[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lomp.cz\/hypoteka-jako-prostredek-k-plneni-snu\/#Article","mainEntityOfPage":"https:\/\/www.lomp.cz\/hypoteka-jako-prostredek-k-plneni-snu\/","headline":"Hypot\u00e9ka jako prost\u0159edek k pln\u011bn\u00ed sn\u016f","name":"Hypot\u00e9ka jako prost\u0159edek k pln\u011bn\u00ed sn\u016f","description":"Hypot\u00e9ku na bydlen\u00ed asi nen\u00ed pot\u0159eba nijak dlouze p\u0159edstavovat, tento \u00fav\u011brov\u00fd produkt zn\u00e1me ka\u017ed\u00fd a je v nab\u00eddce v\u011bt\u0161iny bank. Podle nejnov\u011bj\u0161\u00edch statistik m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech, co\u017e m\u016f\u017ee b\u00fdt trochu alarmuj\u00edc\u00ed \u00fadaj. Je ale zapot\u0159eb\u00ed poznamenat, \u017ee se do statistiky zahrnuj\u00ed ve\u0161ker\u00e9 \u00fav\u011brov\u00e9 produkty, tedy i spot\u0159ebitelsk\u00e9 \u00fav\u011bry […]","datePublished":"2021-04-17","dateModified":"2021-04-17","author":{"@type":"Person","@id":"https:\/\/www.lomp.cz\/author\/#Person","name":"","url":"https:\/\/www.lomp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lomp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lomp.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_10_4.jpg","url":"https:\/\/www.lomp.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.lomp.cz\/hypoteka-jako-prostredek-k-plneni-snu\/","about":["Internet"],"wordCount":384,"articleBody":"   Hypot\u00e9ku na bydlen\u00ed asi nen\u00ed pot\u0159eba nijak dlouze p\u0159edstavovat, tento \u00fav\u011brov\u00fd produkt zn\u00e1me ka\u017ed\u00fd a je v nab\u00eddce v\u011bt\u0161iny bank. Podle nejnov\u011bj\u0161\u00edch statistik m\u00e1 s n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech, co\u017e m\u016f\u017ee b\u00fdt trochu alarmuj\u00edc\u00ed \u00fadaj. Je ale zapot\u0159eb\u00ed poznamenat, \u017ee se do statistiky zahrnuj\u00ed ve\u0161ker\u00e9 \u00fav\u011brov\u00e9 produkty, tedy i spot\u0159ebitelsk\u00e9 \u00fav\u011bry nebo kontokorent. Hypote\u010dn\u00ed \u00fav\u011br pat\u0159\u00ed mezi ty nejrozumn\u011bj\u0161\u00ed, je toti\u017e br\u00e1n za konkr\u00e9tn\u00edm \u00fa\u010delem \u2013 po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. I z tohoto d\u016fvodu nab\u00edz\u00ed jednu z nejv\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb ze v\u0161ech dostupn\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Do karet dlu\u017en\u00edk\u016fm hraje i dlouh\u00e1 doba spl\u00e1cen\u00ed, d\u00e9lka fixace a v\u00fdhodn\u011b nastaven\u00e9 podm\u00ednky. Je ale zapot\u0159eb\u00ed zm\u00ednit, \u017ee po novela z\u00e1kona se n\u011bkter\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed tohoto typu \u00fav\u011bru zp\u0159\u00edsnily. Nap\u0159\u00edklad u\u017e nelze dos\u00e1hnout na cel\u00fdch 100% hypot\u00e9ky, ale banky vy\u017eaduj\u00ed alespo\u0148 30% ceny nemovitosti financovat ze sv\u00fdch zdroj\u016f. V praxi to znamen\u00e1 jedin\u00e9, pokud se rozhodnete pro nemovitost v hodnot\u011b 3 000 000, alespo\u0148 300 000 mus\u00edte m\u00edt na\u0161et\u0159eno. Jinak nem\u00e1 cenu o hypot\u00e9ku v\u016fbec \u017e\u00e1dat, neusp\u011bli byste. Dal\u0161\u00edm probl\u00e9mem je pozemek, kter\u00fd ur\u010dit\u011b tak\u00e9 nen\u00ed zadarmo a na jeho po\u0159\u00edzen\u00ed bude pot\u0159eba dal\u0161\u00ed hypot\u00e9ka nebo n\u011bkter\u00fd z dlouhodob\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Ur\u010dit\u011b je v tomto p\u0159\u00edpad\u011b v\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ka na pozemek, nebo\u0165 nab\u00edz\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu ne\u017e spot\u0159ebitelsk\u00e9 \u00fav\u011bry. Ani ceny nemovitost\u00ed nejsou zanedbateln\u00fdm probl\u00e9mem, rostou doslova ka\u017ed\u00fdm okam\u017eikem. A zat\u00edmco za posledn\u00ed rok v mnoha jin\u00fdch ohledech utrp\u011bla tr\u017en\u00ed ekonomika enormn\u00ed ztr\u00e1ty, trh s realitami pokles s cenami nezaznamenal. Sn\u00ed\u017eily se ceny n\u00e1jm\u016f, ale koupi \u010di prodej nemovitost\u00ed pandemie koronaviru nijak z\u00e1sadn\u011b neovlivnila. P\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br a hlavn\u011b pro mlad\u00e9 rodiny m\u016f\u017ee b\u00fdt z\u00edsk\u00e1n\u00ed hypot\u00e9ky je\u0161t\u011b slo\u017eit\u011bj\u0161\u00ed ne\u017e doposud.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka jako prost\u0159edek k pln\u011bn\u00ed sn\u016f","item":"https:\/\/www.lomp.cz\/hypoteka-jako-prostredek-k-plneni-snu\/#breadcrumbitem"}]}]