{"id":792,"date":"2019-02-15T15:57:00","date_gmt":"2019-02-15T14:57:00","guid":{"rendered":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/?p=792"},"modified":"2026-06-17T15:59:07","modified_gmt":"2026-06-17T13:59:07","slug":"hypoteka-v-kostce","status":"publish","type":"post","link":"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/hypoteka-v-kostce\/","title":{"rendered":"Hypot\u00e9ka v kostce"},"content":{"rendered":"\n

O hypot\u00e9k\u00e1ch a jejich nov\u00fdch pravidlech toho bylo v minul\u00fdch m\u011bs\u00edc\u00edch \u0159e\u010deno mnoho. Nicm\u00e9n\u011b opakov\u00e1n\u00ed je matka moudrosti. Poj\u010fme si tedy v kostce shrnout to nejd\u016fle\u017eit\u011bj\u0161\u00ed.<\/p>\n\n\n\n

    \n
  1. Zap\u016fj\u010den\u00e1 \u010d\u00e1stka od banky nesm\u00ed p\u0159ekro\u010dit dev\u00edtin\u00e1sobek \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu \u017eadatele.<\/strong>\u00a0Zam\u011bstnanci mus\u00ed bance dolo\u017eit potvrzenou kopii v\u00fdplatn\u00ed p\u00e1sky a rovn\u011b\u017e i potvrzen\u00ed zam\u011bstnavatele o v\u00fd\u0161i pr\u016fm\u011brn\u00e9ho p\u0159\u00edjmu. Pokud \u017eadatel zrovna nastoupil do nov\u00e9ho zam\u011bstn\u00e1n\u00ed a b\u011b\u017e\u00ed mu zku\u0161ebn\u00ed lh\u016fta, je dobr\u00e9 s\u00a0\u017e\u00e1dost\u00ed o hypot\u00e9ku po\u010dkat do jej\u00edho dob\u011bhnut\u00ed. OSV\u010c pak bance dolo\u017e\u00ed p\u0159izn\u00e1n\u00ed k\u00a0dani z\u00a0p\u0159\u00edjm\u016f a tak\u00e9 potvrzen\u00ed o v\u00fd\u0161i plateb od \u010cSSZ a zdravotn\u00ed poji\u0161\u0165ovny.<\/li>\n\n\n\n
  2. Na spl\u00e1tku dluhu by klient nem\u011bl vynalo\u017eit v\u00edce ne\u017e 45 % sv\u00e9ho \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu<\/strong>. Banky p\u0159i posuzov\u00e1n\u00ed bonity klienta p\u0159ihl\u00ed\u017eej\u00ed nejen k\u00a0tomu, jak\u00fd m\u00e1 p\u0159\u00edjem, ale tak\u00e9 jak\u00e9 jsou jeho v\u00fddaje. Do t\u011bch se krom \u010d\u00e1stky na \u017eivobyt\u00ed zapo\u010d\u00edt\u00e1v\u00e1 tak\u00e9 stavebn\u00ed spo\u0159en\u00ed, penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, leasing, soudem stanoven\u00e9 v\u00fd\u017eivn\u00e9 nebo aktivn\u00ed kreditn\u00ed karty. Pot\u00ed\u017ee m\u016f\u017ee zp\u016fsobit vyu\u017e\u00edvan\u00fd kontokorent na \u00fa\u010dtu.<\/li>\n\n\n\n
  3. Pro \u00fasp\u011b\u0161n\u00e9 dosa\u017een\u00ed hypot\u00e9ky mus\u00ed \u017eadatel disponovat minim\u00e1ln\u011b 10 a\u017e 20 % vlastn\u00edch \u00faspor z tr\u017en\u00ed\u00a0ceny nemovitosti.\u00a0<\/strong>Dnes ji\u017e neexistuje mo\u017enost, \u017ee by \u017eadateli banka poskytla hypote\u010dn\u00ed \u00fav\u011br v\u00a0pln\u00e9 v\u00fd\u0161i nemovitosti. Toto opat\u0159en\u00ed zavedla \u010cNB kv\u016fli obav\u00e1m z ohro\u017een\u00ed stability \u010desk\u00e9 ekonomiky zp\u016fsoben\u00fdm rychl\u00fdm n\u00e1r\u016fstem \u00fav\u011br\u016f. Z\u00e1rove\u0148 se tak stalo z\u00a0d\u016fvodu ochrany dlu\u017en\u00edk\u016f, proto\u017ee rychl\u00fd n\u00e1r\u016fst cen nemovitost\u00ed p\u0159evy\u0161oval p\u0159\u00edjmy dom\u00e1cnost\u00ed a t\u00edm se dlu\u017en\u00edci ocitli ve v\u011bt\u0161\u00edm nebezpe\u010d\u00ed neschopnosti spl\u00e1cet. Tak\u00e9 s\u00edlila obava, \u017ee hypot\u00e9\u010dn\u00ed \u00fav\u011bry budou poskytov\u00e1ny klient\u016fm, kte\u0159\u00ed nemaj\u00ed dostate\u010dnou bonitu.<\/li>\n<\/ol>\n\n\n\n

    O \u00fav\u011br na bydlen\u00ed m\u016f\u017eete za\u017e\u00e1dat spolu s partnerem nebo rodi\u010di. Banka tak bude posuzovat v\u0161echny v\u00fd\u0161e zm\u00edn\u011bn\u00e9 n\u00e1le\u017eitosti a va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru se zv\u00fd\u0161\u00ed. Do \u017e\u00e1dosti o \u00fav\u011br m\u016f\u017eete zahrnout spolu\u017eadatele tak\u00e9 v tom p\u0159\u00edpad\u011b, \u017ee by v\u00e1m v dob\u011b jeho \u00fapln\u00e9ho splacen\u00ed bylo v\u00edce ne\u017e 65 a\u017e 70 let.<\/p>\n\n\n\n

    D\u016fle\u017eit\u00e9 je si uv\u011bdomit, \u017ee nov\u00e1 na\u0159\u00edzen\u00ed neslou\u017e\u00ed jen k ochran\u011b st\u00e1tu, ale jsou tak\u00e9 v z\u00e1jmu n\u00e1s samotn\u00fdch klient\u016f a s t\u00edm k \u017e\u00e1dosti o hypot\u00e9\u010dn\u00ed \u00fav\u011br p\u0159istupovat.<\/p>\n\n\n\n

    Nev\u00edte si s n\u011b\u010d\u00edm rady? Nev\u00e1hejte m\u011b kontaktovat. <\/p>\n","protected":false},"excerpt":{"rendered":"

    O hypot\u00e9k\u00e1ch a jejich nov\u00fdch pravidlech toho bylo v minul\u00fdch m\u011bs\u00edc\u00edch \u0159e\u010deno mnoho. Nicm\u00e9n\u011b opakov\u00e1n\u00ed je matka moudrosti. Poj\u010fme si tedy v kostce shrnout to nejd\u016fle\u017eit\u011bj\u0161\u00ed. O \u00fav\u011br na bydlen\u00ed m\u016f\u017eete za\u017e\u00e1dat spolu s partnerem nebo rodi\u010di. Banka tak bude posuzovat v\u0161echny v\u00fd\u0161e zm\u00edn\u011bn\u00e9 n\u00e1le\u017eitosti a va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru se zv\u00fd\u0161\u00ed. Do \u017e\u00e1dosti o […]<\/p>\n","protected":false},"author":1,"featured_media":794,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[13],"tags":[],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky"],"acf":[],"yoast_head":"\nHypot\u00e9ka v kostce - Jana Mozici - Realitni makl\u00e9\u0159ka<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/d.r4.wbsprt.com\/janamozici.cz\/hypoteka-v-kostce\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ka v kostce - Jana Mozici - Realitni makl\u00e9\u0159ka\" \/>\n<meta property=\"og:description\" content=\"O hypot\u00e9k\u00e1ch a jejich nov\u00fdch pravidlech toho bylo v minul\u00fdch m\u011bs\u00edc\u00edch \u0159e\u010deno mnoho. Nicm\u00e9n\u011b opakov\u00e1n\u00ed je matka moudrosti. Poj\u010fme si tedy v kostce shrnout to nejd\u016fle\u017eit\u011bj\u0161\u00ed. O \u00fav\u011br na bydlen\u00ed m\u016f\u017eete za\u017e\u00e1dat spolu s partnerem nebo rodi\u010di. Banka tak bude posuzovat v\u0161echny v\u00fd\u0161e zm\u00edn\u011bn\u00e9 n\u00e1le\u017eitosti a va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru se zv\u00fd\u0161\u00ed. 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