{"id":13958,"date":"2018-10-30T16:28:48","date_gmt":"2018-10-30T15:28:48","guid":{"rendered":"https:\/\/tzbportal.sk\/?p=13958"},"modified":"2019-07-24T10:46:06","modified_gmt":"2019-07-24T08:46:06","slug":"preco-plati-ze-obnova-uspora","status":"publish","type":"post","link":"https:\/\/tzbportal.sk\/preco-plati-ze-obnova-uspora\/","title":{"rendered":"Pre\u010do plat\u00ed, \u017ee obnova = \u00faspora?"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><\/div><div class=\"fusion-text fusion-text-2\"><div id=\"drts-platform-render-662dc607ec2a9-1\" class=\"drts drts-main\"><h2>Prv\u00e1 stavebn\u00e1 sporite\u013e\u0148a, a. s.<\/h2>\n<div id=\"drts-platform-render-662dc607ec2a9-1-post-13192\" data-entity-id=\"13192\" class=\"drts-entity drts-entity-post drts-display drts-display--summary drts-display-default-summary\" data-type=\"post\" data-content-type=\"directory__listing\" data-content-name=\"firmy_dir_ltg\" data-display-type=\"entity\" data-display-name=\"summary\"><div data-name=\"columns\" class=\"drts-display-element drts-display-element-columns-1 drts-display-element-no-header\" style=\"\"><div class=\"drts-row drts-gutter-none\">\n<div data-name=\"column\" class=\"drts-display-element drts-display-element-column-1 directory-listing-aside  drts-col-12 drts-col-sm-4 drts-display-element-no-header\" style=\"\"><div data-name=\"entity_field_directory_photos\" class=\"drts-display-element drts-display-element-entity_field_directory_photos-1 directory-listing-photo \" style=\"\"><a href=\"https:\/\/tzbportal.sk\/firma\/prva-stavebna-sporitelna-a-s\/\" target=\"\"><div class=\"drts-display-element-hover-effect drts-display-element-hover-zoom\"><img src=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/PSS_Logo_Colour_2-RGB-300x153.jpg\" title=\"PSS_Logo_Colour_2\" alt=\"\" style=\"width:100%;height:auto\" \/><\/div><\/a><\/div><\/div>\n<div data-name=\"column\" class=\"drts-display-element drts-display-element-column-2 directory-listing-main  drts-col-12 drts-col-sm-8 drts-display-element-no-header\" style=\"\"><div data-name=\"entity_field_post_title\" class=\"drts-display-element drts-display-element-entity_field_post_title-1 drts-display-element-inlineable directory-listing-title \" style=\"\"><a href=\"https:\/\/tzbportal.sk\/firma\/prva-stavebna-sporitelna-a-s\/\" target=\"_self\" title=\"Prv\u00e1 stavebn\u00e1 sporite\u013e\u0148a, a. s.\" class=\" drts-entity-permalink drts-entity-13192\" data-type=\"post\" data-content-type=\"directory__listing\" data-content-name=\"firmy_dir_ltg\">Prv\u00e1 stavebn\u00e1 sporite\u013e\u0148a, a. s.<\/a><\/div>\n<div data-name=\"group\" class=\"drts-display-element drts-display-element-group-1 directory-listing-info drts-display-group-inline drts-display-element-no-header\" style=\"\"><div data-name=\"entity_field_directory_category\" class=\"drts-display-element drts-display-element-entity_field_directory_category-1 drts-display-element-inlineable \" style=\"\"><a href=\"https:\/\/tzbportal.sk\/kategoria\/financne-riesenia-poistovanie\/\" title=\"Finan\u010dn\u00e9 rie\u0161enia, pois\u0165ovanie\" class=\" drts-entity-permalink drts-entity-479\" data-type=\"term\" data-content-type=\"directory_category\" data-content-name=\"firmy_dir_cat\">Finan\u010dn\u00e9 rie\u0161enia, pois\u0165ovanie<\/a><\/div><\/div>\n<div data-name=\"entity_fieldlist\" class=\"drts-display-element drts-display-element-entity_fieldlist-1 directory-listing-contact-info drts-display-element-no-header\" style=\"\"><div class=\"drts-bs-list-group drts-bs-list-group-flush drts-entity-fieldlist drts-entity-fieldlist-sm\"><div class=\"drts-bs-list-group-item drts-bs-px-0 drts-bs-border-0\">\n<div class=\"drts-entity-field\">\n<div class=\"drts-entity-field-label drts-entity-field-label-type-icon\"><i class=\"fa-fw fas fa-map-marker-alt \"><\/i><\/div>\n<div class=\"drts-entity-field-value\"><div data-name=\"entity_field_location_address\" class=\"drts-display-element drts-display-element-entity_field_location_address-1 drts-display-element-inlineable \" style=\"\"><span class=\"drts-location-address drts-map-marker-trigger drts-map-marker-trigger-0\" data-key=\"0\">Bajkalsk\u00e1 30, Bratislava 25, 829 48<\/span><\/div><\/div>\n<\/div><\/div>\n<div class=\"drts-bs-list-group-item drts-bs-px-0 drts-bs-border-0\">\n<div class=\"drts-entity-field\">\n<div class=\"drts-entity-field-label drts-entity-field-label-type-icon\"><i class=\"fa-fw fas fa-phone \"><\/i><\/div>\n<div class=\"drts-entity-field-value\"><div data-name=\"entity_field_field_phone\" class=\"drts-display-element drts-display-element-entity_field_field_phone-1 drts-display-element-inlineable \" style=\"\"><a data-phone-number=\"&#48;&#50;&#53;8555&#56;55\" href=\"tel:&#48;&#50;&#53;8555&#56;55\">02\/58 55 58 55<\/a><\/div><\/div>\n<\/div><\/div>\n<div class=\"drts-bs-list-group-item drts-bs-px-0 drts-bs-border-0\">\n<div class=\"drts-entity-field\">\n<div class=\"drts-entity-field-label drts-entity-field-label-type-icon\"><i class=\"fa-fw fas fa-link \"><\/i><\/div>\n<div class=\"drts-entity-field-value\"><div data-name=\"entity_field_field_website\" class=\"drts-display-element drts-display-element-entity_field_field_website-1 drts-display-element-inlineable \" style=\"\"><a target=\"_blank\" rel=\"nofollow external noopener noreferrer\" href=\"http:\/\/www.pss.sk\">http:\/\/www.pss.sk<\/a><\/div><\/div>\n<\/div><\/div>\n<div class=\"drts-bs-list-group-item drts-bs-px-0 drts-bs-border-0\">\n<div class=\"drts-entity-field\">\n<div class=\"drts-entity-field-label drts-entity-field-label-type-icon\"><i class=\"fa-fw fas fa-at \"><\/i><\/div>\n<div class=\"drts-entity-field-value\"><div data-name=\"entity_field_field_email\" class=\"drts-display-element drts-display-element-entity_field_field_email-1 drts-display-element-inlineable \" style=\"\"><a href=\"mailto:ko&#109;&#117;&#110;ik&#97;c&#105;e&#64;ps&#115;&#46;&#115;&#107;\">ko&#109;&#117;&#110;ik&#97;c&#105;e&#64;ps&#115;&#46;&#115;&#107;<\/a><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<script type=\"text\/javascript\">document.addEventListener(\"DOMContentLoaded\", function(event) { var $ = jQuery;\nDRTS.init($(\"#drts-platform-render-662dc607ec2a9-1\"));\n});<\/script><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p>Ak by ste p\u00e1trali po tom, \u010di Slov\u00e1ci b\u00fdvaj\u00fa rad\u0161ej v\u00a0bytov\u00fdch alebo v\u00a0rodinn\u00fdch domoch, vy\u0161lo by v\u00e1m, \u017ee je to pribli\u017ene narovnako. Polovica obyvate\u013eov Slovenska \u017eije v\u00a0rodinn\u00fdch a\u00a0druh\u00e1 polovica v\u00a0bytov\u00fdch domoch.<\/p>\n<p>Jedni aj druh\u00ed sa o\u00a0svoje b\u00fdvanie musia stara\u0165 a\u00a0my sa teraz podrobnej\u0161ie pozrieme na t\u00fdch druh\u00fdch. Na Slovensku sa v\u00a0bytov\u00fdch domoch nach\u00e1dza takmer 900-tis\u00edc bytov. Tri \u0161tvrtiny z\u00a0bytov\u00fdch domov s\u00fa star\u0161ie ako 20 rokov. Vy\u017eaduj\u00fa si permanentn\u00e9 sledovanie technick\u00e9ho stavu a\u00a0n\u00e1sledn\u00e9 odstra\u0148ovanie nedostatkov. Z\u00e1rove\u0148 sa zvy\u0161uj\u00fa n\u00e1roky na tepeln\u00fa odolnos\u0165 vonkaj\u0161\u00edch obalov\u00fdch kon\u0161trukci\u00ed a\u00a0energetick\u00fa n\u00e1ro\u010dnos\u0165 budov. Nie, dnes u\u017e nie je \u00falohou \u0161t\u00e1tu zabezpe\u010dova\u0165 sladk\u00fd a\u00a0bezstarostn\u00fd sp\u00e1nok vlastn\u00edkov bytov v\u00a0bytov\u00fdch domoch tak ako v\u00a0minulosti. Kvalita \u017eivota v\u00a0bytovom dome je teraz z\u00e1le\u017eitos\u0165ou ka\u017ed\u00e9ho, kto v\u00a0\u0148om \u017eije.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><h2>Ke\u010f obnova, tak celkov\u00e1<\/h2>\n<p>Obnova bytov\u00fdch domov je proces, ktor\u00fd sa za\u010d\u00edna kr\u00e1tko po ich odovzdan\u00ed do u\u017e\u00edvania. Kvalitu ka\u017edej stavby ovplyv\u0148uje jej vek. Odstra\u0148ovanie syst\u00e9mov\u00fdch por\u00fach, pr\u00edpadne ch\u00fdb v\u00a0statike, je nevyhnutnos\u0165ou. D\u00f4le\u017eit\u00e9 je tie\u017e zni\u017eovanie n\u00e1kladov na energie. Je zn\u00e1me, \u017ee energetick\u00e1 n\u00e1ro\u010dnos\u0165 budov na Slovensku je a\u017e 2,5-kr\u00e1t vy\u0161\u0161ia, ako predstavuje celosvetov\u00fd priemer. Cenu energi\u00ed s\u00edce ovplyvni\u0165 nevieme, ale vieme si regulova\u0165 ich spotrebu. \u010c\u00edm menej tepla a\u00a0teplej vody spotrebujeme, t\u00fdm viac u\u0161etr\u00edme. Preto je vhodn\u00e9, aby star\u0161ie bytov\u00e9 domy podst\u00fapili obnovu, najlep\u0161ie celkov\u00fa.<\/p>\n<\/div><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin\"><a href=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z1.jpg\" class=\"fusion-lightbox\" data-rel=\"iLightbox[ec400023b54b235f8bd]\" data-title=\"pss_txt-z1\" title=\"pss_txt-z1\"><img decoding=\"async\" width=\"560\" height=\"299\" src=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z1.jpg\" alt class=\"img-responsive wp-image-13959\" srcset=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z1-200x107.jpg 200w, https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z1-400x214.jpg 400w, https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z1.jpg 560w\" sizes=\"(max-width: 800px) 100vw, 560px\" \/><\/a><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><h2>\u010co je potrebn\u00e9 urobi\u0165<\/h2>\n<p>S\u00fa\u010das\u0165ou takejto obnovy by bezpodmiene\u010dne mala by\u0165 oprava a\u00a0zateplenie balk\u00f3nov a\u00a0lod\u017ei\u00ed, v\u00fdmena okien a\u00a0vchodov\u00fdch dvier, rekon\u0161trukcia spolo\u010dn\u00fdch priestorov bytov\u00e9ho domu, zateplenie z\u00e1kladov, obvodov\u00fdch m\u00farov a\u00a0strechy domu&#8230; Nevyhnutnos\u0165ou je tie\u017e zabezpe\u010denie vyregulovania vykurovacej s\u00fastavy a\u00a0tepeln\u00e9 zaizolovanie a\u00a0vyregulovanie rozvodov teplej vody. Toto v\u0161etko s\u00fa opatrenia, v\u010faka ktor\u00fdm sa d\u00e1 z\u00e1sadne zn\u00ed\u017ei\u0165 spotreba energie cel\u00e9ho bytov\u00e9ho domu, a\u00a0teda aj jednotliv\u00fdch bytov, hoci aj o polovicu.<\/p>\n<\/div><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-zoomin\"><a href=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z2.jpg\" class=\"fusion-lightbox\" data-rel=\"iLightbox[fa68a12f5b1135d7db8]\" data-title=\"pss_txt-z2\" title=\"pss_txt-z2\"><img decoding=\"async\" width=\"558\" height=\"226\" src=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z2.jpg\" alt class=\"img-responsive wp-image-13960\" srcset=\"https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z2-200x81.jpg 200w, https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z2-400x162.jpg 400w, https:\/\/tzbportal.sk\/wp-content\/uploads\/2019\/07\/pss_txt-z2.jpg 558w\" sizes=\"(max-width: 800px) 100vw, 558px\" \/><\/a><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><h2>V\u00fdhodn\u00e9 finan\u010dn\u00e9 rie\u0161enie<\/h2>\n<p>Samozrejme, v\u0161etky tieto \u00fapravy si vy\u017eaduj\u00fa ist\u00fa finan\u010dn\u00fa invest\u00edciu. Je v\u00fdborn\u00e9, ak sa spr\u00e1vcovsk\u00e1 organiz\u00e1cia rozhodne pre d\u00f4kladn\u00fa a\u00a0bezpe\u010dn\u00fa pr\u00edpravu na bud\u00facnos\u0165 napr\u00edklad prostredn\u00edctvom stavebn\u00e9ho sporenia. \u010c\u00edm viac si vlastn\u00edci bytov nasporia, t\u00fdm ni\u017e\u0161\u00ed \u00faver na obnovu si potom bud\u00fa musie\u0165 zobra\u0165. Prv\u00e1 stavebn\u00e1 sporite\u013e\u0148a v\u00a0s\u00fa\u010dasnosti poskytuje \u00favery na obnovu bytov\u00fdch domov u\u017e od 1,25\u2005% ro\u010dne. Splatnos\u0165 t\u00fdchto \u00faverov s\u00a0jednoro\u010dnou fix\u00e1ciou m\u00f4\u017ee trva\u0165 a\u017e 30 rokov. Fix\u00e1cia \u00farokovej sadzby v\u0161ak m\u00f4\u017ee by\u0165 aj na 10 \u010di 15 rokov alebo dokonca i\u00a0na cel\u00fa dobu splatnosti \u00faveru. Mimochodom, podmienky pri vy\u0161\u0161\u00edch \u00faveroch v\u00e1m PSS stanov\u00ed individu\u00e1lne, pri\u010dom po\u017ei\u010dan\u00e9 prostriedky netreba ani zaklada\u0165 nehnute\u013enos\u0165ou. Sta\u010d\u00ed len vinkulova\u0165 tri mesa\u010dn\u00e9 spl\u00e1tky \u00faveru alebo zriadi\u0165 z\u00e1lo\u017en\u00e9 pr\u00e1vo k\u00a0poh\u013ead\u00e1vkam fondu \u00fadr\u017eby a\u00a0opr\u00e1v bytov\u00e9ho domu.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7\"><h2>Oslovte odborn\u00edkov<\/h2>\n<p class=\"NormalParagraphStyle\">Obr\u00e1\u0165te sa na obchodn\u00fdch z\u00e1stupcov Prvej stavebnej sporite\u013ene. Kontakty na nich n\u00e1jdete na <a href=\"http:\/\/www.pss.sk\"><span style=\"color: #0000ff;\">www.pss.sk<\/span><\/a> alebo zatelefonujte na <strong><span style=\"color: #0000ff;\">02\/55 58\u00a055\u00a058<\/span><\/strong>. Ochotne v\u00e1s nav\u0161t\u00edvia kdeko\u013evek. Pr\u00eddu aj na va\u0161u sch\u00f4dzu vlastn\u00edkov bytov.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":17,"featured_media":13959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pre\u010do plat\u00ed, \u017ee obnova = \u00faspora? - TZB port\u00e1l<\/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:\/\/tzbportal.sk\/preco-plati-ze-obnova-uspora\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre\u010do plat\u00ed, \u017ee obnova = \u00faspora? 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