[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.monamie.cz\/hypoteka-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.monamie.cz\/hypoteka-pro-kazdeho\/","headline":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","description":"Hypot\u00e9ka je v posledn\u00edch n\u011bkolika letech velmi \u017e\u00e1dan\u00fdm produktem, ale na druhou stranu i st\u00e1le nedostupn\u011bj\u0161\u00edm. Ceny nemovitost\u00ed rostou astronomickou rychlost\u00ed, podm\u00ednky hypot\u00e9k ze zp\u0159\u00eds\u0148uj\u00ed a splnit si sen o &hellip; <div class=\"bht1\"><a href=\"https:\/\/www.monamie.cz\/hypoteka-pro-kazdeho\/\">\u010c\u00edst d\u00e1le<span class=\"screen-reader-text\"> \"Hypot\u00e9ka pro ka\u017ed\u00e9ho?\"<\/span><\/a><\/div>","datePublished":"2021-03-16","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.monamie.cz\/author\/#Person","name":"","url":"https:\/\/www.monamie.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"monamie.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.monamie.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_7.jpg","url":"https:\/\/www.monamie.cz\/wp-content\/uploads\/nov%C3%A9%20bydlen%C3%AD_7.jpg","height":0,"width":0},"url":"https:\/\/www.monamie.cz\/hypoteka-pro-kazdeho\/","about":["Ekonomika"],"wordCount":409,"articleBody":"   Hypot\u00e9ka je v posledn\u00edch n\u011bkolika letech velmi \u017e\u00e1dan\u00fdm produktem, ale na druhou stranu i st\u00e1le nedostupn\u011bj\u0161\u00edm. Ceny nemovitost\u00ed rostou astronomickou rychlost\u00ed, podm\u00ednky hypot\u00e9k ze zp\u0159\u00eds\u0148uj\u00ed a splnit si sen o vlastn\u00edm bydlen\u00ed m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e se zd\u00e1. V sou\u010dasnosti je n trhu p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Tomu uzp\u016fsobuj\u00ed i svou nab\u00eddku \u00fav\u011brov\u00fdch produkt\u016f, kter\u00e1 je ka\u017ed\u00fdm rokem pest\u0159ej\u0161\u00ed a zaj\u00edmav\u011bj\u0161\u00ed. Proti nim ale stoj\u00ed slo\u017eit\u00e1 legislativa \u010cNB, kter\u00e1 ukl\u00e1d\u00e1 v\u0161em bank\u00e1m povinnost ka\u017ed\u00e9ho \u017eadatele dostate\u010dn\u011b prov\u011b\u0159it, zda je schopen \u00fav\u011br v\u016fbec spl\u00e1cet. Rozhoduj\u00edc\u00edm faktorem je bonita klienta, kterou ovliv\u0148uje v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, v\u011bk \u017eadatele, dal\u0161\u00ed z\u00e1vazky nebo z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Za zam\u00edtnutou \u017e\u00e1dost\u00ed tak nestoj\u00ed neochota bank, ale slo\u017eit\u00e1 legislativa, kter\u00e9 se mus\u00ed bankovn\u00ed i nebankovn\u00ed subjekty pod\u0159\u00eddit.Jak tedy z\u00edskat co mo\u017en\u00e1 nejv\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ku? Jak u\u017e bylo v\u00fd\u0161e zm\u00edn\u011bno, hypot\u00e9ka je v sou\u010dasnosti m\u00e9n\u011b dostupn\u00e1 produkt, ne\u017e tomu bylo v dob\u00e1ch minul\u00fdch. Na hypot\u00e9ku rozhodn\u011b nedos\u00e1hne ka\u017ed\u00fd, kdo vkro\u010d\u00ed s \u017e\u00e1dost\u00ed do banky. Je tomu sp\u00ed\u0161e naopak. Co je tedy pot\u0159eba spl\u0148ovat, aby v\u00e1m banka \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br schv\u00e1lila?V\u011bkov\u00e1 hraniceV \u010cesk\u00e9 republice je minim\u00e1ln\u00ed v\u011bk, kdy je mo\u017en\u00e9 \u017e\u00e1dat o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt, stanoven na 18 let. Horn\u00ed v\u011bkovou hranici u\u017e z\u00e1kon nijak bl\u00ed\u017ee nespecifikuje, je v\u017edy na stanoven\u00fdch podm\u00ednk\u00e1ch konkr\u00e9tn\u00edho subjektu. Jinak je tomu i u nebankovn\u00ed hypot\u00e9ky fahd.cz, kdy b\u00fdvaj\u00ed podm\u00ednky mnohdy o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed, ne\u017e je tomu v bankovn\u00edm sektoru. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je pro banku kl\u00ed\u010dov\u00fd, nebo\u0165 p\u0159edstavuje jakousi schopnost \u017eadatele dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by p\u0159\u00edpadn\u011b v\u016f\u010di bance m\u011bl. V p\u0159\u00edpad\u011b, kdy se \u017eadatel zaj\u00edm\u00e1 o \u00fav\u011br ji\u017e v postproduktivn\u00edm v\u011bku nebo naopak je\u0161t\u011b v dob\u011b studi\u00ed, v\u011bt\u0161inou odejde s nepo\u0159\u00edzenou.                                                                                                                                                                                                                                                                                                                                                                                           3.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","item":"https:\/\/www.monamie.cz\/hypoteka-pro-kazdeho\/#breadcrumbitem"}]}]