[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ochmt.cz\/kdy-je-ten-spravny-cas-uvazat-se-k-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.ochmt.cz\/kdy-je-ten-spravny-cas-uvazat-se-k-hypotece\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das uv\u00e1zat se k hypot\u00e9ce?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das uv\u00e1zat se k hypot\u00e9ce?","description":"P\u0159em\u00fd\u0161l\u00edte o koupi nemovitosti nebo u\u017e dlouho sn\u00edte o vlastn\u00edm dome\u010dku n\u011bkde za m\u011bstem? Pokud je va\u0161e odpov\u011b\u010f kladn\u00e1, jist\u011b v\u00e1s tak\u00e9 napad\u00e1 ot\u00e1zka, jak tento n\u00e1kladn\u00fd sen zrealizovat? V dne\u0161n\u00ed dob\u011b ceny nemovitost\u00ed rostou p\u0159\u00edmo astronomicky a jen m\u00e1lokdo se m\u016f\u017ee pochlubit miliony, kter\u00e9 m\u00e1 schovan\u00e9 doma pod matrac\u00ed. V\u011bt\u0161ina z n\u00e1s ale v […]","datePublished":"2021-03-16","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.ochmt.cz\/author\/#Person","name":"","url":"https:\/\/www.ochmt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ochmt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ochmt.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_5.jpg","url":"https:\/\/www.ochmt.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_5.jpg","height":0,"width":0},"url":"https:\/\/www.ochmt.cz\/kdy-je-ten-spravny-cas-uvazat-se-k-hypotece\/","about":["D\u016fm a byt"],"wordCount":415,"articleBody":"     P\u0159em\u00fd\u0161l\u00edte o koupi nemovitosti nebo u\u017e dlouho sn\u00edte o vlastn\u00edm dome\u010dku n\u011bkde za m\u011bstem? Pokud je va\u0161e odpov\u011b\u010f kladn\u00e1, jist\u011b v\u00e1s tak\u00e9 napad\u00e1 ot\u00e1zka, jak tento n\u00e1kladn\u00fd sen zrealizovat? V dne\u0161n\u00ed dob\u011b ceny nemovitost\u00ed rostou p\u0159\u00edmo astronomicky a jen m\u00e1lokdo se m\u016f\u017ee pochlubit miliony, kter\u00e9 m\u00e1 schovan\u00e9 doma pod matrac\u00ed. V\u011bt\u0161ina z n\u00e1s ale v t\u00e9to chv\u00edli za\u010dne uva\u017eovat o v\u00fdhodn\u00e9m hypote\u010dn\u00edm \u00fav\u011bru, kter\u00fd n\u00e1m pom\u016f\u017ee tento sen prom\u011bnit ve skute\u010dnost. Kdy je ale ten nejlep\u0161\u00ed \u010das na hypot\u00e9ku? Jak j\u00ed vybrat a u jak\u00e9 banky smlouvu uzav\u0159\u00edt? Dos\u00e1hnu na hypot\u00e9ku? O hypot\u00e9ce m\u00e1 smysl uva\u017eovat v produktivn\u00edm v\u011bkuBanka je k \u017eadatel\u016fm o hypote\u010dn\u00ed \u00fav\u011br nekompromisn\u00ed, p\u0159eci jenom se jedn\u00e1 o pom\u011brn\u011b vysok\u00e9 \u010d\u00e1stky a riziko je vysok\u00e9. \u0158ada bankovn\u00edch i nebankovn\u00edch instituc\u00ed tak vy\u017eaduje jako pojistku z\u00e1stavu nemovitosti. P\u0159i posuzov\u00e1n\u00ed, zda \u017eadatel ne\/vyhovuje podm\u00ednk\u00e1m nastaven\u00e9 bankou rozhoduje cel\u00e1 \u0159ada faktor\u016f, jedn\u00edm z nich je i v\u011bk respondenta. V\u00fdhrou samoz\u0159ejm\u011b p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani p\u0159\u00edli\u0161 vysok\u00fd v\u011bk \u017eadatele. V obou v\u011bkov\u00fdch kategori\u00edch by mohli m\u00edt dlu\u017en\u00edci n\u00e1sledn\u011b probl\u00e9my se spl\u00e1cen\u00edm. V\u00fdhodou je v\u0161ak hypot\u00e9ka sjednan\u00e1 v za\u010d\u00e1tku produktivn\u00edho v\u011bku, kdy m\u00e1 banka u\u017e ur\u010ditou p\u0159edstavu o \u017eivotn\u00ed \u00farovni \u017eadatele a z\u00e1rove\u0148 je mo\u017en\u00e9 smlouvu uzav\u0159\u00edt na pom\u011brn\u011b dlouhou dobu. Tomuto faktu jsou n\u00e1sledn\u011b p\u0159izp\u016fsoben\u00e9 i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, kter\u00e9 zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det jen minim\u00e1ln\u011b. Jak u\u017e bylo \u0159e\u010deno v\u00fd\u0161e, vysok\u00fd v\u011bk rozhodn\u011b p\u0159i \u017e\u00e1dosti o \u00fav\u011br nen\u00ed v\u00fdhrou, o to sp\u00ed\u0161 v p\u0159\u00edpad\u011b hypot\u00e9ky. \u010cNB upravuje podm\u00ednky pro v\u0161echny bankovn\u00ed subjekty a doporu\u010duje horn\u00ed v\u011bkovou hranici, do kter\u00e9 by m\u011bl b\u00fdt \u00fav\u011br splacen. Ta je v sou\u010dasn\u00e9 dob\u011b nastavena na 65 let. Nen\u00ed to v\u0161ak z\u00e1vazn\u00e9 na\u0159\u00edzen\u00ed a nen\u00ed t\u011b\u017ek\u00e9 se setkat i s vy\u0161\u0161\u00ed v\u011bkovou hranic\u00ed. Je pak v\u017edy na uv\u00e1\u017een\u00ed klienta, zda je ochoten spl\u00e1cet \u00fav\u011br i v tak pokro\u010dil\u00e9m v\u011bku.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das uv\u00e1zat se k hypot\u00e9ce?","item":"https:\/\/www.ochmt.cz\/kdy-je-ten-spravny-cas-uvazat-se-k-hypotece\/#breadcrumbitem"}]}]