[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.matto.cz\/banka-vam-nepujci\/#Article","mainEntityOfPage":"https:\/\/www.matto.cz\/banka-vam-nepujci\/","headline":"Banka v\u00e1m nep\u016fj\u010d\u00ed?","name":"Banka v\u00e1m nep\u016fj\u010d\u00ed?","description":"Hypot\u00e9ku neb\u00edz\u00ed dnes u\u017e asi ka\u017ed\u00e1 banka. Poskytov\u00e1n\u00ed \u00fav\u011br\u016f a hypot\u00e9k je hlavn\u00ed zdroj jejich p\u0159\u00edjm\u016f, proto\u017ee u ka\u017ed\u00e9ho produktu z nab\u00eddky<p class=\"link-more\"><a class=\"myButt \" href=\"https:\/\/www.matto.cz\/banka-vam-nepujci\/\">Read More<\/a><\/p>","datePublished":"2024-01-26","dateModified":"2024-02-26","author":{"@type":"Person","@id":"https:\/\/www.matto.cz\/author\/#Person","name":"","url":"https:\/\/www.matto.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"matto.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.matto.cz\/wp-content\/uploads\/new-home-1664272_640_10_10_9.jpg","url":"https:\/\/www.matto.cz\/wp-content\/uploads\/new-home-1664272_640_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.matto.cz\/banka-vam-nepujci\/","about":["Pen\u00edze"],"wordCount":394,"articleBody":"   Hypot\u00e9ku neb\u00edz\u00ed dnes u\u017e asi ka\u017ed\u00e1 banka. Poskytov\u00e1n\u00ed \u00fav\u011br\u016f a hypot\u00e9k je hlavn\u00ed zdroj jejich p\u0159\u00edjm\u016f, proto\u017ee u ka\u017ed\u00e9ho produktu z nab\u00eddky mus\u00ed dlu\u017en\u00edk hradit \u00faroky, kter\u00e9 jsou celkem dost vysok\u00e9. \u00darokov\u00e1 sazba v posledn\u00edch letech vzrostla na sv\u00e9 maximum, jako by nesta\u010dilo \u017ee se rapidn\u011b zv\u00fd\u0161ily n\u00e1klady na z\u00e1kladn\u00ed \u017eivotn\u00ed pot\u0159eby. To m\u00e1 samoz\u0159ejm\u011b vlvi i na cenu nemovitost\u00ed, kter\u00e9 u\u017e celou \u0159adu m\u011bs\u00edc\u016f za sebou trhaj\u00ed rekordy.Z\u00edskat vlastn\u00ed bydlen\u00ed dnes nen\u00ed nic jednoduch\u00e9ho. Banky si velice pe\u010dliv\u011b prov\u011b\u0159uj\u00ed ka\u017ed\u00e9ho, kdo o hypot\u00e9ku \u017e\u00e1d\u00e1. Je nutn\u00e9 splnit z\u00e1kladn\u00ed podm\u00ednky, aby \u010dlov\u011bk hypot\u00e9ku z\u00edskal &#8211; je nutn\u00e9 m\u00edt platnou pracovn\u00ed smlouvu s ukon\u010denou zku\u0161ebn\u00ed dobou (mnoh\u00e9 banky vy\u017eaduj\u00ed smlouvu na dobu neur\u010ditou), \u017e\u00e1dn\u00e9 dluhy v podob\u011b jin\u00fdch \u00fav\u011br\u016f (i kdyby to bylo p\u00e1r tis\u00edc) a je nutn\u00ed splnit i jednu z pom\u011brn\u011b nov\u00fdch podm\u00ednek, mezi kter\u00e9 pat\u0159\u00ed:Vlastnictv\u00ed stavebn\u00edho pozemkuVlastnictv\u00ed domu k rekonstrukciNebo naspo\u0159en\u00e1 pom\u011brn\u00e1 \u010d\u00e1stka v\u016f\u010di \u017e\u00e1dan\u00e9mu objemu pen\u011bzTyto podm\u00ednky byly p\u0159ijaty teprve ned\u00e1vno, ale do\u0161lo kv\u016fli nim o sn\u00ed\u017een\u00ed po\u010dtu sjednan\u00fdch hypot\u00e9k. Lid\u00e9 si dnes dvakr\u00e1t rozmysl\u00ed ne\u017e si hypot\u00e9ku vezmou, proto\u017ee jde o z\u00e1vazek na 10 a v\u00edce let. Ne\u017e n\u011bjakou hypot\u00e9ku podep\u00ed\u0161ete, je nutn\u00e9 si po\u0159\u00e1dn\u011b pro\u010d\u00edst obsah smlouvy, a to i kdy\u017e p\u0159edm\u011btem smlouvy bude nebankovn\u00ed hypot\u00e9ka, kterou lze vyu\u017e\u00edt nejen na financov\u00e1n\u00ed bydlen\u00ed.Hitem posledn\u00edch let je americk\u00e1 hypot\u00e9ka, kterou lze vyu\u017e\u00edt na cokoliv, nejen na bydlen\u00ed. Samotn\u00e9 banky ji ale v\u011bt\u0161inou nenab\u00edzej\u00ed a nebo ji p\u0159\u00edli\u0161 \u010dasto neposkytuj\u00ed, a pro jej\u00ed z\u00edsk\u00e1n\u00ed mus\u00edte nav\u0161t\u00edvit nebankovn\u00ed spole\u010dnost. Pomoc\u00ed \u00fav\u011bru m\u016f\u017eete z\u00edskat bydlen\u00ed nebo t\u0159eba nov\u00e9 auto, pokud nechcete platit spl\u00e1tky nebo leasing, americk\u00e1 hypot\u00e9ka m\u016f\u017ee m\u00edt mnohdy daleko lep\u0161\u00ed podm\u00ednky, a ve v\u00fdsledku m\u016f\u017eete p\u0159eplatit m\u00e9n\u011b ne\u017e u b\u011b\u017en\u00e9ho \u00fav\u011bru. To si ale mus\u00edte zjistit a srovnat sami.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Banka v\u00e1m nep\u016fj\u010d\u00ed?","item":"https:\/\/www.matto.cz\/banka-vam-nepujci\/#breadcrumbitem"}]}]