[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sorela.cz\/jak-financovat-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.sorela.cz\/jak-financovat-vlastni-bydleni\/","headline":"Jak financovat vlastn\u00ed bydlen\u00ed?","name":"Jak financovat vlastn\u00ed bydlen\u00ed?","description":"Mnoho lid\u00ed p\u0159em\u00fd\u0161l\u00ed o vlastn\u00edm bydlen\u00ed, ale jen m\u00e1lokdo dok\u00e1\u017ee tento sen prom\u011bnit ve skute\u010dnost bez ciz\u00ed pomoci. \u0158ada lid\u00ed tak \u0159e\u0161\u00ed financov\u00e1n\u00ed bydlen\u00ed pomoc\u00ed","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.sorela.cz\/author\/#Person","name":"","url":"https:\/\/www.sorela.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sorela.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sorela.cz\/wp-content\/uploads\/maketa%20domu_2.png","url":"https:\/\/www.sorela.cz\/wp-content\/uploads\/maketa%20domu_2.png","height":0,"width":0},"url":"https:\/\/www.sorela.cz\/jak-financovat-vlastni-bydleni\/","about":["Www"],"wordCount":406,"articleBody":"    Mnoho lid\u00ed p\u0159em\u00fd\u0161l\u00ed o vlastn\u00edm bydlen\u00ed, ale jen m\u00e1lokdo dok\u00e1\u017ee tento sen prom\u011bnit ve skute\u010dnost bez ciz\u00ed pomoci. \u0158ada lid\u00ed tak \u0159e\u0161\u00ed financov\u00e1n\u00ed bydlen\u00ed pomoc\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Samoz\u0159ejm\u011b jsou tu i dal\u0161\u00ed mo\u017enost\u00ed v podob\u011b americk\u00e9 hypot\u00e9ky nebo dlouhodob\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, kter\u00e9 ov\u0161em u\u017e nejsou z dlouhodob\u00e9ho hlediska p\u0159\u00edli\u0161 v\u00fdhodnou variantou. Je to z jednoho prost\u00e9ho d\u016fvodu, nemohou klasick\u00e9mu hypote\u010dn\u00edmu \u00fav\u011bru konkurovat.   Hypot\u00e9ka na stavbu domu fahd.cz, rekonstrukci, p\u0159\u00edpadn\u011b koupi nemovitost\u00ed je \u00fa\u010delov\u00fd produkt, kter\u00fd m\u016f\u017ee b\u00fdt \u010derp\u00e1n jen za ur\u010dit\u00fdm \u00fa\u010delem. \u00da\u010delov\u00e9 \u00fav\u011brov\u00e9 produkty v\u0161ak nab\u00edzej\u00ed jedny z nejv\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb na trhu, aktu\u00e1ln\u011b se pohybuje ro\u010dn\u00ed \u00farokov\u00e1 sazba kolem 1,5%. U americk\u00e9 hypot\u00e9ky jsou to 3% a u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f i 10%. V\u00fdhodn\u00e1 je i doba fixace, kterou sjedn\u00e1v\u00e1 \u017eadatel spole\u010dn\u011b s poskytovatelem p\u016fj\u010dek dle aktu\u00e1ln\u00edch podm\u00ednek. Ta se v\u0161ak pohybuje i kolem 10 let, co\u017e je jist\u011b v\u00edce ne\u017e v\u00fdhodn\u00e9.  Kdy podat \u017e\u00e1dost na hypot\u00e9ku?  V\u011bt\u0161ina bank m\u00e1 nastaven\u00e9 sv\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru, ty se v mnoh\u00fdch ohledech li\u0161\u00ed, ty kl\u00ed\u010dov\u00e9 se v\u0161ak nem\u011bn\u00ed. D\u016fle\u017eit\u00fd je zejm\u00e9na v\u011bk \u017eadatele, kter\u00fd by m\u011bl b\u00fdt ide\u00e1ln\u011b mezi 26-35 lety. D\u00e1le jsou to pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a v\u00fddaje, ze kter\u00fdch m\u016f\u017ee banka snadno vypo\u010d\u00edtat bonitu \u017eadatele.   \u010cesk\u00e1 n\u00e1rodn\u00ed banka tak\u00e9 upravuje horn\u00ed v\u011bkovou mez, do kdy je nutn\u00e9 \u00fav\u011br splatit. Aktu\u00e1ln\u011b je tato hranice 65 let. Mnoho bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed v\u0161ak toto doporu\u010den\u00ed nedodr\u017euj\u00ed a ur\u010duj\u00ed si vlastn\u00ed v\u011bkovou hranici. Je tak vcelku b\u011b\u017en\u00e1 i v\u011bkov\u00e1 hranice kolem 70 let. V kone\u010dn\u00e9 f\u00e1zi je samoz\u0159ejm\u011b d\u016fle\u017eit\u00e9 objektivn\u011b posoudit, zda bude schopen dlu\u017en\u00edk spl\u00e1cet i v postproduktivn\u00edm v\u011bku. Z toho vypl\u00fdv\u00e1, \u017ee o hypot\u00e9ku je dobr\u00e9 po\u017e\u00e1dat do 45 let, aby bylo mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet alespo\u0148 20 let. D\u00e9lka splatnosti \u00fav\u011bru jde ruku v ruce s v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak financovat vlastn\u00ed bydlen\u00ed?","item":"https:\/\/www.sorela.cz\/jak-financovat-vlastni-bydleni\/#breadcrumbitem"}]}]