[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elementa.cz\/problemy-s-hypotekou-reseni-existuje\/#Article","mainEntityOfPage":"https:\/\/www.elementa.cz\/problemy-s-hypotekou-reseni-existuje\/","headline":"Probl\u00e9my s hypot\u00e9kou? \u0158e\u0161en\u00ed existuje.","name":"Probl\u00e9my s hypot\u00e9kou? \u0158e\u0161en\u00ed existuje.","description":"Asi v\u00edte, \u017ee v p\u0159\u00edpad\u011b, \u017ee si chcete v dne\u0161n\u00ed dob\u011b sjednat hypote\u010dn\u00ed \u00fav\u011br, tak je nutn\u00e9 m\u00edt na\u0161et\u0159eno asi 20% ceny cel\u00e9 nemovitosti. 20%","datePublished":"2019-10-08","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.elementa.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.elementa.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elementa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elementa.cz\/wp-content\/uploads\/img_a367088_w1896_t1579506241.jpg","url":"https:\/\/www.elementa.cz\/wp-content\/uploads\/img_a367088_w1896_t1579506241.jpg","height":0,"width":0},"url":"https:\/\/www.elementa.cz\/problemy-s-hypotekou-reseni-existuje\/","about":["Www"],"wordCount":464,"articleBody":"      Asi v\u00edte, \u017ee v p\u0159\u00edpad\u011b, \u017ee si chcete v dne\u0161n\u00ed dob\u011b sjednat hypote\u010dn\u00ed \u00fav\u011br, tak je nutn\u00e9 m\u00edt na\u0161et\u0159eno asi 20% ceny cel\u00e9 nemovitosti. 20% ale nen\u00ed zrovna mal\u00e1 \u010d\u00e1stka a mnoh\u00e9 rodiny maj\u00ed probl\u00e9m na ni dos\u00e1hnout. S cenami nemovitost\u00ed ale p\u0159\u00edmo \u00fam\u011brn\u011b rostou i n\u00e1jmy a jsou ji\u017e tak vysok\u00e9, \u017ee i n\u00e1jemn\u00ed bydlen\u00ed p\u0159est\u00e1v\u00e1 b\u00fdt pro mnoh\u00e9 rodiny komfortn\u00ed. Jak z toho ven?  1. Hypote\u010dn\u00ed \u00fav\u011br + vlastn\u00ed \u00faspory \/ru\u010den\u00ed dal\u0161\u00ed nemovitost\u00ed Ide\u00e1ln\u00ed situace je ta,  kdy y m\u00e1 rodina na\u0161et\u0159eny pen\u00edze a m\u016f\u017ee si 20% z ceny nemovitosti zaplatit s\u00e1m, t\u00edm p\u00e1dem ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f dos\u00e1hne na hypote\u010dn\u00ed \u00fav\u011br a nen\u00ed zde probl\u00e9m. Pokud nem\u00e1te na\u0161et\u0159eny pen\u00edze, ale m\u00e1te jinou nemovitost, m\u016f\u017eete klidn\u011b ru\u010dit i touto nemovitost\u00ed a t\u00edm zvednout celkovou cenu z\u00e1stavy. Z\u00e1stava tak bude vy\u0161\u0161\u00ed ne\u017e odhad va\u0161\u00ed nemovitosti a t\u00edm p\u00e1dem nebude t\u0159eba m\u00edt na\u0161et\u0159eno tolik. 2. Hypote\u010dn\u00ed \u00fav\u011br + p\u016fj\u010dka  Pokud nem\u00e1te na\u0161et\u0159eno dostatek financ\u00ed, ale m\u00e1te mo\u017enosti sjednat si p\u016fj\u010dku jinde, pak m\u016f\u017eete pen\u00edze do\u010derpat t\u0159eba s pomoc\u00ed jin\u00e9ho bankovn\u00edho subjektu. Tento model ji\u017e b\u00fdv\u00e1 slo\u017eit\u011bj\u0161\u00ed a vyplat\u00ed se domluvit se na podm\u00ednk\u00e1ch se sv\u00fdm finan\u010dn\u00edm poradcem, kter\u00fd jist\u011b v\u00ed, jak to ud\u011blat, aby s t\u00edm va\u0161e banka nem\u011bla probl\u00e9m.  3. Hypot\u00e9ka bez registru Pokud m\u00e1te po splacen\u00e9 exekuci z\u00e1znam v registru, pak jist\u011b v\u00edte, \u017ee v\u00e1m v\u011bt\u0161ina bank odm\u00edtne poskytnout hypote\u010dn\u00ed \u00fav\u011br. Jsou v\u0161ak i vyj\u00edmky, kter\u00e9 v\u00e1m tuto hypot\u00e9ku poskytnou. Po\u010d\u00edtejte v\u0161ak s t\u00edm, \u017ee nebankovn\u00ed hypot\u00e9ka bez registru je dra\u017e\u0161\u00ed, m\u00edv\u00e1 v\u011bt\u0161\u00ed \u00farok ne\u017e ta klasick\u00e1 a tak\u00e9 \u010dasto poskytuje hypot\u00e9ku jen do 70% odhadu nemovitosti po\u0159izovan\u00e9 z \u00fav\u011bru. To, \u017ee v\u011b\u0159itel nenahl\u00ed\u017e\u00ed do registru je vyv\u00e1\u017eeno pen\u011bzi, kter\u00e9 tento druh p\u016fj\u010dky stoj\u00ed. Pro v\u011b\u0159itele, se toti\u017e jedn\u00e1 o pom\u011brn\u011b velk\u00e9 riziko. \u00daroky u t\u00e9to hypot\u00e9ky se pohybuj\u00ed kolem 7% p. a. co\u017e je pom\u011brn\u011b hodn\u011b a \u010dasto se poskytuje pouze podnikatel\u016fm a firm\u00e1m, ne jednotlivc\u016fm. Pokud m\u00e1te probl\u00e9my se spl\u00e1cen\u00edm sv\u00fdch p\u0159edchoz\u00edch z\u00e1vazk\u016f, pak nen\u00ed zrovna vhodn\u00e9 si po\u0159izovat hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd v\u00e1s zadlu\u017e\u00ed na spousty let dop\u0159edu, kdy m\u016f\u017eete kdykoli p\u0159ij\u00edt o stabiln\u00ed p\u0159\u00edjem.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Probl\u00e9my s hypot\u00e9kou? \u0158e\u0161en\u00ed existuje.","item":"https:\/\/www.elementa.cz\/problemy-s-hypotekou-reseni-existuje\/#breadcrumbitem"}]}]