[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-totalni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-totalni-hypoteka\/","headline":"Co je to TOT\u00c1LN\u00cd HYPOT\u00c9KA?","name":"Co je to TOT\u00c1LN\u00cd HYPOT\u00c9KA?","description":"Pro\u010d je tento finan\u010dn\u00ed produkt zaj\u00edmav\u00fd a pro koho se hod\u00ed? Jednak proto, \u017ee v moment\u011b, kdy najdete vhodnou nemovitost pr\u00e1v\u011b pro v\u00e1s, m\u016f\u017eete \u010delit tomu, \u017ee v\u00e1s realitn\u00ed makl\u00e9\u0159 \u010di v\u00e1\u0161 finan\u010dn\u00ed poradce bude tla\u010dit do hypot\u00e9ky pr\u00e1v\u011b u sv\u00e9 smluvn\u00ed banky, bez ohledu na to, zda je to pro v\u00e1s v\u00fdhodn\u00e9. Za druh\u00e9 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-totalni-hypoteka\/\"> <span class=\"screen-reader-text\">Co je to TOT\u00c1LN\u00cd HYPOT\u00c9KA?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-13","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316499_w1998_t1527448500.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316499_w1998_t1527448500.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/co-je-to-totalni-hypoteka\/","about":["Hypot\u00e9ky"],"wordCount":430,"articleBody":"Pro\u010d je tento finan\u010dn\u00ed produkt zaj\u00edmav\u00fd a pro koho se hod\u00ed?\tJednak proto, \u017ee v moment\u011b, kdy najdete vhodnou nemovitost pr\u00e1v\u011b pro v\u00e1s, m\u016f\u017eete \u010delit tomu, \u017ee v\u00e1s realitn\u00ed makl\u00e9\u0159 \u010di v\u00e1\u0161 finan\u010dn\u00ed poradce bude tla\u010dit do hypot\u00e9ky pr\u00e1v\u011b u sv\u00e9 smluvn\u00ed banky, bez ohledu na to, zda je to pro v\u00e1s v\u00fdhodn\u00e9. Za druh\u00e9 proto, \u017ee budete mnohem flexibiln\u011bj\u0161\u00ed a rychlej\u0161\u00ed v koupi.\t\tM\u00e1 tot\u00e1ln\u00ed hypot\u00e9ka v\u00fdhoda?\tNa trhu s realitami popt\u00e1vky vysoko p\u0159ev\u00e1\u017e\u00ed nab\u00eddku, tak\u017ee \u010dlov\u011bk n\u011bkdy nestihne vybranou nemovitost po\u0159\u00eddit \u010dist\u011b z toho d\u016fvodu, \u017ee ho prost\u011b p\u0159edb\u011bhne n\u011bkdo, kdo m\u00e1 pen\u00edze od sv\u00e9 banky rychleji p\u0159iklepnut\u00e9. Tedy pokud m\u00e1te tot\u00e1ln\u00ed hypot\u00e9ku, m\u016f\u017eete pen\u00edze ihned pou\u017e\u00edt a prodejce i s v\u00e1mi bude jednat jinak ne\u017e v moment\u011b, kdy teprve budete hypot\u00e9ku vy\u0159izovat a vlastn\u011b nen\u00ed jist\u00e9, zda v\u00e1m ji v\u016fbec vybran\u00e1 banka schv\u00e1l\u00ed.\tAtraktivitu tohoto \u00fav\u011bru tak\u00e9 zvy\u0161uje tak\u00e9 cena, proto\u017ee tento typ hypot\u00e9ky m\u00e1 garantovanou sazbu.\t\tExistuj\u00ed nev\u00fdhody?\tTak mezi nev\u00fdhody samoz\u0159ejm\u011b m\u016f\u017ee pat\u0159it to, \u017ee p\u0159i sjedn\u00e1v\u00e1n\u00ed tot\u00e1ln\u00ed hypot\u00e9ky m\u00e1te lh\u016ftu pro zah\u00e1jen\u00ed \u010derp\u00e1n\u00ed \u00fav\u011bru. Tak\u017ee je pot\u0159eba jednat na druhou stranu pom\u011brn\u011b rychle, respektive hl\u00eddat si term\u00edny a podm\u00ednky \u00fa\u010delu.\tJedn\u00e1 se o v\u00fdjime\u010dn\u00fd produkt?\tTot\u00e1ln\u00ed hypot\u00e9ka je na trhu v\u00fdjime\u010dn\u00fdm produktem, proto jste mo\u017en\u00e1 je\u0161t\u011b o t\u00e9to mo\u017enosti financov\u00e1n\u00ed nesly\u0161eli. Banky ho nenab\u00edz\u00ed z toho d\u016fvodu, \u017ee maj\u00ed strach, \u017ee ho klienti nakonec nebudou \u010derpat a budou n\u00e1sledovat sankce a pot\u00e9 je\u0161t\u011b po\u017eadavky klient\u016f na p\u0159ed-schv\u00e1len\u00ed \u00fav\u011bru, kde se bude m\u011bnit \u00farokov\u00e1 sazba a v\u0161echny ostatn\u00ed parametry. Prost\u011b se klienti nakonec rozhodnou pro klasickou hypot\u00e9ku, proto\u017ee v tu chv\u00edli pro n\u011b zase bude zaj\u00edmav\u011bj\u0161\u00ed.\tPro koho se tedy nejl\u00e9pe hod\u00ed a kdy m\u00e1 skute\u010dn\u00fd smysl?\tTento produkt se sp\u00ed\u0161e hod\u00ed pro z\u00e1kazn\u00edky, kte\u0159\u00ed v\u011bd\u00ed, \u017ee nemovitost m\u00edt budou a pen\u00edze pot\u0159ebuj\u00ed p\u0159edem m\u00edt. Nap\u0159\u00edklad v moment\u011b, kdy se projekty developer\u016f nach\u00e1zej\u00ed ve v\u00fdstavb\u011b.\tDal\u0161\u00ed mo\u017enost\u00ed, kdy se hod\u00ed tot\u00e1ln\u00ed hypot\u00e9ka je, kdy chcete po\u0159\u00eddit nemovitost koup\u00ed z ve\u0159ejn\u00e9 dra\u017eby.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to TOT\u00c1LN\u00cd HYPOT\u00c9KA?","item":"https:\/\/www.zerba.cz\/co-je-to-totalni-hypoteka\/#breadcrumbitem"}]}]