{"id":548,"date":"2021-12-13T19:30:45","date_gmt":"2021-12-13T18:30:45","guid":{"rendered":"https:\/\/izeny.eu\/?p=548"},"modified":"2021-12-13T19:30:46","modified_gmt":"2021-12-13T18:30:46","slug":"prakticke-informace-ktere-se-vyplati-znat-premyslite-li-nad-hypotekou","status":"publish","type":"post","link":"https:\/\/izeny.eu\/?p=548","title":{"rendered":"Praktick\u00e9 informace, kter\u00e9 se vyplat\u00ed zn\u00e1t, p\u0159em\u00fd\u0161l\u00edte-li nad hypot\u00e9kou"},"content":{"rendered":"\n

Poohl\u00ed\u017e\u00edte se po prvn\u00edm vlastn\u00edm bydlen\u00ed, chcete se p\u0159est\u011bhovat do v\u011bt\u0161\u00edho nebo pl\u00e1nujete rekonstrukci bytu \u010di domu? D\u00edky rekordn\u011b n\u00edzk\u00fdm \u00farokov\u00fdm sazb\u00e1m je pr\u00e1v\u011b hypot\u00e9ka nejv\u00fdhodn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm pro financov\u00e1n\u00ed bydlen\u00ed. Porad\u00edme v\u00e1m, co v\u0161echno se vyplat\u00ed v\u011bd\u011bt, abyste v bance z\u00edskali ty nejlep\u0161\u00ed podm\u00ednky.<\/p>\n\n\n\n

Rad\u00ed: Eva \u0160ablov\u00e1 – \u0159editelka pro \u00fav\u011bry ve spole\u010dnosti FinGO.sk<\/p>\n\n\n\n

Nejprve hypot\u00e9ka a\u017e potom nemovitost<\/p>\n\n\n\n

Spousta lid\u00ed d\u011bl\u00e1 tu chybu, \u017ee si nejsp\u00ed\u0161 najdou nov\u00fd vysn\u011bn\u00fd byt \u010di d\u016fm, zaplat\u00ed rezerva\u010dn\u00ed poplatek a teprve potom si za\u010dnou vy\u0159izovat hypot\u00e9ku. Nebo si napl\u00e1nuj\u00ed rekonstrukci, za\u010dnou s prvn\u00edmi pracemi z vlastn\u00edch \u00faspor, a kdy\u017e jim dojdou pen\u00edze, za\u010dnou se poohl\u00ed\u017eet po dal\u0161\u00edch mo\u017enostech financov\u00e1n\u00ed.<\/p>\n\n\n\n

Tento postup je v\u0161ak nespr\u00e1vn\u00fd a m\u016f\u017ee v\u00e1s p\u0159ipravit nejen o \u010das, ale tak\u00e9 o pen\u00edze. Odborn\u00edci proto rad\u00ed nejprve si prov\u011b\u0159it sv\u00e9 finan\u010dn\u00ed limity a pot\u00e9 za\u010d\u00edt pl\u00e1novat. Je to praktick\u00e9 a nic v\u00e1s to nestoj\u00ed. \u201eP\u0159i financov\u00e1n\u00ed bydlen\u00ed je ide\u00e1ln\u00ed nejprve si ud\u011blat pr\u016fzkum a zjistit, kolik pen\u011bz v\u00e1m banka dok\u00e1\u017ee p\u016fj\u010dit. Teprve potom se pus\u0165te do hled\u00e1n\u00ed vhodn\u00e9 nemovitosti nebo pl\u00e1nov\u00e1n\u00ed rekonstrukce. Jinak se m\u016f\u017ee st\u00e1t, \u017ee zbyte\u010dn\u011b uhrad\u00edte rezerva\u010dn\u00ed poplatek za nemovitost, kterou si ostatn\u011b nekoup\u00edte, a p\u0159ijdete o tis\u00edce eur.<\/p>\n\n\n\n

Nebo v\u00e1m b\u011bhem rekonstrukce dojdou \u00faspory, kter\u00fdmi jste mohli rad\u011bji dofinancovat hypot\u00e9ku, a banka v\u00e1m u\u017e bez vlastn\u00edch pen\u011bz nemus\u00ed p\u016fj\u010dit takovou sumu, jakou pot\u0159ebujete. V hor\u0161\u00edm p\u0159\u00edpad\u011b se m\u016f\u017ee st\u00e1t, \u017ee v\u00e1m z n\u011bjak\u00e9ho d\u016fvodu banka nep\u016fj\u010d\u00ed v\u016fbec a vy nebudete m\u00edt z \u010deho dokon\u010dit zapo\u010dat\u00e9 pr\u00e1ce,\u201c vysv\u011btluje odbornice na \u00fav\u011bry Eva \u0160ablov\u00e1 z FinGO.sk.<\/p>\n\n\n\n

n\u00e1kupn\u00ed voz\u00edk s domem
Zdroj: Shutterstock
Pro\u010d je hypot\u00e9ka nejlep\u0161\u00ed \u0159e\u0161en\u00ed?<\/p>\n\n\n\n

P\u0159i financov\u00e1n\u00ed bydlen\u00ed lid\u00e9 v\u011bt\u0161inou sahaj\u00ed po hypot\u00e9k\u00e1ch a \u00fav\u011brech od stavebn\u00edch spo\u0159itelen, p\u0159i ni\u017e\u0161\u00edch \u010d\u00e1stk\u00e1ch i po spot\u0159ebn\u00edch \u00fav\u011brech. Nejv\u011bt\u0161\u00ed v\u00fdhodou hypot\u00e9k jsou rozhodn\u011b nejni\u017e\u0161\u00ed \u00farokov\u00e9 sazby, kter\u00e9 iv pr\u016fb\u011bhu leto\u0161n\u00edho roku klesaly.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Ve v\u011bt\u0161in\u011b bank je minim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky 5 000 eur. Maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru z\u00e1vis\u00ed na hodnot\u011b zabezpe\u010den\u00ed \u00fav\u011bru (tedy na hodnot\u011b nemovitosti, kterou chcete zalo\u017eit ve prosp\u011bch \u00fav\u011bru) a tak\u00e9 na va\u0161\u00ed bonit\u011b (tedy na tom, jakou v\u00fd\u0161i p\u0159\u00edjmu um\u00edte prok\u00e1zat).
Minim\u00e1ln\u00ed doba splatnosti hypot\u00e9ky jsou 4 roky, maxim\u00e1ln\u00ed doba je 30 let nebo v n\u011bkter\u00fdch bank\u00e1ch i 40 let. \u010c\u00edm del\u0161\u00ed splatnost si vyberete, t\u00edm ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku budete spl\u00e1cet.
U hypot\u00e9ky m\u016f\u017eete d\u011blat i bezplatn\u00e9 mimo\u0159\u00e1dn\u00e9 spl\u00e1tky a \u00fav\u011bru se tak zbav\u00edte d\u0159\u00edve. P\u0159i sou\u010dasn\u00fdch n\u00edzk\u00fdch \u00faroc\u00edch se v\u00edce vyplat\u00ed takto uspo\u0159en\u00e9 pen\u00edze investovat a pozd\u011bji z tohoto bal\u00edku pen\u011bz zrealizovat p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru.
\u00darokov\u00e1 sazba hypot\u00e9ky je fixov\u00e1na, tak\u017ee se ze strany banky b\u011bhem obdob\u00ed fixace nem\u011bn\u00ed. M\u016f\u017eete si vybrat obdob\u00ed fixace na 1, 2, 3, 5, 7 \u010di 10 let.
Hypot\u00e9ku v\u00e1m banka poskytne jen do 80% LTV (LTV vyjad\u0159uje pom\u011br v\u00fd\u0161e \u00fav\u011bru k hodnot\u011b nemovitosti) \u2013 to znamen\u00e1, \u017ee zb\u00fdvaj\u00edc\u00edch 20% z hodnoty nemovitosti mus\u00edte dofinancovat jinak.
90 % LTV poskytuj\u00ed banky u\u017e jen z\u0159\u00eddka, z\u00e1kon jim to omezil.
Hypot\u00e9ku si m\u016f\u017eete u n\u011bkter\u00fdch bank vy\u0159\u00eddit i bez poplatku za poskytnut\u00ed. Banky \u010dasto maj\u00ed i kampan\u011b, b\u011bhem kter\u00fdch klient\u016fm proplat\u00ed znaleck\u00fd posudek nemovitosti nebo poplatek za z\u00e1pis z\u00e1stavn\u00edho pr\u00e1va na katastru.
Pokud ji\u017e hypot\u00e9ku spl\u00e1c\u00edte, p\u0159\u00edpadn\u011b m\u00e1te i v\u00edce \u00fav\u011br\u016f, m\u016f\u017eete je slou\u010dit do jedn\u00e9 refinan\u010dn\u00ed hypot\u00e9ky. T\u00edmto krokem lze v\u00fdrazn\u011b u\u0161et\u0159it a z\u00e1rove\u0148 i sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed zat\u00ed\u017een\u00ed va\u0161eho rodinn\u00e9ho rozpo\u010dtu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Poohl\u00ed\u017e\u00edte se po prvn\u00edm vlastn\u00edm bydlen\u00ed, chcete se p\u0159est\u011bhovat do v\u011bt\u0161\u00edho nebo pl\u00e1nujete rekonstrukci bytu \u010di domu? D\u00edky rekordn\u011b n\u00edzk\u00fdm \u00farokov\u00fdm sazb\u00e1m je pr\u00e1v\u011b hypot\u00e9ka nejv\u00fdhodn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm pro financov\u00e1n\u00ed bydlen\u00ed. Porad\u00edme v\u00e1m, co v\u0161echno se vyplat\u00ed v\u011bd\u011bt, abyste v bance z\u00edskali ty nejlep\u0161\u00ed podm\u00ednky. Rad\u00ed: Eva \u0160ablov\u00e1 – \u0159editelka pro \u00fav\u011bry ve spole\u010dnosti FinGO.sk Nejprve […]<\/p>\n","protected":false},"author":2,"featured_media":549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-548","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts\/548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=548"}],"version-history":[{"count":0,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/posts\/548\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=\/wp\/v2\/media\/549"}],"wp:attachment":[{"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/izeny.eu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}