[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.isscb.cz\/ziskat-hypoteku-nemusi-byt-nejjednodussi\/#Article","mainEntityOfPage":"https:\/\/www.isscb.cz\/ziskat-hypoteku-nemusi-byt-nejjednodussi\/","headline":"Z\u00edskat hypot\u00e9ku nemus\u00ed b\u00fdt nejjednodu\u0161\u0161\u00ed","name":"Z\u00edskat hypot\u00e9ku nemus\u00ed b\u00fdt nejjednodu\u0161\u0161\u00ed","description":"Hypot\u00e9ku si dnes bere \u010d\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed. Nen\u00ed se \u010demu divit. Hypot\u00e9ka je v sou\u010dasn\u00e9 dob\u011b pro drtivou v\u011bt\u0161inu rodin jedin\u00fd zp\u016fsob, jak m\u00edt vlastn\u00ed bydlen\u00ed a nez\u016fstat cel\u00fd \u017eivot v pron\u00e1jmu. Kdy\u017e se pod\u00edv\u00e1te na ty, kte\u0159\u00ed maj\u00ed vlastn\u00ed bydlen\u00ed, jak k n\u011bmu p\u0159i\u0161li? Bu\u010f ho zd\u011bdili, nebo z\u00edskali pen\u00edze od rodi\u010d\u016f …","datePublished":"2023-10-29","dateModified":"2023-11-30","author":{"@type":"Person","@id":"https:\/\/www.isscb.cz\/author\/#Person","name":"","url":"https:\/\/www.isscb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"isscb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.isscb.cz\/wp-content\/uploads\/josh-appel-NeTPASr-bmQ-unsplash_2.jpg","url":"https:\/\/www.isscb.cz\/wp-content\/uploads\/josh-appel-NeTPASr-bmQ-unsplash_2.jpg","height":0,"width":0},"url":"https:\/\/www.isscb.cz\/ziskat-hypoteku-nemusi-byt-nejjednodussi\/","about":["Finance"],"wordCount":412,"articleBody":"   Hypot\u00e9ku si dnes bere \u010d\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed. Nen\u00ed se \u010demu divit. Hypot\u00e9ka je v sou\u010dasn\u00e9 dob\u011b pro drtivou v\u011bt\u0161inu rodin jedin\u00fd zp\u016fsob, jak m\u00edt vlastn\u00ed bydlen\u00ed a nez\u016fstat cel\u00fd \u017eivot v pron\u00e1jmu.Kdy\u017e se pod\u00edv\u00e1te na ty, kte\u0159\u00ed maj\u00ed vlastn\u00ed bydlen\u00ed, jak k n\u011bmu p\u0159i\u0161li? Bu\u010f ho zd\u011bdili, nebo z\u00edskali pen\u00edze od rodi\u010d\u016f \u010di pomoc\u00ed d\u011bdictv\u00ed, nebo si pr\u00e1v\u011b vzali hypot\u00e9ku. Dne\u0161n\u00ed ceny dom\u016f a byt\u016f jsou na takov\u00e9 \u00farovni, \u017ee je prakticky nemo\u017en\u00e9 na n\u011b na\u0161et\u0159it sv\u00e9pomoc\u00ed pouze z jednoho platu. To je smutn\u00fd fakt.Faktem ale z\u016fst\u00e1v\u00e1 tak\u00e9 to, \u017ee mnoho lid\u00ed se ocitne v probl\u00e9mech i tehdy, kdy si jen cht\u011bj\u00ed vz\u00edt hypot\u00e9ku. Na to, abyste hypot\u00e9ku z\u00edskali, pot\u0159ebujete toti\u017e ji\u017e m\u00edt n\u011bjak\u00e9 pen\u00edze na\u0161et\u0159en\u00e9. \u017d\u00e1dn\u00e1 banka v\u00e1m ned\u00e1 100 % kupn\u00ed ceny domu nebo bytu. A aby v\u00e1m hypot\u00e9ku poskytli, cht\u011bj\u00ed uk\u00e1zat, \u017ee ji\u017e m\u00e1te n\u011bjak\u00e9 pen\u00edze na\u0161et\u0159en\u00e9, abyste si d\u016fm mohli opravdu zakoupit.Dejme tomu, \u017ee pot\u0159ebujete p\u016fj\u010dit dva miliony. Banka po v\u00e1s bude cht\u00edt 10 % z celkov\u00e9 ceny, ne\u017e v\u00e1m poskytne p\u016fj\u010dku. To znamen\u00e1 200 000 K\u010d.Oproti tomu, kdybyste m\u011bli na\u0161et\u0159it 2 000 000, je to nic, jenom\u017ee pro spoust\u011b lid\u00ed je probl\u00e9m na\u0161et\u0159it i tohle. A nav\u00edc, banka po v\u00e1s m\u016f\u017ee cht\u00edt i v\u00edce, ne\u017e jenom 10 %. A kdy\u017e bude cht\u00edt takov\u00fdch 20 %, u\u017e to m\u016f\u017ee b\u00fdt pro spoustu rodin opravdu ne\u0159e\u0161iteln\u00fd probl\u00e9m.Co tedy d\u011blat? Vyzkou\u0161ejte v\u00edce bank. Nechte si stanovit nab\u00eddku a d\u016fkladn\u011b si je porovnejte. Nab\u00eddky nebudou stejn\u00e9, budou se li\u0161it. M\u016f\u017eete se pak ve fin\u00e1le rozhodnout, kter\u00e1 nab\u00eddka je pro v\u00e1s nejv\u00fdhodn\u011bj\u0161\u00ed, a u kter\u00e9 jste schopni plnit podm\u00ednky.Existuj\u00ed i nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky. I ty v\u00e1m m\u016f\u017eou stanovit velmi zaj\u00edmavou nab\u00eddku. Nebojte se toho, \u017ee se jedn\u00e1 o nebankovn\u00ed spole\u010dnost. Mo\u017en\u00e1 v\u00e1m d\u00e1 je\u0161t\u011b lep\u0161\u00ed a pro v\u00e1s v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku, ne\u017e kter\u00e1koliv banka, u kter\u00e9 jste zkou\u0161eli o hypot\u00e9ku za\u017e\u00e1dat.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00edskat hypot\u00e9ku nemus\u00ed b\u00fdt nejjednodu\u0161\u0161\u00ed","item":"https:\/\/www.isscb.cz\/ziskat-hypoteku-nemusi-byt-nejjednodussi\/#breadcrumbitem"}]}]