[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/krize-ktera-nas-nedostane\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/krize-ktera-nas-nedostane\/","headline":"Krize, kter\u00e1 n\u00e1s nedostane","name":"Krize, kter\u00e1 n\u00e1s nedostane","description":"Pot\u0159ebujeme bydlet, anebo jen opravit st\u00e1vaj\u00edc\u00ed d\u016fm, byt \u010di dan\u00fd objekt. Co ale, kdy\u017e na\u0161e finance jsou minim\u00e1ln\u00ed, \u010di dokonce \u017e\u00e1dn\u00e9? Mus\u00edme si s t\u00edm poradit a to, dle toho, jak v\u0161e je pot\u0159eba m\u00edt. Existuj\u00ed druhy p\u016fj\u010dek a to na bydlen\u00ed, anebo na samotn\u00e9 po\u0159\u00edzen\u00ed toho, co je libo. Podle toho, o jak\u00e9 finance …

Krize, kter\u00e1 n\u00e1s nedostane<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-04","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\/krize-ktera-nas-nedostane\/","about":["P\u016fj\u010dky"],"wordCount":547,"articleBody":"\tPot\u0159ebujeme bydlet, anebo jen opravit st\u00e1vaj\u00edc\u00ed d\u016fm, byt \u010di dan\u00fd objekt. Co ale, kdy\u017e na\u0161e finance jsou minim\u00e1ln\u00ed, \u010di dokonce \u017e\u00e1dn\u00e9? Mus\u00edme si s t\u00edm poradit a to, dle toho, jak v\u0161e je pot\u0159eba m\u00edt. Existuj\u00ed druhy p\u016fj\u010dek a to na bydlen\u00ed, anebo na samotn\u00e9 po\u0159\u00edzen\u00ed toho, co je libo. Podle toho, o jak\u00e9 finance n\u00e1m jde, si pak sm\u00edme dob\u0159e a v\u00fdhodn\u011b vybrat dan\u00e9 druhy hypot\u00e9k \u010di p\u016fj\u010dek.\t\tVybrat si spr\u00e1vn\u011b a co \u00faroky?Nov\u00e9 \u010di lep\u0161\u00ed bydlen\u00ed si dnes m\u016f\u017eete po\u0159\u00eddit, ani\u017e byste m\u011bli naspo\u0159eny vlastn\u00ed pen\u00edze. V\u011bt\u0161ina bank V\u00e1m toti\u017e poskytne hypot\u00e9ku na celou cenu nemovitosti. St\u00e1le v\u0161ak plat\u00ed pravidlo, \u017ee na \u010d\u00edm vy\u0161\u0161\u00ed \u010d\u00e1st ceny nemovitosti si p\u016fj\u010dujete, t\u00edm vy\u0161\u0161\u00ed m\u00e1te \u00farokovou sazbu. Rozd\u00edl v \u00farokov\u00fdch sazb\u00e1ch mezi tzv. 100% hypot\u00e9kou (tj. berete si \u00fav\u011br na celou cenu nemovitosti) a hypot\u00e9kou na 85 % ceny nemovitosti (tj. 15 % ceny plat\u00edte ze sv\u00fdch \u00faspor) jsou i dva procentn\u00ed body. V praxi se tedy vyplat\u00ed m\u00edt n\u011bco naspo\u0159eno.Na trhu jsou hypot\u00e9ky bez prokazov\u00e1n\u00ed p\u0159\u00edjmu. Jen\u017ee, \u00farokov\u00e1 sazba t\u011bchto \u00fav\u011br\u016f se pohybuje mezi 4 % – 9 %. \u00darokov\u00e9 sazby hypot\u00e9k s prokazov\u00e1n\u00edm p\u0159\u00edjm\u016f p\u0159itom klesly u\u017e pod 2 %. Z toho plyne, \u017ee prok\u00e1zat p\u0159\u00edjem se prost\u011b vyplat\u00ed. Banky p\u0159itom nebude zaj\u00edmat pouze to, kolik pen\u011bz vyd\u011bl\u00e1v\u00e1te, ale tak\u00e9 to, jak\u00e9 p\u0159\u00edjmy jste m\u011bli v minulosti a jak\u00e1 je stabilita t\u011bchto p\u0159\u00edjm\u016f. Komplikac\u00ed v tomto sm\u011bru je, pokud m\u00e1te prvn\u00ed pracovn\u00ed smlouvu na dobu ur\u010ditou s dobou trv\u00e1n\u00ed 12 m\u011bs\u00edc\u016f, v tomto p\u0159\u00edpad\u011b V\u00e1m v\u011bt\u0161ina bank \u00fav\u011br neposkytne. Pokud jde o Va\u0161e minul\u00e9 p\u0159\u00edjmy, ty banky sleduj\u00ed a\u017e rok zp\u011btn\u011b. Zaj\u00edm\u00e1 je p\u0159itom v\u00fdvoj Va\u0161ich p\u0159\u00edjm\u016f (jestli je Va\u0161e v\u00fdplata jednou v\u011bt\u0161\u00ed a pak zase men\u0161\u00ed). P\u0159\u00edpadn\u00e9 kol\u00eds\u00e1n\u00ed p\u0159\u00edjm\u016f pak banka Va\u0161e p\u0159\u00edjmy zpr\u016fm\u011bruje. Nen\u00ed to lehk\u00e9, spr\u00e1vn\u011b si vybrat, ale pomoc odborn\u00edk\u016f, se v\u017edy vyplat\u00ed.\t\tNen\u00ed to \u017e\u00e1dn\u00fd medM\u00edt tedy spr\u00e1vnou hypot\u00e9ku i s n\u00edzk\u00fdm \u00farokem, ale tak\u00e9 m\u00edt dostatek financ\u00ed, co je pot\u0159eba, je opravdu t\u011b\u017ek\u00e9, ale ne nemo\u017en\u00e9. Doporu\u010duj\u00ed se propo\u010dty, kde se pak m\u016f\u017eete jednodu\u0161e \u0159\u00eddit, dle kalkulac\u00ed a \u010d\u00edsel zde, co je nejlep\u0161\u00ed.\t\u00da\u010delov\u00e9 a bez \u00fa\u010deluPodle toho, na\u010d dan\u00e9 finance pot\u0159ebujeme, se lehce m\u016f\u017eeme rozhodnout, zda jsou pro n\u00e1s lep\u0161\u00ed hypot\u00e9ky, kde se prokazuje dan\u00fd \u00fa\u010del, \u010di n\u00e1m sta\u010d\u00ed v\u00fd\u0161e p\u016fj\u010dek, kde prokazov\u00e1n\u00ed \u00fa\u010delu, nen\u00ed pro dan\u00e9 banky pot\u0159eba. V\u017edy si zvolte to, co n\u00e1m dan\u00e1 situace p\u0159in\u00e1\u0161\u00ed a to s rozumem a dle pot\u0159eb. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Krize, kter\u00e1 n\u00e1s nedostane","item":"https:\/\/www.zerba.cz\/krize-ktera-nas-nedostane\/#breadcrumbitem"}]}]