[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/johur.cz\/sen-o-vlastnim-bydleni\/#Article","mainEntityOfPage":"https:\/\/johur.cz\/sen-o-vlastnim-bydleni\/","headline":"Sen o vlastn\u00edm bydlen\u00ed","name":"Sen o vlastn\u00edm bydlen\u00ed","description":"Kdo by netou\u017eil po vlastn\u00edm bydlen\u00ed, kde by kone\u010dn\u011b byl sv\u00fdm vlastn\u00edm p\u00e1nem? Pokud i vy se poohl\u00ed\u017e\u00edte po stavebn\u00ed parcele a pomalu p\u0159em\u00fd\u0161l\u00edte, kde vz\u00edt pot\u0159ebn\u00fd obnos pen\u011bz, jist\u011b v\u00e1s napadne hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed. Ten je prim\u00e1rn\u011b ur\u010den pr\u00e1v\u011b k realizaci vlastn\u00edho bydlen\u00ed a jedn\u00e1 se o jeden z nejv\u00edce vyu\u017e\u00edvan\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Hypot\u00e9ka na rekrea\u010dn\u00ed objekt, \u010di … ","datePublished":"2021-05-07","dateModified":"2021-05-07","author":{"@type":"Person","@id":"https:\/\/johur.cz\/author\/#Person","name":"","url":"https:\/\/johur.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"johur.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/johur.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_1.jpg","url":"https:\/\/johur.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/johur.cz\/sen-o-vlastnim-bydleni\/","about":["Web"],"wordCount":396,"articleBody":"       Kdo by netou\u017eil po vlastn\u00edm bydlen\u00ed, kde by kone\u010dn\u011b byl sv\u00fdm vlastn\u00edm p\u00e1nem? Pokud i vy se poohl\u00ed\u017e\u00edte po stavebn\u00ed parcele a pomalu p\u0159em\u00fd\u0161l\u00edte, kde vz\u00edt pot\u0159ebn\u00fd obnos pen\u011bz, jist\u011b v\u00e1s napadne hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed. Ten je prim\u00e1rn\u011b ur\u010den pr\u00e1v\u011b k realizaci vlastn\u00edho bydlen\u00ed a jedn\u00e1 se o jeden z nejv\u00edce vyu\u017e\u00edvan\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Hypot\u00e9ka na rekrea\u010dn\u00ed objekt, \u010di objekt k trval\u00e9mu u\u017e\u00edv\u00e1n\u00ed je mo\u017en\u00e9 financovat stejnou hypot\u00e9kou. Je v\u0161ak zapot\u0159eb\u00ed splnit z\u00e1konn\u00e9 podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bru.Je\u0161t\u011b doned\u00e1vna bylo mo\u017en\u00e9 \u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ky na nemovitost, podm\u00ednky se ale na konci roku 2018 v\u00fdrazn\u011b zp\u0159\u00edsnily. V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 \u017e\u00e1dat jen o 70% a zbyl\u00fdch 30% mus\u00ed poch\u00e1zet z vlastn\u00edch zdroj\u016f. V praxi to znamen\u00e1 jedin\u00e9, pokud se rozhodnete koupit nemovitost v hodnot\u011b 3 000 000 korun, 900 000 u\u017e mus\u00edte m\u00edt na\u0161et\u0159eno. Tato z\u00e1sadn\u00ed zm\u011bna v legislativ\u011b do zna\u010dn\u00e9 m\u00edry ovlivnila hypote\u010dn\u00ed \u00fav\u011bry. Jen mal\u00e9 procento lid\u00ed je schopno tuto pot\u0159ebnou \u010d\u00e1stku na\u0161et\u0159it a proto rad\u011bji s\u00e1hne po spot\u0159ebitelsk\u00e9m \u00fav\u011bru, d\u00edky n\u011bmu\u017e m\u016f\u017ee tuto \u010d\u00e1stku zafinancovat. Hypot\u00e9ka nen\u00ed pro ka\u017ed\u00e9hoHypote\u010dn\u00ed \u00fav\u011br rozhodn\u011b nepad\u00e1 ka\u017ed\u00e9mu do kl\u00edna, jak se mo\u017en\u00e1 mnoz\u00ed myln\u011b domn\u00edvaj\u00ed. \u010cesk\u00e1 n\u00e1rodn\u00ed banka pravideln\u011b upravuje z\u00e1konn\u00e9 podm\u00ednky a dal\u0161\u00ed p\u0159id\u00e1vaj\u00ed samotn\u00ed v\u011b\u0159itel\u00e9. Vyhov\u011bt tak ve\u0161ker\u00fdm podm\u00ednk\u00e1m pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru m\u016f\u017ee b\u00fdt p\u0159inejmen\u0161\u00edm n\u00e1ro\u010dn\u00e9. Z\u00e1stava nemovitosti je dal\u0161\u00ed podm\u00ednkou, kterou bankovn\u00ed i nebankovn\u00ed instituce vy\u017eaduj\u00ed. Pr\u00e1v\u011b d\u00edky n\u00ed toti\u017e z\u00edsk\u00e1me v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu, nebo\u0165 pro poskytovatele \u00fav\u011br\u016f nep\u0159edstavujeme takov\u00e9 riziko. V p\u0159\u00edpad\u011b, kdy v\u0161ak nejme schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016f v\u016f\u010di v\u011b\u0159iteli, m\u016f\u017ee kdykoliv p\u0159istoupit k prodeji zastav\u011bn\u00e9 nemovitosti za zlomek ceny. Hypote\u010dn\u00ed \u00fav\u011br se d\u00e1 v\u0161ak pojistit proti finan\u010dn\u00edmu \u00fapadku, neschopnosti spl\u00e1cet, \u00famrt\u00ed atd.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sen o vlastn\u00edm bydlen\u00ed","item":"https:\/\/johur.cz\/sen-o-vlastnim-bydleni\/#breadcrumbitem"}]}]