smeruje k úrovni troch percent, čo by sa podľa odborníka dalo z dlhodobého hľadiska považovať za relatívne zdravú mieru úrokovej sadzby. No ako dodáva, potrebné je byť s predikciou vývoja opatrný. „Závisí to hneď od niekoľkých makroekonomických vplyvov. Jedným z najsledovanejších faktorov je inflácia, ktorú sa nám v predošlom roku podarilo stiahnuť, avšak bude veľmi záležať od toho, ako sa bude vyvíjať aj v priebehu tohto roka,“ podotýka Marek Sokol. Ak sa ju podarí udržiavať na požadovanej úrovni, môžeme očakávať v nadväznosti na to postupné pokračovanie v znižovaní úrokových sadzieb. Ďalšími faktormi, ktoré majú vplyv na vývoj sadzieb, je miera nezamestnanosti, menová stabilita a pod.

Záujem o nehnuteľnosti stúpa

Znižovanie úrokových sadzieb prináša dve protichodné reakcie na trhu s nehnuteľnosťami. Prvou je dostupnejšia možnosť získania hypotekárneho úveru, čo zvyšuje automaticky aj záujem o kúpu nehnuteľností, avšak s týmto je spojený aj opačný efekt, a to nárast cien nehnuteľností. „Práve preto nie je vždy najlepšie vyčkávať na výraznejší pokles úrokových sadzieb, pokiaľ je to, samozrejme, možné a situácia ohľadom získania úveru to dovoľuje,“ podotýka Marek Sokol. Veľkú úlohu tu zohráva aj fixácia.

Odporúčanie: trojročná fixácia

V tejto nadväznosti nie je potrebné, aby si žiadatelia o úver fixovali úrokové sadzby na príliš dlhé obdobie. „Aktuálne je najvýhodnejšia trojročná fixácia, kde sú sadzby najvýhodnejšie a zároveň je celkom možné, že po jej uplynutí bude sadzba stále na nižšej úrovni, čo bude predstavovať výhodu pre klienta,“ dodáva Marek Sokol. 

Pokiaľ ide o tzv. čistý refinanc, čo predstavuje prenos úveru bez navýšenia, resp. s navýšením iba do 5 % alebo max. 2 000 eur, tak zvýšená hodnota nehnuteľnosti nemá výrazný vplyv na prenášaný úver. „Pokiaľ by však klient mal záujem o navýšenie čerpaného úveru, tak, samozrejme, tento vývoj ceny nehnuteľností môže mať pozitívny vplyv na žiadanú výšku úveru,“ vysvetľuje Marek Sokol. Treba však aj napriek tomu brať do úvahy príjem klienta. „Ak by totiž mal záujem o vyššie navýšenie, ako sme si uviedli v prípade „čistého refinancu“, bolo by potrebné dokladovať príjem, aby mala banka istotu, že bude schopný tento navýšený záväzok aj riadne splácať,“ dodáva na záver Marek Sokol, odborný garant pre sektor úverov a kapitálového trhu UNIVERSAL maklérsky dom. 

Zdroj foto: Freepik

3 komentárov

  • Komentár Followmypic.com %AM, %27 %140 %2025 %02:%mar napísal Followmypic.com

    In this research, the group that rested 2min between sets would have
    spent about 10min to Bench Press 4 units. The group
    that rested 8min would have educated for greater than three times
    longer to do the identical exercise. You can't add weight 2-3x/week on the
    identical train forever by doing 5×5 straight sets. Squatting 3x/week on Stronglifts
    5×5 provides you 36x apply over the same 12
    weeks.
    No, this does not imply that I encourage anyone to mess with it in any way, I’m
    just pointing out something that bothers me.
    A basic guideline for volume says that you should aim for total reps if you’re within the 80-90% 1RM depth brackets,
    which corresponds to a 4-6 RM, and that is about
    right in our "sets of 5" routines. It’s extra acceptable SS than SL, since straight-setted 3×5 allows a better initial intensity than 5×5.
    We’ll calculate our total volume by assuming an average of 1.5 A and 1.5 B exercises
    every week (3 of each in a 2 week lengthy microcycle). This isn’t an instantaneous drawback, but over the long term could seriously hamper your power progress.


    I discovered that my progress slowed after a couple of
    stable months of training. I also discovered that I
    wished a programme with a bit more flexibility that would handle my weaknesses as a lifter.
    Stronglifts automatically increases the weight for you over time should you full all units efficiently.
    You can management how a lot weight it adds, and the way
    usually it does so. For example, you probably
    can add as little as 1lb each three exercises utilizing fractional plates.
    Progressive overload is the elemental principle of energy and muscle building.

    If you have a coach and your sport is martial arts associated or you're doing soccer you are
    most likely better off doing Starting Power.
    With the facility clean and higher deadlift quantity you will in all probability get higher
    results for overall strength. If you are more into
    bodybuilding Stronglifts may be slightly better due to the upper squat volume to build your quads and the rows.

    The development is similar to Stronglifts. If you complete
    the prescribed reps at a certain weight you enhance for the subsequent exercise.


    That being mentioned, I'm a sort of individuals who can placed on a pound of fat overnight, if I don't
    actually watch what I eat. I know I Will in all probability be sacrificing some strength
    gains by not stuffing my face, but I'm okay with that. If you
    might be aiming to be a powerlifter there's some debate on the market that both applications are suboptimal.
    This is mainly right down to the truth that each don't embrace autoregulation.
    Autoregulation means that you have one set a day the place you do as many repetitions as possible.
    This allows you to progress sooner in case you are
    in a position for it. GreySkull, Wendler 531 and the Juggernaut technique use autoregulation.
    In phrases of the train choice, both packages focus completely on compound
    exercises. These are "big" multi-joint exercises that interact quite
    so much of muscle groups and cause improvements in full-body power (3).
    As a beginner, the thought of beginning power
    coaching could be a daunting one. However,
    thankfully, there are a vast array of applications and coaching materials online to help information you.
    Generally, beginning power features much less whole volume per compound exercise than stronglifts.
    Beginning strength locations an particularly large concentrate on the muscle tissue of the decrease physique, featuring excessive volume squat and deadlift sets with high levels
    of resistance.
    You will choose your workout routines primarily based on how much you'll find
    a way to learn. How you carry out in the duties is of lesser importance.
    You would possibly never make the front cowl or win a trophy,
    however you additionally do not care. If you are primarily into looks the primary
    driver of success is food regimen.
    You can select by how much it reduces the burden, or skip the deload when you
    enjoy sore legs. Stronglifts contains more than a hundred pre-programmed workouts, every accompanied by movies and instructions.

    Cardio and energy training can happen on the identical day, too, notes Lawton.
    Once More, we’re seeing an enormous emphasis on the lower physique.
    Not solely is the squat given twice the training volume of some other raise, with
    9 units per week vs 4.5, but it’s also the first raise of each exercise.
    That implies that all of our greatest vitality
    goes into the squat. No surprise, then, that
    most of our features will be in our hips, thighs, and lower back.

  • Komentár Stormy %PM, %26 %757 %2025 %17:%mar napísal Stormy

    The sport of powerlifting options many various kinds of lifting.

    The two primary styles can be categorized as geared up and unequipped.
    However, this would not be very clear to the layman,
    contemplating unequipped powerlifters still use
    what the typical person considers powerlifting tools.
    Outfitted lifting is powerlifting that entails utilizing squat fits, bench shirts,
    and deadlift suits throughout competitors.

    These suits could be one-ply, which is referred to as single-ply lifting, or multi-ply, which is known as multi-ply or limitless lifting.
    In addition to these suits and shirts, athletes will also wear a lifting belt, wrist wraps, and knee wraps.

    Unequipped lifting is what is often known as uncooked powerlifting.

    These will help you develop a extra well-rounded physique and
    expose your muscle tissue and joints to a wider vary of stimulus.

    The Romanian deadlift is a deadlift variation that emphasizes your posterior chain, particularly your glutes, hamstrings,
    and adductors. Read my full guide on the eight the cause why powerlifting isn't within the
    Olympics. Even should you raise the burden from begin to end, should
    you do not follow the technical standards then you
    will not be granted a successful raise. In competition, the chief referee will let you know when you can start and end the carry.

    If you reside in Canada, go to the Canada Powerlifting Union and
    then navigate to your specific province. If you reside in the US, go to USA Powerlifting and then navigate to your particular state.


    It Is common to see athletes in their 50s and 60s competing of their
    first competitors. So the training concerned requires you to construct up power in each your higher
    and decrease body in varied ranges of movement. This will
    increase physical energy not just in the gym, however in everyday life too.
    The objective of powerlifting is to raise as a lot weight as you probably
    can for 1 repetition in your given category. At the end of the competitors, the heaviest squat, bench
    press, and deadlift are added as a lot as provide the
    ‘powerlifting complete'. You’ll be liable for managing every
    thing from the rules and logistics, to ensuring the help of each athlete.

    A frequent variation is the sumo deadlift, and if you're a competitive lifter, you would possibly wish to test
    each lifts to see which you are the strongest in. Whereas the
    deadlift primarily works your again and hips, virtually your entire physique
    is involved in a technique or one other on this full-body train. A benefit
    of the dumbbells (besides their accessibility) is that you will
    load your pecs maximally within the stretched backside position. That is both efficient for muscle progress and in addition near the sticking
    point in the bench press. The feet-up bench press is a popular variant of the 
    bench press during which you keep your ft in the air.
    By elevating your toes you must create stability in your higher physique
    as a substitute, which you might then carry over to your common bench press.
    Right Here are some incessantly asked questions that I typically hear when people ask what's powerlifting.

    You can apply the movement requirements by doing a mock
    powerlifting meet. Whether Or Not that's letting your again roud in deadlift, slicing
    depth in squat or pushing your butt off the bench. Refining and
    reinforcing method early pays compound interest later.
    This is a 15 week intermediate powerlifting program from PRs on the Platform.
    It utilizes block periodization and may be run repeatedly or used to
    peak for a powerlifting competition. It trains a wide
    variety of compound and isolation actions to construct strength and develop muscle
    mass. As a rule of thumb, you wish to practice the competition lifts for at least 4 to 6 weeks earlier than a powerlifting competition. Outfitted lifters wear squat suits,
    bench press shirts, and deadlift suits, which can add 20kg-100kg more
    weight than they would usually have the ability to carry with out them.

  • Komentár Git.Riomhaire.Com %AM, %25 %101 %2025 %01:%mar napísal Git.Riomhaire.Com

    This development ensures that your muscles proceed to
    be challenged and stimulated. Resistance bands come in different levels of resistance, allowing
    you to adjust the depth of your workout. Whether you’re a newbie or a complicated health
    enthusiast, you can find a resistance band that fits your present fitness stage and progressively enhance the resistance as you get stronger.
    You can mix a selection of workout routines to train your varied decrease physique muscle tissue successfully and efficiently.

    They present a pure range of motion, improve stability,
    and could be customized for various ranges of fitness and mobility.

    It's simple to overlook leg day exercises in favor of other body parts,
    however leg exercises are important for constructing a balanced physique.
    Training your leg muscles helps to construct muscular legs by producing elevated ranges of
    cortisol and testosterone (the human development hormone) - one thing chest day will thank you for, too.

    Here’s the thing, for most people pull-ups will be much
    more durable than push-ups, which shall be much more
    durable than lunges. This is a relatively superior workout
    already, but if you wish to progress to the following level, try the principle Batman Bodyweight Workout for recommendations on how to do exactly that.
    Check out our full guide on How to Start Interval Coaching for some more ideas on HIIT exercises.
    You may even cut up it up over two days if wanted, but the aim can be to do the
    entire sequence at once. If you don’t have milk in the home for the rows, find one thing of roughly
    the identical weight with a good handle.
    A) Standing with toes hip-width aside hinge on the
    knees to return into a squat place – ensuring your knees track over your toes and don't
    extend past. Jacked Gorilla was based in 2013, and commenced publishing bodybuilding supplement critiques, and well-known workout routines.

    It wasn't acquired by Rich Gorilla Restricted till 2019, and since
    then each our range of content material and our audience
    have grown considerably.
    Now, Step three is going to get us into "active restoration." Mainly, what to do AFTER your leg day workout.
    If you’re going to be lifting heavy weights, or simply challenging your self generally, it’s still a good suggestion to do warm-up
    units before you get to the main event. Or if you’re doing a goblet squat, then start off with a lighter weight (or a bodyweight squat).
    The objective for this motion is to lightly transfer the hip
    joint through a big range of motion. Only swing as high as you feel snug, and keep the
    body in a powerful upright posture. As the shin raise gets simpler, you can improve the range of movement and issue by transferring your toes farther
    from the wall.
    Glute isolation workouts (e.g. a glute bridge) assist to
    strengthen your bum muscular tissues which, once more, construct power and power.
    Bodyweight leg exercises are additionally valuable for learning proper form earlier than you add weights to certain strikes.
    "We shouldn’t be using weights until we’ve mastered primary lunge, hinge, and squat actions with out weights,"
    Sims says. "You have your physique all the time, and it’s free to make use of, so you are able to do workouts anyplace and at anytime! " If you’ve received an arsenal of moves that you
    could literally do anyplace, there’s a better chance you’ll fit them into your routine.
    Leg workouts aren’t just for calves and hamstrings, in reality most leg workout routines by nature are compound actions working extra
    muscle groups with out you even knowing. Lower-body actions have the power to work your core muscle tissue,
    which in flip will enhance your balance and posture.

    A crucial skill you should learn is tips on how to push
    from the bottom, and the best train to be taught this with is the deadlift.
    It could be a bit intimidating to watch others squat several plates as you
    put a single 25-pound or 45-pound plate on all sides of the bar.

    I’m not kidding when I say that I struggled to realize even a little bit of muscle mass.

    You won't understand it, but Forward and Reverse Lunges work the knee and hip in numerous ways.
    Knee ache is probably certainly one of the most common points individuals have when doing lunges.
    If you’ve performed the Isometric Maintain Squat and Pause Squat with none points, you probably
    can graduate to the Pause Squat with Further Load.
    I was skeptical about the impression of leg raises until I added them to
    my routine. The engagement I felt in my hamstrings
    and decrease again was plain. Every lift not solely contributed to my fat loss journey but also toned my abs, a nice surprise.

    Incorporate single-leg work, Ava Fagin, CSCS,
    sports performance intern coach at Cleveland State University, tells SELF.
    So adding strikes like lunges, single-leg glute bridges, and single-leg calf raises to your at-home leg workouts is a very easy approach to up the strengthening ante.
    So if issue isn’t the limiting factor, then perhaps
    it’s simply not knowing which leg exercises you should do, how typically you have to prepare, and how to construct efficient leg workouts.
    You’ll never skip leg day again after incorporating these exercises into your training
    routine. Building up your legs will do more than make your legs
    robust, however powerful legs will significantly improve your overall energy,
    believe it or not. If you didn't know, your legs play an important role within the "big three"
    compound movements, deadlifts and squats certainly, but in addition the bench press requires
    leg drive. Three workouts which are an excellent indicator of your general power.

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