[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteka-na-stavbu-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteka-na-stavbu-nemovitosti\/","headline":"Hypot\u00e9ka na stavbu nemovitosti","name":"Hypot\u00e9ka na stavbu nemovitosti","description":"Stav\u00edte-li n\u011bjakou nemovitost, je t\u0159eba si p\u0159ipravit na to, co je pot\u0159eba p\u0159i \u017e\u00e1dosti o hypot\u00e9ku. P\u0159i stavb\u011b je \u017e\u00e1dost o hypot\u00e9ku o n\u011bco n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e kdy\u017e nap\u0159\u00edklad kupujete ji\u017e postaven\u00fd d\u016fm. Jestli\u017ee si d\u00e1v\u00e1te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br, neobejde se to bez prov\u011b\u0159ov\u00e1n\u00ed toho, jak jste schopn\u00ed spl\u00e1cet odhadnutou cenu nemovitosti. Rovn\u011b\u017e je pot\u0159eba &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/hypoteka-na-stavbu-nemovitosti\/\"> <span class=\"screen-reader-text\">Hypot\u00e9ka na stavbu nemovitosti<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-07","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_a296184_w1997_t1507379178.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a296184_w1997_t1507379178.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/hypoteka-na-stavbu-nemovitosti\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":859,"articleBody":"\tStav\u00edte-li n\u011bjakou nemovitost, je t\u0159eba si p\u0159ipravit na to, co je pot\u0159eba p\u0159i \u017e\u00e1dosti o hypot\u00e9ku. P\u0159i stavb\u011b je \u017e\u00e1dost o hypot\u00e9ku o n\u011bco n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e kdy\u017e nap\u0159\u00edklad kupujete ji\u017e postaven\u00fd d\u016fm. Jestli\u017ee si d\u00e1v\u00e1te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br, neobejde se to bez prov\u011b\u0159ov\u00e1n\u00ed toho, jak jste schopn\u00ed spl\u00e1cet odhadnutou cenu nemovitosti. Rovn\u011b\u017e je pot\u0159eba dolo\u017eit n\u011bkolik formul\u00e1\u0159\u016f o nemovitosti samotn\u00e9. Ka\u017ed\u00e1 hypot\u00e9ka mus\u00ed b\u00fdt tak\u00e9 ji\u0161t\u011bn\u00e1 z\u00e1stavn\u00edm pr\u00e1vem pro p\u0159\u00edpad, \u017ee byste m\u011bli probl\u00e9my se spl\u00e1cen\u00edm.\t\tSamotn\u00fd pr\u016fb\u011bh schvalov\u00e1n\u00ed a p\u0159id\u011blov\u00e1n\u00ed hypot\u00e9ky se potom li\u0161\u00ed podle toho, zda ji\u017e vlastn\u00edte parcelu, na kter\u00e9 chcete stav\u011bt, anebo ji chcete teprve kupovat. &nbsp;V prvn\u00edm p\u0159\u00edpad\u011b je p\u0159id\u011blov\u00e1n\u00ed hypot\u00e9ky na stavbu nemovitosti o n\u011bco jednodu\u0161\u0161\u00ed. Vlastn\u011bn\u00fd pozemek je toti\u017e mo\u017en\u00e9 ihned vyu\u017e\u00edt k ji\u0161t\u011bn\u00ed, bez kter\u00e9ho se poskytovan\u00e1 hypot\u00e9ka neobejde. Jako dal\u0161\u00ed v\u011bc, kterou je pot\u0159eba p\u0159i \u017e\u00e1dosti o hypot\u00e9ku na stavbu nemovitosti p\u0159edlo\u017eit, je dokument, kter\u00fd prokazuje va\u0161e vlastnictv\u00ed pozemku.\t\tTomuto dokumentu se \u0159\u00edk\u00e1 nab\u00fdvac\u00ed titul. Tento dokument m\u016f\u017ee b\u00fdt kup\u0159\u00edkladu kupn\u00ed smlouva, rozhodnut\u00ed o d\u011bdictv\u00ed, nebo darovac\u00ed smlouva. Krom\u011b tohoto nab\u00fdvac\u00edho titulu je t\u0159eba p\u0159edlo\u017eit tak\u00e9 doklad o tom, \u017ee dan\u00fd pozemek je pozemkem stavebn\u00edm. Jako dal\u0161\u00ed dokument pot\u0159ebujete je\u0161t\u011b dolo\u017eit takzvan\u00fd list vlastnictv\u00ed neboli v\u00fdpis z katastru nemovitost\u00ed. Krom\u011b pozemku se v\u0161ak bude banka zaj\u00edmat i o va\u0161i samotnou stavbu. Z toho d\u016fvodu bude banka po\u017eadovat dolo\u017een\u00ed t\u011bchto n\u00e1sleduj\u00edc\u00edch dokument\u016f: projektov\u00e9 a stavebn\u00ed dokumentace, smlouvy se stavebn\u00ed firmou a v neposledn\u00ed \u0159ad\u011b rozpo\u010det a harmonogram prov\u00e1d\u011bn\u00fdch prac\u00ed na stavb\u011b va\u0161\u00ed nemovitosti.\tA nakonec je\u0161t\u011b p\u0159ed samotn\u00fdm \u010derp\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru je t\u0159eba dolo\u017eit stavebn\u00ed povolen\u00ed, nebo alespo\u0148 ohl\u00e1\u0161ku. To ji\u017e z\u00e1le\u017e\u00ed na rozm\u011brech p\u0159ipravovan\u00e9 stavby. Pokud je\u0161t\u011b pozemek nevlastn\u00edte, je mo\u017en\u00e9 \u017e\u00e1dost o hypot\u00e9ku prov\u00e9st dvoj\u00edm zp\u016fsobem. A to, \u017ee si bu\u010fto vezmete jednu hypot\u00e9ku na pozemek a druh\u00fd \u00fav\u011br na v\u00fdstavbu nemovitosti, anebo po\u017e\u00e1d\u00e1te pouze o jednu celou hypot\u00e9ku.\tHypot\u00e9ka na stavbu nemovitostiStav\u00edte-li n\u011bjakou nemovitost, je t\u0159eba si p\u0159ipravit na to, co je pot\u0159eba p\u0159i \u017e\u00e1dosti o hypot\u00e9ku. P\u0159i stavb\u011b je \u017e\u00e1dost o hypot\u00e9ku o n\u011bco n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e kdy\u017e nap\u0159\u00edklad kupujete ji\u017e postaven\u00fd d\u016fm. Jestli\u017ee si d\u00e1v\u00e1te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br, neobejde se to bez prov\u011b\u0159ov\u00e1n\u00ed toho, jak jste schopn\u00ed spl\u00e1cet odhadnutou cenu nemovitosti. Rovn\u011b\u017e je pot\u0159eba dolo\u017eit n\u011bkolik formul\u00e1\u0159\u016f o nemovitosti samotn\u00e9. Ka\u017ed\u00e1 hypot\u00e9ka mus\u00ed b\u00fdt tak\u00e9 ji\u0161t\u011bn\u00e1 z\u00e1stavn\u00edm pr\u00e1vem pro p\u0159\u00edpad, \u017ee byste m\u011bli probl\u00e9my se spl\u00e1cen\u00edm. Samotn\u00fd pr\u016fb\u011bh schvalov\u00e1n\u00ed a p\u0159id\u011blov\u00e1n\u00ed hypot\u00e9ky se potom li\u0161\u00ed podle toho, zda ji\u017e vlastn\u00edte parcelu, na kter\u00e9 chcete stav\u011bt, anebo ji chcete teprve kupovat. &nbsp;V prvn\u00edm p\u0159\u00edpad\u011b je p\u0159id\u011blov\u00e1n\u00ed hypot\u00e9ky na stavbu nemovitosti o n\u011bco jednodu\u0161\u0161\u00ed.Vlastn\u011bn\u00fd pozemek je toti\u017e mo\u017en\u00e9 ihned vyu\u017e\u00edt k ji\u0161t\u011bn\u00ed, bez kter\u00e9ho se poskytovan\u00e1 hypot\u00e9ka neobejde. Jako dal\u0161\u00ed v\u011bc, kterou je pot\u0159eba p\u0159i \u017e\u00e1dosti o hypot\u00e9ku na stavbu nemovitosti p\u0159edlo\u017eit, je dokument, kter\u00fd prokazuje va\u0161e vlastnictv\u00ed pozemku. Tomuto dokumentu se \u0159\u00edk\u00e1 nab\u00fdvac\u00ed titul. Tento dokument m\u016f\u017ee b\u00fdt kup\u0159\u00edkladu kupn\u00ed smlouva, rozhodnut\u00ed o d\u011bdictv\u00ed, nebo darovac\u00ed smlouva. Krom\u011b tohoto nab\u00fdvac\u00edho titulu je t\u0159eba p\u0159edlo\u017eit tak\u00e9 doklad o tom, \u017ee dan\u00fd pozemek je pozemkem stavebn\u00edm. Jako dal\u0161\u00ed dokument pot\u0159ebujete je\u0161t\u011b dolo\u017eit takzvan\u00fd list vlastnictv\u00ed neboli v\u00fdpis z katastru nemovitost\u00ed. Krom\u011b pozemku se v\u0161ak bude banka zaj\u00edmat i o va\u0161i samotnou stavbu. Z toho d\u016fvodu bude banka po\u017eadovat dolo\u017een\u00ed t\u011bchto n\u00e1sleduj\u00edc\u00edch dokument\u016f: projektov\u00e9 a stavebn\u00ed dokumentace, smlouvy se stavebn\u00ed firmou a v neposledn\u00ed \u0159ad\u011b rozpo\u010det a harmonogram prov\u00e1d\u011bn\u00fdch prac\u00ed na stavb\u011b va\u0161\u00ed nemovitosti. A nakonec je\u0161t\u011b p\u0159ed samotn\u00fdm \u010derp\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru je t\u0159eba dolo\u017eit stavebn\u00ed povolen\u00ed, nebo alespo\u0148 ohl\u00e1\u0161ku. To ji\u017e z\u00e1le\u017e\u00ed na rozm\u011brech p\u0159ipravovan\u00e9 stavby. Pokud je\u0161t\u011b pozemek nevlastn\u00edte, je mo\u017en\u00e9 \u017e\u00e1dost o hypot\u00e9ku prov\u00e9st dvoj\u00edm zp\u016fsobem. A to, \u017ee si bu\u010fto vezmete jednu hypot\u00e9ku na pozemek a druh\u00fd \u00fav\u011br na v\u00fdstavbu nemovitosti, anebo po\u017e\u00e1d\u00e1te pouze o jednu celou hypot\u00e9ku.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na stavbu nemovitosti","item":"https:\/\/www.zerba.cz\/hypoteka-na-stavbu-nemovitosti\/#breadcrumbitem"}]}]