[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moreel.cz\/jak-narocne-je-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.moreel.cz\/jak-narocne-je-ziskat-hypoteku\/","headline":"Jak n\u00e1ro\u010dn\u00e9 je z\u00edskat hypot\u00e9ku?","name":"Jak n\u00e1ro\u010dn\u00e9 je z\u00edskat hypot\u00e9ku?","description":"V sou\u010dasnosti pat\u0159\u00ed hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty v\u016fbec, objem nov\u00fdch hypot\u00e9k vzrostl jen za minul\u00fd rok skoro 0 35%. M\u016f\u017ee za to neust\u00e1le se zvy\u0161uj\u00edc\u00ed ceny nemovitost\u00ed, ale i samotn\u00e1 v\u00fd\u0161e \u00farokov\u00e9 sazby. I letos se po\u010d\u00edt\u00e1 s nav\u00fd\u0161en\u00edm celkov\u00e9ho objemu hypot\u00e9k, nebo\u0165 do\u0161lo k v\u00fdrazn\u00e9mu n\u00e1r\u016fstu inflace. I p\u0159esto jakoby […]","datePublished":"2022-01-09","dateModified":"2022-01-09","author":{"@type":"Person","@id":"https:\/\/www.moreel.cz\/author\/#Person","name":"","url":"https:\/\/www.moreel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moreel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.moreel.cz\/wp-content\/uploads\/coins-g9a641eeab_640.jpg","url":"https:\/\/www.moreel.cz\/wp-content\/uploads\/coins-g9a641eeab_640.jpg","height":0,"width":0},"url":"https:\/\/www.moreel.cz\/jak-narocne-je-ziskat-hypoteku\/","about":["Finance"],"wordCount":398,"articleBody":"   V sou\u010dasnosti pat\u0159\u00ed hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty v\u016fbec, objem nov\u00fdch hypot\u00e9k vzrostl jen za minul\u00fd rok skoro 0 35%. M\u016f\u017ee za to neust\u00e1le se zvy\u0161uj\u00edc\u00ed ceny nemovitost\u00ed, ale i samotn\u00e1 v\u00fd\u0161e \u00farokov\u00e9 sazby. I letos se po\u010d\u00edt\u00e1 s nav\u00fd\u0161en\u00edm celkov\u00e9ho objemu hypot\u00e9k, nebo\u0165 do\u0161lo k v\u00fdrazn\u00e9mu n\u00e1r\u016fstu inflace. I p\u0159esto jakoby obl\u00edbenost t\u011bchto v\u011bru neklesala, pro\u010d tomu tak je? Jako \u017eadatel\u00e9 o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt mus\u00edte splnit hned n\u011bkolik p\u0159edpoklad\u016f, asi nejd\u016fle\u017eit\u011bj\u0161\u00ed je bonita \u017eadatele. Tu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, mezi kter\u00fdmi je nap\u0159\u00edklad v\u011bk \u017eadatele, m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, dal\u0161\u00ed pohled\u00e1vky nebo z\u00e1znamy v registrech. Pokud je bonita \u017eadatele p\u0159\u00edli\u0161 n\u00edzk\u00e1, odch\u00e1z\u00ed pov\u011bt\u0161inou z banky s nepo\u0159\u00edzenou. Na druhou stranu je to ale pochopiteln\u00e9. Hypot\u00e9ku mimo jin\u00e9 ovliv\u0148uje i v\u00fd\u0161e p\u0159\u00edjm\u016f. Pokud \u017eadatel nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, \u010di je jejich v\u00fd\u0161e nedostate\u010dn\u00e1, \u010dek\u00e1 ho nejsp\u00ed\u0161 stejn\u011b smutn\u00fd osud. Hypot\u00e9ka p\u0159edstavuje z\u00e1vazek i na n\u011bkolik des\u00edtek let a je zapot\u0159eb\u00ed, aby m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky neovlivnili \u017eivotn\u00ed standard \u017eadatele a\u017e p\u0159esp\u0159\u00edli\u0161. I nad\u00e1le mus\u00ed v jeho rozpo\u010dtu z\u016fstat dostatek finan\u010dn\u00edch prost\u0159edk\u016f k zaji\u0161t\u011bn\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb a spl\u00e1cen\u00ed dal\u0161\u00edch z\u00e1vazk\u016f. Obecn\u00e9 pravidlo doporu\u010duje, aby m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky nep\u0159es\u00e1hly 50% p\u0159\u00edjm\u016f \u017eadatele nebo spolu\u017eadatel\u016f. Kdy\u017e banka \u00fav\u011br zam\u00edtne?Samoz\u0159ejm\u011b i s touto skute\u010dnost\u00ed je zapot\u0159eb\u00ed pracovat. Se zp\u0159\u00eds\u0148uj\u00edc\u00edmi podm\u00ednkami ze strany bank i \u010cesk\u00e9 n\u00e1rodn\u00ed banky samoz\u0159ejm\u011b p\u0159ib\u00fdv\u00e1 i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Toho vyu\u017e\u00edvaj\u00ed mimo jin\u00e9 i nebankovn\u00ed spole\u010dnosti, ty se striktn\u011b na\u0159\u00edzen\u00edm \u010cNB \u0159\u00eddit nemus\u00ed a proto nab\u00edz\u00ed v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Jeden p\u0159\u00edklad za v\u0161echny p\u0159edstavuje hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu fahd.cz. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u017eadatel o n\u00ed m\u016f\u017ee \u017e\u00e1dat, ani\u017e by musel dokazovat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak n\u00e1ro\u010dn\u00e9 je z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.moreel.cz\/jak-narocne-je-ziskat-hypoteku\/#breadcrumbitem"}]}]