{"id":2255,"date":"2017-02-26T19:03:06","date_gmt":"2017-02-26T18:03:06","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=2255"},"modified":"2024-01-18T01:18:08","modified_gmt":"2024-01-18T00:18:08","slug":"hypoteky","status":"publish","type":"page","link":"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/","title":{"rendered":"Hypot\u00e9ky"},"content":{"rendered":"\n<p>U hypot\u00e9k je <strong>minim\u00e1ln\u00ed \u010d\u00e1stka k p\u016fj\u010den\u00ed <\/strong>stanoven\u00e1 na 200 000 korun. P\u0159es hypot\u00e9ku si tedy m\u00e9n\u011b p\u016fj\u010dit nelze. Pokud <strong>pot\u0159ebujete ni\u017e\u0161\u00ed \u010d\u00e1stky<\/strong>, m\u016f\u017eete vyu\u017e\u00edt \u0159\u00e1dn\u00e9ho nebo p\u0159eklenovac\u00edho \u00fav\u011bru ze <a href=\"https:\/\/financer.com\/cz\/uspory\/stavebni-sporeni\/\">stavebn\u00edho spo\u0159en\u00ed<\/a>.<\/p>\n\n\n\n<p><strong>Maxim\u00e1ln\u00ed \u010d\u00e1stka<\/strong> je pak u\u017e jen omezen\u00e1 hodnotou nemovitosti a \u017eadatelov\u00fdmi p\u0159\u00edjmy. B\u011b\u017en\u00e1 <strong>nejvy\u0161\u0161\u00ed hranice je dvacet milion\u016f. <\/strong>Hypot\u00e9ku tak jako fyzick\u00e1 osoba z\u00edsk\u00e1te nejv\u00fd\u0161e na osmn\u00e1ct milion\u016f p\u0159i 90 procentech LTV.<\/p>\n\n\n\n<p><strong>Doba splatnosti<\/strong> je kdekoli\u00a0od 5 do 30 let, tak\u017ee si v\u00fd\u0161i <strong>m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky <\/strong>nastav\u00edte p\u0159esn\u011b podle va\u0161ich pot\u0159eb. Jen p\u00e1r spole\u010dnost\u00ed v \u010cesk\u00e9 republice <strong>umo\u017e\u0148uje p\u016fj\u010dit si na 40 let.<\/strong> Bez ohledu na d\u00e9lku doby splatnosti se v\u0161e mus\u00ed nastavit tak, aby<strong> posledn\u00ed spl\u00e1tka<\/strong> prob\u011bhla maxim\u00e1ln\u011b v 75 letech v\u011bku \u017eadatele.<\/p>\n\n\n\n<p>Ve Financer.com jsme pro v\u00e1s shrnuli v\u0161echny v\u00fdrazn\u00e9<strong> v\u00fdhody a nev\u00fdhody hypot\u00e9ky, jako zp\u016fsobu financov\u00e1n\u00ed nemovitosti:<\/strong><\/p>\n\n\n<h3><\/h3><br><ul><li>Ni\u017e\u0161\u00ed a levn\u011bj\u0161\u00ed \u00farokov\u00e9 sazby<\/li><li>Speci\u00e1ln\u00ed p\u0159ed\u010dasn\u00e9 splacen\u00ed<\/li><li>P\u00e1kov\u00e9 financov\u00e1n\u00ed<\/li><li>R\u016fzn\u00e9 druhy spl\u00e1cen\u00ed<\/li><\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Vysok\u00e9 dodate\u010dn\u00e9 n\u00e1klady a poplatky<\/p>\n<\/li><li>\n<p>Dlouholet\u00fd z\u00e1vazek<\/p>\n<\/li><li>\n<p>Vlastn\u00ed kapit\u00e1l<\/p>\n<\/li><\/ul><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hypotka_podmnky\">Hypot\u00e9ka podm\u00ednky<\/h2>\n\n\n\n<p>Podm\u00ednky a vlastnosti hypot\u00e9k jsou v z\u00e1kladu vcelku jasn\u00e9. Kolik si tak m\u016f\u017eete p\u016fj\u010dit a za jak\u00fd \u00farok tedy bude <strong>ovliv\u0148ovat va\u0161e sou\u010dasn\u00e1 finan\u010dn\u00ed situace<\/strong>, va\u0161e p\u0159edchoz\u00ed historie spl\u00e1cen\u00ed i samotn\u00e1 vybran\u00e1 nemovitost. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><ul>\n<li>Pro \u010ceskou republiku plat\u00ed, \u017ee <strong>zastaven\u00e1 nemovitost<\/strong> mus\u00ed b\u00fdt na \u010desk\u00e9m \u00fazem\u00ed.<\/li>\n<li>P\u016fj\u010duje se <strong>u\u017e od 300 000 korun,<\/strong> maxim\u00e1ln\u00ed v\u00fd\u0161e z\u00e1le\u017e\u00ed na hodnot\u011b nemovitosti a p\u0159\u00edjmech<\/li>\n<li>Posouzen\u00ed a schv\u00e1len\u00ed hypot\u00e9ky trv\u00e1 <strong>v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b asi t\u00fdden<\/strong>.<\/li>\n<li>Jednou ro\u010dn\u011b m\u00e1te mo\u017enost <strong>zdarma p\u0159ed\u010dasn\u011b splatit a\u017e 25 procent<\/strong> p\u016fj\u010den\u00e9 \u010d\u00e1stky.<\/li>\n<li>Dobu spl\u00e1cen\u00ed si nastav\u00edte <strong>podle mo\u017enost\u00ed i na 20 nebo 30 let.<\/strong><\/li>\n<\/ul><\/div>\n\n\n<p>Hypote\u010dn\u00ed \u00fav\u011br dosahuje<strong> n\u00edzk\u00fdch \u00farok\u016f <\/strong>pr\u00e1v\u011b t\u00edm, \u017ee je \u00fav\u011br od za\u010d\u00e1tku <strong>zaji\u0161t\u011bn\u00fd nemovitost\u00ed. <\/strong>M\u016f\u017ee to b\u00fdt pr\u00e1v\u011b kupovan\u00fd nebo stav\u011bn\u00fd d\u016fm, ale m\u016f\u017eete d\u00e1t do zaji\u0161t\u011bn\u00ed i <strong>nemovitost ve vlastnictv\u00ed jin\u00e9 osoby.<\/strong><\/p>\n\n\n\n<p><br>Ide\u00e1ln\u00ed je situace, kdy va\u0161e<strong> celkov\u00e9 n\u00e1klady na bydlen\u00ed <\/strong>v\u010detn\u011b energi\u00ed nep\u0159ekro\u010d\u00ed 30 procent va\u0161eho\u00a0<a href=\"https:\/\/financer.com\/cz\/osobni-finance\/financni-gramotnost\/rodinny-rozpocet\/\">rodinn\u00e9ho rozpo\u010dtu<\/a>. Aby se toti\u017e \u010dlov\u011bk nedostal do p\u0159\u00edpadn\u00fdch pot\u00ed\u017e\u00ed, m\u011bly by b\u00fdt <strong>spl\u00e1tky hypot\u00e9ky<\/strong> pro rodinu \u00fanosn\u00e9. <\/p>\n\n\n\n<p>Z\u00e1rove\u0148 pot\u0159ebuje je\u0161t\u011b b\u00fdt schopn\u00fd si tvo\u0159it\u00a0<a href=\"https:\/\/financer.com\/cz\/osobni-finance\/financni-gramotnost\/financni-rezerva\/\">finan\u010dn\u00ed rezervu<\/a>\u00a0pro nenad\u00e1l\u00e9 situace. Pr\u00e1v\u011b <strong>30 procent p\u0159\u00edjm\u016f<\/strong> tak tvo\u0159\u00ed pom\u011brn\u011b dobrou hranici.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Limit ukazatele LTV <\/strong>(v\u00fd\u0161e hypot\u00e9ky v pom\u011bru k hodnot\u011b zastavovan\u00e9 nemovitosti) se sni\u017euje na 80 % (z 90 %).<\/p>\n<\/li><li>\n<p><strong> Limity ukazatele DSTI <\/strong>(pom\u011br celkov\u00e9 dluhov\u00e9 slu\u017eby a \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu \u017eadatele o \u00fav\u011br) bude 45 procent. <\/p>\n<\/li><li>\n<p><strong>U\u00a0mlad\u00fdch do 36 let <\/strong>bude LTV limit 50 procent.<\/p>\n<\/li><li>\n<p><strong>Dosavadn\u00ed limit ukazatele DTI <\/strong>(pom\u011br v\u00fd\u0161e dluhu a \u010dist\u00e9ho p\u0159\u00edjmu \u017eadatele o \u00fav\u011br) bude 8,5. A u mlad\u00fdch 9,5.<\/p>\n<\/li><\/ul><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pedpoklady_pro_schvlen_\">P\u0159edpoklady pro schv\u00e1len\u00ed <\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 <strong>banka <\/strong>si v\u00e1s p\u0159ed samotn\u00fdm fin\u00e1ln\u00edm schv\u00e1len\u00edm hypot\u00e9ky bude <strong>cht\u00edt prov\u011b\u0159it.<\/strong> D\u00edvat se bude zejm\u00e9na na n\u00e1sleduj\u00edc\u00ed oblasti. <\/p>\n\n\n\n<p>Ka\u017ed\u00e1 z nich hraje p\u0159i schvalovac\u00edm procesu d\u016fle\u017eitou roli. Pokud v\u0161ak <strong>spl\u0148ujete krit\u00e9ria<\/strong> dan\u00e1 t\u011bmito oblastmi, va\u0161e <strong>\u0161ance na schv\u00e1len\u00ed hypot\u00e9ky<\/strong> je pom\u011brn\u011b vysok\u00e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ve_pjm\">V\u00fd\u0161e p\u0159\u00edjm\u016f<\/h3>\n\n\n\n<p>V\u00fd\u0161e p\u0159\u00edjm\u016f je <strong>to nejd\u016fle\u017eit\u011bj\u0161\u00ed co rozhodne<\/strong> proto\u017ee ur\u010d\u00ed, jestli si budete moci dovolit spl\u00e1tku, a jakou<strong> maxim\u00e1ln\u00ed \u010d\u00e1stku<\/strong> v\u00e1m bude moci banka na bydlen\u00ed poskytnout.<\/p>\n\n\n\n<p>Dolo\u017e\u00edte tak sv\u016fj <strong>pravideln\u00fd p\u0159\u00edjem.<\/strong> Jako zam\u011bstnanec je v\u017edy nejlep\u0161\u00ed m\u00edt <strong>smlouvu na dobu neur\u010ditou. <\/strong>Budete pot\u0159ebovat dolo\u017eit potvrzen\u00ed od zam\u011bstnavatele o v\u00fd\u0161i p\u0159\u00edjm\u016f i <strong>ov\u011b\u0159en\u00e9 v\u00fdplatn\u00ed p\u00e1sky.<\/strong><\/p>\n\n\n\n<p>Jako<strong> OSV\u010c<\/strong> p\u0159edlo\u017e\u00edte potvrzen\u00e9<strong> p\u0159izn\u00e1n\u00ed k dani z p\u0159\u00edjm\u016f<\/strong> za posledn\u00ed dva roky a tak\u00e9 potvrzen\u00ed o zaplacen\u00ed u zdravotn\u00ed poji\u0161\u0165ovny a \u010cSSZ.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>O hypot\u00e9ku nav\u00edc m\u016f\u017ee \u017e\u00e1dat <strong>i v\u011bt\u0161\u00ed po\u010det osob z\u00e1rove\u0148.<\/strong> N\u011bkdy to b\u00fdvaj\u00ed a\u017e \u010dty\u0159i osoby ze dvou r\u016fzn\u00fdch dom\u00e1cnost\u00ed. Takto na hypot\u00e9ku mohou dos\u00e1hnout<strong> i mlad\u00e9 rodiny s pomoc\u00ed p\u0159\u00edbuzn\u00fdch<\/strong> nebo dobr\u00fdch kamar\u00e1d\u016f.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vdaje_adatele\">V\u00fddaje \u017eadatele<\/h3>\n\n\n\n<p>K p\u0159\u00edjm\u016fm bude banka <strong>kontrolovat i v\u00fddaje. <\/strong>Tedy v\u0161echno, co mus\u00edte pravideln\u011b platit a co za platby v\u00e1m odch\u00e1z\u00ed. Je tedy d\u016fle\u017eit\u00e9, aby spl\u00e1tky <a href=\"https:\/\/financer.com\/cz\/pujcky\/spotrebitelsky-uver\/\">\u00fav\u011br\u016f<\/a>, leasingu, dal\u0161\u00edch z\u00e1vazk\u016f, platby na <a href=\"https:\/\/financer.com\/cz\/pojisteni\/zivotni\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, <a href=\"https:\/\/financer.com\/cz\/uspory\/stavebni-sporeni\/\">stavebn\u00ed spo\u0159en\u00ed<\/a>, penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed a v\u0161echny dal\u0161\u00ed pravideln\u00e9 platby netvo\u0159ily podstatnou \u010d\u00e1st va\u0161ich p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p><strong>V <a href=\"https:\/\/financer.com\/cz\/osobni-finance\/\">osobn\u00edch financ\u00edch<\/a> plat\u00ed, \u017ee nen\u00ed d\u016fle\u017eit\u00e9, kolik \u010dlov\u011bk vyd\u011bl\u00e1v\u00e1 ale je d\u016fle\u017eit\u00e9, kolik mu zbude<\/strong>. Stejn\u011b je to i zde. Vysok\u00fd p\u0159\u00edjem \u017eadateli nepom\u016f\u017ee, pokud m\u00e1 moc vysok\u00e9 z\u00e1vazky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vk_adatele\">V\u011bk \u017eadatele<\/h3>\n\n\n\n<p>Skoro v\u0161echny banky poskytnou pen\u00edze jen \u017eadateli, kter\u00e9mu bude <strong>na konci trv\u00e1n\u00ed smlouvy maxim\u00e1ln\u011b 70 let<\/strong>, ide\u00e1ln\u011b v\u0161ak 65. M\u00e1 to i svou v\u00fdhodu, \u0161anci na hypote\u010dn\u00ed \u00fav\u011br tak m\u00e1 i pades\u00e1tn\u00edk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Bezdlunost_a_dobr_zznamy\">Bezdlu\u017enost a dobr\u00e9 z\u00e1znamy<\/h3>\n\n\n\n<p><strong>Dobr\u00e1 platebn\u00ed mor\u00e1lka a bezdlu\u017enost <\/strong>je u v\u0161ech dobr\u00fdch \u00fav\u011br\u016f samoz\u0159ejmost\u00ed. U \u00fav\u011br\u016f na bydlen\u00ed to ale plat\u00ed dvojn\u00e1sob, p\u0159eci jen jde o z\u00e1vazek na dlouhou dobu. Banka pot\u0159ebuje jistotu, \u017ee <strong>klient bude poctiv\u011b spl\u00e1cet<\/strong> a v p\u0159\u00edpad\u011b nalezen\u00ed negativn\u00edch z\u00e1znam\u016f v registrech tuto jistotu nem\u00e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nemovitost\">Nemovitost<\/h3>\n\n\n\n<p>Posledn\u00ed d\u016fle\u017eit\u00e1 v\u011bc je<strong> prov\u011b\u0159en\u00ed samotn\u00e9 nemovitosti. <\/strong>Banka pot\u0159ebuje ov\u011b\u0159it vlastnick\u00e1 a nab\u00fdvac\u00ed pr\u00e1va k nemovitosti, v\u00fdpisy z katastru i jej\u00ed odhadn\u00ed cenu.<\/p>\n\n\n\n<p>Pokud chcete hypot\u00e9kou<strong> financovat v\u00fdstavbu<\/strong>, je samoz\u0159ejm\u011b postup kontroly a dokladov\u00e1n\u00ed r\u016fzn\u00fdch potvrzen\u00ed jin\u00fd, ne\u017e v p\u0159\u00edpad\u011b financov\u00e1n\u00ed koup\u011b nebo p\u0159estavby. Mimo jin\u00e9 p\u016fjde i o <strong>dolo\u017een\u00ed stavebn\u00edho povolen\u00ed a hotov\u00fd rozpo\u010det stavby.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Fixan_obdob_a_LTV\">Fixa\u010dn\u00ed obdob\u00ed a LTV<\/h2>\n\n\n\n<p><strong>Hypot\u00e9ka<\/strong>, nebo-li hypote\u010dn\u00ed \u00fav\u011br, je jako druh <a href=\"https:\/\/financer.com\/cz\/pujcky\/\">p\u016fj\u010dky<\/a>\u00a0v\u017edy <strong>sv\u00e1zan\u00fd s n\u011bjakou nemovitost\u00ed. <\/strong>Banka v\u00e1m m\u016f\u017ee p\u016fj\u010dit v\u011bt\u0161inu hodnoty kupovan\u00e9ho pozemku nebo stavby. Nej\u010dast\u011bji jde o<strong> 80 procent jej\u00ed celkov\u00e9 hodnoty.<\/strong><\/p>\n\n\n\n<p>Takzvan\u00e9<strong> stoprocentn\u00ed hypot\u00e9ky<\/strong> dnes u\u017e banky poskytovat nemohou. Ro\u010dn\u011b mohou klient\u016fm<strong> poskytnout ur\u010dit\u00e9 mno\u017estv\u00ed hypot\u00e9k, <\/strong>kter\u00e9 tvo\u0159\u00ed okolo 90 procent hodnoty nemovitosti (LTV), dal\u0161\u00ed u\u017e mus\u00ed omezit na 85 nebo 80 procent.<\/p>\n\n\n\n<p>Zbytek pen\u011bz tedy pot\u0159ebujete <strong>dolo\u017eit z vlastn\u00edch zdroj\u016f.<\/strong> Nejlep\u0161\u00ed je samoz\u0159ejm\u011b je m\u00edt na\u0161et\u0159en\u00e9. B\u011b\u017en\u011b se k \u00fahrad\u011b zb\u00fdvaj\u00edc\u00ed \u010d\u00e1sti ale pou\u017e\u00edv\u00e1 \u00fav\u011br ze <a href=\"https:\/\/financer.com\/cz\/uspory\/stavebni-sporeni\/\">stavebn\u00edho spo\u0159en\u00ed<\/a>.<\/p>\n\n\n\n<p>Samoz\u0159ejm\u011b plat\u00ed i to, \u017ee <strong>\u010d\u00edm m\u00e9n\u011b si budete pot\u0159ebovat p\u016fj\u010dit, t\u00edm lep\u0161\u00ed v\u00e1m banka bude moci nab\u00eddnout \u00farok. <\/strong>Proto\u017ee jsou ale \u00faroky na trhu pohybliv\u00e9, nab\u00edz\u00ed banky u sv\u00fdch hypot\u00e9k r\u016fzn\u00e9 doby fixace, tedy na jakou dobu v\u00e1m mohou garantovat pevn\u00fd \u00farok.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>Nej\u010dast\u011bji jde <strong>o jeden, t\u0159i, p\u011bt nebo deset let.<\/strong> Po tuto dobu m\u00e1te podepsan\u00fd \u00farok jist\u00fd. Jakmile tahle doba skon\u010d\u00ed, m\u016f\u017eete si <strong>\nechat ud\u011blat bu\u010f refixaci,<\/strong> tedy nechat si znovu &#8222;uzamknout&#8220; \u00farok na dal\u0161\u00ed dobu, nebo si <strong>hypot\u00e9ku refinancovat u jin\u00e9 banky.<\/strong> Nov\u00e1 v\u00fd\u0161e \u00faroku ale stejn\u011b u\u017e bude odpov\u00eddat b\u011b\u017en\u00fdm podm\u00ednk\u00e1m na trhu.<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zpsoby_splcen_hypotky\">Zp\u016fsoby spl\u00e1cen\u00ed hypot\u00e9ky<\/h2>\n\n\n\n<p>Ne v\u0161echny zp\u016fsoby spl\u00e1cen\u00ed \u00fav\u011br\u016f jsou stejn\u00e9. U hypot\u00e9k se pravideln\u011b objevuj\u00ed n\u00e1sleduj\u00edc\u00ed t\u0159i:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Anuitn\u00ed<\/strong>\u00a0\u2013 je nejb\u011b\u017en\u011bj\u0161\u00ed a u n\u00e1s je to <strong>obvykl\u00fd zp\u016fsob spl\u00e1cen\u00ed v\u011bt\u0161iny \u00fav\u011br\u016f. <\/strong>Plat\u00edte st\u00e1le stejnou \u010d\u00e1stku, ve kter\u00e9 se ale postupn\u011b m\u011bn\u00ed pom\u011br mezi spl\u00e1tkou jistiny a vypo\u010dten\u00e9ho \u00faroku. <strong>Ze za\u010d\u00e1tku spl\u00e1cen\u00ed tak jde ze spl\u00e1tky v\u00edce na \u00faroky,<\/strong> ke konci smlouvy u\u017e spl\u00e1c\u00edte tak\u0159ka v\u00fdhradn\u011b jistinu.<\/p>\n<\/li><li>\n<p><strong>Degresivn\u00ed<\/strong>\u00a0\u2013 u\u017e od za\u010d\u00e1tku plat\u00edte klidn\u011b a\u017e <strong>dvojn\u00e1sobek b\u011b\u017en\u00e9 anuitn\u00ed spl\u00e1tky.<\/strong> Rychleji t\u00edm ale spl\u00e1c\u00edte jistinu, a tak v\u00e1m v pr\u016fb\u011bhu spl\u00e1cen\u00ed st\u00e1le kles\u00e1 a kles\u00e1 pravideln\u00e1 v\u00fd\u0161e spl\u00e1tek. Celkem tak <strong>zaplat\u00edte m\u00e9n\u011b na \u00faroc\u00edch<\/strong> a ka\u017ed\u00fd rok se m\u016f\u017eete t\u011b\u0161it na ni\u017e\u0161\u00ed spl\u00e1tku.<\/p>\n<\/li><li>\n<p><strong>Progresivn\u00ed<\/strong>\u00a0\u2013 je opakem degresivn\u00edho zp\u016fsobu spl\u00e1cen\u00ed. Pro prvn\u00ed polovinu doby splatnosti tedy plat\u00edte ni\u017e\u0161\u00ed spl\u00e1tky hypot\u00e9ky, a <strong>ka\u017ed\u00fd rok jejich v\u00fd\u0161e o n\u011bco nar\u016fst\u00e1. <\/strong>Zhruba<strong> od druh\u00e9 poloviny spl\u00e1cen\u00ed jsou m\u011bs\u00ed\u010dn\u00ed n\u00e1klady vy\u0161\u0161\u00ed <\/strong><br>\ne\u017e u anuitn\u00ed verze. P\u0159i v\u00fdro\u010d\u00ed fixace m\u016f\u017eete p\u0159ej\u00edt i na anuitn\u00ed zp\u016fsob. Tato mo\u017enost b\u00fdv\u00e1 vhodn\u00e1<strong> pro mlad\u00e9 lidi na za\u010d\u00e1tku kari\u00e9ry,<\/strong> kdy je\u0161t\u011b nemaj\u00ed tak velk\u00e9 p\u0159\u00edjmy.<\/p>\n<\/li><\/ul><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hypotka_roky\">Hypot\u00e9ka \u00faroky<\/h2>\n\n\n\n<p>Z\u00e1kladn\u00ed \u00faroky<strong> se odv\u00edj\u00ed hlavn\u011b od sou\u010dasn\u00e9 situace<\/strong> na trhu. Dnes je skoro nemo\u017en\u00e9 se dostat pod dv\u011b procenta a v\u00fdhledov\u011b se m\u016f\u017ee z\u00e1kladn\u00ed sazba dostat a\u017e ke t\u0159em.<\/p>\n\n\n\n<p>Ceny hypot\u00e9k vych\u00e1zej\u00ed <strong>z hlavn\u00edch \u00farokov\u00fdch sazeb.<\/strong> V \u010cesk\u00e9 republice se nej\u010dast\u011bji pou\u017e\u00edv\u00e1 <strong>t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed sazba PRIBOR, <\/strong>kterou pak banky nav\u00fd\u0161\u00ed o svoji mar\u017ei.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>\u00da\u010del \u00fav\u011bru hraje tak\u00e9 dost podstatnou roli. <strong>Americk\u00e1 hypot\u00e9ka<\/strong> tak m\u00e1 zpravidla mnohem vy\u0161\u0161\u00ed \u00faroky, proto\u017ee se <strong>\ne\u010dek\u00e1 toti\u017e, \u017ee by \u0161ly pen\u00edze zp\u00e1tky<\/strong> do dan\u00e9 nemovitosti. Banka tak neo\u010dek\u00e1v\u00e1, \u017ee by se cena nemovitosti o tolik zvy\u0161ovala.<\/div>\n\n\n<p>Do celkov\u00e9 v\u00fd\u0161e \u00faroku se ale zapo\u010d\u00edt\u00e1v\u00e1 <strong>n\u011bkolik r\u016fzn\u00fdch faktor\u016f. <\/strong>V prv\u00e9 \u0159ad\u011b z\u00e1le\u017e\u00ed na <strong>sjednan\u00e9 d\u00e9lce fixace.<\/strong> B\u011bhem t\u00e9to doby m\u00e1te zaru\u010denou pevnou sazbu a po jej\u00edm skon\u010den\u00ed se s bankou<strong> dohodnete na nov\u00fdch podm\u00ednk\u00e1ch, <\/strong>nebo svou hypot\u00e9ku refinancujete u jin\u00e9 banky.<\/p>\n\n\n\n<p>Pokud nechcete vyu\u017e\u00edt fixa\u010dn\u00edch obdob\u00ed, bude se va\u0161e hypot\u00e9ka \u00faro\u010dit plovouc\u00ed sazbou, a ta pak vych\u00e1z\u00ed p\u0159\u00edmo ze sou\u010dasn\u00e9 situace na trhu a <strong>\u010d\u00e1stky ke spl\u00e1cen\u00ed se tak pravideln\u011b p\u0159epo\u010d\u00edt\u00e1vaj\u00ed.<\/strong><\/p>\n\n\n\n<p>V\u00fd\u0161i sazby tak\u00e9 ovliv\u0148uje to, <strong>kolik k po\u0159\u00edzen\u00ed nemovitosti budete cht\u00edt dolo\u017eit ze sv\u00e9ho.<\/strong> \u010c\u00edm vy\u0161\u0161\u00ed toti\u017e budete cht\u00edt LTV (tedy pom\u011br hypot\u00e9ky a hodnoty nemovitosti), t\u00edm vy\u0161\u0161\u00ed budou zpravidla i \u00faroky.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Proces_schvlen_hypotky\">Proces schv\u00e1len\u00ed hypot\u00e9ky<\/h2>\n\n\n\n<p>Vysv\u011btl\u00edme si<strong> podrobn\u00fd postup p\u0159i schvalov\u00e1n\u00ed hypot\u00e9ky. <\/strong>V\u0161echno za\u010d\u00edn\u00e1 va\u0161\u00edm pod\u00e1n\u00edm \u017e\u00e1dosti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Podn_dosti\">Pod\u00e1n\u00ed \u017e\u00e1dosti<\/h3>\n\n\n\n<p>S hypote\u010dn\u00edm specialistou nebo s \u00fa\u0159edn\u00edkem na p\u0159ep\u00e1\u017ece banky vypln\u00edte a <strong>pod\u00e1te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br.<\/strong> Budete tedy \u0159e\u0161it v\u011bci jako <strong>celkovou v\u00fd\u0161i hypot\u00e9ky, v\u00fdslednou LTV<\/strong> (tedy kolik si p\u016fj\u010dujete oproti skute\u010dn\u00e9 cen\u011b), fixaci \u00farokov\u00e9 sazby a tak\u00e9 i \u00fa\u010del \u00fav\u011bru. <\/p>\n\n\n\n<p>Bude pot\u0159eba<strong> ov\u011b\u0159it va\u0161i toto\u017enost <\/strong>dolo\u017een\u00edm dvou doklad\u016f toto\u017enosti. V\u017edy je to <strong>ob\u010dansk\u00fd pr\u016fkaz<\/strong> a jako dal\u0161\u00ed doklad m\u016f\u017ee slou\u017eit \u0159idi\u010dsk\u00fd pr\u016fkaz, rodn\u00fd list nebo zbrojn\u00ed pr\u016fkaz.<\/p>\n\n\n\n<p>Jinak se postupuje p\u0159i financov\u00e1n\u00ed stavby, jinak p\u0159i jej\u00ed koupi a jinak p\u0159i <strong>americk\u00e9 hypot\u00e9ce. <\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Prescoring\">Prescoring<\/h3>\n\n\n\n<p>Va\u0161e \u017e\u00e1dost pak projde <strong>prvn\u00edm schvalovac\u00edm procesem<\/strong>. Banka se tedy bude prvn\u011b d\u00edvat do <a href=\"https:\/\/financer.com\/cz\/osobni-finance\/registry-dluzniku\/\">registr\u016f dlu\u017en\u00edk\u016f<\/a>\u00a0a registr\u016f smluv. Pokud nalezne n\u011bjak\u00e9 <strong>negativn\u00ed z\u00e1znamy,<\/strong> bu\u010f v\u00e1m nab\u00eddne hor\u0161\u00ed \u00farokovou sazbu, nebo v\u00e1m va\u0161i \u017e\u00e1dost rovnou odm\u00edtne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Dodn_dalch_dokument\">Dod\u00e1n\u00ed dal\u0161\u00edch dokument\u016f<\/h3>\n\n\n\n<p>Po prescoringov\u00e9 \u010d\u00e1sti pak budete bance <strong>dokl\u00e1dat prakticky v\u0161echny dal\u0161\u00ed dokumenty. <\/strong>Ka\u017ed\u00e1 je m\u00e1 ov\u0161em nastaven\u00e9 trochu jinak a po\u017eaduje je v jin\u00fdch \u010d\u00e1stech schvalovac\u00edho procesu.<\/p>\n\n\n\n<p>Dokl\u00e1dat budete jako zam\u011bstnanec<strong> sv\u016fj p\u0159\u00edjem nebo jako OSV\u010c da\u0148ov\u00e9 p<\/strong>\u0159izn\u00e1n\u00ed za posledn\u00ed dva roky. D\u00e1le budete pot\u0159ebovat dolo\u017eit<strong> kupn\u00ed nebo z\u00e1stavn\u00ed smlouvy,<\/strong> odhad nemovitosti a dal\u0161\u00ed dokumenty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Scoring\">Scoring<\/h3>\n\n\n\n<p>V t\u00e9to \u010d\u00e1sti budou <strong>bankovn\u00ed analytici z dodan\u00fdch dokument\u016f po\u010d\u00edtat, <\/strong>jestli v\u00e1m dok\u00e1\u017e\u00ed p\u016fj\u010dit celou po\u017eadovanou \u010d\u00e1stku a tak\u00e9, jakou v\u00e1m budou moci nab\u00eddnout \u00farokovou sazbu.<\/p>\n\n\n\n<p>Jakmile va\u0161i \u017e\u00e1dost schv\u00e1l\u00ed, cel\u00e9 vy\u0159izov\u00e1n\u00ed se v\u00e1m posouv\u00e1 do<strong> fin\u00e1ln\u00ed f\u00e1ze,<\/strong> proto\u017ee se u\u017e za\u010dnou chystat v\u0161echny<strong> smlouvy nutn\u00e9 k dokon\u010den\u00ed va\u0161\u00ed hypot\u00e9ky.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Podpis_a_erpn_vru\">Podpis a \u010derp\u00e1n\u00ed \u00fav\u011bru<\/h3>\n\n\n\n<p>Jakmile podep\u00ed\u0161ete v\u0161echny dokumenty a d\u016fle\u017eit\u00e9 \u010d\u00e1sti smlouvy, budete se moci <strong>za\u010d\u00edt p\u0159ipravovat na \u010derp\u00e1n\u00ed hypot\u00e9ky.<\/strong> Ov\u0161em banky vy\u017eaduj\u00ed nap\u0159ed spln\u011bn\u00ed n\u011bkter\u00fdch podm\u00ednek. O kter\u00e9 konkr\u00e9tn\u011b p\u016fjde bude vid\u011bt ve va\u0161\u00ed hypote\u010dn\u00ed smlouv\u011b. <\/p>\n\n\n\n<p>V\u011bt\u0161inou se ale jedn\u00e1 n\u011bkter\u00e9 z n\u00e1sleduj\u00edc\u00edch v\u011bc\u00ed:<\/p>\n\n\n\n<ul>\n<li>Potvrzen\u00ed o zaplacen\u00ed zbyl\u00e9 \u010d\u00e1sti hypot\u00e9ky<\/li>\n\n\n\n<li>Vy\u0159\u00edzen\u00ed poji\u0161t\u011bn\u00ed nemovitosti<\/li>\n\n\n\n<li>Pod\u00e1n\u00ed n\u00e1vrhu na vklad z\u00e1stavn\u00edho pr\u00e1va<\/li>\n\n\n\n<li>A aktu\u00e1ln\u00ed v\u00fdpis z katastru<\/li>\n<\/ul>\n\n\n\n<p><br>Po spln\u011bn\u00ed v\u0161ech podm\u00ednek se dohodnete na <strong>term\u00ednu \u010derp\u00e1n\u00ed pen\u011bz z hypot\u00e9ky.<\/strong> U rekonstrukc\u00ed a stavby to ale v\u011bt\u0161inou b\u00fdv\u00e1 \u0159e\u0161en\u00e9 <strong>formou postupn\u00e9ho \u010derp\u00e1n\u00ed.<\/strong> Dokud nevy\u010derp\u00e1te dohodnutou \u010d\u00e1stku, tak bance prozat\u00edm plat\u00edte jen \u00faroky.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pronjem_nebo_hypotka\">Pron\u00e1jem nebo hypot\u00e9ka<\/h2>\n\n\n\n<p>P\u0159em\u00fd\u0161l\u00edte, zda se v\u00e1m <strong>vyplat\u00ed \u017e\u00e1dat o hypot\u00e9ku<\/strong> nebo rad\u011bji z\u016fstat v pron\u00e1jmu?Jak n\u00e1jem, tak i spl\u00e1cen\u00ed vlastn\u00edho bydlen\u00ed hypot\u00e9kou m\u00e1 <strong>sv\u00e9 v\u00fdhody i nev\u00fdhody.<\/strong><\/p>\n\n\n\n<p><strong>V\u00fd\u0161i n\u00e1jmu neovlivn\u00edte, <\/strong>proto\u017ee z\u00e1le\u017e\u00ed na pronaj\u00edmateli. Na druhou stranu se ale nebudete muset starat o mnoho v\u011bc\u00ed.<\/p>\n\n\n\n<p>U vlastn\u00edho \u00fav\u011bru na bydlen\u00ed si<strong> spl\u00e1tky nastav\u00edte podle va\u0161ich pot\u0159eb<\/strong>. Sta\u010d\u00ed si vhodn\u011b nakombinovat celkovou <strong>dobu spl\u00e1cen\u00ed s dobou fixace.<\/strong><\/p>\n\n\n\n<p>P\u0159i financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed budete <strong>nakonec bydlet ve sv\u00e9m.<\/strong> P\u0159i n\u00e1jmu ale bude byt st\u00e1le pat\u0159it pronaj\u00edmateli.<\/p>\n\n\n\n<p>Z toho pr\u00e1v\u011b plyne je\u0161t\u011b jedna v\u011bc. Ve vlastn\u00edm bydlen\u00ed<strong> si pravidla ur\u010dujete sami <\/strong>a nikdo v\u00e1m nem\u016f\u017ee \u0159\u00edkat, co m\u016f\u017eete nebo nem\u016f\u017eete d\u011blat. <strong>Hypot\u00e9ka<\/strong> je tak jedna z cest, jak m\u016f\u017eete tohoto stavu dos\u00e1hnout.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Americk_hypotka\">Americk\u00e1 hypot\u00e9ka<\/h2>\n\n\n\n<p>\u00da\u010delov\u00e1 hypot\u00e9ka\u00a0je zcela bez v\u00fdhrad ur\u010den\u00e1 na <strong>investici do vlastn\u00ed nemovitosti. <\/strong>Je tedy jedno, jestli pen\u00edze pou\u017eijete na rozs\u00e1hlou rekonstrukci, stavbu nebo koupi od n\u011bkoho jin\u00e9ho.<\/p>\n\n\n\n<p>Na finan\u010dn\u00edm trhu ale existuje i jin\u00fd, sice podobn\u00fd produkt nazvan\u00fd a<strong>merick\u00e1 hypot\u00e9ka.<\/strong> Tento druh <a href=\"https:\/\/financer.com\/cz\/pujcky\/spotrebitelsky-uver\/\">\u00fav\u011bru<\/a> ale neslou\u017e\u00ed pro po\u0159\u00edzen\u00ed bydlen\u00ed, sp\u00ed\u0161e je tomu naopak. Nemovitost u\u017e m\u00e1te a d\u00e1te ji <strong>oproti ne\u00fa\u010delov\u00e9mu \u00fav\u011bru do z\u00e1stavy.<\/strong><\/p>\n\n\n\n<p>D\u00edky n\u00ed tak m\u00e1te mo\u017enost si <strong>p\u016fj\u010dit v\u00edce pen\u011bz na del\u0161\u00ed dobu.<\/strong> Z\u00edskan\u00e9 pen\u00edze m\u016f\u017eete pou\u017e\u00edt na cokoli budete pot\u0159ebovat. B\u011b\u017en\u011b tak z\u00edsk\u00e1te okolo 50 a\u017e 60 procent jej\u00ed hodnoty.<\/p>\n\n\n\n<p><strong>B\u011b\u017en\u00e1 hypot\u00e9ka<\/strong> se s \u00farokem pohybuje <strong>okolo t\u0159\u00ed procent,<\/strong> proto\u017ee z\u00edskan\u00e9 pen\u00edze jsou \u00fa\u010delov\u011b vynalo\u017een\u00e9 na bydlen\u00ed. Banka tak m\u00e1 <strong>pomysln\u011b v\u011bt\u0161\u00ed z\u00e1ruku. <\/strong>Naproti tomu <strong>americk\u00e1 hypot\u00e9ka<\/strong> se s \u00farokem pohybuje <strong>okolo p\u011bti \u0161esti procent, <\/strong>proto\u017ee jako ne\u00fa\u010delov\u00fd \u00fav\u011br je i p\u0159es z\u00e1stavu pro banky rizikov\u011bj\u0161\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p><strong>P\u016fj\u010d\u00edte si vysok\u00e9 \u010d\u00e1stky &#8211; <\/strong>m\u016f\u017eete z\u00edskat a\u017e 60% hodnoty nemovitosti<\/p>\n<\/li><li>\n<p><strong>Z\u00edsk\u00e1te n\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky &#8211;<\/strong> proto\u017ee si spl\u00e1cen\u00ed rozlo\u017e\u00edte a\u017e na 20 let<\/p>\n<\/li><li>\n<p><strong>M\u016f\u017eete si p\u016fj\u010dit na cokoli &#8211;<\/strong> krom\u011b podnik\u00e1n\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p><strong>Riskujete ztr\u00e1tu zastaven\u00e9 nemovitosti &#8211;<\/strong> v p\u0159\u00edpad\u011b, \u017ee budete m\u00edt probl\u00e9my se spl\u00e1cen\u00edm<\/p>\n<\/li><li>\n<p><strong>P\u016fj\u010dka je slo\u017eit\u011bj\u0161\u00ed na vy\u0159\u00edzen\u00ed<\/strong> &#8211; proto\u017ee pot\u0159ebujete dolo\u017eit velk\u00e9 mno\u017estv\u00ed dokument\u016f<\/p>\n<\/li><li>\n<p><strong>Vysok\u00e9 poplatky a \u00faroky &#8211; <\/strong>oproti b\u011b\u017en\u00e9 hypot\u00e9ce<\/p>\n<\/li><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>U hypot\u00e9k je minim\u00e1ln\u00ed \u010d\u00e1stka k p\u016fj\u010den\u00ed stanoven\u00e1 na 200 000 korun. P\u0159es hypot\u00e9ku si tedy m\u00e9n\u011b p\u016fj\u010dit nelze. Pokud\u2026 <\/p>\n","protected":false},"author":16452,"featured_media":28462,"parent":1845,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_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,"footnotes":""},"tags":[32],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/2255"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/page"}],"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=2255"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/2255\/revisions"}],"predecessor-version":[{"id":51455,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/2255\/revisions\/51455"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/pages\/1845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/28462"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=2255"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/tags?post=2255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}