[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.realfa.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.realfa.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":"I kdy\u017e se v posledn\u00edch letech stala hypot\u00e9ka velmi dostupnou, st\u00e1le je tu \u0159ada faktor\u016f, kter\u00e1 rozhoduje, zda hypot\u00e9ku z\u00edsk\u00e1te \u010di nikoliv. \u0158ada bank po modernizov\u00e1n\u00ed insolven\u010dn\u00edho z\u00e1kona st\u00e1le zp\u0159\u00eds\u0148uje podm\u00ednky pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Nav\u00edc hypot\u00e9ka po insolvenci je t\u00e9m\u011b\u0159 nemo\u017en\u00e1, pokud nezam\u00ed\u0159\u00edte rovnou do nebankovn\u00ed spole\u010dnosti. Z\u00e1kladn\u00ed podm\u00ednky ur\u010duje a vyd\u00e1v\u00e1 \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Dopl\u0148uj\u00edc\u00ed podm\u00ednky jsou u\u017e na jednotliv\u00fdch bank\u00e1ch, \u0159ada z nich je v\u0161ak nastavuje tak,...","datePublished":"2020-10-24","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.realfa.cz\/author\/#Person","name":"","url":"https:\/\/www.realfa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"realfa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.realfa.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_1.jpg","url":"https:\/\/www.realfa.cz\/wp-content\/uploads\/spole%C4%8Dn%C3%A9%20pl%C3%A1ny_1.jpg","height":0,"width":0},"url":"https:\/\/www.realfa.cz\/podminky-pro-ziskani-hypoteky\/","about":["Finance"],"wordCount":434,"articleBody":"        I kdy\u017e se v posledn\u00edch letech stala hypot\u00e9ka velmi dostupnou, st\u00e1le je tu \u0159ada faktor\u016f, kter\u00e1 rozhoduje, zda hypot\u00e9ku z\u00edsk\u00e1te \u010di nikoliv. \u0158ada bank po modernizov\u00e1n\u00ed insolven\u010dn\u00edho z\u00e1kona st\u00e1le zp\u0159\u00eds\u0148uje podm\u00ednky pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Nav\u00edc hypot\u00e9ka po insolvenci je t\u00e9m\u011b\u0159 nemo\u017en\u00e1, pokud nezam\u00ed\u0159\u00edte rovnou do nebankovn\u00ed spole\u010dnosti. Z\u00e1kladn\u00ed podm\u00ednky ur\u010duje a vyd\u00e1v\u00e1 \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Dopl\u0148uj\u00edc\u00ed podm\u00ednky jsou u\u017e na jednotliv\u00fdch bank\u00e1ch, \u0159ada z nich je v\u0161ak nastavuje tak, aby m\u011bla co nejv\u011bt\u0161\u00ed jistotu, \u017ee se j\u00ed vyp\u016fj\u010den\u00e9 pen\u00edze skute\u010dn\u011b vr\u00e1t\u00ed v pln\u00e9m rozsahu. Podm\u00ednky se tak mohou u jednotliv\u00fdch bank li\u0161it. Zat\u00edmco n\u011bkde se setk\u00e1te se striktn\u00edmi pravidly, jinde jsou k n\u011bkter\u00fdm proh\u0159e\u0161k\u016fm ze stran sv\u00fdch \u017eadatel\u016f o n\u011bco shov\u00edvav\u011bj\u0161\u00ed. Jak\u00e9 jsou tedy rozhoduj\u00edc\u00ed faktory pro schv\u00e1len\u00ed hypot\u00e9ky?V\u011bk I kdy\u017e se \u0159\u00edk\u00e1, \u017ee v\u011bk je jenom \u010d\u00edslo, u bank je hlavn\u00edm m\u011b\u0159\u00edtkem pro schv\u00e1len\u00ed \u010di zam\u00edtnut\u00ed hypot\u00e9ky. Minim\u00e1ln\u00ed hranice, kdy je mo\u017en\u00e9 o hypot\u00e9ku \u017e\u00e1dat je ze z\u00e1kona 18 let. S horn\u00ed hranic\u00ed u\u017e je to pon\u011bkud slo\u017eit\u011bj\u0161\u00ed a ka\u017ed\u00e1 banka m\u00e1 tuto hranici nastavenou jinak. Ov\u0161em obecn\u00e9 pravidlo uv\u00e1d\u00ed, \u017ee na hypot\u00e9ku mohou dos\u00e1hnout lid\u00e9 v aktivn\u00edm v\u011bku. Pokud tedy budete \u017e\u00e1dat o hypot\u00e9ku v d\u016fchodu, mus\u00edte se s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed p\u0159ipravit na zam\u00edtnut\u00ed \u017e\u00e1dosti. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemZde \u017e\u00e1dn\u00e9 konkr\u00e9tn\u00ed \u010d\u00edslo samoz\u0159ejm\u011b nastaven\u00e9 nen\u00ed. Je d\u016fle\u017eit\u00e9, aby va\u0161e m\u011bs\u00ed\u010dn\u00ed mzda dosta\u010duj\u00edc\u00ed pro spl\u00e1cen\u00ed hypot\u00e9ky. V\u017edy proto z\u00e1le\u017e\u00ed na podm\u00ednk\u00e1ch dan\u00e9 banky. Obecn\u011b by v\u0161ak v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky nem\u011bla p\u0159ekro\u010dit 50% na\u0161eho \u010dist\u00e9ho p\u0159\u00edjmu. Z\u00e1znam v registru dlu\u017en\u00edk\u016fPokud jste se n\u011bkdy v minulosti dostali do situace, kdy jste zkr\u00e1tka nemohli dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se va\u0161e jm\u00e9no objev\u00ed v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. Pokud se jedn\u00e1 jen o men\u0161\u00ed proh\u0159e\u0161ky, nen\u00ed je\u0161t\u011b nic ztraceno. V takov\u00e9m p\u0159\u00edpad\u011b v\u0161ak mus\u00edte po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (20 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.realfa.cz\/podminky-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]