[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ycpk.cz\/pripravte-se-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.ycpk.cz\/pripravte-se-na-hypoteku\/","headline":"P\u0159ipravte se na hypot\u00e9ku","name":"P\u0159ipravte se na hypot\u00e9ku","description":"Jednodu\u0161e \u0159e\u010deno hypot\u00e9ka je p\u016fj\u010dka od banky na va\u0161e vlastn\u00ed bydlen\u00ed, kterou t\u00e9to bance pravideln\u011b … ","datePublished":"2018-03-30","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.ycpk.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ycpk.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ycpk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ycpk.cz\/wp-content\/uploads\/img_a316852_w2047_t1527705381.jpg","url":"https:\/\/www.ycpk.cz\/wp-content\/uploads\/img_a316852_w2047_t1527705381.jpg","height":0,"width":0},"url":"https:\/\/www.ycpk.cz\/pripravte-se-na-hypoteku\/","wordCount":512,"articleBody":"\tJednodu\u0161e \u0159e\u010deno hypot\u00e9ka je p\u016fj\u010dka od banky na va\u0161e vlastn\u00ed bydlen\u00ed, kterou t\u00e9to bance pravideln\u011b a s\u00a0\u00faroky mnoho let spl\u00e1c\u00edte. Vzhledem k\u00a0tomu, \u017ee se jedn\u00e1 o \u010d\u00e1stku pom\u011brn\u011b vysokou, mus\u00edte vyhov\u011bt po\u017eadavk\u016fm banky, u kter\u00e9 hypot\u00e9ku pl\u00e1nujete z\u00edskat. Podm\u00ednky pro ud\u011blen\u00ed hypot\u00e9ky se u r\u016fzn\u00fdch bank m\u00edrn\u011b li\u0161\u00ed, ale existuj\u00ed z\u00e1sady, kter\u00e9 plat\u00ed univerz\u00e1ln\u011b.\t\tBanky v\u00e1m neschv\u00e1l\u00ed stoprocentn\u00ed hypot\u00e9ku. T\u00edm pad\u00e1 p\u0159edstava, \u017ee nem\u00e1te ani korunu, zajdete do banky, koup\u00edte si d\u016fm a ka\u017ed\u00fd m\u011bs\u00edc bance n\u011bco po\u0161lete. V\u00a0dne\u0161n\u00ed dob\u011b je za nutn\u00e9 minimum, kter\u00fdm mus\u00edte disponovat, pova\u017eov\u00e1no 10 % z\u00a0prodejn\u00ed ceny nemovitosti. Nebudeme zatajovat, \u017ee existuj\u00ed ur\u010dit\u00e9 mo\u017enosti, jak i dnes z\u00edskat stoprocentn\u00ed hypot\u00e9ku, jde o kombinaci se stavebn\u00edm spo\u0159en\u00edm a mnohem vy\u0161\u0161\u00edmi \u00faroky, kde je ov\u0161em op\u011bt mnohem p\u0159\u00edsn\u011bji ov\u011b\u0159ov\u00e1na bonita \u017eadatele, o kter\u00e9 pohovo\u0159\u00edme pozd\u011bji.\tM\u00e1te-li k\u00a0dispozici on\u011bch 10 %, gratulujeme, ale je\u0161t\u011b p\u0159ehnan\u011b nej\u00e1sejte. \u010c\u00edm v\u011bt\u0161\u00ed \u010d\u00e1stku budete schopni hotov\u011b slo\u017eit, t\u00edm se m\u016f\u017eete t\u011b\u0161it na ni\u017e\u0161\u00ed \u00faroky, kter\u00e9 v\u00e1m sjednaj\u00ed bu\u010fto hypote\u010dn\u00ed makl\u00e9\u0159i konkr\u00e9tn\u00edch realitn\u00edch spole\u010dnost\u00ed nebo soukrom\u00ed hypote\u010dn\u00ed makl\u00e9\u0159i. P\u0159i 20 % a v\u00edce z\u00a0prodejn\u00ed ceny je re\u00e1ln\u00e9 dostat se na \u00farok n\u011bco p\u0159es 2 %.\tK\u00a0ud\u011blen\u00ed hypot\u00e9ky v\u0161ak bance nesta\u010d\u00ed va\u0161e hotovost a uji\u0161t\u011bn\u00ed, \u017ee vy spl\u00e1cet ur\u010dit\u011b budete. Ov\u011b\u0159\u00ed si va\u0161i bonitu, co\u017e je schopnost hypot\u00e9ku v\u00a0ur\u010dit\u00e9 v\u00fd\u0161i spl\u00e1cet. P\u0159ipravte se, \u017ee z\u00e1le\u017e\u00ed na typu pracovn\u00edho pom\u011bru, p\u0159\u00edjmech za posledn\u00ed \u010dtvrtlet\u00ed v\u00a0porovn\u00e1n\u00ed s\u00a0p\u0159\u00edjmy za posledn\u00ed rok; v\u00a0potaz se berou pravideln\u00e9 v\u00fddaje (alimenty, pojistky, leasing). A pokud m\u00e1te n\u011bjak\u00e9 \u010dern\u00e9 punt\u00edky v\u00a0podob\u011b dluh\u016f nebo nepln\u011bn\u00ed finan\u010dn\u00edch z\u00e1vazk\u016f, rad\u011bji nebu\u010fte p\u0159ehnan\u011b optimisti\u010dt\u00ed.\t\tCo se t\u00fd\u010de m\u011bs\u00ed\u010dn\u00ed v\u00fd\u0161e hypot\u00e9ky, je nepsan\u00fdm pravidlem, \u017ee va\u0161e n\u00e1klady na bydlen\u00ed by nem\u011bly p\u0159es\u00e1hnout 25 % p\u0159\u00edjm\u016f dom\u00e1cnosti. Nicm\u00e9n\u011b na posuzov\u00e1n\u00ed z\u00e1vislosti dostate\u010dn\u00e9 v\u00fd\u0161e p\u0159\u00edjm\u016f a v\u00fd\u0161e hypot\u00e9ky maj\u00ed banky rozd\u00edln\u00e9 parametry. Pokud do hypot\u00e9ky p\u016fjdete, po\u010d\u00edtejte tak\u00e9 s\u00a0mo\u017en\u00fdmi poplatky za vy\u0159\u00edzen\u00ed slu\u017eeb.\tPe\u010dliv\u011b zva\u017ete va\u0161i schopnost hypot\u00e9ku \u201eut\u00e1hnout\u201c, va\u0161i budoucnost. Uv\u011bdomte si, \u017ee pokud man\u017eelka nastoup\u00ed na mate\u0159skou, dojde pravd\u011bpodobn\u011b k\u00a0poklesu p\u0159\u00edjm\u016f, pokud naopak nastoup\u00ed do pr\u00e1ce, budou \u010d\u00e1stky p\u0159ich\u00e1zej\u00edc\u00ed na v\u00e1\u0161 \u00fa\u010det o n\u011bco veselej\u0161\u00ed. Vlastn\u00ed bydlen\u00ed je ohromn\u00e1 v\u00fdhoda, ale rozvaha a moudrost ohledn\u011b hypot\u00e9ky se skute\u010dn\u011b vyplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159ipravte se na hypot\u00e9ku","item":"https:\/\/www.ycpk.cz\/pripravte-se-na-hypoteku\/#breadcrumbitem"}]}]