[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.enyaorg.cz\/obratte-se-na-specialistu\/#Article","mainEntityOfPage":"https:\/\/www.enyaorg.cz\/obratte-se-na-specialistu\/","headline":"Obra\u0165te se na specialistu","name":"Obra\u0165te se na specialistu","description":"A\u0165 u\u017e uva\u017eujete o koupi nebo rekonstrukci a v\u00edte, \u017ee vlastn\u00ed prost\u0159edky v\u00e1m sta\u010dit nebudou, ur\u010dit\u011b budete hledat odbornou pomoc a radu u n\u011bkoho, kdo se dob\u0159e orientuje v oblasti hypot\u00e9k Hypote\u010dn\u00ed specialista Pokud se budete sna\u017eit naj\u00edt tu pravou hypot\u00e9ku, jsou zde on-line kalkula\u010dky, ale ty v\u00e1m poskytnou opravdu jen orienta\u010dn\u00ed v\u00fdpo\u010dty, se v\u0161\u00edm ostatn\u00edm si ale mus\u00edte poradit sami. Hypote\u010dn\u00ed specialista je odborn\u00edk, kter\u00fd m\u00e1 p\u0159ehled o hypot\u00e9k\u00e1ch nab\u00edzen\u00fdch na trhu a dok\u00e1\u017ee v\u00e1m p\u0159esn\u011b, tzv. na m\u00edru,","datePublished":"2025-02-28","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_a313569_w2337_t1524388872.jpg","url":"https:\/\/www.enyaorg.cz\/wp-content\/uploads\/img_a313569_w2337_t1524388872.jpg","height":0,"width":0},"url":"https:\/\/www.enyaorg.cz\/obratte-se-na-specialistu\/","about":["Ekonomika"],"wordCount":412,"articleBody":" A\u0165 u\u017e uva\u017eujete o koupi nebo rekonstrukci a v\u00edte, \u017ee vlastn\u00ed prost\u0159edky v\u00e1m sta\u010dit nebudou, ur\u010dit\u011b budete hledat odbornou pomoc a radu u n\u011bkoho, kdo se dob\u0159e orientuje v oblasti hypot\u00e9k Hypote\u010dn\u00ed specialista Pokud se budete sna\u017eit naj\u00edt tu pravou hypot\u00e9ku, jsou zde on-line kalkula\u010dky, ale ty v\u00e1m poskytnou opravdu jen orienta\u010dn\u00ed v\u00fdpo\u010dty, se v\u0161\u00edm ostatn\u00edm si ale mus\u00edte poradit sami. Hypote\u010dn\u00ed specialista je odborn\u00edk, kter\u00fd m\u00e1 p\u0159ehled o hypot\u00e9k\u00e1ch nab\u00edzen\u00fdch na trhu a dok\u00e1\u017ee v\u00e1m p\u0159esn\u011b, tzv. na m\u00edru, naj\u00edt tu nejv\u00fdhodn\u011bj\u0161\u00ed, porad\u00ed jak s poji\u0161t\u011bn\u00edm, tak s ve\u0161ker\u00fdmi smlouvami a z\u00e1pisy na katastru nemovitost\u00ed, posoud\u00ed a porovn\u00e1 nab\u00edzen\u00e9 produkty bankovn\u00edch \u00fastav\u016f. Takov\u00fdm specialistou m\u016f\u017ee b\u00fdt i certifikovan\u00fd makl\u00e9\u0159. Z\u00e1kazn\u00edkovi tak krom\u011b finan\u010dn\u00edch prost\u0159edk\u016f u\u0161et\u0159\u00ed i spoustu \u010dasu, nebo\u0165 se na trhu s hypot\u00e9kami dob\u0159e orientuje, zohledn\u00ed p\u0159\u00edjmy rodiny a t\u00edm mo\u017enosti ohledn\u011b v\u00fd\u0161e spl\u00e1tky, zajist\u00ed p\u0159\u00edpravu nutn\u00fdch dokument\u016f v\u010detn\u011b zaji\u0161t\u011bn\u00ed odhadce. M\u011bl by si um\u011bt i s nestandardn\u00edmi situacemi a p\u0159\u00e1n\u00edmi z\u00e1kazn\u00edka, p\u0159\u00edp. se postarat i o refinancov\u00e1n\u00ed ji\u017e poskytnut\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru.Hypot\u00e9ka  Pokud se rozhodnete pro hypot\u00e9ku, mus\u00edte m\u00edt jasno v tom, zda se budete pou\u0161t\u011bt do rekonstrukce, stavby nov\u00e9ho domku nebo koup\u011b bytu. Bankovn\u00edmi spole\u010dnostmi jsou nab\u00edzeny \u00faroky ji\u017e od 2,5% ro\u010dn\u011b s RPSN 2,77% (u \u010d\u00e1stek od jednoho milionu K\u010d v\u00fd\u0161e), fixace je mo\u017en\u00e1 na dobu t\u0159\u00ed a\u017e deseti let, \u010d\u00e1stka je poskytov\u00e1na do 80% hodnoty dan\u00e9 nemovitosti. U n\u011bkter\u00e9 z bank dostanete v r\u00e1mci uzav\u0159en\u00ed hypote\u010dn\u00edho \u00fav\u011bru i poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed n\u00e1sledkem \u00farazu zdarma. U v\u011bt\u0161iny pen\u011b\u017en\u00edch \u00fastav\u016f jsou do hypot\u00e9ky zahrnuty i slu\u017eby odhadce. V\u00fdhodou jsou i mo\u017enosti mimo\u0159\u00e1dn\u00fdch spl\u00e1tek se zachovanou fixac\u00ed. V leto\u0161n\u00edm roce do\u0161lo u hypot\u00e9k ke zm\u011bn\u00e1m, ta nejpodstatn\u011bj\u0161\u00ed je, \u017ee poskytnut\u00e9 finance jsou do v\u00fd\u0161e 90% ceny nemovitosti a dal\u0161\u00edch 10% mus\u00edte d\u00e1t tzv. ze sv\u00fdch prost\u0159edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                         4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Obra\u0165te se na specialistu","item":"https:\/\/www.enyaorg.cz\/obratte-se-na-specialistu\/#breadcrumbitem"}]}]