[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pripravte-se-jdeme-pro-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pripravte-se-jdeme-pro-hypoteku\/","headline":"P\u0159ipravte se, jdeme pro hypot\u00e9ku!","name":"P\u0159ipravte se, jdeme pro hypot\u00e9ku!","description":"Ur\u010dit\u011b jste se ji\u017e setkali s n\u011bk\u00fdm, kdo si cht\u011bl koupit nemovitost, a proto\u017ee nem\u011bl dostatek vlastn\u00edch zdroj\u016f, musel po\u017e\u00e1dat o hypot\u00e9ku. Mo\u017en\u00e1 pr\u00e1v\u011b i vy uva\u017eujete o vlastn\u00edm bydlen\u00ed a tak v\u00e1m p\u00e1r informac\u00ed k tomu, co budete pot\u0159ebovat, pom\u016f\u017ee v p\u0159\u00edprav\u00e1ch a hlavn\u011b v tom, u\u010dinit si p\u0159edb\u011b\u017en\u00fd p\u0159ehled o tom, co opravdu &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pripravte-se-jdeme-pro-hypoteku\/\"> <span class=\"screen-reader-text\">P\u0159ipravte se, jdeme pro hypot\u00e9ku!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-15","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_a289968_w1998_t1501521501.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a289968_w1998_t1501521501.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pripravte-se-jdeme-pro-hypoteku\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":824,"articleBody":"Ur\u010dit\u011b jste se ji\u017e setkali s n\u011bk\u00fdm, kdo si cht\u011bl koupit nemovitost, a proto\u017ee nem\u011bl dostatek vlastn\u00edch zdroj\u016f, musel po\u017e\u00e1dat o hypot\u00e9ku. Mo\u017en\u00e1 pr\u00e1v\u011b i vy uva\u017eujete o vlastn\u00edm bydlen\u00ed a tak v\u00e1m p\u00e1r informac\u00ed k tomu, co budete pot\u0159ebovat, pom\u016f\u017ee v p\u0159\u00edprav\u00e1ch a hlavn\u011b v tom, u\u010dinit si p\u0159edb\u011b\u017en\u00fd p\u0159ehled o tom, co opravdu pot\u0159ebujete v\u011bd\u011bt a dokl\u00e1dat.1.&nbsp; V\u00fd\u0161e \u00fav\u011bruV\u00fd\u0161i poskytovan\u00e9ho \u00fav\u011bru si samoz\u0159ejm\u011b nem\u016f\u017eete zvolit libovoln\u011b. Je zapot\u0159eb\u00ed samoz\u0159ejm\u011b v\u011bd\u011bt, kolik za danou nemovitost budete platit prodejci. Nen\u00ed mo\u017en\u00e9 cht\u00edt koupit byt za milion korun a v podstat\u011b bezd\u016fvodn\u011b cht\u00edt po bance milion a p\u016fl.2.&nbsp; Hodnota nemovitostiHodnotu dan\u00e9 nemovitosti neur\u010dujete vy sami. Samoz\u0159ejm\u011b odhad prodejce by m\u011bl vych\u00e1zet z nab\u00eddky, popt\u00e1vky, standard\u016f v dan\u00e9 oblasti a stavu nemovitosti. Rozhoduj\u00edc\u00ed potom je ale odborn\u00fd odhad, kter\u00fd zajist\u00ed profesion\u00e1ln\u00ed odhadce nemovitost\u00ed. Podle toho pak banka uva\u017euje a schvaluje v\u00fd\u0161i poskytnut\u00e9ho \u00fav\u011bru.3.&nbsp; D\u00e9lka fixacePokud u\u017e se pro hypot\u00e9ku rozhodnete, je pot\u0159eba zv\u00e1\u017eit tak\u00e9 dobu fixace. To znamen\u00e1 dobu, po kterou se nezm\u011bn\u00ed \u00faroky na va\u0161\u00ed hypot\u00e9ce. Za ur\u010dit\u00fdch okolnost\u00ed se m\u016f\u017ee zd\u00e1t, \u017ee ide\u00e1ln\u00ed d\u00e9lka fixace je p\u011bt let, proto\u017ee po tu dobu m\u00e1te garantov\u00e1no, \u017ee se \u00faroky nezm\u011bn\u00ed. Nicm\u00e9n\u011b druhou stranou mince je, \u017ee po t\u0159ech letech m\u016f\u017ee b\u00fdt \u00farokov\u00e1 sazba tak\u00e9 ni\u017e\u0161\u00ed, ne\u017e jste m\u011bli sjednanou p\u016fvodn\u011b.4.&nbsp; D\u00e9lka spl\u00e1cen\u00edJak dlouho chcete \u00fav\u011br spl\u00e1cet? To je pom\u011brn\u011b z\u00e1sadn\u00ed ot\u00e1zka. Samoz\u0159ejm\u011b poskytovatel v\u017edy bude cht\u00edt \u00faroky, proto\u017ee z toho je fakticky \u017eiv. Pokud tedy zvol\u00edte dlouhou dobu spl\u00e1cen\u00ed, budete m\u00edt spl\u00e1tky nav\u00fd\u0161en\u00e9 o men\u0161\u00ed \u010d\u00e1stku na \u00fav\u011bru, proto\u017ee se \u00faroky rozlo\u017e\u00ed na dlouhou dobu. Pokud v\u0161ak budete cht\u00edt spl\u00e1cet \u00fav\u011br kr\u00e1tkou dobu, dejme tomu deset let, m\u016f\u017ee se st\u00e1t, \u017ee spl\u00e1tka bude vysok\u00e1 nejen kv\u016fli kr\u00e1tk\u00e9 dob\u011b, ale tak\u00e9 kv\u016fli \u00farok\u016fm, kter\u00e9 banka tak jako tak z hypot\u00e9ky pot\u0159ebuje z\u00edskat, a\u0165 ji spl\u00e1c\u00edte dlouho \u010di kr\u00e1tce.5.&nbsp; Vlastn\u00ed \u00fasporyNov\u011b by banky nem\u011bly poskytovat \u00fav\u011bry na celou hodnotu nemovitosti. \u010clov\u011bk by m\u011bl m\u00edt naspo\u0159eno alespo\u0148 deset procent z celkov\u00e9 \u010d\u00e1stky, aby bance prok\u00e1zal, \u017ee opravdu je schopn\u00fd a v\u017edy za ka\u017ed\u00fdch okolnost\u00ed schopn\u00fd bude, spl\u00e1cet \u00fav\u011br.6.&nbsp; V\u00e1\u0161 hrub\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemNezapome\u0148te, \u017ee jednou z d\u016fle\u017eit\u00fdch polo\u017eek p\u0159i \u017e\u00e1dosti o \u00fav\u011br je tak\u00e9 v\u00fd\u0161e va\u0161ich p\u0159\u00edjm\u016f. Nenechte se zm\u00e1st. M\u016f\u017eete podnikat a pom\u011brn\u011b \u00fasp\u011b\u0161n\u011b, ale pokud nejste zam\u011bstnan\u00ed na dobu neur\u010ditou, budete m\u00edt velmi obt\u00ed\u017en\u00e9 dos\u00e1hnout na schv\u00e1len\u00ed hypot\u00e9ky.7.&nbsp; V\u00e1\u0161 v\u011bkV\u011bk je dal\u0161\u00edm rozhoduj\u00edc\u00edm faktorem, kter\u00fd ovliv\u0148uje schv\u00e1len\u00ed hypot\u00e9ky. Pokud m\u00e1te p\u0159ed d\u016fchodem, m\u016f\u017eete se pravd\u011bpodobn\u011b s hypot\u00e9kou rozlou\u010dit.8.&nbsp; V\u00fd\u0161e spl\u00e1tek jin\u00fdch \u00fav\u011br\u016fBanka, kter\u00e1 by v\u00e1m hypot\u00e9ku m\u011bla schv\u00e1lit, si tak\u00e9 projde ostatn\u00ed bankovn\u00ed a nebankovn\u00ed rejst\u0159\u00edky, aby zjistila, zda m\u00e1te jin\u00e9 \u00fav\u011bry. Pokud ano, bude t\u0159eba dolo\u017eit v\u00fd\u0161i spl\u00e1tek. Pokud ne, banka si tak\u00e9 prov\u011b\u0159\u00ed historii a to, jak jste k ostatn\u00edm d\u0159\u00edv\u011bj\u0161\u00edm \u00fav\u011br\u016fm p\u0159istupovali. Ostatn\u011b to ud\u011bl\u00e1 v\u017edy.9.&nbsp; Celkov\u00fd po\u010det osob v dom\u00e1cnostiSchv\u00e1len\u00ed hypot\u00e9ky z\u00e1vis\u00ed tak\u00e9 na tom, zda jste na financov\u00e1n\u00ed hypot\u00e9ky sami nebo m\u00e1te vedle sebe man\u017eela \u010di man\u017eelku. Pokud jste sami a m\u00e1te-li k tomu d\u00edt\u011b a v\u00e1\u0161 p\u0159\u00edjem nen\u00ed nadstandardn\u011b vysok\u00fd, na hypot\u00e9ku pravd\u011bpodobn\u011b nedos\u00e1hnete, i kdybyste byly spo\u0159iv\u00ed a spolehliv\u00ed lid\u00e9.10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P\u0159\u00edjem partneraV\u00fdhodou v\u00e1m m\u016f\u017ee b\u00fdt, pokud s v\u00e1mi v dom\u00e1cnosti \u017eije partner, man\u017eel \u010di rodi\u010d, kte\u0159\u00ed jsou ekonomicky aktivn\u00edmi jedinci. Pak se dolo\u017e\u00ed p\u0159\u00edjmy t\u011bchto osob a oni se st\u00e1vaj\u00ed s v\u00e1mi \u017eadateli o \u00fav\u011br a je op\u011bt v\u011bt\u0161\u00ed pravd\u011bpodobnost, \u017ee hypot\u00e9ky dos\u00e1hnete.Nen\u00ed to jednoduch\u00e9, ale pokud pat\u0159\u00edte mezi slu\u0161n\u00e9 a pracuj\u00edc\u00ed lidi, ur\u010dit\u011b najdete cestu, jak hypot\u00e9ku z\u00edskat a splnit v\u0161echny po\u017eadavky banky.                                                                                                                                                                                                                                                                                                                                                                                                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