{"id":328747,"date":"2023-07-24T08:18:35","date_gmt":"2023-07-24T06:18:35","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=328747"},"modified":"2023-07-24T08:18:37","modified_gmt":"2023-07-24T06:18:37","slug":"fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/","title":{"rendered":"FinTech Media Choice - nehnute\u013enosti a \u00faver s \u00farokom 1 %"},"content":{"rendered":"\n

Na\u010derpajte inform\u00e1cie z v\u00fdberu \u010dl\u00e1nkov in\u00fdch m\u00e9di\u00ed. Na\u0161e zhrnutie ka\u017ed\u00e9ho z nich V\u00e1m u\u0161etr\u00ed \u010das. N\u00e1jdete tu novinky zo sveta financi\u00ed, technol\u00f3gi\u00ed, aj nehnute\u013enost\u00ed. Pr\u00edjemn\u00e9 \u010d\u00edtanie!<\/p>\n\n\n\n

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Posun\u00fa\u0165 na trh alebo \u010daka\u0165? Odborn\u00edci radia, komu sa teraz oplat\u00ed preda\u0165 nehnute\u013enos\u0165<\/h3>\n\n\n\n

Pod\u013ea odborn\u00edkov<\/a> je v s\u00fa\u010dasnej situ\u00e1cii na realitnom trhu ide\u00e1lny \u010das na predaj star\u0161\u00edch nehnute\u013enost\u00ed, ktor\u00e9 bud\u00fa v bl\u00edzkej bud\u00facnosti potrebova\u0165 rekon\u0161trukciu, ale majitelia do nich u\u017e nepl\u00e1nuj\u00fa investova\u0165. Taktie\u017e je vhodn\u00e9 preda\u0165 nehnute\u013enosti, ktor\u00fdch spl\u00e1tka hypot\u00e9ky sa v\u00fdrazne zv\u00fd\u0161ila.<\/p>\n\n\n\n

Pod\u013ea Hany Bez\u00e1kovej, odborn\u00ed\u010dky na hypot\u00e9ky a financie, \u201eStar\u0161ie byty, v ktor\u00fdch bude v doh\u013eadom \u010dase potrebn\u00e1 rekon\u0161trukcia, av\u0161ak majitelia do nej u\u017e nepl\u00e1nuj\u00fa investova\u0165. Vzh\u013eadom na rast\u00face ceny stavebn\u00fdch materi\u00e1lov by pr\u00e1ve tento typ nehnute\u013enosti mohol najviac klesn\u00fa\u0165 na cene.\"<\/em><\/p>\n\n\n\n

J\u00e1n P\u00e1len\u010d\u00e1r, prezident N\u00e1rodnej asoci\u00e1cie realitn\u00fdch kancel\u00e1ri\u00ed, sa domnieva, \u017ee segment nad\u0161tandardn\u00fdch a luxusn\u00fdch nehnute\u013enost\u00ed je s\u00fa\u010dasnou situ\u00e1ciou na realitnom trhu, ktor\u00e1 znev\u00fdhod\u0148uje postavenie pred\u00e1vaj\u00facich, ovplyvnen\u00fd najmenej.<\/p>\n\n\n\n

Vladim\u00edr Kubrick\u00fd, analytik Realitnej \u00fanie SR, upozor\u0148uje, \u017ee \u201eStrechu nad hlavou si \u010dlovek kupuje s v\u00fdh\u013eadom, \u017ee pod \u0148ou str\u00e1vi dlh\u0161\u00ed \u010das. Nevstupuje na realitn\u00fd trh ka\u017ed\u00fd rok a klesaj\u00face ceny na port\u00e1loch ho neznepokojuj\u00fa. Vyru\u0161i\u0165 ho v\u0161ak dnes m\u00f4\u017ee refix\u00e1cia \u00farokovej sadzby na hypot\u00e9ke. Ke\u010f\u017ee mu zv\u00fd\u0161i spl\u00e1tku \u00faveru aj o 50 percent, m\u00f4\u017ee ho motivova\u0165 a\u017e k predaju nehnute\u013enosti.\"<\/em><\/p>\n\n\n\n

Martin \u010capo, riadite\u013e realitnej kancel\u00e1rie Rie\u0161ime b\u00fdvanie, rad\u00ed: \u201eV pr\u00edpade neinvesti\u010dn\u00fdch transakci\u00ed je dobr\u00e9 ich rie\u0161i\u0165 vtedy, ke\u010f je re\u00e1lna potreba. Nie je praktick\u00e9 odklada\u0165 predaj alebo k\u00fapu iba kv\u00f4li situ\u00e1cii na trhu, hoci sa skuto\u010dne potrebujeme posun\u00fa\u0165.\"<\/em><\/p>\n\n\n\n

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Ako odovzda\u0165 mili\u00f3n osemn\u00e1s\u0165ro\u010dn\u00e9mu die\u0165a\u0165u a ma\u0165 istotu, \u017ee ho nerozh\u00e1d\u017ee? Sk\u00faste tento test<\/h3>\n\n\n\n

V\u00e4\u010d\u0161ina rodi\u010dov odklad\u00e1 peniaze pre svoje deti na bud\u00facnos\u0165, pri\u010dom tretina to rob\u00ed u\u017e od ich narodenia. Zvy\u010dajne sa rozhoduj\u00fa pre konzervat\u00edvne sporenie, ale t\u00ed, ktor\u00ed sa neboja investova\u0165, m\u00f4\u017eu svojmu potomkovi pri mesa\u010dnej \u00falo\u017eke dvoch tis\u00edc kor\u00fan (80 eur) predlo\u017ei\u0165 k osmn\u00e1stym narodenin\u00e1m aj mili\u00f3n (41 000 eur). Av\u0161ak, ako sa bl\u00ed\u017ei dospelos\u0165, mnoh\u00fdch rodi\u010dov za\u010dn\u00fa tr\u00e1pi\u0165 pochybnosti, \u010di je ich potomok dostato\u010dne vyspel\u00fd a finan\u010dne gramotn\u00fd, aby nov\u00fd kapit\u00e1l nerozh\u00e1dzal. Vysk\u00fa\u0161ajte<\/a> jeho finan\u010dn\u00fa gramotnos\u0165.<\/p>\n\n\n\n

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Nasdaq patr\u00ed vo vyu\u017e\u00edvan\u00ed umelej inteligencie medzi l\u00eddrov. Teraz chce nasadi\u0165 najnov\u0161ie jazykov\u00e9 modely<\/h3>\n\n\n\n

Burza Nasdaq je l\u00eddrom vo vyu\u017e\u00edvan\u00ed umelej inteligencie (AI) a pl\u00e1nuje nasadi\u0165<\/a> najnov\u0161ie jazykov\u00e9 modely. Nasdaq za\u010dal implementova\u0165 AI do svojich procesov u\u017e v roku 2019 a teraz sk\u00fama, ako vyu\u017ei\u0165 generat\u00edvnu AI na boj proti finan\u010dnej kriminalite.<\/p>\n\n\n\n

Nasdaq pl\u00e1nuje vyu\u017ei\u0165 AI na rie\u0161enie podvodov s bankov\u00fdmi prevodmi a na odha\u013eovanie fal\u0161ovan\u00fdch \u0161ekov. Predt\u00fdm, ako zamestnanci spolo\u010dnosti dostan\u00fa povolenie pou\u017e\u00edva\u0165 umel\u00fa inteligenciu pri v\u00fdkone svojej pr\u00e1ce, musia absolvova\u0165 \u0161kolenie.<\/p>\n\n\n\n

Organiz\u00e1cia pre hospod\u00e1rsku spolupr\u00e1cu a rozvoj (OECD) vyz\u00fdva k opatrnosti pri implement\u00e1cii AI, preto\u017ee m\u00f4\u017ee ma\u0165 aj negat\u00edvne vplyvy, ako napr\u00edklad nahradenie mnoh\u00fdch pracovn\u00fdch poz\u00edci\u00ed a vytvorenie etick\u00fdch probl\u00e9mov. Napriek tomu, AI m\u00f4\u017ee podpori\u0165 hospod\u00e1rsky rast a zv\u00fd\u0161i\u0165 hrub\u00fd dom\u00e1ci produkt o 7 %.<\/p>\n\n\n\n

Vyu\u017e\u00edva\u0165 AI pl\u00e1nuj\u00fa aj technologick\u00e9 giganty ako IBM a Amazon. IBM uva\u017euje o vyu\u017eit\u00ed vlastn\u00fdch \u010dipov AI na prev\u00e1dzku cloudovej v\u00fdpo\u010dtovej slu\u017eby, aby zn\u00ed\u017eila n\u00e1klady. Amazon sa chv\u00e1li svoj\u00edm nov\u00fdm po\u010dinom cez Amazon Web Services (AWS), ktor\u00fd poskytuje cloudov\u00e9 slu\u017eby cez modely umelej inteligencie Titan.<\/p>\n\n\n\n

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Skupina Slov\u00e1kov m\u00f4\u017ee od \u0161t\u00e1tu z\u00edska\u0165 \u00faver na b\u00fdvanie s \u00farokom 1 %. Mo\u017enos\u0165, o ktorej tu\u0161\u00ed m\u00e1lokto<\/h3>\n\n\n\n

Mlad\u00ed man\u017eelia na Slovensku maj\u00fa mo\u017enos\u0165 z\u00edska\u0165<\/a> od \u0161t\u00e1tu p\u00f4\u017ei\u010dku na b\u00fdvanie s \u00farokovou sadzbou len 1 % na obdobie a\u017e 40 rokov. T\u00e1to mo\u017enos\u0165 je v\u0161ak m\u00e1lo zn\u00e1ma a ro\u010dne o \u0148u po\u017eiada len nieko\u013eko desiatok ob\u010danov.<\/p>\n\n\n\n

\u0160t\u00e1tny fond rozvoja b\u00fdvania (\u0160FRB) poskytuje mladoman\u017eelsk\u00e9 p\u00f4\u017ei\u010dky ako formu finan\u010dnej podpory pre b\u00fdvanie. O tento druh \u0161t\u00e1tom garantovan\u00e9ho \u00faveru m\u00f4\u017eu po\u017eiada\u0165 iba man\u017eelia, ktor\u00ed maj\u00fa v de\u0148 podania \u017eiadosti do 35 rokov a vzali sa najnesk\u00f4r pred 36 mesiacmi od podania \u017eiadosti.<\/p>\n\n\n\n

\u0160FRB poskytuje \u00favery a\u017e do v\u00fd\u0161ky 120-tis\u00edc eur s ve\u013emi v\u00fdhodnou \u00farokovou sadzbou 1 % a mo\u017enos\u0165ou spl\u00e1cania a\u017e 40 rokov. Tieto spl\u00e1tky m\u00f4\u017eu trva\u0165 a\u017e do 65. roku veku \u017eiadate\u013eov. V porovnan\u00ed s priemernou \u00farokovou sadzbou nov\u00fdch hypot\u00e9k, ktor\u00e1 dosahuje 3,53 %, je t\u00e1to forma podpory ove\u013ea v\u00fdhodnej\u0161ia.<\/p>\n\n\n\n

Okrem toho, \u0161t\u00e1t poskytuje finan\u010dn\u00fa podporu aj na pr\u00edpadn\u00e9 rekon\u0161trukcie dom\u00e1cnosti. \u0160FRB umo\u017e\u0148uje \u00faver, ktor\u00fd m\u00f4\u017ee pokry\u0165 a\u017e 100 % n\u00e1kladov na stavebn\u00e9 \u00fapravy bytu. V tomto pr\u00edpade je maxim\u00e1lna v\u00fd\u0161ka \u00faveru 30-tis\u00edc eur a spl\u00e1canie sa m\u00f4\u017ee rozlo\u017ei\u0165 na obdobie a\u017e 20 rokov, pri\u010dom \u00farokov\u00e1 sadzba je st\u00e1le len 1 %. Av\u0161ak na z\u00edskanie \u0161t\u00e1tneho \u00faveru na rekon\u0161trukcie plat\u00ed podmienka, \u017ee nehnute\u013enos\u0165, na ktor\u00fa sa \u00faver vz\u0165ahuje, mus\u00ed by\u0165 u\u017e minim\u00e1lne 10 rokov v u\u017e\u00edvan\u00ed.<\/p>\n\n\n\n

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Pripravte sa na bud\u00facnos\u0165<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Na\u010derpajte inform\u00e1cie z v\u00fdberu \u010dl\u00e1nkov in\u00fdch m\u00e9di\u00ed. Na\u0161e zhrnutie ka\u017ed\u00e9ho z nich V\u00e1m u\u0161etr\u00ed \u010das. N\u00e1jdete tu novinky zo sveta financi\u00ed, technol\u00f3gi\u00ed, aj nehnute\u013enost\u00ed. Pr\u00edjemn\u00e9 \u010d\u00edtanie! Posun\u00fa\u0165 na trh alebo \u010daka\u0165? Odborn\u00edci radia, komu sa teraz oplat\u00ed preda\u0165 nehnute\u013enos\u0165 Pod\u013ea odborn\u00edkov je v s\u00fa\u010dasnej situ\u00e1cii na realitnom trhu ide\u00e1lny \u010das na predaj star\u0161\u00edch nehnute\u013enost\u00ed, ktor\u00e9 […]<\/p>\n","protected":false},"author":14,"featured_media":328755,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[],"acf":[],"yoast_head":"\nFinTech Media Choice - nehnute\u013enosti a \u00faver s \u00farokom 1 % - Invest in Slovakia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FinTech Media Choice - nehnute\u013enosti a \u00faver s \u00farokom 1 % - Invest in Slovakia\" \/>\n<meta property=\"og:description\" content=\"Na\u010derpajte inform\u00e1cie z v\u00fdberu \u010dl\u00e1nkov in\u00fdch m\u00e9di\u00ed. 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Odborn\u00edci radia, komu sa teraz oplat\u00ed preda\u0165 nehnute\u013enos\u0165 Pod\u013ea odborn\u00edkov je v s\u00fa\u010dasnej situ\u00e1cii na realitnom trhu ide\u00e1lny \u010das na predaj star\u0161\u00edch nehnute\u013enost\u00ed, ktor\u00e9 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/\" \/>\n<meta property=\"og:site_name\" content=\"Invest in Slovakia\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-24T06:18:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T06:18:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/investinslovakia.eu\/wp-content\/uploads\/2023\/07\/shutterstock_613400372-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"l.lukacko\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"l.lukacko\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/\"},\"author\":{\"name\":\"l.lukacko\",\"@id\":\"https:\/\/investinslovakia.eu\/#\/schema\/person\/f88842219807ed13005eba4ee3f1ca6d\"},\"headline\":\"FinTech Media Choice - 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Na\u0161e zhrnutie ka\u017ed\u00e9ho z nich V\u00e1m u\u0161etr\u00ed \u010das. N\u00e1jdete tu novinky zo sveta financi\u00ed, technol\u00f3gi\u00ed, aj nehnute\u013enost\u00ed. Pr\u00edjemn\u00e9 \u010d\u00edtanie! Posun\u00fa\u0165 na trh alebo \u010daka\u0165? Odborn\u00edci radia, komu sa teraz oplat\u00ed preda\u0165 nehnute\u013enos\u0165 Pod\u013ea odborn\u00edkov je v s\u00fa\u010dasnej situ\u00e1cii na realitnom trhu ide\u00e1lny \u010das na predaj star\u0161\u00edch nehnute\u013enost\u00ed, ktor\u00e9 […]","og_url":"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/","og_site_name":"Invest in Slovakia","article_published_time":"2023-07-24T06:18:35+00:00","article_modified_time":"2023-07-24T06:18:37+00:00","og_image":[{"width":2560,"height":1709,"url":"https:\/\/investinslovakia.eu\/wp-content\/uploads\/2023\/07\/shutterstock_613400372-scaled.jpg","type":"image\/jpeg"}],"author":"l.lukacko","twitter_card":"summary_large_image","twitter_misc":{"Autor":"l.lukacko","Predpokladan\u00fd \u010das \u010d\u00edtania":"4 min\u00faty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/#article","isPartOf":{"@id":"https:\/\/investinslovakia.eu\/fintech-media-choice-nehnutelnosti-a-uver-s-urokom-1\/"},"author":{"name":"l.lukacko","@id":"https:\/\/investinslovakia.eu\/#\/schema\/person\/f88842219807ed13005eba4ee3f1ca6d"},"headline":"FinTech Media Choice - 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