[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oapion.cz\/chcete-si-brat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.oapion.cz\/chcete-si-brat-hypoteku\/","headline":"Chcete si br\u00e1t hypot\u00e9ku?","name":"Chcete si br\u00e1t hypot\u00e9ku?","description":"Bydlen\u00ed, kter\u00e9 si chcete po\u0159\u00eddit z hypot\u00e9ky a p\u0159\u00edpadn\u011b dal\u0161\u00ed spot\u0159ebitelskou p\u016fj\u010dkou, tak nejmoud\u0159ej\u0161\u00ed, co m\u016f\u017eete p\u0159edem ud\u011blat je, \u017ee si v\u0161e dob\u0159e zkalkulujete, p\u0159edem [...]<\/a>","datePublished":"2025-02-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.oapion.cz\/author\/devene\/#Person","name":"oapion.cz","url":"https:\/\/www.oapion.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oapion.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oapion.cz\/wp-content\/uploads\/img_a303890_w1887_t1514667941.jpg","url":"https:\/\/www.oapion.cz\/wp-content\/uploads\/img_a303890_w1887_t1514667941.jpg","height":0,"width":0},"url":"https:\/\/www.oapion.cz\/chcete-si-brat-hypoteku\/","about":["Pen\u00edze"],"wordCount":452,"articleBody":"Bydlen\u00ed, kter\u00e9 si chcete po\u0159\u00eddit z hypot\u00e9ky a p\u0159\u00edpadn\u011b dal\u0161\u00ed spot\u0159ebitelskou p\u016fj\u010dkou, tak nejmoud\u0159ej\u0161\u00ed, co m\u016f\u017eete p\u0159edem ud\u011blat je, \u017ee si v\u0161e dob\u0159e zkalkulujete, p\u0159edem si p\u0159e\u010dt\u011bte si na hypot\u00e9ky r\u016fzn\u00e9 recence, rady, i \u010dl\u00e1nek . P\u0159edev\u0161\u00edm ve va\u0161em z\u00e1jmu je dobr\u00e9 se poradit s finan\u010dn\u00edm poradcem.Ze v\u0161ech stran sly\u0161\u00edte a vid\u00edte reklamy bank a nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nab\u00edzej\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dky a hypote\u010dn\u00ed \u00fav\u011bry. Ale nejen v sou\u010dasn\u00e9 dob\u011b banky si sv\u00e9 klienty vyb\u00edraj\u00ed, a proto\u017ee si sv\u00e9ho klienta d\u016fkladn\u011b prov\u011b\u0159\u00ed, tak se v cen\u011b \u00fav\u011bru neprom\u00edtne riziko nespl\u00e1cen\u00ed. I kdy\u017e nebankovn\u00ed spole\u010dnosti snad p\u016fj\u010d\u00ed komukoliv, jsou jejich n\u00e1klady na \u00fav\u011bry mnohem vy\u0161\u0161\u00ed a v\u00edce rizikov\u00e9. Podle na\u0159\u00edzen\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB) u\u017e od minul\u00e9ho roku banky nenab\u00edzej\u00ed 100% hypot\u00e9ku. T\u00edmto na\u0159\u00edzen\u00edm se nut\u00ed \u017eadatel o hypot\u00e9ku, aby disponoval i sv\u00fdmi vlastn\u00edmi prost\u0159edky. Minim\u00e1ln\u011b 10%. \u00d8 Z toho pro v\u00e1s vypl\u00fdv\u00e1: \u00b7 finan\u010dn\u00ed rezerva, kterou banky vkl\u00e1daj\u00ed do takzvan\u00fdch \u201ev\u00fddaj\u016f klienta\u201c od 10 a\u017e 50 % spl\u00e1tky po\u017eadovan\u00e9ho \u00fav\u011bru. Cht\u011bj\u00ed, aby byl klient schopn\u00fd ze sv\u00e9ho p\u0159\u00edjmu pokr\u00fdt: \u00b7 \u017eivotn\u00ed minimum \u00b7 n\u00e1klady na bydlen\u00ed \u00b7 \u00fav\u011brov\u00e9 i ne\u00fav\u011brov\u00e9 v\u00fddaje = rezerva spl\u00e1tky + poplatky souvisej\u00edc\u00ed s \u00fav\u011brem \u00d8 Va\u0161e mo\u017enosti: \u00b7 m\u00edt sv\u00e9 vlastn\u00ed \u00faspory \u00b7 dofinancovat hypote\u010dn\u00ed \u00fav\u011br z jin\u00e9 p\u016fj\u010dky: \u00b7 ze stavebn\u00edho spo\u0159en\u00ed \u00b7 z \u00fa\u010delov\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru na bydlen\u00ed od jin\u00e9 spole\u010dnosti (to bank\u00e1m \u010cNB nedoporu\u010duje). \u00d8 Na co si d\u00e1t pozor: \u00b7 v\u00fd\u0161i \u00faroku + RPSN \u00b7 d\u00e9lku fixace \u00b7 pokud se o\u010dek\u00e1v\u00e1 r\u016fst \u00farokov\u00fdch sazeb, je lep\u0161\u00ed zv\u00e1\u017eit del\u0161\u00ed dobu fixace \u00b7 pokud se o\u010dek\u00e1v\u00e1 pokles \u00farokov\u00fdch sazeb, zva\u017ete fixaci na krat\u0161\u00ed dobu \u00b7 poplatky za z\u00e1stavu + v\u00fd\u0161e odhadu kupovan\u00e9 nemovitosti \u00b7 poplatky za veden\u00ed \u00fa\u010dtu, poji\u0161t\u011bn\u00ed a jin\u00e9 poplatky (skryt\u00e9) \u00b7 komunikace + sankce ze strany banky \u00b7 mo\u017enost refinancov\u00e1n\u00ed hypot\u00e9ky s lep\u0161\u00edmi podm\u00ednkami \u00b7 p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky \u00b7 v\u00fd\u0161e odhadu kupovan\u00e9 nemovitosti Pamatujte si, \u017ee v p\u0159\u00edpad\u011b, pokud si budete br\u00e1t nebankovn\u00ed \u00fav\u011br, i kdy\u017e se v\u00e1m bude jevit jako nejv\u00fdhodn\u011bj\u0161\u00ed, je pro v\u00e1s nejv\u00edce rizikov\u00fd, pokud u nich budete ru\u010dit hmotn\u00fdm majetkem (byt, d\u016fm, auto, chata\u2026). V\u017edy se zadlu\u017eujte s rozumem. 5\/5 - (3 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete si br\u00e1t hypot\u00e9ku?","item":"https:\/\/www.oapion.cz\/chcete-si-brat-hypoteku\/#breadcrumbitem"}]}]