[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jenikcz.cz\/hypoteku-nebo-uver\/#Article","mainEntityOfPage":"https:\/\/www.jenikcz.cz\/hypoteku-nebo-uver\/","headline":"Hypot\u00e9ku nebo \u00fav\u011br","name":"Hypot\u00e9ku nebo \u00fav\u011br","description":"A\u010d pojem hypot\u00e9ka a \u00fav\u011br zn\u00e1 ka\u017ed\u00fd m\u00e1lokdo v\u00ed, jak s t\u011bmito p\u016fj\u010dkami pracovat \u010di k \u010demu jsou ur\u010deny. Zkr\u00e1tka st\u011b\u017e\u00ed je n\u011bkdo definuje. Jak hypot\u00e9ka,...","datePublished":"2018-06-19","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.jenikcz.cz\/author\/#Person","name":"","url":"https:\/\/www.jenikcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jenikcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jenikcz.cz\/wp-content\/uploads\/img_a321676_w2115_t1532893081.jpg","url":"https:\/\/www.jenikcz.cz\/wp-content\/uploads\/img_a321676_w2115_t1532893081.jpg","height":0,"width":0},"url":"https:\/\/www.jenikcz.cz\/hypoteku-nebo-uver\/","wordCount":406,"articleBody":"A\u010d pojem hypot\u00e9ka a \u00fav\u011br zn\u00e1 ka\u017ed\u00fd m\u00e1lokdo v\u00ed, jak s t\u011bmito p\u016fj\u010dkami pracovat \u010di k \u010demu jsou ur\u010deny. Zkr\u00e1tka st\u011b\u017e\u00ed je n\u011bkdo definuje. Jak hypot\u00e9ka, tak i \u00fav\u011br  n\u00e1m ale m\u016f\u017eou b\u00fdt dobr\u00fdmi pomocn\u00edky v p\u0159\u00edpad\u011b finan\u010dn\u00ed krize \u010di touze po vysn\u011bn\u00e9 v\u011bci. Je tedy p\u0159\u00edhodn\u00e9 si tyto dva produkty definovat. \u00dav\u011br pat\u0159\u00ed mezi zlatou st\u0159edn\u00ed cestu v r\u00e1mci financov\u00e1n\u00ed bydlen\u00ed. Dos\u00e1hne na n\u011bj t\u00e9m\u011b\u0159 ka\u017ed\u00fd, jeliko\u017e je poskytov\u00e1n jako vedlej\u0161\u00ed produkt ke stavebn\u00edmu spo\u0159en\u00ed. Tento typ p\u016fj\u010dov\u00e1n\u00ed pen\u011bz tedy funguje na principu vz\u00e1jemn\u00e9 v\u00fdpomoci. My spo\u0159\u00edme u banky pen\u00edze a ona za to, \u017ee je m\u016f\u017ee do\u010dasn\u011b vyu\u017e\u00edv\u00e1 n\u00e1m poskytne zv\u00fdhodn\u011bn\u00fd \u00fav\u011br. \u00dav\u011br tedy m\u016f\u017eeme d\u011blit na dva z\u00e1kladn\u00ed. \u00b7 P\u0159eklenovac\u00ed \u00b7 \u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed Oba typy jsou poskytov\u00e1ny v r\u00e1mci stavebn\u00edho spo\u0159en\u00ed. Prvn\u00ed tedy p\u0159eklenovac\u00ed funguje v p\u0159\u00edpad\u011b, \u017ee nem\u00e1me naspo\u0159enou po\u017eadovanou minim\u00e1ln\u00ed \u010d\u00e1stku. To je 40 % z c\u00edlov\u00e9 \u010d\u00e1stky a nespo\u0159\u00edme po dobu dvou let. Jsou u n\u011bj nastaveny spl\u00e1tky formou fixace a pokud se rozhodneme splatit p\u0159ed\u010dasn\u011b m\u016f\u017ee n\u00e1s \u010dekat sankce. Druh\u00fd typ, kter\u00fd je mnohem b\u011b\u017en\u011bj\u0161\u00ed. Tedy standartn\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed je poskytov\u00e1n pro ji\u017e st\u00e1vaj\u00edc\u00ed klienty banky. V p\u0159\u00edpad\u011b, \u017ee spo\u0159\u00edme po dobu dvou let a m\u00e1me tedy naspo\u0159eno alespo\u0148 40 % z c\u00edlov\u00e9 \u010d\u00e1stky m\u016f\u017eeme z\u00edskat zv\u00fdhodn\u011bn\u00fd \u00fav\u011br. Zde nen\u00ed nastaven\u00e1 \u017e\u00e1dn\u00e1 penalizace ani sankce za p\u0159edb\u011b\u017en\u00e9 splacen\u00ed. V obou p\u0159\u00edpadech se jedn\u00e1 o p\u016fj\u010dku na p\u0159edem stanoven\u00fd \u00fa\u010del. Tak\u017ee hlavn\u011b na bydlen\u00ed, rekonstrukci \u010di p\u0159\u00edstavbu. Je zapot\u0159eb\u00ed dolo\u017eit pot\u0159ebnou dokumentaci o v\u00fdstavb\u011b. Oproti tomu hypot\u00e9ku m\u016f\u017eeme z\u00edskat, ani\u017e bychom vlastnili stavebn\u00ed spo\u0159en\u00ed. Mus\u00edme v\u0161ak ru\u010dit nemovitost\u00ed a dokl\u00e1dat bance sv\u016fj p\u0159\u00edjem. Hypot\u00e9ku m\u016f\u017eeme z\u00edskat do maxim\u00e1ln\u00ed v\u00fd\u0161e 70 % z hodnoty nemovitosti. \u00daro\u010den\u00ed v r\u00e1mci hypot\u00e9ky d\u011bl\u00edme do dvou kategori\u00ed. \u00b7 Fixn\u00ed \u00farokov\u00e1 sazba \u00b7 Plovouc\u00ed \u00farokov\u00e1 sazba                                                                                                                                                                                                                                                                                                                                                                                         3.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ku nebo \u00fav\u011br","item":"https:\/\/www.jenikcz.cz\/hypoteku-nebo-uver\/#breadcrumbitem"}]}]