[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sheesham.cz\/hypoteka-jake-podminky-je-zapotrebi-splnit\/#Article","mainEntityOfPage":"https:\/\/www.sheesham.cz\/hypoteka-jake-podminky-je-zapotrebi-splnit\/","headline":"Hypot\u00e9ka: Jak\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit?","name":"Hypot\u00e9ka: Jak\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit?","description":"Sen o vlastn\u00edm bydlen\u00ed m\u00e1 mnoho \u010cech\u016f, kolika z nic se tento sen provede prom\u011bnit v realitu je v\u011bc druh\u00e1. Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a dos\u00e1hnout na n\u00ed tak m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u00e9. Jednotliv\u00e9 podm\u00ednky upravuje s ur\u010ditou pravidelnost\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka, naposledy tak u\u010dinila v dubnu lo\u0148sk\u00e9ho roku jako reakci […]","datePublished":"2021-05-28","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.sheesham.cz\/author\/#Person","name":"","url":"https:\/\/www.sheesham.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sheesham.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sheesham.cz\/wp-content\/uploads\/nov%C3%BD%20d%C5%AFm_10.jpg","url":"https:\/\/www.sheesham.cz\/wp-content\/uploads\/nov%C3%BD%20d%C5%AFm_10.jpg","height":0,"width":0},"url":"https:\/\/www.sheesham.cz\/hypoteka-jake-podminky-je-zapotrebi-splnit\/","about":["Internet"],"wordCount":409,"articleBody":"         Sen o vlastn\u00edm bydlen\u00ed m\u00e1 mnoho \u010cech\u016f, kolika z nic se tento sen provede prom\u011bnit v realitu je v\u011bc druh\u00e1. Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a dos\u00e1hnout na n\u00ed tak m\u016f\u017ee b\u00fdt velmi n\u00e1ro\u010dn\u00e9. Jednotliv\u00e9 podm\u00ednky upravuje s ur\u010ditou pravidelnost\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka, naposledy tak u\u010dinila v dubnu lo\u0148sk\u00e9ho roku jako reakci na na\u0159\u00edzen\u00ed vl\u00e1dy kv\u016fli prob\u00edhaj\u00edc\u00ed pandemii. Zat\u00edmco je\u0161t\u011b doned\u00e1vna bylo mo\u017en\u00e9 \u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ky, situace se za n\u011bkolik posledn\u00edch let razantn\u011b zm\u011bnila. V sou\u010dasn\u00e9 dob\u011b je to u\u017e pouh\u00fdch 70%, zbyl\u00fdch 30% je zapot\u0159eb\u00ed financovat z vlastn\u00edch \u00faspor. V praxi to znamen\u00e1, \u017ee pokud \u017e\u00e1d\u00e1te o hypot\u00e9ku ve v\u00fd\u0161i 3 000 000 korun, 900 000 mus\u00ed poch\u00e1zet z vlastn\u00edch zdroj\u016f. To pro mnoh\u00e9 mlad\u00e9 p\u00e1ry znamen\u00e1 nep\u0159ekonatelnou p\u0159ek\u00e1\u017eku, kterou je pov\u011bt\u0161inou zapot\u0159eb\u00ed \u0159e\u0161it dal\u0161\u00edm spot\u0159ebitelsk\u00fdm \u00fav\u011brem. Jedn\u00e1 se tedy o z\u00e1vazek, kter\u00fd v\u011bt\u0161ina lid\u00ed spl\u00e1c\u00ed cel\u00fd \u017eivot s vidinou, \u017ee mo\u017en\u00e1 jednou na star\u00e1 kolena bude vysn\u011bn\u00e1 nemovitost skute\u010dn\u011b jejich. 1. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je z\u00e1klad, kter\u00fd bude vy\u017eadovat ka\u017ed\u00fd v\u011b\u0159itel. Chce toti\u017e m\u00edt jistotu, \u017ee sv\u00e9 z\u00e1vazky budete m\u00edt s \u010deho spl\u00e1cet. Ov\u0161em jen p\u0159\u00edjem nesta\u010d\u00ed, mus\u00ed b\u00fdt v rovnov\u00e1ze s m\u011bs\u00ed\u010dn\u00edmi v\u00fddaji dom\u00e1cnosti + mus\u00edme p\u0159ipo\u010d\u00edtat spl\u00e1tky \u00fav\u011bru. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je zapot\u0159eb\u00ed dolo\u017eit pomoc\u00ed pracovn\u00ed smlouvy na dobu neur\u010ditou. Jsou samoz\u0159ejm\u011b akceptov\u00e1ny i jin\u00e9 p\u0159\u00edjmy, jako jsou ty ze samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo pron\u00e1jmu nemovitosti. 2. Z\u00e1znamy v registrechPokud jste se n\u011bkdy v minulosti ocitli v situaci, kdy jste nebyli schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, va\u0161e \u00fadaje budou nejsp\u00ed\u0161e figurovat v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f. Bankovn\u00ed poskytovatel v\u00e1m v takov\u00e9m p\u0159\u00edpad\u011b rozhodn\u011b \u00fav\u011br neschv\u00e1l\u00ed, ov\u0161em mo\u017enost tu s\u00e1le je\u0161t\u011b je. Je j\u00ed americk\u00e1 nebankovn\u00ed hypot\u00e9ka, kter\u00e1 c\u00edl\u00ed pr\u00e1v\u011b na \u017eadatele s probl\u00e9movou finan\u010dn\u00ed minulost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka: Jak\u00e9 podm\u00ednky je zapot\u0159eb\u00ed splnit?","item":"https:\/\/www.sheesham.cz\/hypoteka-jake-podminky-je-zapotrebi-splnit\/#breadcrumbitem"}]}]