[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/stoprocentni-hypoteka-je-jiz-minulosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/stoprocentni-hypoteka-je-jiz-minulosti\/","headline":"Stoprocentn\u00ed hypot\u00e9ka je ji\u017e minulost\u00ed","name":"Stoprocentn\u00ed hypot\u00e9ka je ji\u017e minulost\u00ed","description":"Od roku 2016, tedy konkr\u00e9tn\u011b od \u0159\u00edjna, plat\u00ed na z\u00e1klad\u011b novely, \u017ee banky neposkytuj\u00ed stoprocentn\u00ed hypot\u00e9ky. Mus\u00edte m\u00edt k dispozici minim\u00e1ln\u011b 10 procent? Ano.To znamen\u00e1, \u017ee pokud uva\u017eujete o hypot\u00e9ce, mus\u00edte m\u00edt v tuto chv\u00edli na\u0161et\u0159eno minim\u00e1ln\u011b deset procent ze z\u00e1stavn\u00ed hodnoty nemovitosti. A to je je\u0161t\u011b opravdu ta nejmen\u0161\u00ed \u010d\u00e1stka a banky mohou poskytovat &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/stoprocentni-hypoteka-je-jiz-minulosti\/\"> <span class=\"screen-reader-text\">Stoprocentn\u00ed hypot\u00e9ka je ji\u017e minulost\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-05","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_a294122_w1998_t1506027109.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294122_w1998_t1506027109.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/stoprocentni-hypoteka-je-jiz-minulosti\/","about":["Hypot\u00e9ky"],"wordCount":458,"articleBody":"Od roku 2016, tedy konkr\u00e9tn\u011b od \u0159\u00edjna, plat\u00ed na z\u00e1klad\u011b novely, \u017ee banky neposkytuj\u00ed stoprocentn\u00ed hypot\u00e9ky. Mus\u00edte m\u00edt k dispozici minim\u00e1ln\u011b 10 procent?Ano.To znamen\u00e1, \u017ee pokud uva\u017eujete o hypot\u00e9ce, mus\u00edte m\u00edt v tuto chv\u00edli na\u0161et\u0159eno minim\u00e1ln\u011b deset procent ze z\u00e1stavn\u00ed hodnoty nemovitosti. A to je je\u0161t\u011b opravdu ta nejmen\u0161\u00ed \u010d\u00e1stka a banky mohou poskytovat hypot\u00e9ky, kdy m\u00e1te k ruce deset procent jen mal\u00e9 \u010d\u00e1sti poskytovan\u00fdch \u00fav\u011br\u016f a hypot\u00e9k.Mus\u00edte m\u00edt na\u0161et\u0159eno vylo\u017een\u011b v hotovosti \u010di na \u00fa\u010dtu?Ne.Nemus\u00edte. Pokud \u017e\u00e1d\u00e1te o hypot\u00e9ku, nemus\u00edte m\u00edt pen\u00edze fyzicky k dispozici a ani je nemus\u00edte m\u00edt na\u0161et\u0159eny na \u00fa\u010dtu. I kdy\u017e je to ta nejlep\u0161\u00ed variantou. Druhou mo\u017enost\u00ed, jak z\u00edskat t\u011bchto minim\u00e1ln\u011b deset procent, doporu\u010dujeme tedy dvacet, je, \u017ee si vezmete \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed \u010di jin\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br nebo bez\u00fa\u010delovou p\u016fj\u010dku.Zvy\u0161uj\u00ed se t\u00edm v\u00fddaje?Ano.Va\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fddaje se pak zv\u00fd\u0161\u00ed o spl\u00e1tku tohoto \u00fav\u011bru. Tedy v moment\u011b, kdy banka bude zad\u00e1vat do sv\u00fdch kalkula\u010dek v\u00e1\u0161 p\u0159\u00edpad, zda tedy, \u017ee m\u00e1te k dispozici n\u011bjak\u00fdch t\u011bch deset procent z celkov\u00e9 z\u00e1stavn\u00ed hodnoty nemovitosti, \u017ee m\u00e1te tedy takov\u00e9 a makov\u00e9 p\u0159\u00edjmy a krom\u011b dal\u0161\u00edch v\u00fddaj\u016f, kter\u00e9 jste dokl\u00e1dali, v\u00e1m je\u0161t\u011b nav\u00fd\u0161\u00ed tyto v\u00fddaje o m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku tohoto \u00fav\u011bru.Bude \u0159e\u0161en\u00edm hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f?Ne.Pravd\u011bpodobn\u011b v\u00e1m nyn\u00ed ji\u017e takovou mo\u017enost v bance ani nenab\u00eddnou. V souvislosti s novelou o spot\u0159ebitelsk\u00fdch \u00fav\u011brech z prosince 2016 banky p\u0159estaly tuto mo\u017enost nab\u00edzet. Pokud u\u017e by v\u00e1m ji nab\u00eddli, pravd\u011bpodobn\u00e1 v\u00fd\u0161e \u00farokov\u00e9 sazby na va\u0161\u00ed hypot\u00e9ce pak bude kolem \u010dty\u0159i procent, co\u017e je dvojn\u00e1sobek aktu\u00e1ln\u00edch v\u00fd\u0161\u00ed sazeb. Ke v\u0161emu by v\u00e1m pak ale pravd\u011bpodobn\u011b nesta\u010dilo ani t\u011bch va\u0161ich dvacet procent, ale banka, kter\u00e1 by v\u00e1m tento hypot\u00e9\u010dn\u00ed \u00fav\u011br nab\u00edzela, by po v\u00e1s cht\u011bla kolem pades\u00e1ti procent.Jste-li mlad\u00fdm \u010dten\u00e1\u0159em kolem dvaceti let, v\u011bzte, \u017ee ji\u017e v tuto chv\u00edli byste si na vlastn\u00ed bydlen\u00ed m\u011bli za\u010d\u00edt spo\u0159it, proto\u017ee kolem t\u0159iceti let i na v\u00e1s p\u0159ijde touha bydlet samostatn\u011b a ve sv\u00e9m a tedy bude dob\u0159e, kdy\u017e budete m\u00edt na\u0161et\u0159eny n\u011bjak\u00e9 \u00faspory                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stoprocentn\u00ed hypot\u00e9ka je ji\u017e minulost\u00ed","item":"https:\/\/www.zerba.cz\/stoprocentni-hypoteka-je-jiz-minulosti\/#breadcrumbitem"}]}]