[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sohm.cz\/kdy-pozadat-o-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.sohm.cz\/kdy-pozadat-o-hypoteku\/","headline":"Kdy po\u017e\u00e1dat o hypot\u00e9ku?","name":"Kdy po\u017e\u00e1dat o hypot\u00e9ku?","description":"Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed se uzav\u00edr\u00e1 pov\u011bt\u0161inou i na n\u011bkolik des\u00edtek let. Z toho vypl\u00fdv\u00e1 jedin\u00e9, p\u0159ed podpisem smlouvy byste si m\u011bli dob\u0159e rozmyslet, pro\u010d…","datePublished":"2021-08-29","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.sohm.cz\/author\/#Person","name":"","url":"https:\/\/www.sohm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sohm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sohm.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_10_1.jpg","url":"https:\/\/www.sohm.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.sohm.cz\/kdy-pozadat-o-hypoteku\/","about":["Pen\u00edze"],"wordCount":411,"articleBody":"        Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed se uzav\u00edr\u00e1 pov\u011bt\u0161inou i na n\u011bkolik des\u00edtek let. Z toho vypl\u00fdv\u00e1 jedin\u00e9, p\u0159ed podpisem smlouvy byste si m\u011bli dob\u0159e rozmyslet, pro\u010d se pro n\u011bj rozhodujete. Mnoho lid\u00ed ho vol\u00ed prim\u00e1rn\u011b z d\u016fvodu po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem rostou a dos\u00e1hnout na nemovitost bez vlastn\u00edch financ\u00ed m\u016f\u017ee m\u00fdt velmi obt\u00ed\u017en\u00e9. Jen\u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a u\u017e d\u00e1vno neplat\u00ed, \u017ee j\u00ed z\u00edsk\u00e1 ka\u017ed\u00fd, kdo si o n\u00ed po\u017e\u00e1d\u00e1.V sou\u010dasn\u00e9 dob\u011b je na trhu p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 ukl\u00e1d\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. Co z toho vypl\u00fdv\u00e1? I kdyby banky cht\u011bly p\u016fj\u010dit, slo\u017eit\u011b nastaven\u00e9 podm\u00ednky jim to neumo\u017e\u0148uj\u00ed. Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy m\u00e1te ji\u017e n\u011bjakou finan\u010dn\u00ed minulost a dok\u00e1\u017eete bez probl\u00e9m\u016f spl\u00e1cet. V p\u0159\u00edpad\u011b v\u011bkov\u00e9 hranice to je plnoletost, nejvy\u0161\u0161\u00ed v\u011bkovou hranici ji\u017e z\u00e1kon nijak neupravuje. Pouze pravideln\u00fd p\u0159\u00edjem ale nesta\u010d\u00ed, banky pov\u011bt\u0161inou prov\u011b\u0159uj\u00ed i dal\u0161\u00ed aspekty. Tak aby m\u011bly co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed jistotu, \u017ee se j\u00edm vyp\u016fj\u010den\u00fd obnos pen\u011bz zase vr\u00e1t\u00ed. Hypot\u00e9ka na stavu domu, rekonstrukci \u010di koupi nemovitosti nab\u00edz\u00ed v sou\u010dasn\u00e9 dob\u011b nejv\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu na trhu. Ta je d\u00e1na p\u0159ev\u00e1\u017en\u011b jistou z\u00e1rukou v z\u00e1stav\u011b nemovitosti, kterou banka po \u017eadateli vy\u017eaduje. V p\u0159\u00edpad\u011b probl\u00e9m\u016f se spl\u00e1cen\u00edm m\u016f\u017ee nemovitost kdykoliv propadnout bance, kter\u00e9 j\u00ed m\u016f\u017ee bez souhlasu majitele vystavit k prodeji. Banky poskytuj\u00ed sv\u00fdm klient\u016fm hypote\u010dn\u00ed \u00fav\u011bry za p\u0159edpokladu, \u017ee jsou schopni spl\u00e1cet sv\u00e9 z\u00e1vazky. Pokud se \u017eadatel v minulosti ji\u017e ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se tato skute\u010dnost prom\u00edtne i p\u0159i \u017e\u00e1dosti i \u00fav\u011br. Zkr\u00e1tka z\u00edskat v dne\u0161n\u00ed dob\u011b t\u00ed\u017een\u00fd \u00fav\u011br m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e se zprvu zd\u00e1.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy po\u017e\u00e1dat o hypot\u00e9ku?","item":"https:\/\/www.sohm.cz\/kdy-pozadat-o-hypoteku\/#breadcrumbitem"}]}]