[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.msbi.cz\/hypoteka-bez-20-uspor\/#Article","mainEntityOfPage":"https:\/\/www.msbi.cz\/hypoteka-bez-20-uspor\/","headline":"Hypot\u00e9ka bez 20 % \u00faspor?","name":"Hypot\u00e9ka bez 20 % \u00faspor?","description":"Asi nejv\u00fdhodn\u011bj\u0161\u00edm zp\u016fsobem, jak si po\u0159\u00eddit byt nebo d\u016fm, je hypot\u00e9ka. Jedn\u00edm ze z\u00e1kladn\u00edch po\u017eadavk\u016f k jej\u00edmu z\u00edsk\u00e1n\u00ed je ale […]","datePublished":"2019-08-04","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.msbi.cz\/author\/#Person","name":"","url":"https:\/\/www.msbi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"msbi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.msbi.cz\/wp-content\/uploads\/img_a353849_w2994_t1568456967.jpg","url":"https:\/\/www.msbi.cz\/wp-content\/uploads\/img_a353849_w2994_t1568456967.jpg","height":0,"width":0},"url":"https:\/\/www.msbi.cz\/hypoteka-bez-20-uspor\/","about":["Finance"],"wordCount":475,"articleBody":"Asi nejv\u00fdhodn\u011bj\u0161\u00edm zp\u016fsobem, jak si po\u0159\u00eddit byt nebo d\u016fm, je hypot\u00e9ka. Jedn\u00edm ze z\u00e1kladn\u00edch po\u017eadavk\u016f k jej\u00edmu z\u00edsk\u00e1n\u00ed je ale to, \u017ee \u017eadatel\u00e9 mus\u00ed m\u00edt na\u0161et\u0159eno 20 % z hodnoty po\u0159izovan\u00e9 nemovitosti. Ne ka\u017ed\u00e9mu se ale poda\u0159\u00ed tuto \u010d\u00e1stku na\u0161et\u0159it. \u00dav\u011bry jsou drah\u00e9, p\u0159i tomto financov\u00e1n\u00ed bydlen\u00ed mohou lid\u00e9 p\u0159eplatit i polovinu p\u016fj\u010den\u00e9 \u010d\u00e1stky, co\u017e z \u00fav\u011bru d\u011bl\u00e1 zna\u010dn\u011b nev\u00fdhodnou metodu financov\u00e1n\u00ed. Maj\u00ed lid\u00e9, kte\u0159\u00ed si nena\u0161et\u0159ili on\u011bch 20 % \u0161anci z\u00edskat hypot\u00e9ku, aby je \u00fav\u011br finan\u010dn\u011b nezruinoval?\t Je n\u011bkolik zp\u016fsob\u016f, kter\u00fdmi lze dos\u00e1hnout tohoto zp\u016fsobu financov\u00e1n\u00ed i bez tak velk\u00fdch \u00faspor. Jednou z nich je po\u017e\u00e1dat o 90% hypot\u00e9ku. Ta je ur\u010dena p\u0159edev\u0161\u00edm pro mlad\u00e9 lidi, kte\u0159\u00ed je\u0161t\u011b nem\u011bli \u0161anci si po \u0161kole na\u0161et\u0159it tolik pen\u011bz, aby to tvo\u0159ilo 20 % z pot\u0159ebn\u00e9 \u010d\u00e1stky. I na\u0161et\u0159en\u00ed t\u011bchto 10 % bude n\u011bjakou dobu trvat, st\u00e1le je ale re\u00e1ln\u011bj\u0161\u00ed na\u0161et\u0159it tuto ni\u017e\u0161\u00ed \u010d\u00e1stku.\t\tDal\u0161\u00edm zp\u016fsobem je po\u017e\u00e1dat sv\u00e9 bl\u00edzk\u00e9, zejm\u00e9na pak rodi\u010de. Ti jsou \u010dasto ochotni si vz\u00edt spot\u0159ebitelsk\u00fd \u00fav\u011br na \u010d\u00e1stku pot\u0159ebnou pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky sv\u00e9ho potomka. Jak ji\u017e bylo \u0159e\u010deno, je to mo\u017enost zna\u010dn\u011b nev\u00fdhodn\u00e1, proto\u017ee ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f b\u00fdv\u00e1 vy\u0161\u0161\u00ed o 5 % a v\u00edc. Po\u0159\u00e1d se ale vyplat\u00ed takto financovat \u010d\u00e1st ceny po\u0159izovan\u00e9 nemovitosti, ne\u017e \u010d\u00e1stku celou. Z\u00e1rove\u0148 si ji nesm\u00ed vz\u00edt samotn\u00fd \u017eadatel, proto\u017ee by byl zaps\u00e1n v registru dlu\u017en\u00edk\u016f banky. Tak\u00e9 by mohlo doj\u00edt k nespln\u011bn\u00ed podm\u00ednky, kdy spl\u00e1tky v\u0161ech \u00fav\u011br\u016f nesm\u00ed p\u0159ev\u00fd\u0161it 45 % hrub\u00e9ho p\u0159\u00edjmu \u017eadatele.\t\tPokud se \u017eadatel zaru\u010d\u00ed dal\u0161\u00ed nemovitost\u00ed, nemus\u00ed m\u00edt na\u0161et\u0159eno prakticky nic. V praxi se jedn\u00e1 v\u011bt\u0161inou o d\u016fm rodi\u010d\u016f. Jedn\u00e1 se o to, \u017ee krom\u011b ru\u010den\u00ed po\u0159izovanou nemovitost\u00ed se ru\u010d\u00ed je\u0161t\u011b dal\u0161\u00ed nemovitost\u00ed, a v takov\u00e9m p\u0159\u00edpad\u011b ji banky mohou poskytnout, proto\u017ee p\u016fj\u010dka bude dostate\u010dn\u011b zaji\u0161t\u011bna. Je to asi nejlep\u0161\u00ed zp\u016fsob z\u00edsk\u00e1n\u00ed hypot\u00e9ky bez dostatku naspo\u0159en\u00fdch pen\u011bz v\u016fbec. Po splacen\u00ed 20 % z c\u00edlov\u00e9 \u010d\u00e1stky je nav\u00edc mo\u017enost druhou nemovitost vyv\u00e1zat. S t\u00edm jsou ale spojeny dodate\u010dn\u00e9 n\u00e1klady za v\u00fdmaz z katastru nemovitost\u00ed, pop\u0159\u00edpad\u011b tak\u00e9 nov\u00e9 ocen\u011bn\u00ed po\u0159izovan\u00e9 nemovitosti \u010di poplatek za zpracov\u00e1n\u00ed po\u017eadavku.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka bez 20 % \u00faspor?","item":"https:\/\/www.msbi.cz\/hypoteka-bez-20-uspor\/#breadcrumbitem"}]}]