[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteka-pro-mlade-rodiny-jak-je-to-s-ni-doopravdy\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteka-pro-mlade-rodiny-jak-je-to-s-ni-doopravdy\/","headline":"Hypot\u00e9ka pro mlad\u00e9 rodiny: jak je to s n\u00ed doopravdy?","name":"Hypot\u00e9ka pro mlad\u00e9 rodiny: jak je to s n\u00ed doopravdy?","description":"V \u010cesk\u00e9 republice maj\u00ed hypote\u010dn\u00ed p\u016fj\u010dky mlad\u00fdm p\u00e1r\u016fm dlouhou tradici. Za minul\u00e9ho re\u017eimu existovala novoman\u017eelsk\u00e1 p\u016fj\u010dka, mezi lety 2004 a 2011 to byla takzvan\u00e1 p\u016fj\u010dka pro mlad\u00e9, a dnes st\u00e1t nab\u00edz\u00ed p\u016fj\u010dku na bydlen\u00ed pro mlad\u00e9 rodiny. Abyste mohli o \u00fav\u011br za\u017e\u00e1dat, mus\u00edte splnit n\u011bkolik podm\u00ednek. ·         p\u016fj\u010dku m\u016f\u017ee za\u017e\u00e1dat pouze p\u00e1r do 36 let, trestn\u011b …

Hypot\u00e9ka pro mlad\u00e9 rodiny: jak je to s n\u00ed doopravdy?<\/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_a300085_w1990_t1510213197.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a300085_w1990_t1510213197.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/hypoteka-pro-mlade-rodiny-jak-je-to-s-ni-doopravdy\/","about":["Hypot\u00e9ky"],"wordCount":652,"articleBody":"\tV \u010cesk\u00e9 republice maj\u00ed hypote\u010dn\u00ed p\u016fj\u010dky mlad\u00fdm p\u00e1r\u016fm dlouhou tradici. Za minul\u00e9ho re\u017eimu existovala novoman\u017eelsk\u00e1 p\u016fj\u010dka, mezi lety 2004 a 2011 to byla takzvan\u00e1 p\u016fj\u010dka pro mlad\u00e9, a dnes st\u00e1t nab\u00edz\u00ed p\u016fj\u010dku na bydlen\u00ed pro mlad\u00e9 rodiny. Abyste mohli o \u00fav\u011br za\u017e\u00e1dat, mus\u00edte splnit n\u011bkolik podm\u00ednek.\t·         p\u016fj\u010dku m\u016f\u017ee za\u017e\u00e1dat pouze p\u00e1r do 36 let, trestn\u011b bez\u00fahonn\u00ed, kter\u00fd z\u00e1rove\u0148 pe\u010duje alespo\u0148 o jedno d\u00edt\u011b mlad\u0161\u00ed 6 let.\t·         Krom\u011b toho plat\u00ed, \u017ee p\u00e1r nesm\u00ed b\u00fdt vlastn\u00edky jin\u00e9 nemovitosti, a nesm\u00ed dokonce ani bydlet v dru\u017estevn\u00edm n\u00e1jmu.\t·         Tak\u00e9 plat\u00ed tot\u00e9\u017e, co pro jin\u00e9 p\u016fj\u010dky, tedy \u017ee v okam\u017eiku \u017e\u00e1dosti nesm\u00ed b\u00fdt v insolvenci, a mus\u00ed m\u00edt pravideln\u00fd p\u0159\u00edjem, co\u017e budete muset dolo\u017eit v okam\u017eiku pod\u00e1n\u00ed \u017e\u00e1dosti o p\u016fj\u010dku.\t \tPokud toto v\u0161e spln\u00edte, poskytne v\u00e1m st\u00e1t p\u016fj\u010dku, kterou m\u016f\u017eete pou\u017e\u00edt na stavbu nebo koupi nov\u00e9ho bydlen\u00ed. I tady plat\u00ed n\u011bkolik podm\u00ednek. Zaprv\u00e9, d\u016fm \u010di byt si rodina mus\u00ed po\u0159izovat s \u00famyslem v n\u011bm skute\u010dn\u011b bydlet. P\u016fj\u010dku tedy nen\u00ed mo\u017en\u00e9 pou\u017e\u00edt nap\u0159\u00edklad pro stavbu v\u00edkendov\u00e9 chaty \u010di pro koupi bytu k dal\u0161\u00edmu pron\u00e1jmu. Krom\u011b toho budete muset dolo\u017eit tak\u00e9 to, \u017ee se v\u00e1\u0161 nov\u00fd domov nach\u00e1z\u00ed mimo z\u00e1plavovou oblast. Posledn\u00ed podm\u00ednkou je, \u017ee v kombinaci s ostatn\u00edmi p\u016fj\u010dkami nesm\u00ed \u00fav\u011br p\u0159es\u00e1hnout 90% hodnoty nemovitosti, tedy \u017ee p\u00e1r mus\u00ed m\u00edt minim\u00e1ln\u011b 10% naspo\u0159eno ze sv\u00e9ho.      \t \tPokud v\u00e1m banka tuto p\u016fj\u010dku skute\u010dn\u011b schv\u00e1l\u00ed, m\u016f\u017eete se t\u011b\u0161it na \u00fav\u011br maxim\u00e1ln\u011b do v\u00fd\u0161e 50% ceny nemovitosti, pop\u0159\u00edpad\u011b 600 tis\u00edc korun, podle toho, co je ni\u017e\u0161\u00ed. \u00dav\u011br je poskytov\u00e1n s fixn\u00ed sazbou 1.46 %, a tato sazba je garantovan\u00e1 minim\u00e1ln\u011b po dobu p\u011bti let. Jakmile \u00fav\u011br z\u00edsk\u00e1te, m\u00e1te dva m\u011bs\u00edce na podeps\u00e1n\u00ed smlouvy, a rok na to, abyste \u00fav\u011br za\u010dali \u010derpat. Krom\u011b toho, do roka od uzav\u0159en\u00ed smlouvy mus\u00edte dok\u00e1zat, \u017ee jste pen\u00edze na koupi vyu\u017eili \u00fa\u010deln\u011b. U stavby \u010di rekonstrukce domu je tato lh\u016fta prodlou\u017eena na t\u0159i roky.\t \t\u00dav\u011br je mo\u017en\u00e9 spl\u00e1cet maxim\u00e1ln\u011b 15 let, ale z toho je mo\u017en\u00e9 \u00fav\u011br a\u017e na 2 roky p\u0159eru\u0161it. Pro p\u0159eru\u0161en\u00ed je ov\u0161em nezbytn\u00e9 m\u00edt opravdu dobr\u00fd d\u016fvod, jako narozen\u00ed, osvojen\u00ed d\u00edt\u011bte \u010di ztr\u00e1ta zam\u011bstn\u00e1n\u00ed. Krom\u011b toho, i v dob\u011b p\u0159eru\u0161en\u00ed spl\u00e1cen\u00ed je nutn\u00e9 st\u00e1le platit \u00faroky. V\u00fdhodou ov\u0161em je, \u017ee v p\u0159\u00edpad\u011b p\u0159ed\u010dasn\u00e9ho splacen\u00ed se neplat\u00ed \u017e\u00e1dn\u00e9 sankce \u010di poplatky.\t \tPro koho se tedy \u00fav\u011br hod\u00ed? Hypot\u00e9ka je vhodn\u00e1 zejm\u00e9na pro rodiny, kter\u00e9 bydl\u00ed v n\u00e1jmu, a cht\u011bj\u00ed nemovitost odkoupit do sv\u00e9ho vlastnictv\u00ed, nebo si cht\u011bj\u00ed postavit nemovitost podle sv\u00fdch p\u0159edstav. Ka\u017edop\u00e1dn\u011b plat\u00ed, \u017ee hypot\u00e9ka je z\u00e1vazek, a hod\u00ed se tedy zejm\u00e9na pro ty, kte\u0159\u00ed v dan\u00e9m dom\u011b \u010di byt\u011b pl\u00e1nuj\u00ed bydlet po del\u0161\u00ed dobu. Naopak pl\u00e1nujete-li, \u017ee se va\u0161e rodina bude do budoucna roz\u0161i\u0159ovat, je lep\u0161\u00ed s \u00fav\u011brem po\u010dkat, a\u017e se budete st\u011bhovat do v\u011bt\u0161\u00edho domu \u010di bytu. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pro mlad\u00e9 rodiny: jak je to s n\u00ed doopravdy?","item":"https:\/\/www.zerba.cz\/hypoteka-pro-mlade-rodiny-jak-je-to-s-ni-doopravdy\/#breadcrumbitem"}]}]