[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/hypoteky-neustale-komplikace-a-stale-tezsi-moznost-je-ziskat\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/hypoteky-neustale-komplikace-a-stale-tezsi-moznost-je-ziskat\/","headline":"Hypot\u00e9ky \u2013 neust\u00e1l\u00e9 komplikace a st\u00e1le t\u011b\u017e\u0161\u00ed mo\u017enost je z\u00edskat","name":"Hypot\u00e9ky \u2013 neust\u00e1l\u00e9 komplikace a st\u00e1le t\u011b\u017e\u0161\u00ed mo\u017enost je z\u00edskat","description":"Zkuste si p\u0159edstavit situaci &ndash; jste mlad\u00fd \u010dlov\u011bk, kter\u00fd pr\u00e1v\u011b dostudoval. Pot\u00fdk\u00e1te se s probl\u00e9mem z\u00edskat pr\u00e1ci, proto\u017ee dnes vy\u017eaduj\u00ed praxi, kterou ale nem\u00e1te z&nbsp;d\u016fvodu, \u017ee v\u00e1s nikdo nechce zam\u011bstnat. Nakonec si pr\u00e1ci najdete. Je na \u010dase \u0159e\u0161it ot\u00e1zku bydlen\u00ed. Co je ale pot\u0159eba v\u011bd\u011bt pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky? 1) Banky budou prov\u011b\u0159ovat va\u0161i bonitu.To je &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/hypoteky-neustale-komplikace-a-stale-tezsi-moznost-je-ziskat\/\"> <span class=\"screen-reader-text\">Hypot\u00e9ky \u2013 neust\u00e1l\u00e9 komplikace a st\u00e1le t\u011b\u017e\u0161\u00ed mo\u017enost je z\u00edskat<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","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_a293028_w2000_t1505402920.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a293028_w2000_t1505402920.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/hypoteky-neustale-komplikace-a-stale-tezsi-moznost-je-ziskat\/","about":["Hypot\u00e9ky"],"wordCount":503,"articleBody":"Zkuste si p\u0159edstavit situaci &ndash; jste mlad\u00fd \u010dlov\u011bk, kter\u00fd pr\u00e1v\u011b dostudoval. Pot\u00fdk\u00e1te se s probl\u00e9mem z\u00edskat pr\u00e1ci, proto\u017ee dnes vy\u017eaduj\u00ed praxi, kterou ale nem\u00e1te z&nbsp;d\u016fvodu, \u017ee v\u00e1s nikdo nechce zam\u011bstnat. Nakonec si pr\u00e1ci najdete. Je na \u010dase \u0159e\u0161it ot\u00e1zku bydlen\u00ed. Co je ale pot\u0159eba v\u011bd\u011bt pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky?1) Banky budou prov\u011b\u0159ovat va\u0161i bonitu.To je samoz\u0159ejmost a nelze to pova\u017eovat za zbyte\u010dn\u00e9. Banka t\u00edm chr\u00e1n\u00ed nejen sebe, ale tak\u00e9 v\u00e1s, abyste byli schopni hypot\u00e9ku spl\u00e1cet a nevzali si na sebe p\u0159\u00edli\u0161 velk\u00e9 sousto.2) Pokud nem\u00e1te \u00fav\u011brovou minulost, pravd\u011bpodobn\u011b \u00fav\u011br nedostanete.D\u00e1vejte si na to pozor, proto\u017ee s&nbsp;t\u00edm banky mohou opravdu p\u0159ij\u00edt. Na z\u00e1klad\u011b va\u0161\u00ed \u00fav\u011brov\u00e9 minulosti je banka schopn\u00e1 prozkoumat, zda jste p\u0159edchoz\u00ed p\u016fj\u010dky \u0159\u00e1dn\u011b a v\u010das spl\u00e1celi, \u010d\u00edm\u017e si o v\u00e1s ud\u011bl\u00e1 obr\u00e1zek.3) Hypot\u00e9ku lze doplatit kdykoliv a bez velk\u00fdch pokut.D\u0159\u00edve se bank\u00e1m p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed p\u0159\u00edli\u0161 nezamlouvalo, m\u011bli s&nbsp;n\u00edm probl\u00e9m, a st\u011b\u017eovali ho p\u0159ehnan\u00fdmi pokutami. Tomu je nyn\u00ed ale konec. Hypot\u00e9ku m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit a dokonce i s&nbsp;velkou \u00fasporou.4) Nedostanete 100% hypot\u00e9ku.Znamen\u00e1 to, \u017ee banky v&nbsp;sou\u010dasn\u00e9 dob\u011b ji\u017e nesm\u00ed p\u016fj\u010dovat 100 % ceny kupovan\u00e9 nemovitosti. Ide\u00e1ln\u011b mohou p\u016fj\u010dovat 80 %. Co to pro v\u00e1s znamen\u00e1? \u017de zbyl\u00fdch 20 % mus\u00edte m\u00edt prokazateln\u011b na\u0161et\u0159en\u00fdch. To znamen\u00e1, \u017ee jestli\u017ee si chcete postavit d\u016fm za 3.000.000 K\u010d, mus\u00edte m\u00edt re\u00e1ln\u011b ,,v kapse&ldquo; 600.000 K\u010d.N\u011bkter\u00e9 kroky a zm\u011bny vedou k&nbsp;v\u011bt\u0161\u00ed ochran\u011b klient\u016f, co\u017e je chv\u00e1lyhodn\u00e9. Nap\u0159\u00edklad v\u00e1m ji\u017e dnes nem\u016f\u017ee poskytnout hypot\u00e9ku t\u00e9m\u011b\u0159 kdokoliv, ale mus\u00ed se jednat o pro\u0161kolen\u00e9ho hypot\u00e9\u010dn\u00edho specialistu, tud\u00ed\u017e si m\u016f\u017eete b\u00fdt jisti pravdiv\u00fdmi a skute\u010dn\u00fdmi informacemi. V\u00fdznamn\u011b omezen\u00e1 je tak\u00e9 role finan\u010dn\u00edch poradc\u016f, kte\u0159\u00ed mnohdy doporu\u010dovali \u00fav\u011bry podle v\u00fd\u0161e provize, kterou by za jej\u00ed zprost\u0159edkov\u00e1n\u00ed dostali i p\u0159esto, \u017ee \u00fav\u011br byl nev\u00fdhodn\u00fd. Tomu je tak\u00e9 konec.Co ale pova\u017eujeme za opravdovou nev\u00fdhodu? Pr\u00e1v\u011b bod \u010d\u00edslo 4. Jedn\u00e1 se o absolutn\u00ed omezen\u00ed mlad\u00fdch rodin, kter\u00e9 by tak\u00e9 cht\u011bli bydlet ve sv\u00e9m, ale mnohdy nemohou, proto\u017ee budou muset t\u0159eba 10 let \u0161et\u0159it on\u011bch 20 %. Ne ka\u017ed\u00e9mu rodi\u010de naspo\u0159\u00ed, ne ka\u017ed\u00fd m\u00e1 mo\u017enost zd\u011bdit d\u016fm a p\u0159ij\u00edt tak velice sn\u00e1ze k&nbsp;tomu velk\u00e9mu bohatstv\u00ed, jako je vlastn\u00ed domov. Proto ti, co mus\u00ed tvrd\u011b d\u0159\u00edt a n\u011bkolik let str\u00e1vit \u0161et\u0159en\u00edm, jsou ochuzen\u00ed o tuto cennost.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky \u2013 neust\u00e1l\u00e9 komplikace a st\u00e1le t\u011b\u017e\u0161\u00ed mo\u017enost je z\u00edskat","item":"https:\/\/www.zerba.cz\/hypoteky-neustale-komplikace-a-stale-tezsi-moznost-je-ziskat\/#breadcrumbitem"}]}]