[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.selfix.cz\/myty-o-hypotekach\/#Article","mainEntityOfPage":"https:\/\/www.selfix.cz\/myty-o-hypotekach\/","headline":"M\u00fdty o hypot\u00e9k\u00e1ch","name":"M\u00fdty o hypot\u00e9k\u00e1ch","description":"Mysl\u00edte si, \u017ee z\u00edskat hypot\u00e9\u010dn\u00ed \u00fav\u011br je jednoduch\u00e9? Chyba. Dokonce ani te\u010f, kdy jsou hypot\u00e9ky na historick\u00e9m minimu, nen\u00ed o nic jednodu\u0161\u0161\u00ed ji z\u00edskat, naopak. \u00darokov\u00e1 sazba klesla pod dv\u011b procenta a st\u00e1le v\u00edce lid\u00ed se pokou\u0161\u00ed na hypot\u00e9ku dos\u00e1hnout, ov\u0161em podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed se nem\u011bn\u00ed. \u010c\u00edm levn\u011bj\u0161\u00ed jsou tyto \u00fav\u011bry, t\u00edm v\u00edce lid\u00ed […]","datePublished":"2023-04-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.selfix.cz\/author\/#Person","name":"selfix.cz\n","url":"https:\/\/www.selfix.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"selfix.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.selfix.cz\/myty-o-hypotekach\/","about":["Finance"],"wordCount":410,"articleBody":"Mysl\u00edte si, \u017ee z\u00edskat hypot\u00e9\u010dn\u00ed \u00fav\u011br je jednoduch\u00e9? Chyba. Dokonce ani te\u010f, kdy jsou hypot\u00e9ky na historick\u00e9m minimu, nen\u00ed o nic jednodu\u0161\u0161\u00ed ji z\u00edskat, naopak. \u00darokov\u00e1 sazba klesla pod dv\u011b procenta a st\u00e1le v\u00edce lid\u00ed se pokou\u0161\u00ed na hypot\u00e9ku dos\u00e1hnout, ov\u0161em podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed se nem\u011bn\u00ed. \u010c\u00edm levn\u011bj\u0161\u00ed jsou tyto \u00fav\u011bry, t\u00edm v\u00edce lid\u00ed chce dos\u00e1hnout v\u011bt\u0161\u00ed \u010d\u00e1stky na zap\u016fj\u010den\u00ed, jen\u017ee si neuv\u011bdomuj\u00ed, \u017ee levn\u011bj\u0161\u00ed hypot\u00e9ka neznamen\u00e1, \u017ee si mohou dovolit vy\u0161\u0161\u00ed \u00fav\u011br.Hypot\u00e9ka nen\u00ed v\u016fbec jednoduch\u00fd proces. Pokud si o ni za\u017e\u00e1d\u00e1te, bude v\u00e1s to st\u00e1t n\u011bkolik t\u00fddn\u016f \u010dasu, spoustu nerv\u016f a neuv\u011b\u0159iteln\u00e9 mno\u017estv\u00ed pap\u00edrov\u00e1n\u00ed.Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed chybn\u00e9 domn\u011bnky o hypot\u00e9k\u00e1ch? 1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u016f\u017eete si vz\u00edt stoprocentn\u00ed \u00fav\u011br To je le\u017e. Pokud nem\u00e1te \u017e\u00e1dn\u00e9 \u00faspory, u\u017e v\u00e1m nikdo hypot\u00e9ku ned\u00e1. 100% hypot\u00e9ky jsou v\u011bc minulosti, dnes pot\u0159ebujete alespo\u0148 n\u011bjak\u00fd z\u00e1klad. Od nov\u00e9ho roku banky nesm\u00ed poskytovat stoprocentn\u00ed \u00faroky na hypot\u00e9ky. Minimum naspo\u0159en\u00e9ho z\u00e1kladu mus\u00ed b\u00fdt p\u011bt procent, co\u017e je p\u0159i milionov\u00e9 hypot\u00e9ce pades\u00e1t tis\u00edc korun. Ov\u0161em od nov\u00e9ho roku bude tato hranice posunuta na deset procent, co\u017e je p\u0159i t\u00e9\u017ee milionov\u00e9 hypot\u00e9ce sto tis\u00edc korun. Od nov\u00e9ho roku 2017 mohou banky ze z\u00e1kona poskytovat pouze devades\u00e1tiprocentn\u00ed \u00faroky z\u00a0odhadu ceny nemovitosti.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Schv\u00e1len\u00ed hypot\u00e9ky je jednoduch\u00e9 Pokud si mysl\u00edte, \u017ee kv\u016fli hypot\u00e9ce sta\u010d\u00ed jednou p\u0159ij\u00edt do banky, za\u017e\u00e1dat o ni, a je\u0161t\u011b ten den m\u00e1te pen\u00edze, m\u00fdl\u00edte se. Mus\u00edte dolo\u017eit nejr\u016fzn\u011bj\u0161\u00ed administrativu o tom, kolik vyd\u011bl\u00e1v\u00e1te, jak dlouho, na jak dlouho m\u00e1te smlouvu se sv\u00fdm zam\u011bstnavatelem, jak\u00fd typ pr\u00e1ce vykon\u00e1v\u00e1te, jak\u00e1 je va\u0161e finan\u010dn\u00ed minulost, jak\u00e9 dal\u0161\u00ed p\u016fj\u010dky spl\u00e1c\u00edte, kolik m\u00e1te d\u011bt\u00ed, s\u00a0k\u00fdm v\u00a0dom\u00e1cnosti \u017eijete, a tak d\u00e1le. V\u00e1\u0161 p\u0159\u00edjem mus\u00ed potvrdit v\u00e1\u0161 zam\u011bstnavatel, nav\u00edc mus\u00edte slo\u017eit minim\u00e1ln\u011b p\u011bt procent po\u017eadovan\u00e9 v\u00fd\u0161e hypote\u010dn\u00edho \u00fav\u011bru. Pak se samoz\u0159ejm\u011b mus\u00ed odhadnout cena nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00fdty o hypot\u00e9k\u00e1ch","item":"https:\/\/www.selfix.cz\/myty-o-hypotekach\/#breadcrumbitem"}]}]