[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vsmix.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.vsmix.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":"Sen o vlastn\u00edm bydlen\u00ed je v dne\u0161n\u00ed dob\u011b jen t\u011b\u017eko zrealizovateln\u00fd a bez pomoci banky z\u016fstane mnohdy jen va\u0161\u00ed fantazi\u00ed. […]","datePublished":"2021-04-12","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.vsmix.cz\/author\/#Person","name":"","url":"https:\/\/www.vsmix.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vsmix.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vsmix.cz\/wp-content\/uploads\/mince%20a%20bankovky_6.jpg","url":"https:\/\/www.vsmix.cz\/wp-content\/uploads\/mince%20a%20bankovky_6.jpg","height":0,"width":0},"url":"https:\/\/www.vsmix.cz\/podminky-pro-ziskani-hypoteky\/","about":["Online"],"wordCount":413,"articleBody":"      Sen o vlastn\u00edm bydlen\u00ed je v dne\u0161n\u00ed dob\u011b jen t\u011b\u017eko zrealizovateln\u00fd a bez pomoci banky z\u016fstane mnohdy jen va\u0161\u00ed fantazi\u00ed. Nen\u00ed tomu tak d\u00e1vno, kdy bylo mo\u017en\u00e9 \u010derpat 100% hypot\u00e9ku. Takov\u00fd \u00fav\u011br m\u011bl f\u00e9rov\u00e9 podm\u00ednky a na hypot\u00e9ku dos\u00e1hl vesm\u011bs ka\u017ed\u00fd. Dne\u0161n\u00ed doba je ov\u0161em jin\u00e1 a po novele z\u00e1kona v roce 2018 se \u0159ada podm\u00ednek pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed zp\u0159\u00edsnily. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemJako u jin\u00fdch druh\u016f \u00fav\u011brov\u00fdch produkt\u016f, tak i v p\u0159\u00edpad\u011b hypote\u010dn\u00edho \u00fav\u011bru mus\u00ed \u017eadatel dolo\u017eit v\u00fd\u0161i sv\u00fdch pravideln\u00fdch p\u0159\u00edjm\u016f. Na z\u00e1klad\u011b v\u00fdpisu z \u00fa\u010dtu si banka m\u016f\u017ee velmi snadno vytvo\u0159it obr\u00e1zek, zda je \u017eadatel schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b podpisem smlouvy k bance m\u011bl. Stru\u010dn\u011b \u0159e\u010deno, v\u00e1\u0161 p\u0159\u00edjem mus\u00ed b\u00fdt takov\u00fd, aby pokryl ve\u0161ker\u00e9 \u017eivotn\u00ed pot\u0159eby a je\u0161t\u011b zbylo dostatek na spl\u00e1cen\u00ed \u00fav\u011bru. P\u0159esn\u00e1 v\u00fd\u0161e stanoven\u00e1 nen\u00ed, ta se odv\u00edj\u00ed od cel\u00e9 \u0159ady faktor\u016f, jako je v\u00fd\u0161e hypot\u00e9ky, \u00farokov\u00e1 sazba nebo d\u00e9lka trv\u00e1n\u00ed. I nab\u00eddky jednotliv\u00fdch bank se li\u0161\u00ed a jsou v\u017edy do jist\u00e9 m\u00edry individu\u00e1ln\u00ed dle dan\u00e9ho klienta. Poskytovatel\u00e9 \u00fav\u011br\u016f se v\u0161ak \u0159\u00edd\u00ed posledn\u00edmi doporu\u010den\u00edmi ze stran \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 doporu\u010duje, aby m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky nep\u0159es\u00e1hly polovinu \u010dist\u00e9ho p\u0159\u00edjmu dom\u00e1cnosti. Naopak u\u017e se nepohl\u00ed\u017e\u00ed na pom\u011br mezi v\u00fd\u0161\u00ed hypot\u00e9ky a v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Toto doporu\u010den\u00ed zru\u0161ila \u010cesk\u00e1 n\u00e1rodn\u00ed banka po posledn\u00ed novele z\u00e1kona za\u010d\u00e1tkem roku 2020. Bonita \u017eadateleDostanu hypot\u00e9ku? Pt\u00e1 se ka\u017ed\u00fd z n\u00e1s s\u00e1m sebe p\u0159i cest\u011b do banky. Jedn\u00edm z d\u016fle\u017eit\u00fdch vod\u00edtek pro banku je bonita \u017eadatele, kter\u00e9 o v\u00e1s dok\u00e1\u017ee prozradit v\u00edc, ne\u017e si mysl\u00edte. Vlastn\u00ed bonitu nen\u00ed mo\u017en\u00e9 si nijak prov\u011b\u0159it, lze v\u0161ak po\u017e\u00e1dat p\u0159\u00edmo banku nebo hypote\u010dn\u00edho poradce. Bonitu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, mezi nejd\u016fle\u017eit\u011bj\u0161\u00ed pat\u0159\u00ed v\u00fd\u0161e p\u0159\u00edjmu, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f nebo t\u0159eba dal\u0161\u00ed z\u00e1vazky, kter\u00e9 mus\u00edte spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.vsmix.cz\/podminky-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]