{"id":16698,"date":"2015-11-20T10:03:26","date_gmt":"2015-11-20T10:03:26","guid":{"rendered":"http:\/\/aktualitycz.cz\/?p=16698"},"modified":"2018-09-06T15:47:47","modified_gmt":"2018-09-06T14:47:47","slug":"hypoteky-jak-se-v-nich-vyznat","status":"publish","type":"post","link":"https:\/\/krasne-bydleni.cz\/?p=16698","title":{"rendered":"Hypot\u00e9ky, jak se v nich vyznat?"},"content":{"rendered":"<p>Hypote\u010dn\u00ed \u00fav\u011bry jsou dnes hodn\u011b roz\u0161\u00ed\u0159en\u00e9, spoustu mlad\u00fdch rodin chce bydlet ve sv\u00e9m a tohle je nejjednodu\u0161\u0161\u00ed mo\u017enost, jak si n\u011bco podobn\u00e9ho zajistit. <strong>Hypot\u00e9ky<\/strong> maj\u00ed v\u00fdhodn\u00e9 \u00faroky a spl\u00e1cej\u00ed se \u010dasto a\u017e t\u0159icet nebo i \u010dty\u0159icet let. Jak\u00e9 varianty na na\u0161em trhu najdete? Obecn\u011b se tento dlouhodob\u00fd \u00fav\u011br d\u00e1 rozli\u0161it podle n\u011bkolika r\u016fzn\u00fdch krit\u00e9ri\u00ed.<\/p>\n<h2>Jak\u00fd je rozd\u00edl mezi \u00fa\u010delovou a ne\u00fa\u010delovou hypot\u00e9kou?<\/h2>\n<p>Hypot\u00e9ka\u00a0nemus\u00ed slou\u017eit jen k\u00a0zaji\u0161t\u011bn\u00ed bydlen\u00ed, tedy b\u00fdt vyu\u017eita n\u011bjak \u00fa\u010delov\u011b. Na trhu jsou toti\u017e k\u00a0dispozici i takzvan\u00e9 ne\u00fa\u010delov\u00e9 (nebo t\u00e9\u017e americk\u00e9) hypot\u00e9ky, kde lze vyu\u017e\u00edt poskytnut\u00e9 prost\u0159edky jednodu\u0161e na cokoliv a u\u0161et\u0159it tak spoustu pen\u011bz na \u00faroc\u00edch oproti klasick\u00e9 spot\u0159ebitelsk\u00e9 p\u016fj\u010dce. N\u011bkter\u00e9 ne\u00fa\u010delov\u00e9 hypot\u00e9ky jsou ale p\u0159esto omezeny v\u00a0tom, na co p\u0159esn\u011b se mohou vyu\u017e\u00edt \u2013 t\u011bch mo\u017enosti je ale obvykle v\u00edce. P\u0159ipravte se tak\u00e9 na to, \u017ee ne\u00fa\u010delov\u00e1 hypot\u00e9ka bude m\u00edt v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00farok ne\u017e \u00fa\u010delov\u00e1.<\/p>\n<h2>Hypot\u00e9ky a z\u00e1stava nemovitosti<\/h2>\n<p>P\u0159i sjedn\u00e1v\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru mus\u00edte ru\u010dit n\u011bjakou nemovitost\u00ed \u2013 a\u0165 u\u017e p\u016fjde o m\u011bstsk\u00fd byt, chatu, rodinn\u00fd d\u016fm a tak podobn\u011b. Fakt, kolik pen\u011bz vlastn\u011b z\u00edsk\u00e1te od banky nebo jin\u00e9 spole\u010dnosti, je odvisl\u00fd od toho, jakou m\u00e1 ona nemovitost vlastn\u011b hodnotu. Ne\u00fa\u010delov\u00e1 hypot\u00e9ka sk\u00fdt\u00e1 mo\u017enost \u010derpat finan\u010dn\u00ed \u010d\u00e1stku a\u017e do hodnoty 70 procent z\u00a0t\u00e9to nemovitosti, u \u00fa\u010delov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru je tato hranice zpravidla o patn\u00e1ct procent vy\u0161\u0161\u00ed. Existuj\u00ed v\u0161ak i <strong>hypot\u00e9ky<\/strong>, kde si lze p\u016fj\u010dit sto procent z\u00a0hodnoty zastavovan\u00e9 nemovitosti, mus\u00edte v\u0161ak na trhu trochu hledat, u ka\u017ed\u00e9 banky tohle nebude.<\/p>\n<h2>Jakou zvolit hypot\u00e9ku? Bankovn\u00ed nebo rad\u011bji nebankovn\u00ed?<\/h2>\n<p>Vy\u0159\u00eddit hypot\u00e9ku v\u00a0bance \u010dasto nemus\u00ed b\u00fdt pr\u00e1v\u011b nejrychlej\u0161\u00ed a kv\u016fli dodate\u010dn\u00e9mu prov\u011b\u0159ov\u00e1n\u00ed bonity \u017eadatele na ni nemus\u00ed dos\u00e1hnout \u00fapln\u011b ka\u017ed\u00fd, na druhou stranu je tu ale obecn\u011b o n\u011bco ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba. Nebankovn\u00ed hypot\u00e9ka rovn\u00e1 se m\u00e9n\u011b pap\u00edrov\u00e1n\u00ed, nicm\u00e9n\u011b po\u010d\u00edtejte s\u00a0t\u00edm, \u017ee na \u00faroc\u00edch to bude o p\u011bkn\u00fdch p\u00e1r p\u011btitis\u00edcovek nav\u00edc\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypote\u010dn\u00ed \u00fav\u011bry jsou dnes hodn\u011b roz\u0161\u00ed\u0159en\u00e9, spoustu mlad\u00fdch rodin chce bydlet ve sv\u00e9m a tohle je nejjednodu\u0161\u0161\u00ed mo\u017enost, jak si n\u011bco podobn\u00e9ho zajistit. Hypot\u00e9ky maj\u00ed v\u00fdhodn\u00e9 \u00faroky a spl\u00e1cej\u00ed se&hellip;<\/p>\n","protected":false},"author":4,"featured_media":18998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[2,167,131],"tags":[],"class_list":["post-16698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bydleni","category-finance","category-reality"],"_links":{"self":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/16698","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16698"}],"version-history":[{"count":0,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/16698\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/media\/18998"}],"wp:attachment":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16698"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16698"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16698"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}