[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.falvo.cz\/co-delat-kdyz-banka-neschvali-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.falvo.cz\/co-delat-kdyz-banka-neschvali-hypoteku\/","headline":"Co d\u011blat, kdy\u017e banka neschv\u00e1l\u00ed hypot\u00e9ku?","name":"Co d\u011blat, kdy\u017e banka neschv\u00e1l\u00ed hypot\u00e9ku?","description":"Rozhodli jste se s partnerem \u010di partnerkou pro koupi vlastn\u00edho bytu a u\u017e se v jednom z nich vid\u00edte? P\u0159edstavujete si pohodu a relax, kter\u00fd ve sv\u00e9m dom\u011b budete za\u017e\u00edvat, jak v n\u011bm budete jednou vychov\u00e1vat d\u011bti\u2026 A pak p\u0159ijde \u0161ok \u2013 banka v\u00e1m neschv\u00e1l\u00ed hypot\u00e9ku. Co te\u010f? S odm\u00edtnut\u00edm p\u016fj\u010den\u00ed takov\u00e9ho obnosu pen\u011bz se […]","datePublished":"2020-10-26","dateModified":"2023-05-16","author":{"@type":"Person","@id":"https:\/\/www.falvo.cz\/author\/#Person","name":"","url":"https:\/\/www.falvo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"falvo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.falvo.cz\/wp-content\/uploads\/hand_key_house_keys.jpg","url":"https:\/\/www.falvo.cz\/wp-content\/uploads\/hand_key_house_keys.jpg","height":0,"width":0},"url":"https:\/\/www.falvo.cz\/co-delat-kdyz-banka-neschvali-hypoteku\/","about":["Ekonomika"],"wordCount":435,"articleBody":"       Rozhodli jste se s partnerem \u010di partnerkou pro koupi vlastn\u00edho bytu a u\u017e se v jednom z nich vid\u00edte? P\u0159edstavujete si pohodu a relax, kter\u00fd ve sv\u00e9m dom\u011b budete za\u017e\u00edvat, jak v n\u011bm budete jednou vychov\u00e1vat d\u011bti\u2026 A pak p\u0159ijde \u0161ok \u2013 banka v\u00e1m neschv\u00e1l\u00ed hypot\u00e9ku. Co te\u010f?S odm\u00edtnut\u00edm p\u016fj\u010den\u00ed takov\u00e9ho obnosu pen\u011bz se v posledn\u00edch letech setkalo mnohem v\u00edce z\u00e1jemc\u016f o ni, ne\u017e d\u0159\u00edve. Pro\u010d? V d\u016fsledku krachu na americk\u00e9 burze toti\u017e \u010cesk\u00e1 n\u00e1rodn\u00ed banka zp\u0159\u00edsnila pravidla poskytov\u00e1n\u00ed t\u011bchto p\u016fj\u010dek. Jednalo se o zru\u0161en\u00ed 100% hypot\u00e9k v roce 2017, tak\u017ee pokud m\u00e1te nap\u0159\u00edklad vyhl\u00eddnut\u00fd byt za 3,5 milionu, mus\u00edte m\u00edt na\u0161et\u0159eno 20 %, co\u017e \u010din\u00ed 700 tis\u00edc. Jinak v\u00e1m banka jednodu\u0161e nep\u016fj\u010d\u00ed. Druh\u00e9 opat\u0159en\u00ed n\u00e1sledovalo nedlouho po tom prvn\u00edm a spo\u010d\u00edv\u00e1 v maxim\u00e1ln\u00edm objemu \u00fav\u011bru a v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky: \u017eadatel si m\u016f\u017ee p\u016fj\u010dit maxim\u00e1ln\u011b dev\u00edtin\u00e1sobek sv\u00e9ho \u010dist\u00e9ho p\u0159\u00edjmu a v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky p\u0159itom nesm\u00ed p\u0159esahovat 45 % jeho \u010dist\u00e9ho p\u0159\u00edjmu.Co tedy d\u011blat, abyste si sen o vlastn\u00edm bydlen\u00ed p\u0159esto splnili?P\u0159eklenovac\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00edKlient oslov\u00ed stavebn\u00ed spo\u0159itelnu, kter\u00e1 mu poskytne pen\u00edze, klient spl\u00e1c\u00ed \u00faroky z t\u00e9to \u010d\u00e1stky. Z\u00e1rove\u0148 si zalo\u017e\u00ed stavebn\u00ed spo\u0159en\u00ed a spo\u0159\u00ed, dokud dos\u00e1hne 40 % z celkov\u00e9 \u010d\u00e1stky bytu. Pot\u00e9 mus\u00ed slo\u017eit ur\u010dit\u00e9 procento z vlastn\u00edch zdroj\u016f, to se ale pohybuje pouze v rozsahu 1 a\u017e 5 %.Z\u00e1stava jin\u00e9 nemovitostiTa ale mus\u00ed b\u00fdt ve stejn\u00e9 \u010di vy\u0161\u0161\u00ed hodnot\u011b, ne\u017e je pot\u0159eba nutn\u00fdch vlastn\u00edch zdroj\u016f na hypot\u00e9ku (v p\u0159\u00edpad\u011b 3,5 milionov\u00e9ho bytu by se tedy muselo jednat o nemovitost v hodnot\u011b minim\u00e1ln\u011b 700 tis\u00edc korun). To v\u011bt\u0161inou poskytnou rodi\u010de vlastn\u00edc\u00ed vlastn\u00ed d\u016fm, kte\u0159\u00ed se tak ale z\u00e1rove\u0148 vystavuj\u00ed riziku, \u017ee o sv\u016fj objekt p\u0159i nespl\u00e1cen\u00ed ze strany d\u011bt\u00ed p\u0159ijdou.Nebankovn\u00ed hypot\u00e9kaPosledn\u00ed mo\u017enost\u00ed, kterou financovat sv\u00e9 bydlen\u00ed, je tento typ. Nebankovn\u00ed spole\u010dnosti maj\u00ed mnohem m\u00e9n\u011b p\u0159\u00edsn\u00e1 pravidla pro schv\u00e1len\u00ed p\u016fj\u010dky ne\u017e ty bankovn\u00ed, proto jejich s\u00edtem projde mnohem v\u011bt\u0161\u00ed mno\u017estv\u00ed \u017eadatel\u016f. Ov\u0161em za cenu vy\u0161\u0161\u00edch poplatk\u016f, \u00farok\u016f a omezen\u00ed celkov\u00e9 v\u00fd\u0161e p\u016fj\u010den\u00fdch pen\u011bz.                                                                                                                                                                                                                                                                                                                                                                                          4.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co d\u011blat, kdy\u017e banka neschv\u00e1l\u00ed hypot\u00e9ku?","item":"https:\/\/www.falvo.cz\/co-delat-kdyz-banka-neschvali-hypoteku\/#breadcrumbitem"}]}]