[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/allcb.cz\/sen-o-vlastnim-bydleni-muze-pomoci-splnit-hypoteka\/#Article","mainEntityOfPage":"https:\/\/allcb.cz\/sen-o-vlastnim-bydleni-muze-pomoci-splnit-hypoteka\/","headline":"Sen o vlastn\u00edm bydlen\u00ed m\u016f\u017ee pomoci splnit hypot\u00e9ka","name":"Sen o vlastn\u00edm bydlen\u00ed m\u016f\u017ee pomoci splnit hypot\u00e9ka","description":"Nen\u00ed tomu tak d\u00e1vno, kdy bylo mo\u017en\u00e9 \u010derpat cel\u00fdch 100% hypot\u00e9ky. Ov\u0161em podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed se neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a po novele z konce roku 2018, u\u017e to tak jednoduch\u00e9 nen\u00ed. V sou\u010dasnosti je mo\u017en\u00e9 \u017e\u00e1dat pouze o 70% hypot\u00e9ky, zbyl\u00fdch 30% mus\u00ed \u017eadatel zaplatit z vlastn\u00edch \u00faspor. V praxi to znamen\u00e1 jedin\u00e9, pokud budete […]","datePublished":"2021-05-30","dateModified":"2021-05-30","author":{"@type":"Person","@id":"https:\/\/allcb.cz\/author\/#Person","name":"","url":"https:\/\/allcb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"allcb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/allcb.cz\/wp-content\/uploads\/r%C5%AF%C5%BEov%C3%A1%20pokladni%C4%8Dka_2.jpg","url":"https:\/\/allcb.cz\/wp-content\/uploads\/r%C5%AF%C5%BEov%C3%A1%20pokladni%C4%8Dka_2.jpg","height":0,"width":0},"url":"https:\/\/allcb.cz\/sen-o-vlastnim-bydleni-muze-pomoci-splnit-hypoteka\/","about":["Online"],"wordCount":409,"articleBody":"       Nen\u00ed tomu tak d\u00e1vno, kdy bylo mo\u017en\u00e9 \u010derpat cel\u00fdch 100% hypot\u00e9ky. Ov\u0161em podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed se neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a po novele z konce roku 2018, u\u017e to tak jednoduch\u00e9 nen\u00ed. V sou\u010dasnosti je mo\u017en\u00e9 \u017e\u00e1dat pouze o 70% hypot\u00e9ky, zbyl\u00fdch 30% mus\u00ed \u017eadatel zaplatit z vlastn\u00edch \u00faspor. V praxi to znamen\u00e1 jedin\u00e9, pokud budete \u017e\u00e1dat o hypot\u00e9ku ve v\u00fd\u0161i 3 000 000 korun, 900 000 mus\u00edte m\u00edt na\u0161et\u0159eno p\u0159edem. S touto podm\u00ednkou v\u0161ak m\u00e1 \u0159ada lid\u00ed probl\u00e9m a proto \u0159e\u0161\u00ed, tuto pot\u0159ebnou sumu dal\u0161\u00edm spot\u0159ebitelsk\u00fdm \u00fav\u011brem. Jsou tu ale i dal\u0161\u00ed podm\u00ednky, kter\u00e9 je pot\u0159eba br\u00e1t v potaz. Ty z\u00e1kladn\u00ed spravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, jednotliv\u00fd poskytovatel\u00e9 \u00fav\u011br\u016f si pak mohou je\u0161t\u011b p\u0159idat vlastn\u00ed tak, aby m\u011bly co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed jistotu, \u017ee poskytnut\u00fd obnos pen\u011bz z\u00edskaj\u00ed od dlu\u017en\u00edka nazp\u011bt. Jak\u00e9 jsou tedy podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru? P\u0159\u00edjemAby bylo mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten m\u016f\u017ee poch\u00e1zet ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, podnik\u00e1n\u00ed nebo t\u0159eba z pron\u00e1jmu nemovitosti. Z p\u0159\u00edjm\u016f a v\u00fddaj\u016f banka vytvo\u0159\u00ed m\u011bs\u00ed\u010dn\u00ed bilanci, podle kter\u00e9 snadno ur\u010d\u00ed, zda je \u017eadatel schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di bance m\u011bl. Krom klasick\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f na bydlen\u00ed, nesm\u00edme zapomenout ani na americk\u00e9 hypot\u00e9ky, kter\u00e9 jsou v mnoh\u00fdch pohledech benevolentn\u011bj\u0161\u00ed a nab\u00edz\u00ed je i nebankovn\u00ed spole\u010dnosti. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka stoj\u00ed minim\u00e1ln\u011b za va\u0161i pozornost. Registr dlu\u017en\u00edk\u016f Sou\u010d\u00e1st\u00ed schvalovac\u00edho procesu bank je i prov\u011b\u0159en\u00ed \u017eadatele v registrech dlu\u017en\u00edk\u016f. Pokud se \u017eadatel n\u011bkdy v minulosti ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v n\u011bkter\u00e9m z nich budou jeho \u00fadaje figurovat. V n\u011bkter\u00fdch p\u0159\u00edpadech se m\u016f\u017ee jednat o banality, jindy jde o z\u00e1va\u017enou p\u0159ek\u00e1\u017eku, kter\u00e1 br\u00e1n\u00ed v uzav\u0159en\u00ed \u00fav\u011bru. Nav\u00edc je pot\u0159eba si uv\u011bdomit, \u017ee ka\u017ed\u00e1 zam\u00edtnut\u00e1 \u017e\u00e1dost o \u00fav\u011br je zaznamen\u00e1v\u00e1na.                                                                                                                                                                                                                                                                                                                                                                                                   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