[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/kdy-prichazi-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/kdy-prichazi-spravny-cas-na-hypoteku\/","headline":"Kdy p\u0159ich\u00e1z\u00ed spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy p\u0159ich\u00e1z\u00ed spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"V kategorii – hypot\u00e9ky je hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed jeden z nejv\u011bt\u0161\u00edch z\u00e1vazk\u016f, o kter\u00fd je v bance v\u016fbec mo\u017en\u00e9 za\u017e\u00e1dat. Je spjat s celou \u0159adou podm\u00ednek a omezen\u00ed, kter\u00e9 mus\u00ed \u017eadatel splnit, aby m\u011bl v\u016fbec \u0161anci t\u00ed\u017een\u00fd obnos pen\u011bz z\u00edskat.   Zva\u017eujete v\u00fdstavbu rodinn\u00e9ho domku nebo koupi nemovitosti, kterou by bylo mo\u017en\u00e9 p\u0159etvo\u0159it k obrazu sv\u00e9mu? Pokud je va\u0161e […]","datePublished":"2022-07-18","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneyworld.cz\/wp-content\/uploads\/Sloupec_penez_UXNFKh.jpg","url":"https:\/\/moneyworld.cz\/wp-content\/uploads\/Sloupec_penez_UXNFKh.jpg","height":"","width":""},"url":"https:\/\/www.moneyworld.cz\/kdy-prichazi-spravny-cas-na-hypoteku\/","about":["Hypot\u00e9ky"],"wordCount":454,"articleBody":"V kategorii – hypot\u00e9ky je hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed jeden z nejv\u011bt\u0161\u00edch z\u00e1vazk\u016f, o kter\u00fd je v bance v\u016fbec mo\u017en\u00e9 za\u017e\u00e1dat. Je spjat s celou \u0159adou podm\u00ednek a omezen\u00ed, kter\u00e9 mus\u00ed \u017eadatel splnit, aby m\u011bl v\u016fbec \u0161anci t\u00ed\u017een\u00fd obnos pen\u011bz z\u00edskat. Zva\u017eujete v\u00fdstavbu rodinn\u00e9ho domku nebo koupi nemovitosti, kterou by bylo mo\u017en\u00e9 p\u0159etvo\u0159it k obrazu sv\u00e9mu? Pokud je va\u0161e odpov\u011b\u010f kladn\u00e1, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v\u00e1s napadne, jak je mo\u017en\u00e9 takovou nemovitost financovat. Jen mal\u00e9 procento lid\u00ed m\u00e1 tolik finan\u010dn\u00edch prost\u0159edk\u016f, aby mohli financovat v\u0161e z vlastn\u00edch zdroj\u016f, a tak p\u0159ih\u00e1z\u00ed ten spr\u00e1vn\u00fd \u010das na uva\u017eov\u00e1n\u00ed o hypot\u00e9ce. Jen\u017ee kdy je ten spr\u00e1vn\u00fd \u010das? O hypote\u010dn\u00edm \u00fav\u011bru m\u00e1 smysl uva\u017eovat kolem 30 letCeny nemovitost\u00ed ka\u017ed\u00fdm rokem rostou a spole\u010dn\u011b s nimi se zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky. P\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed hraje roli cel\u00e1 \u0159ada faktor\u016f, mezi ty nejz\u00e1kladn\u011bj\u0161\u00ed pat\u0159\u00ed v\u011bk \u017eadatele i dal\u0161\u00edch spolu\u017eadatel\u016f. V\u00fdhodou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani vysok\u00fd v\u011bk. V sou\u010dasn\u00e9 dob\u011b je ide\u00e1ln\u00ed \u017e\u00e1dat o hypot\u00e9ku kolem 30 let, kdy m\u00e1 banka u\u017e jist\u00e9 pov\u011bdom\u00ed o va\u0161\u00ed platebn\u00ed mor\u00e1lce. Hypote\u010dn\u00ed \u00fav\u011br sjednan\u00fd v ni\u017e\u0161\u00edm v\u011bku m\u00e1 tu v\u00fdhodu, \u017ee je mo\u017en\u00e9 ho spl\u00e1cet pom\u011brn\u011b dlouhou dobu. Od d\u00e9lky spl\u00e1cen\u00ed se samoz\u0159ejm\u011b odv\u00edj\u00ed i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, kter\u00e1 v tomto p\u0159\u00edpad\u011b zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det jen minim\u00e1ln\u011b. I p\u0159esto je zapot\u0159eb\u00ed si uv\u011bdomit, \u017ee se jedn\u00e1 o z\u00e1vazek, kter\u00fd n\u00e1s bude doprov\u00e1zet cel\u00e9 dek\u00e1dy. V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky by tak nem\u011bla p\u0159es\u00e1hnout 50% p\u0159\u00edjm\u016f dom\u00e1cnosti. V sou\u010dasn\u00e9 dob\u011b \u010cesk\u00e1 n\u00e1rodn\u00ed banka doporu\u010duje poskytovatel\u016fm \u00fav\u011br\u016f horn\u00ed v\u011bkovou hranici, do kter\u00e9 maj\u00ed b\u00fdt ve\u0161ker\u00e9 z\u00e1vazky v\u016f\u010di v\u011b\u0159itel\u016fm splaceny. Aktu\u00e1ln\u011b se tato hranice pohybuje kolem 65 let. \u0158ada poskytovatel\u016f \u00fav\u011br\u016f v\u0161ak toto doporu\u010den\u00ed nedodr\u017euje a nastavuje si vlastn\u00ed podm\u00ednky. Nen\u00ed tak \u017e\u00e1dnou v\u00fdjimkou setkat se i s vy\u0161\u0161\u00ed v\u011bkovou hranici kolem 70 let.                                                                                                                                                                                                                                                                                                                                                                                                                                                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