[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.apusos.cz\/hypoteka-2017-drazsi-a-mene-dostupnejsi\/#Article","mainEntityOfPage":"https:\/\/www.apusos.cz\/hypoteka-2017-drazsi-a-mene-dostupnejsi\/","headline":"Hypot\u00e9ka 2017: dra\u017e\u0161\u00ed a m\u00e9n\u011b dostupn\u011bj\u0161\u00ed","name":"Hypot\u00e9ka 2017: dra\u017e\u0161\u00ed a m\u00e9n\u011b dostupn\u011bj\u0161\u00ed","description":"Pokud se chyst\u00e1te za\u017e\u00e1dat si o hypot\u00e9ku, pak jste si jist\u011b v\u0161imli, \u017ee se zm\u011bnily podm\u00ednky, kter\u00e9 p\u0159inesl nov\u00fd z\u00e1kon t\u00fdkaj\u00edc\u00ed se spot\u0159ebitelsk\u00e9ho \u00fav\u011bru .
 Mezi nejv\u011bt\u0161\u00ed zm\u011bnu ur\u010dit\u011b pat\u0159\u00ed i to, \u017ee se zm\u011bnila maxim\u00e1ln\u00ed v\u00fd\u0161e poskytovan\u00fdch \u00fav\u011br\u016f. Od dubna 2017 toti\u017e nen\u00ed mo\u017en\u00e9 z\u00edskat hypot\u00e9ku bez finan\u010dn\u00ed \u00fa\u010dasti dan\u00e9ho \u017eadatele.
 Toto opat\u0159en\u00ed je […]","datePublished":"2018-09-17","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.apusos.cz\/author\/#Person","name":"","url":"https:\/\/www.apusos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/306e258528c0a0d9c2b96482eb1248b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/306e258528c0a0d9c2b96482eb1248b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"apusos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.apusos.cz\/wp-content\/uploads\/img_a325097_w2645_t1537015068.jpg","url":"https:\/\/www.apusos.cz\/wp-content\/uploads\/img_a325097_w2645_t1537015068.jpg","height":0,"width":0},"url":"https:\/\/www.apusos.cz\/hypoteka-2017-drazsi-a-mene-dostupnejsi\/","about":["Pen\u00edze"],"wordCount":425,"articleBody":"Pokud se chyst\u00e1te za\u017e\u00e1dat si o hypot\u00e9ku, pak jste si jist\u011b v\u0161imli, \u017ee se zm\u011bnily podm\u00ednky, kter\u00e9 p\u0159inesl nov\u00fd z\u00e1kon t\u00fdkaj\u00edc\u00ed se spot\u0159ebitelsk\u00e9ho \u00fav\u011bru .
 Mezi nejv\u011bt\u0161\u00ed zm\u011bnu ur\u010dit\u011b pat\u0159\u00ed i to, \u017ee se zm\u011bnila maxim\u00e1ln\u00ed v\u00fd\u0161e poskytovan\u00fdch \u00fav\u011br\u016f. Od dubna 2017 toti\u017e nen\u00ed mo\u017en\u00e9 z\u00edskat hypot\u00e9ku bez finan\u010dn\u00ed \u00fa\u010dasti dan\u00e9ho \u017eadatele.
 Toto opat\u0159en\u00ed je jakousi reakc\u00ed \u010cNB na p\u0159eh\u0159\u00e1t\u00fd trh s bankovn\u00edmi produkty. Nyn\u00ed obchodn\u00ed banky poskytuj\u00ed hypot\u00e9ky pouze ve v\u00fd\u0161i 90% a m\u00e9n\u011b a to z odhadn\u00ed ceny nemovitosti. Banky jsou tak\u00e9 povinny je\u0161t\u011b podrobn\u011bji zkoumat finan\u010dn\u00ed situaci v\u0161ech \u017eadatel\u016f. V\u011bt\u0161ina bank ji\u017e neposkytuje \u00fav\u011bry, ke kter\u00fdm nen\u00ed nutno dolo\u017eit p\u0159\u00edjem \u017eadatele. M\u011blo by se t\u00edm tak u klient\u016f p\u0159edch\u00e1zet neschopnosti spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br. Je tedy nutn\u00e9 m\u00edt dop\u0159edu n\u011bco m\u00e1lo naspo\u0159eno, ne\u017e o hypot\u00e9ku zajdete \u017e\u00e1dat. M\u016f\u017ee se tak st\u00e1t, \u017ee spousta potencion\u00e1ln\u00edch klient\u016f hypot\u00e9ku ani nedostane, proto\u017ee na ni nedos\u00e1hne. O\u010dek\u00e1v\u00e1 se tedy pokles \u017e\u00e1dost\u00ed investor\u016f, kte\u0159\u00ed prost\u0159ednictv\u00edm hypot\u00e9k financovali sv\u00e9 z\u00e1m\u011bry. Pokud nem\u00e1te naspo\u0159eno dostatek pen\u011bz, nab\u00edz\u00ed se mo\u017enost zbyl\u00fdch 10% financovat pomoc\u00ed \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed nebo ne\u00fa\u010delov\u00e9ho \u00fav\u011bru. Je ale pot\u0159eba po\u010d\u00edtat s platbou \u00farok\u016f na dvou rozd\u00edln\u00fdch \u00fav\u011brech.
 V d\u016fsledku celkov\u00e9 financov\u00e1n\u00ed nemovitosti to m\u016f\u017ee vyj\u00edt o mnoho dr\u00e1\u017e. Po\u017eadavek, aby klienti p\u0159i \u017e\u00e1dosti o hypot\u00e9ku ob\u011btovali \u010d\u00e1st sv\u00fdch \u00faspor, vede k zamy\u0161len\u00ed samotn\u00e9ho klienta, zda si m\u00e1 v\u016fbec \u00fav\u011br z\u0159izovat. Abychom se ned\u00edvali pouze na negativn\u00ed str\u00e1nky, p\u0159ece jen to n\u011bjakou tu pozitivn\u00ed str\u00e1nku tak\u00e9 m\u00e1. Jedn\u00e1 se o mo\u017enost splatit \u00fav\u011br p\u0159ed\u010dasn\u011b a to bez sankc\u00ed. Do roku 2017 byli toti\u017e klienti za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru pokutov\u00e1ni ve v\u00fd\u0161i konkr\u00e9tn\u00edho procenta z dlu\u017en\u00e9 \u010d\u00e1stky. Nyn\u00ed je umo\u017en\u011bno klient\u016fm p\u0159edem splatit a\u017e 25% \u00fav\u011bru ro\u010dn\u011b bez finan\u010dn\u00edho postihu.
 Hypot\u00e9kou bohu\u017eel v\u00fddaje na bydlen\u00ed nekon\u010d\u00ed. Je tak\u00e9 nutn\u00e9 po\u010d\u00edtat s dan\u00ed z nabyt\u00ed nemovitosti, kter\u00e1 \u010din\u00ed okolo 4% z hodnoty dan\u00e9 nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka 2017: dra\u017e\u0161\u00ed a m\u00e9n\u011b dostupn\u011bj\u0161\u00ed","item":"https:\/\/www.apusos.cz\/hypoteka-2017-drazsi-a-mene-dostupnejsi\/#breadcrumbitem"}]}]