[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kphv.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.kphv.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"V\u00fdstavba rodinn\u00e9ho domu, koup\u011b nemovitosti, rekonstrukce\u2026to v\u0161e si \u017e\u00e1d\u00e1 velk\u00e9 vstupn\u00ed n\u00e1klady, kter\u00fdmi ne ka\u017ed\u00fd disponuje. Pokud je i va\u0161\u00edm snem vlastn\u00ed bydlen\u00ed, jist\u011b p\u0159em\u00fd\u0161l\u00edte, jak ho financovat. Jen m\u00e1lokdo toti\u017e dok\u00e1\u017ee tento sen prom\u011bnit v realitu bez vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f. Je tu v\u0161ak hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd n\u00e1m s t\u00edmto nelehk\u00fdm \u017eivotn\u00edm krokem m\u016f\u017ee do […]","datePublished":"2021-05-29","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.kphv.cz\/author\/#Person","name":"","url":"https:\/\/www.kphv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kphv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kphv.cz\/wp-content\/uploads\/stisk%20rukou_5.jpg","url":"https:\/\/www.kphv.cz\/wp-content\/uploads\/stisk%20rukou_5.jpg","height":0,"width":0},"url":"https:\/\/www.kphv.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Ekonomika"],"wordCount":410,"articleBody":"      V\u00fdstavba rodinn\u00e9ho domu, koup\u011b nemovitosti, rekonstrukce\u2026to v\u0161e si \u017e\u00e1d\u00e1 velk\u00e9 vstupn\u00ed n\u00e1klady, kter\u00fdmi ne ka\u017ed\u00fd disponuje. Pokud je i va\u0161\u00edm snem vlastn\u00ed bydlen\u00ed, jist\u011b p\u0159em\u00fd\u0161l\u00edte, jak ho financovat. Jen m\u00e1lokdo toti\u017e dok\u00e1\u017ee tento sen prom\u011bnit v realitu bez vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f. Je tu v\u0161ak hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd n\u00e1m s t\u00edmto nelehk\u00fdm \u017eivotn\u00edm krokem m\u016f\u017ee do zna\u010dn\u00e9 m\u00edry pomoci. Jen\u017ee kdy je vlastn\u011b ten spr\u00e1vn\u00fd \u010das? Jak\u00e9 jsou aktu\u00e1ln\u00ed podm\u00ednky, kter\u00e9 je zapot\u0159eb\u00ed splnit? Jak vybrat tu nejv\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ku? Ot\u00e1zek je zkr\u00e1tka mnoho a odpov\u011bdi se nedostavuj\u00ed. O hypot\u00e9ce m\u00e1 smysl uva\u017eovat kolem 30 letPodle z\u00e1kona je mo\u017en\u00e9 o hypot\u00e9ku za\u017e\u00e1dat po dovr\u0161en\u00ed plnoletosti. Horn\u00ed v\u011bkovou hranici pak z\u00e1kon u\u017e nijak bl\u00ed\u017ee neupravuje, \u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u0161ak stanovuje horn\u00ed v\u011bkovou hranici, do kter\u00e9 by m\u011bly b\u00fdt ve\u0161ker\u00e9 pohled\u00e1vky splaceny. Ta se aktu\u00e1ln\u011b pohybuje kolem 65 let. Jedn\u00e1 se v\u0161ak pouze o doporu\u010den\u00ed, na kter\u00e9 mnoho bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed nebere z\u0159etel. Setkat se ta m\u016f\u017eeme i s v\u011bkovou hranic\u00ed o n\u011bkolik let vy\u0161\u0161\u00ed. Je pot\u0159eba si uv\u011bdomit, \u017ee pokud chcete hypot\u00e9ku spl\u00e1cet alespo\u0148 dvacet let, m\u011bli byste o n\u00ed po\u017e\u00e1dat do sv\u00fdch \u010dty\u0159iceti let.Jak u\u017e to tak u bankovn\u00edch spole\u010dnost\u00ed b\u00fdv\u00e1, v\u00fdhrou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00e9, ba ale ani vysok\u00fd v\u011bk. Ide\u00e1ln\u00ed v\u011bk je kolem t\u0159iceti let, kdy u\u017e m\u00e1 banka ur\u010dit\u00e9 pov\u011bdom\u00ed o va\u0161\u00ed platebn\u00ed mor\u00e1lce, m\u00e1te st\u00e1l\u00fd p\u0159\u00edjem a z\u00e1zem\u00ed, kter\u00e9 zaji\u0161\u0165uje bezprobl\u00e9mov\u00e9 spl\u00e1cen\u00ed \u00fav\u011bru. Bez vlastn\u00edch prost\u0159edk\u016f se neobejdeteTy tam jsou doby, kdy bylo mo\u017en\u00e9 \u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ky, v sou\u010dasn\u00e9 dob\u011b u\u017e banky nab\u00edz\u00ed pouh\u00fdch 70% pln\u011bn\u00ed. Zbyl\u00fdch 30% mus\u00ed \u017eadatel zaplatit z vlastn\u00edch \u00faspor. V praxi to znamen\u00e1 jedin\u00e9, pokud si chcete po\u0159\u00eddit nemovitost v hodnot\u011b 3 000 000, 900 000 mus\u00ed poch\u00e1zet z va\u0161ich \u00faspor.Pokud je \u0159e\u010d o hypot\u00e9k\u00e1ch, nesm\u00edme zapomenout ani na nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edz\u00ed pro probl\u00e9mov\u00e9 \u017eadatele hypot\u00e9ky bez registru.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.kphv.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]