[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dokr.cz\/kdy-ma-smysl-zacit-uvazovat-o-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.dokr.cz\/kdy-ma-smysl-zacit-uvazovat-o-hypotece\/","headline":"Kdy m\u00e1 smysl za\u010d\u00edt uva\u017eovat o hypot\u00e9ce?","name":"Kdy m\u00e1 smysl za\u010d\u00edt uva\u017eovat o hypot\u00e9ce?","description":"P\u0159em\u00fd\u0161l\u00edte o v\u00fdstavb\u011b vlastn\u00edho rodinn\u00e9ho domku nebo zva\u017eujete koupi nemovitosti, ale chyb\u00ed v\u00e1m t\u00ed\u017een\u00e9 finan\u010dn\u00ed prost\u0159edky k realizaci sv\u00fdch sn\u016f? Pokud je va\u0161e odpov\u011b\u010f v\u00edce […]","datePublished":"2021-04-12","dateModified":"2021-04-12","author":{"@type":"Person","@id":"https:\/\/www.dokr.cz\/author\/#Person","name":"","url":"https:\/\/www.dokr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dokr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dokr.cz\/wp-content\/uploads\/p%C5%99es%C3%BDpac%C3%AD%20hodiny_4.jpg","url":"https:\/\/www.dokr.cz\/wp-content\/uploads\/p%C5%99es%C3%BDpac%C3%AD%20hodiny_4.jpg","height":0,"width":0},"url":"https:\/\/www.dokr.cz\/kdy-ma-smysl-zacit-uvazovat-o-hypotece\/","about":["Online"],"wordCount":417,"articleBody":"   P\u0159em\u00fd\u0161l\u00edte o v\u00fdstavb\u011b vlastn\u00edho rodinn\u00e9ho domku nebo zva\u017eujete koupi nemovitosti, ale chyb\u00ed v\u00e1m t\u00ed\u017een\u00e9 finan\u010dn\u00ed prost\u0159edky k realizaci sv\u00fdch sn\u016f? Pokud je va\u0161e odpov\u011b\u010f v\u00edce \u010di m\u00e9n\u011b kladn\u00e1, jist\u011b p\u0159em\u00fd\u0161l\u00edte jak\u00fdm zp\u016fsobem vlastn\u00ed bydlen\u00ed financovat. \u0158e\u0161en\u00ed, kter\u00e9 se samo p\u0159\u00edmo nab\u00edz\u00ed, je hypot\u00e9ka. Pokud tedy p\u0159em\u00fd\u0161l\u00edte, zda je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku a jak j\u00ed vybrat, za\u010dt\u011bte se do n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dk\u016f. Ten spr\u00e1vn\u00fd \u010das na hypot\u00e9kuP\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku banka prov\u011b\u0159uje v\u011bk \u017eadatel\u016f a p\u0159\u00edpadn\u00fdch spolu\u017eadatel\u016f. V\u00fdhrou samoz\u0159ejm\u011b nen\u00ed p\u0159\u00edli\u0161 vysok\u00fd, ale ani n\u00edzk\u00fd v\u011bk. Je pochopiteln\u00e9, \u017ee pro n\u011bkoho bude akor\u00e1t u\u017e ve 20 let, pro jin\u00e9ho ve 30 a jin\u00fd nebude na tak velk\u00fd z\u00e1vazek p\u0159ipraven\u00fd nikdy. P\u0159esto banky doporu\u010duj\u00ed v\u011bk kolem 30, kdy u\u017e m\u00e1 pov\u011bt\u0161inou \u017eadatel n\u011bjakou finan\u010dn\u00ed minulost a je tedy snadn\u00e9 mu navrhnout hypote\u010dn\u00ed \u00fav\u011br p\u0159\u00edmo na m\u00edru. Minim\u00e1ln\u00ed v\u011bk pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru je 18 let, nejvy\u0161\u0161\u00ed pak nen\u00ed stanoven a ka\u017ed\u00e1 banka se \u0159\u00edd\u00ed dle sv\u00fdch intern\u00edch podm\u00ednek. \u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u0161ak doporu\u010duje horn\u00ed v\u011bkovou hranici, do kter\u00e9 by m\u011bl b\u00fdt \u00fav\u011br splacen. Ta je v sou\u010dasn\u00e9 dob\u011b 65 let. Jedn\u00e1 se v\u0161ak pouze o doporu\u010den\u00ed a lze naj\u00edt \u0159adu bankovn\u00edch i nebankovn\u00edch hypot\u00e9k, kte\u0159\u00ed se t\u00edmto doporu\u010den\u00edm ne\u0159\u00edd\u00ed a hranici maj\u00ed upravenou jinak. Vlastn\u00ed prost\u0159edky jako nezbytnostTy tam jsou doby, kdy bylo mo\u017en\u00e9 v bance \u017e\u00e1dat o 100% hypot\u00e9ky. Po novele z\u00e1kona z roku 2018 se podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky zm\u011bnily a nyn\u00ed je mo\u017en\u00e9 \u017e\u00e1dat pouze o 70% z\u00e1stavn\u00ed hodnoty nemovitosti a zbytek uhradit z na\u0161et\u0159en\u00fdch \u00faspor. V praxi to znamen\u00e1 jedin\u00e9, pokud si chcete p\u016fj\u010dit 3 000 000, je zapot\u0159eb\u00ed m\u00edt na \u00fa\u010dtu alespo\u0148 300 000. Mnoho mlad\u00fdch p\u00e1r\u016f v\u0161ak takov\u00fd obnos pen\u011bz nen\u00ed schopno na\u0161et\u0159it a proto tento vstupn\u00ed kapit\u00e1l \u0159e\u0161\u00ed za pomoci spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Nezapom\u00ednejte, \u017ee v p\u0159\u00edpad\u011b hypote\u010dn\u00edho \u00fav\u011bru je tak\u00e9 zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy m\u00e1 smysl za\u010d\u00edt uva\u017eovat o hypot\u00e9ce?","item":"https:\/\/www.dokr.cz\/kdy-ma-smysl-zacit-uvazovat-o-hypotece\/#breadcrumbitem"}]}]