Výpočet hypotéky podľa príjmu, záväzkov a veku (DTI/DSTI)
Naša hypotekárna kalkulačka vám rýchlo vypočíta nielen výšku mesačnej splátky, ale aj celkové náklady na hypotéku – teda RPMN (ročnú percentuálnu mieru nákladov). Pre presnejší výpočet je potrebné zohľadniť aj ďalšie údaje – napríklad dĺžku fixácie, dátum podpisu zmluvy či čerpania hypotéky. Preto sa v dspd asl dasjldjkaslkdjxalsj da
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User Guide
EN guide
Step 1
RIEŠIM DIZAJN step 1
Step 2
step 2 RIEŠIM DIZAJN
Existing loanss
RIEŠIM DIZAJN EN step 3
Step 4
Step 4 texttt
Your maximum amount is currently limited by your monthly payments relative to income (DSTI).
Payments info
Maximum total monthly payment — the NBS DSTI ceiling on all credit products combined. It equals 60 % of your disposable income (net income minus household subsistence minimum). Includes: mortgage payments, consumer and other loan payments (stress-tested at +2 p.p.), fictional credit-card payments (3 % of the limit) and overdraft facilities.
Maximum payment for new mortgage — how much remains for the new mortgage after subtracting existing obligations from the total ceiling:
Total ceiling (60 % of disposable income) − stress-tested existing loan payments − fictional credit-card payments = Max. new mortgage payment
If you have no obligations or credit limits, both numbers are equal.
💡 Practical tip: every €100 of credit-card limit reduces your mortgage capacity by approximately €535 (at 30-year maturity). Before applying for a mortgage, consider cancelling any unused credit cards and overdraft facilities.
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