[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/czechmademan.cz\/spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/czechmademan.cz\/spravny-cas-na-hypoteku\/","headline":"Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku","name":"Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku","description":"U\u017e del\u0161\u00ed dobu p\u0159em\u00fd\u0161l\u00edte o vlastn\u00edm bydlen\u00ed, ale chyb\u00ed v\u00e1m pot\u0159ebn\u00e9 finance k jeho realizov\u00e1n\u00ed? Ceny nemovitost\u00ed rostou doslova geometrickou \u0159adou a jen m\u00e1lokdo m\u016f\u017ee vlastn\u00ed d\u016fm po\u0159\u00eddit s vlastnoru\u010dn\u011b na\u0161et\u0159en\u00fdch pen\u011bz. Jak tedy tento finan\u010dn\u011b n\u00e1kladn\u00fd sen zafinancovat? V hlav\u011b se v\u00e1m jist\u011b hon\u00ed cel\u00e1 \u0159ada ot\u00e1zek: Dostanu hypot\u00e9ku Fahd? Budu j\u00ed schopen spl\u00e1cet?...","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/czechmademan.cz\/author\/#Person","name":"","url":"https:\/\/czechmademan.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"czechmademan.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/czechmademan.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20v%20dlani_3.jpg","url":"https:\/\/czechmademan.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20v%20dlani_3.jpg","height":0,"width":0},"url":"https:\/\/czechmademan.cz\/spravny-cas-na-hypoteku\/","about":["Web"],"wordCount":400,"articleBody":"        U\u017e del\u0161\u00ed dobu p\u0159em\u00fd\u0161l\u00edte o vlastn\u00edm bydlen\u00ed, ale chyb\u00ed v\u00e1m pot\u0159ebn\u00e9 finance k jeho realizov\u00e1n\u00ed? Ceny nemovitost\u00ed rostou doslova geometrickou \u0159adou a jen m\u00e1lokdo m\u016f\u017ee vlastn\u00ed d\u016fm po\u0159\u00eddit s vlastnoru\u010dn\u011b na\u0161et\u0159en\u00fdch pen\u011bz. Jak tedy tento finan\u010dn\u011b n\u00e1kladn\u00fd sen zafinancovat? V hlav\u011b se v\u00e1m jist\u011b hon\u00ed cel\u00e1 \u0159ada ot\u00e1zek: Dostanu hypot\u00e9ku Fahd? Budu j\u00ed schopen spl\u00e1cet? Nezat\u00ed\u017e\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky rodinn\u00fd rozpo\u010det p\u0159\u00edli\u0161? Pokud hled\u00e1te odpov\u011bdi, tento \u010dl\u00e1nek v\u00e1m je poskytne. Hypot\u00e9ka ano, ale do 35 letBanka m\u00e1 \u0159adu krit\u00e9ri\u00ed, podle kter\u00fdch posuzuje ka\u017ed\u00e9ho \u017eadatele o hypote\u010dn\u00ed \u00fav\u011br individu\u00e1ln\u011b. Jedn\u00edm z krit\u00e9ri\u00edch je i v\u011bk respondenta. Jak u\u017e to tak v bank\u00e1ch b\u00fdv\u00e1, v\u00fdhrou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani vysok\u00fd v\u011bk. Ide\u00e1ln\u00ed v\u011bk pro sjedn\u00e1n\u00ed hypot\u00e9ky je pak podle banky mezi 25 a 35 rokem \u017eivota. V tu dobu u\u017e m\u00e1 klient ur\u010ditou finan\u010dn\u00ed minulost a je pro banku vcelku jednoduch\u00e9 si vytvo\u0159it obraz o jeho m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u00edch a p\u0159\u00edjmech.\u010cesk\u00e1 n\u00e1rodn\u00ed banka nav\u00edc doporu\u010duje v\u0161em bankovn\u00edm instituc\u00edm horn\u00ed hranici 65 let, do kter\u00e9 by m\u011bly b\u00fdt ve\u0161ker\u00e9 \u00fav\u011bry splaceny. N\u011bkter\u00e9 banky, ale i \u0159ada nebankovn\u00edch spole\u010dnost\u00ed v\u0161ak na toto doporu\u010den\u00ed nebere z\u0159etel a hranici si upravuj\u00ed dle vlastn\u00edch intern\u00edch podm\u00ednek. Podm\u00ednky bankyKa\u017ed\u00e1 banka si upravuje podm\u00ednky pro v\u0161echny sv\u00e9 \u00fav\u011brov\u00e9 produkty, kter\u00e9 m\u00e1 moment\u00e1ln\u011b v nab\u00eddce. Jsou v\u0161ak i jist\u00e1 krit\u00e9ria, kter\u00e1 se nem\u011bn\u00ed a pokud nepochod\u00edte v jedn\u00e9 bance, nem\u00e1 p\u0159\u00edli\u0161 velk\u00fd smysl m\u00ed\u0159it pro p\u016fj\u010dku do dal\u0161\u00ed. D\u016fle\u017eit\u00e1 je prim\u00e1rn\u011b bilance \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, jako je v\u011bk, m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a v\u00fddaje nebo z\u00e1znamy v registrech dlu\u017en\u00edk\u016f.P\u0159\u00edjmy \u017eadatele jsou pro schv\u00e1len\u00ed \u00fav\u011bru kl\u00ed\u010dov\u00e9, banka v\u0161ak akceptuje pouze n\u011bkter\u00e9 z nich. P\u0159\u00edjmy ze soci\u00e1ln\u00edch d\u00e1vek, starobn\u00edho d\u016fchodu, pron\u00e1jmu nebo z pochybn\u00e9 \u010dinnosti \u017eadatele jsou pro banku neakceptovateln\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku","item":"https:\/\/czechmademan.cz\/spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]