[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esei.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.esei.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 z\u00e1vazek, kter\u00fd do zna\u010dn\u00e9 m\u00edry ovlivn\u00ed n\u00e1sleduj\u00edc\u00ed roky na\u0161eho \u017eivota. I z tohoto d\u016fvodu u \u0159ady lid\u00ed p\u0159evl\u00e1daj\u00ed obavy, kdy\u017e se skute\u010dn\u011b odhodlaj\u00ed a nav\u0161t\u00edv\u00ed banku. Ceny nemovitost\u00ed v\u0161ak rostou doslova mrknut\u00edm oka a jen mal\u00e1 hrstka z n\u00e1s m\u00e1 pot\u0159ebn\u00e9 finance, aby nebylo zapot\u0159eb\u00ed p\u0159izvat na pomoc banku. Jen\u017ee u\u017e d\u00e1vno neplat\u00ed, […]","datePublished":"2021-09-26","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.esei.cz\/author\/#Person","name":"","url":"https:\/\/www.esei.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esei.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esei.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_10_9.jpg","url":"https:\/\/www.esei.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.esei.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Finance"],"wordCount":406,"articleBody":"      Hypot\u00e9ka je z\u00e1vazek, kter\u00fd do zna\u010dn\u00e9 m\u00edry ovlivn\u00ed n\u00e1sleduj\u00edc\u00ed roky na\u0161eho \u017eivota. I z tohoto d\u016fvodu u \u0159ady lid\u00ed p\u0159evl\u00e1daj\u00ed obavy, kdy\u017e se skute\u010dn\u011b odhodlaj\u00ed a nav\u0161t\u00edv\u00ed banku. Ceny nemovitost\u00ed v\u0161ak rostou doslova mrknut\u00edm oka a jen mal\u00e1 hrstka z n\u00e1s m\u00e1 pot\u0159ebn\u00e9 finance, aby nebylo zapot\u0159eb\u00ed p\u0159izvat na pomoc banku. Jen\u017ee u\u017e d\u00e1vno neplat\u00ed, \u017ee hypote\u010dn\u00ed \u00fav\u011br z\u00edsk\u00e1 ka\u017ed\u00fd, kdo si o n\u011bj p\u0159ijde za\u017e\u00e1dat. Kdy z pohledu banky p\u0159ich\u00e1z\u00ed nejlep\u0161\u00ed \u010das na hypot\u00e9ku?Hypote\u010dn\u00ed \u00fav\u011br sjednan\u00fd do 45 let Na takto velk\u00fd z\u00e1vazek \u0159ada lid\u00ed nen\u00ed p\u0159ipravena nikdy, p\u0159eci jenom do zna\u010dn\u00e9 m\u00edry ovlivn\u00ed n\u00e1\u0161 rodinn\u00fd rozpo\u010det a to mnohdy na des\u00edtky let. Banky v\u0161ak v tomto ohledu maj\u00ed jasno a dokonce p\u0159ich\u00e1zej\u00ed s ide\u00e1ln\u00edm v\u011bkem, kdy je podle nich vhodn\u00e9 za\u017e\u00e1dat o \u00fav\u011br v bance. Je tomu pr\u00e1h 30 let, kdy u\u017e m\u00e1 \u017eadatel alespo\u0148 ur\u010ditou finan\u010dn\u00ed minulost a z\u00e1rove\u0148 je na vrcholu sv\u00e9ho produktivn\u00edho \u017eivota. Hypot\u00e9ka sjednan\u00e1 v mlad\u00e9m v\u011bku m\u00e1 nav\u00edc tu v\u00fdhodu, \u017ee m\u016f\u017ee b\u00fdt sjednan\u00e1 na v\u00edce let. Tud\u00ed\u017e je mo\u017en\u00e9 \u010derpat i daleko vy\u0161\u0161\u00ed hypote\u010dn\u00ed \u00fav\u011br. V \u010cesk\u00e9 republice je mo\u017en\u00e9 v sou\u010dasn\u00e9 dob\u011b nastavit spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru a\u017e na 30 let, d\u00edky tomu je mo\u017en\u00e9 spl\u00e1tky rozlo\u017eit natolik, \u017ee ovlivn\u00ed \u017eivotn\u00ed standard jen minim\u00e1ln\u00ed m\u011brou. S p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem v\u0161ak pomalu kles\u00e1 \u0161ance na hypot\u00e9ku. Pomyslnou hranici p\u0159edstavuje 45 rok \u017eivota. Doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky toti\u017e \u0159\u00edk\u00e1, \u017ee ve\u0161ker\u00e9 z\u00e1vazky v\u016f\u010di bankovn\u00edm instituc\u00edm by m\u011bly b\u00fdt splaceny do 65 let dlu\u017en\u00edka. Na spl\u00e1cen\u00ed hypot\u00e9ky se pak doporu\u010duje alespo\u0148 20 let. Podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bruPodm\u00ednky pro schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru stanovuje ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00e1 \u010cNB. Dopl\u0148kov\u00e9 ustanoven\u00ed jsou pak v rukou samotn\u00fdch v\u011b\u0159itel\u016f. M\u016f\u017eete se setkat i s nab\u00eddkami od nebankovn\u00edch spole\u010dnost\u00ed. Jeden p\u0159\u00edklad za v\u0161echny p\u0159edstavuje americk\u00e1 nebankovn\u00ed hypot\u00e9ka nebankovni-hypoteky-uvery.cz.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (4 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.esei.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]