[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pgac.cz\/kdy-se-rozhodnout-pro-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.pgac.cz\/kdy-se-rozhodnout-pro-hypoteku\/","headline":"Kdy se rozhodnout pro hypot\u00e9ku?","name":"Kdy se rozhodnout pro hypot\u00e9ku?","description":"Mnoho lid\u00ed se rozhodne pro hypot\u00e9ku ve chv\u00edli, kdy p\u0159em\u00fd\u0161l\u00ed o po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Ceny nemovitost\u00ed i stavebn\u00edho materi\u00e1lu neust\u00e1le rostou a je proto pochopiteln\u00e9, \u017ee jen hrstka t\u011bch \u0161\u0165astn\u00fdch m\u016f\u017ee bydlen\u00ed financovat z vlastn\u00edch \u00faspor. Spole\u010dn\u011b s cenami nemovitost\u00ed, ale rostou i n\u00e1roky, kter\u00e9 jsou kladeny na \u017eadatele v bank\u00e1ch. Ov\u0161em nehledejme za nimi &hellip; <p class=\"link-more\"><a href=\"https:\/\/www.pgac.cz\/kdy-se-rozhodnout-pro-hypoteku\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> \"Kdy se rozhodnout pro hypot\u00e9ku?\"<\/span><\/a><\/p>","datePublished":"2021-10-18","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.pgac.cz\/author\/#Person","name":"","url":"https:\/\/www.pgac.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/70bfba35016f640cc40a20bdb6eeeb519f15df7de2446955eee0a1f10ed86e77?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/70bfba35016f640cc40a20bdb6eeeb519f15df7de2446955eee0a1f10ed86e77?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pgac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pgac.cz\/wp-content\/uploads\/real-estate-g387ab3b04_640.jpg","url":"https:\/\/www.pgac.cz\/wp-content\/uploads\/real-estate-g387ab3b04_640.jpg","height":0,"width":0},"url":"https:\/\/www.pgac.cz\/kdy-se-rozhodnout-pro-hypoteku\/","about":["Finance"],"wordCount":390,"articleBody":"   Mnoho lid\u00ed se rozhodne pro hypot\u00e9ku ve chv\u00edli, kdy p\u0159em\u00fd\u0161l\u00ed o po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Ceny nemovitost\u00ed i stavebn\u00edho materi\u00e1lu neust\u00e1le rostou a je proto pochopiteln\u00e9, \u017ee jen hrstka t\u011bch \u0161\u0165astn\u00fdch m\u016f\u017ee bydlen\u00ed financovat z vlastn\u00edch \u00faspor. Spole\u010dn\u011b s cenami nemovitost\u00ed, ale rostou i n\u00e1roky, kter\u00e9 jsou kladeny na \u017eadatele v bank\u00e1ch. Ov\u0161em nehledejme za nimi neochotu bank p\u016fj\u010dovat, ale sp\u00ed\u0161e slo\u017eitou legislativu, kter\u00e1 tak p\u0159ikazuje. Hypot\u00e9ka do 45 let Nejni\u017e\u0161\u00ed v\u011bkov\u00e1 hranice, kdy je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br je v \u010cesk\u00e9 republice dovr\u0161en\u00ed plnoletosti, tedy 18 let. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice pak z\u00e1konem ji\u017e nijak stanoven\u00e1 nen\u00ed. Je ov\u0161em mo\u017en\u00e9 vych\u00e1zet z doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 \u0159\u00edk\u00e1, \u017ee v\u0161echny pohled\u00e1vky v\u016f\u010di dlu\u017en\u00edkovi by m\u011bli b\u00fdt splaceny do 65 let jeho v\u011bku. Z toho vypl\u00fdv\u00e1 jedin\u00e9, pokud tedy chcete m\u00edt na spl\u00e1cen\u00ed hypot\u00e9ky alespo\u0148 20 let, je o n\u00ed dobr\u00e9 po\u017e\u00e1dat do 45 let v\u011bku. Je v\u0161ak ot\u00e1zkou, jak se k takov\u00e9 \u017e\u00e1dosti bude stav\u011bt banka. Bankovn\u00ed instituce stanovuj\u00ed nepsanou v\u011bkovou hranici 30 let, kdy je nejv\u00fdhodn\u011bj\u0161\u00ed \u017e\u00e1dat o \u00fav\u011brov\u00e9 produkty. \u017dadatel\u00e9 u\u017e maj\u00ed n\u011bjakou finan\u010dn\u00ed historii a z\u00e1rove\u0148 maj\u00ed p\u0159ed sebou je\u0161t\u011b des\u00edtky let produktivn\u00edho \u017eivota. Pr\u00e1v\u011b \u017eadatel\u00e9 kolem t\u0159ic\u00edtky maj\u00ed \u0161anci na dlouhou dobu spl\u00e1cen\u00ed, kter\u00e1 je spojen\u00e1 s velmi p\u0159\u00edznivou \u00farokovou sazbou a n\u00edzk\u00fdmi m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami. V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 uzav\u0159\u00edt hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed a\u017e na 30 let, tedy u mnoh\u00fdch v\u011bt\u0161inu jejich produktivn\u00edho \u017eivota. P\u0159i hled\u00e1n\u00ed t\u00e9 spr\u00e1vn\u00e9 hypot\u00e9ky https:\/\/www.americkahypoteka.cz\/hypoteka\/ se zam\u011b\u0159te na v\u00edce faktor\u016f ne\u017e jen \u00farokovou sazbu. Nab\u00eddky jednotliv\u00fdch bank se zas a\u017e tak neli\u0161\u00ed. V \u010dem se ale li\u0161it m\u016f\u017eou, jsou nastaven\u00e9 podm\u00ednky, sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed, poji\u0161t\u011bn\u00ed nebo t\u0159eba d\u00e9lka fixace. Fixace n\u00e1m \u0159\u00edk\u00e1, po jak dlouhou dobu n\u00e1m v\u011b\u0159itel garantuje fixn\u00ed \u00farokovou sazbu. Zpravidla se pohybuje od 3 do 8 let.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy se rozhodnout pro hypot\u00e9ku?","item":"https:\/\/www.pgac.cz\/kdy-se-rozhodnout-pro-hypoteku\/#breadcrumbitem"}]}]