[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/stavebni-sporeni-a-uver-spolu-souvisi-ano\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/stavebni-sporeni-a-uver-spolu-souvisi-ano\/","headline":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011br spolu souvis\u00ed? Ano!","name":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011br spolu souvis\u00ed? Ano!","description":"Pokud si pot\u0159ebujete p\u016fj\u010dit na bydlen\u00ed a nen\u00ed to velk\u00e1 \u010d\u00e1stka, tedy pot\u0159ebujete t\u0159eba na rekonstrukci, dostavbu \u010di p\u0159\u00edstavbu a bylo by zcela zbyte\u010dn\u00e9 br\u00e1t si hypot\u00e9ku a nebo ani takovou v\u00fd\u0161i, kter\u00e1 lze hypot\u00e9kou poskytnout, nepot\u0159ebujete, m\u016f\u017eete vyu\u017e\u00edt pr\u00e1v\u011b tyto \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed. V\u00fdhodou je, \u017ee nemus\u00edte ru\u010dit nemovitost\u00ed, co\u017e ka\u017ed\u00e9mu z n\u00e1s …

Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011br spolu souvis\u00ed? Ano!<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-07-25","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_a294446_w1990_t1506372116.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294446_w1990_t1506372116.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/stavebni-sporeni-a-uver-spolu-souvisi-ano\/","about":["P\u016fj\u010dky"],"wordCount":464,"articleBody":"\tPokud si pot\u0159ebujete p\u016fj\u010dit na bydlen\u00ed a nen\u00ed to velk\u00e1 \u010d\u00e1stka, tedy pot\u0159ebujete t\u0159eba na rekonstrukci, dostavbu \u010di p\u0159\u00edstavbu a bylo by zcela zbyte\u010dn\u00e9 br\u00e1t si hypot\u00e9ku a nebo ani takovou v\u00fd\u0161i, kter\u00e1 lze hypot\u00e9kou poskytnout, nepot\u0159ebujete, m\u016f\u017eete vyu\u017e\u00edt pr\u00e1v\u011b tyto \u00fav\u011bry ze stavebn\u00edho spo\u0159en\u00ed.\t\tV\u00fdhodou je, \u017ee nemus\u00edte ru\u010dit nemovitost\u00ed, co\u017e ka\u017ed\u00e9mu z n\u00e1s m\u016f\u017ee d\u011blat tro\u0161ku vr\u00e1sky. Ur\u010dit\u011b si p\u0159i v\u011bt\u0161\u00edch \u010d\u00e1stk\u00e1ch ale v\u017edy ov\u011b\u0159te, jestli j\u00edt do \u00fav\u011bru ze spo\u0159en\u00ed a nebo do hypot\u00e9ky. Ne v\u017edy mohou b\u00fdt nab\u00eddky stejn\u011b v\u00fdhodn\u00e9 a tak rad\u011bji pe\u010dliv\u011b vyb\u00edrejte a kontrolujte situaci na trhu.\t \t\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed\t \tAbyste mohli tedy \u010derpat takov\u00fd \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed, ur\u010dit\u011b mus\u00edte splnit n\u011bkolik podm\u00ednek, proto si prom\u00fd\u0161lejte takov\u00e9 z\u00e1le\u017eitosti opravdu s p\u0159edstihem a budoucnost si alespo\u0148 tro\u0161ku pl\u00e1nujte.\tKonkr\u00e9tn\u00ed podm\u00ednky:\t•    Spo\u0159en\u00ed existuje ji\u017e minim\u00e1ln\u011b dva roky\t•    M\u00e1te naspo\u0159eno alespo\u0148 40 nebo 50 procent z c\u00edlov\u00e9 \u010d\u00e1stky\t \tPokud tedy spln\u00edte tyto podm\u00ednky, d\u00e1 se p\u0159edpokl\u00e1dat, \u017ee spo\u0159itelna \u00fav\u011br poskytne, ov\u0161em v\u011bt\u0161inou maxim\u00e1ln\u011b do v\u00fd\u0161e pr\u00e1v\u011b c\u00edlov\u00e9 \u010d\u00e1stky. V\u00fdhodou je, \u017ee \u00farok je po celou dobu spl\u00e1cen\u00ed fixn\u00ed a garantovan\u00fd.\t \tTak\u00e9 myslete na to, \u017ee \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed je \u00fa\u010delov\u00fd a \u00fa\u010delem je tedy rekonstrukce bydlen\u00ed, modernizace \u010di n\u00e1kupu nemovitosti.\tV\u00fdhodou je, \u017ee m\u016f\u017eete tuto p\u016fj\u010dku splatit zcela zdarma.\t \tP\u0159eklenovac\u00ed \u00fav\u011br\t \tPokud nespl\u0148ujete uveden\u00e9 podm\u00ednky o minim\u00e1ln\u00edm trv\u00e1n\u00ed smlouvy a naspo\u0159en\u00e9 \u010d\u00e1stky, m\u016f\u017eete va\u0161eho poskytovatel po\u017e\u00e1dat o takzvan\u00fd tedy p\u0159eklenovac\u00ed \u00fav\u011br. Tady v tomto p\u0159\u00edpad\u011b si nebudete \u010derpat rozd\u00edl mezi naspo\u0159enou \u010d\u00e1stkou a c\u00edlovou \u010d\u00e1stkou, ale celou \u010d\u00e1stku.\tPraxe je pak takov\u00e1, \u017ee d\u00e1l spo\u0159\u00edte do v\u00fd\u0161e c\u00edlov\u00e9 \u010d\u00e1stky, ale tak\u00e9 z\u00e1rove\u0148 pr\u00e1v\u011b spl\u00e1c\u00edte \u00faroky \u00fav\u011bru z cel\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky. Podstatn\u00e9 je, \u017ee dlu\u017enou \u010d\u00e1stku spl\u00e1c\u00edte a\u017e v moment\u011b, kdy dos\u00e1hnete na \u0159\u00e1dn\u00fd \u00fav\u011br ze spo\u0159en\u00ed.\tJe tak\u00e9 pravidlem, \u017ee ro\u010dn\u00ed \u00farokov\u00e1 sazba b\u00fdv\u00e1 vy\u0161\u0161\u00ed ne\u017e u prvn\u00edho p\u0159\u00edpadu. Dal\u0161\u00ed pravidlo, kter\u00e9 v\u00e1s stav\u00ed do nev\u00fdhodn\u00e9 pozice, je, \u017ee nem\u016f\u017eete splatit \u00fav\u011br jen tak a zdarma, ale pravidla jsou p\u0159\u00edsn\u011bj\u0161\u00ed. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00ed spo\u0159en\u00ed a \u00fav\u011br spolu souvis\u00ed? Ano!","item":"https:\/\/www.zerba.cz\/stavebni-sporeni-a-uver-spolu-souvisi-ano\/#breadcrumbitem"}]}]