[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/","headline":"Hypot\u00e9ka nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","name":"Hypot\u00e9ka nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","description":"Stavebn\u00ed spo\u0159en\u00ed jist\u011b v\u0161ichni zn\u00e1me, a to \u010dasto i v&nbsp;p\u0159\u00edpad\u011b, \u017ee v\u00e1m ho rodi\u010de od mali\u010dka nezalo\u017eili. Obvykl\u00fdm p\u0159\u00edpadem toti\u017e i v&nbsp;minulosti b\u00fdvalo, \u017ee se i mal\u00fdm d\u011btem zakl\u00e1dalo stavebn\u00ed spo\u0159en\u00ed a rodi\u010de d\u011btem ka\u017ed\u00fd m\u011bs\u00edc ukl\u00e1dali n\u011bjak\u00e9 pen\u00edzky, takzvan\u011b bokem do kasi\u010dky, aby jim je jednou v&nbsp;dosp\u011blosti mohli p\u0159edat a p\u0159\u00edpadn\u00e9 d\u00edt\u011b, v&nbsp;t\u00e9 dob\u011b &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/\"> <span class=\"screen-reader-text\">Hypot\u00e9ka nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-11","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\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/","about":["Hypot\u00e9ky"],"wordCount":582,"articleBody":"Stavebn\u00ed spo\u0159en\u00ed jist\u011b v\u0161ichni zn\u00e1me, a to \u010dasto i v&nbsp;p\u0159\u00edpad\u011b, \u017ee v\u00e1m ho rodi\u010de od mali\u010dka nezalo\u017eili. Obvykl\u00fdm p\u0159\u00edpadem toti\u017e i v&nbsp;minulosti b\u00fdvalo, \u017ee se i mal\u00fdm d\u011btem zakl\u00e1dalo stavebn\u00ed spo\u0159en\u00ed a rodi\u010de d\u011btem ka\u017ed\u00fd m\u011bs\u00edc ukl\u00e1dali n\u011bjak\u00e9 pen\u00edzky, takzvan\u011b bokem do kasi\u010dky, aby jim je jednou v&nbsp;dosp\u011blosti mohli p\u0159edat a p\u0159\u00edpadn\u00e9 d\u00edt\u011b, v&nbsp;t\u00e9 dob\u011b ji\u017e zletil\u00e1 nap\u0159\u00edklad osmn\u00e1ctilet\u00e1 \u017eena nebo mu\u017e, si mohli v&nbsp;budoucnu zajistit vlastn\u00ed bydlen\u00ed a vz\u00edt si \u00fav\u011br nebo hypot\u00e9ku ze stavebn\u00edho spo\u0159en\u00ed a t\u00edm p\u00e1dem m\u011bli snaz\u0161\u00ed podm\u00ednky.\u010casto si v\u0161ak stavebn\u00ed spo\u0159en\u00ed zakl\u00e1d\u00e1me a\u017e jako dosp\u011bl\u00ed. Zalo\u017eit si jej m\u016f\u017eeme u stavebn\u00ed spo\u0159itelny. Ta nen\u00ed jenom jedna jedin\u00e1, ale v&nbsp;dne\u0161n\u00ed dob\u011b jich na trhu operuje v\u00edce, tak\u017ee i v&nbsp;tomto p\u0159\u00edpad\u011b je z&nbsp;\u010deho vyb\u00edrat, nemus\u00edte se tedy rozhodnout hned pro prvn\u00ed nab\u00eddku.Jakmile si vyberete stavebn\u00ed spo\u0159itelnu a ji\u017e n\u011bjakou dobu si spo\u0159\u00edte a p\u0159em\u00fd\u0161l\u00edte nad bydlen\u00edm, chcete si nap\u0159\u00edklad zrekonstruovat patro u rodi\u010d\u016f, koupit si byt, postavit d\u016fm, opravit byt nebo zrekonstruovat obydl\u00ed, m\u00e1te mo\u017enost vyu\u017e\u00edt hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed.\tJak\u00e9 jsou vlastnosti hypot\u00e9ky a jak\u00e9 \u00fav\u011bru?Co je vhodn\u011bj\u0161\u00ed a lep\u0161\u00ed? Na tuto ot\u00e1zku se nikdy ned\u00e1 konkr\u00e9tn\u011b odpov\u011bd\u011bt. M\u016f\u017eeme si ale \u0159\u00edct, jak\u00e9 jsou vlastnosti jedn\u00e9 verze a jak\u00e9 druh\u00e9, abychom se l\u00e9pe v&nbsp;t\u00e9to problematice orientovali.Hypot\u00e9kaV&nbsp;minulosti se sazby dr\u017eely velice n\u00edzko, a proto se hypot\u00e9ky volily ve v\u011bt\u0161\u00ed m\u00ed\u0159e. V&nbsp;posledn\u00edch letech \u010cNB zvy\u0161uje sazby hypot\u00e9k, a proto lid\u00e9 \u010dasto zva\u017euj\u00ed sp\u00ed\u0161e \u00fav\u011bry. V&nbsp;tomto p\u0159\u00edpad\u011b tak\u00e9 v\u017edy mus\u00edte ru\u010dit nemovitost\u00ed, tak\u017ee je dobr\u00e9 si hypot\u00e9ku p\u0159edem po\u0159\u00e1dn\u011b promyslet, jestli\u017ee byste nemohli ru\u010dit nebo necht\u011bli ru\u010dit nemovitosti, pak pro v\u00e1s hypot\u00e9ka zrovna nebude t\u00edm nejlep\u0161\u00edm \u0159e\u0161en\u00edm. Za posledn\u00ed roky se zm\u011bnily i podm\u00ednky poskytov\u00e1n\u00ed hypot\u00e9k, tak\u017ee nez\u00edsk\u00e1te celou hodnotu nemovitosti, kterou d\u00e1v\u00e1te do z\u00e1stavy. V&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech se m\u016f\u017eeme setkat s&nbsp;del\u0161\u00edm vy\u0159izov\u00e1n\u00edm. Fixace \u00farok\u016f na 3 nebo 5 let. &nbsp;Hypot\u00e9ku si v\u0161ak m\u016f\u017eete sjednat pom\u011brn\u011b brzy, nemus\u00edte dlouhodob\u011b spo\u0159it. M\u016f\u017eete si tak\u00e9 ode\u010d\u00edst \u00faroky hypot\u00e9ky od z\u00e1kladu dan\u011b. T\u00edmto zp\u016fsobem se p\u016fj\u010duj\u00ed vysok\u00e9 \u010d\u00e1stky.\u00dav\u011br Naproti tomu \u00fav\u011br nem\u016f\u017eete uzav\u0159\u00edt ihned, ale mus\u00edte alespo\u0148 2 roky spo\u0159it. Mus\u00edte m\u00edt naspo\u0159enou minim\u00e1ln\u00ed hodnotu c\u00edlov\u00e9 \u010d\u00e1stky, abyste si mohli vz\u00edt \u00fav\u011br, jinak to \u0159e\u0161\u00ed p\u0159eklenovac\u00ed \u00fav\u011br. M\u016f\u017eete jej v\u0161ak pou\u017e\u00edt takt\u00e9\u017e na bydlen\u00ed. P\u016fj\u010duj\u00ed se o n\u011bco men\u0161\u00ed \u010d\u00e1stky ne\u017e v&nbsp;p\u0159\u00edpad\u011b hypot\u00e9ky.Z\u00e1le\u017e\u00ed na zv\u00e1\u017een\u00ed obou variant. V&nbsp;p\u0159\u00edpad\u011b z\u00e1jmu m\u016f\u017eete produkty tak\u00e9 r\u016fzn\u011b kombinovat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","item":"https:\/\/www.zerba.cz\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/#breadcrumbitem"}]}]