[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/o-cem-se-malo-mluvi\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/o-cem-se-malo-mluvi\/","headline":"O \u010dem se m\u00e1lo mluv\u00ed","name":"O \u010dem se m\u00e1lo mluv\u00ed","description":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) m\u00e1 samoz\u0159ejm\u011b z\u00e1sadn\u00ed v\u00fdznam pro stabilitu ekonomiky. Ale oby\u010dejn\u00fd ob\u010dan vn\u00edm\u00e1 n\u011bkter\u00e9 jej\u00ed kroky negativn\u011b. Zvl\u00e1\u0161\u0165, co se t\u00fdk\u00e1 hypote\u010dn\u00edch \u00fav\u011br\u016f. M\u00e1 v\u016fbec st\u00e1t z\u00e1jem na zadlu\u017eenosti sv\u00fdch ob\u010dan\u016f, co se t\u00fdk\u00e1 bydlen\u00ed? T\u011b\u017ek\u00e1 ot\u00e1zka. Dnes u\u017e na hypote\u010dn\u00ed \u00fav\u011br ka\u017ed\u00fd nedos\u00e1hne. Realita je takov\u00e1, \u017ee mnoho mlad\u00fdch lid\u00ed a rodin &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/o-cem-se-malo-mluvi\/\"> <span class=\"screen-reader-text\">O \u010dem se m\u00e1lo mluv\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-18","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_a300889_w1998_t1510924560.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a300889_w1998_t1510924560.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/o-cem-se-malo-mluvi\/","about":["Hypot\u00e9ky"],"wordCount":753,"articleBody":"\u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) m\u00e1 samoz\u0159ejm\u011b z\u00e1sadn\u00ed v\u00fdznam pro stabilitu ekonomiky. Ale oby\u010dejn\u00fd ob\u010dan vn\u00edm\u00e1 n\u011bkter\u00e9 jej\u00ed kroky negativn\u011b. Zvl\u00e1\u0161\u0165, co se t\u00fdk\u00e1 hypote\u010dn\u00edch \u00fav\u011br\u016f.M\u00e1 v\u016fbec st\u00e1t z\u00e1jem na zadlu\u017eenosti sv\u00fdch ob\u010dan\u016f, co se t\u00fdk\u00e1 bydlen\u00ed? T\u011b\u017ek\u00e1 ot\u00e1zka. Dnes u\u017e na hypote\u010dn\u00ed \u00fav\u011br ka\u017ed\u00fd nedos\u00e1hne. Realita je takov\u00e1, \u017ee mnoho mlad\u00fdch lid\u00ed a rodin jsou nuceni \u017e\u00edt v&nbsp;jedn\u00e9 dom\u00e1cnosti se sv\u00fdmi rodi\u010di.Trh samoz\u0159ejm\u011b ur\u010duje popt\u00e1vku po nemovitostech, kter\u00e9 je v&nbsp;sou\u010dasnosti dost velk\u00e9. Oproti popt\u00e1vce je nab\u00eddka nemovitost\u00ed men\u0161\u00ed, proto\u017ee v&nbsp;minul\u00fdch letech se m\u00e9n\u011b do nemovitost\u00ed &nbsp;investovalo.Sen o vlastn\u00edm bydlen\u00ed snad m\u00e1 ka\u017ed\u00fd z&nbsp;n\u00e1s. Ur\u010dit\u011b si \u0159ekneme, pro\u010d platit za n\u00e1jem, kdy\u017e p\u0159ev\u00e1\u017en\u011b za men\u0161\u00ed pen\u00edze, kter\u00e9 byste spl\u00e1cely bance za hypote\u010dn\u00ed \u00fav\u011br, vy\u0159e\u0161\u00ed vlastn\u00ed vysn\u011bn\u00e9 bydlen\u00ed.&nbsp;Ale z\u00edskat hypot\u00e9ku, to bude samoz\u0159ejm\u011b z\u00e1le\u017eet na tom, jak\u00e9 m\u00e1te p\u0159\u00edjmy a p\u0159\u00edpadn\u011b jin\u00e9 z\u00e1vazky, nap\u0159\u00edklad ve form\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Proto\u017ee u\u017eexistuj\u00edc\u00ed z\u00e1vazky v\u00e1m pravd\u011bpodobn\u011b z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru dost zkomplikuj\u00ed.&nbsp;N\u011bkolik rad, na co se p\u0159ipravit p\u0159i vy\u0159izov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru v bank\u00e1ch:&nbsp;&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Hypot\u00e9ka (v bance) se vy\u0159izuje p\u0159ibli\u017en\u011b za 2 a\u017e 3 m\u011bs\u00edce.&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P\u0159edem si spo\u010d\u00edtejte v\u0161e p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti (va\u0161e p\u0159\u00edjmy, v\u00fddaje, spl\u00e1tky st\u00e1vaj\u00edc\u00edch z\u00e1vazk\u016f&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P\u0159i jedn\u00e1n\u00ed o \u017e\u00e1dosti nesm\u00edte nic zatajovat (p\u0159\u00edjmy, v\u00fddaje, ru\u010ditelsk\u00e9 z\u00e1vazky, kreditn\u00ed karty, kontokorenty, \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed, uzav\u0159en\u00e9 z\u00e1vazky bankovn\u00ed i nebankovn\u00ed, jin\u00fd hypote\u010dn\u00ed \u00fav\u011br, exekuce&hellip;)&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Banka si d\u016fkladn\u011b prov\u011b\u0159uje va\u0161i bonitu, to znamen\u00e1 \u010dist\u00fd p\u0159\u00edjem. Z tohoto p\u0159\u00edjmu je u\u017e ode\u010dten\u00e9 poji\u0161t\u011bn\u00ed, p\u0159\u00edpadn\u011b jin\u00e9 spl\u00e1tky \u00fav\u011br\u016f, v\u00fd\u017eivn\u00e9 i leasing.&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Banka posuzuje va\u0161i platebn\u00ed i \u00fav\u011brovou historii.&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Hypote\u010dn\u00ed \u00fav\u011br je kryt\u00fd z\u00e1stavou nemovitosti, proto z\u00edsk\u00e1v\u00e1te pom\u011brn\u011b ni\u017e\u0161\u00ed \u00farokovou sazbu, ne\u017e u jin\u00fdch \u00fav\u011br\u016f.Kdy\u017e chcete hypot\u00e9ku v pohod\u011b spl\u00e1cet, p\u0159i vy\u0159izov\u00e1n\u00ed se zaj\u00edmejte nejenom o n\u00edzkou \u00farokovou sazbu, ale d\u00e1vejte si pozor na n\u011bkter\u00e9 body ve smlouv\u011b.&nbsp; Nebojte se s&nbsp;bankou jednat a i z\u00e1rove\u0148 smlouvat:\u00d8&nbsp; N\u00edzk\u00e1 \u00farokov\u00e1 sazba, je p\u0159ev\u00e1\u017en\u011b podm\u00edn\u011bn\u00e1 spln\u011bn\u00edm ur\u010dit\u00e9 podm\u00ednky dan\u00e9 banky, nap\u0159\u00edklad koupi dal\u0161\u00edch finan\u010dn\u00edch produkt\u016f. Nap\u0159\u00edklad se to t\u00fdk\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed a dal\u0161\u00edchskryt\u00fdch poplatk\u016f, kter\u00e9 mohou pr\u016fm\u011brnou sazbu hypot\u00e9ky zdra\u017eit a\u017e o desetiny procent.\u00d8&nbsp; Datum fixacea konec fixace si v\u017edy dob\u0159e ov\u011b\u0159te (zapi\u0161te si ho nebo dob\u0159e zapamatujte).\u00d8&nbsp; Poplatky za mimo\u0159\u00e1dnou spl\u00e1tku,kter\u00e1 bude mimo fixa\u010dn\u00edho obdob\u00ed, jsou dost vysok\u00e9.\u00d8&nbsp; Nepodepisujte smlouvudo t\u00e9 doby, pokud ji \u0159\u00e1dn\u011b neporozum\u00edte. \u010cemu nebudete rozum\u011bt, nechte si vysv\u011btlit.\u00d8&nbsp; V&nbsp;p\u0159\u00edpad\u011b, \u017ee budete cht\u00edtzastavenou nemovitost pronajmout,dop\u0159edu se s&nbsp;bankou domluvte.\u00d8&nbsp; Zkuste se p\u0159edem s&nbsp;bankou domluvit na tom, \u017ee si nep\u0159ejete z\u0159\u00edzen\u00ed z\u00e1kazu zcizen\u00ed nebozat\u00ed\u017een\u00ed formou v\u011bcn\u00e9ho pr\u00e1va. To jez\u00e1pis do listu vlastnictv\u00ed. I kdy\u017e v\u00e1m banka nevyhov\u00ed, je d\u016fle\u017eit\u00e9, aby o tom byla banka informov\u00e1na je\u0161t\u011b p\u0159ed podpisem smlouvy..Na na\u0161em trhu je tak velk\u00e9 mno\u017estv\u00ed reklam bank i nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 l\u00e1kaj\u00ed na n\u00edzk\u00e9 hypote\u010dn\u00ed \u00fav\u011bry, \u017ee je d\u016fle\u017eit\u00e9 nic neusp\u011bchat, porovnat si nab\u00eddky, a\u017e pak se rozhodnout pro nab\u00eddku banky, kter\u00e1 v\u00e1m bude nejv\u00edce vyhovovat.                                                                                                                                                                                                                                                                                                                                                                                                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