[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/urokova-sazba-pod-dve-procenta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/urokova-sazba-pod-dve-procenta\/","headline":"\u00darokov\u00e1 sazba pod dv\u011b procenta","name":"\u00darokov\u00e1 sazba pod dv\u011b procenta","description":"Jedna cel\u00e1 osm. Rekord byl p\u0159ekon\u00e1n a vypad\u00e1 to, \u017ee se nahoru nechyst\u00e1, hl\u00e1s\u00ed statistiky s t\u00edm, \u017ee lid\u00e9 si na bydlen\u00ed nej\u010dast\u011bji p\u016fj\u010duj\u00ed kolem dvou mili\u00f3n\u016f korun. Mili\u00f3ny se to jen hem\u017e\u00ed, lid\u00e9 si st\u00e1le v\u00edce p\u016fj\u010duj\u00ed a banky maj\u00ed \u017en\u011b! \u010cesk\u00e1 n\u00e1rodn\u00ed banka varuje Banky jsou tak rozjet\u00e9 a tak &bdquo;nenasytn\u00e9&ldquo;, \u017ee st\u00e1le &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/urokova-sazba-pod-dve-procenta\/\"> <span class=\"screen-reader-text\">\u00darokov\u00e1 sazba pod dv\u011b procenta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-01","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\/urokova-sazba-pod-dve-procenta\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":435,"articleBody":"\tJedna cel\u00e1 osm. Rekord byl p\u0159ekon\u00e1n a vypad\u00e1 to, \u017ee se nahoru nechyst\u00e1, hl\u00e1s\u00ed statistiky s t\u00edm, \u017ee lid\u00e9 si na bydlen\u00ed nej\u010dast\u011bji p\u016fj\u010duj\u00ed kolem dvou mili\u00f3n\u016f korun. Mili\u00f3ny se to jen hem\u017e\u00ed, lid\u00e9 si st\u00e1le v\u00edce p\u016fj\u010duj\u00ed a banky maj\u00ed \u017en\u011b!\t\u010cesk\u00e1 n\u00e1rodn\u00ed banka varujeBanky jsou tak rozjet\u00e9 a tak &bdquo;nenasytn\u00e9&ldquo;, \u017ee st\u00e1le \u010dast\u011bji poskytuj\u00ed i 100% \u00fav\u011bry, na kter\u00e9 mlad\u00e9 rodiny, kter\u00e9 nemaj\u00ed finan\u010dn\u00ed prost\u0159edky, sly\u0161\u00ed. \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159itom varuje, aby poskytov\u00e1n\u00ed t\u011bchto hypot\u00e9k omezily. V\u0161e, co se nyn\u00ed d\u011bje v bank\u00e1ch, m\u016f\u017ee tak\u00e9 souviset s nov\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011brem, jeho\u017e platnost je datov\u00e1na prvn\u00edm prosincem 2016.\tCo se nap\u0159\u00edklad zm\u011bn\u00ed\ue00c&nbsp;&nbsp;&nbsp; Podle odborn\u00edk\u016f naroste administrativn\u00ed z\u00e1t\u011b\u017e kolem sjedn\u00e1v\u00e1n\u00ed hypot\u00e9k. V\u00edce bude ze strany banky br\u00e1n z\u0159etel na va\u0161i finan\u010dn\u00ed situaci, na to, jak spl\u00e1c\u00edte sv\u00e9 p\u0159\u00edpadn\u00e9 dluhy apod. Pokud by tuto sond\u00e1\u017e \u00fa\u0159edn\u00edk (banka) neud\u011blal, hrozilo by, \u017ee se m\u016f\u017eete odvolat na neplatnost smlouvy a to a\u017e do t\u0159\u00ed let od jej\u00edho uzav\u0159en\u00ed.\ue00c&nbsp;&nbsp;&nbsp; O takzvan\u00e9 n\u00e1kladovosti \u00fav\u011br\u016f bude muset banka informovat bez jak\u00fdchkoli skryt\u00fdch \u010d\u00edsel. Vy tak budete moci mnohem l\u00e9pe porovnat v\u0161echny klady a z\u00e1pory mezi jednotliv\u00fdmi bankami. Nav\u00edc se takov\u00e1 nab\u00eddka nesm\u00ed po dobu 14. dn\u016f m\u011bnit.\ue00c&nbsp;&nbsp;&nbsp; Mimo\u0159\u00e1dn\u00e9 spl\u00e1tky \u00fav\u011bru nebo dokonce p\u0159ed\u010dasn\u00e9 splacen\u00ed, bude prob\u00edhat tak\u00e9 v mnohem &bdquo;p\u0159\u00e1tel\u0161t\u011bj\u0161\u00edm&ldquo; duchu. P\u016fjde nap\u0159\u00edklad, po uplynut\u00ed fixace, splatit ka\u017ed\u00fdm rokem, bez jakkoli poplatku a\u017e 25% hypot\u00e9ky. Splatit cel\u00fd \u00fav\u011br p\u016fjde v p\u0159\u00edpad\u011b prodeje, pokud bylas nemovitost s \u00fav\u011brem sv\u00e1z\u00e1na jako z\u00e1stava.\ue00c&nbsp;&nbsp;&nbsp; \u00dav\u011bry poskytnut\u00e9 v ciz\u00ed m\u011bn\u011b se tak\u00e9 do\u010dkaj\u00ed zm\u011bn. Tak\u017ee pozor, pokud pracujete v zahrani\u010d\u00ed nebo pokud \u017eijete v zahrani\u010d\u00ed a chcete si vz\u00edt v \u010cesku nemovitost na hypot\u00e9ku.&nbsp;V podm\u00ednk\u00e1ch jsou samoz\u0159ejm\u011b v\u00fdjimky, ale za ur\u010dit\u00fdch p\u0159edpoklad\u016f. Tohle je jen mal\u00e1 zm\u00ednka o zm\u011bn\u011b z\u00e1kona, kter\u00e1 je pot\u0159eba br\u00e1t jako informativn\u00ed. D\u016fle\u017eit\u00e9 op\u011bt je, se dop\u0159edu, p\u0159ed jak\u00fdmkoli podeps\u00e1n\u00edm \u00fav\u011bru, se v\u0161emi podm\u00ednkami dopodrobna sezn\u00e1mit.&nbsp;&nbsp;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00darokov\u00e1 sazba pod dv\u011b procenta","item":"https:\/\/www.zerba.cz\/urokova-sazba-pod-dve-procenta\/#breadcrumbitem"}]}]