[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.blokna.cz\/podminky-pro-ziskani-hypoteky-se-s-kazdym-rokem-zprisnuji\/#Article","mainEntityOfPage":"https:\/\/www.blokna.cz\/podminky-pro-ziskani-hypoteky-se-s-kazdym-rokem-zprisnuji\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed","description":"Nen\u00ed tomu tak d\u00e1vno, kdy \u017eadatel\u00e9 mohli z\u00edskat cel\u00fdch 100% hypot\u00e9ky, v sou\u010dasn\u00e9 dob\u011b u\u017e je to pouze 70%, kdy<span class=\"more-button\"><a href=\"https:\/\/www.blokna.cz\/podminky-pro-ziskani-hypoteky-se-s-kazdym-rokem-zprisnuji\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed<\/span><\/a><\/span>","datePublished":"2021-05-28","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.blokna.cz\/author\/#Person","name":"","url":"https:\/\/www.blokna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"blokna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.blokna.cz\/wp-content\/uploads\/pl%C3%A1n%20domu_1.jpg","url":"https:\/\/www.blokna.cz\/wp-content\/uploads\/pl%C3%A1n%20domu_1.jpg","height":0,"width":0},"url":"https:\/\/www.blokna.cz\/podminky-pro-ziskani-hypoteky-se-s-kazdym-rokem-zprisnuji\/","about":["Ekonomika"],"wordCount":399,"articleBody":"       Nen\u00ed tomu tak d\u00e1vno, kdy \u017eadatel\u00e9 mohli z\u00edskat cel\u00fdch 100% hypot\u00e9ky, v sou\u010dasn\u00e9 dob\u011b u\u017e je to pouze 70%, kdy zbyl\u00fdch 30% mus\u00ed hradit z vlastn\u00edch \u00faspor. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se v\u0161ak neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a p\u0159ib\u00fdv\u00e1 po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. A i kdy\u017e je na trhu p\u0159ebytek likvidity, mnoho \u017eadatel\u016f nakonec odch\u00e1z\u00ed dom\u016f s nepo\u0159\u00edzenou. Podm\u00ednky stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 je upravuje dle aktu\u00e1ln\u00ed ekonomick\u00e9 situaci v zemi. Naposledy tak konala v dubnu lo\u0148sk\u00e9ho roku, kdy reagovala na opat\u0159en\u00ed na\u0161\u00ed vl\u00e1dy. Jak u\u017e bylo \u0159e\u010deno, z\u00e1kladn\u00ed podm\u00ednky jsou v rukou \u010cesk\u00e9 n\u00e1rodn\u00ed banky, dal\u0161\u00ed intern\u00ed podm\u00ednky si nastavuj\u00ed v\u011b\u0159itel\u00e9 individu\u00e1ln\u011b dle sv\u00fdch pot\u0159eb. Prim\u00e1rn\u011b je nastavuj\u00ed tak, aby m\u011bly co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed jistotu, \u017ee se jim p\u016fj\u010den\u00e9 pen\u00edze navr\u00e1t\u00ed zp\u011bt. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek, se kter\u00fdmi se setk\u00e1me t\u00e9m\u011b\u0159 u v\u0161ech bankovn\u00edch spole\u010dnost\u00ed. Ka\u017ed\u00fd z poskytovatel\u016f v\u0161ak na sv\u00e9 \u017eadatele klade p\u0159eci jenom jin\u00e9 n\u00e1roky. Neznamen\u00e1 tak, \u017ee pokud u jednoho v\u011b\u0159itele neusp\u011bjete, jinde bude z\u00e1v\u011br toto\u017en\u00fd. V\u011bkMinim\u00e1ln\u00ed v\u011bk pro schv\u00e1len\u00ed hypot\u00e9ky je pevn\u011b stanoven\u00fd z\u00e1konem \u2013 18 let. Nejvy\u0161\u0161\u00ed hranici u\u017e z\u00e1kon nijak bl\u00ed\u017ee nespecifikuje, je v\u0161ak mo\u017en\u00e9 se orientovat podle doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ta ostatn\u00edm v\u011b\u0159itel\u016fm doporu\u010duje horn\u00ed v\u011bkovou hranic, do kter\u00e9 by m\u011bly b\u00fdt v\u0161echny pohled\u00e1vky ze strany dlu\u017en\u00edka splaceny. Aktu\u00e1ln\u011b se tato hranice pohybuje kolem 65 let. P\u0159\u00edjemAby bylo mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet, je zapot\u0159eb\u00ed pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Zde neexistuje spr\u00e1vn\u00e1 suma, je v\u0161ak zapot\u0159eb\u00ed, aby v\u00fddaje spole\u010dn\u011b se spl\u00e1tkami hypot\u00e9ky nep\u0159es\u00e1hly p\u0159\u00edjmy \u017eadatele. N\u011bkdy jsou banky p\u0159eci jenom neoblomn\u00e9 a v takov\u00e9m p\u0159\u00edpad\u011b je snaz\u0161\u00ed s\u00e1hnout pro nab\u00eddce n\u011bkter\u00e9 z nebankovn\u00edch instituc\u00ed. Jednou z mo\u017enost\u00ed je nap\u0159\u00edklad hypot\u00e9ka bez registru, kter\u00e1 c\u00edl\u00ed na \u017eadatele se \u0161patnou platebn\u00ed minulost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed","item":"https:\/\/www.blokna.cz\/podminky-pro-ziskani-hypoteky-se-s-kazdym-rokem-zprisnuji\/#breadcrumbitem"}]}]