[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jenikcz.cz\/jak-postupovat-k-ziskani-vyhodne-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.jenikcz.cz\/jak-postupovat-k-ziskani-vyhodne-hypoteky\/","headline":"Jak postupovat k z\u00edsk\u00e1n\u00ed v\u00fdhodn\u00e9 hypot\u00e9ky","name":"Jak postupovat k z\u00edsk\u00e1n\u00ed v\u00fdhodn\u00e9 hypot\u00e9ky","description":"V roce 2018 se na popud \u010cesk\u00e9 n\u00e1rodn\u00ed banky zp\u0159\u00edsnily podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Jejich na\u0159\u00edzen\u00edm se samoz\u0159ejm\u011b museli p\u0159izp\u016fsobit v\u0161echny banky. \u00darokov\u00e9 sazby jsou...","datePublished":"2020-01-06","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_a378877_w3022_t1590127262.jpg","url":"https:\/\/www.jenikcz.cz\/wp-content\/uploads\/img_a378877_w3022_t1590127262.jpg","height":0,"width":0},"url":"https:\/\/www.jenikcz.cz\/jak-postupovat-k-ziskani-vyhodne-hypoteky\/","about":["Finance"],"wordCount":422,"articleBody":"        V roce 2018 se na popud \u010cesk\u00e9 n\u00e1rodn\u00ed banky zp\u0159\u00edsnily podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Jejich na\u0159\u00edzen\u00edm se samoz\u0159ejm\u011b museli p\u0159izp\u016fsobit v\u0161echny banky. \u00darokov\u00e9 sazby jsou v sou\u010dasnosti velice p\u0159\u00edzniv\u00e9 a b\u011bhem roku 2020 by se nijak z\u00e1vratn\u011b zvy\u0161ovat nem\u011bli. Je proto st\u00e1le skv\u011bl\u00fd \u010das na to p\u0159estat platit n\u00e1jem a p\u0159est\u011bhovat se do vlastn\u00edho. Jak si na trhu vybrat to nejlep\u0161\u00ed?  Kolik pot\u0159ebujete a kolik u\u017e m\u00e1te? Jako prvn\u00ed si mus\u00edte zjistit, kolik je banka ochotn\u00e1 p\u016fj\u010dit. Se 100 procenty nepo\u010d\u00edtejte. Naspo\u0159eno mus\u00edte m\u00edt v\u011bt\u0161inou 20 procent z odhadn\u00ed ceny, p\u0159i\u010dem\u017e zbyl\u00fdch 80 procent z\u00edsk\u00e1te od nich. Re\u00e1ln\u011b m\u016f\u017eete o\u010dek\u00e1vat tak\u00e9 to, \u017ee budou cht\u00edt detailn\u011b zn\u00e1t v\u0161echny va\u0161e p\u0159\u00edjmy a v\u00fddaje. To znamen\u00e1, \u017ee se bude zpov\u00eddat z toho, kolik plat\u00edte za j\u00eddlo, oble\u010den\u00ed i z\u00e1bavu. Nezam\u011b\u0159ujte se jen na jednu spole\u010dnost Na \u010desk\u00e9m trhu najdete nespo\u010det bankovn\u00edch i nebankovn\u00edch hypot\u00e9k, ze kter\u00fdch m\u016f\u017eete vyb\u00edrat. N\u011bkter\u00e9 budou v\u00fdhodn\u011bj\u0161\u00ed a vhodn\u011bj\u0161\u00ed ne\u017e jin\u00e9, proto nen\u00ed dobr\u00e9 se spol\u00e9hat nap\u0159. Jen na instituci, u kter\u00e9 m\u00e1te z\u0159\u00edzen\u00fd b\u011b\u017en\u00fd \u00fa\u010det. Projd\u011bte jich co mo\u017en\u00e1 nejv\u00edce a nechte si od nich vypracovat nez\u00e1vaznou kalkulaci. D\u00edky tomu snadno zjist\u00edte, co pro v\u00e1s bude do budoucna nejlep\u0161\u00ed. Napl\u00e1nujte si \u010derp\u00e1n\u00ed \u00fav\u011bru Tohle plat\u00ed u v\u00fdstavby domu. Je zapot\u0159eb\u00ed si dob\u0159e p\u0159e\u010d\u00edst podm\u00ednky konkr\u00e9tn\u00ed spole\u010dnosti, proto\u017ee n\u011bkter\u00e9 poskytnou finance ihned a stavba je na v\u00e1s. V\u011bt\u0161ina m\u00e1 ale limity na \u010derp\u00e1n\u00ed, nap\u0159. mus\u00edte kompletn\u011b dokon\u010dit stavbu do dvou let, jinak riskujete \u00fahradu vysok\u00e9ho pen\u00e1le.  Myslete na z\u00e1stavu V\u00e1m se mo\u017en\u00e1 dan\u00e1 nemovitost l\u00edb\u00ed, ale pro instituci nemus\u00ed b\u00fdt v\u016fbec ide\u00e1ln\u00ed. Vztahuj\u00ed-li se na ni jak\u00e1koli b\u0159emena nebo z\u00e1stavy, z pohledu poradce bude klesat jej\u00ed kvalita. Probl\u00e9mem by ale mohl b\u00fdt tak\u00e9 d\u016fm v z\u00e1plavov\u00e9 oblasti apod., proto\u017ee pot\u00e9 bude velice t\u011b\u017ek\u00e9 nemovitost pojistit. A pojistka je \u010dasto podm\u00ednkou pro to, aby \u017e\u00e1dost o \u00fav\u011br byla schv\u00e1lena.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak postupovat k z\u00edsk\u00e1n\u00ed v\u00fdhodn\u00e9 hypot\u00e9ky","item":"https:\/\/www.jenikcz.cz\/jak-postupovat-k-ziskani-vyhodne-hypoteky\/#breadcrumbitem"}]}]