[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.grapz.cz\/za-jakych-podminek-je-mozne-zadat-o-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.grapz.cz\/za-jakych-podminek-je-mozne-zadat-o-hypoteku\/","headline":"Za jak\u00fdch podm\u00ednek je mo\u017en\u00e9 \u017e\u00e1dat o hypot\u00e9ku?","name":"Za jak\u00fdch podm\u00ednek je mo\u017en\u00e9 \u017e\u00e1dat o hypot\u00e9ku?","description":"Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem stoupaj\u00ed a zd\u00e1 se, \u017ee jen tak nedojde ke stagnaci. Financovat tak bydlen\u00ed z vlastn\u00edch \u00faspor je zhola nemo\u017en\u00e9, tedy v","datePublished":"2021-04-12","dateModified":"2021-04-12","author":{"@type":"Person","@id":"https:\/\/www.grapz.cz\/author\/#Person","name":"","url":"https:\/\/www.grapz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"grapz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.grapz.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_7.jpg","url":"https:\/\/www.grapz.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.grapz.cz\/za-jakych-podminek-je-mozne-zadat-o-hypoteku\/","about":["Www"],"wordCount":423,"articleBody":"   Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem stoupaj\u00ed a zd\u00e1 se, \u017ee jen tak nedojde ke stagnaci. Financovat tak bydlen\u00ed z vlastn\u00edch \u00faspor je zhola nemo\u017en\u00e9, tedy v p\u0159\u00edpad\u011b, kdy nem\u00e1te pod matrac\u00ed schovan\u00e9 miliony. Proto se \u0159ada lid\u00ed uchyluje k jedin\u00e9 sp\u00e1sn\u00e9 my\u0161lence \u2013 hypot\u00e9ce. Je ale pot\u0159eba si uv\u011bdomit, \u017ee se jedn\u00e1 o velk\u00fd z\u00e1vazek, kter\u00fd n\u00e1\u0161 rodinn\u00fd rozpo\u010det ovlivn\u00ed na roky dop\u0159edu. Dob\u0159e proto zva\u017ete podm\u00ednky, kter\u00e9 v\u00e1m jednotliv\u00e9 banky nab\u00edzej\u00ed, p\u0159eci jenom nejedn\u00e1 se o spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd hrav\u011b splat\u00edte za p\u00e1r let. Klasick\u00e1 hypot\u00e9ka na bydlen\u00ed je pro mnoh\u00e9 velmi svazuj\u00edc\u00ed a i z tohoto d\u016fvodu st\u00e1le v\u00edce lid\u00ed uva\u017euje o tzv. americk\u00e9 hypot\u00e9ce Fahd. Jedn\u00e1 se o ne\u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd m\u016f\u017ee dlu\u017en\u00edk vyu\u017e\u00edt dle sv\u00e9ho uv\u00e1\u017een\u00ed. Mo\u017en\u00e1 tak trochu ne\u0161\u0165astn\u011b nazvan\u00e1 americk\u00e1 hypot\u00e9ka tak v dob\u011b snoub\u00ed prvky klasick\u00e9ho hypote\u010dn\u00edho i spot\u0159ebitelsk\u00e9ho \u00fav\u011bru.V\u011bkPrvn\u00ed podm\u00ednkou, kter\u00e1 je pro mnoh\u00e9 samoz\u0159ejmost. Minim\u00e1ln\u00ed v\u011bk pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je 18 let. Maxim\u00e1ln\u00ed mo\u017en\u00fd v\u011bk, kdy je mo\u017en\u00e9 o hypot\u00e9ku po\u017e\u00e1dat, stanoven\u00fd nen\u00ed. P\u0159esto je obecn\u00e9 doporu\u010den\u00ed si o n\u00ed po\u017e\u00e1dat do 45 roku \u017eivota, aby m\u011bl \u017eadatel na spl\u00e1cen\u00ed alespo\u0148 20 let. \u010cesk\u00e1 n\u00e1rodn\u00ed banka toti\u017e upravuje maxim\u00e1ln\u00ed v\u011bk, do kdy mus\u00ed b\u00fdt \u00fav\u011br splacen. Tato v\u011bkov\u00e1 hranice je v sou\u010dasnosti 65 let. P\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je pro banku jasn\u00fdm ukazatelem, \u017ee je \u017eadatel schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Z m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a v\u00fddaj\u016f si banka snadno dopo\u010d\u00edt\u00e1 bilanci \u017eadatele a ur\u010d\u00ed, zda je schopen spl\u00e1cet m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, kter\u00e1 mu byla navrhnuta. Do m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f se pak zapo\u010d\u00edt\u00e1vaj\u00ed ve\u0161ker\u00e9 p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, n\u011bkter\u00e9 banky nav\u00edc akceptuj\u00ed i p\u0159\u00edjem z pron\u00e1jmu nebo starobn\u00ed d\u016fchodu. Negativn\u00ed z\u00e1znam v registrechV p\u0159\u00edpad\u011b \u017e\u00e1dosti o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt, mus\u00ed b\u00fdt \u017eadatel bez negativn\u00edho z\u00e1znamu v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. Pokud tomu tak nen\u00ed, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed jeho \u017e\u00e1dost neobstoj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za jak\u00fdch podm\u00ednek je mo\u017en\u00e9 \u017e\u00e1dat o hypot\u00e9ku?","item":"https:\/\/www.grapz.cz\/za-jakych-podminek-je-mozne-zadat-o-hypoteku\/#breadcrumbitem"}]}]