[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sanelo.cz\/premyslite-o-hypotece-ale-nejste-si-v-necem-jisti-poradime-vam\/#Article","mainEntityOfPage":"https:\/\/www.sanelo.cz\/premyslite-o-hypotece-ale-nejste-si-v-necem-jisti-poradime-vam\/","headline":"P\u0159em\u00fd\u0161l\u00edte o hypot\u00e9ce, ale nejste si v n\u011b\u010dem jisti? Porad\u00edme v\u00e1m!","name":"P\u0159em\u00fd\u0161l\u00edte o hypot\u00e9ce, ale nejste si v n\u011b\u010dem jisti? Porad\u00edme v\u00e1m!","description":"Z\u00a0dlouhodob\u00e9ho hlediska je bydlen\u00ed v\u00a0podn\u00e1jmu velice nev\u00fdhodn\u00e9. \u010c\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed proto up\u0159ednost\u0148uje mo\u017enost vlastn\u00edho bydlen\u00ed. Drtiv\u00e1 v\u011bt\u0161ina z\u00a0n\u00e1s v\u0161ak nem\u00e1 dostatek finan\u010dn\u00edch prost\u0159edk\u016f k\u00a0tomu, aby takov\u00fdto nadstandardn\u00ed v\u00fddaj hotov\u011b vydali ze sv\u00e9 pen\u011b\u017eenky. Pr\u00e1v\u011b pro tyto p\u0159\u00edpady je tu hypot\u00e9ka. \u00a0 Co je hypote\u010dn\u00ed \u00fav\u011br? Stru\u010dn\u011b \u0159e\u010deno je to \u00fav\u011br neboli p\u016fj\u010dka\u00a0ur\u010den\u00e1\u00a0fyzick\u00fdm\u00a0i\u00a0pr\u00e1vnick\u00fdm osob\u00e1m. […]","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.sanelo.cz\/author\/#Person","name":"sanelo.cz\n","url":"https:\/\/www.sanelo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sanelo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.sanelo.cz\/premyslite-o-hypotece-ale-nejste-si-v-necem-jisti-poradime-vam\/","about":["Pen\u00edze"],"wordCount":492,"articleBody":"Z\u00a0dlouhodob\u00e9ho hlediska je bydlen\u00ed v\u00a0podn\u00e1jmu velice nev\u00fdhodn\u00e9. \u010c\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed proto up\u0159ednost\u0148uje mo\u017enost vlastn\u00edho bydlen\u00ed. Drtiv\u00e1 v\u011bt\u0161ina z\u00a0n\u00e1s v\u0161ak nem\u00e1 dostatek finan\u010dn\u00edch prost\u0159edk\u016f k\u00a0tomu, aby takov\u00fdto nadstandardn\u00ed v\u00fddaj hotov\u011b vydali ze sv\u00e9 pen\u011b\u017eenky. Pr\u00e1v\u011b pro tyto p\u0159\u00edpady je tu hypot\u00e9ka.\u00a0Co je hypote\u010dn\u00ed \u00fav\u011br? Stru\u010dn\u011b \u0159e\u010deno je to \u00fav\u011br neboli p\u016fj\u010dka\u00a0ur\u010den\u00e1\u00a0fyzick\u00fdm\u00a0i\u00a0pr\u00e1vnick\u00fdm osob\u00e1m. Zaji\u0161t\u011bn\u00ed prob\u00edh\u00e1 pomoc\u00ed z\u00e1stavn\u00edho pr\u00e1va (obvykle financovanou nemovitost\u00ed). Z\u00e1stava(nemovitost) m\u016f\u017ee b\u00fdt v p\u0159\u00edpad\u011b nespln\u011bn\u00ed pohled\u00e1vky (neplacen\u00ed) zpen\u011b\u017eena a v\u00fdt\u011b\u017eek z\u00edsk\u00e1\u00a0v\u011b\u0159itel.Druhy hypot\u00e9k. \u00da\u010delov\u00e1 hypot\u00e9ka je v\u00e1z\u00e1na na investici do nemovitosti a banka (\u00fastav) chce potvrzen\u00ed o jej\u00edm vyu\u017eit\u00ed. V\u00fdhodou \u00fa\u010delov\u00e9 hypot\u00e9ky jsou ni\u017e\u0161\u00ed \u00faroky. Ne\u00fa\u010delov\u00e1 hypot\u00e9ka (tzv. americk\u00e1) m\u00e1 v\u00fdhodu v\u00a0tom, \u017ee nemus\u00edte oznamovat \u00fa\u010del jej\u00edho vyu\u017eit\u00ed, je v\u00e1m ale poskytnuta s\u00a0vy\u0161\u0161\u00edmi \u00faroky.Kdo m\u016f\u017ee po\u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br? Za\u017e\u00e1dat si m\u016f\u017ee ka\u017ed\u00fd zletil\u00fd ob\u010dan \u010cR nebo cizinec s\u00a0trval\u00fdm pobytem. Ne\u017e se hypot\u00e9ka vyd\u00e1na, posuzuje se schopnost potencion\u00e1ln\u00edho dlu\u017en\u00edka spl\u00e1cet \u00fav\u011br a to t\u00edm, \u017ee prok\u00e1\u017ee dostate\u010dnou v\u00fd\u0161i p\u0159\u00edjm\u016f (ze zam\u011bstn\u00e1n\u00ed,\u00a0podnik\u00e1n\u00ed, soci\u00e1ln\u00edch d\u00e1vek\u2026) U zam\u011bstnance je to pomoc\u00ed potvrzen\u00ed o p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed a u podnikateleda\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm. D\u00e1le je d\u016fle\u017eit\u00e1 i dobr\u00e1 platebn\u00ed historie (placen\u00ed z\u00e1vazk\u016f v\u010das).\u00da\u010del hypot\u00e9ky: \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 z\u00edsk\u00e1n\u00ed nemovitost\u00ed do osobn\u00edho vlastnictv\u00ed\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 v\u00fdstavba, rekonstrukce, modernizace, opravy a p\u0159\u00edstavby\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0159e\u0161en\u00ed probl\u00e9m\u016f se spoluvlastnictv\u00edm \u010di d\u011bdick\u00fdmi pod\u00edly\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 financov\u00e1n\u00ed dru\u017estevn\u00edho pod\u00edlu nebo \u00fahrada \u010dlenstv\u00edDruhy spl\u00e1cen\u00ed. Prvn\u00ed mo\u017enost\u00ed je anuitn\u00ed\u00a0spl\u00e1cen\u00ed \u2013 celou dobu trv\u00e1n\u00ed \u00fav\u011bru se plat\u00ed stejn\u011b vysok\u00e9 spl\u00e1tky, co\u017e se vyu\u017e\u00edv\u00e1 nej\u010dast\u011bji. Dal\u0161\u00edm typem je spl\u00e1cen\u00ed progresivn\u00ed\u00a0\u2013 ze za\u010d\u00e1tku se plat\u00ed ni\u017e\u0161\u00ed spl\u00e1tky a postupn\u011b v pr\u016fb\u011bhu let se zvy\u0161uj\u00ed. Nakonec degresivn\u00ed spl\u00e1tky \u2013 ze za\u010d\u00e1tku se plat\u00ed vy\u0161\u0161\u00ed spl\u00e1tky a pot\u00e9 se sni\u017euj\u00ed.U\u017eite\u010dn\u00e9 pojmy:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00darokov\u00e1 sazba = nav\u00fd\u0161en\u00ed vyp\u016fj\u010den\u00e9 \u010d\u00e1stky za ur\u010dit\u00e9 \u010dasov\u00e9 obdob\u00ed (%), u hypot\u00e9k za rok (= per annum). \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Doba fixace = doba, za kterou je nem\u011bn\u00ed v\u00fd\u0161e \u00farokov\u00e9 sazby.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Refinancov\u00e1n\u00ed = splacen\u00ed ji\u017e existuj\u00edc\u00edho \u00fav\u011bru u jedn\u00e9 banky nov\u00fdm od banky jin\u00e9.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Konsolidace = slou\u010den\u00ed v\u00edce p\u016fj\u010dek v\u00a0jednu.\u00a0A\u0165 u\u017e chcete z\u00edskat hypot\u00e9ku, nebo jen                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159em\u00fd\u0161l\u00edte o hypot\u00e9ce, ale nejste si v n\u011b\u010dem jisti? Porad\u00edme v\u00e1m!","item":"https:\/\/www.sanelo.cz\/premyslite-o-hypotece-ale-nejste-si-v-necem-jisti-poradime-vam\/#breadcrumbitem"}]}]