[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ligus.cz\/kdy-je-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.ligus.cz\/kdy-je-spravny-cas-na-hypoteku\/","headline":"Kdy je spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"Rekonstrukce, v\u00fdstavba nebo koup\u011b nemovitosti je bezesporu velk\u00fd \u017eivotn\u00ed krok, kter\u00fd je finan\u010dn\u011b velmi n\u00e1ro\u010dn\u00fd. \u0158ada lid\u00ed pak k spln\u011bn\u00ed tohoto dlouholet\u00e9ho snu pou\u017eije vhodn\u011b vybran\u00fd hypote\u010dn\u00ed \u00fav\u011br. I kdy\u017e je v\u0161ak v sou\u010dasnosti na trhu p\u0159ebytek likvidity, banky mus\u00ed bojovat o ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele. M\u016f\u017eeme tak vid\u011bt bankovn\u00ed i nebankovn\u00ed subjekty, kter\u00e9 p\u0159ich\u00e1z\u00ed se …","datePublished":"2021-03-16","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.ligus.cz\/author\/#Person","name":"","url":"https:\/\/www.ligus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ligus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ligus.cz\/wp-content\/uploads\/r%C5%AFst%20financ%C3%AD_6.jpg","url":"https:\/\/www.ligus.cz\/wp-content\/uploads\/r%C5%AFst%20financ%C3%AD_6.jpg","height":0,"width":0},"url":"https:\/\/www.ligus.cz\/kdy-je-spravny-cas-na-hypoteku\/","about":["Ekonomika"],"wordCount":401,"articleBody":"      Rekonstrukce, v\u00fdstavba nebo koup\u011b nemovitosti je bezesporu velk\u00fd \u017eivotn\u00ed krok, kter\u00fd je finan\u010dn\u011b velmi n\u00e1ro\u010dn\u00fd. \u0158ada lid\u00ed pak k spln\u011bn\u00ed tohoto dlouholet\u00e9ho snu pou\u017eije vhodn\u011b vybran\u00fd hypote\u010dn\u00ed \u00fav\u011br. I kdy\u017e je v\u0161ak v sou\u010dasnosti na trhu p\u0159ebytek likvidity, banky mus\u00ed bojovat o ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele. M\u016f\u017eeme tak vid\u011bt bankovn\u00ed i nebankovn\u00ed subjekty, kter\u00e9 p\u0159ich\u00e1z\u00ed se st\u00e1le v\u00fdhodn\u011bj\u0161\u00edmi nab\u00eddkami \u00fav\u011brov\u00fdch produkt\u016f. Jak tedy vybrat hypote\u010dn\u00ed \u00fav\u011br? Kde naj\u00edt tu nejlevn\u011bj\u0161\u00ed hypot\u00e9ku?Hypot\u00e9ka jen do 40 let?Banky jsou v p\u0159\u00edpad\u011b \u00fav\u011brov\u00fdch produkt\u016f k \u017eadatel\u016fm nekompromisn\u00ed. P\u0159eci jenom se jedn\u00e1 o z\u00e1vazek, ze kter\u00e9ho mohou v p\u0159\u00edpad\u011b v\u00fdhodn\u00e9 smlouvy vyt\u011b\u017eit, ale z\u00e1rove\u0148 i hodn\u011b ztratit, pokud \u0161patn\u011b odhadnou platebn\u00ed mor\u00e1lku \u017eadatele. I z tohoto d\u016fvodu bankovn\u00ed subjekty ka\u017ed\u00e9ho \u017eadatele prov\u011b\u0159uj\u00ed nez\u00e1visle a sna\u017e\u00ed se zjistit, zda bude schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di bance m\u011bl. Jeden z rozhoduj\u00edc\u00edch faktor\u016f je samoz\u0159ejm\u011b i v\u011bk \u017eadatele. Jak u\u017e to tak v p\u0159\u00edpad bank b\u00fdv\u00e1, v\u00fdhodou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd, ba ale ani p\u0159\u00edli\u0161 vysok\u00fd v\u011bk. Banky v tomto ohledu maj\u00ed jasnou, pokud budete cht\u00edt uzav\u0159\u00edt smlouvu o hypote\u010dn\u00edm \u00fav\u011bru, ud\u011blejte to mezi 26 a 35 v\u011bkem. To je dle bank ide\u00e1ln\u00ed v\u011bk, kter\u00fd s sebou p\u0159in\u00e1\u0161\u00ed ty nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky hypot\u00e9ky. Hypot\u00e9ka sjednan\u00e1 v mlad\u0161\u00edm v\u011bku m\u00e1 \u0159adu v\u00fdhod, je mo\u017en\u00e9 j\u00ed spl\u00e1cet pom\u011brn\u011b dlouhou dobu a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky p\u0159itom nejsou nijak vysok\u00e9. \u010cesk\u00e1 n\u00e1rodn\u00ed banka tak\u00e9 upravuje nejvy\u0161\u0161\u00ed v\u011bkovou hranici, do kter\u00e9 by m\u011bl b\u00fdt \u00fav\u011br placen. Ta je v sou\u010dasn\u00e9 dob\u011b nastavena na 65 let. Najde se ale \u0159ada bankovn\u00edch i nebankovn\u00edch hypot\u00e9k, kdy je tato v\u011bkov\u00e1 hranice posunuta. Bez vlastn\u00edch prost\u0159edku banka \u017e\u00e1dost zam\u00edtneAbyste m\u011bli na hypot\u00e9ku v\u016fbec \u0161anci dos\u00e1hnout, nen\u00ed k tomu zapot\u0159eb\u00ed pouze spr\u00e1vn\u00fd v\u011bk. Krom toho pot\u0159ebuje i vlastn\u00ed rezervy, kter\u00e9 pokryj\u00ed 30% ze z\u00e1stavn\u00ed hodnoty nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.ligus.cz\/kdy-je-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]