[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pul-rocni-maraton-po-uradech\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pul-rocni-maraton-po-uradech\/","headline":"P\u016fl ro\u010dn\u00ed maraton po \u00fa\u0159adech","name":"P\u016fl ro\u010dn\u00ed maraton po \u00fa\u0159adech","description":"Nechci v\u00e1s stra\u0161it, ale je lep\u0161\u00ed po\u010d\u00edtat s tou hor\u0161\u00ed variantou a b\u00fdt p\u0159ipraven\u00fd na realitu ve sv\u011bt\u011b hypot\u00e9k, rozhodn\u011b m\u00edt n\u011bjak\u00e9 pen\u00edze v des\u00edtk\u00e1ch tis\u00edc v z\u00e1loze na r\u016fzn\u00e9 poplatky a obrnit se velkou trp\u011blivost\u00ed. Pot\u00e9 co si banku vyberete, bude n\u00e1sledovat prvn\u00ed n\u00e1v\u0161t\u011bv, na kter\u00e9 se dozv\u00edte, jak\u00e9 doklady si mus\u00edte p\u0159ipravit a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pul-rocni-maraton-po-uradech\/\"> <span class=\"screen-reader-text\">P\u016fl ro\u010dn\u00ed maraton po \u00fa\u0159adech<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-09-18","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}},"url":"https:\/\/www.zerba.cz\/pul-rocni-maraton-po-uradech\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":731,"articleBody":"\tNechci v\u00e1s stra\u0161it, ale je lep\u0161\u00ed po\u010d\u00edtat s tou hor\u0161\u00ed variantou a b\u00fdt p\u0159ipraven\u00fd na realitu ve sv\u011bt\u011b hypot\u00e9k, rozhodn\u011b m\u00edt n\u011bjak\u00e9 pen\u00edze v des\u00edtk\u00e1ch tis\u00edc v z\u00e1loze na r\u016fzn\u00e9 poplatky a obrnit se velkou trp\u011blivost\u00ed. Pot\u00e9 co si banku vyberete, bude n\u00e1sledovat prvn\u00ed n\u00e1v\u0161t\u011bv, na kter\u00e9 se dozv\u00edte, jak\u00e9 doklady si mus\u00edte p\u0159ipravit a v\u011b\u0159te, \u017ee jich bude opravdu mnoho! U n\u011bkter\u00fdch to budou origin\u00e1ly, u jin\u00fdch not\u00e1\u0159sky ov\u011b\u0159en\u00e9 kopie, proto si rad\u011bji v\u0161e d\u016fkladn\u011b zapisujte a pozorn\u011b poslouchejte. U\u0161et\u0159\u00edte si t\u00edm v\u00e1\u0161 budouc\u00ed \u010das.\t&nbsp;\t\ue00a&nbsp;&nbsp;&nbsp;&nbsp; Prvn\u00ed co bude banku zaj\u00edmat je v\u00e1\u0161 p\u0159\u00edjem, zda je dostate\u010dn\u00fd. P\u0159\u00edpadn\u011b p\u0159\u00edjem dal\u0161\u00edch \u010dlen\u016f rodiny, zpravidla hlavn\u011b partnera. V souvislosti s t\u00edm, budete muset tak\u00e9 hovo\u0159it o sv\u00fdch z\u00e1vazc\u00edch, proto\u017ee ty se mus\u00ed ode\u010d\u00edtat. Po ode\u010dten\u00ed v\u0161ech nutn\u00fdch v\u00fddaj\u016f, v\u00e1m toti\u017e mus\u00ed zb\u00fdt minim\u00e1ln\u011b 1,2 n\u00e1sobek \u017eivotn\u00edho minima. Ov\u0161em tohle nen\u00ed dogma, ka\u017ed\u00e1 banka m\u00e1 trochu jin\u00fd po\u017eadavek.\t\ue00a&nbsp;&nbsp;&nbsp; P\u0159ipravte se na to, \u017ee budete muset dolo\u017eit p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed a to v\u011bt\u0161inou za posledn\u00ed p\u016flrok, ale m\u016f\u017ee se v\u00e1m klidn\u011b st\u00e1t, \u017ee v\u00e1mi vybran\u00e1 banka bude po\u017eadovat potvrzen\u00ed klidn\u011b i za p\u0159ede\u0161l\u00e9 roky dva. Pokud si bere hypot\u00e9ku podnikatel, bude zapot\u0159eb\u00ed dvou minul\u00fdch da\u0148ov\u00fdch p\u0159izn\u00e1n\u00ed. Z\u00e1kladem je p\u0159edlo\u017een\u00ed p\u0159\u00edjm\u016f a v\u00fddaj\u016f.\tP\u0159\u00edjmyZam\u011bstnanec:a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; pr\u016fm\u011brn\u00fd p\u0159\u00edjemb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; pr\u016fkaz toto\u017enostic)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; mzdov\u00fd list nebo v\u00fdplatn\u00ed p\u00e1sky na obdob\u00ed, kter\u00e9 banka po\u017eadujed)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ostatn\u00ed p\u0159\u00edjmy&nbsp;Podnikatel:a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u017eivnostensk\u00fd listb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; pr\u016fkaz toto\u017enostic)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; dolo\u017een\u00ed, \u017ee spl\u00e1c\u00ed zdravotn\u00ed poji\u0161\u0165ovn\u011b a spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00edd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; p\u0159izn\u00e1n\u00ed za posledn\u00ed dva rokye)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; dal\u0161\u00ed p\u0159\u00edjmy, nap\u0159\u00edklad z cenn\u00fdch pap\u00edr\u016ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; pokud m\u00e1 p\u0159\u00edjmy z pron\u00e1jm\u016f, tak n\u00e1jemn\u00ed smlouvu a vlastnick\u00fd list\tV\u00fddajeg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; smlouva o p\u0159\u00edpadn\u00e9m dal\u0161\u00edm \u00fav\u011bru nebo p\u016fj\u010dceh)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; doklad o stavebn\u00edm nebo penzijn\u00edm poji\u0161t\u011bn\u00edi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; doklad o v\u0161ech pojistn\u00fdch smlouv\u00e1chj)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; doklad o dal\u0161\u00edch p\u0159\u00edpadn\u00fdch platb\u00e1ch, nap\u0159\u00edklad o placen\u00ed v\u00fd\u017eivn\u00e9ho apod.&nbsp;N\u00e1sleduj\u00ed pak dal\u0161\u00ed doklady souvisej\u00edc\u00ed s nemovitost, kter\u00e9 je pot\u0159eba odlo\u017eit. Ne\u017e se ale vyd\u00e1te do banky, v\u00fd\u0161e uveden\u00e9 u\u017e m\u016f\u017eete m\u00edt p\u0159ipraven\u00e9 a pak se \u0159\u00eddit pokyny ka\u017ed\u00e9 konkr\u00e9tn\u00ed banky. P\u0159eji v\u00e1m nejen starosti, ale tak\u00e9 radost z vlastn\u00edho bydlen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fl ro\u010dn\u00ed maraton po \u00fa\u0159adech","item":"https:\/\/www.zerba.cz\/pul-rocni-maraton-po-uradech\/#breadcrumbitem"}]}]