{"id":51652,"date":"2025-10-06T07:57:24","date_gmt":"2025-10-06T07:57:24","guid":{"rendered":"https:\/\/crypto-globe.com\/?p=51652"},"modified":"2025-10-06T08:04:15","modified_gmt":"2025-10-06T08:04:15","slug":"kryptomeny-a-hypoteky-kedysi-problem-dnes-sa-trend-obracia","status":"publish","type":"post","link":"https:\/\/crypto-globe.com\/sk\/kryptomeny-a-hypoteky-kedysi-problem-dnes-sa-trend-obracia\/","title":{"rendered":"Kryptomeny a hypot\u00e9ky: kedysi probl\u00e9m, dnes sa trend obracia"},"content":{"rendered":"\n

Autor: Ali Daylami, hlavn\u00fd analytik BITmarkets<\/strong><\/h2>\n\n\n\n
\"Autor\"<\/figure>\n\n\n\n

Vz\u0165ah hypotek\u00e1rnych b\u00e1nk a ich klientov, ktor\u00ed pou\u017e\u00edvaj\u00fa krypto, prech\u00e1dza z\u00e1sadn\u00fdmi zmenami. K\u00fdm v minulosti banky pova\u017eovali obchodovanie s kryptomenami za podobne rizikov\u00fa \u010dinnos\u0165 ako napr\u00edklad st\u00e1vkovanie, v s\u00fa\u010dasnosti progres\u00edvne in\u0161tit\u00facie prich\u00e1dzaj\u00fa s produktmi a rie\u0161eniami, ako zo vz\u0165ahu hypot\u00e9ka\u2013krypto urobi\u0165 pre obe strany win-win situ\u00e1ciu. Analytici BITmarkets<\/a> sk\u00famali, v ktor\u00fdch krajin\u00e1ch a pri ktor\u00fdch in\u0161tit\u00faci\u00e1ch m\u00f4\u017eu investori premeni\u0165 krypto na svoju v\u00fdhodu a sna\u017eili sa vysledova\u0165 trendy.<\/p>\n\n\n\n

V Eur\u00f3pe, najm\u00e4 v Eur\u00f3pskej \u00fanii vr\u00e1tane Slovenska, st\u00e1le prevl\u00e1da konzervat\u00edvny pr\u00edstup tradi\u010dn\u00fdch b\u00e1nk k podmienkam z\u00edskania a financovania hypot\u00e9k. Progres\u00edvnych akt\u00e9rov tak anal\u00fdza na\u0161la predov\u0161etk\u00fdm v USA.<\/a> Okrem Spojen\u00fdch \u0161t\u00e1tov potom vynikaj\u00fa n\u00e1klonnos\u0165ou ku kryptomen\u00e1m hypotek\u00e1rne in\u0161tit\u00facie v Singapure (DBS Bank), Japonsku (Mizuho Bank, SBI Sumishin Net Bank), ale aj vo \u0160vaj\u010diarsku (AMINA Bank).<\/p>\n\n\n\n

USA na \u201efrontende\u201c<\/strong><\/h2>\n\n\n\n

Zatia\u013e \u010do transak\u010dn\u00e1 anal\u00fdza \u00fa\u010dtov, ktorou banky preveruj\u00fa klienta, u\u017e vo v\u00e4\u010d\u0161ine pr\u00edpadov krypto nepenalizuje, tzv. kolater\u00e1l na zabezpe\u010denie \u00faveru na b\u00fdvanie v podobe kryptomeny sa za\u010d\u00edna len rozv\u00edja\u0165. V USA v\u0161ak u\u017e za\u010diatkom roku 2022 fintechov\u00e1 a realitn\u00e1 spolo\u010dnos\u0165 Milo ozn\u00e1mila, \u017ee za\u010dne poskytova\u0165 hypot\u00e9ky zabezpe\u010den\u00e9 bitcoinom<\/strong>. Vtedaj\u0161\u00ed \u0161\u00e9f spolo\u010dnosti Milo, Josip Rupena, uviedol, \u017ee klienti bud\u00fa m\u00f4c\u0165 v\u010faka tomu z\u00edska\u0165 hypotek\u00e1rny \u00faver za ni\u017e\u0161ie \u00farokov\u00e9 sadzby.<\/p>\n\n\n\n

Tento smer v USA hr\u00e1 do kar\u00e1t \u0161pecializovan\u00fdm fintechov\u00fdm spolo\u010dnostiam, ktor\u00e9 sa zameriavaj\u00fa priamo na poskytovanie hypot\u00e9k kryt\u00fdch kryptomenami<\/strong>. Okrem spolo\u010dnosti Milo ide napr\u00edklad o Ledn, Nexo, Salt alebo banku Mercury, ktor\u00e1 sa s\u00fastre\u010fuje na biznisov\u00fa klientelu a najm\u00e4 startupy.<\/p>\n\n\n\n

Nezost\u00e1vaj\u00fa v\u0161ak bokom ani ve\u013ek\u00e9 zaveden\u00e9 bankov\u00e9 domy. Tak napr\u00edklad investi\u010dn\u00e1 banka Goldman Sachs za\u010dala akceptova\u0165 bitcoin<\/a> ako kolater\u00e1l u\u017e v roku 2022. Tento rok v j\u00fani sa \u010fal\u0161ia americk\u00e1 banka JPMorgan Chase vyjadrila, \u017ee taktie\u017e za\u010dne poskytova\u0165 \u00favery zabezpe\u010den\u00e9 kryptomenami a \u017ee pri posudzovan\u00ed bonity klientov bude zapo\u010d\u00edtava\u0165 aj ich majetok dr\u017ean\u00fd v kryptomen\u00e1ch.<\/p>\n\n\n\n

Legislat\u00edvne ukotvenie krypta v hypot\u00e9kach<\/strong><\/h2>\n\n\n\n

V\u00fdrazn\u00fdm krokom k posilneniu \u00falohy kryptomien<\/strong> pri poskytovan\u00ed \u00faverov na b\u00fdvanie je v USA aktu\u00e1lny n\u00e1vrh z\u00e1kona o hypot\u00e9kach, ktor\u00fd by naria\u010foval zahrn\u00fa\u0165 kryptomenov\u00e9 akt\u00edva \u017eiadate\u013eov o hypotek\u00e1rny \u00faver do posudzovania ich sp\u00f4sobilosti tak\u00fdto \u00faver z\u00edska\u0165.<\/p>\n\n\n\n

N\u00e1vrh koncom j\u00fala<\/a> predlo\u017eila americk\u00e1 sen\u00e1torka Cynthia Lummisov\u00e1. Z\u00e1kon smeruje na Kongresom zalo\u017een\u00e9 spolo\u010dnosti Fannie Mae a Freddie Mac s cie\u013eom zabezpe\u010di\u0165 stabilitu, likviditu a dostupnos\u0165 hypot\u00e9k na americkom trhu. Obe agent\u00fary maj\u00fa pripravi\u0165 n\u00e1vrhy, ako kryptomeny zapo\u010d\u00edtava\u0165 do majetku \u017eiadate\u013eov o hypotek\u00e1rne \u00favery.<\/p>\n\n\n\n

Fannie Mae a Freddie Mac by n\u00e1sledne mali uzn\u00e1va\u0165 kryptomeny, ktor\u00e9 s\u00fa dr\u017ean\u00e9 na americk\u00fdch regulovan\u00fdch burz\u00e1ch, ako s\u00fa\u010das\u0165 majetku \u017eiadate\u013eov o hypot\u00e9ku. T\u00ed by ich t\u00fdm p\u00e1dom mohli vyu\u017ei\u0165 na posilnenie bonity, bez toho aby ich museli pred\u00e1va\u0165 a prev\u00e1dza\u0165 na dol\u00e1re.<\/p>\n\n\n\n

Nov\u00e9 pravidl\u00e1 sa bud\u00fa musie\u0165 vysporiada\u0165 najm\u00e4 s volatilitou hodnoty kryptomien, preto\u017ee prudk\u00fd pokles ich hodnoty by mohol znamena\u0165, \u017ee bonita prestane sta\u010di\u0165 a dl\u017en\u00edk m\u00f4\u017ee ma\u0165 probl\u00e9my. Pravdepodobne to v\u0161ak bude ma\u0165 jednoduch\u00e9 rie\u0161enie \u2013 sta\u010d\u00ed dr\u017ea\u0165 v\u00fdrazne viac kryptomien, ne\u017e je nevyhnutn\u00e9. Podobne to rie\u0161i aj \u010desko-slovensk\u00fd startup Firefish, ktor\u00fd poskytuje p\u00f4\u017ei\u010dky proti z\u00e1lo\u017eke bitcoinu<\/strong>. S\u00fa\u010dasne v\u0161ak mus\u00ed \u00eds\u0165 o kryptomeny, ktor\u00e9 s\u00fa obchodovan\u00e9 na burze.<\/p>\n\n\n\n

Faktorom r\u00fdchleho prieniku krypta do hypot\u00e9k je neust\u00e1le rast\u00faci v\u00fdznam kryptoakt\u00edv v investi\u010dnom portf\u00f3liu drobn\u00fdch aj v\u00e4\u010d\u0161\u00edch investorov. \u010eal\u0161ou zjavnou realitou je, \u017ee tradi\u010dn\u00e9 bankov\u00e9 domy u\u017e teraz v tejto oblasti \u010delia ve\u013ekej konkurencii zo strany men\u0161\u00edch nebankov\u00fdch fintechov\u00fdch spolo\u010dnost\u00ed. V kone\u010dnom d\u00f4sledku m\u00f4\u017ee z tohto v\u00fdvoja \u0165a\u017ei\u0165 predov\u0161etk\u00fdm koncov\u00fd klient, ktor\u00e9mu sa dostupnos\u0165 \u00faverov\u00fdch produktov zv\u00e4\u010d\u0161\u00ed a ich ponuka v\u00fdrazne roz\u0161\u00edri.<\/p>\n\n\n\n

O BITmarkets<\/strong><\/h2>\n\n\n\n

BITmarkets<\/a> je kryptomenov\u00e1 burza, ktor\u00e1 pon\u00faka podporu 24 hod\u00edn denne, 7 dn\u00ed v t\u00fd\u017edni vo viac ako 10 jazykoch. Investori sa m\u00f4\u017eu zapoji\u0165 do obchodovania s viac ako 200 kryptomenami<\/a> a z\u00edska\u0165 pr\u00edstup k denn\u00fdm trhov\u00fdm anal\u00fdzam a r\u00f4znorod\u00fdm vzdel\u00e1vac\u00edm materi\u00e1lom. Bezpe\u010dnos\u0165 je pre BITmarkets tou najvy\u0161\u0161ou prioritou, a preto je 99,9 % klientskych prostriedkov uchov\u00e1van\u00fdch v cold storage.<\/p>\n\n\n\n

BITmarkets na\u010falej men\u00ed sp\u00f4sob, ak\u00fdm retailov\u00ed aj in\u0161titucion\u00e1lni klienti pracuj\u00fa s digit\u00e1lnymi akt\u00edvami, so zameran\u00edm na to, aby boli kryptomeny dostupnej\u0161ie, zrozumite\u013enej\u0161ie a lep\u0161ie prepojen\u00e9 so \u0161ir\u0161\u00edm finan\u010dn\u00fdm svetom. \u010eal\u0161ie inform\u00e1cie o licen\u010dnom a regula\u010dnom r\u00e1mci BITmarkets<\/a> a v\u0161eobecn\u00e9 inform\u00e1cie a kontaktn\u00e9 \u00fadaje n\u00e1jdete na adrese www.bitmarkets.eu<\/a> alebo na str\u00e1nke burzy na CoinMarketCap.com<\/a>.<\/p>\n\n\n\n

Kontakty:<\/strong><\/h2>\n\n\n\n

support@bitmarkets.com<\/a><\/p>\n\n\n\n

marketing@bitmarkes.com<\/a><\/p>\n\n\n\n

Slu\u017eby spotov\u00e9ho obchodovania v\u00e1m poskytuje spolo\u010dnos\u0165 UAB BITmarkets, ktor\u00e1 je autorizovan\u00fdm prev\u00e1dzkovate\u013eom zmen\u00e1rne virtu\u00e1lnych mien a depozitnej pe\u0148a\u017eenky s virtu\u00e1lnymi menami v Litve. P\u00f4sob\u00ed pod registra\u010dn\u00fdm \u010d\u00edslom 306062346, je pod doh\u013eadom Slu\u017eby pre vy\u0161etrovanie finan\u010dnej kriminality a vystupuje pod ochrannou zn\u00e1mkou BITmarkets.<\/em><\/p>\n\n\n\n

D\u00f4vera vlo\u017een\u00e1 do zna\u010dky BITmarkets je pre n\u00e1s k\u013e\u00fa\u010dov\u00e1. Bu\u010fte, pros\u00edm, obozretn\u00ed vo\u010di podvodn\u00fdm webom, spr\u00e1vam alebo profilom na soci\u00e1lnych sie\u0165ach, ktor\u00e9 sa vyd\u00e1vaj\u00fa za BITmarkets alebo pou\u017e\u00edvaj\u00fa podobn\u00fd branding (napr\u00edklad n\u00e1zov alebo logo). V\u017edy si overte adresu URL a uistite sa, \u017ee komunikujete v\u00fdhradne prostredn\u00edctvom na\u0161ich ofici\u00e1lnych kan\u00e1lov. BITmarkets nikdy nevy\u017eaduje citliv\u00e9 inform\u00e1cie prostredn\u00edctvom neofici\u00e1lnych \u010di nevy\u017eiadan\u00fdch spr\u00e1v. V pr\u00edpade pochybnost\u00ed sa obr\u00e1\u0165te na na\u0161u ofici\u00e1lnu z\u00e1kazn\u00edcku podporu.<\/em><\/p>\n\n\n\n

Kryptoakt\u00edva s\u00fa neregulovan\u00e9, decentralizovan\u00e9 a vysoko volatiln\u00e9. Nes\u00fa so sebou zna\u010dn\u00e9 rizik\u00e1 a investori m\u00f4\u017eu pr\u00eds\u0165 o cel\u00fd investovan\u00fd kapit\u00e1l.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Autor: Ali Daylami, hlavn\u00fd analytik BITmarkets Vz\u0165ah hypotek\u00e1rnych b\u00e1nk a ich klientov, ktor\u00ed pou\u017e\u00edvaj\u00fa krypto, prech\u00e1dza z\u00e1sadn\u00fdmi zmenami. K\u00fdm v minulosti banky pova\u017eovali obchodovanie s kryptomenami za podobne rizikov\u00fa \u010dinnos\u0165 ako napr\u00edklad st\u00e1vkovanie, v s\u00fa\u010dasnosti progres\u00edvne in\u0161tit\u00facie prich\u00e1dzaj\u00fa s produktmi a rie\u0161eniami, ako zo vz\u0165ahu hypot\u00e9ka\u2013krypto urobi\u0165 pre obe strany win-win situ\u00e1ciu. Analytici BITmarkets sk\u00famali, […]<\/p>\n","protected":false},"author":2,"featured_media":51641,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[168],"tags":[97,471,89],"class_list":["post-51652","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kryptomeny-sk","tag-bitcoin-sk","tag-bitmarkets-7","tag-kryptomeny-sk"],"aioseo_notices":[],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"aioseo_meta":{"seo_title":"Kryptomeny a hypot\u00e9ky: trend sa obracia#separator_sa #site_title","meta_description":"V Eur\u00f3pe, najm\u00e4 v Eur\u00f3pskej \u00fanii vr\u00e1tane Slovenska, st\u00e1le prevl\u00e1da konzervat\u00edvny pr\u00edstup tradi\u010dn\u00fdch b\u00e1nk k podmienkam z\u00edskania a financovania hypot\u00e9k.","focus_keyword":""},"_links":{"self":[{"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/posts\/51652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/comments?post=51652"}],"version-history":[{"count":1,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/posts\/51652\/revisions"}],"predecessor-version":[{"id":51660,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/posts\/51652\/revisions\/51660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/media\/51641"}],"wp:attachment":[{"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/media?parent=51652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/categories?post=51652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crypto-globe.com\/sk\/wp-json\/wp\/v2\/tags?post=51652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}