[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/muze-rodina-s-detmi-pomyslet-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/muze-rodina-s-detmi-pomyslet-na-hypoteku\/","headline":"M\u016f\u017ee rodina s d\u011btmi pom\u00fd\u0161let na hypot\u00e9ku?","name":"M\u016f\u017ee rodina s d\u011btmi pom\u00fd\u0161let na hypot\u00e9ku?","description":"Bylo by sice kr\u00e1sn\u00e9, kdybychom si nov\u00e9 bydlen\u00ed mohli po\u0159izovat bez jak\u00fdchkoliv p\u016fj\u010dek, ale realita je naprosto jin\u00e1. Opravdu jen mal\u00e9 procento mlad\u00fdch rodin si po\u0159izuje vlastn\u00ed bydlen\u00ed, ani\u017e by se zadlu\u017eili na n\u011bkolik n\u00e1sleduj\u00edc\u00edch let. Co d\u011blat, kdy\u017e je \u017eena na mate\u0159sk\u00e9? Kladete si ot\u00e1zku, zda m\u00e1 smysl \u017e\u00e1dat banku o poskytnut\u00ed hypot\u00e9ky v&nbsp;dob\u011b, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/muze-rodina-s-detmi-pomyslet-na-hypoteku\/\"> <span class=\"screen-reader-text\">M\u016f\u017ee rodina s d\u011btmi pom\u00fd\u0161let na hypot\u00e9ku?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-17","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_a304599_w1729_t1515659015.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a304599_w1729_t1515659015.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/muze-rodina-s-detmi-pomyslet-na-hypoteku\/","about":["Hypot\u00e9ky"],"wordCount":439,"articleBody":"Bylo by sice kr\u00e1sn\u00e9, kdybychom si nov\u00e9 bydlen\u00ed mohli po\u0159izovat bez jak\u00fdchkoliv p\u016fj\u010dek, ale realita je naprosto jin\u00e1. Opravdu jen mal\u00e9 procento mlad\u00fdch rodin si po\u0159izuje vlastn\u00ed bydlen\u00ed, ani\u017e by se zadlu\u017eili na n\u011bkolik n\u00e1sleduj\u00edc\u00edch let.Co d\u011blat, kdy\u017e je \u017eena na mate\u0159sk\u00e9?Kladete si ot\u00e1zku, zda m\u00e1 smysl \u017e\u00e1dat banku o poskytnut\u00ed hypot\u00e9ky v&nbsp;dob\u011b, kdy vyd\u011bl\u00e1v\u00e1 pouze mu\u017e a \u017eena dost\u00e1v\u00e1 jen omezen\u00fd p\u0159\u00edsp\u011bvek od st\u00e1tu? Dobrou zpr\u00e1vou pro V\u00e1s je, \u017ee bank\u00e1m je celkem jedno, jestli je \u017eena doma s&nbsp;d\u011btmi \u010di jak\u00fd je po\u010det Va\u0161ich potomk\u016f. Rozhoduj\u00edc\u00edm faktorem proto, aby V\u00e1m byla poskytnuta p\u016fj\u010dka, je celkov\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem rodiny. Dal\u0161\u00edm d\u016fle\u017eit\u00fdm faktorem je stabilita tohoto p\u0159\u00edjmu. Proto je nap\u0159\u00edklad nepravd\u011bpodobn\u00e9, \u017ee V\u00e1m bude schv\u00e1lena hypot\u00e9ka v&nbsp;p\u0159\u00edpad\u011b, \u017ee jste zm\u011bnili zam\u011bstn\u00e1n\u00ed a jste je\u0161t\u011b ve zku\u0161ebn\u00ed dob\u011b.Po ode\u010dten\u00ed osobn\u00edch \u017eivotn\u00edch n\u00e1klad\u016f, v\u00fddaj\u016f na dom\u00e1cnost a dal\u0161\u00edch p\u0159\u00edpadn\u00fdch finan\u010dn\u00edch z\u00e1vazk\u016f V\u00e1m mus\u00ed zb\u00fdt dostate\u010dn\u00fd obnos na pravideln\u00e9 spl\u00e1cen\u00ed hypot\u00e9ky. Sv\u00e9 finan\u010dn\u00ed p\u0159\u00edjmy dokl\u00e1d\u00e1te bu\u010f da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm \u010di potvrzen\u00edm p\u0159\u00edjm\u016f od zam\u011bstnavatele. Banka si d\u00e1le zkontroluje Va\u0161i platebn\u00ed minulost, a zda nem\u00e1te n\u011bkde jin\u00e9 p\u016fj\u010dky \u010di dluhy.P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti dob\u0159e zva\u017ete svou situaci!Je p\u0159irozen\u00e9, \u017ee tou\u017e\u00edte po v\u011bt\u0161\u00edm a hez\u010d\u00edm bydlen\u00ed, ale to neznamen\u00e1, \u017ee budete zav\u00edrat o\u010di p\u0159ed skute\u010dnost\u00ed. Pokud u\u017e p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o hypot\u00e9ku je v\u00e1\u0161 rodinn\u00fd rozpo\u010det napjat\u00fd, vyplat\u00ed se asi je\u0161t\u011b n\u011bkolik let po\u010dkat, a\u017e se rodinn\u00e1 finan\u010dn\u00ed situace zlep\u0161\u00ed.&nbsp; P\u0159i \u017e\u00e1dosti o hypot\u00e9ku V\u00e1m bude hr\u00e1t do karet, to \u017ee m\u00e1te n\u011bjakou naspo\u0159enou \u010d\u00e1stku a budete m\u00edt \u010d\u00edm ru\u010dit.Nedok\u00e1\u017eete-li svou finan\u010dn\u00ed situaci spr\u00e1vn\u011b vyhodnotit sami, m\u016f\u017eete se samoz\u0159ejm\u011b poradit s&nbsp;finan\u010dn\u00edm poradcem, kter\u00fd V\u00e1m z\u00e1rove\u0148 p\u0159edstav\u00ed, jak\u00e9 m\u00e1te dal\u0161\u00ed mo\u017enosti. Sestav\u00ed V\u00e1m finan\u010dn\u00ed pl\u00e1n na m\u00edru. Pokud budou aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby n\u00edzk\u00e9, porad\u00ed V\u00e1m s&nbsp;jejich fixac\u00ed na dobu alespo\u0148 p\u011bti let.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017ee rodina s d\u011btmi pom\u00fd\u0161let na hypot\u00e9ku?","item":"https:\/\/www.zerba.cz\/muze-rodina-s-detmi-pomyslet-na-hypoteku\/#breadcrumbitem"}]}]