[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/doziti-na-doraz\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/doziti-na-doraz\/","headline":"Do\u017eit\u00ed na doraz","name":"Do\u017eit\u00ed na doraz","description":"\u010clov\u011bk v\u011bt\u0161inou \u017eije nebo se alespo\u0148 sna\u017e\u00ed \u017e\u00edt tak, aby vysta\u010dil se sv\u00fdmi p\u0159\u00edjmy a po jeho smrti, je\u017e jednoho dne mus\u00ed nevyhnuteln\u011b p\u0159ij\u00edt, tu po n\u011bm n\u011bco z\u016fstalo pro jeho d\u011bdice. Ov\u0161em co kdy\u017e se ani jedno z toho pr\u00e1v\u011b zm\u00edn\u011bn\u00e9ho nevypln\u00ed? Tedy co kdy\u017e m\u00e1 \u010dlov\u011bk tu v\u011bt\u0161\u00ed a tu men\u0161\u00ed existen\u010dn\u00ed pot\u00ed\u017ee &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/doziti-na-doraz\/\"> <span class=\"screen-reader-text\">Do\u017eit\u00ed na doraz<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-11-10","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}},"url":"https:\/\/www.zerba.cz\/doziti-na-doraz\/","about":["Finance"],"wordCount":432,"articleBody":"\u010clov\u011bk v\u011bt\u0161inou \u017eije nebo se alespo\u0148 sna\u017e\u00ed \u017e\u00edt tak, aby vysta\u010dil se sv\u00fdmi p\u0159\u00edjmy a po jeho smrti, je\u017e jednoho dne mus\u00ed nevyhnuteln\u011b p\u0159ij\u00edt, tu po n\u011bm n\u011bco z\u016fstalo pro jeho d\u011bdice.Ov\u0161em co kdy\u017e se ani jedno z toho pr\u00e1v\u011b zm\u00edn\u011bn\u00e9ho nevypln\u00ed? Tedy co kdy\u017e m\u00e1 \u010dlov\u011bk tu v\u011bt\u0161\u00ed a tu men\u0161\u00ed existen\u010dn\u00ed pot\u00ed\u017ee a z\u00e1rove\u0148 nem\u00e1 nikoho, komu by na zemi zanechal sv\u00e9 pozemsk\u00e9 statky? V takov\u00e9m p\u0159\u00edpad\u011b se m\u016f\u017ee n\u011bkdo podobn\u00fd rozhodnout i pro takzvanou zp\u011btnou hypot\u00e9ku. Nebo dejme tomu hypot\u00e9ku na do\u017eit\u00ed.Takov\u00e1to p\u016fj\u010dka m\u016f\u017ee b\u00fdt v podstat\u011b ide\u00e1ln\u00edm \u0159e\u0161en\u00edm pro n\u011bkoho, kdo u\u017e na sv\u011bt\u011b nikoho nem\u00e1 a r\u00e1d by tak zu\u017eitkoval jm\u011bn\u00ed, kter\u00e9 vlastn\u00ed, ani\u017e by riskoval existen\u010dn\u00ed nejistotu nebo skute\u010dnost, \u017ee jeho nahromad\u011bn\u00fd majetek propadne nakonec st\u00e1tu.Takov\u00fd \u010dlov\u011bk si tu m\u016f\u017ee vz\u00edt jeho nemovitost\u00ed zaji\u0161t\u011bn\u00fd \u00fav\u011br, kter\u00fd nebude muset nikdy spl\u00e1cet. A to proto, \u017ee se tento splat\u00ed a\u017e po jeho smrti pr\u00e1v\u011b v podob\u011b zm\u00edn\u011bn\u00e9 zastaven\u00e9 nemovitosti.Minim\u00e1ln\u011b \u0161edes\u00e1tilet\u00fd sv\u00e9pr\u00e1vn\u00fd \u017eadatel, respektive skupina v\u00edce ne\u017e jednoho \u017eadatele, v n\u00ed\u017e dos\u00e1hl zm\u00edn\u011bn\u00e9 v\u011bkov\u00e9 hranice i ten nejmlad\u0161\u00ed, m\u016f\u017ee d\u00e1t do z\u00e1stavy vlastn\u00ed udr\u017eovanou nemovitost stabiln\u00ed hodnoty, v n\u00ed\u017e bydl\u00ed a na n\u00ed\u017e nevis\u00ed \u017e\u00e1dn\u00e1 exekuce, pokud tedy tato nem\u00e1 b\u00fdt z\u00edskan\u00fdm \u00fav\u011brem vyplacena, a na opl\u00e1tku z\u00edsk\u00e1 \u00fav\u011br, umo\u017e\u0148uj\u00edc\u00ed d\u016fstojn\u011bj\u0161\u00ed do\u017eit\u00ed.Co\u017e vypad\u00e1 pochopiteln\u011b docela zaj\u00edmav\u011b. Proto\u017ee kdyby doty\u010dn\u00fd majitel svou st\u0159echu nad hlavou prodal, kam by \u0161el? A kdyby tuto vlastnil a\u017e do \u00fapln\u00e9ho konce, nic by z n\u00ed nem\u011bl a v\u0161e by shr\u00e1bnul tat\u00ed\u010dek st\u00e1t. Zat\u00edmco takto \u017eije jako ve sv\u00e9m a\u017e do konce sv\u00fdch dn\u00ed a z\u00edsk\u00e1 i n\u011bjak\u00e9 ty pen\u00edze na p\u0159ilep\u0161enou.Ov\u0161em ka\u017edop\u00e1dn\u011b by m\u011bl takov\u00fd krok u\u010dinit jenom ten, kdo m\u00e1 v\u00e1\u017en\u00e9 probl\u00e9my a nebude m\u00edt komu cokoliv odk\u00e1zat. Proto\u017ee po smrti propadne nemovitost poskytovateli tohoto \u00fav\u011bru. Kter\u00fd si na tom \u2013 a to si nezast\u00edrejme \u2013 po\u0159\u00e1dn\u011b namast\u00ed kapsu. Proto\u017ee ten, kdo si tento \u00fav\u011br vezme, dostane jen malou \u010d\u00e1st hodnoty sv\u00e9 nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Do\u017eit\u00ed na doraz","item":"https:\/\/www.zerba.cz\/doziti-na-doraz\/#breadcrumbitem"}]}]