[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.airdump.cz\/kdy-prichazi-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.airdump.cz\/kdy-prichazi-ten-spravny-cas-na-hypoteku\/","headline":"Kdy p\u0159ich\u00e1z\u00ed ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy p\u0159ich\u00e1z\u00ed ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"Velk\u00e9 \u017eivotn\u00ed pl\u00e1ny si pov\u011bt\u0161inou \u017e\u00e1daj\u00ed i pot\u0159ebn\u00fd obnos pen\u011bz na jejich realizaci. Jen m\u00e1lokdo m\u00e1 ale takov\u00fd obnos pen\u011bz schovan\u00fd doma pod matrac\u00ed. I z tohoto d\u016fvodu jsou hypote\u010dn\u00ed \u00fav\u011bry st\u00e1le obl\u00edben\u011bj\u0161\u00ed. Chcete si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed, cestovat nebo t\u0159eba studovat za hranicemi na\u0161\u00ed mal\u00e9 zem\u011b? Nen\u00ed nic jednodu\u0161\u0161\u00edho, ne\u017e po\u017e\u00e1dat banku o pot\u0159ebn\u00fd...","datePublished":"2022-01-17","dateModified":"2022-01-17","author":{"@type":"Person","@id":"https:\/\/www.airdump.cz\/author\/#Person","name":"","url":"https:\/\/www.airdump.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"airdump.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.airdump.cz\/wp-content\/uploads\/pexels-rodnae-productions-8292826.jpg","url":"https:\/\/www.airdump.cz\/wp-content\/uploads\/pexels-rodnae-productions-8292826.jpg","height":0,"width":0},"url":"https:\/\/www.airdump.cz\/kdy-prichazi-ten-spravny-cas-na-hypoteku\/","about":["Finance"],"wordCount":419,"articleBody":"   Velk\u00e9 \u017eivotn\u00ed pl\u00e1ny si pov\u011bt\u0161inou \u017e\u00e1daj\u00ed i pot\u0159ebn\u00fd obnos pen\u011bz na jejich realizaci. Jen m\u00e1lokdo m\u00e1 ale takov\u00fd obnos pen\u011bz schovan\u00fd doma pod matrac\u00ed. I z tohoto d\u016fvodu jsou hypote\u010dn\u00ed \u00fav\u011bry st\u00e1le obl\u00edben\u011bj\u0161\u00ed. Chcete si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed, cestovat nebo t\u0159eba studovat za hranicemi na\u0161\u00ed mal\u00e9 zem\u011b? Nen\u00ed nic jednodu\u0161\u0161\u00edho, ne\u017e po\u017e\u00e1dat banku o pot\u0159ebn\u00fd obnos pen\u011bz. Mo\u017en\u00e1 v\u00e1s nep\u0159ekvap\u00ed, \u017ee jsou to pr\u00e1v\u011b hypote\u010dn\u00ed \u00fav\u011bry, kter\u00e9 se v \u010cesk\u00e9 republice t\u011b\u0161\u00ed nejv\u011bt\u0161\u00ed oblib\u011b. Tvo\u0159\u00ed p\u0159ibli\u017en\u011b 50% v\u0161ech schv\u00e1len\u00fdch \u00fav\u011br\u016f. Jen\u017ee s nar\u016fstaj\u00edc\u00ed inflac\u00ed se podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky razantn\u011b zp\u0159\u00edsnily. Bohu\u017eel u\u017e d\u00e1vno neplat\u00ed, \u017ee hypot\u00e9ku z\u00edsk\u00e1 ka\u017ed\u00fd, kdo o ni p\u0159ijde po\u017e\u00e1dat. Jak z\u00edskat tu nejlevn\u011bj\u0161\u00ed hypot\u00e9ku?Z\u00e1kladem je plnoletostO hypot\u00e9ku je mo\u017en\u00e9 po\u017e\u00e1dat ji\u017e po dovr\u0161en\u00ed plnoletosti, nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice pak z\u00e1konem nijak bl\u00ed\u017ee stanoven\u00e1 nen\u00ed. Je v tom ale jeden h\u00e1\u010dek, krom v\u011bku \u017eadatele je d\u016fle\u017eit\u00e1 i finan\u010dn\u00ed minulost. Tu bude m\u00edt \u010derstv\u011b plnolet\u00fd \u017eadatel s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed minim\u00e1ln\u00ed. Jako ide\u00e1ln\u00ed v\u011bk banky pova\u017euj\u00ed v\u011bk kolem 30, kdy m\u00e1 \u017eadatel ji\u017e pot\u0159ebnou finan\u010dn\u00ed minulost, stabiln\u00ed zam\u011bstn\u00e1n\u00ed a tud\u00ed\u017e i nejlep\u0161\u00ed p\u0159edpoklady, aby \u00fav\u011br bez v\u011bt\u0161\u00edch probl\u00e9m\u016f spl\u00e1cel. S p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem se pak logicky vyhl\u00eddky na \u00fav\u011br sni\u017euj\u00ed. Pokud tedy chcete m\u00edt na spl\u00e1cen\u00ed hypot\u00e9ky alespo\u0148 20 let, je dobr\u00e9 o n\u00ed za\u017e\u00e1dat p\u0159ed dovr\u0161en\u00edm \u010dty\u0159ic\u00edtky. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky sice stanoven\u00e1 nen\u00ed, ale \u010desk\u00e1 n\u00e1rodn\u00ed banka vydala doporu\u010den\u00ed, v kter\u00e9m uv\u00e1d\u00ed, \u017ee ve\u0161ker\u00e9 z\u00e1vazky v\u016f\u010di v\u011b\u0159itel\u016fm by m\u011bly b\u00fdt splaceny do 65 roku \u017eivota dlu\u017en\u00edka. Finan\u010dn\u00ed stabilitaHypot\u00e9ka do zna\u010dn\u00e9 m\u00edry zat\u00ed\u017e\u00ed v\u00e1\u0161 rozpo\u010det, je tedy pochopiteln\u00e9, \u017ee se bude banka p\u0159ed schv\u00e1len\u00edm \u017e\u00e1dosti zaj\u00edmat o va\u0161e m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy i v\u00fddaje. Stabiln\u00ed p\u0159\u00edjem je jen jedn\u00edm z mnoha po\u017eadavk\u016f na klienty, kte\u0159\u00ed p\u0159i\u0161li do banky s \u017e\u00e1dost\u00ed o \u00fav\u011br.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy p\u0159ich\u00e1z\u00ed ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.airdump.cz\/kdy-prichazi-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]