[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pgac.cz\/s-hypotekou-k-lepsimu-zivotu\/#Article","mainEntityOfPage":"https:\/\/www.pgac.cz\/s-hypotekou-k-lepsimu-zivotu\/","headline":"S hypot\u00e9kou k lep\u0161\u00edmu \u017eivotu","name":"S hypot\u00e9kou k lep\u0161\u00edmu \u017eivotu","description":"&#13; Kdo by necht\u011bl bydlet ve vlastn\u00edm. Bohu\u017eel je v\u00fdstavba domu nebo po\u0159\u00edzen\u00ed bytu drahou z\u00e1le\u017eitost\u00ed, a m\u00e1lokdo si m\u016f\u017ee dovolit si koupit nemovitost ze sv\u00fdch \u00faspor. Proto banky nab\u00edzej\u00ed produkt zvan\u00fd hypot\u00e9ka, kter\u00fd slou\u017e\u00ed pr\u00e1v\u011b k tomuto \u00fa\u010delu.&#13; Mnoho lid\u00ed pova\u017euje vlastn\u00ed bydlen\u00ed za jistotu ve st\u00e1\u0159\u00ed, a chce se vyhnout placen\u00ed n\u00e1jemn\u00e9ho, kter\u00e9 &hellip; <p class=\"link-more\"><a href=\"https:\/\/www.pgac.cz\/s-hypotekou-k-lepsimu-zivotu\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> \"S hypot\u00e9kou k lep\u0161\u00edmu \u017eivotu\"<\/span><\/a><\/p>","datePublished":"2019-03-18","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\/img_a340086_w2804_t1553164625.jpg","url":"https:\/\/www.pgac.cz\/wp-content\/uploads\/img_a340086_w2804_t1553164625.jpg","height":0,"width":0},"url":"https:\/\/www.pgac.cz\/s-hypotekou-k-lepsimu-zivotu\/","about":["Finance"],"wordCount":425,"articleBody":" &#13; Kdo by necht\u011bl bydlet ve vlastn\u00edm. Bohu\u017eel je v\u00fdstavba domu nebo po\u0159\u00edzen\u00ed bytu drahou z\u00e1le\u017eitost\u00ed, a m\u00e1lokdo si m\u016f\u017ee dovolit si koupit nemovitost ze sv\u00fdch \u00faspor. Proto banky nab\u00edzej\u00ed produkt zvan\u00fd hypot\u00e9ka, kter\u00fd slou\u017e\u00ed pr\u00e1v\u011b k tomuto \u00fa\u010delu.&#13; Mnoho lid\u00ed pova\u017euje vlastn\u00ed bydlen\u00ed za jistotu ve st\u00e1\u0159\u00ed, a chce se vyhnout placen\u00ed n\u00e1jemn\u00e9ho, kter\u00e9 je \u010d\u00edm d\u00e1l dra\u017e\u0161\u00ed. Krom\u011b toho, nikomu se nechce do bytu, kter\u00fd mu nepat\u0159\u00ed, investovat, a proto nem\u016f\u017ee bydlet zcela podle sv\u00e9ho.&#13; &#13; Kolik mus\u00edte m\u00edt naspo\u0159eno?&#13; Hypot\u00e9kou jsou nejv\u00edce zat\u00ed\u017een\u00ed lid\u00e9 mezi 30 a 39 lety, je\u017e jsou vysoko\u0161kolsky vzd\u011blan\u00ed. Tedy mlad\u00e9 rodiny s vy\u0161\u0161\u00edm p\u0159\u00edjmem. Hypote\u010dn\u00ed \u00faroky jdou v sou\u010dasnosti st\u00e1le nahoru a pohybuj\u00ed se kolem 3 %.&#13; \u010c\u00edm d\u00e1l m\u00e9n\u011b lid\u00ed je schopno na hypote\u010dn\u00ed \u00fav\u011br dos\u00e1hnout. A to i z toho d\u016fvodu, \u017ee je nutn\u00e9 m\u00edt naspo\u0159eno alespo\u0148 10 % z celkov\u00e9 v\u00fd\u0161e \u00fav\u011bru. Zvl\u00e1\u0161t\u011b pro mlad\u00e9 lidi je to probl\u00e9m. Nav\u00edc byste na spl\u00e1tky hypot\u00e9ky nem\u011bli vynalo\u017eit v\u00edce ne\u017e 45 % va\u0161eho \u010dist\u00e9ho p\u0159\u00edjmu.&#13; \u017d\u00e1dost o hypot\u00e9ku&#13; O \u00fav\u011br na bydlen\u00ed si m\u016f\u017eete po\u017e\u00e1dat sami nebo se sv\u00fdm partnerem \u010di partnerkou. V tomto p\u0159\u00edpad\u011b se stanete spoludlu\u017en\u00edky, a pokud z n\u011bjak\u00e9ho d\u016fvodu p\u0159estanete spl\u00e1cet, banka je opr\u00e1vn\u011bna dluhy vym\u00e1hat po kter\u00e9mkoli z v\u00e1s.&#13; P\u0159i \u017e\u00e1dosti o \u00fav\u011br \u010dekejte prov\u011b\u0159ov\u00e1n\u00ed va\u0161ich p\u0159\u00edjm\u016f a v\u00fddaj\u016f i rizika z\u00e1stavy. Bude-li va\u0161e \u017e\u00e1dost schv\u00e1lena, u\u017e sta\u010d\u00ed jen podepsat p\u0159ipraven\u00e9 smlouvy. Po \u00fa\u0159edn\u00edm ov\u011b\u0159en\u00ed podpis\u016f v\u0161ech vlastn\u00edk\u016f nemovitosti odnesete n\u011bkter\u00e9 dokumenty na katastr\u00e1ln\u00ed \u00fa\u0159ad.&#13; Od banky, u kter\u00e9 \u017e\u00e1d\u00e1te o hypot\u00e9ku, se m\u016f\u017eete do\u010dkat odhadu nemovitosti \u010di za\u0159\u00edzen\u00ed v\u00fdpisu z katastru nemovitost\u00ed a kopie katastr\u00e1ln\u00ed mapy.&#13; V\u00fd\u0161e spl\u00e1tek z\u00e1vis\u00ed na d\u00e9lce spl\u00e1cen\u00ed, kter\u00e1 m\u016f\u017ee b\u00fdt t\u0159eba 40 let dlouh\u00e1. Ru\u010dit lze kupovanou nemovitost\u00ed, pokud jde o d\u016fm \u010di byt v osobn\u00edm vlastnictv\u00ed, nebo jakoukoli jinou nemovitost\u00ed. \u00darokovou sazbu si m\u016f\u017eete zafixovat na dobu dlouhou, dle sv\u00e9ho uv\u00e1\u017een\u00ed. Ur\u010dit\u011b v\u00e1s tak\u00e9 pot\u011b\u0161\u00ed, \u017ee si z hypote\u010dn\u00edho \u00fav\u011bru m\u016f\u017eete \u00faroky ode\u010d\u00edst od z\u00e1kladu dan\u011b.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S hypot\u00e9kou k lep\u0161\u00edmu \u017eivotu","item":"https:\/\/www.pgac.cz\/s-hypotekou-k-lepsimu-zivotu\/#breadcrumbitem"}]}]