[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dosla.cz\/jak-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.dosla.cz\/jak-ziskat-hypoteku\/","headline":"Jak z\u00edskat hypot\u00e9ku?","name":"Jak z\u00edskat hypot\u00e9ku?","description":"Z\u00edskat v dne\u0161n\u00ed dob\u011b hypot\u00e9ku rozhodn\u011b nen\u00ed nic jednoduch\u00e9ho. \u010cNB p\u0159ed p\u00e1r lety zakro\u010dila a doporu\u010dila bank\u00e1m, aby poskytovaly men\u0161\u00ed objem hypot\u00e9k. Toto opat\u0159en\u00ed bylo …","datePublished":"2024-12-24","dateModified":"2024-12-24","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\/real-estate-6688945_640(1).jpg","url":"https:\/\/www.dosla.cz\/wp-content\/uploads\/real-estate-6688945_640(1).jpg","height":0,"width":0},"url":"https:\/\/www.dosla.cz\/jak-ziskat-hypoteku\/","about":["Finance"],"wordCount":396,"articleBody":"      Z\u00edskat v dne\u0161n\u00ed dob\u011b hypot\u00e9ku rozhodn\u011b nen\u00ed nic jednoduch\u00e9ho. \u010cNB p\u0159ed p\u00e1r lety zakro\u010dila a doporu\u010dila bank\u00e1m, aby poskytovaly men\u0161\u00ed objem hypot\u00e9k. Toto opat\u0159en\u00ed bylo zavedeno kv\u016fli tomu, \u017ee hypot\u00e9ku z\u00edskal ka\u017ed\u00fd, a to i ten, kdo ji z\u00edskat nem\u011bl. Spousta lid\u00ed, kte\u0159\u00ed hypot\u00e9ku dostali nemohla spl\u00e1cet, proto\u017ee zkr\u00e1tka nem\u011bli dostatek financ\u00ed na hrazen\u00ed sv\u00e9ho dluhu. Pr\u00e1v\u011b proto v sou\u010dasn\u00e9 dob\u011b do\u0161lo k ochlazen\u00ed realitn\u00edho trhu, proto\u017ee hypot\u00e9ku z\u00edsk\u00e1 skute\u010dn\u011b jen men\u0161\u00ed \u010d\u00e1st \u017eadatel\u016f. Obecn\u011b se d\u00e1 \u0159\u00edct, \u017ee je pot\u0159eba splnit n\u00e1sleduj\u00edc\u00ed: mus\u00edte m\u00edt nemovitost k rekonstrukci, naspo\u0159en\u00fdch 10 a\u017e 20 % z celkov\u00e9 hodnoty hypot\u00e9ky anebo mus\u00edte m\u00edt stavebn\u00ed pozemek na kter\u00e9m budete stav\u011bt. Stoprocentn\u00ed hypot\u00e9ky u\u017e se toti\u017e ned\u00e1vaj\u00ed, tak\u017ee pokud nem\u00e1te n\u011bkoho, kdo v\u00e1m bude za hypot\u00e9ku ru\u010d\u00ed svou nemovitost\u00ed, budete muset splnit n\u011bkterou z t\u011bchto 3 podm\u00ednek. Kdo n\u011bco nez\u00edskal darem nebo nem\u00e1 velmi vysok\u00e9 p\u0159\u00edjmy, bude to m\u00edt se z\u00edsk\u00e1n\u00edm hypot\u00e9ky t\u011b\u017e\u0161\u00ed. Samoz\u0159ejmost\u00ed je, \u017ee nesm\u00edte m\u00edt dluhy anebo z\u00e1znam v registru dlu\u017en\u00edk\u016f. V takov\u00e9m p\u0159\u00edpad\u011b si o hypot\u00e9ku v bance ani \u017e\u00e1dat nemus\u00edte, proto\u017ee v\u00e1m ji banka automaticky zam\u00edtne. Banky nezaj\u00edm\u00e1, pro\u010d se \u010dlov\u011bk v registru dlu\u017en\u00edk\u016f ocitl, i kdy\u017e ne v\u017edy k tomu dojde vinou dan\u00e9ho \u010dlov\u011bka. Potom m\u016f\u017eete po\u017e\u00e1dat o hypot\u00e9ku nebankovn\u00ed spole\u010dnosti. Nebankovn\u00ed hypot\u00e9ka m\u016f\u017ee b\u00fdt \u0159e\u0161en\u00edm pro v\u0161echny, kte\u0159\u00ed maj\u00ed z\u00e1znam v registru anebo necht\u011bj\u00ed prokazovat p\u016fvod sv\u00fdch p\u0159\u00edjm\u016f. Nebankovn\u00ed spole\u010dnosti toto zpravila ne\u0159e\u0161\u00ed, ale zato budete muset po\u010d\u00edtat s vy\u0161\u0161\u00edmi \u00faroky. Tak jako banky, i nebankovn\u00ed spole\u010dnosti budou cht\u00edt z\u00e1stavn\u00ed pr\u00e1vo k va\u0161\u00ed nemovitosti, aby si t\u00edm zajistily svou pohled\u00e1vku. Pokud jste s t\u00edm srozum\u011bni a budete r\u00e1di, kdy\u017e hypot\u00e9ku z\u00edsk\u00e1te i za cenu vy\u0161\u0161\u00edho \u00faroku, najd\u011bte si nebankovn\u00ed spole\u010dnost s dobr\u00fdmi recenzemi a podejte si \u017e\u00e1dost, je to jednoduch\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.dosla.cz\/jak-ziskat-hypoteku\/#breadcrumbitem"}]}]