[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stex.cz\/jake-mame-moznosti-v-oblasti-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.stex.cz\/jake-mame-moznosti-v-oblasti-hypoteky\/","headline":"Jak\u00e9 m\u00e1me mo\u017enosti v oblasti hypot\u00e9ky?","name":"Jak\u00e9 m\u00e1me mo\u017enosti v oblasti hypot\u00e9ky?","description":"Prvn\u00ed, co v\u00e1s napadne, je samoz\u0159ejm\u011b klasick\u00e1 \u017e\u00e1dost o hypot\u00e9ku ve va\u0161\u00ed bance, p\u0159\u00edpadn\u011b v jin\u00e9 bance, pokud v\u00e1m nab\u00eddne lep\u0161\u00ed podm\u00ednky. Takovou mo\u017enost hypot\u00e9ky vol\u00ed v\u011bt\u0161ina lid\u00ed. U banky v\u011bt\u0161inou z\u00edsk\u00e1te nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, jako dlouhou dobu spl\u00e1cen\u00ed a n\u00edzk\u00e9 \u00faroky. Banka po v\u00e1s bude ale po\u017eadovat n\u011bkolik podm\u00ednek. Nesm\u00edte b\u00fdt v registru dlu\u017en\u00edk\u016f, m\u00e9n\u011b […]","datePublished":"2022-07-08","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.stex.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.stex.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stex.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(1)_2.jpg","url":"https:\/\/www.stex.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(1)_2.jpg","height":0,"width":0},"url":"https:\/\/www.stex.cz\/jake-mame-moznosti-v-oblasti-hypoteky\/","about":["Finance"],"wordCount":431,"articleBody":"          Prvn\u00ed, co v\u00e1s napadne, je samoz\u0159ejm\u011b klasick\u00e1 \u017e\u00e1dost o hypot\u00e9ku ve va\u0161\u00ed bance, p\u0159\u00edpadn\u011b v jin\u00e9 bance, pokud v\u00e1m nab\u00eddne lep\u0161\u00ed podm\u00ednky. Takovou mo\u017enost hypot\u00e9ky vol\u00ed v\u011bt\u0161ina lid\u00ed. U banky v\u011bt\u0161inou z\u00edsk\u00e1te nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, jako dlouhou dobu spl\u00e1cen\u00ed a n\u00edzk\u00e9 \u00faroky. Banka po v\u00e1s bude ale po\u017eadovat n\u011bkolik podm\u00ednek. Nesm\u00edte b\u00fdt v registru dlu\u017en\u00edk\u016f, m\u00e9n\u011b ne\u017e p\u011bt let po skon\u010den\u00ed insolvence a samoz\u0159ejm\u011b bude pot\u0159ebovat ve\u0161ker\u00e9 dolo\u017een\u00ed co se t\u00fdk\u00e1 va\u0161ich p\u0159\u00edjm\u016f. Do toho se \u0159ad\u00ed i nap\u0159\u00edklad dolo\u017een\u00ed, zda spl\u00e1c\u00edte alimenty a podobn\u011b.  V minul\u00fdch letech existovali banky, kter\u00e9 poskytovali hypot\u00e9ku i bez dolo\u017een\u00ed p\u0159\u00edjm\u016f. Dnes je takov\u00fdch bank u\u017e minim\u00e1ln\u011b. I kdyby v\u00e1m ale banka hypot\u00e9ku za takov\u00fdchto podm\u00ednek poskytla, mus\u00edte po\u010d\u00edtat se zna\u010dn\u011b znev\u00fdhodn\u011bn\u00fdmi podm\u00ednkami oproti b\u011b\u017en\u00e9mu hypote\u010dn\u00edmu \u00fav\u011bru, a to nap\u0159\u00edklad vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba a neposkytnut\u00ed cel\u00e9 po\u017eadovan\u00e9 \u010d\u00e1sti. V\u011bt\u0161inou poskytuj\u00ed p\u016fj\u010dku maxim\u00e1ln\u011b do 50 % ceny nemovitosti. Pot\u0159ebujete hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu? N\u011bkte\u0159\u00ed lid\u00e9 necht\u011bj\u00ed nebo nemohou dolo\u017eit sv\u00e9 p\u0159\u00edjmy z nejr\u016fzn\u011bj\u0161\u00edch d\u016fvod\u016f. I pro v\u00e1s existuje \u0159e\u0161en\u00ed a t\u00edm je nebankovn\u00ed hypot\u00e9ka. Nebankovn\u00ed spole\u010dnosti nemaj\u00ed zrovna dobrou pov\u011bst, jeliko\u017e si je v\u011bt\u0161ina lid\u00ed poj\u00ed s nev\u00fdhodn\u00fdmi podm\u00ednkami spl\u00e1cen\u00ed, ale pravdou je, \u017ee za posledn\u00ed roky vzrostla v t\u00e9to oblasti konkurence natolik, \u017ee si m\u016f\u017eete vyb\u00edrat tak, aby pro v\u00e1s byly podm\u00ednky co nejv\u00fdhodn\u011bj\u0161\u00ed. V\u00fdhodou je rychl\u00e9 z\u00edsk\u00e1n\u00ed pen\u011bz a \u010dasto bez nutnosti dokl\u00e1dat p\u0159\u00edjmy nebo nem\u00edt z\u00e1znam v registru dlu\u017en\u00edk\u016f. Nev\u00fdhodou naopak m\u016f\u017eou b\u00fdt vy\u0161\u0161\u00ed \u00faroky ne\u017e u hypote\u010dn\u00edho \u00fav\u011bru z\u00edskan\u00e9ho p\u0159es banku.   Dal\u0161\u00ed mo\u017enost\u00ed m\u016f\u017ee b\u00fdt americk\u00e1 hypot\u00e9ka. T\u00e9 se u n\u00e1s tak\u00e9 \u0159\u00edk\u00e1 ne\u00fa\u010delov\u00e1. Jej\u00ed v\u00fdhodou je, \u017ee z n\u00ed nemus\u00edte financovat jen n\u00e1kup nemovitosti, ale banka nepot\u0159ebuje v\u011bd\u011bt, co chcete p\u016fj\u010den\u00fdmi pen\u011bzi financovat. M\u016f\u017eete ji tedy pou\u017e\u00edt na n\u00e1kup nemovitosti, ale tak\u00e9 t\u0159eba na n\u00e1kup auta, mobiln\u00edho domu, rekonstrukci a podobn\u011b.                                                                                                                                                                                                                                                                                                                                                                                                  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