[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.playall.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.playall.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"Hypot\u00e9ka je v sou\u010dasnosti nejv\u00edce vyu\u017e\u00edvan\u00fd \u00fav\u011brov\u00fd produkt, ka\u017edoro\u010dn\u011b se pro n\u011bj jen u n\u00e1s rozhodne tis\u00edce lid\u00ed. Pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru je v\u0161ak zapot\u0159eb\u00ed splnit hned n\u011bkolik podm\u00ednek, kter\u00e9 se nav\u00edc ka\u017ed\u00fdm rokem je\u0161t\u011b v\u00edce zp\u0159\u00eds\u0148uj\u00ed. Za t\u00edm v\u0161\u00edm stoj\u00ed na\u0159\u00edzen\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky a to je\u0161t\u011b nepo\u010d\u00edt\u00e1me vlastn\u00ed podm\u00ednky, kter\u00e9 si stanovuje ka\u017ed\u00fd poskytovatel […]","datePublished":"2022-02-10","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.playall.cz\/author\/#Person","name":"","url":"https:\/\/www.playall.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"playall.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.playall.cz\/wp-content\/uploads\/build-a-house-g108621409_640_1.jpg","url":"https:\/\/www.playall.cz\/wp-content\/uploads\/build-a-house-g108621409_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.playall.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Pen\u00edze"],"wordCount":426,"articleBody":"   Hypot\u00e9ka je v sou\u010dasnosti nejv\u00edce vyu\u017e\u00edvan\u00fd \u00fav\u011brov\u00fd produkt, ka\u017edoro\u010dn\u011b se pro n\u011bj jen u n\u00e1s rozhodne tis\u00edce lid\u00ed. Pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru je v\u0161ak zapot\u0159eb\u00ed splnit hned n\u011bkolik podm\u00ednek, kter\u00e9 se nav\u00edc ka\u017ed\u00fdm rokem je\u0161t\u011b v\u00edce zp\u0159\u00eds\u0148uj\u00ed. Za t\u00edm v\u0161\u00edm stoj\u00ed na\u0159\u00edzen\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky a to je\u0161t\u011b nepo\u010d\u00edt\u00e1me vlastn\u00ed podm\u00ednky, kter\u00e9 si stanovuje ka\u017ed\u00fd poskytovatel s\u00e1m. Ka\u017ed\u00fdm rokem tak \u017e\u00e1dost\u00ed p\u0159ib\u00fdv\u00e1, ale stejn\u011b tak p\u0159ib\u00fdv\u00e1 i po\u010det t\u011bch zam\u00edtnut\u00fdch. Za t\u00edmto faktem je ov\u0161em zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank. Ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy je \u017eadatel schopen plnohodnotn\u011b spl\u00e1cet z\u00e1vazky, kter\u00e9 bude p\u0159\u00edpadn\u011b v\u016f\u010di poskytovateli m\u00edt. Pokud bychom m\u011bli tuto v\u011btu zobecnit, jednalo by se p\u0159ibli\u017en\u011b o v\u011bk kolem 30 let. To u\u017e m\u00e1 toti\u017e banka jist\u00e9 pov\u011bdom\u00ed o va\u0161\u00ed finan\u010dn\u00ed situaci a je tak schopna l\u00e9pe odhadnout, zda si hypot\u00e9ku m\u016f\u017eete dovolit. Samoz\u0159ejm\u011b se situace m\u016f\u017ee v pr\u016fb\u011bhu let m\u011bnit, ale bez rizika nen\u00ed zisk. Nejni\u017e\u0161\u00ed v\u011bk, kdy je mo\u017en\u00e9 \u017e\u00e1dat o jak\u00fdkoliv \u00fav\u011br, je z\u00e1konem dan\u00fd \u2013 plnoletost. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice ji\u017e z\u00e1konem nijak stanoven\u00e1 nen\u00ed, je v\u0161ak mo\u017en\u00e9 se \u0159\u00eddit doporu\u010den\u00edm \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Ta stanovuje v\u011bkovou hranici 65 let, do kdy by m\u011bly b\u00fdt v\u0161echny z\u00e1vazky v\u016f\u010di bank\u00e1m splaceny. Jedn\u00e1 se v\u0161ak pouze o doporu\u010den\u00ed, a proto \u0159ada bank i nebankovn\u00edm subjekt\u016f na n\u011bj nebere z\u0159etel. Nen\u00ed tak \u017e\u00e1dnou v\u00fdjimkou setkat se i s vy\u0161\u0161\u00ed v\u011bkovou hranic\u00ed. Pokud v\u0161ak chcete m\u00edt na spl\u00e1cen\u00ed alespo\u0148 20 let, nen\u00ed radno p\u0159\u00edli\u0161 ot\u00e1let a sjednat si hypot\u00e9ku nejv\u00fd\u0161e do 45 let. I kdy\u017e v\u00e1m banka dovol\u00ed spl\u00e1cet hypot\u00e9ku i v pozdn\u00edm v\u011bku, va\u0161e p\u0159\u00edjmy na jej\u00ed spl\u00e1cen\u00ed nemus\u00ed sta\u010dit. Nen\u00ed zapot\u0159eb\u00ed se spol\u00e9hat jen na bankovn\u00ed sektor, ale zv\u00e1\u017eit m\u016f\u017eete i nebankovn\u00ed hypot\u00e9ku. Nab\u00eddne sice benevolentn\u011bj\u0161\u00ed podm\u00ednky, ale za vy\u0161\u0161\u00ed \u00farokovou sazbu. Pro rizikov\u00e9 \u017eadatele se v\u0161ak jedn\u00e1 o mo\u017en\u00e1 jedinou \u0161anci na \u00fav\u011br.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.playall.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]