[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dosla.cz\/jak-vlastne-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.dosla.cz\/jak-vlastne-ziskat-hypoteku\/","headline":"Jak vlastn\u011b z\u00edskat hypot\u00e9ku?","name":"Jak vlastn\u011b z\u00edskat hypot\u00e9ku?","description":"Nastal pro v\u00e1s \u010das po\u0159\u00eddit si vlastn\u00ed bydlen\u00ed, ale st\u00e1le v\u00e1m vrt\u00e1 hlavou ot\u00e1zka: „Dos\u00e1hnu na hypot\u00e9ku https:\/\/nebankovnihypoteka.cz\/dosahnu-na-hypoteku-a-jak-ji-ziskat\/?“ Odpov\u011b\u010f nen\u00ed jednozna\u010dn\u011b jasn\u00e1, proto\u017ee a\u010dkoliv jsou …","datePublished":"2022-07-09","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.dosla.cz\/author\/#Person","name":"","url":"https:\/\/www.dosla.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dosla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dosla.cz\/wp-content\/uploads\/income-tax-4097292_640_3.jpg","url":"https:\/\/www.dosla.cz\/wp-content\/uploads\/income-tax-4097292_640_3.jpg","height":0,"width":0},"url":"https:\/\/www.dosla.cz\/jak-vlastne-ziskat-hypoteku\/","about":["Finance"],"wordCount":424,"articleBody":"       Nastal pro v\u00e1s \u010das po\u0159\u00eddit si vlastn\u00ed bydlen\u00ed, ale st\u00e1le v\u00e1m vrt\u00e1 hlavou ot\u00e1zka: „Dos\u00e1hnu na hypot\u00e9ku https:\/\/nebankovnihypoteka.cz\/dosahnu-na-hypoteku-a-jak-ji-ziskat\/?“ Odpov\u011b\u010f nen\u00ed jednozna\u010dn\u011b jasn\u00e1, proto\u017ee a\u010dkoliv jsou krit\u00e9ria jasn\u011b dan\u00e1, v\u017edy existuj\u00ed kli\u010dky, nebo jin\u00e9 mo\u017enosti. Poj\u010fme se na to tedy pod\u00edvat od z\u00e1kladu.Z\u00e1kladn\u00ed po\u017eadavkyKdy\u017e zajdete do banky \u017e\u00e1dat o hypot\u00e9ku, z\u00e1kladn\u00edmi po\u017eadavky jsou \u010dist\u00fd registr, a dostate\u010dn\u00e9 p\u0159\u00edjmy. Co vlastn\u011b znamenaj\u00ed dostate\u010dn\u00e9 p\u0159\u00edjmy? Ty jsou stanoveny bankovn\u00edmi pravidly, a odv\u00edjej\u00ed se od mo\u017enosti v\u00fd\u0161e spl\u00e1tek. Jednodu\u0161eji \u0159e\u010deno, kdy\u017e posoud\u00edte dv\u011b osoby se stejn\u00fdm p\u0159\u00edjmem, ale rozd\u00edln\u00fdm v\u011bkem, m\u00e1 ten mlad\u0161\u00ed v\u011bt\u0161\u00ed \u0161anci na hypot\u00e9ku dos\u00e1hnout, jeliko\u017e jeho doba spl\u00e1cen\u00ed m\u016f\u017ee b\u00fdt del\u0161\u00ed, a jednotliv\u00e9 spl\u00e1tky tedy ni\u017e\u0161\u00ed. Posuzuje se v\u0161ak i st\u00e1lost zam\u011bstn\u00e1n\u00ed, a jin\u00e9 v\u00fddaje, pop\u0159\u00edpad\u011b p\u016fj\u010dky. P\u0159\u00edklad:Dejme tomu, \u017ee je v\u00e1m 30 let, m\u00e1te po \u0161kole, stabiln\u00ed zam\u011bstn\u00e1n\u00ed, a rozhodli jste se zalo\u017eit rodinu. Na to pot\u0159ebujete vlastn\u00ed d\u016fm. Vyhl\u00e9dnete si d\u016fm vhodn\u00fd k oprav\u011b, kter\u00fd stoj\u00ed 3 500 000K\u010d. Minim\u00e1ln\u011b byste m\u011bli m\u00edt na\u0161et\u0159eno 700 000K\u010d, a v\u00e1\u0161 p\u0159\u00edjem by m\u011bl b\u00fdt v \u010dist\u00e9m alespo\u0148 50 000K\u010d m\u011bs\u00ed\u010dn\u011b, jeliko\u017e va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka bude \u010dinit 17 387K\u010d na dobu dvaceti let. P\u0159\u00edklad je pouze nam\u00e1tkov\u00fd, a vytvo\u0159en\u00fd pomoc\u00ed nam\u00e1tkov\u00e9 bankovn\u00ed kalkula\u010dky.Jak za\u017e\u00e1dat o hypot\u00e9ku?Ide\u00e1ln\u00ed je, kdy\u017e si se\u017eenete vlastn\u00edho hypote\u010dn\u00edho poradce, kter\u00fd s v\u00e1mi v\u0161e probere. Je v\u0161ak pot\u0159eba vy\u0159\u00eddit ve\u0161ker\u00e9 n\u00e1le\u017eitosti, ov\u011b\u0159it podklady, a po\u010d\u00edtejte s t\u00edm, \u017ee to zabere m\u011bs\u00edce, mo\u017en\u00e1 i roky, ne\u017e se v\u0161e poda\u0159\u00ed vy\u0159\u00eddit.Jde to i rychleji?Hled\u00e1te-li rychlej\u0161\u00ed a efektivn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed va\u0161\u00ed \u017e\u00e1dosti o hypot\u00e9ku, m\u016f\u017eete se obr\u00e1tit na nebankovn\u00ed spole\u010dnost, kter\u00e1 s v\u00e1mi v\u011bt\u0161inu v\u011bc\u00ed vy\u0159e\u0161\u00ed online, \u010di po telefonu, a tak nebudete muset neust\u00e1le odb\u00edhat, a v\u0161e \u0159e\u0161it. Specialista nebankovn\u00ed instituce v\u0161e vy\u0159e\u0161\u00ed za v\u00e1s, a v\u00e1m tak bude sta\u010dit pro\u010d\u00edst nab\u00eddku, a v p\u0159\u00edpad\u011b spokojenosti podepsat.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vlastn\u011b z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.dosla.cz\/jak-vlastne-ziskat-hypoteku\/#breadcrumbitem"}]}]