[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.epod.cz\/jak-ziskat-hypoteku-za-vyhodnych-podminek\/#Article","mainEntityOfPage":"https:\/\/www.epod.cz\/jak-ziskat-hypoteku-za-vyhodnych-podminek\/","headline":"Jak z\u00edskat hypot\u00e9ku za v\u00fdhodn\u00fdch podm\u00ednek?","name":"Jak z\u00edskat hypot\u00e9ku za v\u00fdhodn\u00fdch podm\u00ednek?","description":"Z\u00edskat v dne\u0161n\u00ed dob\u011b hypot\u00e9ku nen\u00ed tak snadn\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. I kdy\u017e je na trhu v sou\u010dasnosti p\u0159ebytek likvidity a banky se doslova p\u0159edh\u00e1n\u00ed s nab\u00eddkami nejr\u016fzn\u011bj\u0161\u00edch \u00fav\u011brov\u00fdch produkt\u016f, slo\u017eit\u00e1 legislativa vydan\u00e1 \u010cNB, je tak trochu proti nim. Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem stoupaj\u00ed do astronomick\u00fdch v\u00fd\u0161in a dos\u00e1hnout na […]","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.epod.cz\/author\/#Person","name":"","url":"https:\/\/www.epod.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"epod.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.epod.cz\/jak-ziskat-hypoteku-za-vyhodnych-podminek\/","about":["Byt a d\u016fm"],"wordCount":403,"articleBody":"                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Z\u00edskat v dne\u0161n\u00ed dob\u011b hypot\u00e9ku nen\u00ed tak snadn\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. I kdy\u017e je na trhu v sou\u010dasnosti p\u0159ebytek likvidity a banky se doslova p\u0159edh\u00e1n\u00ed s nab\u00eddkami nejr\u016fzn\u011bj\u0161\u00edch \u00fav\u011brov\u00fdch produkt\u016f, slo\u017eit\u00e1 legislativa vydan\u00e1 \u010cNB, je tak trochu proti nim. Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem stoupaj\u00ed do astronomick\u00fdch v\u00fd\u0161in a dos\u00e1hnout na hypot\u00e9ku ve v\u00fd\u0161i n\u011bkolika milion\u016f s minim\u00e1ln\u00ed mzdou, je skoro nemo\u017en\u00e9. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na n\u011bkolik fakt\u016f o hypot\u00e9k\u00e1ch, kter\u00e9 v\u00e1m mohou p\u0159i vyjedn\u00e1v\u00e1n\u00ed s bankou pomoci. Jak\u00e9 jsou v sou\u010dasnosti podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru?  Na za\u010d\u00e1tku je pot\u0159eba zm\u00ednit, \u017ee jednotliv\u00e9 hypote\u010dn\u00ed \u00fav\u011bry se banku od banky li\u0161\u00ed. Krom bankovn\u00edho sektoru se nav\u00edc m\u016f\u017eeme setkat i s nab\u00eddkami z toho nebankovn\u00edho. Sly\u0161eli jste nap\u0159\u00edklad o hypot\u00e9ce bez dolo\u017een\u00ed p\u0159\u00edjmu? Hypot\u00e9ka je v sou\u010dasnosti velmi drah\u00fd luxus, kter\u00fd si nem\u016f\u017ee dovolit ka\u017ed\u00fd. Banky skute\u010dn\u011b nenab\u00edzej\u00ed hypote\u010dn\u00ed \u00fav\u011bry jen tak na po\u010dk\u00e1n\u00ed a z\u00edskat ho je pro mnoho lid\u00ed velmi n\u00e1ro\u010dn\u00e9. Podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a st\u00e1le v\u00edce lid\u00ed d\u00e1v\u00e1 p\u0159ednost nebankovn\u00edm spole\u010dnostem, kde jsou podm\u00ednky p\u0159eci jenom o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Jak\u00e9 jsou ale v sou\u010dasnosti podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky? V\u011bk  I v\u011bk \u017eadatele hraje d\u016fle\u017eitou roli p\u0159i schvalov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Minim\u00e1ln\u00ed v\u011bkovou hranic\u00ed pro sjedn\u00e1n\u00ed jak\u00e9hokoliv \u00fav\u011brov\u00e9ho produktu je samoz\u0159ejm\u011b plnoletost. Horn\u00ed v\u011bkovou hranici m\u00e1 ka\u017ed\u00e1 instituce nastavenou individu\u00e1ln\u011b. \u010cNB v\u0161ak doporu\u010duje bank\u00e1m horn\u00ed v\u011bkovou hranici 65 let klienta, do kdy by m\u011bl b\u00fdt \u00fav\u011br splacen. Jedn\u00e1 se pouze o doporu\u010den\u00ed, mnoho spole\u010dnost\u00ed m\u00e1 v\u0161ak tuto hranici dokonce posunutou o n\u011bkolik let. Nejv\u011bt\u0161\u00ed \u0161anci na z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru m\u00e1 pak \u017eadatel v produktivn\u00edm v\u011bku. Minim\u00e1ln\u00ed naopak v d\u016fchodu nebo p\u0159i studiu.                                                                                                                                                                                                                                                                                                                                                                                                    "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku za v\u00fdhodn\u00fdch podm\u00ednek?","item":"https:\/\/www.epod.cz\/jak-ziskat-hypoteku-za-vyhodnych-podminek\/#breadcrumbitem"}]}]