[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kupujete-dum-s-hypotekou-poradime-na-co-si-dat-pozor\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kupujete-dum-s-hypotekou-poradime-na-co-si-dat-pozor\/","headline":"Kupujete d\u016fm s hypot\u00e9kou? Porad\u00edme, na co si d\u00e1t pozor.","name":"Kupujete d\u016fm s hypot\u00e9kou? Porad\u00edme, na co si d\u00e1t pozor.","description":"Situace, kdy se majitel rozhodne odprodat nemovitost, na kterou je\u0161t\u011b st\u00e1le spl\u00e1c\u00ed hypot\u00e9ku, je b\u011b\u017en\u011bj\u0161\u00ed, ne\u017e by se mohlo zd\u00e1t. Zm\u011bna pr\u00e1ce, zalo\u017een\u00ed rodiny \u010di jin\u00e9 ud\u00e1lost\u00ed zp\u016fsob\u00ed, \u017ee se majitel rozhodne se bytu \u010di domu zbavit je\u0161t\u011b p\u0159ed splacen\u00edm hypot\u00e9ky. Rozhodnete-li se takovou nemovitost koupit, m\u00e1te dv\u011b mo\u017enosti: hypot\u00e9ku p\u0159evz\u00edt, nebo p\u0159ed\u010dasn\u011b splatit. &nbsp; &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kupujete-dum-s-hypotekou-poradime-na-co-si-dat-pozor\/\"> <span class=\"screen-reader-text\">Kupujete d\u016fm s hypot\u00e9kou? Porad\u00edme, na co si d\u00e1t pozor.<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/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_a300084_w1990_t1510213033.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a300084_w1990_t1510213033.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/kupujete-dum-s-hypotekou-poradime-na-co-si-dat-pozor\/","about":["Hypot\u00e9ky"],"wordCount":626,"articleBody":"\tSituace, kdy se majitel rozhodne odprodat nemovitost, na kterou je\u0161t\u011b st\u00e1le spl\u00e1c\u00ed hypot\u00e9ku, je b\u011b\u017en\u011bj\u0161\u00ed, ne\u017e by se mohlo zd\u00e1t. Zm\u011bna pr\u00e1ce, zalo\u017een\u00ed rodiny \u010di jin\u00e9 ud\u00e1lost\u00ed zp\u016fsob\u00ed, \u017ee se majitel rozhodne se bytu \u010di domu zbavit je\u0161t\u011b p\u0159ed splacen\u00edm hypot\u00e9ky. Rozhodnete-li se takovou nemovitost koupit, m\u00e1te dv\u011b mo\u017enosti: hypot\u00e9ku p\u0159evz\u00edt, nebo p\u0159ed\u010dasn\u011b splatit.\t&nbsp;\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chcete-li i vy sami vyu\u017e\u00edt p\u0159i financov\u00e1n\u00ed koup\u011b nemovitosti hypot\u00e9ku, budete ur\u010dit\u011b cht\u00edt zv\u00e1\u017eit:\t\tA) p\u0159evzet\u00ed st\u00e1vaj\u00edc\u00ed p\u016fj\u010dky. V\u00fdhodou tohoto postupu je, \u017ee nemus\u00edte platit velkou sumu pen\u011bz najednou. Cena hypot\u00e9ky se ode\u010dte od celkov\u00e9 kupn\u00ed ceny, vy zaplat\u00edte zbytek, a pokra\u010dujete ve spl\u00e1cen\u00e9 p\u016fj\u010dky. Jednoduch\u00e9, elegantn\u00ed. Tento postup m\u00e1 ale tak\u00e9 n\u011bkolik \u00faskal\u00ed. T\u00edm nejv\u011bt\u0161\u00edm je, \u017ee se na p\u0159eveden\u00ed p\u016fj\u010dky na nov\u00e9ho majitele mus\u00ed domluvit jak prod\u00e1vaj\u00edc\u00ed s&nbsp;kupuj\u00edc\u00edm, tak i kupuj\u00edc\u00ed a prod\u00e1vaj\u00edc\u00ed s&nbsp;bankou. Vy, jako kupuj\u00edc\u00ed, byste si m\u011bli d\u016fkladn\u011b prostudovat, za jak\u00fdch podm\u00ednek byla hypot\u00e9ka uzav\u0159ena.\tB) Hypote\u010dn\u00ed \u00fav\u011bry. Tyto se \u010dasto uzav\u00edraj\u00ed s&nbsp;fixn\u00edm \u00farokem, kter\u00fd nemus\u00ed b\u00fdt v&nbsp;\u010dase koup\u011b nemovitosti v\u00fdhodn\u00fd. Krom\u011b toho budete tak\u00e9 muset bance prok\u00e1zat, \u017ee jste \u00fav\u011br schopni spl\u00e1cet. Na druhou stranu, pokud m\u00e1te \u0161t\u011bst\u00ed, m\u016f\u017eete narazit i na hypot\u00e9ku s&nbsp;\u00farokem ni\u017e\u0161\u00edm, ne\u017e je moment\u00e1ln\u00ed hladina na trhu. I v&nbsp;tom p\u0159\u00edpad\u011b se ale vyplat\u00ed si ov\u011b\u0159it, na jak dlouho je \u00fav\u011br fixovan\u00fd. Krom\u011b toho je pot\u0159eba d\u00e1t si pozor tak\u00e9 na p\u0159evodn\u00ed poplatky, kter\u00e9 mohou j\u00edt do tis\u00edc\u016f korun. P\u0159evzet\u00ed hypot\u00e9ky je tedy ide\u00e1ln\u00ed tam, kde je p\u016fvodn\u00ed hypot\u00e9ka v\u00fdhodn\u00e1, a vy nechcete najednou platit velkou \u010d\u00e1stku.&nbsp;\t&nbsp;\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Asi m\u00e1lokter\u00fd kupuj\u00edc\u00ed m\u00e1 na to, aby zaplatil celou hypot\u00e9ku najednou. I v&nbsp;p\u0159\u00edpad\u011b, \u017ee je p\u016fvodn\u00ed hypot\u00e9ka nev\u00fdhodn\u00e1, existuje mo\u017enost, jak na nemovitost z\u00edskat hypot\u00e9ku. Postup se naz\u00fdv\u00e1 p\u0159efinancov\u00e1n\u00ed hypot\u00e9ky, a jde v&nbsp;z\u00e1sad\u011b o splacen\u00ed p\u016fvodn\u00ed hypot\u00e9ky hypot\u00e9kou va\u0161\u00ed. Vy si vy\u0159\u00edd\u00edte hypot\u00e9ku, jakou si vyberete, va\u0161e banka povol\u00ed bance prod\u00e1vaj\u00edc\u00edho \u010derpat pen\u00edze z&nbsp;va\u0161eho \u00fav\u011bru, ta z&nbsp;t\u011bchto pen\u011bz zaplat\u00ed hypot\u00e9ku p\u016fvodn\u00ed, a vy budete n\u00e1sledn\u011b spl\u00e1cet hypot\u00e9ku u sv\u00e9 banky. Tento postup je v\u00fdhodn\u00fd, kdy\u017e se v\u00e1m nel\u00edb\u00ed p\u016fvodn\u00ed podm\u00ednky. V&nbsp;ide\u00e1ln\u00edm p\u0159\u00edpad\u011b se v\u00e1m poda\u0159\u00ed trefit se do v\u00fdro\u010d\u00ed fixace, kdy je mo\u017en\u00e9 hypot\u00e9ku splatit bez dal\u0161\u00edch sankc\u00ed, v&nbsp;opa\u010dn\u00e9m p\u0159\u00edpad\u011b budete muset uhradit poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed p\u016fj\u010dky. Cel\u00fd proces je n\u00e1ro\u010dn\u011bj\u0161\u00ed, na druhou stranu m\u00e1te jistotu, \u017ee na p\u016fvodn\u00ed hypot\u00e9ce neprod\u011bl\u00e1te.&nbsp;\t&nbsp;\tA\u0165 u\u017e se rozhodnete pro kteroukoli z&nbsp;cest, v\u017edy myslete na to, \u017ee pro v\u00e1s plat\u00ed stejn\u00e9 podm\u00ednky, jako pro ka\u017ed\u00e9ho jin\u00e9ho \u017eadatele o hypot\u00e9ku. Tedy, hypot\u00e9ku vyb\u00edrejte pe\u010dliv\u011b, a p\u0159ipravte se, \u017ee budete bance muset prok\u00e1zat, \u017ee sv\u00e9 z\u00e1vazky dok\u00e1\u017eete spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                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