[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tisina.cz\/kdy-je-ten-spravny-cas-zazadat-o-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.tisina.cz\/kdy-je-ten-spravny-cas-zazadat-o-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das za\u017e\u00e1dat o hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das za\u017e\u00e1dat o hypot\u00e9ku?","description":"Se st\u00e1le se zvy\u0161uj\u00edc\u00ed inflac\u00ed a cen nemovitost\u00ed je dnes velmi n\u00e1ro\u010dn\u00e9 dos\u00e1hnout na vlastn\u00ed nemovitost. Zvl\u00e1\u0161t\u011b v n\u011bkter\u00fdch krajsk\u00fdch m\u011bstech se za posledn\u00ed rok jejich cena i zdvojn\u00e1sobila. To znamen\u00e1 jedin\u00e9, bydlen\u00ed v centrech hlavn\u00edch m\u011bst se st\u00e1v\u00e1 pro st\u0159edn\u00ed t\u0159\u00eddu \u010d\u00edm d\u00e1l nedostupn\u011bj\u0161\u00ed. Proto se mnohdy mus\u00ed spokojit s okrajov\u00fdmi oblastmi, kter\u00e9 nenab\u00edz\u00ed […]","datePublished":"2021-10-22","dateModified":"2023-06-15","author":{"@type":"Person","@id":"https:\/\/www.tisina.cz\/author\/#Person","name":"","url":"https:\/\/www.tisina.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d89f66f31d15c86aaa67b2d500e11b783534f791bc2a93dd89895a03d043c162?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d89f66f31d15c86aaa67b2d500e11b783534f791bc2a93dd89895a03d043c162?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tisina.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tisina.cz\/wp-content\/uploads\/pexels-pixabay-277667%20(1).jpg","url":"https:\/\/www.tisina.cz\/wp-content\/uploads\/pexels-pixabay-277667%20(1).jpg","height":0,"width":0},"url":"https:\/\/www.tisina.cz\/kdy-je-ten-spravny-cas-zazadat-o-hypoteku\/","about":["Pen\u00edze"],"wordCount":392,"articleBody":"              Se st\u00e1le se zvy\u0161uj\u00edc\u00ed inflac\u00ed a cen nemovitost\u00ed je dnes velmi n\u00e1ro\u010dn\u00e9 dos\u00e1hnout na vlastn\u00ed nemovitost. Zvl\u00e1\u0161t\u011b v n\u011bkter\u00fdch krajsk\u00fdch m\u011bstech se za posledn\u00ed rok jejich cena i zdvojn\u00e1sobila. To znamen\u00e1 jedin\u00e9, bydlen\u00ed v centrech hlavn\u00edch m\u011bst se st\u00e1v\u00e1 pro st\u0159edn\u00ed t\u0159\u00eddu \u010d\u00edm d\u00e1l nedostupn\u011bj\u0161\u00ed. Proto se mnohdy mus\u00ed spokojit s okrajov\u00fdmi oblastmi, kter\u00e9 nenab\u00edz\u00ed tak velkou ob\u010danskou vybavenost. I tak ale m\u016f\u017ee b\u00fdt investice do vlastn\u00edho bydlen\u00ed velmi n\u00e1ro\u010dn\u00e1 a je proto ta spr\u00e1vn\u00e1 chv\u00edle za\u010d\u00edt uva\u017eovat o hypot\u00e9ce. Kdy se pro n\u00ed rozhodnout?  Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed nen\u00ed asi zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat, je produktem v\u011bt\u0161iny na\u0161ich bank. Jedn\u00e1 se v\u0161ak o velk\u00fd z\u00e1vazek, kter\u00fd je pov\u011bt\u0161inou na\u0161\u00ed sou\u010d\u00e1st\u00ed po v\u011bt\u0161inu produktivn\u00edho \u017eivota. V sou\u010dasn\u00e9 dob\u011b je mo\u017en\u00e9 splatnost hypot\u00e9ky nastavit a\u017e na 30 let. Tomu samoz\u0159ejm\u011b odpov\u00edd\u00e1 i v\u00fd\u0161e spl\u00e1tek, kter\u00e1 je v tomto p\u0159\u00edpad\u011b co mo\u017en\u00e1 nejni\u017e\u0161\u00ed a ovlivn\u00ed rodinn\u00fd rozpo\u010det co mo\u017en\u00e1 nejmen\u0161\u00ed m\u011brou.  Hypot\u00e9ka sjednan\u00e1 kolem 30 roku \u017eivota I kdy\u017e jsme ka\u017ed\u00fd rozd\u00edln\u00fd a na hypot\u00e9ku pohl\u00ed\u017e\u00edme z hlediska v\u011bku jinak, bankovn\u00ed instituce v tomto ohledu maj\u00ed jasno. Nejni\u017e\u0161\u00ed v\u011bkov\u00e1 hranice, kdy je mo\u017en\u00e9 za\u017e\u00e1dat o \u00fav\u011br je v \u010cesk\u00e9 republice plnoletost, tj. 18 let. Nejvy\u0161\u0161\u00ed u\u017e pak z\u00e1konem nijak stanoven\u00e1 nen\u00ed, je ale mo\u017en\u00e9 orientovat se podle doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky. To \u0159\u00edk\u00e1, \u017ee ve\u0161ker\u00e9 pohled\u00e1vky v\u016f\u010di dlu\u017en\u00edkovi by m\u011bly b\u00fdt splaceny do 65 let v\u011bku dlu\u017en\u00edka. Ov\u0161em je pot\u0159eba \u0159\u00edci, \u017ee mnoho poskytovatel\u016f \u00fav\u011br\u016f se t\u00edmto doporu\u010den\u00edm ne\u0159\u00edd\u00ed a sami si tuto hranici upravuj\u00ed. Nen\u00ed tak v\u00fdjimkou i podstatn\u011b vy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice.   Hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti Mo\u017en\u00e1 jste si ji\u017e stihli v\u0161imnout, \u017ee tzv. americkou hypot\u00e9ku m\u00e1 ve sv\u00e9 st\u00e1l\u00e9 nab\u00eddce i \u0159ada nebankovn\u00edch spole\u010dnost\u00ed. Nebankovn\u00ed americk\u00e9 hypot\u00e9ky Hypotekybezregistru nab\u00edz\u00ed benevolentn\u011bj\u0161\u00ed podm\u00ednky, ne\u017e je tomu v bankovn\u00edch instituc\u00edch.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das za\u017e\u00e1dat o hypot\u00e9ku?","item":"https:\/\/www.tisina.cz\/kdy-je-ten-spravny-cas-zazadat-o-hypoteku\/#breadcrumbitem"}]}]