[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/nemate-nasporeno-na-bydleni-nezoufejte\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/nemate-nasporeno-na-bydleni-nezoufejte\/","headline":"Nem\u00e1te naspo\u0159eno na bydlen\u00ed? Nezoufejte!","name":"Nem\u00e1te naspo\u0159eno na bydlen\u00ed? Nezoufejte!","description":"V\u011bt\u0161ina \u017eadatel\u016f jde tak zvan\u011b na krev a p\u0159\u00edpadn\u00e9 pen\u00edze, kter\u00e9 by m\u011bli m\u00edt na\u0161et\u0159en\u00e9 \u0159e\u0161\u00ed tak, \u017ee si je p\u016fj\u010d\u00ed na z\u00e1klad\u011b \u00fav\u011br\u016f \u010di p\u016fj\u010dek od zn\u00e1m\u00fdch, proto\u017ee u\u017e ani \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed bank\u00e1m nem\u016f\u017ee za t\u00edmto \u00fa\u010delem sta\u010dit.Co z toho vypl\u00fdv\u00e1? V\u00fdsledkem omezen\u00ed hypot\u00e9k nad 80 % z hodnoty nemovitosti je to, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/nemate-nasporeno-na-bydleni-nezoufejte\/\"> <span class=\"screen-reader-text\">Nem\u00e1te naspo\u0159eno na bydlen\u00ed? Nezoufejte!<\/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_a316076_w2000_t1527050602.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316076_w2000_t1527050602.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/nemate-nasporeno-na-bydleni-nezoufejte\/","about":["Hypot\u00e9ky"],"wordCount":530,"articleBody":"V\u011bt\u0161ina \u017eadatel\u016f jde tak zvan\u011b na krev a p\u0159\u00edpadn\u00e9 pen\u00edze, kter\u00e9 by m\u011bli m\u00edt na\u0161et\u0159en\u00e9 \u0159e\u0161\u00ed tak, \u017ee si je p\u016fj\u010d\u00ed na z\u00e1klad\u011b \u00fav\u011br\u016f \u010di p\u016fj\u010dek od zn\u00e1m\u00fdch, proto\u017ee u\u017e ani \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed bank\u00e1m nem\u016f\u017ee za t\u00edmto \u00fa\u010delem sta\u010dit.Co z toho vypl\u00fdv\u00e1?V\u00fdsledkem omezen\u00ed hypot\u00e9k nad 80 % z hodnoty nemovitosti je to, \u017ee bez vlastn\u00edch \u00faspor jste t\u00e9m\u011b\u0159 nahran\u00ed. Pokud nem\u00e1te na\u0161et\u0159eno, mus\u00edte tedy pen\u00edze z\u00edskat jin\u00fdm zp\u016fsobem, ale to jsou zp\u016fsoby, kter\u00e9 v\u00e1s mohou dostat do prek\u00e9rn\u00edch situac\u00ed, a\u0165 u\u017e ohledn\u011b spl\u00e1cen\u00ed bank\u00e1m \u010di ve vztaz\u00edch v rodin\u011b nebo se zn\u00e1m\u00fdmi.Je tedy n\u011bjak\u00e1 mo\u017enost tuto situaci vy\u0159e\u0161it bez p\u016fj\u010dky?Ano!M\u016f\u017eete zastavit hypot\u00e9ku pr\u00e1v\u011b jinou nemovitost\u00ed, tedy nejen tou, kterou kupujete, ale tak\u00e9 jinou, a\u0165 u\u017e se jedn\u00e1 o d\u016fm \u010di byt t\u0159eba va\u0161ich rodi\u010d\u016f. Toto je doporu\u010den\u00ed nejen finan\u010dn\u00edch poradc\u016f, ale tak\u00e9 bank. To pr\u00e1v\u011b z toho d\u016fvodu, \u017ee v tuto chv\u00edli ji\u017e pr\u00e1v\u011b nen\u00ed mo\u017en\u00e9 jin\u00fdm zp\u016fsobem dofinancovat hypot\u00e9ku, d\u0159\u00edve nap\u0159\u00edklad pr\u00e1v\u011b \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed.Pro\u010d nejsou dostupn\u00e9?Banky prost\u011b jen respektuj\u00ed doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e9 bylo vyd\u00e1no, aby se zabr\u00e1nilo p\u0159\u00edpadn\u00e9mu kolapsu na trhu nemovitost\u00ed, tak jak ho zn\u00e1me nap\u0159\u00edklad z USA, kde byl krach ji\u017e p\u0159ed deseti lety. Mimochodem moment\u00e1ln\u00ed situace na trhu s hypot\u00e9kami v USA se op\u011bt bl\u00ed\u017e\u00ed k tot\u00e1ln\u00edmu kolapsu a to p\u0159esn\u011b z d\u016fvod\u016f nebankovn\u00edch hypot\u00e9k a r\u016fzn\u00fdch jin\u00fdch zaji\u0161\u0165ovac\u00edch postup\u016f.A dal\u0161\u00ed \u0159e\u0161en\u00ed?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00dasporyI kdy\u017e je to pro n\u011bkoho nep\u0159\u00edjemn\u00e9, je rozumn\u00e9 vyu\u017e\u00edt opravdu osobn\u00edch \u010di rodinn\u00fdch \u00faspor. M\u016f\u017eete t\u0159eba vybrat pen\u00edze z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed, spo\u0159\u00edc\u00edho \u00fa\u010dtu \u010di prodat cenn\u00e9 pap\u00edry. V\u00fdjime\u010dn\u011b lze tedy vyu\u017e\u00edt i \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed, ale banka v tu chv\u00edli mus\u00ed p\u0159istoupit k tomu, \u017ee v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky bude p\u0159i\u010dtena k v\u00fddaj\u016fm ka\u017ed\u00e9ho m\u011bs\u00edce a t\u00edm se zase sn\u00ed\u017e\u00ed v podstat\u011b mo\u017enost m\u00edt spln\u011bn\u00e9 podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Spo\u0159en\u00edFinan\u010dn\u00ed poradci i banky se shoduj\u00ed na tom, \u017ee v tuto chv\u00edli je nejlep\u0161\u00ed nep\u0159ece\u0148ovat svoje finan\u010dn\u00ed mo\u017enosti a zab\u00fdvat se t\u00edm, jak na \u010d\u00e1st nemovitosti na\u0161et\u0159it. Jednak jsou v tuto chv\u00edli op\u011bt na vzestupu \u00farokov\u00e9 sazby, jednak net\u0159eba hn\u00e1t se do probl\u00e9mu kv\u016fli tomu, \u017ee te\u010f n\u011bco chcete a nem\u00e1te p\u0159edstavu o budouc\u00edch t\u011b\u017ek\u00fdch situac\u00edch, kter\u00e9 kolem spl\u00e1cen\u00ed \u00fav\u011br\u016f a hypot\u00e9ky plynou.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nem\u00e1te naspo\u0159eno na bydlen\u00ed? 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