[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ginko.cz\/hypoteka-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.ginko.cz\/hypoteka-pro-kazdeho\/","headline":"Hypot\u00e9ka pro ka\u017ed\u00e9ho","name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho","description":"V posledn\u00edch letech jsou to pr\u00e1v\u011b hypot\u00e9ky, kter\u00e9 v\u00e9vod\u00ed \u00fav\u011brov\u00e9mu trhu. Tento fakt ale mnoho lid\u00ed rozhodn\u011b nep\u0159ekvap\u00ed, nebo\u0165 se hypot\u00e9ky dr\u017e\u00ed na pomysln\u00e9 \u0161pici u\u017e n\u011bkolik let. I v minulosti byly pr\u00e1v\u011b dlouhodob\u00e9 \u00fav\u011bry na bydlen\u00ed jednozna\u010dn\u011b nejobl\u00edben\u011bj\u0161\u00ed. D\u016fvod\u016f, pro\u010d se i po n\u011bkolika letech dr\u017e\u00ed hypot\u00e9ky v m\u011b\u0159\u00edtku obl\u00edbenosti na nejvy\u0161\u0161\u00ed p\u0159\u00ed\u010dce je hned n\u011bkolik. Zn\u00e1te je? \u00darokov\u00e1 sazba \u00darokov\u00e1 sazba u tohoto typu \u00fav\u011bru pat\u0159\u00ed mezi ty nejv\u00fdhodn\u011bj\u0161\u00ed. Je tak\u00e9 sjedn\u00e1n mnohdy i na n\u011bkolik des\u00edtek let, v\u017edy ale z\u00e1le\u017e\u00ed na v\u011bku \u017eadatele. Zat\u00edmco ve 20 letech je mo\u017en\u00e9 spl\u00e1cen\u00ed \u00fav\u011bru i po dobu 30 let, v pokro\u010dilej\u0161\u00edm v\u011bku u\u017e m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 na takovou dobu spl\u00e1cen\u00ed dos\u00e1hnout. V n\u011bkter\u00fdch p\u0159\u00edpadech dokonce m\u016f\u017ee banka \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br zam\u00edtnout pr\u00e1v\u011b z d\u016fvodu vy\u0161\u0161\u00edho v\u011bku. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je pot\u0159eba ru\u010dit nemovitost\u00ed a to v\u011bt\u0161inou do 70% aktu\u00e1ln\u00ed hodnoty. V\u011bt\u0161\u00ed hypot\u00e9ky se dnes poskytuj\u00ed jen z\u0159\u00eddka, pro banku toti\u017e znamenaj\u00ed p\u0159\u00edli\u0161 velk\u00e9 riziko. I kdy\u017e se hypot\u00e9ka zda jako velmi v\u00fdhodn\u00fd \u00fav\u011brov\u00fd produkt, jej\u00ed striktn\u00ed podm\u00ednky okruh \u017eadatel\u016f velice zu\u017euj\u00ed. Poj\u010fme se tedy spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti nejenom o hypot\u00e9ku, ale i o jak\u00fdkoliv jin\u00fd druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Bonita klienta Pokud jdete do banky \u017e\u00e1dat o jak\u00fdkoliv \u00fav\u011br, mus\u00edte spl\u0148ovat podm\u00ednky konkr\u00e9tn\u00ed banky. V ur\u010dit\u00fdch detailech se podm\u00ednky banku od banky m\u011bn\u00ed, ale n\u011bkter\u00e9 jsou naopak nem\u011bnn\u00e9. Prim\u00e1rn\u011b je pro banku d\u016fle\u017eit\u00e1 bonita klienta, kterou si z dostupn\u00fdch informac\u00ed snadno ov\u011b\u0159\u00ed. Pro banku je d\u016fle\u017eit\u00e1, zda klient bude moci dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, ke kter\u00fdm se podpisem smlouvy bance up\u00ed\u0161e. Finan\u010dn\u00ed rezerva Jak u\u017e bylo v\u00fd\u0161e \u0159e\u010deno, p\u0159i spln\u011bn\u00ed podm\u00ednek m\u016f\u017ee banka poskytnout \u017eadateli a\u017e 70% hodnoty zastaven\u00e9 nemovitosti. Ov\u0161em zbyl\u00fdch 30% je pot\u0159eba uhradit z vlastn\u00ed kapsy. Pokud takovou hotovost\u00ed nedisponujete je\u0161t\u011b p\u0159ed uzav\u0159en\u00edm smlouvy s bankou, va\u0161e \u0161ance pro z\u00edsk\u00e1n\u00ed bankovn\u00ed i nebankovn\u00ed hypot\u00e9ky Nebankovni-hypoteky-uvery jsou t\u00e9m\u011b\u0159 na nule. 4.4\/5 - (7 votes)","datePublished":"2020-11-16","dateModified":"2020-11-16","author":{"@type":"Person","@id":"https:\/\/www.ginko.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ginko.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ginko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ginko.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_6.jpg","url":"https:\/\/www.ginko.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.ginko.cz\/hypoteka-pro-kazdeho\/","wordCount":431,"articleBody":"       V posledn\u00edch letech jsou to pr\u00e1v\u011b hypot\u00e9ky, kter\u00e9 v\u00e9vod\u00ed \u00fav\u011brov\u00e9mu trhu. Tento fakt ale mnoho lid\u00ed rozhodn\u011b nep\u0159ekvap\u00ed, nebo\u0165 se hypot\u00e9ky dr\u017e\u00ed na pomysln\u00e9 \u0161pici u\u017e n\u011bkolik let. I v minulosti byly pr\u00e1v\u011b dlouhodob\u00e9 \u00fav\u011bry na bydlen\u00ed jednozna\u010dn\u011b nejobl\u00edben\u011bj\u0161\u00ed. D\u016fvod\u016f, pro\u010d se i po n\u011bkolika letech dr\u017e\u00ed hypot\u00e9ky v m\u011b\u0159\u00edtku obl\u00edbenosti na nejvy\u0161\u0161\u00ed p\u0159\u00ed\u010dce je hned n\u011bkolik. Zn\u00e1te je? \u00darokov\u00e1 sazba \u00darokov\u00e1 sazba u tohoto typu \u00fav\u011bru pat\u0159\u00ed mezi ty nejv\u00fdhodn\u011bj\u0161\u00ed. Je tak\u00e9 sjedn\u00e1n mnohdy i na n\u011bkolik des\u00edtek let, v\u017edy ale z\u00e1le\u017e\u00ed na v\u011bku \u017eadatele. Zat\u00edmco ve 20 letech je mo\u017en\u00e9 spl\u00e1cen\u00ed \u00fav\u011bru i po dobu 30 let, v pokro\u010dilej\u0161\u00edm v\u011bku u\u017e m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 na takovou dobu spl\u00e1cen\u00ed dos\u00e1hnout. V n\u011bkter\u00fdch p\u0159\u00edpadech dokonce m\u016f\u017ee banka \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br zam\u00edtnout pr\u00e1v\u011b z d\u016fvodu vy\u0161\u0161\u00edho v\u011bku. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je pot\u0159eba ru\u010dit nemovitost\u00ed a to v\u011bt\u0161inou do 70% aktu\u00e1ln\u00ed hodnoty. V\u011bt\u0161\u00ed hypot\u00e9ky se dnes poskytuj\u00ed jen z\u0159\u00eddka, pro banku toti\u017e znamenaj\u00ed p\u0159\u00edli\u0161 velk\u00e9 riziko. I kdy\u017e se hypot\u00e9ka zda jako velmi v\u00fdhodn\u00fd \u00fav\u011brov\u00fd produkt, jej\u00ed striktn\u00ed podm\u00ednky okruh \u017eadatel\u016f velice zu\u017euj\u00ed. Poj\u010fme se tedy spole\u010dn\u011b pod\u00edvat na nej\u010dast\u011bj\u0161\u00ed d\u016fvody, kter\u00e9 vedou k zam\u00edtnut\u00ed \u017e\u00e1dosti nejenom o hypot\u00e9ku, ale i o jak\u00fdkoliv jin\u00fd druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Bonita klientaPokud jdete do banky \u017e\u00e1dat o jak\u00fdkoliv \u00fav\u011br, mus\u00edte spl\u0148ovat podm\u00ednky konkr\u00e9tn\u00ed banky. V ur\u010dit\u00fdch detailech se podm\u00ednky banku od banky m\u011bn\u00ed, ale n\u011bkter\u00e9 jsou naopak nem\u011bnn\u00e9. Prim\u00e1rn\u011b je pro banku d\u016fle\u017eit\u00e1 bonita klienta, kterou si z dostupn\u00fdch informac\u00ed snadno ov\u011b\u0159\u00ed. Pro banku je d\u016fle\u017eit\u00e1, zda klient bude moci dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, ke kter\u00fdm se podpisem smlouvy bance up\u00ed\u0161e. Finan\u010dn\u00ed rezervaJak u\u017e bylo v\u00fd\u0161e \u0159e\u010deno, p\u0159i spln\u011bn\u00ed podm\u00ednek m\u016f\u017ee banka poskytnout \u017eadateli a\u017e 70% hodnoty zastaven\u00e9 nemovitosti. Ov\u0161em zbyl\u00fdch 30% je pot\u0159eba uhradit z vlastn\u00ed kapsy. Pokud takovou hotovost\u00ed nedisponujete je\u0161t\u011b p\u0159ed uzav\u0159en\u00edm smlouvy s bankou, va\u0161e \u0161ance pro z\u00edsk\u00e1n\u00ed bankovn\u00ed i nebankovn\u00ed hypot\u00e9ky Nebankovni-hypoteky-uvery jsou t\u00e9m\u011b\u0159 na nule.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho","item":"https:\/\/www.ginko.cz\/hypoteka-pro-kazdeho\/#breadcrumbitem"}]}]