{"id":47478,"date":"2023-08-18T16:19:55","date_gmt":"2023-08-18T14:19:55","guid":{"rendered":"https:\/\/financer.com\/cz\/?post_type=how_to&#038;p=47478"},"modified":"2023-08-29T16:09:24","modified_gmt":"2023-08-29T14:09:24","slug":"hypoteka-pro-osvc-a-podnikatele","status":"publish","type":"how_to","link":"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/","title":{"rendered":"Hypot\u00e9ka pro OSV\u010c a podnikatele"},"content":{"rendered":"\n<p>Z\u00edsk\u00e1n\u00ed vlastn\u00edho domova je snem mnoha, ale<strong> pro \u017eivnostn\u00edky to m\u016f\u017ee b\u00fdt v\u00fdzva, kterou je t\u0159eba zvl\u00e1dnout <\/strong>s jistou d\u00e1vkou flexibility a kreativity. V\u00fdhody nez\u00e1vislosti, kontroly a stability, kter\u00e9 vlastnictv\u00ed nemovitosti p\u0159in\u00e1\u0161\u00ed, jsou pro \u017eivnostn\u00edky nenahraditeln\u00e9.<\/p>\n\n\n\n<p>Ale <strong>jak tohoto c\u00edle dos\u00e1hnout v prost\u0159ed\u00ed nepravideln\u00e9ho p\u0159\u00edjmu<\/strong> a komplexn\u011bj\u0161\u00edho finan\u010dn\u00edho z\u00e1znamu? V tomto \u010dl\u00e1nku se budeme v\u011bnovat pr\u00e1v\u011b hypot\u00e9ce pro OSV\u010c, p\u0159edstav\u00edme specifick\u00e9 v\u00fdzvy, kter\u00fdm \u010del\u00ed \u017eivnostn\u00edci, a poskytneme rady, jak je \u00fasp\u011b\u0161n\u011b p\u0159ekonat.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>V\u00fdb\u011br Financer.com<\/h3><ol>\n<li><a href=\"https:\/\/financer.com\/cz\/spolecnost\/csob\/\">\u010cSOB<\/a> &#8211; banka zam\u011b\u0159en\u00e1 na podnikatele, je skv\u011blou volbou zejm\u00e9na v p\u0159\u00edpad\u011b, \u017ee podnik\u00e1te m\u00e9n\u011b ne\u017e rok.<\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/spolecnost\/mbank\/\">mBank<\/a> &#8211; v\u00fdborn\u00e1 volba zejm\u00e9na v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebujete m\u00e9n\u011b ne\u017e 50 %, v takov\u00e9 situaci v\u00e1m sta\u010d\u00ed dolo\u017eit \u201ePotvrzen\u00ed o p\u0159\u00edjmech\u201c.<\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/spolecnost\/raiffeisenbank\/\">Raiffeisenbank<\/a> &#8211; u t\u00e9to banky m\u00e1te mo\u017enost d\u011blit p\u0159\u00edjem skute\u010dn\u00fdm po\u010dtem m\u011bs\u00edc\u016f b\u011bhem kter\u00fdch jste podnikali.<\/li>\n<\/ol><\/div>\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Hodnocen_pjmu_a_schopnosti_splcet_u_OSV\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Hodnocen_pjmu_a_schopnosti_splcet_u_OSV\">\n\t\t\t\t\t\t\t\tHodnocen\u00ed p\u0159\u00edjmu a schopnosti spl\u00e1cet u OSV\u010c\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"block-fn-toc__list-sub\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Hypotka_pro_OSV_Pjmy_ze_zkladu_dan\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t1.1.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Hypotka_pro_OSV_Pjmy_ze_zkladu_dan\">\n\t\t\t\t\t\t\t\t\t\t\tHypot\u00e9ka pro OSV\u010c: P\u0159\u00edjmy ze z\u00e1kladu dan\u011b\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Hypotka_pro_OSV_Pjmy_z_obratu\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t1.2.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Hypotka_pro_OSV_Pjmy_z_obratu\">\n\t\t\t\t\t\t\t\t\t\t\tHypot\u00e9ka pro OSV\u010c: P\u0159\u00edjmy z obratu\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Schvalovn_hypotky_pro_ivnostnky\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Schvalovn_hypotky_pro_ivnostnky\">\n\t\t\t\t\t\t\t\tSchvalov\u00e1n\u00ed hypot\u00e9ky pro \u017eivnostn\u00edky\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Nejastj_piny_zamtnut_dosti\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Nejastj_piny_zamtnut_dosti\">\n\t\t\t\t\t\t\t\tNej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny zam\u00edtnut\u00ed \u017e\u00e1dosti\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Ne_podte_o_hypotku_pro_OSV\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Ne_podte_o_hypotku_pro_OSV\">\n\t\t\t\t\t\t\t\tNe\u017e po\u017e\u00e1d\u00e1te o hypot\u00e9ku pro OSV\u010c\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"block-fn-toc__list-sub\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Potrebn_doklady_k_hypotce_pro_OSV\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t4.1.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Potrebn_doklady_k_hypotce_pro_OSV\">\n\t\t\t\t\t\t\t\t\t\t\tPotrebn\u00e9 doklady k hypot\u00e9ce pro OSV\u010c\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Jak_si_vybrat_nejlep_hypotku_pro_OSV\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Jak_si_vybrat_nejlep_hypotku_pro_OSV\">\n\t\t\t\t\t\t\t\tJak si vybrat nejlep\u0161\u00ed hypot\u00e9ku pro OSV\u010c?\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"block-fn-toc__list-sub\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Mohlo_by_vs_tak_zajmat\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t5.1.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-osvc-a-podnikatele\/#Mohlo_by_vs_tak_zajmat\">\n\t\t\t\t\t\t\t\t\t\t\tMohlo by v\u00e1s tak\u00e9 zaj\u00edmat\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_blank\" >Srovn\u00e1n\u00ed hypot\u00e9k<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hodnocen_pjmu_a_schopnosti_splcet_u_OSV\">Hodnocen\u00ed p\u0159\u00edjmu a schopnosti spl\u00e1cet u OSV\u010c<\/h2>\n\n\n\n<p>Z\u00edsk\u00e1n\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt pro \u017eivnostn\u00edky <strong>komplikovan\u00e9, a to zejm\u00e9na v oblasti hodnocen\u00ed jejich p\u0159\u00edjmu a schopnosti spl\u00e1cet.<\/strong> Pr\u00e1v\u011b tyto faktory ov\u0161em tvo\u0159\u00ed z\u00e1kladn\u00ed k\u00e1men \u00fasp\u011b\u0161n\u00e9 <a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">hypot\u00e9ky<\/a>. Jak tedy hypote\u010dn\u00ed instituce hodnot\u00ed p\u0159\u00edjem a schopnost spl\u00e1cet u \u017eivnostn\u00edk\u016f?<\/p>\n\n\n\n<p>Prvn\u00edm krokem k \u00fasp\u011b\u0161n\u00e9mu z\u00edsk\u00e1n\u00ed hypot\u00e9ky je prok\u00e1z\u00e1n\u00ed dostate\u010dn\u00e9ho p\u0159\u00edjmu. <strong>\u017divnostn\u00edci \u010dasto maj\u00ed nestandardn\u00ed p\u0159\u00edjmov\u00e9 modely,<\/strong> kter\u00e9 se li\u0161\u00ed od b\u011b\u017en\u00fdch zam\u011bstnaneck\u00fdch plateb. Proto je d\u016fle\u017eit\u00e9 jasn\u011b prezentovat sv\u00e9 p\u0159\u00edjmy a zajistit, aby byly pro hypote\u010dn\u00ed instituci transparentn\u00ed a ov\u011b\u0159iteln\u00e9.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><strong>\u017divnostn\u00edci bance dokl\u00e1daj\u00ed sv\u016fj p\u0159\u00edjem prost\u0159ednictv\u00edm da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. <\/strong>A zde nast\u00e1v\u00e1 probl\u00e9m, proto\u017ee \u017eivnostn\u00edci \u010dastokr\u00e1t hledaj\u00ed zp\u016fsoby, jak v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed sv\u00e9 zisky sn\u00ed\u017eit, nap\u0159\u00edklad prost\u0159ednictv\u00edm v\u00fddajov\u00e9ho pau\u0161\u00e1lu.*<\/p>\n<p>V o\u010d\u00edch banky to ov\u0161em znamen\u00e1 p\u0159edev\u0161\u00edm ni\u017e\u0161\u00ed <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/bonita-klienta\/\">bonitu<\/a>, co\u017e v\u00e1m v kone\u010dn\u00e9m d\u016fsledku m\u016f\u017ee pohor\u0161it.<\/p><\/div>\n\n\n<p>*<em>Uplat\u0148ov\u00e1n\u00ed v\u00fddajov\u00e9ho pau\u0161\u00e1lu ale <strong>automaticky neznamen\u00e1, \u017ee v\u00e1m banka hypote\u010dn\u00ed \u00fav\u011br neposkytne.<\/strong> St\u00e1le p\u0159ib\u00fdvaj\u00ed poskytovatel\u00e9, kte\u0159\u00ed uzn\u00e1vaj\u00ed i v\u00fddajov\u00e9 pau\u0161\u00e1ly. V\u011bt\u0161ina z nich p\u0159itom zv\u00fdhod\u0148uje i takzvan\u00e1 svobodn\u00e1 povol\u00e1n\u00ed, jako nap\u0159\u00edklad l\u00e9ka\u0159e, IT specialisty nebo pr\u00e1vn\u00edky.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Hypotka_pro_OSV_Pjmy_ze_zkladu_dan\">Hypot\u00e9ka pro OSV\u010c: P\u0159\u00edjmy ze z\u00e1kladu dan\u011b<\/h3>\n\n\n\n<p>P\u0159i schvalov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru u OSV\u010c pou\u017e\u00edvaj\u00ed banky jedno nebo dv\u011b posledn\u00ed da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed. Pro banky je <strong>z hlediska da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed d\u016fle\u017eit\u00fd d\u00edl\u010d\u00ed z\u00e1klad dan\u011b<\/strong> (\u0159\u00e1dek 37 p\u0159i p\u0159\u00edjmu z podnik\u00e1n\u00ed).<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>V tomto p\u0159\u00edpad\u011b je <strong>nejlep\u0161\u00edm \u0159e\u0161en\u00edm vyhledat slu\u017eby hypote\u010dn\u00edho poradce, p\u0159\u00edpadn\u011b online port\u00e1lu<\/strong> jako je <a href=\"https:\/\/financer.com\/cz\/spolecnost\/hyponamiru\/\" data-rich-text-format-boundary=\"true\">Hyponam\u00edru<\/a>.<\/p><\/div>\n\n\n<p><strong>Vyu\u017eit\u00edm slu\u017eeb poradce si zjednodu\u0161\u00edte cestu k hypot\u00e9ce.<\/strong> Bude m\u00edt re\u00e1ln\u00fd p\u0159ehled o va\u0161\u00ed finan\u010dn\u00ed situaci a nejl\u00e9pe po\u0159ad\u00ed, jakou formu v\u00fddaj\u016f zvolit, aby banka va\u0161i \u017e\u00e1dost schv\u00e1lila.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Hypotka_pro_OSV_Pjmy_z_obratu\">Hypot\u00e9ka pro OSV\u010c: P\u0159\u00edjmy z obratu<\/h3>\n\n\n\n<p>P\u0159i \u017e\u00e1dosti o hypot\u00e9ku pro OSV\u010c <strong>m\u016f\u017eete zvolit i uzn\u00e1n\u00ed p\u0159\u00edjm\u016f podle sv\u00e9ho ro\u010dn\u00edho obratu.<\/strong> Banka tak z va\u0161eho obratu vezme v \u00favahu ur\u010ditou \u010d\u00e1st, kterou zapo\u010dte jako v\u00e1\u0161 \u010dist\u00fd ro\u010dn\u00ed p\u0159\u00edjem.<\/p>\n\n\n\n<p><strong>Jedn\u00e1 se o ur\u010dit\u00e9 procento z obratu, <\/strong>p\u0159i\u010dem\u017e se jeho v\u00fd\u0161e li\u0161\u00ed v z\u00e1vislosti od poskytovatele. Takov\u00e9 uzn\u00e1n\u00ed p\u0159\u00edjm\u016f nav\u00edc poskytuj\u00ed pouze n\u011bkter\u00e9 banky.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Tento typ \u017e\u00e1dosti je v\u00fdhodn\u00fd p\u0159edev\u0161\u00edm<strong> pro podnikatele, kte\u0159\u00ed maj\u00ed vysok\u00e9 p\u0159\u00edjmy, ale tak\u00e9 n\u00e1klady. <\/strong>Ti mohou tak dos\u00e1hnout na vy\u0161\u0161\u00ed hypote\u010dn\u00ed \u00fav\u011br ne\u017e p\u0159i \u017e\u00e1dosti na z\u00e1klad\u011b p\u0159\u00edjm\u016f ze z\u00e1kladu dan\u011b.<\/p><\/div>\n\n\n<p>P\u0159i hodnocen\u00ed p\u0159\u00edjmu a schopnosti spl\u00e1cet jsou kl\u00ed\u010dov\u00e9 i dal\u0161\u00ed faktory, jako nap\u0159\u00edklad <strong>dlouholet\u00e1 stabilita va\u0161\u00ed \u017eivnosti, va\u0161e finan\u010dn\u00ed historie a schopnost \u0159\u00eddit sv\u00e9 finance. <\/strong>Je d\u016fle\u017eit\u00e9 v\u010das komunikovat se sv\u00fdm hypote\u010dn\u00edm poradcem a jasn\u011b prezentovat v\u0161echny relevantn\u00ed informace.<\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_blank\" >Srovn\u00e1n\u00ed hypot\u00e9k<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Schvalovn_hypotky_pro_ivnostnky\">Schvalov\u00e1n\u00ed hypot\u00e9ky pro \u017eivnostn\u00edky<\/h2>\n\n\n\n<p>Proces schvalov\u00e1n\u00ed hypot\u00e9ky pro \u017eivnostn\u00edky se v podstat\u011b moc neli\u0161\u00ed od klasick\u00e9 hypot\u00e9ky pro zam\u011bstnance. Nejv\u011bt\u0161\u00ed <strong>rozd\u00edl je ve v\u00fd\u0161e zm\u00edn\u011bn\u00e9m dokladov\u00e1n\u00ed a posuzov\u00e1n\u00ed p\u0159\u00edjm\u016f.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Doklady o p\u0159\u00edjmu a podnik\u00e1n\u00ed.<\/strong> Banky budou vy\u017eadovat doklady o va\u0161ich p\u0159\u00edjmech a podnikatelsk\u00e9 \u010dinnosti. Mohou to b\u00fdt da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, v\u00fdpisy z \u00fa\u010dt\u016f a jin\u00e9 dokumenty, kter\u00e9 potvrzuj\u00ed va\u0161e p\u0159\u00edjmy a finan\u010dn\u00ed stabilitu.<\/p>\n<\/li><li><p><strong>Anal\u00fdza p\u0159\u00edjmu.<\/strong> Banky se zam\u011b\u0159\u00ed na va\u0161e pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a jejich stabilitu. Stabiln\u00ed a spolehliv\u00fd p\u0159\u00edjem zvy\u0161uje va\u0161e \u0161ance ke schv\u00e1len\u00ed. <\/p>\n<\/li><li><p><strong>\u00dav\u011brov\u00e1 historie. <\/strong>Va\u0161e \u00fav\u011brov\u00e1 historie bude tak\u00e9 d\u016fle\u017eit\u00fdm faktorem. Banky se pod\u00edvaj\u00ed na va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re a historii spl\u00e1cen\u00ed dluh\u016f. Vysok\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re m\u016f\u017ee ovlivnit lep\u0161\u00ed \u00farokovou sazbu a celkov\u00e9 podm\u00ednky.<\/p>\n<\/li><li><p><strong>Z\u00e1vazky a dluhy.<\/strong> Banky zohled\u0148uj\u00ed i va\u0161e st\u00e1vaj\u00edc\u00ed dluhy a z\u00e1vazky. Vliv na schv\u00e1len\u00ed m\u016f\u017ee m\u00edt pom\u011br va\u0161ich m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek k p\u0159\u00edjmu. Ni\u017e\u0161\u00ed z\u00e1vazky mohou zv\u00fd\u0161it va\u0161i schopnost spl\u00e1cet hypot\u00e9ku.<\/p>\n<\/li><li><p><strong>Vklad a zaji\u0161t\u011bn\u00ed.<\/strong> Vklad m\u016f\u017ee m\u00edt v\u00fdznamn\u00fd vliv na schv\u00e1len\u00ed hypot\u00e9ky. Banky obvykle po\u017eaduj\u00ed ur\u010dit\u00fd pod\u00edl vlastn\u00edch zdroj\u016f na kupn\u00ed cenu nemovitosti. Z\u00e1rove\u0148 mohou vy\u017eadovat zaji\u0161t\u011bn\u00ed, jako je ru\u010den\u00ed jin\u00fdmi nemovitostmi nebo majetkem.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_blank\" >Srovn\u00e1n\u00ed hypot\u00e9k<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Nejastj_piny_zamtnut_dosti\">Nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010diny zam\u00edtnut\u00ed \u017e\u00e1dosti<\/h2>\n\n\n\n<p>Hled\u00e1n\u00ed p\u0159\u00ed\u010din, pro\u010d nen\u00ed mo\u017en\u00e9 z\u00edskat hypot\u00e9ku, je \u010dasto obt\u00ed\u017en\u00fdm \u00fakolem. Mo\u017en\u00e1 si mysl\u00edte, \u017ee va\u0161e p\u0159\u00edjmy jsou dosta\u010duj\u00edc\u00ed, p\u0159esto se v\u00e1m neda\u0159\u00ed usp\u011bt ve vyjedn\u00e1v\u00e1n\u00ed s bankou. Jak\u00e9 jsou <strong>nejb\u011b\u017en\u011bj\u0161\u00ed faktory, kter\u00e9 mohou st\u00e1t za ne\u00fasp\u011bchem va\u0161\u00ed \u017e\u00e1dosti o hypot\u00e9ku pro podnikatele?<\/strong><\/p>\n\n\n\n<p>V\u00e1\u0161 <strong>da\u0148ov\u00fd z\u00e1klad m\u016f\u017ee b\u00fdt p\u0159\u00edli\u0161 n\u00edzk\u00fd, <\/strong>pokud vyu\u017e\u00edv\u00e1te v\u00fddajov\u00fd pau\u0161\u00e1l m\u00edsto re\u00e1ln\u00fdch n\u00e1klad\u016f. I kdy\u017e t\u00edmto zp\u016fsobem u\u0161et\u0159\u00edte na dan\u00edch, tak\u00e9 sni\u017eujete sv\u00e9 \u0161ance na schv\u00e1len\u00ed \u00fav\u011bru. Banka si tak nen\u00ed jist\u00e1, \u017ee budete schopni pravideln\u011b spl\u00e1cet. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><strong>Nem\u00edt dostate\u010dn\u00e9 \u00faspory<\/strong> m\u016f\u017ee b\u00fdt tak\u00e9 p\u0159ek\u00e1\u017ekou. Banky poskytuj\u00ed podnikatel\u016fm hypot\u00e9ky s maxim\u00e1ln\u011b 90 % odhadovan\u00e9 hodnoty nemovitosti.<\/p>\n<p>To znamen\u00e1, \u017ee pokud nem\u00e1te dostate\u010dnou hotovost nebo \u017e\u00e1dnou jinou nemovitost, kterou byste mohli zastavit, \u00fav\u011br na vlastn\u00ed bydlen\u00ed v\u00e1m m\u016f\u017ee b\u00fdt odep\u0159en.<\/p><\/div>\n\n\n<p><strong>D\u016fle\u017eitou roli m\u016f\u017ee hr\u00e1t i va\u0161e \u00fav\u011brov\u00e1 historie. <\/strong>V p\u0159\u00edpad\u011b, \u017ee m\u00e1te <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/registry-dluzniku\/\">z\u00e1znam v registru dlu\u017en\u00edk\u016f<\/a>, m\u016f\u017ee v\u00e1m to zt\u00ed\u017eit, p\u0159\u00edpadn\u011b zcela zabr\u00e1nit z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ne_podte_o_hypotku_pro_OSV\">Ne\u017e po\u017e\u00e1d\u00e1te o hypot\u00e9ku pro OSV\u010c<\/h2>\n\n\n\n<p>Jak jsme ji\u017e zm\u00ednili, z\u00edsk\u00e1n\u00ed hypot\u00e9ky pokud jste \u017eivnostn\u00edk je n\u00e1ro\u010dn\u00e9, ale nen\u00ed nemo\u017en\u00e9. <strong>Spr\u00e1vn\u00e1 p\u0159\u00edprava a proz\u00edravost mohou v\u00e9st k \u00fasp\u011b\u0161n\u00e9mu schv\u00e1len\u00ed <\/strong>va\u0161\u00ed \u017e\u00e1dosti o hypot\u00e9ku.<\/p>\n\n\n\n<p>Pri \u017eiadosti o hypot\u00e9ku ako \u017eivnostn\u00edk je <strong>k\u013e\u00fa\u010dov\u00e9 ma\u0165 dobre pripraven\u00fa dokument\u00e1ciu <\/strong>a preuk\u00e1za\u0165 finan\u010dn\u00fa spo\u013eahlivos\u0165. V tomto v\u00e1m m\u016f\u017ee v\u00fdrazn\u011b pomoci konzultace s odborn\u00edkem, kter\u00e1 v\u00e1m v kone\u010dn\u00e9m d\u016fsledku u\u0161et\u0159\u00ed \u010das a zv\u00fd\u0161\u00ed va\u0161e \u0161ance na \u00fasp\u011bch.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Potrebn_doklady_k_hypotce_pro_OSV\">Potrebn\u00e9 doklady k hypot\u00e9ce pro OSV\u010c<\/h3><li><p>Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za p\u0159edchoz\u00ed rok nebo dva<\/p>\n<\/li><li><p>Potvrzen\u00ed o pod\u00e1n\u00ed da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed na finan\u010dn\u00ed \u00fa\u0159ad<\/p>\n<\/li><li><p>Potvrzen\u00ed o bezdlu\u017enosti v\u016f\u010di finan\u010dn\u00edmu \u00fa\u0159adu <\/p>\n<\/li><li><p>Doklad o zaplacen\u00ed dan\u011b z p\u0159\u00edjm\u016f nebo o vr\u00e1cen\u00ed p\u0159eplatku dan\u011b z p\u0159\u00edjm\u016f <\/p>\n<\/li><li><p>V n\u011bkter\u00fdch p\u0159\u00edpadech i v\u00fdpisy z \u00fa\u010dtu<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Obecn\u011b <strong>se banky zaj\u00edmaj\u00ed tak\u00e9 o to, kdy za\u010dal z\u00e1jemce o hypot\u00e9ku podnikat,<\/strong> v jak\u00e9m oboru podnik\u00e1, jeho ro\u010dn\u00ed obrat, \u010dist\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, p\u0159\u00edpadn\u011b \u00faspory, kter\u00e9 m\u00e1 k dispozici.<\/p>\n\n\n\n<p>Va\u0161e \u0161ance na \u00fasp\u011b\u0161n\u00e9 z\u00edsk\u00e1n\u00ed t\u00e9 nejlep\u0161\u00ed hypot\u00e9ky pro OSV\u010c v\u00e1m m\u016f\u017ee pomoci zv\u00fd\u0161it i n\u011bkter\u00fd z n\u00e1sleduj\u00edc\u00edch krok\u016f:<\/p>\n\n\n<h4>Kroky<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Pl\u00e1nujte dop\u0159edu<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Z\u00edskejte spolu\u017eadatele<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Vyzkou\u0161ejte \u00fav\u011br bez prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f<\/a><\/div><div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Krok 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Planujte-dopredu\">Pl\u00e1nujte dop\u0159edu<\/h3><p>Pokud pl\u00e1nujete \u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br, je d\u016fle\u017eit\u00e9 pl\u00e1novat rok nebo dva dop\u0159edu. Z\u00edsk\u00e1te tak mo\u017enost upravit si da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed do takov\u00e9 podoby, abyste na z\u00e1klad\u011b va\u0161ich p\u0159\u00edjm\u016f hypote\u010dn\u00ed \u00fav\u011br z\u00edskali. Nev\u00fdhodou je, \u017ee zaplat\u00edte vy\u0161\u0161\u00ed da\u0148 a pojistn\u00e9 odvody.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Krok 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ziskejte-spoluzadatele\">Z\u00edskejte spolu\u017eadatele<\/h3><p>Va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru, v\u00e1m m\u016f\u017ee pomoci dos\u00e1hnout i spolu\u017eadatel. Nav\u00edc v p\u0159\u00edpad\u011b, \u017ee spolu\u017eadatel s v\u00e1mi \u017eije v jedn\u00e9 dom\u00e1cnosti, banky va\u0161e p\u0159\u00edjmy se\u010dte a vy budete m\u00edt mo\u017enost dos\u00e1hnout na vy\u0161\u0161\u00ed hypot\u00e9ku.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_3\">Krok 3<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Vyzkousejte-uver-bez-prokazovani-prijmu\">Vyzkou\u0161ejte \u00fav\u011br bez prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f<\/h3><p>Jednou z mo\u017enost\u00ed je tak\u00e9 vybrat si takov\u00fd \u00fav\u011br, u kter\u00e9ho nemus\u00edte prokazovat sv\u00e9 p\u0159\u00edjmy. V takov\u00fdch p\u0159\u00edpadech sta\u010d\u00ed va\u0161e \u010destn\u00e9 prohl\u00e1\u0161en\u00ed, \u017ee takov\u00e9 p\u0159\u00edjmy opravdu m\u00e1te, a \u017ee dan\u00fd \u00fav\u011br zvl\u00e1dnete spl\u00e1cet.<\/p>\n<p>Nemus\u00edte tak v\u00edce zasahovat do va\u0161eho da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Na druhou stranu v\u00e1s banka bude vn\u00edmat jako rizikov\u00e9ho klienta, a tomu bude odpov\u00eddat i vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba ne\u017e u b\u011b\u017en\u00fdch hypot\u00e9k.<\/p><\/div><\/div> <\/div>\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Jak_si_vybrat_nejlep_hypotku_pro_OSV\">Jak si vybrat nejlep\u0161\u00ed hypot\u00e9ku pro OSV\u010c?<\/h2>\n\n\n\n<p>V\u00fdb\u011br spr\u00e1vn\u00e9 hypot\u00e9ky je d\u016fle\u017eit\u00fdm krokem, a\u0165 u\u017e jste podnikatel nebo ne. Ve Financer.com jsme pro v\u00e1s shrnuli <strong>na co se zam\u011b\u0159it p\u0159i hled\u00e1n\u00ed t\u00e9 nejlep\u0161\u00ed hypot\u00e9ky pro OSV\u010c.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Zkoumejte v\u00edce bank.<\/strong> Nespokojte se s prvn\u00ed nab\u00eddkou, kterou dostanete. <a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">Porovn\u00e1v\u00e1n\u00ed hypote\u010dn\u00edch nab\u00eddek<\/a> od r\u016fzn\u00fdch bank v\u00e1m umo\u017en\u00ed z\u00edskat lep\u0161\u00ed p\u0159edstavu o dostupn\u00fdch mo\u017enostech. Zkoumejte nejen \u00farokov\u00e9 sazby, ale tak\u00e9 dal\u0161\u00ed poplatky a podm\u00ednky.<\/p>\n<\/li><li><p><strong>Typ hypot\u00e9ky.<\/strong> Rozhodn\u011bte se, jak\u00fd typ hypot\u00e9ky je pro v\u00e1s nejvhodn\u011bj\u0161\u00ed. Fixn\u00ed \u00farokov\u00e1 sazba poskytuje stabilitu m\u011bs\u00ed\u010dn\u00edch plateb, zat\u00edmco variabiln\u00ed \u00farokov\u00e1 sazba m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1 v obdob\u00ed n\u00edzk\u00fdch \u00farokov\u00fdch sazeb.<\/p>\n<\/li><li><p><strong>P\u0159ed\u010dasn\u00e9 splacen\u00ed a dal\u0161\u00ed podm\u00ednky.<\/strong> Zkuste z\u00edskat co nejv\u00edce informac\u00ed o podm\u00ednk\u00e1ch hypot\u00e9ky. Zjist\u011bte, zda m\u016f\u017eete p\u0159ed\u010dasn\u011b spl\u00e1cet \u00fav\u011br, jak\u00e9 jsou poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed a jak\u00e9 dal\u0161\u00ed podm\u00ednky plat\u00ed.<\/p>\n<\/li><li><p><strong>Konzultace s odborn\u00edkem. <\/strong>Hypote\u010dn\u00ed poradce s bohat\u00fdmi zku\u0161enostmi s \u017eivnostn\u00edky v\u00e1m m\u016f\u017ee poskytnout cenn\u00e9 rady a pomoci v\u00e1m naj\u00edt nejlep\u0161\u00ed nab\u00eddku. Odborn\u00edk zn\u00e1 aktu\u00e1ln\u00ed trendy a podm\u00ednky na trhu.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Nab\u00eddka hypot\u00e9k pro \u017eivnostn\u00edky je na \u010desk\u00e9m trhu pom\u011brn\u011b pestr\u00e1. Vybrat si z t\u00e9to nab\u00eddky tak nemus\u00ed b\u00fdt tak snadn\u00e9. <strong>Ne v\u017edy je nejlep\u0161\u00ed zvolit hypot\u00e9ku s nejni\u017e\u0161\u00ed hypote\u010dn\u00ed sazbou.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Banka<\/th><th>Jak dlouho je t\u0159eba podnikat<\/th><th>Zapo\u010dten\u00ed p\u0159\u00edjmu<\/th><th>V\u00fdhody \/ nev\u00fdhody<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/moneta\/\">Moneta Money Bank<\/a><\/td><td>Minim\u00e1ln\u011b 1 zda\u0148ovac\u00ed obdob\u00ed ale standardn\u011b a\u017e 2 roky<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed \/ obratu<\/td><td>Cizinec poch\u00e1zej\u00edc\u00ed mimo EU mus\u00ed podnikat nejm\u00e9n\u011b 5 let.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/\">\u010cesk\u00e1 spo\u0159itelna<\/a><\/td><td>Standardn\u011b 2 roky<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed \/ obratu<\/td><td>&#8211;<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/csob\/\">\u010cSOB<\/a><\/td><td>Minim\u00e1ln\u011b 6 m\u011bs\u00edc\u016f v dan\u00e9m roce ale standardn\u011b a\u017e 2 roky<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed <\/td><td>V n\u011bkter\u00fdch individu\u00e1ln\u00edch p\u0159\u00edpadech m\u016f\u017ee klient podnikat i m\u00e9n\u011b ne\u017e 1 rok.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/equa-bank\/\">Equa bank<\/a><\/td><td>1 rok<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed \/ obratu<\/td><td>P\u0159ir\u00e1\u017eka k sazb\u011b\u00a0u OSV\u010c a\u017e 0,5% za podnik\u00e1n\u00ed.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/komercni-banka\/\">Komer\u010dn\u00ed banka<\/a><\/td><td>1 rok <\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed <\/td><td>&#8211;<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/mbank\/\">mBank<\/a><\/td><td>1 rok nep\u0159etr\u017eit\u011b<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed<\/td><td>V p\u0159\u00edpad\u011b LTV do 50 % sta\u010d\u00ed dolo\u017eit pouze \u201eProhl\u00e1\u0161en\u00ed o p\u0159\u00edjmech\u201c.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/raiffeisenbank\/\">Raiffeisenbank<\/a><\/td><td>1 rok nep\u0159etr\u017eit\u011b<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed<\/td><td>Je povoleno d\u011blit p\u0159\u00edjem skute\u010dn\u00fdm po\u010dtem m\u011bs\u00edc\u016f, ve kter\u00fdch klient podnikal, tedy ne nutn\u011b 12ti.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/cz\/spolecnost\/unicredit-bank\/\">UniCredit Bank<\/a><\/td><td>1 rok<\/td><td>Podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed \/ obratu<\/td><td>Individu\u00e1ln\u00ed posouzen\u00ed\u00a0odd. Risku p\u0159i p\u0159\u00edjmu dle obratu.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Srovn\u00e1n\u00ed bank<\/figcaption><\/figure>\n\n\n\n<p>D\u016fle\u017eit\u00e9 jsou i jin\u00e9 faktory jako nap\u0159\u00edklad<strong> rozli\u010dn\u00e9 poplatky, povinn\u00e1 poji\u0161t\u011bn\u00ed a podobn\u011b.<\/strong> Li\u0161\u00ed se mezi sebou i v tom, jakou v\u00fd\u0161i p\u0159\u00edjm\u016f v\u00e1m uznaj\u00ed a zda v\u00e1s jako podnikatele budou pova\u017eovat za rizikov\u00e9ho klienta.<\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_blank\" >Srovn\u00e1n\u00ed hypot\u00e9k<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Mohlo_by_vs_tak_zajmat\">Mohlo by v\u00e1s tak\u00e9 zaj\u00edmat<\/h3><ul>\n<li><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">Srovn\u00e1n\u00ed hypot\u00e9k<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/wiki\/co-je-hypoteka\/\">Co je hypot\u00e9ka?<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/wiki\/co-je-americka-hypoteka\/\">Co je americk\u00e1 hypot\u00e9ka?<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-pro-mlade\/\">Hypot\u00e9ka pro mlad\u00e9<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/blog\/pronajem-nebo-hypoteka\/\">Hypot\u00e9ka nebo pron\u00e1jem<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/jak-na-to\/hypoteka-na-nemovitost-v-zahranici\/\">Hypot\u00e9ka na nemovitost v zahrani\u010d\u00ed<\/a><\/li>\n<li><a href=\"https:\/\/financer.com\/cz\/blog\/investicni-hypoteka\/\">Investi\u010dn\u00ed hypot\u00e9ka<\/a><\/li>\n<\/ul><\/div>","protected":false},"author":16452,"featured_media":47481,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1195,76,1196],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/47478"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=47478"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/47478\/revisions"}],"predecessor-version":[{"id":47847,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/47478\/revisions\/47847"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/47481"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=47478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=47478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}