[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.klipo.cz\/cas-neuprosne-bezi-kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.klipo.cz\/cas-neuprosne-bezi-kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"\u010cas ne\u00faprosn\u011b b\u011b\u017e\u00ed, kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"\u010cas ne\u00faprosn\u011b b\u011b\u017e\u00ed, kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"Hypot\u00e9k je cel\u00e1 \u0159ada a je velmi d\u016fle\u017eit\u00e9 vybrat tu, kter\u00e1 se nejl\u00e9pe p\u0159izp\u016fsob\u00ed z\u00e1m\u011br\u016fm...","datePublished":"2021-01-22","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.klipo.cz\/author\/#Person","name":"","url":"https:\/\/www.klipo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"klipo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.klipo.cz\/wp-content\/uploads\/stavba%20domu_8.jpg","url":"https:\/\/www.klipo.cz\/wp-content\/uploads\/stavba%20domu_8.jpg","height":0,"width":0},"url":"https:\/\/www.klipo.cz\/cas-neuprosne-bezi-kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Finance"],"wordCount":419,"articleBody":"       Hypot\u00e9k je cel\u00e1 \u0159ada a je velmi d\u016fle\u017eit\u00e9 vybrat tu, kter\u00e1 se nejl\u00e9pe p\u0159izp\u016fsob\u00ed z\u00e1m\u011br\u016fm \u017eadatele. Hypot\u00e9ka na dru\u017estevn\u00ed byt nebo v\u00fdstavbu vysn\u011bn\u00e9ho domu m\u016f\u017ee vypadat na prvn\u00ed pohled podobn\u011b, ale mnohdy se jej\u00ed podm\u00ednky velmi odli\u0161uj\u00ed. Stejn\u011b tak je to s americkou hypot\u00e9kou, kter\u00e1 se v n\u00e1zvu od klasick\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru zase a\u017e tak neli\u0161\u00ed, p\u0159esto je pro financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed krajn\u011b nev\u00fdhodn\u00e1 kv\u016fli sv\u00e9mu vysok\u00e9mu \u00faroku. Pokud tedy v \u017eivot\u011b nastane okam\u017eik, kdy zatou\u017e\u00edte po vlastn\u00edm bydlen\u00ed, je zapot\u0159eb\u00ed tento krok dob\u0159e promyslet. Z vlastn\u00edch prost\u0159edk\u016f lze bydlen\u00ed zafinancovat jen st\u011b\u017e\u00ed a tak p\u0159ich\u00e1z\u00ed na \u0159adu cesta do banky, v\u00fdb\u011br vhodn\u00e9ho \u00fav\u011bru atd. Kdy je tedy ten spr\u00e1vn\u00fd \u010das na to vz\u00edt si hypot\u00e9ku?O hypot\u00e9ce m\u00e1 smysl uva\u017eovat v produktivn\u00edm v\u011bku\u010clov\u011bk je tak star\u00fd, jak se c\u00edt\u00ed. Tak toto heslo bohu\u017eel v bance p\u0159\u00edli\u0161 neobstoj\u00ed, p\u0159\u00edsn\u00e9 tabulky p\u0159esn\u011b ur\u010duj\u00ed v\u011bk, kdy je je\u0161t\u011b mo\u017en\u00e9 za\u017e\u00e1dat o \u00fav\u011br. Zat\u00edmco kolem 18 let je je\u0161t\u011b p\u0159\u00edli\u0161 brzo, kolem 50 u\u017e zase pozd\u011b. Ide\u00e1ln\u00ed v\u011bk \u017eadatele o hypot\u00e9ku je pro banky okolo 30 let. V tu dobu u\u017e m\u00e1 v\u011bt\u0161ina lid\u00ed st\u00e1le zam\u011bstn\u00e1n\u00ed a stabiln\u00ed p\u0159\u00edjem, kter\u00fd je pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru kl\u00ed\u010dov\u00fd. Hypot\u00e9ka sjednan\u00e1 v takov\u00e9m v\u011bku m\u00e1 tu v\u00fdhodu, \u017ee je mo\u017en\u00e9 j\u00ed spl\u00e1cet pom\u011brn\u011b dlouhou dobu. To v\u0161ak neznamen\u00e1, \u017ee o hypot\u00e9ku nelze \u017e\u00e1dat i ve 40, je zapot\u0159eb\u00ed v\u0161ak po\u010d\u00edtat s krat\u0161\u00ed dobou spl\u00e1cen\u00ed.\u010cesk\u00e1 n\u00e1rodn\u00ed banka upravuje horn\u00ed v\u011bkovou hranici, do kter\u00e9 mus\u00ed b\u00fdt hypote\u010dn\u00ed \u00fav\u011br bezpodm\u00edne\u010dn\u011b splacen, aktu\u00e1ln\u011b je to 65 let. I v tomto p\u0159\u00edpad\u011b se v\u0161ak najdou v\u00fdjimky z \u0159ad bankovn\u00edch i nebankovn\u00edch subjekt\u016f, kter\u00e9 maj\u00ed tuto horn\u00ed hranici posunutou t\u0159eba a\u017e na 75 let. Bez vlastn\u00edch prost\u0159edk\u016f se \u017eadatel neobejdeNez\u00e1le\u017e\u00ed, kolik si chcete p\u016fj\u010dit, nikdy nen\u00ed mo\u017en\u00e9 \u010derpat cel\u00fdch 100% hypot\u00e9ky. Banky v sou\u010dasn\u00e9 dob\u011b poskytuj\u00ed maxim\u00e1ln\u011b 80% tr\u017en\u00ed hodnoty nemovitosti, zbyl\u00fdch 20% mus\u00ed \u017eadatel financovat z vlastn\u00ed kapsy.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cas ne\u00faprosn\u011b b\u011b\u017e\u00ed, kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.klipo.cz\/cas-neuprosne-bezi-kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]