[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emfi.cz\/ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.emfi.cz\/ten-spravny-cas-na-hypoteku\/","headline":"Ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"Hypote\u010dn\u00ed \u00fav\u011br je pro mnoh\u00e9 mnohdy jedinou mo\u017enost\u00ed, jak si splnit sen o vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed ka\u017edoro\u010dn\u011b n\u011bkolikan\u00e1sobn\u011b nar\u016fstaj\u00ed a hypot\u00e9ky na 20, 30 let nejsou v \u010cesk\u00e9 republice nic neobvykl\u00e9ho. Nab\u00eddky jednotliv\u00fdch bank se velice li\u0161\u00ed a je v\u017edy zapot\u0159eb\u00ed s \u00fav\u011brov\u00fdm poradcem spr\u00e1vn\u011b vybrat typ hypot\u00e9ky, kter\u00fd bude sed\u011bt konkr\u00e9tn\u00edmu \u017eadateli. Hypot\u00e9ka […]","datePublished":"2021-01-22","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.emfi.cz\/author\/#Person","name":"","url":"https:\/\/www.emfi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emfi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emfi.cz\/wp-content\/uploads\/barevn%C3%A9%20bankovky_1.jpg","url":"https:\/\/www.emfi.cz\/wp-content\/uploads\/barevn%C3%A9%20bankovky_1.jpg","height":0,"width":0},"url":"https:\/\/www.emfi.cz\/ten-spravny-cas-na-hypoteku\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br je pro mnoh\u00e9 mnohdy jedinou mo\u017enost\u00ed, jak si splnit sen o vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed ka\u017edoro\u010dn\u011b n\u011bkolikan\u00e1sobn\u011b nar\u016fstaj\u00ed a hypot\u00e9ky na 20, 30 let nejsou v \u010cesk\u00e9 republice nic neobvykl\u00e9ho. Nab\u00eddky jednotliv\u00fdch bank se velice li\u0161\u00ed a je v\u017edy zapot\u0159eb\u00ed s \u00fav\u011brov\u00fdm poradcem spr\u00e1vn\u011b vybrat typ hypot\u00e9ky, kter\u00fd bude sed\u011bt konkr\u00e9tn\u00edmu \u017eadateli. Hypot\u00e9ka osv\u010d, stavebn\u00ed \u00fav\u011br, americk\u00e1 hypot\u00e9ka\u2026\u00fav\u011br\u016f je opravdu hodn\u011b a zorientovat se v nich m\u016f\u017ee b\u00fdt pro laika zna\u010dn\u011b n\u00e1ro\u010dn\u00e9. Jen m\u00e1lokdo si v dne\u0161n\u00ed dob\u011b m\u016f\u017ee dovolit financovat bydlen\u00ed z vlastn\u00edch pen\u011bz a tedy pokud nem\u00e1te n\u011bkde pod matrac\u00ed schovan\u00e9 miliony, bez pomoci banky se asi neobejdete. Kdy je tedy ten spr\u00e1vn\u00fd \u010das na to, vz\u00edt si hypot\u00e9ku?Ide\u00e1ln\u00ed v\u011bk je pro banky okolo 30 let Bonita \u017eadatele je pro banku jeden z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00fd ur\u010duje, zda je \u017eadatel p\u0159\u00edpadn\u011b schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 by podpisem smlouvy v\u016f\u010di bance m\u011bl. Bonitu klienta ur\u010duje mimo jin\u00e9 i v\u011bk \u017eadatele. Jak jinak ne\u017e zlat\u00fd produktivn\u00ed v\u011bk je pro banku tou nejlep\u0161\u00ed mo\u017enost\u00ed. Pokud \u017eadatel \u017e\u00e1d\u00e1 kolem 30 roku \u017eivota, m\u00e1 ty nejlep\u0161\u00ed predispozice na splacen\u00ed \u00fav\u011bru. Nav\u00edc v takto mlad\u00e9m v\u011bku je mo\u017en\u00e9 spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru prodlou\u017eit t\u0159eba a\u017e na 30 let. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky tak budou minim\u00e1ln\u00ed, a co nejm\u00e9n\u011b zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det.\u010cesk\u00e1 banka nav\u00edc upravuje horn\u00ed v\u011bkovou hranici, do kter\u00e9 mus\u00ed b\u00fdt \u00fav\u011br zcela splacen. Jedn\u00e1 se jen o jak\u00e9si doporu\u010den\u00ed, ale \u0159ada bankovn\u00edch spole\u010dnost\u00ed se j\u00edm \u0159\u00edd\u00ed. U nebankovn\u00edch spole\u010dnost\u00ed u\u017e nejsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru tak striktn\u00ed, m\u016f\u017eete se tedy setkat s p\u0159\u00edpady, kdy je mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet a\u017e do 75 let. V\u00fdhodn\u00e1 \u00farokov\u00e1 sazba\u00darokov\u00e1 sazba je velmi prom\u011bnliv\u00e1, a abychom nakonec zaplatili co nejm\u00e9n\u011b, je zapot\u0159eb\u00ed \u00fav\u011br uzav\u0159\u00edt v p\u0159\u00edznivou dobu. To ov\u0161em nen\u00ed ale zdaleka tak jednoduch\u00e9. Nikdo nedok\u00e1\u017ee odhadnout, zda bude \u00farokov\u00e1 sazba v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch r\u016fst nebo naopak klesat.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.emfi.cz\/ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]