[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.enyaorg.cz\/kdo-si-muze-dovolit-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.enyaorg.cz\/kdo-si-muze-dovolit-hypoteku\/","headline":"Kdo si m\u016f\u017ee dovolit hypot\u00e9ku?","name":"Kdo si m\u016f\u017ee dovolit hypot\u00e9ku?","description":"Po zp\u0159\u00edsn\u011bn\u00ed pravidel pro poskytov\u00e1n\u00ed hypot\u00e9k je pot\u0159eba m\u00edt na\u0161et\u0159en nemal\u00fd objem pen\u011bz, abyste o hypot\u00e9ce mohli s bankou v\u016fbec jednat. Jedn\u00e1 se minim\u00e1ln\u011b o cca 15 % z p\u016fj\u010dovan\u00e9 \u010d\u00e1stky, tedy kupn\u00ed ceny dan\u00e9 nemovitosti. Toto na\u0159\u00edzen\u00ed celkem eliminuje va\u0161e mo\u017enosti, proto\u017ee ne ka\u017ed\u00fd m\u00e1 naspo\u0159eno tolik, aby si mohl dovolit hypot\u00e9ku na koupi domu \u010di bytu (nap\u0159. mlad\u00e9 rodiny). Situace se t\u00edmto zp\u0159\u00edsn\u011bn\u00edm zhor\u0161ila hlavn\u011b ve velk\u00fdch m\u011bstech, kde jsou ceny nemovitost\u00ed nejvy\u0161\u0161\u00ed. Vlastn\u00ed rozpo\u010det P\u0159i zva\u017eov\u00e1n\u00ed hypot\u00e9ky","datePublished":"2018-08-12","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.enyaorg.cz\/author\/#Person","name":"enyaorg.cz\n","url":"https:\/\/www.enyaorg.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"enyaorg.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.enyaorg.cz\/wp-content\/uploads\/img_a322431_w2337_t1534067488.jpg","url":"https:\/\/www.enyaorg.cz\/wp-content\/uploads\/img_a322431_w2337_t1534067488.jpg","height":0,"width":0},"url":"https:\/\/www.enyaorg.cz\/kdo-si-muze-dovolit-hypoteku\/","about":["D\u016fm a zahrada"],"wordCount":543,"articleBody":"Po zp\u0159\u00edsn\u011bn\u00ed pravidel pro poskytov\u00e1n\u00ed hypot\u00e9k je pot\u0159eba m\u00edt na\u0161et\u0159en nemal\u00fd objem pen\u011bz, abyste o hypot\u00e9ce mohli s bankou v\u016fbec jednat. Jedn\u00e1 se minim\u00e1ln\u011b o cca 15 % z p\u016fj\u010dovan\u00e9 \u010d\u00e1stky, tedy kupn\u00ed ceny dan\u00e9 nemovitosti. Toto na\u0159\u00edzen\u00ed celkem eliminuje va\u0161e mo\u017enosti, proto\u017ee ne ka\u017ed\u00fd m\u00e1 naspo\u0159eno tolik, aby si mohl dovolit hypot\u00e9ku na koupi domu \u010di bytu (nap\u0159. mlad\u00e9 rodiny). Situace se t\u00edmto zp\u0159\u00edsn\u011bn\u00edm zhor\u0161ila hlavn\u011b ve velk\u00fdch m\u011bstech, kde jsou ceny nemovitost\u00ed nejvy\u0161\u0161\u00ed. Vlastn\u00ed rozpo\u010det P\u0159i zva\u017eov\u00e1n\u00ed hypot\u00e9ky je pot\u0159eba, aby si ka\u017ed\u00fd ud\u011blal jak\u00fdsi rozpo\u010det a m\u011bl p\u0159edstavu o tom, jak vysok\u00e9 m\u00e1 \u017eivotn\u00ed n\u00e1klady, tzn. kolik pen\u011bz pot\u0159ebuje na ob\u017eivu, n\u00e1jemn\u00e9, poplatky za elektriku, mobiln\u00ed telefon, internet a dal\u0161\u00ed z\u00e1lohy t\u00fdkaj\u00edc\u00ed se b\u011b\u017en\u00e9ho \u017eivota (voda, plyn, televizn\u00ed poplatky apod.). Ned\u00edlnou sou\u010d\u00e1st\u00ed rozpo\u010dtu jsou tak\u00e9 p\u0159\u00edjmy, pr\u016fm\u011brn\u00e9 p\u0159\u00edjmy za minul\u00fdch 12 m\u011bs\u00edc\u016f je tak\u00e9 nutno dolo\u017eit bance. Ka\u017ed\u00fd by se m\u011bl rovn\u011b\u017e zamyslet nad t\u00edm, zda je jeho zam\u011bstn\u00e1n\u00ed stabiln\u00ed a p\u0159in\u00e1\u0161\u00ed pravideln\u00fd a spolehliv\u00fd p\u0159\u00edjem. Na r\u016fzn\u00fdch internetov\u00fdch port\u00e1lech funguj\u00ed tzv. \u201ehypote\u010dn\u00ed kalkula\u010dky\u201c. Zde si zad\u00e1te v\u00fd\u0161i \u00fav\u011bru, kter\u00fd po\u017eadujete a vypln\u00edte p\u0159ibli\u017enou \u00farokovou sazbu. Ta se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 2,2 %, m\u016f\u017ee se ale u r\u016fzn\u00fdch bank v z\u00e1vislosti na aktu\u00e1ln\u00ed nab\u00eddce li\u0161it. D\u00e1le vypln\u00edte po\u010det let, po kter\u00e9 budete muset \u00fav\u011br spl\u00e1cet a pot\u00e9 v\u00e1m vyjde, jak vysokou spl\u00e1tku budete ka\u017ed\u00fd m\u011bs\u00edc muset spl\u00e1cet. Hypote\u010dn\u00ed \u00fav\u011br m\u016f\u017ee b\u00fdt zafixov\u00e1n na ur\u010ditou dobu, po tuto dobu v\u00e1m z\u016fst\u00e1vaj\u00ed stejn\u00e9 spl\u00e1tky i \u00farokov\u00e1 sazba a z\u00e1rove\u0148 nen\u00ed v\u00fdhodn\u00e9 \u00fav\u011br cel\u00fd p\u0159ed\u010dasn\u011b splatit. Hypot\u00e9ky se po skon\u010den\u00ed fixa\u010dn\u00ed lh\u016fty daj\u00ed refinancovat, tzn., \u017ee si v podstat\u011b sjedn\u00e1te hypot\u00e9ku znovu za jin\u00fdch podm\u00ednek. Nov\u011b lze tak\u00e9 ka\u017ed\u00fd rok splatit bez poplatk\u016f a\u017e 25 % z hodnoty hypot\u00e9ky, nen\u00ed tedy pot\u0159eba \u010dekat do konce fixa\u010dn\u00edho obdob\u00ed. To je pro ty, kte\u0159\u00ed by m\u011bli n\u011bjakou finan\u010dn\u00ed rezervu \u010di vedlej\u0161\u00ed p\u0159\u00edjmy, kter\u00fdmi by mohli dan\u00fd \u00fav\u011br sn\u00ed\u017eit a pon\u00ed\u017eit si tak tak\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku. Z\u00e1v\u011brem je tedy nutno \u0159\u00edci, \u017ee ve\u0161ker\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy by tedy m\u011bly pokr\u00fdt v\u0161echny m\u011bs\u00ed\u010dn\u00ed v\u00fddaje v\u010detn\u011b spl\u00e1tky hypote\u010dn\u00edho \u00fav\u011bru a m\u011bla by zb\u00fdt je\u0161t\u011b n\u011bjak\u00e1 \u010d\u00e1stka na \u0161et\u0159en\u00ed nebo jin\u00e9 v\u00fddaje. Z\u00e1rove\u0148 byste nem\u011bli ve\u0161ker\u00e9 \u00faspory tzv. \u201enal\u00edt\u201c do hypot\u00e9ky, ale m\u011bli byste si nechat tzv. \u201epol\u0161t\u00e1\u0159\u201c na neo\u010dek\u00e1van\u00e9 v\u00fddaje (nap\u0159. rozbije se v\u00e1m pra\u010dka, nebo ledni\u010dka…).                                                                                                                                                                                                                                                                                                                                                                                         4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo si m\u016f\u017ee dovolit hypot\u00e9ku?","item":"https:\/\/www.enyaorg.cz\/kdo-si-muze-dovolit-hypoteku\/#breadcrumbitem"}]}]