[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/mam-si-brat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/mam-si-brat-hypoteku\/","headline":"M\u00e1m si br\u00e1t hypot\u00e9ku?","name":"M\u00e1m si br\u00e1t hypot\u00e9ku?","description":"\u00d8  Kdy\u017e se rozhodujete o tom, zda si hypot\u00e9ku vz\u00edt te\u010f nebo je\u0161t\u011b po\u010dkat, existuje n\u011bkolik v\u011bc\u00ed, nad kter\u00fdmi byste se m\u011bli zamyslet. Zaprv\u00e9, zeptejte se sami sebe, pro\u010d chcete hypot\u00e9ku pr\u00e1v\u011b na tuto nemovitost. Bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b je samoz\u0159ejm\u011b kr\u00e1sn\u00e9, ale zkuste si sami sebe p\u0159edstavit v tom sam\u00e9m m\u00edst\u011b za deset …

M\u00e1m si br\u00e1t hypot\u00e9ku?<\/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_a300081_w1990_t1510212808.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a300081_w1990_t1510212808.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/mam-si-brat-hypoteku\/","about":["Hypot\u00e9ky"],"wordCount":834,"articleBody":"\t\u00d8  Kdy\u017e se rozhodujete o tom, zda si hypot\u00e9ku vz\u00edt te\u010f nebo je\u0161t\u011b po\u010dkat, existuje n\u011bkolik v\u011bc\u00ed, nad kter\u00fdmi byste se m\u011bli zamyslet. Zaprv\u00e9, zeptejte se sami sebe, pro\u010d chcete hypot\u00e9ku pr\u00e1v\u011b na tuto nemovitost. Bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b je samoz\u0159ejm\u011b kr\u00e1sn\u00e9, ale zkuste si sami sebe p\u0159edstavit v tom sam\u00e9m m\u00edst\u011b za deset let. Podkrovn\u00ed byt v centru m\u016f\u017ee b\u00fdt spln\u011bn\u00fdm snem pro mnoho mlad\u00fdch, dynamick\u00fdch p\u00e1r\u016f, ale rychle se stane no\u010dn\u00ed m\u016frou, pokud v tom sam\u00e9m byt\u011b budou cht\u00edt usp\u00e1vat d\u011bti a tahat do n\u011bj ko\u010d\u00e1rek. Zaopat\u0159en\u00fd star\u0161\u00ed p\u00e1r zase m\u016f\u017ee zatou\u017eit po domku na venkov\u011b, kter\u00fd budou za deset let nen\u00e1vid\u011bt pro \u0161patnou dostupnost a n\u00e1ro\u010dnou \u00fadr\u017ebu. Hypot\u00e9ku byste si tedy m\u011bli br\u00e1t v situaci, kdy jste si jisti, \u017ee v dan\u00e9 nemovitosti budete pob\u00fdvat d\u00e9le ne\u017e p\u00e1r let, a do kter\u00e9ho se v\u00e1m tedy vyplat\u00ed investovat. Jakmile jste rozhodnuti, \u017ee tento byt \u010di d\u016fm je ten prav\u00fd, p\u0159ich\u00e1z\u00ed ot\u00e1zka, jestli budete schopni p\u016fj\u010dku spl\u00e1cet. A to nejen te\u010f nebo za rok, ale t\u0159eba i za p\u011bt nebo za deset let.\t\tPokud jste tedy nap\u0159\u00edklad v pracovn\u00edm pom\u011bru na dobu ur\u010ditou, \u010di m\u00e1te se zam\u011bstnavatelem uzav\u0159en\u00fd nepopul\u00e1rn\u00ed zero-hours contract (smlouvu bez garance minim\u00e1ln\u00edho po\u010dtu pracovn\u00edch hodin), tak je nejsp\u00ed\u0161e dobr\u00fd n\u00e1pad se nejd\u0159\u00edve pokusit vyjednat zm\u011bnu pracovn\u00edho pom\u011bru \u010di se poohl\u00e9dnout po stabiln\u011bj\u0161\u00edm zam\u011bstn\u00e1n\u00ed. Doby, kdy banky d\u00e1valy hypot\u00e9ky prakticky ka\u017ed\u00e9mu, jsou d\u00e1vno pry\u010d, a stabiln\u00ed zam\u011bstn\u00e1n\u00ed v\u00fdrazn\u011b zvy\u0161uje nejen va\u0161i \u0161anci na \u00fav\u011br, ale i \u0161anci na lep\u0161\u00ed \u00farok. Krom\u011b stabiln\u00ed pr\u00e1ce byste ale m\u011bli zv\u00e1\u017eit i riziko dal\u0161\u00edch zm\u011bn ve va\u0161\u00ed finan\u010dn\u00ed situaci. Pl\u00e1nujete zakl\u00e1dat \u010di roz\u0161i\u0159ovat rodinu? Pop\u0159em\u00fd\u0161lejte o tom, jak\u00fd vliv to bude m\u00edt na va\u0161e p\u0159\u00edjmy a n\u00e1klady. Investujete? Ud\u011blejte si realistick\u00fd odhad rizik. Pokud si hypot\u00e9ku berete z\u00e1rove\u0148 s partnerem \u010di partnerkou, vezm\u011bte v potaz tak\u00e9 finan\u010dn\u00ed mo\u017enosti toho druh\u00e9ho. V p\u0159\u00edpad\u011b, \u017ee by se v\u00e1m n\u011bco stalo, tak va\u0161e drah\u00e1 polovi\u010dka bude st\u00e1le za hypot\u00e9ku zodpov\u011bdn\u00e1. A m\u00e1loco je hor\u0161\u00ed, ne\u017e v kritick\u00e9 situaci muset \u0159e\u0161it je\u0161t\u011b nesplatitelnou hypot\u00e9ku. Tato rizika byste pak m\u011bli s bankovn\u00edm makl\u00e9\u0159em \u010di finan\u010dn\u00edm poradcem probrat u\u017e v po\u010d\u00e1tc\u00edch, rad\u011bji ne\u017e \u0159e\u0161it n\u00e1sledn\u00e9 probl\u00e9my.              \t \t\u00d8  Krom\u011b va\u0161\u00ed schopnosti spl\u00e1cet zva\u017ete tak\u00e9, jak velkou flexibilitu v\u00e1m va\u0161e finan\u010dn\u00ed situace umo\u017e\u0148uje. To bude kl\u00ed\u010dov\u00e9 pro n\u00e1sledn\u00fd v\u00fdb\u011br hypot\u00e9ky. Pakli\u017ee m\u00e1te uta\u017een\u011bj\u0161\u00ed rozpo\u010det ale tak\u00e9 jistotu stabiln\u00edho p\u0159\u00edjmu, je pro v\u00e1s paradoxn\u011b lep\u0161\u00ed zvolit si hypot\u00e9ku na del\u0161\u00ed dobu a s fixn\u00edm \u00farokem. Fixn\u00ed \u00farok b\u00fdv\u00e1 sice o n\u011bco vy\u0161\u0161\u00ed ne\u017e moment\u00e1ln\u00ed \u00farok na trhu, ale m\u00e1te jistotu, \u017ee se vyhnete n\u00e1hl\u00fdm zm\u011bn\u00e1m. Naopak chcete-li u\u0161et\u0159it a nevad\u00ed v\u00e1m riskovat, m\u016f\u017eete se rozhodnout pro hypot\u00e9ku bez fixace. V tom p\u0159\u00edpad\u011b se v\u00e1\u0161 \u00farok odv\u00edj\u00ed od moment\u00e1ln\u00ed \u00farokov\u00e9 sazby na trhu. Pokud tedy tref\u00edte \u010das, kdy je \u00farok dlouhodob\u011b n\u00edzk\u00fd, m\u00e1te \u0161anci v\u00fdrazn\u011b u\u0161et\u0159it. Naopak, pokud \u00farokov\u00e1 sazba vylet\u00ed nahoru, tak si p\u0159iplat\u00edte. Hypot\u00e9ky bez fixn\u00edch sazeb jsou tedy v\u00fdhodn\u00e9 zejm\u00e9na pro ty dlu\u017en\u00edky, kte\u0159\u00ed v rozpo\u010dtu nemus\u00ed hled\u011bt na ka\u017edou korunu. Jste-li finan\u010dn\u011b flexibiln\u00ed, \u010di pokud \u010dek\u00e1te, \u017ee v budoucnu se va\u0161e finan\u010dn\u00ed situace v\u00fdrazn\u011b zlep\u0161\u00ed, v\u011bnujte pozornost i podm\u00ednk\u00e1m p\u0159ed\u010dasn\u00e9ho splacen\u00ed \u00fav\u011bru. Mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed je obvykle vykoupena vy\u0161\u0161\u00edm \u00farokem, naopak banky s ni\u017e\u0161\u00edm \u00farokem si mohou \u00fa\u010dtovat vysok\u00e9 poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru.      \t \t\u00d8  Pokud v\u0161echny tyto aspekty zv\u00e1\u017e\u00edte, m\u011bl by v\u00e1m vyj\u00edt realistick\u00fd odhad situace. Pokud sami sob\u011b vyjdete jako rizikov\u00fd klient, je dost pravd\u011bpodobn\u00e9, \u017ee to banka uvid\u00ed stejn\u011b. A pokud jste si jisti, \u017ee hypot\u00e9ku ut\u00e1hnete, a \u017ee ji opravdu chcete, je \u010das prozkoumat finan\u010dn\u00ed trhy. 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