[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-se-zastavou-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-se-zastavou-nemovitosti\/","headline":"P\u016fj\u010dka a \u00fav\u011br se z\u00e1stavou nemovitosti","name":"P\u016fj\u010dka a \u00fav\u011br se z\u00e1stavou nemovitosti","description":"Vlastn\u00edci nemovitost\u00ed si mohou trochu oddychnout. P\u0159i \u017e\u00e1dosti o p\u016fj\u010dku d\u00edky z\u00e1stav\u011b m\u016f\u017eete snadn\u011bji z\u00edskat p\u016fj\u010dku, a nav\u00edc na hodn\u011b vysok\u00e9 \u010d\u00e1stky. Z\u00e1stava nemovitosti se vyu\u017e\u00edv\u00e1 v&nbsp;p\u0159\u00edpad\u011b, \u017ee si chcete vz\u00edt hypot\u00e9ku, ta je spjat\u00e1 v\u017edy se z\u00e1stavou nemovitosti, ale tak\u00e9 v&nbsp;p\u0159\u00edpad\u011b, \u017ee si chcete vz\u00edt vysok\u00fd \u00fav\u011br, nap\u0159\u00edklad n\u011bkolik stovek tis\u00edc \u010di milion nebo &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-se-zastavou-nemovitosti\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br se z\u00e1stavou nemovitosti<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-02","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}},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-se-zastavou-nemovitosti\/","about":["P\u016fj\u010dky"],"wordCount":429,"articleBody":"Vlastn\u00edci nemovitost\u00ed si mohou trochu oddychnout. P\u0159i \u017e\u00e1dosti o p\u016fj\u010dku d\u00edky z\u00e1stav\u011b m\u016f\u017eete snadn\u011bji z\u00edskat p\u016fj\u010dku, a nav\u00edc na hodn\u011b vysok\u00e9 \u010d\u00e1stky. Z\u00e1stava nemovitosti se vyu\u017e\u00edv\u00e1 v&nbsp;p\u0159\u00edpad\u011b, \u017ee si chcete vz\u00edt hypot\u00e9ku, ta je spjat\u00e1 v\u017edy se z\u00e1stavou nemovitosti, ale tak\u00e9 v&nbsp;p\u0159\u00edpad\u011b, \u017ee si chcete vz\u00edt vysok\u00fd \u00fav\u011br, nap\u0159\u00edklad n\u011bkolik stovek tis\u00edc \u010di milion nebo v\u00edce milion\u016f. Ano, i tyto \u010d\u00e1stky jsou mo\u017en\u00e9, kdy\u017e ru\u010d\u00edte nemovitost\u00ed. Ov\u0161em z\u00e1le\u017e\u00ed na hodnot\u011b Va\u0161\u00ed nemovitosti, kterou budete ru\u010dit. &nbsp;Za nemovitost do ru\u010den\u00ed m\u016f\u017eete d\u00e1t byt, d\u016fm, pozemek, \u010di dal\u0161\u00ed nemovitosti. P\u016fj\u010dky se z\u00e1stavou mohou vyu\u017e\u00edvat b\u011b\u017en\u00ed lid\u00e9, formou spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, ale tak\u00e9 podnikatel\u00e9, formou podnikatelsk\u00e9ho \u00fav\u011bru. P\u016fj\u010dka se z\u00e1stavou nemovitosti m\u016f\u017ee b\u00fdt v&nbsp;p\u0159\u00edpad\u011b nebankovn\u00edch spole\u010dnost\u00ed vy\u0159\u00edzen\u00e1 i b\u011bhem p\u00e1r minut. V\u0161e se d\u00e1 vy\u0159\u00eddit online. \u00dav\u011br se z\u00e1stavou nemovitosti zprost\u0159edkuje i ka\u017ed\u00e1 banka. Nemovitost, kterou vlastn\u00edte, se ohodnot\u00ed a podle podm\u00ednek dan\u00e9 spole\u010dnosti z\u00edsk\u00e1te ur\u010dit\u00e1 procenta nemovitosti jako \u00fav\u011br. N\u011bkter\u00e9 poskytuj\u00ed 70 % z&nbsp;nemovitosti jin\u00e9 nap\u0159\u00edklad a\u017e 90 % z&nbsp;hodnoty nemovitosti. Samoz\u0159ejm\u011b \u017ee \u010d\u00edm vy\u0161\u0161\u00ed procenta, t\u00edm v\u00edc m\u016f\u017eete z\u00edskat. P\u016fj\u010dka se z\u00e1stavou m\u016f\u017ee \u0161plhat a\u017e do milion\u016f.\tRu\u010den\u00ed domem, bytem nebo pozemkemA jak je to s&nbsp;v\u00fd\u0161\u00ed \u00fav\u011bru? Existuj\u00ed samoz\u0159ejm\u011b jist\u00e1 omezen\u00ed. Ka\u017ed\u00e1 spole\u010dnost \u010di banka je uv\u00e1d\u00ed jako podm\u00ednky u sv\u00fdch \u00fav\u011br\u016f. N\u011bkter\u00e9 p\u016fj\u010dky se z\u00e1stavou nemovitosti jsou vy\u0159\u00edzen\u00e9 b\u011bhem jedin\u00e9ho dne, jin\u00e9 m\u016f\u017eete vy\u0159izovat nap\u0159\u00edklad t\u00fdden. Op\u011bt z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed spole\u010dnosti, kter\u00e1 bude \u00fav\u011br poskytovat. Doba splatnosti se pohybuje podle v\u00fd\u0161e \u00fav\u011bru \u010dili si ji m\u016f\u017eete rozpl\u00e1novat. Pokud budete sahat vysoko, po vy\u0161\u0161\u00edch \u010d\u00e1stk\u00e1ch, m\u016f\u017ee se doba splatnosti pohybovat nap\u0159\u00edklad okolo 20 let i v\u00edce, nejsou v\u00fdjimkou ani \u00fav\u011bry se splatnost\u00ed 30 let. Nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nav\u00edc mohou tolerovat z\u00e1znamy v&nbsp;registrech nebo za\u010d\u00ednaj\u00edc\u00ed podnik\u00e1n\u00ed. Podnikatel\u00e9 mohou ru\u010dit r\u016fzn\u00fdmi nemovitostmi, a nav\u00edc tak\u00e9 komer\u010dn\u00edmi objekty, halami a dal\u0161\u00edmi objekty.                                                                                                                                                                                                                                                                                                                                                                                                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