[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteka-bez-zastavy-nemovitosti-jde-to\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteka-bez-zastavy-nemovitosti-jde-to\/","headline":"Hypot\u00e9ka bez z\u00e1stavy nemovitosti? Jde to!","name":"Hypot\u00e9ka bez z\u00e1stavy nemovitosti? Jde to!","description":"·         D\u016fvod\u016f, pro\u010d lid\u00e9 nemohou ru\u010dit za hypot\u00e9ku vlastn\u00edm domem \u010di bytem, je mnoho. N\u011bkomu se ta my\u0161lenka jednodu\u0161e nel\u00edb\u00ed, dal\u0161\u00ed je\u0161t\u011b nem\u00e1 nemovitost zapsanou v katastru \u010di s n\u00ed ru\u010dit nem\u016f\u017ee. Pro v\u0161echny tyto probl\u00e9my ale existuje \u0159e\u0161en\u00ed. Prvn\u00edm \u0159e\u0161en\u00edm je \u00fa\u010delov\u00e1 p\u016fj\u010dka na bydlen\u00ed. Na trhu jich je spousta a lze si p\u016fj\u010dit i milion …

Hypot\u00e9ka bez z\u00e1stavy nemovitosti? Jde to!<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-09-09","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_a300076_w1990_t1510211759.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a300076_w1990_t1510211759.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/hypoteka-bez-zastavy-nemovitosti-jde-to\/","about":["Hypot\u00e9ky"],"wordCount":728,"articleBody":"\t·         D\u016fvod\u016f, pro\u010d lid\u00e9 nemohou ru\u010dit za hypot\u00e9ku vlastn\u00edm domem \u010di bytem, je mnoho. N\u011bkomu se ta my\u0161lenka jednodu\u0161e nel\u00edb\u00ed, dal\u0161\u00ed je\u0161t\u011b nem\u00e1 nemovitost zapsanou v katastru \u010di s n\u00ed ru\u010dit nem\u016f\u017ee. Pro v\u0161echny tyto probl\u00e9my ale existuje \u0159e\u0161en\u00ed.\t\tPrvn\u00edm \u0159e\u0161en\u00edm je \u00fa\u010delov\u00e1 p\u016fj\u010dka na bydlen\u00ed. Na trhu jich je spousta a lze si p\u016fj\u010dit i milion korun. P\u016fj\u010dka na bydlen\u00ed je tak skv\u011bl\u00e1 nejen pro koupi men\u0161\u00edch byt\u016f, ale nap\u0159\u00edklad i pro situace, kdy na klasickou hypot\u00e9ku je\u0161t\u011b nedos\u00e1hnete. Typick\u00fdm p\u0159\u00edkladem pou\u017eit\u00ed p\u016fj\u010dky na bydlen\u00ed tak m\u016f\u017ee b\u00fdt t\u0159eba koup\u011b garsonky nebo chaty, ale tak\u00e9 platba za projektovou dokumentaci \u010di stavbu z\u00e1klad\u016f. Je nutn\u00e9 se p\u0159ipravit na to, \u017ee ro\u010dn\u00ed \u00fav\u011brov\u00e9 sazby jsou u t\u011bchto p\u016fj\u010dek vy\u0161\u0161\u00ed ne\u017e u hypot\u00e9k, na druhou stranu k jejich vy\u0159\u00edzen\u00ed je obvykle pot\u0159eba jen zaj\u00edt na pobo\u010dku a p\u0159edlo\u017eit potvrzen\u00ed o p\u0159\u00edjmu. Krom\u011b toho, p\u016fj\u010dka se d\u00e1 vyu\u017e\u00edt i na vnit\u0159n\u00ed vybaven\u00ed.\t \t·         Pokud m\u00e1te stavebn\u00ed spo\u0159en\u00ed, jste z poloviny za vodou. Banky nab\u00edzej\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed \u010di p\u0159eklenovac\u00ed \u00fav\u011br. Nicm\u00e9n\u011b, tento druh p\u016fj\u010dky samoz\u0159ejm\u011b p\u0159edpokl\u00e1d\u00e1, \u017ee prvn\u011b naspo\u0159\u00edte ur\u010dit\u00e9 procento c\u00edlov\u00e9 \u010d\u00e1stky, dos\u00e1hnete hodnot\u00edc\u00edho \u010d\u00edsla a tak\u00e9 si po\u010dk\u00e1te z\u00e1konn\u00e9 dva roky. Jedn\u00e1 se proto sp\u00ed\u0161e o \u0159e\u0161en\u00ed pro ty, kte\u0159\u00ed se pl\u00e1nuj\u00ed \u010dasem st\u011bhovat do v\u011bt\u0161\u00edho bytu, \u010di si n\u011bkdy v budoucnu postavit domek. Pokud pot\u0159ebujete pen\u00edze rychle, \u0159e\u0161en\u00edm je p\u0159eklenovac\u00ed \u00fav\u011br, o kter\u00fd se d\u00e1 po\u017e\u00e1dat hned po uzav\u0159en\u00ed smlouvy o spo\u0159en\u00ed. V\u00fdhodou tohoto \u00fav\u011bru je nulov\u00e1 akontace, a tak\u00e9 garance \u00farokov\u00e9 sazby. Z p\u0159eklenovac\u00edho \u00fav\u011bru se d\u00e1 tak\u00e9 vyz\u00edskat v\u00edce pen\u011bz ne\u017e z b\u011b\u017en\u00e9ho \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed.\t \t·         Pokud stav\u00edte d\u016fm, mohl by pro v\u00e1s b\u00fdt zaj\u00edmav\u00fd i p\u0159edhypote\u010dn\u00ed \u00fav\u011br. Ten se uzav\u00edr\u00e1 z\u00e1rove\u0148 se standartn\u00ed hypot\u00e9kou, a je ur\u010den\u00fd pro dobu, dokud v\u011b\u0159itel nem\u016f\u017ee ru\u010dit svou nemovitost\u00ed. Typick\u00fdm p\u0159\u00edjemcem p\u0159edhypote\u010dn\u00edho \u00fav\u011bru jsou tak nap\u0159\u00edklad ti, kte\u0159\u00ed si stav\u00ed d\u016fm, a pen\u00edze pot\u0159ebuj\u00ed je\u0161t\u011b p\u0159ed zaps\u00e1n\u00edm domu do katastru nemovitost\u00ed. P\u0159edhypote\u010dn\u00ed \u00fav\u011br se obvykle uzav\u00edr\u00e1 na rok \u010di dva, a dlu\u017en\u00edk po tuto dobu spl\u00e1c\u00ed pouze \u00farok, ale ne jistinu. Jakmile je mo\u017en\u00e9 nemovitost\u00ed ru\u010dit, p\u0159edhypote\u010dn\u00ed \u00fav\u011br automaticky p\u0159ech\u00e1z\u00ed v hypote\u010dn\u00ed \u00fav\u011br, a dlu\u017en\u00edk za\u010d\u00edn\u00e1 spl\u00e1cet jak \u00farok, tak jistinu. Tento typ \u00fav\u011bru je tedy ide\u00e1ln\u00ed pro ty, kte\u0159\u00ed v\u011bd\u00ed, \u017ee v budoucnu budou cht\u00edt nemovitost\u00ed ru\u010dit, ale br\u00e1n\u00ed jim v tom nap\u0159\u00edklad pr\u00e1v\u011b chyb\u011bj\u00edc\u00ed z\u00e1pis v katastru nemovitost\u00ed. Na rozd\u00edl od p\u016fj\u010dky na bydlen\u00ed se d\u00e1 p\u0159edhypote\u010dn\u00ed \u00fav\u011br sjednat i pro celou hodnotu nemovitosti, tak\u017ee je ide\u00e1ln\u00ed tam, kde je pot\u0159eba v\u00edce pen\u011bz najednou. Na druhou stranu se zavazujete k \u010derp\u00e1n\u00ed hypot\u00e9ky od dan\u00e9 banky, tak\u017ee se vyplat\u00ed dob\u0159e zv\u00e1\u017eit, u kter\u00e9 banky si p\u0159edhypote\u010dn\u00ed \u00fav\u011br sjedn\u00e1v\u00e1te.\t \tKrom\u011b v\u00fd\u0161e uveden\u00fdch je tak\u00e9 samoz\u0159ejm\u011b mo\u017en\u00e9 si sjednat \u00fav\u011br u nebankovn\u00ed spole\u010dnosti, kter\u00e1 ru\u010den\u00ed nemovitost\u00ed nepo\u017eaduje. V tomto p\u0159\u00edpad\u011b si ale d\u00e1vejte velk\u00fd pozor na podm\u00ednky hypot\u00e9ky, zejm\u00e9na na podm\u00ednky odstoupen\u00ed od smlouvy a sankce za pozdn\u00ed platby. Uchr\u00e1n\u00edte se tak od podvodn\u00edk\u016f a n\u00e1sledn\u00fdch probl\u00e9m\u016f.  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka bez z\u00e1stavy nemovitosti? Jde to!","item":"https:\/\/www.zerba.cz\/hypoteka-bez-zastavy-nemovitosti-jde-to\/#breadcrumbitem"}]}]